Cross-border payment method, device, equipment and storage medium

Abstract

The present application is about a cross-border payment method, device, equipment and storage medium, and relates to the field of mobile payment. The method includes: receiving a payment operation request, the payment operation request is used to request the use of a digital wallet created on a client to pay for a domestic transaction order; in response to detecting a user's instruction operation, obtaining the card information of the target overseas bank card to be recharged to the digital wallet; sending a payment request to the first bank server of the target operating institution of the digital wallet to request that the currency in the target overseas bank card be converted into digital currency to recharge the digital wallet, and use the balance in the digital wallet to pay for the transaction order; receiving the payment result information sent by the first bank server, the payment result information is used to indicate that the target overseas bank card has been used to recharge the digital wallet and the digital wallet has been used to pay for the transaction order. The method helps to improve the convenience of users using overseas bank cards for domestic consumption, thereby improving the user experience.

Description

Technical Field

[0001] The present application relates to the field of mobile payment technology, and in particular to a cross-border payment method, device, equipment and storage medium. Background Art

[0002] At present, if users holding foreign bank cards want to make purchases domestically, they must first use their foreign bank cards to exchange for RMB banknotes at an automated teller machine (ATM) before they can make purchases.

[0003] Specifically, Figure 1 As shown, if a user holding a foreign bank card wants to consume in China, he or she first needs to activate the international withdrawal function for the foreign bank card, and then use the foreign bank card to withdraw money from an ATM that supports foreign bank card withdrawals. Specifically, the ATM sends an exchange request to the server B of the bank institution to which the foreign bank card belongs through the server A of the bank institution to which the ATM belongs, requesting to exchange the currency in the foreign bank card into RMB, and output RMB banknotes to the user through the ATM.

[0004] Moreover, since ATMs are usually located in irregular locations and are limited in number, there are even fewer ATMs that can support cash withdrawals with overseas bank cards. This consumption method has brought great inconvenience to overseas users who need to make cross-border payments, and has seriously affected the user experience of overseas users.

[0005] Therefore, designing a new cross-border payment method has become a technical problem that needs to be solved urgently. Summary of the invention

[0006] This application provides a cross-border payment method, device, equipment and storage medium to at least solve the problem of many inconveniences in using overseas bank cards for domestic consumption in related technologies. The technical solution of this application is as follows:

[0007] According to a first aspect of an embodiment of the present application, a cross-border payment method is provided, including: receiving a payment operation request, the payment operation request is used to request the use of a digital wallet created on a client to pay for a domestic transaction order; in response to detecting a user's instruction operation, obtaining card information of a target overseas bank card to be recharged to the digital wallet; the instruction operation is used to instruct the use of an overseas bank card to recharge the digital wallet and use the digital wallet to pay for the transaction order; sending a payment request to a first bank server of a target operating institution of the digital wallet to request that the currency in the target overseas bank card be converted into digital currency to recharge the digital wallet, and use the balance in the digital wallet to pay for the transaction order; receiving payment result information sent by the first bank server, the payment result information is used to indicate that the target overseas bank card has been used to recharge the digital wallet and the digital wallet has been used to pay for the transaction order.

[0008] In a possible implementation, before sending a payment request to the first bank server of the target operating institution of the digital wallet, the method also includes: sending a payment verification request to the issuing bank server of the target overseas bank card, and the payment verification request is forwarded to the issuing bank server of the target overseas bank card through the first bank server of the target operating institution; wherein the payment verification request is used to request the issuing bank server of the target overseas bank card to perform security verification on the domestic transaction order; the target operating institution is any one operating institution specified by the user from multiple operating institutions supporting digital wallet services when creating a digital wallet; the target operating institution supports foreign card acquiring business; receiving the payment verification result of the payment verification request from the issuing bank server of the target overseas bank card; the payment verification result is forwarded to the client by the issuing bank server through the first bank server.

[0009] In another possible implementation, before sending a payment request to the first bank server of the target operating institution of the digital wallet, the method also includes: sending a payment verification request to the issuing bank server of the target overseas bank card, the payment verification request is forwarded to the second bank server through the first bank server of the target operating institution, and forwarded by the second bank server to the issuing bank server of the target overseas bank card; wherein the payment verification request is used to request the issuing bank server of the target overseas bank card to perform security verification on the domestic transaction order; the target operating institution is any one of the operating institutions designated by the user from multiple operating institutions supporting digital wallet services when creating a digital wallet; the operating institution to which the second bank server belongs supports foreign card acquiring services; receiving the payment verification result of the payment verification request from the issuing bank server of the target overseas bank card; the payment verification result is sent by the issuing bank server to the first bank server of the target operating institution, and forwarded by the first bank server to the client through the second bank server.

[0010] In another possible implementation, sending a payment verification request to the issuing bank server of the target overseas bank card includes: sending an identity authentication request to the issuing bank server of the target overseas bank card, the identity authentication request including transaction environment information of the domestic transaction order, the identity authentication request is used to request the issuing bank server to authenticate the domestic transaction order based on the transaction environment information.

[0011] In another possible implementation, sending a payment verification request to the issuing bank server of the target overseas bank card also includes: displaying the issuing bank verification interface of the target overseas bank card, and obtaining the verification information entered by the user on the issuing bank verification interface; sending a verification information verification request to the issuing bank server of the target overseas bank card, the verification information verification request including the verification information entered by the user on the issuing bank verification interface, and the verification information verification request is used to request the issuing bank server to verify the domestic transaction order based on the verification information.

[0012] In another possible implementation, sending a payment verification request to the issuing bank server of the target overseas bank card also includes: sending an initialization verification request to the issuing bank server of the target overseas bank card, the initialization verification request including the card information of the target overseas bank card, the initialization verification request is used to request the issuing bank server to perform initialization verification on the domestic transaction order based on the card information of the target overseas bank card.

[0013] In another possible implementation, sending a payment request to the first bank server of the target operating institution of the digital wallet includes: obtaining payment password information of the digital wallet input by the user, and sending a payment request to the first bank server of the target operating institution; the payment request includes the payment password information.

[0014] In another possible implementation, the method further includes: in response to a payment operation request, displaying a first interface, the first interface including a target control, the target control being used to indicate the use of an overseas bank card to recharge and pay for a digital wallet; detecting a user's instruction operation, including: detecting the user's operation on the target control; or, in response to the payment operation request, displaying a second interface, the second interface including a first control, the first control being used to indicate the recharge and payment for a digital wallet; detecting the user's instruction operation, including: after detecting the user's operation on the first control, displaying a third interface, the third interface including a second control, the second control being used to indicate the use of an overseas bank card to recharge the digital wallet; detecting the user's operation on the second control; obtaining the card information of the target overseas bank card, including: detecting the operation of the card information of the target overseas bank card input by the user; or detecting the operation of the target overseas bank card that has been registered in the digital wallet indicated by the user.

[0015] In another possible implementation, the method further includes: after receiving a payment operation request, displaying a fourth interface, the fourth interface including prompt information, the prompt information being used to prompt the user to input the card information of the bank card to be used to recharge the digital wallet to be paid; detecting the user's indicated operation, including: detecting the operation of the card information of the bank card input by the user, and the input bank card is an overseas bank card; or, detecting the operation of the bank card registered in the digital wallet indicated by the user, and the registered bank card is an overseas bank card; obtaining the card information of the target overseas bank card, including: obtaining the card information of the overseas bank card input by the user; or, obtaining the card information of the overseas bank card registered in the digital wallet indicated by the user.

[0016] In another possible implementation, receiving a payment operation request includes: receiving a payment operation request in response to a scanning operation of a payment code; or receiving a payment operation request in response to a scanning operation of a payment code of a digital wallet.

[0017] According to a second aspect of an embodiment of the present application, a cross-border payment device is provided, including: a receiving module, configured to execute receiving a payment operation request, the payment operation request is used to request the use of a digital wallet created on a client to pay for a domestic transaction order; an obtaining module, configured to execute in response to detecting an indication operation of a user, to obtain card information of a target overseas bank card to be recharged to a digital wallet; the indication operation is used to instruct the use of an overseas bank card to recharge the digital wallet and to use the digital wallet to pay for the transaction order; the payment module is configured to execute sending a payment request to a first bank server of a target operating institution of the digital wallet to request that the currency in the target overseas bank card be converted into digital currency to recharge the digital wallet, and the balance in the digital wallet be used to pay for the transaction order; the receiving module is also configured to execute: receiving payment result information sent by the first bank server, the payment result information is used to indicate that the target overseas bank card has been used to recharge the digital wallet and the digital wallet has been used to pay for the transaction order.

[0018] In a possible implementation, before sending a payment request to the first bank server of the target operating institution of the digital wallet, the payment module is further configured to execute: sending a payment verification request to the issuing bank server of the target overseas bank card, and the payment verification request is forwarded to the issuing bank server of the target overseas bank card through the first bank server of the target operating institution; wherein the payment verification request is used to request the issuing bank server of the target overseas bank card to perform security verification on the domestic transaction order; the target operating institution is any one of the operating institutions designated by the user from multiple operating institutions supporting digital wallet services when creating a digital wallet; the target operating institution supports foreign card acquiring business; receiving the payment verification result of the payment verification request from the issuing bank server of the target overseas bank card; the payment verification result is forwarded to the client by the issuing bank server through the first bank server.

[0019] In another possible implementation, before sending a payment request to the first bank server of the target operating institution of the digital wallet, the payment module is further configured to execute: sending a payment verification request to the issuing bank server of the target overseas bank card, the payment verification request is forwarded to the second bank server through the first bank server of the target operating institution, and forwarded by the second bank server to the issuing bank server of the target overseas bank card; wherein the payment verification request is used to request the issuing bank server of the target overseas bank card to perform security verification on the domestic transaction order; the target operating institution is any one of the operating institutions designated by the user from multiple operating institutions supporting digital wallet services when creating a digital wallet; the operating institution to which the second bank server belongs supports foreign card acquiring business; receiving the payment verification result of the payment verification request from the issuing bank server of the target overseas bank card; the payment verification result is sent by the issuing bank server to the first bank server of the target operating institution, and forwarded by the first bank server to the client through the second bank server.

[0020] In another possible implementation, the payment module is specifically configured to execute: sending an identity authentication request to the issuing bank server of the target overseas bank card, the identity authentication request including transaction environment information of the domestic transaction order, and the identity authentication request is used to request the issuing bank server to authenticate the domestic transaction order based on the transaction environment information.

[0021] In another possible implementation, the payment module is specifically configured to execute: displaying the issuing bank verification interface of the target overseas bank card, and obtaining the verification information entered by the user on the issuing bank verification interface; sending a verification information verification request to the issuing bank server of the target overseas bank card, the verification information verification request including the verification information entered by the user on the issuing bank verification interface, and the verification information verification request is used to request the issuing bank server to verify the domestic transaction order based on the verification information.

[0022] In another possible implementation, the payment module is specifically configured to execute: sending an initialization verification request to the issuing bank server of the target overseas bank card, the initialization verification request including the card information of the target overseas bank card, the initialization verification request being used to request the issuing bank server to perform initialization verification on the domestic transaction order based on the card information of the target overseas bank card.

[0023] In another possible implementation, the payment module is specifically configured to execute: obtaining payment password information of a digital wallet input by a user, and sending a payment request to a first bank server of a target operating institution; the payment request includes the payment password information.

[0024] In another possible implementation, the payment module is further configured to execute: in response to a payment operation request, display a first interface, the first interface including a target control, the target control being used to indicate the use of an overseas bank card to recharge and pay for a digital wallet; the payment module is further configured to execute: detecting a user's operation on a target control; or, in response to a payment operation request, displaying a second interface, the second interface including a first control, the first control being used to indicate the use of an overseas bank card to recharge and pay for a digital wallet; the payment module is further configured to execute: after detecting a user's operation on the first control, displaying a third interface, the third interface including a second control, the second control being used to indicate the use of an overseas bank card to recharge a digital wallet; detecting a user's operation on the second control; the acquisition module is further configured to execute: detecting an operation of detecting the card information of a target overseas bank card input by a user; or detecting an operation of a target overseas bank card that has been registered in the digital wallet indicated by the user.

[0025] In another possible implementation, the payment module is further configured to execute: after receiving a payment operation request, display a fourth interface, the fourth interface including prompt information, the prompt information being used to prompt the user to input the card information of the bank card to be recharged into the digital wallet to be paid; the payment module is further configured to execute: an operation of detecting the card information of the bank card input by the user, and the input bank card is an overseas bank card; or, an operation of detecting a bank card that has been registered in the digital wallet indicated by the user, and the registered bank card is an overseas bank card; the acquisition module is specifically configured to execute: obtaining the card information of the overseas bank card input by the user; or, obtaining the card information of the overseas bank card that has been registered in the digital wallet indicated by the user.

[0026] In another possible implementation, the receiving module is specifically configured to execute: receiving a payment operation request in response to a scanning operation of a payment code; or receiving a payment operation request in response to a scanning operation of a payment code of a digital wallet.

[0027] According to a third aspect of an embodiment of the present application, an electronic device is provided, comprising: a processor; a memory for storing processor executable instructions; wherein the processor is configured to execute instructions to implement the method of the above-mentioned first aspect and any possible implementation manner thereof.

[0028] According to the fourth aspect of an embodiment of the present application, a computer-readable storage medium is provided. When instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the method in the above-mentioned first aspect and any possible implementation method thereof.

[0029] According to a fifth aspect of an embodiment of the present application, a computer program product is provided. The computer program product includes computer instructions. When the computer instructions are executed on an electronic device, the electronic device executes the method of the first aspect and any possible implementation manner thereof.

[0030] The technical solution of the first aspect provided by the embodiment of the present application brings at least the following beneficial effects: the method is used for the client, and the client is configured with a digital wallet. When an overseas user needs to pay for a domestic transaction order, the cross-border payment method of the present application can easily convert the balance in the overseas bank account into digital currency, thereby paying for the domestic transaction order. Specifically, after the overseas user logs in to the client, the card information of the overseas bank card is used to recharge the digital wallet on the client online and use the balance in the digital wallet to pay for the transaction order, thereby realizing the use of overseas bank cards to pay for domestic transaction orders. Compared with the prior art of using overseas bank cards to withdraw money from ATMs and using paper RMB to pay for domestic transaction orders, the cross-border payment method of the present application does not require users to hold physical cards, nor does it require users to find ATMs that can support withdrawals from overseas bank cards. Therefore, the cross-border payment method of the present application helps to improve the convenience of overseas users using overseas bank cards to consume in China and improve the user experience.

[0031] It should be noted that the technical effects brought about by any implementation method in the second to fifth aspects can refer to the technical effects brought about by the corresponding implementation method in the first aspect, and will not be repeated here.

[0032] It should be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] The drawings herein are incorporated into the specification and constitute a part of the specification, illustrate embodiments consistent with the present application, and together with the specification are used to explain the principles of the present application, and do not constitute an improper limitation on the present application.

[0034] Figure 1 is a schematic diagram showing an application scenario according to an exemplary embodiment;

[0035] Figure 2 is a schematic diagram of an implementation architecture according to an exemplary embodiment;

[0036] Figure 3 is a flow chart of a cross-border payment method according to an exemplary embodiment;

[0037] Figure 4 is a schematic diagram of an interface according to an exemplary embodiment;

[0038] Figure 5 is a flow chart showing another cross-border payment method according to an exemplary embodiment;

[0039] Figure 6 is a flow chart showing another cross-border payment method according to an exemplary embodiment;

[0040] Figure 7 is an interactive schematic diagram of a cross-border payment method according to an exemplary embodiment;

[0041] Fig. 8A is another interface schematic diagram shown according to an exemplary embodiment;

[0042] Figure 8B is a schematic diagram of a scenario according to an exemplary embodiment;

[0043] Fig. 9 is a block diagram of a cross-border payment device according to an exemplary embodiment;

[0044] Fig.10 It is a block diagram of an electronic device according to an exemplary embodiment. DETAILED DESCRIPTION

[0045] In order to enable ordinary persons in the art to better understand the technical solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings.

[0046] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. On the contrary, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the attached claims.

[0047] Before giving a detailed introduction to the cross-border payment method provided by this application, a brief introduction to the relevant elements, application scenarios, and implementation environment involved in this application is first given.

[0048] First, a brief introduction to the relevant elements involved in this application is given.

[0049] Digital currency: currency in digital form, such as digital RMB.

[0050] Digital RMB: It is a legal tender in digital form, that is, it is a digital form of paper RMB, which is equivalent to paper RMB. Digital RMB is operated by designated operating institutions and exchanged to the public. It is based on a broad account system, supports loose coupling of bank accounts, and is equivalent to paper money and coins.

[0051] Electronic wallet: used to record or store electronic currency, such as electronic cash, electronic change, safe change, electronic credit card, online currency, digital currency, etc.

[0052] Digital wallet: A type of electronic wallet that is a carrier for recording and storing digital currency (such as digital RMB).

[0053] Operating institution: a commercial bank that is qualified to provide digital wallet and digital currency (such as digital RMB) exchange services to the public.

[0054] Client (such as the digital RMB client involved in this application): is a digital currency service platform for individual users, providing digital wallet opening and management, digital currency (such as digital RMB) exchange and circulation services.

[0055] 3DS (3-Domain Secure) payment verification system: It was first launched by Visa, an international card organization, to protect card-not-present transactions in e-commerce. Subsequently, other card organizations also launched their own 3DS payment verification systems.

[0056] Secondly, the application scenarios involved in this application are briefly introduced.

[0057] In the related art, if users holding foreign bank cards want to consume domestically, they need to activate the international withdrawal function for their foreign bank cards and use the foreign bank cards to exchange RMB banknotes at ATMs that support foreign bank card withdrawals before they can consume. However, ATMs are usually located in irregular locations and are limited in number, and there are even fewer ATMs that can support foreign bank card withdrawals. This consumption method has brought great inconvenience to foreign users who need to make cross-border payments, and has seriously affected the domestic consumption experience of foreign users.

[0058] Moreover, when users use overseas bank cards to exchange RMB banknotes at ATMs, there are the following defects: first, users must hold a physical card, that is, the card must interact with the physical ATM; second, there is a withdrawal limit. Since ATM withdrawals are to convert deposits / credit funds into physical cash with the best legal tender and circulation and the weakest traceability, the issuing institutions of various bank cards usually limit the single and cumulative amount of ATM withdrawals. In addition, the width of the ATM's cash dispenser will also physically limit the withdrawal amount. For example, some ATMs can only dispense up to 30 banknotes at a time, which directly limits the maximum limit of each ATM withdrawal transaction.

[0059] In response to the above problems, the present application provides a cross-border payment method for a client, which is configured with a digital wallet. When an overseas user needs to pay for a domestic transaction order, the cross-border payment method of the present application can convert the balance in the overseas bank account into digital currency to pay for the transaction order, thereby improving the convenience of users using overseas bank cards to consume in the country, thereby improving the user's consumption experience. Specifically, after the user logs in to the client, the card information of the overseas bank card is used to recharge the digital wallet on the client online, and the balance in the digital wallet is used to pay for the transaction order, thereby realizing the use of overseas bank cards to pay for domestic transaction orders.

[0060] Moreover, compared with the related art of using foreign bank cards to withdraw money from ATMs and using RMB paper money to pay for domestic transaction orders, the cross-border payment method of the present application does not require users to hold physical cards, nor does it require users to find ATMs that support foreign bank card withdrawals, and can also avoid the problem of withdrawal limits on ATMs. Therefore, the cross-border payment method of the present application helps to improve the convenience of foreign users using foreign bank cards to consume in China and improve the user experience.

[0061] Finally, a brief introduction is given to the implementation environment (implementation architecture) involved in this application.

[0062] Figure 2This is an implementation architecture diagram of the present application. User 210 installs client 230 on electronic device 220. The user 210 may be an overseas user, and the overseas user may be a user holding an overseas bank card, or a user who registers an account using overseas information such as an overseas mobile phone number. The client 230 may specifically be a digital RMB client, or may have other client names, which are not limited in this application. The client 230 may be an application (app l icat ion, APP). When it is necessary to pay a domestic transaction order, user 210 may choose any electronic wallet created on client 230 to make payment. If the balance in the electronic wallet used for payment is insufficient to pay the transaction order, the first bank server 240 of the target operating institution that provides services for the electronic wallet, through the issuing bank server 250 of the overseas bank card and the card organization server 260, uses the currency in the overseas bank card to recharge and pay the electronic wallet.

[0063] The electronic wallet is used to store electronic currency, for example, the electronic wallet can be a digital wallet, and the electronic currency can be a digital currency. In an embodiment of the present application, the digital wallet can be used to store currency in a preset form, and the currency in the preset form supports domestic transaction payments. For example, the digital wallet is used to store domestic legal digital currency, such as digital RMB.

[0064] In some embodiments, the electronic device 220 may be a terminal device or a server. The terminal device may be a smart phone, a tablet computer, a PDA, a vehicle-mounted terminal, a desktop computer, a notebook computer, etc. The server may be any server or server cluster, which is not limited in this application.

[0065] In some embodiments, the first bank server 240, the issuing bank server 250 or the card organization server 260 may be a single server, or may be a server cluster consisting of multiple servers, which is not limited in the present application.

[0066] In addition, it should be noted that the user information involved in this application (including but not limited to user device information, user personal information, user bank card information, etc.) is all information authorized by the user or fully authorized by all parties.

[0067] For ease of understanding, the cross-border payment method provided by this application is specifically introduced below with reference to the accompanying drawings.

[0068] Figure 3 is a flowchart of a cross-border payment method according to an exemplary embodiment, the method is applied to an electronic device. Alternatively, the method is applied to a client installed on the electronic device. Alternatively, the method is applied to an application installed on the electronic device. Figure 3As shown, the cross-border payment method includes the following steps:

[0069] S301: Receive a payment operation request, where the payment operation request is used to request payment for a domestic transaction order using a digital wallet created on a client.

[0070] In some embodiments, after downloading the client, the user registers using an overseas mobile phone number, and after completing the registration, logs in to the client using the overseas mobile phone number. Users / accounts registered using overseas mobile phone numbers may be referred to as overseas users / accounts. In addition, after the user logs in to the client using an overseas mobile phone number, the client may display the following information: Figure 4 The interface shown in (a) above displays the total wallet amount, which is used to represent the total balance of digital currency in all digital wallets of the logged-in account. In addition, the interface may also display at least one of the "Wallet Management" control, the "Open or Add Digital Wallet" control, the "General" control, the "Help and Feedback" control, and the "About Us" control. Among them, the "General" control is used to view or manage the general parameters of the client, such as the management of the login password. In one example, the user triggers the "Wallet Management" control, for example, clicks on the "Wallet Management" control to enter the management interface of the digital wallet to manage all digital wallets, such as deleting a digital wallet, opening a digital wallet, or managing the balance of any digital wallet.

[0071] Furthermore, after logging into the client using an overseas mobile phone number, the user can create a digital wallet to record and store digital currency. For example, when the user clicks the "Open or add digital wallet" control, the client enters the following Figure 4 The digital wallet creation interface shown in (b)0 displays multiple operating institution logos on the interface, which are used to indicate operating institutions that can provide wallet services. Users can specify any operating institution from multiple operating institutions to provide services for the created digital wallet. For example, if the user clicks on AA Bank, the client creates a digital wallet provided by AA Bank and registers AA Bank as the operating institution that provides services for the digital wallet. It should be noted that the digital wallet can be understood as an electronic bank card provided by AA Bank.

[0072] It should be noted that a user can create one or more digital wallets on the client, and one or more digital wallets can be provided with services by the same or different operating organizations, which is not limited in this application.

[0073] In some embodiments, after logging into the client using an overseas mobile phone number, the created digital wallet can only be recharged using overseas bank cards, which helps ensure the security of domestic bank accounts.

[0074] It should be noted that when a user needs to pay for a domestic transaction order, he or she can choose any digital wallet on the client to pay for the transaction order. The following is an example of a user choosing to use a target digital wallet to pay for a transaction order.

[0075] In some embodiments, after the user selects the target digital wallet for payment, the user uses the "Scan" function on the client to scan the merchant's payment code. In response to the scanning operation of the payment code, the client receives a payment operation request, which is used to request the target digital wallet to pay for the transaction order. By using the "Scan" function on the client to start the payment process, the payment process is started by the user, which helps to ensure the security of the digital wallet.

[0076] In other embodiments, after the user selects the target digital wallet for payment, the payment code of the target digital wallet is displayed to the merchant, and the merchant's payment device scans the payment code of the client, and the client receives the payment operation request in response to the scanning operation of the payment code of the target digital wallet. By displaying the payment code of the target digital wallet to the user for the merchant to scan, the merchant can start the payment process, which helps to complete the payment smoothly when the network is not good.

[0077] Optionally, after the above S301, the method further includes: in response to a payment operation request, displaying a second interface, the second interface including a first control, and the first control is used to instruct recharging and paying for the digital wallet.

[0078] In some embodiments, the total amount of digital currency in the target digital wallet is insufficient to pay for the transaction order. After receiving the payment operation request, the client displays a second interface in response to the payment operation request. The interface displays a first control. For example, the first control may be a "Recharge and Pay" control, which is used to prompt the user that they need to recharge the target digital wallet before they can make the payment. When the user selects the first control, it means that the user will recharge the target digital wallet and use the digital currency in the target digital wallet to make the payment.

[0079] In the above embodiment, by displaying the second interface, it is helpful to remind the user that the balance in the digital wallet is insufficient to pay the transaction order, and the user needs to recharge the digital wallet before continuing the payment operation. In addition, by displaying the second interface, it can also be shown that the user can use the digital wallet to pay without storing value in the digital wallet. Specifically, when the digital currency balance in the digital wallet is insufficient to pay the transaction order, the user selects the first control on the second interface to recharge the digital wallet and use the recharged digital wallet to make payments, thereby realizing on-demand recharge and avoiding the exchange of the balance in the overseas bank card into digital currency in advance, which causes losses due to exchange rate changes.

[0080] Optionally, after the above S301, the method further includes: in response to a payment operation request, displaying a first interface, the first interface including a target control, and the target control is used to indicate the use of an overseas bank card to recharge the digital wallet.

[0081] In some embodiments, after receiving a payment operation request, the client displays a first interface in response to the payment operation request. A target control is displayed on the first interface, which is used to indicate that the bank card used to recharge the digital wallet is an overseas bank card. When the user selects the target control, it means that the user will use an overseas bank card to recharge the digital wallet.

[0082] It should be noted that overseas bank cards can be bank cards issued by card organizations such as VISA, Mastercard, and Japan Credit Bureau (JCB).

[0083] In this embodiment, by displaying the first interface, prompting the user to use a foreign bank card to recharge the digital wallet, it is helpful for the user to know in advance the type of bank card used to recharge the digital wallet, so that the user can prepare the corresponding card information in advance, thereby improving the recharge efficiency. In addition, by displaying the first interface including the target control, the client determines the type of bank card that can be used to recharge the digital wallet. On the one hand, it reduces the steps for the user to select the bank card type and improves the efficiency of recharging the digital wallet. On the other hand, it avoids the user from using domestic bank cards to pay.

[0084] Optionally, the cross-border payment method also includes: after receiving the payment operation request, displaying a fourth interface, the fourth interface including prompt information, and the prompt information is used to prompt the user to enter the card information of the bank card for recharging the digital wallet.

[0085] In some embodiments, the card information includes the card number, validity period and security code of the overseas bank card. For example, the security code can be a Card Verification Value 2 (CVV2) code.

[0086] In some embodiments, after receiving the payment operation request, the client displays a fourth interface, on which an input area is displayed, and the user can enter the card information of the bank card used to recharge the digital wallet in the input area. By configuring the input area for the fourth interface, the user enters the card information of the bank card used to recharge the digital wallet, so that the user does not need to bind the bank card to the digital wallet, which helps to improve the monetary security of the bank card.

[0087] In other embodiments, after receiving the payment operation request, the client displays a fourth interface, on which a control area is displayed, and the control area includes bank card information, and selection of the control area indicates that the user chooses to use the bank card corresponding to the bank card information to recharge the digital wallet. The bank card corresponding to the bank card information has been registered as a rechargeable bank card of the digital wallet. By configuring the fourth interface with the bank card information registered with the digital wallet, the user does not have to enter the bank card information every time when recharging, which helps to improve the efficiency of recharging the digital wallet, thereby improving the payment efficiency of transaction orders and improving the user experience.

[0088] S302: In response to detecting the user's instruction operation, obtaining the card information of the target overseas bank card to be recharged to the digital wallet.

[0089] Among them, the instruction operation is used to instruct the use of overseas bank cards to recharge the digital wallet and use the digital wallet to pay for the transaction order.

[0090] In some embodiments, the user does not need to pre-store digital currency for the target digital wallet, that is, the balance of the target digital wallet is zero. When the user needs to pay for a domestic transaction order, the client exchanges digital currency from the overseas bank card account and stores it in the target digital wallet. The amount of exchanged digital currency is the transaction amount of the domestic transaction order, that is, the amount is charged as much as needed, and then all digital currency in the target digital wallet is used to pay for the domestic transaction order. It can be understood that after completing the payment of the domestic transaction order, the balance in the target digital wallet is still zero.

[0091] In this embodiment, after receiving a payment operation request, the transaction amount of the domestic transaction order is stored in the digital wallet, and the digital currency stored in the digital wallet is used to pay for the domestic transaction order, thereby achieving on-demand recharge and use, that is, on-demand recharge. The digital wallet is recharged according to the amount required for the overseas transaction order, avoiding the need to exchange the remaining balance in the digital wallet into the currency in the overseas bank card when leaving the country. In addition, it also helps to avoid currency losses and security issues during exchange.

[0092] In some embodiments, detecting the user's indication operation includes: detecting the user's operation on the above-mentioned target control.

[0093] In this embodiment, after detecting that the user chooses to use an overseas bank card to recharge the digital wallet, the card information of the target overseas bank card is obtained, which helps to improve the efficiency of recharging the digital wallet.

[0094] In other embodiments, detecting the user's instruction operation includes: step one: after detecting the user's operation on the above-mentioned first control, displaying a third interface, the third interface includes a second control, and the second control is used to instruct the use of an overseas bank card to recharge the digital wallet; step two: detecting the user's operation on the above-mentioned second control.

[0095] In this embodiment, after the user chooses to recharge and pay for the digital wallet, the third interface including the second control is first displayed, prompting the user to use an overseas bank card to recharge the digital wallet. This helps the user to understand in advance the type of bank card used to recharge the digital wallet, so that the user can prepare the corresponding card information in advance, thereby improving the recharge efficiency.

[0096] In some embodiments, obtaining the card information of the target overseas bank card includes: detecting the operation of the card information of the target overseas bank card input by the user. By the user inputting the card information of the target overseas bank card, the digital wallet is recharged, so that the user does not need to bind the bank card to the digital wallet, which helps to improve the monetary security of the bank card.

[0097] In other embodiments, obtaining the card information of the target overseas bank card includes: detecting an operation of the target overseas bank card registered in the digital wallet indicated by the user. By calling the bank card bound to the digital wallet to recharge the digital wallet, the user does not need to enter the card information of the bank card every time the recharge is made, which helps to improve the efficiency of recharging the digital wallet, thereby improving the payment efficiency of the transaction order and improving the user experience.

[0098] In some other embodiments, when the prompt information is displayed on the fourth interface, and the prompt information is used to prompt the user to input the card information of the bank card for recharging the digital wallet, the user's instruction operation is detected, including: the operation of detecting the card information of the bank card input by the user, and the input bank card is a foreign bank card. Obtaining the card information of the target foreign bank card includes: obtaining the card information of the foreign bank card input by the user. By the user inputting the card information of the target foreign bank card to recharge the digital wallet, the user does not need to bind the bank card to the digital wallet, which helps to improve the monetary security of the bank card.

[0099] In other embodiments, when the prompt information is displayed on the fourth interface, and the prompt information is used to prompt the user to input the card information of the bank card for recharging the digital wallet, the user's instruction operation is detected, including: detecting the operation of the bank card registered in the digital wallet indicated by the user, and the registered bank card is an overseas bank card. Obtaining the card information of the target overseas bank card includes: obtaining the card information of the overseas bank card registered in the digital wallet indicated by the user. By using the bank card bound to the digital wallet to recharge the digital wallet, the user does not have to enter the card information of the bank card every time the recharge is made, which helps to improve the efficiency of recharging the digital wallet, thereby improving the payment efficiency of transaction orders and improving the user's experience.

[0100] S303: Send a payment request to the first bank server of the target operating institution of the digital wallet to request to convert the currency in the target overseas bank card into digital currency to recharge the digital wallet, and use the balance in the digital wallet to pay for the transaction order.

[0101] The client installed on the electronic device sends a payment request to the first bank server, requesting the first bank server to interact with the issuing bank server to use the currency in the target overseas bank card to recharge the digital wallet, and requesting the first bank server to use the balance in the digital wallet to pay for the transaction order.

[0102] In some embodiments, the payment request includes an exchange amount, which is the payment amount of the domestic transaction order. For example, the payment amount of the domestic transaction order is RMB 5,000. At this time, the payment request is used to request to use the currency in the overseas bank card to exchange the digital currency corresponding to RMB 5,000, such as RMB 5,000 in digital RMB, which is stored in the digital wallet, and the RMB 5,000 in digital RMB in the digital wallet is used to pay for the domestic transaction order.

[0103] Optionally, S303 includes: obtaining payment password information of a digital wallet input by a user, and sending a payment request to a first bank server of the target operating institution. The payment request includes information such as the payment password information.

[0104] In some embodiments, the payment request also includes card information of the overseas bank card used for payment, for example, at least one of the card number, expiration date and security code of the overseas bank card, which helps to improve the security and accuracy of the transaction.

[0105] In some embodiments, the payment password information includes a digital password. The client collects the payment password information input by the user by displaying a password input interface. For example, an input area may be displayed on the password input interface, and the user enters the payment password in the input area, and the client obtains the payment password information of the input digital wallet.

[0106] In other embodiments, the payment password information includes a fingerprint password. When the user instructs the client to send a payment request to the first bank server, the finger corresponding to the fingerprint password is placed on an area on the electronic device where fingerprints can be collected, so that the client can obtain the payment password information of the user's digital wallet.

[0107] In the above embodiment, by obtaining the payment password information of the digital wallet and sending a payment request carrying the payment password information to the first bank server, it helps to improve the security of the transaction.

[0108] S304: Receive payment result information sent by the first bank server; the payment result information is used to indicate that the target overseas bank card has been used to recharge the digital wallet, and the digital currency balance in the digital wallet has been used to pay for the transaction order.

[0109] In some implementations, after the first bank server uses the target overseas bank card to recharge the digital wallet and uses the balance in the digital wallet to pay for the transaction order, it returns payment result information to the client to inform the user that the transaction order has been paid.

[0110] In S303 and S304, after receiving the payment request, the first bank server uses the target overseas bank card to recharge the digital wallet. In the process of using the target overseas bank card to recharge the digital wallet, the first bank server exchanges information with the issuing bank server, requests the issuing bank server to convert the account balance of the target overseas bank card into digital currency (such as digital RMB), and after receiving the confirmation conversion instruction from the issuing bank server, the first bank server converts the account balance of the target overseas bank card into digital currency (such as digital RMB), stores the digital currency in the digital wallet, and changes the balance of the digital wallet, thereby recharging the digital wallet, and using the digital currency balance in the digital wallet to pay for the transaction order. After completing the aforementioned recharge and payment operations, the first bank server sends the payment result to the client.

[0111] It should be noted that the process of the first bank server using the target overseas bank card to recharge the digital wallet can reuse the existing foreign card acquiring transaction link, thereby converting the balance in the overseas bank card into digital currency. In the above embodiment, when an overseas user needs to pay for a domestic transaction order, the currency in the overseas bank account is converted into digital currency by using an overseas bank card to recharge the digital wallet on the client, so that the digital currency can be used to pay for the transaction order, thereby realizing the use of overseas bank cards to conveniently pay for domestic transaction orders online, improving the convenience of users using overseas bank cards to consume in the country, and thus improving the user's consumption experience.

[0112] Moreover, compared with the offline payment method in the prior art of using overseas bank cards to withdraw money from ATMs and using RMB paper money to pay for transaction orders, the cross-border payment method of the present application does not require users to hold physical cards, nor does it require users to find ATMs that support overseas bank card withdrawals, and can also avoid the problem of withdrawal limits on ATMs.

[0113] Therefore, the cross-border payment method of the present application provides overseas users with more optional payment methods, which helps to improve the convenience of overseas users using overseas bank cards to make domestic purchases and improve the user experience.

[0114] Optionally, combined Figure 3 ,like Figure 5 As shown, before sending the payment request to the first bank server of the target operating institution of the digital wallet, the cross-border payment method also includes:

[0115] S305: Send a payment verification request to the issuing bank server of the target overseas bank card. The payment verification request is forwarded to the issuing bank server of the target overseas bank card through the first bank server of the target operating institution.

[0116] Among them, the target operating institution is any operating institution specified by the user from multiple operating institutions that support digital wallets when creating a digital wallet.

[0117] It should be noted that the cross-border payment method of the present application can perform security verification on domestic transaction orders before sending a payment request to the first bank server of the target operating institution, thereby improving the security of the target overseas bank card transactions.

[0118] In some embodiments, the target operating institution supports foreign card acquiring business (i.e., acquiring business of overseas bank cards). After obtaining the card information of the target overseas bank card to be recharged to the digital wallet, the client sends a payment verification request to the issuing bank server of the target overseas bank card to request the issuing bank server of the target overseas bank card to perform security verification on the domestic transaction order. For example, the payment verification request can be forwarded by the first bank server of the target operating institution to the issuing bank server through the foreign card transaction gateway server of the target operating institution.

[0119] Optionally, the payment verification request includes at least one of initialization verification, identity verification, and verification information verification. The initialization verification is based on the security verification of the card information of the target overseas bank card, the identity verification is based on the device information of the electronic device where the client is located, and the verification information verification is based on the verification information filled in by the user on the verification page of the issuing bank.

[0120] S306: receiving a payment verification result of the payment verification request from the issuing bank server of the target overseas bank card, where the payment verification result is verification passed.

[0121] The payment verification result is forwarded from the issuing bank server to the client via the first bank server of the target operating institution.

[0122] In some embodiments, after completing the payment verification, the issuing bank server returns the payment verification result to the first bank server, and then the first bank server sends the payment verification result to the client, and the client performs the next step after receiving the payment verification result from the issuing bank server. For example, if the payment verification result is passed, the client sends a payment request to the first bank server of the target operating institution of the digital wallet.

[0123] In the above embodiment, before sending a payment request to the first bank server of the target operating institution of the digital wallet, a payment verification request is first sent to the issuing bank server of the target overseas bank card to request the issuing bank server to perform security verification on the domestic transaction order, which helps to improve the transaction security of the target overseas bank card. In addition, compared with the prior art in which different operating institutions and overseas bank card issuing banks perform payment verification based on different payment verification processes, the cross-border payment method of the present application, by abstracting and integrating the payment verification process, and unifying the interactive interface in the payment verification process, realizes that for different target operating institutions, through a unified set of interfaces, the client uniformly initiates a payment verification request to the issuing bank server of the target overseas bank card, and the first bank server of the target operating institution providing services for the digital wallet forwards the payment verification request to the issuing bank server, so that different operating institutions and overseas bank card issuing banks can perform payment verification based on the same payment verification process, and thus it is not necessary to configure a set of payment verification processes for each operating institution providing services for the digital wallet separately, simplifying the payment verification process for recharging the digital wallet, and thus improving work efficiency.

[0124] Optionally, combined Figure 3 ,like Figure 6 As shown, before sending the payment request to the first bank server of the target operating institution of the digital wallet, the cross-border payment method also includes:

[0125] S307: Send a payment verification request to the issuing bank server of the target overseas bank card. The payment verification request is forwarded to the second bank server through the first bank server of the target operating institution, and then forwarded to the issuing bank server of the target overseas bank card by the second bank server.

[0126] The operating institution to which the second bank server belongs supports foreign card acquiring business. The target operating institution is any operating institution specified by the user from multiple operating institutions supporting digital wallets when creating a digital wallet.

[0127] It should be noted that the cross-border payment method of the present application can perform security verification on domestic transaction orders before sending a payment request to the first bank server of the target operating institution, thereby improving the security of the target overseas bank card transactions.

[0128] In some embodiments, the target operating institution does not support foreign card acquiring services, that is, the digital wallet provided by the target operating institution cannot collect foreign exchange funds transferred from the target overseas bank card to the digital wallet. Based on this, this application allows the first bank server of the target operating institution to perform service transfer, so that the target operating institution can establish cooperation with operating institution A (which supports foreign card acquiring services), and forward the payment verification request from the client received by the first bank server to the issuing bank server through the second bank server of operating institution A, thereby completing the payment verification of domestic transaction orders. Furthermore, based on server transfer, the target operating institution can complete the operation of recharging the digital wallet from an overseas bank card through operating institution A.

[0129] In some embodiments, after obtaining the card information of the target foreign bank card to be recharged to the digital wallet, the client sends a payment verification request to the issuing bank server of the target foreign bank card to request the issuing bank server of the target foreign bank card to perform security verification on the domestic transaction order. For example, the payment verification request can be sent by the first bank server of the target operating institution to the second bank server of the cooperating operating institution, and forwarded by the second bank server to the issuing bank server through the foreign card transaction gateway server of the cooperating operating institution.

[0130] S308: receiving a payment verification result of the payment verification request from the issuing bank server of the target overseas bank card, where the payment verification result is verification passed.

[0131] The payment verification result is sent by the issuing bank server to the first bank server of the target operating institution, and is forwarded by the first bank server to the client via the second bank server.

[0132] In some embodiments, after completing the payment verification, the issuing bank server returns the payment verification result to the second bank server. Afterwards, the second bank server sends the payment verification result to the first bank server, and the first bank server sends the payment verification result to the client. After receiving the payment verification result from the issuing bank server, the client performs the next operation. For example, if the payment verification result is verification passed, the client sends a payment request to the first bank server of the target operating institution of the digital wallet.

[0133] In the above embodiment, before sending a payment request to the first bank server of the target operating institution of the digital wallet, a payment verification request is first sent to the issuing bank server of the target overseas bank card to request the issuing bank server to perform security verification on the domestic transaction order, which helps to improve the transaction security of the target overseas bank card. Furthermore, the cross-border payment method of the present application allows the first bank server of the target operating institution to perform service transfer, so that the target operating institution can forward the payment verification request to the issuing bank server through the second bank server of the operating institution cooperating with it, complete the current payment verification, and based on the same principle, complete the subsequent foreign card acquisition business (that is, convert the currency in the target overseas bank card into digital currency to recharge the digital wallet), thereby helping to introduce more operating institutions that provide digital wallets, so that operating institutions that do not support foreign card acquisition business can also provide services for the digital wallets of overseas users, thereby providing users with more choices and improving the user experience.

[0134] In addition, by abstracting and integrating the payment verification process, the client initiates a payment verification request to the issuing bank server of the target overseas bank card, and the first bank server of the target operating institution that provides services for the digital wallet, and the second bank server of the operating institution that cooperates with the target operating institution forward the payment verification request to the issuing bank server, so that different operating institutions and overseas bank card issuing banks can perform payment verification based on the same payment verification process, simplifying the payment verification process for recharging digital wallets, thereby improving work efficiency.

[0135] It should be noted that the payment verification in this application can be 3DS (3-Domain Secure) payment verification. Of course, it can also be other payment verification services used for cross-border transactions, and this application does not limit this. Below, the payment verification process of this application is explained by taking the payment verification as 3DS payment verification as an example.

[0136] Optionally, sending a payment verification request to a server of an issuing bank of a target overseas bank card includes: sending an initialization verification request to a server of an issuing bank of a target overseas bank card, wherein the initialization verification request includes card information of the overseas bank card.

[0137] In some embodiments, after obtaining the card information of the target overseas bank card to be recharged to the digital wallet, the client sends an initialization verification request to the issuing bank server of the target overseas bank card to request the issuing bank server to perform initialization verification on the domestic transaction order based on the card information of the target overseas bank card. After receiving the initialization verification request, the issuing bank server performs initialization verification based on the card information of the target overseas bank card. The initialization verification is used to verify whether the domestic transaction order supports 3DS payment verification.

[0138] In one example, when both parties to a domestic transaction order have activated the 3DS payment verification service, the issuing bank server confirms that the domestic transaction order supports 3DS payment verification. The two parties to the transaction order are a foreign bank card and a merchant, and the transaction for recharging a digital wallet is divided into a foreign bank card and a target operating institution that provides services for the digital wallet. In addition, the initialization verification may also include merchant information and / or target operating institution information, so that the issuing bank server can determine whether the merchant corresponding to the transaction order has activated the 3DS payment verification service based on the merchant information, and determine whether the digital wallet (or target operating institution) supports the 3DS payment verification service based on the target operating institution information.

[0139] In another example, when the target overseas bank card has activated the 3DS payment verification service, the issuing bank server confirms that the domestic transaction order supports 3DS payment verification.

[0140] It should be noted that if the issuing bank server confirms that the domestic transaction order does not support the 3DS payment verification service, the target foreign bank card will be refused to continue the transaction. If the issuing bank server confirms that the domestic transaction order supports the 3DS payment verification service, the transaction process will continue, for example, identity verification and verification information verification.

[0141] In some embodiments, after confirming the verification result of the initial verification, the issuing bank server will return the verification result to the server that sent the initial verification to it, for example, the first bank server or the second bank server, so that the first bank server or the second bank server will send the verification result to the client.

[0142] In the above embodiment, by performing initialization verification on the overseas bank card before collecting the client's device information for identity authentication, on the one hand, it helps to confirm whether the domestic transaction order supports the payment verification service, so that subsequent verification can be performed after confirming that the payment verification service is supported, to avoid the client sending a non-payment verification request that is not executed. On the other hand, performing initialization verification and identity authentication on domestic transaction orders at the same time also helps to improve the accuracy of payment verification, thereby improving transaction security and enhancing the user experience.

[0143] Optionally, sending a payment verification request to a server of an issuing bank of a target overseas bank card includes: sending an identity verification request to a server of an issuing bank of a target overseas bank card, wherein the identity verification request includes transaction environment information of a domestic transaction order.

[0144] In some embodiments, the transaction environment information includes device information and user identity information of the electronic device where the client is located. The device information may include the device model, the version number of the device system, the CPU model of the device, etc. The user identity information may include the user's fingerprint information, face information, pupil information, etc.

[0145] In some embodiments, after obtaining the card information of the target overseas bank card to be recharged to the digital wallet, the client sends an identity authentication request to the issuing bank server of the target overseas bank card to request the issuing bank server to perform identity authentication based on the transaction environment information. In other embodiments, when the verification result of the initialization verification request is that the verification is passed, the client sends an identity authentication request to the issuing bank server of the target overseas bank card to request the issuing bank server to perform identity authentication based on the device information.

[0146] It should be noted that identity authentication is used to verify whether the identity of the current electronic device and / or current user executing the domestic transaction order meets the requirements. For example, whether the current electronic device and / or current user executing the domestic transaction order is the same as the historical electronic device and / or historical user that executed the historical transaction of the target overseas bank card.

[0147] In some embodiments, only when the identities of the electronic device and the user meet the requirements, that is, the current electronic device is the same as the historical electronic device, and the current user is the same as the historical user, the verification result of the identity authentication request is confirmed as passed, otherwise the verification is failed. In other embodiments, when one of the service requirements is the identity of the electronic device or the user, that is, the current electronic device is the same as the historical electronic device, or the current user is the same as the historical user, the verification result of the identity authentication request is confirmed as passed, otherwise the verification is failed.

[0148] In some embodiments, the client collects the transaction environment information. In other embodiments, the verification result of the initialization verification request returned by the issuing bank server carries a form for obtaining the environment information, and after receiving the form, the client collects the transaction environment information of the domestic transaction order through the form.

[0149] In some embodiments, after confirming the verification result of the identity authentication request, the issuing bank server will return the verification result to the server that sent the initial verification to it, for example, the first bank server or the second bank server, so that the first bank server or the second bank server will send the verification result to the client.

[0150] In some embodiments, verification information verification is performed only when the verification result of the identity authentication request is verification failure, which helps to shorten the payment verification process, improve payment verification efficiency, and thus improve transaction efficiency. In other embodiments, verification information verification is performed regardless of whether the verification result of the identity authentication request is verification passed or verification failed, which helps to improve the accuracy of payment verification and thus improve transaction security.

[0151] In the above embodiment, by sending environmental information carrying the domestic transaction order to the issuing bank server and requesting the issuing bank server to authenticate the domestic transaction order, it helps the issuing bank server to determine whether the identity of the executor of the domestic transaction order (electronic device and / or user) meets the requirements, thereby determining whether to continue to promote the transaction corresponding to the domestic transaction order, thereby ensuring the security of the transaction corresponding to the domestic transaction order.

[0152] Optionally, sending a payment verification request to the issuing bank server of the target overseas bank card includes:

[0153] Step 1: Display the verification interface of the issuing bank of the target overseas bank card and obtain the verification information entered by the user on the verification interface of the issuing bank.

[0154] In some embodiments, the client obtains the card issuing bank verification interface of the overseas bank card from the card issuing bank server and renders the interface on the client. After the interface rendering is completed, the client displays the card issuing bank verification interface of the overseas bank card, and the card issuing verification page user collects verification information in order to verify the domestic transaction order.

[0155] In some embodiments, an input area is displayed on the card issuing bank verification interface, and the input area is used to instruct the user to fill in the verification information, and the verification information is the verification information reserved by the user at the issuing bank of the overseas bank card. Therefore, if the verification information filled in by the user on the card issuing bank verification page is correct, the verification result of the card issuing bank server verifying the verification information will be verification passed.

[0156] Step 2: Send a verification information verification request to the issuing bank server of the target overseas bank card, where the verification information verification request includes the verification information entered by the user on the verification interface of the issuing bank of the overseas bank card.

[0157] In some embodiments, after the user completes the verification information on the card issuing bank verification interface, the user submits the verification information to the card issuing bank server and requests the card issuing bank server to verify the domestic transaction order based on the verification information. The card issuing bank server can directly obtain the domestic transaction order from the card issuing bank verification interface and verify the verification information.

[0158] In other embodiments, after the user completes the verification information on the card issuing bank verification interface, the verification information is submitted to the card issuing bank server. In addition, the client also sends a query request to the card issuing bank server to query the verification result of the verification information by the card issuing bank server. By actively sending a query request to query the verification result of the verification information, instead of waiting for the card issuing bank server to return the verification result, it is helpful to obtain the verification mechanism more quickly, thereby improving transaction efficiency.

[0159] It should be noted that the query request can be forwarded to the card issuing bank server by the first bank server, or sent by the first bank server to the second bank server and forwarded to the card issuing bank server by the second bank server.

[0160] In the above embodiment, payment verification also includes verification information verification, so that domestic transaction orders can be verified based on the verification information reserved by the user at the issuing bank, which helps to improve transaction security.

[0161] Figure 7 The present invention is an interactive schematic diagram of a cross-border payment method according to an exemplary embodiment, which is used for an electronic device, a first bank server and a card issuing bank server. The method includes the following steps:

[0162] S701: The client displays a second interface in response to a payment operation request, and a first control is displayed on the second interface.

[0163] In some embodiments, a user logs into a client on an electronic device, for example, Fig. 8A Click the client on the electronic device as shown in (a) to log in to the client.

[0164] In one example, after logging into the client, the user selects a digital wallet for paying for a transaction order, for example Fig. 8A As shown in (b), digital wallet 1 is selected for payment of the transaction order, and the "Payment" control on the digital wallet 1 interface is clicked. After that, the client displays the payment code of digital wallet 1, for example, Fig. 8A As shown in (c), the merchant's payment device scans the payment code on the client. In another example, after logging into the client, Figure 8B As shown, the user selects the "Scan" function on the client and scans the merchant's payment code.

[0165] Then, when the digital currency balance in the digital wallet is insufficient to pay for the transaction order, the client displays a second interface, for example, the second interface is as follows: Fig. 8A As shown in (d), the second interface displays a "Recharge Wallet and Pay" control, which is used to indicate recharging and paying the digital wallet.

[0166] S702: The client displays a third interface, on which a second control is displayed.

[0167] In some embodiments, after detecting that the user selects the "charge wallet and pay" control operation, the client displays a third interface, for example, the third interface is as follows: Fig. 8A As shown in (e), the second control can be "I am a foreign card user", which is used to indicate the use of overseas bank cards to recharge the digital wallet.

[0168] In some embodiments, after the user selects the second control, the client displays a fourth interface, for example, the fourth interface is as follows: Fig. 8A As shown in (f) in the figure, users can enter the card information of overseas bank cards in this interface.

[0169] For other methods of obtaining the card information of overseas bank cards, please refer to the description in S301, which will not be repeated here.

[0170] S703: The client sends an initialization verification request to the first bank server.

[0171] The initialization verification request includes the card information of the overseas bank card.

[0172] In some embodiments, after the client obtains the card information of the overseas bank card, it sends an initialization verification request to the first bank server, and instructs the first bank server to send the initialization verification to the issuing bank server to request the issuing bank server to perform initialization verification on the domestic transaction order.

[0173] S704: The first bank server sends the initialization verification request to the issuing bank server.

[0174] In some embodiments, after receiving the initialization verification request sent by the client, the first bank server sends the initialization verification to the issuing bank server to request the issuing bank server to perform initialization verification on the verification information.

[0175] S705: The issuing bank service returns the verification result of the initialization verification request to the first bank server.

[0176] In some embodiments, the issuing bank server receives the initialization verification request and performs initialization verification on the domestic transaction order. After obtaining the verification result of the initialization verification request, the issuing bank server returns the verification result to the first bank server.

[0177] S706: The first bank server sends the verification result of the initialization verification request to the client.

[0178] In some embodiments, after receiving the verification result of the initialization verification request, the first bank server sends the verification result to the client.

[0179] S707: The client sends an identity authentication request to the first bank server.

[0180] The identity authentication request includes device information of the electronic device.

[0181] In some embodiments, after receiving the verification result of the initialization verification request, if the verification result is verification passed, the client will collect the device information of the electronic device. In addition, the client also sends an identity authentication request to the second bank server, and instructs the second bank server to send the verification request to the first bank server to request the first bank server to authenticate the domestic transaction order.

[0182] S708: The first bank server sends an identity authentication request to the issuing bank server.

[0183] In some embodiments, after receiving the identity authentication request, the first bank server sends the identity authentication request to the issuing bank server to request the issuing bank server to authenticate the domestic transaction order.

[0184] S709: The issuing bank server returns the verification result of the identity authentication request to the first bank server.

[0185] In some embodiments, after receiving the identity authentication request, the issuing bank server makes a risk judgment based on the transaction environment information carried in the identity authentication request. If it is judged that the transaction behavior of the domestic transaction order is inconsistent with the daily transaction behavior of the cardholder, for example, the transaction environment information of the domestic transaction order is inconsistent with the transaction environment information of the cardholder's historical transactions, the domestic transaction order is considered to be a risky transaction and the domestic transaction order is intercepted. If it is judged that the transaction behavior of the domestic transaction order is consistent with the daily transaction behavior of the cardholder, the transaction may be allowed to proceed. Furthermore, the issuing bank server also returns the verification result of the identity authentication request to the first bank service.

[0186] S710: The first bank server sends the verification result of the identity authentication request to the client.

[0187] In some embodiments, after receiving the verification result of the identity authentication request, the first bank server sends the verification result to the client.

[0188] S711: The client displays the verification interface of the issuing bank of the overseas bank card, and an input area is displayed on the verification page of the issuing bank.

[0189] In some embodiments, after receiving the verification result of the identity authentication request, the client obtains the verification page of the issuing bank of the overseas bank card, and displays the verification interface of the issuing bank after the client completes the rendering. For example, the verification interface of the issuing bank is as follows: Fig. 8A The card issuing bank verification interface displays an input area for instructing the user to fill in verification information, which includes the user's reserved information at the card issuing bank and / or a text message verification code.

[0190] S712: The client sends a query request to the first bank server.

[0191] In some embodiments, after the client submits the issuing bank verification interface with the user filling in the verification information to the issuing bank server, the client also sends a query request to the issuing bank server to request the verification result obtained by the issuing bank server after verifying the verification information on the issuing bank verification interface.

[0192] S713: The first bank server sends a query request to the issuing bank server.

[0193] In some embodiments, after receiving the query request, the first bank server sends the query request to the issuing bank server.

[0194] S714: The issuing bank server returns the verification result of the verification information to the first bank server.

[0195] In some embodiments, after receiving the query request, the issuing bank server returns the verification result of the verification information to the first bank server.

[0196] S715: The first bank server sends the verification result of the verification information to the client.

[0197] In some embodiments, after receiving the verification result of the verification information returned by the issuing bank server, the first bank server sends the verification result to the client.

[0198] S716: The client obtains the payment password information of the digital wallet input by the user.

[0199] In some embodiments, the client displays a password input interface, for example, a password input interface such as Fig. 8A As shown in (h), the user enters the payment password in the password input interface.

[0200] Regarding other methods for the client to obtain payment password information, please refer to the description in section S303 and will not be repeated here.

[0201] S717: The client sends a payment request to the first bank server, requesting to use the currency in the overseas bank card to recharge the digital wallet and use the balance in the digital wallet to pay.

[0202] In some embodiments, after obtaining the payment password of the digital wallet, the client sends a payment request to the first bank server, requesting the first bank server to use the currency in the overseas bank card to recharge the digital wallet and use the balance in the digital wallet to pay.

[0203] It should be noted that the payment request is used to request the continuous execution of two operations: recharging a digital wallet and using the digital currency in the digital wallet to pay for a transaction order.

[0204] S718: The first bank server returns payment result information of the payment request to the client.

[0205] In some embodiments, after receiving the payment request sent by the client, the first bank server uses the currency in the overseas bank card to recharge the digital wallet and pay for the transaction order. After paying for the transaction order, the payment result information is returned to the client. The client displays the payment result interface, for example, Fig. 8A As shown in (i) in .

[0206] The above mainly introduces the solution provided by the embodiment of the present application from the perspective of the method. In order to realize the above functions, the cross-border payment device or electronic device includes a hardware structure and / or software module corresponding to the execution of each function. It should be easy for those skilled in the art to realize that, in combination with the units and algorithm steps of each example described in the embodiments disclosed in this document, the present application can be implemented in the form of hardware or a combination of hardware and computer software. Whether a function is executed in the form of hardware or computer software driving hardware depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0207] The embodiment of the present application can divide the cross-border payment device or electronic device into functional modules according to the above method. For example, the cross-border payment device or electronic device may include various functional modules corresponding to the various functional divisions, or two or more functions may be integrated into one processing module. The above integrated modules can be implemented in the form of hardware or in the form of software functional modules. It should be noted that the division of modules in the embodiment of the present application is schematic and is only a logical functional division. There may be other division methods in actual implementation.

[0208] For example, an embodiment of the present application also provides a cross-border payment device.

[0209] Fig. 9 is a block diagram of a cross-border payment device according to an exemplary embodiment. Fig. 9 The cross-border payment device 900 includes a receiving module 901, an acquisition module 902 and a payment module 903.

[0210] The receiving module 901 is configured to receive a payment operation request, where the payment operation request is used to request payment for a domestic transaction order using a digital wallet created on the client. Figure 3 , the receiving module 901 can be used to execute S301.

[0211] The acquisition module 902 is configured to execute, in response to detecting the user's instruction operation, to obtain the card information of the target overseas bank card to be recharged to the digital wallet; the instruction operation is used to instruct to use the overseas bank card to recharge the digital wallet and use the digital wallet to pay for the transaction order. Figure 3 , the acquisition module 902 can be used to execute S302.

[0212] The payment module 903 is configured to execute a payment request to the first bank server of the target operating institution of the digital wallet to request to convert the currency in the target overseas bank card into digital currency to recharge the digital wallet, and use the balance in the digital wallet to pay for the transaction order. Figure 3 , the payment module 903 can be used to execute S303.

[0213] The receiving module 901 is further configured to execute: receiving payment result information sent by the first bank server, the payment result information is used to indicate that the target overseas bank card has been used to recharge the digital wallet and the digital wallet has been used to pay for the transaction order. Figure 3 The receiving module 901 can also be used to execute S303.

[0214] In a possible implementation, before sending a payment request to the first bank server of the target operating institution of the digital wallet, the payment module 903 is further configured to execute: sending a payment verification request to the issuing bank server of the target overseas bank card, and the payment verification request is forwarded to the issuing bank server of the target overseas bank card through the first bank server of the target operating institution; wherein the payment verification request is used to request the issuing bank server of the target overseas bank card to perform security verification on the domestic transaction order; the domestic transaction target operating institution is any one operating institution specified by the user from multiple operating institutions supporting digital wallet services when creating a digital wallet; the target operating institution supports foreign card acquiring business; receiving the payment verification result of the payment verification request from the issuing bank server of the target overseas bank card; the payment verification result is forwarded to the client by the issuing bank server through the first bank server.

[0215] In another possible implementation, before sending a payment request to the first bank server of the target operating institution of the digital wallet, the payment module 903 is further configured to execute: sending a payment verification request to the issuing bank server of the target overseas bank card, the payment verification request is forwarded to the second bank server through the first bank server of the target operating institution, and forwarded by the second bank server to the issuing bank server of the target overseas bank card; wherein the payment verification request is used to request the issuing bank server of the target overseas bank card to perform security verification on the domestic transaction order; the target operating institution is any one of the operating institutions specified by the user from multiple operating institutions supporting digital wallet services when creating a digital wallet; the operating institution to which the second bank server belongs supports foreign card acquiring services; receiving the payment verification result of the payment verification request from the issuing bank server of the target overseas bank card; the payment verification result is sent by the issuing bank server to the first bank server of the target operating institution, and forwarded by the first bank server to the client via the second bank server.

[0216] In another possible implementation, the payment module 903 is specifically configured to execute: sending an identity authentication request to the issuing bank server of the target overseas bank card, the identity authentication request including transaction environment information of the domestic transaction order, and the identity authentication request is used to request the issuing bank server to authenticate the domestic transaction order based on the transaction environment information.

[0217] In another possible implementation, the payment module 903 is specifically configured to execute: displaying the issuing bank verification interface of the target overseas bank card, and obtaining the verification information entered by the user on the issuing bank verification interface; sending a verification information verification request to the issuing bank server of the target overseas bank card, the verification information verification request including the verification information entered by the user on the issuing bank verification interface, and the verification information verification request is used to request the issuing bank server to verify the domestic transaction order based on the verification information.

[0218] In another possible implementation, the payment module 903 is specifically configured to execute: sending an initialization verification request to the issuing bank server of the target overseas bank card, the initialization verification request including the card information of the target overseas bank card, and the initialization verification request is used to request the issuing bank server to perform initialization verification on the domestic transaction order based on the card information of the target overseas bank card.

[0219] In another possible implementation, the payment module 903 is specifically configured to execute: obtaining the payment password information of the digital wallet input by the user, and sending a payment request to the first bank server of the target operating institution; the payment request includes the payment password information.

[0220] In another possible implementation, the payment module 903 is further configured to execute: in response to a payment operation request, display a first interface, the first interface including a target control, the target control being used to indicate the use of an overseas bank card to recharge and pay for a digital wallet; the payment module 903 is further configured to execute: detecting a user's operation on a target control; or, in response to a payment operation request, displaying a second interface, the second interface including a first control, the first control being used to indicate the use of an overseas bank card to recharge and pay for a digital wallet; the payment module 903 is further configured to execute: after detecting a user's operation on the first control, displaying a third interface, the third interface including a second control, the second control being used to indicate the use of an overseas bank card to recharge a digital wallet; detecting a user's operation on the second control; the acquisition module 902 is further configured to execute: detecting an operation of detecting the card information of a target overseas bank card input by a user; or detecting an operation of a target overseas bank card that has been registered in a digital wallet indicated by a user.

[0221] In another possible implementation, the payment module 903 is further configured to execute: after receiving a payment operation request, display a fourth interface, the fourth interface including prompt information, the prompt information being used to prompt the user to input the card information of the bank card to be recharged to the digital wallet to be paid; the payment module 903 is further configured to execute: an operation of detecting the card information of the bank card input by the user, and the input bank card is an overseas bank card; or, an operation of detecting a bank card that has been registered in the digital wallet indicated by the user, and the registered bank card is an overseas bank card; the acquisition module 902 is specifically configured to execute: obtaining the card information of the overseas bank card input by the user; or, obtaining the card information of the overseas bank card that has been registered in the digital wallet indicated by the user.

[0222] In another possible implementation, the receiving module 901 is specifically configured to execute: receiving a payment operation request in response to a scanning operation of a payment code; or receiving a payment operation request in response to a scanning operation of a payment code of a digital wallet.

[0223] Regarding the device in the above embodiment, the specific manner in which each module performs operations has been described in detail in the embodiment of the method, and will not be elaborated here.

[0224] Fig.10 FIG. 1 is a block diagram of an electronic device according to an exemplary embodiment. Fig.10 As shown, the electronic device 100 includes but is not limited to: a processor 110 and a memory 120 .

[0225] The memory 120 is used to store executable instructions of the processor 110. It can be understood that the processor 110 is configured to execute instructions to implement the cross-border payment method in the above embodiment.

[0226] It should be noted that those skilled in the art can understand that Fig.10 The electronic device structure shown in the figure does not constitute a limitation on the electronic device, and the electronic device may include Fig.10 More or fewer components may be shown, or certain components may be combined, or the components may be arranged differently.

[0227] The processor 110 is the control center of the electronic device. It uses various interfaces and lines to connect various parts of the entire electronic device. It executes various functions of the electronic device and processes data by running or executing software programs and / or modules stored in the memory 120, and calling data stored in the memory 120, so as to monitor the electronic device as a whole. The processor 110 may include one or more processing units; optionally, the processor 110 may integrate an application processor and a modem processor, wherein the application processor mainly processes the operating system, user interface, and application programs, and the modem processor mainly processes wireless communications. It is understandable that the above-mentioned modem processor may not be integrated into the processor 110.

[0228] The memory 120 can be used to store software programs and various data. The memory 120 can mainly include a program storage area and a data storage area, wherein the program storage area can store an operating system, an application program required by at least one functional module (such as a receiving module, an acquisition module, and a payment module, etc.). In addition, the memory 120 can include a high-speed random access memory, and can also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other volatile solid-state storage devices.

[0229] In an exemplary embodiment, a computer-readable storage medium including instructions is also provided, such as a memory 120 including instructions, and the above instructions can be executed by the processor 110 of the electronic device 100 to implement the cross-border payment method in the above embodiment.

[0230] In actual implementation, the processing functions of the receiving module 901, the obtaining module 902 and the payment module 903 can all be Fig.10 The processor 110 in the embodiment calls the computer program stored in the memory 120 for implementation. The specific execution process can refer to the description of the cross-border payment method in the above embodiment, which will not be repeated here.

[0231] Optionally, the computer-readable storage medium may be a non-temporary computer-readable storage medium, for example, the non-temporary computer-readable storage medium may be a read-only memory (ROM), a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, etc.

[0232] In an exemplary embodiment, the present application also provides a computer program product including one or more instructions, which can be executed by the processor 110 of the electronic device 100 to complete the cross-border payment method in the above embodiment.

[0233] It should be noted that when the instructions in the above-mentioned computer-readable storage medium or one or more instructions in the computer program product are executed by the processor 110 of the electronic device 100, the various processes of the above-mentioned cross-border payment method embodiment are implemented, and the same technical effect as the above-mentioned cross-border payment method can be achieved. To avoid repetition, they will not be repeated here.

[0234] Through the description of the above implementation methods, technical personnel in the relevant field can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional modules is used as an example. In actual applications, the above-mentioned functions can be assigned to different functional modules as needed, that is, the internal structure of the device can be divided into different functional modules to complete all or part of the functions described above.

[0235] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic, for example, the division of modules or units is only a logical function division, and there may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another device, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0236] The units described as separate components may or may not be physically separated, and the components shown as units may be one physical unit or multiple physical units, that is, they may be located in one place or distributed in multiple different places. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0237] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0238] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a readable storage medium. Based on this understanding, the technical solution of the embodiment of the present application is essentially or the part that contributes to the prior art or the full classification part or part of the technical solution can be embodied in the form of a software product, which is stored in a storage medium, including a number of instructions to enable a device (which can be a single-chip microcomputer, chip, etc.) or a processor (processor) to execute the full classification part or part of the steps of each embodiment method of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, ROM, RAM, disk or CD and other media that can store program code.

[0239] The above are only specific implementations of the present application, but the protection scope of the present application is not limited thereto, and any changes or substitutions within the technical scope disclosed in the present application should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

Claims

1. A cross-border payment method, characterized in that: The method comprises: receiving a payment operation request, wherein the payment operation request is used to request payment for a domestic transaction order using a digital wallet created on a client; In response to the payment operation request, a first interface is displayed, wherein the first interface includes a target control, and the target control is used to instruct the use of an overseas bank card to recharge and pay for the digital wallet; detecting the user's instruction operation includes: detecting the user's operation on the target control; or, In response to the payment operation request, displaying a second interface, the second interface including a first control, the first control being used to instruct to recharge the digital wallet and pay; detecting the user's instruction operation, including: after detecting the user's operation on the first control, displaying a third interface, the third interface including a second control, the second control being used to instruct to use an overseas bank card to recharge the digital wallet; detecting the user's operation on the second control; In response to the detection of the user's instruction operation, obtaining the card information of the target overseas bank card to be recharged to the digital wallet; the instruction operation is used to instruct the use of the overseas bank card to recharge the digital wallet and to use the digital wallet to pay for the transaction order; Sending a payment request to the first bank server of the target operating institution of the digital wallet to request to convert the currency in the target overseas bank card into digital currency to recharge the digital wallet, and use the balance in the digital wallet to pay for the transaction order; receiving payment result information sent by the first bank server, wherein the payment result information is used to indicate that the digital wallet has been recharged using the target overseas bank card and the digital wallet has been used to pay for the transaction order; The obtaining of card information of a target overseas bank card to be recharged to the digital wallet includes: An operation of detecting the card information of the target overseas bank card input by a user; or an operation of detecting the target overseas bank card registered in the digital wallet indicated by a user.

2. The method according to claim 1, characterized in that Before sending the payment request to the first bank server of the target operating institution of the digital wallet, the method further includes: Sending a payment verification request to the issuing bank server of the target overseas bank card, wherein the payment verification request is forwarded to the issuing bank server of the target overseas bank card through the first bank server of the target operating institution; The payment verification request is used to request the issuing bank server of the target overseas bank card to perform security verification on the domestic transaction order; the target operating institution is any one of the operating institutions designated by the user from multiple operating institutions supporting digital wallet services when creating the digital wallet; the target operating institution supports foreign card acquiring services; A payment verification result of the payment verification request is received from the issuing bank server of the target overseas bank card; the payment verification result is forwarded by the issuing bank server to the client through the first bank server.

3. The method according to claim 1, characterized in that Before sending the payment request to the first bank server of the target operating institution of the digital wallet, the method further includes: Sending a payment verification request to the issuing bank server of the target overseas bank card, wherein the payment verification request is forwarded to the second bank server through the first bank server of the target operating institution, and then forwarded to the issuing bank server of the target overseas bank card by the second bank server; The payment verification request is used to request the issuing bank server of the target overseas bank card to perform security verification on the domestic transaction order; the target operating institution is any operating institution specified by the user from multiple operating institutions supporting digital wallet services when creating the digital wallet; the operating institution to which the second bank server belongs supports foreign card acquiring services; Receive the payment verification result of the payment verification request from the issuing bank server of the target overseas bank card; the payment verification result is sent by the issuing bank server to the first bank server of the target operating institution, and forwarded by the first bank server to the client through the second bank server.

4. The method according to claim 2 or 3, characterized in that: The sending of a payment verification request to the issuing bank server of the target overseas bank card includes: An identity authentication request is sent to the issuing bank server of the target overseas bank card, wherein the identity authentication request includes the transaction environment information of the domestic transaction order, and the identity authentication request is used to request the issuing bank server to authenticate the domestic transaction order based on the transaction environment information.

5. The method according to claim 4, characterized in that The sending of the payment verification request to the issuing bank server of the target overseas bank card also includes: Displaying the card issuing bank verification interface of the target overseas bank card, and obtaining verification information entered by the user on the card issuing bank verification interface; A verification information verification request is sent to the issuing bank server of the target overseas bank card, wherein the verification information verification request includes the verification information entered by the user in the issuing bank verification interface, and the verification information verification request is used to request the issuing bank server to verify the domestic transaction order based on the verification information.

6. The method according to claim 4, characterized in that The sending of the payment verification request to the issuing bank server of the target overseas bank card also includes: An initialization verification request is sent to the issuing bank server of the target overseas bank card, wherein the initialization verification request includes the card information of the target overseas bank card, and the initialization verification request is used to request the issuing bank server to perform initialization verification on the domestic transaction order based on the card information of the target overseas bank card.

7. The method according to claim 1, characterized in that The sending of the payment request to the first bank server of the target operating institution of the digital wallet comprises: Acquire the payment password information of the digital wallet input by the user, and send the payment request to the first bank server of the target operating institution; the payment request includes the payment password information.

8. The method according to claim 1, characterized in that: The method further comprises: After receiving the payment operation request, displaying a fourth interface, the fourth interface including prompt information, the prompt information being used to prompt the user to enter card information of a bank card for recharging the digital wallet to be paid; The detecting of the user's instruction operation includes: An operation of detecting card information of a bank card input by a user, where the input bank card is a foreign bank card; or an operation of detecting a bank card registered in the digital wallet indicated by a user, where the registered bank card is a foreign bank card; The obtaining of the target overseas bank card information includes: Obtain the card information of the overseas bank card input by the user; or obtain the card information of the overseas bank card registered in the digital wallet indicated by the user.

9. The method according to claim 1, characterized in that: The receiving a payment operation request comprises: In response to a scanning operation of a payment code, receiving the payment operation request; or, In response to a scanning operation of a payment code of the digital wallet, the payment operation request is received.

10. A cross-border payment device, characterized in that: The device comprises: A receiving module, configured to receive a payment operation request, wherein the payment operation request is used to request payment for a domestic transaction order using a digital wallet created on a client; The payment module is specifically configured to display a first interface in response to the payment operation request, wherein the first interface includes a target control, and the target control is used to instruct the use of an overseas bank card to recharge and pay for the digital wallet; detecting the user's instruction operation includes: detecting the user's operation on the target control; or, The payment module is further specifically configured to, in response to the payment operation request, display a second interface including a first control, the first control being used to instruct to recharge the digital wallet and pay; detecting the user's instruction operation, including: after detecting the user's operation on the first control, displaying a third interface, the third interface including a second control, the second control being used to instruct to use an overseas bank card to recharge the digital wallet; detecting the user's operation on the second control; an acquisition module, configured to execute, in response to the detected user's instruction operation, to acquire card information of a target overseas bank card to be recharged to the digital wallet; the instruction operation is used to instruct to use an overseas bank card to recharge the digital wallet and use the digital wallet to pay for the transaction order; The payment module is configured to execute a payment request to a first bank server of a target operating institution of the digital wallet, so as to request to convert the currency in the target overseas bank card into digital currency to recharge the digital wallet, and use the balance in the digital wallet to pay for the transaction order; The receiving module is further configured to execute: receiving payment result information sent by the first bank server, the payment result information being used to indicate that the digital wallet has been recharged using the target overseas bank card and the digital wallet has been used to pay for the transaction order; The acquisition module is specifically configured to detect an operation of the card information of the target overseas bank card input by a user; or detect an operation of the target overseas bank card registered in the digital wallet indicated by a user.

11. An electronic device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the method as claimed in any one of claims 1 to 9.

12. A computer-readable storage medium, characterized in that: When the computer-executable instructions stored in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is capable of performing the method as claimed in any one of claims 1 to 9.

13. A computer program product, characterized in that The computer program product comprises computer instructions, and when the computer instructions are executed on an electronic device, the electronic device performs the method according to any one of claims 1 to 9.

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