Digital wallet-based payment processing method and apparatus

Abstract

Embodiments of the present specification provide a digital wallet-based payment processing method and device, wherein a digital wallet-based payment processing method comprises: receiving a payment request of a transaction order of a buyer and a seller submitted by a transaction platform for a digital wallet; if the digital wallet is a first digital wallet of a preset type, determining a sub-account corresponding to a sub-account identifier of a settlement account of the buyer according to the sub-account identifier carried by the payment request; the first digital wallet is generated based on the settlement account and the sub-account; performing payment processing of the transaction order based on the settlement account, and updating the accounting amount of the sub-account according to the payment processing result.

Description

Technical Field

[0001] This document relates to the field of payment technology, and in particular to a payment processing method and apparatus based on a digital wallet. Background Technology

[0002] With the development of internet technology and the popularization of mobile terminals, more and more services are extending to online scenarios. For example, online payment and service reservation are becoming more and more frequent and convenient in online scenarios. As the application scope and application scenarios of online processing methods become more and more extensive, the diverse demands of all parties for online processing are also increasing, which poses a greater challenge to online service providers. Summary of the Invention

[0003] This specification provides one or more embodiments of a payment processing method based on a digital wallet, comprising: receiving a payment request from a trading platform for a transaction order between a buyer and a seller submitted to the digital wallet; if the digital wallet is a first digital wallet of a preset type, determining a sub-account corresponding to the sub-account identifier under the buyer's settlement account based on the sub-account identifier carried in the payment request; the first digital wallet being generated based on the settlement account and the sub-account; processing the payment for the transaction order based on the settlement account, and updating the recorded amount of the sub-account according to the payment processing result.

[0004] This specification provides one or more embodiments of another digital wallet-based payment processing method, including: determining the digital wallet opened by the buyer for the seller based on a transaction order between the buyer and the seller. If the digital wallet is a first digital wallet of a preset type, a sub-account created for the seller is determined as the payment account for the transaction order. The sub-account is created under the buyer's settlement account, and the first digital wallet is generated based on the settlement account and the sub-account. A payment request for the transaction order is submitted to a payment platform for the digital wallet.

[0005] This specification provides one or more embodiments of a digital wallet-based payment processing device, comprising: a payment request receiving module configured to receive payment requests from a trading platform for a transaction order between a buyer and a seller submitted to the digital wallet; an account determination module configured to, if the digital wallet is a first digital wallet of a preset type, determine a sub-account corresponding to the sub-account identifier carried in the payment request under the buyer's settlement account. The first digital wallet is generated based on the settlement account and the sub-account; and a payment processing module configured to process the payment for the transaction order based on the settlement account and update the recorded amount of the sub-account according to the payment processing result.

[0006] This specification provides one or more embodiments of another digital wallet-based payment processing apparatus, comprising: a digital wallet determination module configured to determine, based on a transaction order between a buyer and a seller, a digital wallet opened by the buyer for the seller; a payment account determination module configured to, if the digital wallet is a first digital wallet of a preset type, determine a sub-account created for the seller as the payment account for the transaction order; the sub-account is created under the buyer's settlement account, and the first digital wallet is generated based on the settlement account and the sub-account; and a payment request submission module configured to submit a payment request for the transaction order to a payment platform for the digital wallet.

[0007] This specification provides one or more embodiments of a digital wallet-based payment processing device, including: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: receive a payment request from a trading platform for a transaction order submitted by a buyer and seller to the digital wallet. If the digital wallet is a first digital wallet of a preset type, the processor determines a sub-account corresponding to the sub-account identifier under the buyer's settlement account based on the sub-account identifier carried in the payment request. The first digital wallet is generated based on the settlement account and the sub-account. The processor performs payment processing on the transaction order based on the settlement account and updates the recorded amount of the sub-account according to the payment processing result.

[0008] This specification provides one or more embodiments of another digital wallet-based payment processing device, comprising: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: determine, based on a transaction order between a buyer and a seller, a digital wallet opened by the buyer for the seller; if the digital wallet is a first digital wallet of a preset type, determine a sub-account created for the seller as the payment account for the transaction order; the sub-account is created under the buyer's settlement account, and the first digital wallet is generated based on the settlement account and the sub-account; and submit a payment request for the transaction order to a payment platform for the digital wallet.

[0009] This specification provides one or more embodiments of a storage medium for storing computer-executable instructions that, when executed by a processor, implement the following process: receiving a payment request from a trading platform for a transaction order between a buyer and a seller submitted to a digital wallet. If the digital wallet is a first digital wallet of a preset type, determining the sub-account corresponding to the sub-account identifier under the buyer's settlement account based on the sub-account identifier carried in the payment request. The first digital wallet is generated based on the settlement account and the sub-account. Payment processing of the transaction order is performed based on the settlement account, and the recorded amount of the sub-account is updated according to the payment processing result.

[0010] This specification provides one or more embodiments of another storage medium for storing computer-executable instructions that, when executed by a processor, implement the following process: Based on a transaction order between a buyer and a seller, determine the digital wallet opened by the buyer for the seller. If the digital wallet is a first digital wallet of a preset type, determine the sub-account created for the seller as the payment account for the transaction order. The sub-account is created under the buyer's settlement account, and the first digital wallet is generated based on the settlement account and the sub-account. Submit a payment request for the transaction order to a payment platform for the digital wallet. Attached Figure Description

[0011] To more clearly illustrate the technical solutions in one or more embodiments of this specification or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0012] Figure 1 A flowchart illustrating a payment processing method based on a digital wallet, provided for one or more embodiments of this specification;

[0013] Figure 2 A flowchart illustrating a digital wallet-based payment processing method applied to a payment platform, provided for one or more embodiments of this specification;

[0014] Figure 3 A flowchart illustrating another payment processing method based on a digital wallet, provided for one or more embodiments of this specification;

[0015] Figure 4 A flowchart illustrating a digital wallet-based payment processing method applied to a transaction platform, provided for one or more embodiments of this specification;

[0016] Figure 5 A schematic diagram of a payment processing device based on a digital wallet provided for one or more embodiments of this specification;

[0017] Figure 6 A schematic diagram of another digital wallet-based payment processing device provided for one or more embodiments of this specification;

[0018] Figure 7 A schematic diagram of the structure of a payment processing device based on a digital wallet, provided for one or more embodiments of this specification;

[0019] Figure 8 This is a schematic diagram of another digital wallet-based payment processing device provided for one or more embodiments of this specification. Detailed Implementation

[0020] To enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the protection scope of this document.

[0021] This specification provides an example of a payment processing method based on a digital wallet:

[0022] The payment processing method based on digital wallets provided in this application offers a payment system whereby the buyer's settlement account and the buyer generate a first digital wallet for the seller's sub-account created under the settlement account. During the payment processing of transaction orders between the buyer and seller using the digital wallet, when the digital wallet used for payment processing is a first digital wallet of a preset type, the sub-account corresponding to the sub-account identifier created under the buyer's settlement account is determined based on the sub-account identifier carried in the payment request of the transaction order. That is, the sub-account corresponding to the sub-account identifier under the buyer's settlement account is used as the account for processing the transaction order payment. Finally, the payment processing of the transaction order is performed based on the settlement account, and the recorded amount of the sub-account is updated synchronously. This digital wallet-based order payment improves the buyer's payment flexibility and also provides both buyers and sellers with flexibility and security in fund management during the transaction scenario through the establishment of the payment system.

[0023] Step S102: Receive payment requests from the trading platform for transaction orders submitted by the buyer and seller for the digital wallet.

[0024] In this embodiment, the buyer includes users, individual merchants and / or institutions, etc.; the seller includes users, individual merchants and / or institutions. In addition, the seller may also be the same institution establishing corresponding stores in different geographical locations.

[0025] The digital wallet described in this embodiment refers to a payment system built upon a fund account. This payment system can be provided externally as a payment channel, and in payment scenarios, a digital wallet can be selected as the payment channel for payment processing. Specifically, to improve the flexibility of payment processing for both buyers and sellers, digital wallets can optionally be divided into two types: a preset type digital wallet, referred to as the first digital wallet; and a non-preset type digital wallet, referred to as the second digital wallet.

[0026] The preset type refers to a specific or designated type of digital wallet. For example, if the type of the official digital wallet is taken as the preset type, then the official digital wallet is called the first digital wallet. Conversely, the non-preset type refers to a digital wallet that is not a feature type or designated type. For example, if the type of the unofficial (trial) digital wallet is taken as the non-preset type, then the unofficial digital wallet is called the second digital wallet.

[0027] In this embodiment, the first digital wallet can be generated based on the settlement account and the sub-accounts. Therefore, the first digital wallet refers to a payment system built upon the settlement account and its sub-accounts. The settlement account can be a personal settlement account or an institutional settlement account; the sub-accounts include accounting accounts with bookkeeping attributes, where the bookkeeping amount is the amount of funds transferred by the buyer to the first digital wallet, and these transferred funds are stored in the settlement account.

[0028] Building upon this, to further enhance the buyer's payment flexibility, optionally, the first digital wallet is opened by the buyer for the seller. In this case, the funds in the first digital wallet can only be used to pay for transaction orders between the buyer and the current seller, and cannot be used to pay for transaction orders between the buyer and other sellers. Specifically, the settlement account for the first digital wallets opened by the buyer for different sellers is the same settlement account, and each first digital wallet opened for different sellers corresponds one-to-one with a sub-account created under the same settlement account for different sellers. By generating the first digital wallet based on the sub-accounts opened for different sellers and the buyer's settlement account, the buyer can open the first digital wallet at the seller's level and use the opened first digital wallet to process transaction orders with the corresponding sellers. This enhances payment flexibility while ensuring the buyer's fund security.

[0029] For example, the buyer opens a formal version of digital wallet w1 for seller store 1, and can also open a formal version of digital wallet w2 for seller store 2. The settlement account of digital wallet w1 and the settlement account of digital wallet w2 are the same settlement account. The sub-account under the settlement account of digital wallet w1 is the accounting account a1 created for seller store 1, and the sub-account under the settlement account of digital wallet w2 is the accounting account a2 created for seller store 2. The two are two different settlement accounts under the settlement account.

[0030] The buyer can use the funds in digital wallet w1 to pay for the transaction order with seller store 1. The funds in digital wallet w1 are stored in the settlement account and are in a frozen state. The accounting account a1 is responsible for maintaining the accounting amount of the funds in digital wallet w1.

[0031] Similarly, the buyer can use the funds in digital wallet w2 to pay for the transaction order with seller store 2. The funds in digital wallet w2 are stored in the settlement account and are in a frozen state. The accounting account a2 is responsible for maintaining the accounting amount of the funds in digital wallet w2.

[0032] It should be noted that for the first digital wallet generated based on the buyer's settlement account and its sub-accounts, corresponding permissions can also be configured for the first digital wallet. Optionally, the ownership of the first digital wallet can be configured and the ownership can be opened to the buyer or bound to the buyer. Fund permissions for the first digital wallet can also be configured. These fund permissions belong to the institution that established the settlement account and are managed by the institution. For example, after the buyer pre-charges funds to the first digital wallet, the status of the pre-charged funds transferred into the settlement account can be configured to be frozen.

[0033] Optionally, the second digital wallet is generated based on a credit account. Therefore, the second digital wallet refers to a payment system built upon a credit account. It should be noted that the second digital wallet can also be generated based on a guarantee account, a pledge account, or other fund accounts with guarantee or pledge attributes. Accordingly, the credit account provided in this embodiment can be replaced with a guarantee account, a pledge account, or other fund accounts with guarantee or pledge attributes; correspondingly, the second digital wallet refers to a payment system built upon a guarantee account, a pledge account, or other fund accounts with guarantee or pledge attributes.

[0034] Building upon this, to further enhance the buyer's payment flexibility, optionally, a second digital wallet can be opened by the buyer for the seller. In this case, the funds in the second digital wallet can only be used to pay for transactions between the buyer and the current seller, and cannot be used to pay for transactions between the buyer and other sellers. Specifically, the second digital wallets opened by the buyer for different sellers correspond one-to-one with the credit accounts created by the buyer for different sellers. By generating second digital wallets based on the credit accounts opened for different sellers, the buyer can open second digital wallets at the seller level and use these second digital wallets to process payments for transactions with the corresponding sellers. This enhances payment flexibility while ensuring the buyer's fund security.

[0035] For example, the buyer opens an informal (trial) digital wallet w3 for seller store 3, and can also open an informal (trial) digital wallet w4 for seller store 4. Digital wallet w3 is generated based on margin account a3 created for seller store 3, and digital wallet w4 is generated based on margin account a4 created for seller store 4.

[0036] The buyer can use funds in digital wallet w3 to pay for transaction orders with seller store 3, and the funds in digital wallet w3 are stored in margin account a3; similarly, the buyer can use funds in digital wallet w4 to pay for transaction orders with seller store 4, and the funds in digital wallet w4 are stored in margin account a4.

[0037] Similar to the first digital wallet mentioned above, for the second digital wallet generated based on the buyer's credit account, corresponding permissions can also be configured for the second digital wallet. Optionally, the ownership of the second digital wallet can be configured and the ownership can be opened to the buyer or bound to the buyer; the fund permissions of the second digital wallet can also be configured. These fund permissions belong to the institution that established the settlement account and the institution manages the funds in the second digital wallet. For example, after the buyer pre-charges funds to the second digital wallet, the fund status of the pre-charged funds transferred into the credit account can be configured to be frozen.

[0038] In specific implementation, the transaction platform receives payment requests for transaction orders submitted by buyers and sellers for digital wallets. As mentioned above, the digital wallets provided in this embodiment include a first digital wallet of a preset type and a second digital wallet of a non-preset type. In the case where the digital wallet is a first digital wallet of a preset type, optionally, the payment request is submitted after the transaction platform determines that the digital wallet opened by the buyer for the seller is the first digital wallet of the preset type and determines the sub-account created for the seller as the payment account for the transaction order.

[0039] In addition, if the digital wallet is a second digital wallet of a non-preset type, the payment request may be submitted after the transaction platform determines that the digital wallet opened by the buyer for the seller is the second digital wallet of the non-preset type and uses the credit account corresponding to the second digital wallet as the payment account specified in the transaction.

[0040] In practical applications, in order to improve the convenience of order payment for buyers and sellers during transactions on the trading platform, the digital wallet can be added to the payment channel list of the trading platform. Buyers can choose the digital wallet in the payment channel list to make corresponding order payments. Optionally, the payment channel list of the trading platform includes the digital wallet and / or the third-party payment channels corresponding to the payment application.

[0041] Specifically, during the generation of the payment channel list on the trading platform, the digital wallet opened by the seller to which the seller identifier belongs can be determined based on the seller identifier in the transaction order between the buyer and the seller, and the determined digital wallet can be displayed in the payment channel list on the trading platform. It should be noted that if the buyer has not opened a digital wallet for the seller to which the seller identifier belongs in the transaction order, the digital wallet will not be displayed in the payment channel list on the trading platform.

[0042] The digital wallet-based payment processing method provided in this embodiment can be applied to payment platforms. The digital wallet-based payment processing method provided in the following method embodiments can be applied to trading platforms. The two cooperate with each other during execution. Therefore, when reading this embodiment, you can refer to the corresponding content of the following method embodiments. Optionally, when the digital wallet-based payment processing method provided in this embodiment is applied to a payment platform, in order to improve the convenience of order payment during transactions between buyers and sellers on the trading platform, the payment request can be submitted based on the buyer's payment application that cooperates with the payment platform; wherein, the payment channel list of the payment application includes the digital wallet.

[0043] Step S104: If the digital wallet is a first digital wallet of a preset type, then determine the sub-account corresponding to the sub-account identifier under the buyer's settlement account based on the sub-account identifier carried in the payment request.

[0044] As described above, the settlement account for the first digital wallet opened by the buyer for different sellers is the same settlement account, and each first digital wallet opened for different sellers corresponds one-to-one with a sub-account created for different sellers under the same settlement account. In this case, the buyer's settlement account may contain sub-accounts created by the buyer for multiple different sellers. In specific implementation, if the digital wallet is a first digital wallet of a preset type, the sub-account corresponding to the sub-account identifier under the buyer's settlement account is determined based on the sub-account identifier carried in the payment request, and thus the payment account is used to make payment for the transaction order.

[0045] To improve the ease of opening the first digital wallet and thus enhance the buyer's experience in opening the first digital wallet, in one optional implementation of this embodiment, the first digital wallet is opened in the following manner:

[0046] Based on the buyer's signing instruction for the digital wallet service agreement, detect whether the buyer has a settlement account;

[0047] If it does not exist, then open the buyer's settlement account, create a sub-account under the opened settlement account, and generate a digital wallet based on the opened settlement account and the created sub-account to obtain the first digital wallet;

[0048] If it exists, a sub-account is created under the settlement account selected by the buyer, and a digital wallet is generated based on the selected settlement account and the created sub-account to obtain the first digital wallet.

[0049] Step S106: Process the payment for the transaction order based on the settlement account, and update the recorded amount of the sub-account according to the payment processing result.

[0050] After determining the sub-account corresponding to the sub-account identifier under the buyer's settlement account, in this step, the payment of the transaction order is processed based on the settlement account, and the accounting amount of the sub-account is updated according to the payment processing result. Specifically, in the payment processing process, funds are transferred out from the settlement account according to the transaction amount recorded in the transaction order, and the transferred funds are used to process the payment of the transaction order. After the payment is successful, the accounting amount of the sub-account is updated, which means deducting the amount corresponding to the transaction amount from the accounting amount of the sub-account.

[0051] As described above, the digital wallet provided in this embodiment includes a first digital wallet of a preset type and a second digital wallet of a non-preset type. The payment processing procedure is provided above when the digital wallet is a first digital wallet of a preset type. The payment processing procedure is also provided below when the digital wallet is a second digital wallet of a non-preset type.

[0052] In one optional implementation of this embodiment, after receiving the payment request for the transaction order between the buyer and seller submitted by the transaction platform for the digital wallet, if the digital wallet is a second digital wallet of a non-preset type, the payment processing of the transaction order is performed according to the credit account corresponding to the credit account identifier carried in the payment request; the second digital wallet is generated based on the credit account.

[0053] To improve the ease of opening the second digital wallet and thus enhance the buyer's experience in opening the second digital wallet, in one optional implementation of this embodiment, the second digital wallet is opened in the following manner: based on the buyer's signing instruction for the digital wallet service agreement, if the buyer's settlement account opening process fails, the buyer's credit account is opened, and the second digital wallet is generated based on the credit account.

[0054] In addition to the methods for opening the first and second digital wallets provided above, digital wallets can also be opened in the following ways:

[0055] Based on the buyer's signing instruction for the digital wallet service agreement, detect whether the buyer has a settlement account;

[0056] If it exists, a sub-account is created under the settlement account selected by the buyer, and a digital wallet is generated based on the selected settlement account and the created sub-account to obtain the first digital wallet;

[0057] If the settlement account of the buyer does not exist, the settlement account of the buyer is opened. If the opening is successful, a sub-account is created under the opened settlement account, and a digital wallet is generated based on the opened settlement account and the created sub-account to obtain the first digital wallet. If the opening fails, the credit account of the buyer is opened, and a second digital wallet is generated based on the credit account.

[0058] In this embodiment, based on the digital wallet including a first digital wallet of a preset type and a second digital wallet of a non-preset type, a digital wallet upgrade process can also be performed, specifically an upgrade process from the second digital wallet to the first digital wallet, thereby further improving the buyer's user experience of the digital wallet. In one optional implementation of this embodiment, if the buyer's upgrade instruction for the second digital wallet is detected, the upgrade process of upgrading the second digital wallet to the first digital wallet is performed; optionally, the upgrade process includes: creating the buyer's settlement account, creating a sub-account corresponding to the seller under the settlement account, and closing the credit account.

[0059] In addition, during the upgrade process, a settlement account for the buyer can be created, and a sub-account for the seller corresponding to the credit account can be created under the settlement account. Funds from the credit account can be transferred to the settlement account, and the credit account can be closed after the funds are transferred.

[0060] The digital wallet provided in this embodiment can be used as a payment channel or payment tool for order payment processing. To improve the access convenience of the digital wallet during the payment process, corresponding transaction keywords can be configured for the digital wallet, so that payment access to the digital wallet can be performed based on the transaction keywords. Optionally, the transaction keywords of the first digital wallet include: the sub-account identifier of the sub-account corresponding to the first digital wallet, and / or, the seller identification information of the sub-account corresponding to the first digital wallet; wherein, the sub-account identifier may be an account ID assigned to the sub-account, and the seller identification information may be the seller's name.

[0061] Optionally, the transaction keywords of the second digital wallet include: the credit account identifier of the credit account corresponding to the second digital wallet, and / or the identifier information of the seller to which the credit account corresponding to the second digital wallet is located; wherein, the credit account identifier may be an account ID assigned to the credit account.

[0062] It should be noted that in this embodiment, the buyer can perform fund operations such as pre-charging, refunding, withdrawing, and querying funds based on the digital wallet opened for the seller. The following uses pre-charging and refunding as examples to illustrate fund operations based on the digital wallet.

[0063] In one optional implementation of this embodiment, the pre-charging of funds in the first digital wallet is achieved in the following manner: receiving a pre-charging instruction submitted for the first digital wallet; transferring the pre-charging funds to the settlement account according to the sub-account identifier carried by the pre-charging instruction, and updating the accounting limit of the sub-account to which the sub-account identifier belongs.

[0064] In addition, the pre-charging of funds for the second digital wallet can be achieved by: receiving a pre-charging instruction submitted for the second digital wallet; and transferring the pre-charging funds to the credit account according to the credit account identifier carried in the pre-charging instruction.

[0065] In one optional implementation of this embodiment, the funds of the first digital wallet are returned in the following manner: receiving a fund return instruction submitted for the first digital wallet; determining the available funds of the sub-account to which ...

[0066] Specifically, during the process of transferring the available funds from the settlement account, the available funds can be transferred to a funds account whose account identity information (such as real name information and identity certificate number) is the same as that of the settlement account.

[0067] In addition, the return of funds from the second digital wallet can be achieved in the following way: receiving a fund return instruction submitted for the second digital wallet; determining the available funds in the credit account to which the credit account identifier belongs based on the credit account identifier carried in the fund return instruction, and transferring the available funds out of the credit account. Specifically, in the process of transferring the available funds out of the credit account, the available funds can be transferred to a transfer-in channel for available funds. Specifically, transferring the available funds out of the credit account includes: determining the transfer-in channel for available funds and transferring the available funds to the access channel.

[0068] The following example uses a digital wallet-based payment processing method provided in this embodiment as an example of its application in a payment platform, combined with... Figure 2 The payment processing method based on digital wallets provided in this embodiment will be further explained below. Figure 2 The payment processing method based on digital wallets applied to payment platforms specifically includes the following steps.

[0069] Step S202: Receive payment requests from the transaction platform for transaction orders submitted by users and stores in relation to digital wallets.

[0070] Step S204: If the digital wallet is the first digital wallet, then determine the sub-account corresponding to the sub-account identifier created under the user's settlement account based on the sub-account identifier carried in the payment request.

[0071] Optionally, the first digital wallet is generated based on the user's settlement account and sub-accounts under the user's settlement account.

[0072] Step S206: Process the payment of the transaction order based on the settlement account, and update the accounting amount of the sub-account according to the payment processing result.

[0073] Step S208: If the digital wallet is a second digital wallet, then the transaction order payment is processed according to the credit account corresponding to the credit account identifier carried in the payment request.

[0074] Optionally, the second digital wallet is generated based on the user's credit account.

[0075] Step S210: If an upgrade instruction from the user for the second digital wallet is detected, then the upgrade process of upgrading the second digital wallet to the first digital wallet is performed.

[0076] This specification provides another embodiment of a payment processing method based on a digital wallet:

[0077] Step S302: Based on the transaction order between the buyer and the seller, determine the digital wallet opened by the buyer for the seller.

[0078] In this embodiment, the buyer includes users, individual merchants and / or institutions, etc.; the seller includes users, individual merchants and / or institutions. In addition, the seller may also be the same institution establishing corresponding stores in different geographical locations.

[0079] The digital wallet described in this embodiment refers to a payment system built upon a fund account. This payment system can be provided externally as a payment channel, and in payment scenarios, a digital wallet can be selected as the payment channel for payment processing. Specifically, to improve the flexibility of payment processing for both buyers and sellers, digital wallets can optionally be divided into two types: a preset type digital wallet, referred to as the first digital wallet; and a non-preset type digital wallet, referred to as the second digital wallet.

[0080] The preset type refers to a specific or designated type of digital wallet. For example, if the type of the official digital wallet is taken as the preset type, then the official digital wallet is called the first digital wallet. Conversely, the non-preset type refers to a digital wallet that is not a feature type or designated type. For example, if the type of the unofficial (trial) digital wallet is taken as the non-preset type, then the unofficial digital wallet is called the second digital wallet.

[0081] In this embodiment, the first digital wallet can be generated based on the settlement account and the sub-accounts. Therefore, the first digital wallet refers to a payment system built upon the settlement account and its sub-accounts. The settlement account can be a personal settlement account or an institutional settlement account; the sub-accounts include accounting accounts with bookkeeping attributes, where the bookkeeping amount is the amount of funds transferred by the buyer to the first digital wallet, and these transferred funds are stored in the settlement account.

[0082] Building upon this, to further enhance the buyer's payment flexibility, optionally, the first digital wallet is opened by the buyer for the seller. In this case, the funds in the first digital wallet can only be used to pay for transaction orders between the buyer and the current seller, and cannot be used to pay for transaction orders between the buyer and other sellers. Specifically, the settlement account for the first digital wallets opened by the buyer for different sellers is the same settlement account, and each first digital wallet opened for different sellers corresponds one-to-one with a sub-account created under the same settlement account for different sellers. By generating the first digital wallet based on the sub-accounts opened for different sellers and the buyer's settlement account, the buyer can open the first digital wallet at the seller's level and use the opened first digital wallet to process transaction orders with the corresponding sellers. This enhances payment flexibility while ensuring the buyer's fund security.

[0083] For example, the buyer opens a formal version of digital wallet w1 for seller store 1, and can also open a formal version of digital wallet w2 for seller store 2. The settlement account of digital wallet w1 and the settlement account of digital wallet w2 are the same settlement account. The sub-account under the settlement account of digital wallet w1 is the accounting account a1 created for seller store 1, and the sub-account under the settlement account of digital wallet w2 is the accounting account a2 created for seller store 2. The two are two different settlement accounts under the settlement account.

[0084] The buyer can use the funds in digital wallet w1 to pay for the transaction order with seller store 1. The funds in digital wallet w1 are stored in the settlement account and are in a frozen state. The accounting account a1 is responsible for maintaining the accounting amount of the funds in digital wallet w1.

[0085] Similarly, the buyer can use the funds in digital wallet w2 to pay for the transaction order with seller store 2. The funds in digital wallet w2 are stored in the settlement account and are in a frozen state. The accounting account a2 is responsible for maintaining the accounting amount of the funds in digital wallet w2.

[0086] It should be noted that for the first digital wallet generated based on the buyer's settlement account and its sub-accounts, corresponding permissions can also be configured for the first digital wallet. Optionally, the ownership of the first digital wallet can be configured and the ownership can be opened to the buyer or bound to the buyer. Fund permissions for the first digital wallet can also be configured. These fund permissions belong to the institution that established the settlement account and are managed by the institution. For example, after the buyer pre-charges funds to the first digital wallet, the status of the pre-charged funds transferred into the settlement account can be configured to be frozen.

[0087] Optionally, the second digital wallet is generated based on a credit account. Therefore, the second digital wallet refers to a payment system built upon a credit account. It should be noted that the second digital wallet can also be generated based on a guarantee account, a pledge account, or other fund accounts with guarantee or pledge attributes. Accordingly, the credit account provided in this embodiment can be replaced with a guarantee account, a pledge account, or other fund accounts with guarantee or pledge attributes; correspondingly, the second digital wallet refers to a payment system built upon a guarantee account, a pledge account, or other fund accounts with guarantee or pledge attributes.

[0088] Building upon this, to further enhance the buyer's payment flexibility, optionally, a second digital wallet can be opened by the buyer for the seller. In this case, the funds in the second digital wallet can only be used to pay for transactions between the buyer and the current seller, and cannot be used to pay for transactions between the buyer and other sellers. Specifically, the second digital wallets opened by the buyer for different sellers correspond one-to-one with the credit accounts created by the buyer for different sellers. By generating second digital wallets based on the credit accounts opened for different sellers, the buyer can open second digital wallets at the seller level and use these second digital wallets to process payments for transactions with the corresponding sellers. This enhances payment flexibility while ensuring the buyer's fund security.

[0089] For example, the buyer opens an informal (trial) digital wallet w3 for seller store 3, and can also open an informal (trial) digital wallet w4 for seller store 4. Digital wallet w3 is generated based on margin account a3 created for seller store 3, and digital wallet w4 is generated based on margin account a4 created for seller store 4.

[0090] The buyer can use funds in digital wallet w3 to pay for transaction orders with seller store 3, and the funds in digital wallet w3 are stored in margin account a3; similarly, the buyer can use funds in digital wallet w4 to pay for transaction orders with seller store 4, and the funds in digital wallet w4 are stored in margin account a4.

[0091] Similar to the first digital wallet mentioned above, for the second digital wallet generated based on the buyer's credit account, corresponding permissions can also be configured for the second digital wallet. Optionally, the ownership of the second digital wallet can be configured and the ownership can be opened to the buyer or bound to the buyer; the fund permissions of the second digital wallet can also be configured. These fund permissions belong to the institution that established the settlement account and the institution manages the funds in the second digital wallet. For example, after the buyer pre-charges funds to the second digital wallet, the fund status of the pre-charged funds transferred into the credit account can be configured to be frozen.

[0092] The payment processing method based on digital wallets provided in this embodiment can be applied to trading platforms. In order to improve the convenience of order payment for buyers and sellers during transactions on the trading platform, the digital wallet can be added to the payment channel list of the trading platform. Buyers can select the digital wallet in the payment channel list to make corresponding order payments. Optionally, the payment channel list of the trading platform includes the digital wallet and / or the third-party payment channels corresponding to the payment application.

[0093] Specifically, during the generation of the payment channel list on the trading platform, the digital wallet opened by the seller to which the seller identifier belongs can be determined based on the seller identifier in the transaction order between the buyer and the seller, and the determined digital wallet can be displayed in the payment channel list on the trading platform. It should be noted that if the buyer has not opened a digital wallet for the seller to which the seller identifier belongs in the transaction order, the digital wallet will not be displayed in the payment channel list on the trading platform.

[0094] The digital wallet-based payment processing method embodiment provided in this example can be applied to a trading platform. It works in conjunction with the digital wallet-based payment processing method for payment platforms provided in the above embodiments. Therefore, this embodiment can be read with reference to the corresponding content of the above method embodiments. Optionally, to improve the convenience of order payment during transactions between buyers and sellers on the trading platform, the payment request is submitted by calling the payment interface of a payment application that works with the payment platform; wherein, the payment channel list of the payment application includes the digital wallet.

[0095] Step S304: If the digital wallet is a first digital wallet of a preset type, the sub-account created for the seller will be determined as the payment account for the transaction order.

[0096] Optionally, the sub-account is created under the buyer's settlement account, and the first digital wallet is generated based on the settlement account and the sub-account.

[0097] To improve the ease of opening the first digital wallet and thus enhance the buyer's experience in opening the first digital wallet, in one optional implementation of this embodiment, the first digital wallet is opened in the following manner:

[0098] Based on the buyer's signing instruction for the digital wallet service agreement, detect whether the buyer has a settlement account;

[0099] If it does not exist, then open the buyer's settlement account, create a sub-account under the opened settlement account, and generate a digital wallet based on the opened settlement account and the created sub-account to obtain the first digital wallet;

[0100] If it exists, a sub-account is created under the settlement account selected by the buyer, and a digital wallet is generated based on the selected settlement account and the created sub-account to obtain the first digital wallet.

[0101] Step S306: Submit a payment request for the transaction order to the payment platform for the digital wallet.

[0102] In practice, after the digital wallet submits a payment request for the transaction order to the payment platform, the payment platform processes the payment for the transaction order based on the digital wallet. Optionally, the payment platform determines the sub-account corresponding to the sub-account identifier under the buyer's settlement account based on the sub-account identifier carried in the payment request, processes the payment for the transaction order based on the settlement account, and updates the recorded amount of the sub-account according to the payment processing result.

[0103] As described above, the digital wallet provided in this embodiment includes a first digital wallet of a preset type and a second digital wallet of a non-preset type. The payment processing procedure is provided above when the digital wallet is a first digital wallet of a preset type. The payment processing procedure is also provided below when the digital wallet is a second digital wallet of a non-preset type.

[0104] In one optional implementation of this embodiment, after determining the digital wallet opened by the buyer for the seller based on the transaction order between the buyer and the seller, the method further includes: if the digital wallet is a second digital wallet of a non-preset type, then using the credit account corresponding to the second digital wallet as the payment account for the transaction order; and submitting a payment request for the transaction order to the payment platform for the second digital wallet.

[0105] To improve the ease of opening the second digital wallet and thus enhance the buyer's experience in opening the second digital wallet, in one optional implementation of this embodiment, the second digital wallet is opened in the following manner: based on the buyer's signing instruction for the digital wallet service agreement, if the buyer's settlement account opening process fails, the buyer's credit account is opened, and the second digital wallet is generated based on the credit account.

[0106] In addition to the methods for opening the first and second digital wallets provided above, digital wallets can also be opened in the following ways:

[0107] Based on the buyer's signing instruction for the digital wallet service agreement, detect whether the buyer has a settlement account;

[0108] If it exists, a sub-account is created under the settlement account selected by the buyer, and a digital wallet is generated based on the selected settlement account and the created sub-account to obtain the first digital wallet;

[0109] If the settlement account of the buyer does not exist, the settlement account of the buyer is opened. If the opening is successful, a sub-account is created under the opened settlement account, and a digital wallet is generated based on the opened settlement account and the created sub-account to obtain the first digital wallet. If the opening fails, the credit account of the buyer is opened, and a second digital wallet is generated based on the credit account.

[0110] In this embodiment, based on the digital wallet including a first digital wallet of a preset type and a second digital wallet of a non-preset type, a digital wallet upgrade process can also be performed, specifically an upgrade process from the second digital wallet to the first digital wallet, thereby further improving the buyer's user experience of the digital wallet. In an optional implementation of this embodiment, the upgrade process of the second digital wallet is implemented in the following way: if the buyer's upgrade instruction for the second digital wallet is detected, the second digital wallet is upgraded to the first digital wallet; optionally, the upgrade process includes: creating the buyer's settlement account, creating a sub-account corresponding to the seller under the settlement account, and closing the credit account.

[0111] In addition, during the upgrade process, a settlement account for the buyer can be created, and a sub-account for the seller corresponding to the credit account can be created under the settlement account. Funds from the credit account can be transferred to the settlement account, and the credit account can be closed after the funds are transferred.

[0112] The digital wallet provided in this embodiment can be used as a payment channel or payment tool for order payment processing. To improve the access convenience of the digital wallet during the payment process, corresponding transaction keywords can be configured for the digital wallet, so that payment access to the digital wallet can be performed based on the transaction keywords. Optionally, the transaction keywords of the first digital wallet include: the sub-account identifier of the sub-account corresponding to the first digital wallet, and / or, the seller identification information of the sub-account corresponding to the first digital wallet; wherein, the sub-account identifier may be an account ID assigned to the sub-account, and the seller identification information may be the seller's name.

[0113] Optionally, the transaction keywords of the second digital wallet include: the credit account identifier of the credit account corresponding to the second digital wallet, and / or the identifier information of the seller to which the credit account corresponding to the second digital wallet is located; wherein, the credit account identifier may be an account ID assigned to the credit account.

[0114] The following example uses a digital wallet-based payment processing method provided in this embodiment as an example of its application in a transaction platform, combined with... Figure 4 The payment processing method based on digital wallets provided in this embodiment will be further explained below. Figure 4 The digital wallet-based payment processing method applied to trading platforms specifically includes the following steps.

[0115] Step S402: Based on the transaction order between the user and the store, determine the digital wallet opened by the user for the store.

[0116] Step S404: If the digital wallet is the first digital wallet, the sub-account created for the store will be identified as the payment account for the transaction order.

[0117] Optionally, sub-accounts are created under the user's settlement account, and the first digital wallet is generated based on the settlement account and sub-accounts.

[0118] Step S406: Submit a payment request for a transaction order to the payment platform for the first digital wallet.

[0119] Step S408: If the digital wallet is a second digital wallet, use the credit account corresponding to the second digital wallet as the payment account for the transaction order.

[0120] Optionally, sub-accounts are created under the user's settlement account, and the first digital wallet is generated based on the settlement account and sub-accounts.

[0121] Step S410: Submit a payment request for a transaction order to the payment platform for the second digital wallet.

[0122] This specification provides an embodiment of a payment processing device based on a digital wallet as follows:

[0123] In the above embodiments, a payment processing method based on a digital wallet is provided, and correspondingly, a payment processing device based on a digital wallet is also provided, which will be described below with reference to the accompanying drawings.

[0124] Reference Figure 5 The diagram illustrates a digital wallet-based payment processing device provided in this embodiment.

[0125] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0126] This embodiment provides a payment processing device based on a digital wallet, including:

[0127] The payment request receiving module 502 is configured to receive payment requests from the transaction platform for transaction orders submitted by the buyer and seller to the digital wallet;

[0128] The account determination module 504 is configured to, if the digital wallet is a first digital wallet of a preset type, determine the sub-account corresponding to the sub-account identifier under the buyer's settlement account based on the sub-account identifier carried in the payment request; the first digital wallet is generated based on the settlement account and the sub-account.

[0129] The payment processing module 506 is configured to process the payment of the transaction order based on the settlement account, and update the recorded amount of the sub-account according to the payment processing result.

[0130] Another embodiment of a payment processing device based on a digital wallet, as provided in this specification, is as follows:

[0131] In the above embodiments, another payment processing method based on a digital wallet is provided, and correspondingly, another payment processing device based on a digital wallet is also provided, which will be described below with reference to the accompanying drawings.

[0132] Reference Figure 6 The diagram illustrates a digital wallet-based payment processing device provided in this embodiment.

[0133] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0134] This embodiment provides a payment processing device based on a digital wallet, including:

[0135] The digital wallet determination module 602 is configured to determine the digital wallet opened by the buyer for the seller based on the transaction order between the buyer and the seller.

[0136] The payment account determination module 604 is configured to determine the sub-account created by the seller as the payment account for the transaction order if the digital wallet is a first digital wallet of a preset type; the sub-account is created under the buyer's settlement account, and the first digital wallet is generated based on the settlement account and the sub-account;

[0137] The payment request submission module 606 is configured to submit a payment request for the transaction order to the payment platform for the digital wallet.

[0138] This specification provides an example of a payment processing device based on a digital wallet as follows:

[0139] Corresponding to the above-described digital wallet-based payment processing method, based on the same technical concept, one or more embodiments of this specification also provide a digital wallet-based payment processing device, which is used to execute the above-described digital wallet-based payment processing method. Figure 7 This is a schematic diagram of the structure of a payment processing device based on a digital wallet, provided for one or more embodiments of this specification.

[0140] This embodiment provides a payment processing device based on a digital wallet, comprising:

[0141] like Figure 7 As shown, digital wallet-based payment processing devices can vary significantly due to differences in configuration or performance. They may include one or more processors 701 and memory 702, with memory 702 storing one or more applications or data. Memory 702 can be temporary or persistent storage. The applications stored in memory 702 may include one or more modules (not shown), each module including a series of computer-executable instructions within the digital wallet-based payment processing device. Furthermore, processor 701 may be configured to communicate with memory 702, executing the series of computer-executable instructions in memory 702 on the digital wallet-based payment processing device. The digital wallet-based payment processing device may also include one or more power supplies 703, one or more wired or wireless network interfaces 704, one or more input / output interfaces 705, one or more keyboards 706, etc.

[0142] In one specific embodiment, the digital wallet-based payment processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the digital wallet-based payment processing device, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0143] Receive payment requests from the trading platform for transaction orders submitted by buyers and sellers to digital wallets;

[0144] If the digital wallet is a first digital wallet of a preset type, then the sub-account corresponding to the sub-account identifier under the buyer's settlement account is determined according to the sub-account identifier carried in the payment request; the first digital wallet is generated based on the settlement account and the sub-account.

[0145] The transaction order is processed for payment based on the settlement account, and the accounting amount of the sub-account is updated according to the payment processing result.

[0146] Another embodiment of a payment processing device based on a digital wallet, as provided in this specification, is as follows:

[0147] Corresponding to the other digital wallet-based payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide another digital wallet-based payment processing device, which is used to execute the digital wallet-based payment processing method provided above. Figure 8 This is a schematic diagram of the structure of a payment processing device based on a digital wallet, provided for one or more embodiments of this specification.

[0148] This embodiment provides a payment processing device based on a digital wallet, comprising:

[0149] like Figure 8 As shown, digital wallet-based payment processing devices can vary significantly due to differences in configuration or performance. They may include one or more processors 801 and memory 802, with memory 802 storing one or more applications or data. Memory 802 can be temporary or persistent storage. The applications stored in memory 802 may include one or more modules (not shown), each module including a series of computer-executable instructions from the digital wallet-based payment processing device. Furthermore, processor 801 may be configured to communicate with memory 802, executing the series of computer-executable instructions in memory 802 on the digital wallet-based payment processing device. The digital wallet-based payment processing device may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input / output interfaces 805, one or more keyboards 806, etc.

[0150] In one specific embodiment, the digital wallet-based payment processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the digital wallet-based payment processing device, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0151] Based on the transaction order between the buyer and the seller, determine the digital wallet opened by the buyer for the seller;

[0152] If the digital wallet is a first digital wallet of a preset type, the sub-account created by the seller will be determined as the payment account for the transaction order; the sub-account is created under the buyer's settlement account, and the first digital wallet is generated based on the settlement account and the sub-account;

[0153] The digital wallet submits a payment request for the transaction order to the payment platform.

[0154] This specification provides an example of a storage medium as follows:

[0155] Corresponding to the payment processing method based on a digital wallet described above, and based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0156] The storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed by a processor, implement the following process:

[0157] Receive payment requests from the trading platform for transaction orders submitted by buyers and sellers to digital wallets;

[0158] If the digital wallet is a first digital wallet of a preset type, then the sub-account corresponding to the sub-account identifier under the buyer's settlement account is determined according to the sub-account identifier carried in the payment request; the first digital wallet is generated based on the settlement account and the sub-account.

[0159] The transaction order is processed for payment based on the settlement account, and the accounting amount of the sub-account is updated according to the payment processing result.

[0160] It should be noted that the embodiments concerning storage media in this specification and the embodiments concerning a payment processing method based on a digital wallet in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0161] Another embodiment of the storage medium provided in this specification is as follows:

[0162] Corresponding to the other payment processing method based on a digital wallet described above, and based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0163] The storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed by a processor, implement the following process:

[0164] Based on the transaction order between the buyer and the seller, determine the digital wallet opened by the buyer for the seller;

[0165] If the digital wallet is a first digital wallet of a preset type, the sub-account created by the seller will be determined as the payment account for the transaction order; the sub-account is created under the buyer's settlement account, and the first digital wallet is generated based on the settlement account and the sub-account;

[0166] The digital wallet submits a payment request for the transaction order to the payment platform.

[0167] It should be noted that the embodiments concerning storage media in this specification and the embodiments concerning another payment processing method based on digital wallets in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0168] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0169] In the 1930s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many improvements to the methodology today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that an improvement to the methodology cannot be implemented using a hardware physical module. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program a digital system themselves to "integrate" it onto a PLD, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0170] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, ASICs, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0171] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0172] For ease of description, the above apparatus is described by dividing it into various functional units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in one or more software and / or hardware.

[0173] Those skilled in the art will understand that one or more embodiments of this specification can be provided as a method, system, or computer program product. Therefore, one or more embodiments of this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0174] This specification is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a machine for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0175] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0176] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0177] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0178] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0179] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0180] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0181] One or more embodiments of this specification can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a particular task or implement a particular abstract data type. One or more embodiments of this specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0182] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to interchangeably. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.

[0183] The above description is merely an embodiment of this document and is not intended to limit the scope of this document. Various modifications and variations can be made to this document by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this document should be included within the scope of the claims of this document.

Claims

1. A payment processing method based on a digital wallet, comprising: Receive payment requests from the trading platform for transaction orders submitted by buyers and sellers to digital wallets; If the digital wallet is the first digital wallet opened by the buyer for the seller, then the sub-account corresponding to the sub-account identifier under the buyer's settlement account is determined according to the sub-account identifier carried in the payment request; the first digital wallet is generated based on the settlement account and the sub-account, and the sub-account includes an accounting account; The transaction order is processed for payment based on the settlement account, and the accounting amount of the sub-account is updated according to the payment processing result.

2. The payment processing method based on a digital wallet according to claim 1, wherein the first digital wallet is opened by the buyer for the seller; The settlement account for the first digital wallet opened by the buyer for different sellers is the same settlement account, and the first digital wallet opened for different sellers corresponds one-to-one with the sub-accounts created for different sellers under the same settlement account.

3. The payment processing method based on a digital wallet according to claim 1, wherein the first digital wallet is activated in the following manner: Based on the buyer's signing instruction for the digital wallet service agreement, detect whether the buyer has a settlement account; If it does not exist, then open the buyer's settlement account, create a sub-account under the opened settlement account, and generate a digital wallet based on the opened settlement account and the created sub-account to obtain the first digital wallet; If it exists, a sub-account is created under the settlement account selected by the buyer, and a digital wallet is generated based on the selected settlement account and the created sub-account to obtain the first digital wallet.

4. The payment processing method based on a digital wallet according to claim 1, after the step of receiving the payment request for the transaction order submitted by the transaction platform for the buyer and seller in response to the digital wallet is executed, it further includes: If the digital wallet is a second digital wallet of a non-preset type, then the payment of the transaction order is processed according to the credit account corresponding to the credit account identifier carried in the payment request; the second digital wallet is generated based on the credit account.

5. The payment processing method based on a digital wallet according to claim 4, wherein the second digital wallet is opened by the buyer for the seller; the second digital wallet opened by the buyer for different sellers corresponds one-to-one with the credit account created by the buyer for different sellers.

6. The payment processing method based on a digital wallet according to claim 4, wherein the second digital wallet is activated in the following manner: Based on the buyer's signing instruction for the digital wallet service agreement, if the buyer's settlement account opening process fails, the buyer's credit account is opened, and the second digital wallet is generated based on the credit account.

7. The payment processing method based on a digital wallet according to claim 4 further includes: If an upgrade instruction from the buyer for the second digital wallet is detected, then an upgrade process is performed to upgrade the second digital wallet to the first digital wallet; The upgrade process includes: creating the buyer's settlement account, creating a seller's sub-account corresponding to the credit account under the settlement account, and closing the credit account.

8. The payment processing method based on a digital wallet according to claim 1, wherein the transaction keyword of the first digital wallet includes: The sub-account identifier of the sub-account corresponding to the first digital wallet, and / or the identifier information of the seller to which the sub-account corresponding to the first digital wallet is located.

9. The payment processing method based on a digital wallet according to claim 1, further comprising: Receive a pre-charge instruction for funds submitted to the first digital wallet; Based on the sub-account identifier carried in the pre-charge instruction, the pre-charged funds are transferred to the settlement account, and the accounting limit of the sub-account to which the sub-account identifier belongs is updated.

10. The payment processing method based on a digital wallet according to claim 1, further comprising: Receive a fund return instruction submitted for the first digital wallet; Based on the sub-account identifier carried in the fund return instruction, determine the available funds in the settlement account of the sub-account to which the sub-account identifier belongs, transfer the available funds out of the settlement account, and update the accounting limit of the sub-account.

11. The payment processing method based on a digital wallet according to claim 1, wherein the payment request is submitted after the transaction platform determines that the digital wallet opened by the buyer for the seller is the first digital wallet of the preset type, and determines the sub-account created for the seller as the payment account for the transaction order.

12. The payment processing method based on a digital wallet according to claim 1, wherein the payment channel list of the transaction platform includes third-party payment channels corresponding to the digital wallet and / or payment application.

13. The payment processing method based on a digital wallet according to claim 1, wherein the payment processing method based on a digital wallet is applied to a payment platform, and the payment request is submitted based on the buyer's payment application cooperating with the payment platform; in, The digital wallet is included in the payment channel list of the payment application.

14. A payment processing method based on a digital wallet, comprising: Based on the transaction order between the buyer and the seller, determine the digital wallet opened by the buyer for the seller; If the digital wallet is a first digital wallet of a preset type, the sub-account created for the seller will be determined as the payment account for the transaction order; the sub-account includes the accounting account created under the buyer's settlement account, and the first digital wallet is generated based on the settlement account and the sub-account; The digital wallet submits a payment request for the transaction order to the payment platform.

15. The payment processing method based on a digital wallet according to claim 14, after the step of determining the digital wallet opened by the buyer for the seller based on the transaction order between the buyer and the seller is executed, it further includes: If the digital wallet is a second digital wallet of a non-preset type, then the credit account corresponding to the second digital wallet will be used as the payment account for the transaction. The second digital wallet submits a payment request for the transaction order to the payment platform.

16. The payment processing method based on a digital wallet according to claim 14, wherein the payment platform determines the sub-account corresponding to the sub-account identifier under the buyer's settlement account according to the sub-account identifier carried in the payment request, performs payment processing of the transaction order based on the settlement account, and updates the recorded amount of the sub-account according to the payment processing result.

17. The payment processing method based on a digital wallet according to claim 15, wherein the first digital wallet is opened by the buyer for the seller; the settlement account of the first digital wallet opened by the buyer for different sellers is the same settlement account, and the first digital wallet opened for different sellers corresponds one-to-one with the sub-accounts created for different sellers under the same settlement account; The second digital wallet is opened by the buyer for the seller; the second digital wallet opened by the buyer for different sellers corresponds one-to-one with the credit account created by the buyer for different sellers.

18. The payment processing method based on a digital wallet according to claim 14, wherein the payment processing method based on a digital wallet is applied to a trading platform; the payment channel list of the trading platform includes third-party payment channels corresponding to the digital wallet and / or the payment application.

19. The payment processing method based on a digital wallet according to claim 14, wherein the payment request is submitted by calling the payment interface of a payment application that cooperates with the payment platform; in, The digital wallet is included in the payment channel list of the payment application.

20. A payment processing device based on a digital wallet, comprising: The payment request receiving module is configured to receive payment requests from the trading platform for transaction orders submitted by buyers and sellers to digital wallets; The account determination module is configured to, if the digital wallet is a first digital wallet opened by the buyer for the seller, determine the sub-account corresponding to the sub-account identifier under the buyer's settlement account based on the sub-account identifier carried in the payment request; the first digital wallet is generated based on the settlement account and the sub-account, and the sub-account includes an accounting account; The payment processing module is configured to process the payment for the transaction order based on the settlement account, and update the recorded amount of the sub-account according to the payment processing result.

21. A payment processing device based on a digital wallet, comprising: The digital wallet determination module is configured to determine the digital wallet opened by the buyer for the seller based on the transaction order between the buyer and the seller. The payment account determination module is configured to determine the sub-account created by the seller as the payment account for the transaction order if the digital wallet is a first digital wallet of a preset type; the sub-account includes an accounting account created under the buyer's settlement account, and the first digital wallet is generated based on the settlement account and the sub-account; The payment request submission module is configured to submit a payment request for the transaction order to the payment platform for the digital wallet.

22. A payment processing device based on a digital wallet, comprising: processor; And, a memory configured to store computer-executable instructions, which, when executed, cause the processor to: Receive payment requests from the trading platform for transaction orders submitted by buyers and sellers to digital wallets; If the digital wallet is the first digital wallet opened by the buyer for the seller, then the sub-account corresponding to the sub-account identifier under the buyer's settlement account is determined according to the sub-account identifier carried in the payment request; the first digital wallet is generated based on the settlement account and the sub-account, and the sub-account includes an accounting account; The transaction order is processed for payment based on the settlement account, and the accounting amount of the sub-account is updated according to the payment processing result.

23. A payment processing device based on a digital wallet, comprising: processor; And, a memory configured to store computer-executable instructions, which, when executed, cause the processor to: Based on the transaction order between the buyer and the seller, determine the digital wallet opened by the buyer for the seller; If the digital wallet is a first digital wallet of a preset type, the sub-account created for the seller will be determined as the payment account for the transaction order; the sub-account includes the accounting account created under the buyer's settlement account, and the first digital wallet is generated based on the settlement account and the sub-account; The digital wallet submits a payment request for the transaction order to the payment platform.

24. A storage medium for storing computer-executable instructions, which, when executed by a processor, perform the following process: Receive payment requests from the trading platform for transaction orders submitted by buyers and sellers to digital wallets; If the digital wallet is the first digital wallet opened by the buyer for the seller, then the sub-account corresponding to the sub-account identifier under the buyer's settlement account is determined according to the sub-account identifier carried in the payment request; the first digital wallet is generated based on the settlement account and the sub-account, and the sub-account includes an accounting account; The transaction order is processed for payment based on the settlement account, and the accounting amount of the sub-account is updated according to the payment processing result.

25. A storage medium for storing computer-executable instructions, which, when executed by a processor, perform the following process: Based on the transaction order between the buyer and the seller, determine the digital wallet opened by the buyer for the seller; If the digital wallet is a first digital wallet of a preset type, the sub-account created for the seller will be determined as the payment account for the transaction order; the sub-account includes the accounting account created under the buyer's settlement account, and the first digital wallet is generated based on the settlement account and the sub-account; The digital wallet submits a payment request for the transaction order to the payment platform.

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