Overseas consumption settlement system, method, device, equipment and medium

Abstract

The invention relates to the technical field of data analysis, in particular to an overseas consumption settlement system, method, device and equipment and a medium. In the embodiment of the invention, an overseas merchant terminal identifies and determines the two-dimensional code of the payment digital resource displayed on the client terminal, and determines and displays the second resource value of the digital resource corresponding to the first resource value according to the input first resource value of other electronic resources, so that a user can check and confirm the second resource value; if input confirmation information is received, a money deduction request can be initiated to any domestic bank server supporting the digital resources according to the second resource value and account information of the digital resources carried in the two-dimensional code, the second resource value is deducted from an account, the second resource value is exchanged into the first resource value, and the first resource value is converted into the second resource value; and the first resource value is transferred to an overseas account of an overseas merchant terminal, so that the digital resource can be used for consumption in an overseas merchant.

Description

Technical Field

[0001] The present application relates to the field of data analysis technology, and in particular to an overseas consumption settlement system, method, device, equipment and medium. Background Art

[0002] Digital resources are legal tender in digital form issued by specific banks and can be used for consumption at domestic merchants. However, since all overseas locations have their own corresponding local currencies, i.e. other electronic resources, and consumption can only be done with their own electronic resources, digital resources cannot be freely used for consumption at the Point Of Sale (POS) of overseas merchants.

[0003] Therefore, how to enable digital resources to be used for consumption at overseas merchants is an urgent problem to be solved. Summary of the invention

[0004] The present application provides an overseas consumption settlement system, method, apparatus, device and medium for enabling digital resources to be used for consumption at overseas merchants.

[0005] The present application provides an overseas consumption settlement system, the system comprising:

[0006] A client terminal, used to display a QR code for paying for digital resources;

[0007] The overseas merchant terminal is used to identify the QR code displayed on the client terminal, determine and display the second resource value of the digital resource corresponding to the first resource value of the other electronic resource inputted, and if the input confirmation information is received, initiate a deduction request to any domestic bank server that supports the digital resource according to the second resource value and the account information of the digital resource carried in the QR code;

[0008] The domestic bank server is used to deduct the second resource value from the account according to the deduction request, convert the second resource value into the first resource value, and transfer the first resource value to the overseas account of the overseas merchant terminal.

[0009] Furthermore, the domestic bank server is also used to send a prompt message indicating successful deduction to the client terminal after deducting the second resource value from the account according to the deduction request.

[0010] Furthermore, the domestic bank server is also used to determine the target domestic bank to which the account belongs based on the deduction request; if the target domestic bank is the bank to which the domestic bank server belongs, the second resource value is deducted from the account, the second resource value is converted into the first resource value, and the first resource value is transferred to the overseas account.

[0011] Furthermore, the domestic bank server is further configured to send the deduction request to a target server of the target domestic bank if it is determined that the target domestic bank is not a bank to which the domestic bank server belongs;

[0012] The target server is configured to receive the deduction request, deduct the second resource value from the account according to the deduction request, and transfer the second resource value to a domestic bank account of the domestic bank server;

[0013] The domestic bank server is also used to send a prompt message of successful deduction to the customer terminal after determining that the domestic bank account receives the second resource value, convert the second resource value into the first resource value, and transfer the first resource value to the overseas account of the overseas merchant terminal.

[0014] The present application also provides a method for overseas consumption settlement, the method comprising:

[0015] Identify the QR code displayed on the client terminal, and determine and display the second resource value of the digital resource corresponding to the first resource value of other electronic resources inputted; if the input confirmation information is received, initiate a deduction request to any domestic bank server that supports the digital resource based on the second resource value and the account information of the digital resource carried in the QR code, so that the domestic bank server deducts the second resource value from the account according to the deduction request, converts the second resource value into the first resource value, and transfers the first resource value to the overseas account of the overseas merchant terminal.

[0016] The present application also provides a method for overseas consumption settlement, the method comprising:

[0017] Receiving a deduction request sent by an overseas client terminal, wherein the deduction request is that the overseas client terminal identifies a QR code displayed on the client terminal, determines and displays a second resource value of a digital resource corresponding to the first resource value of other electronic resources inputted, and if confirmation information inputted is received, initiates a request to a domestic bank server according to the second resource value and the account information of the digital resource carried in the QR code;

[0018] According to the deduction request, the second resource value is deducted from the account, the second resource value is converted into the first resource value, and the first resource value is transferred to the overseas account of the overseas merchant terminal.

[0019] Furthermore, after deducting the second resource value from the account according to the deduction request, the method further includes:

[0020] Send a prompt message indicating successful deduction to the customer terminal.

[0021] Furthermore, before deducting the second resource value from the account according to the deduction request, the method further includes:

[0022] Determine the target domestic bank to which the account belongs based on the deduction request;

[0023] If the target domestic bank is the bank to which the domestic bank server belongs, a subsequent operation of deducting the second resource value from the account is performed according to the deduction request.

[0024] Furthermore, the method further comprises:

[0025] If it is determined that the target domestic bank is not a bank to which the domestic bank server belongs, sending the deduction request to the target server of the target domestic bank;

[0026] receiving a second resource value transferred by the target server to a domestic bank account, wherein the second resource value is transferred by the target server after deducting the second resource value from the account according to the deduction request;

[0027] After determining that the domestic bank account receives the second resource value, a prompt message indicating that the deduction is successful is sent to the client terminal.

[0028] The present application also provides an overseas consumption settlement device, the device comprising:

[0029] An identification and display module, used to identify the QR code displayed on the client terminal, and determine and display the second resource value of the digital resource corresponding to the first resource value according to the first resource value of the other electronic resource input;

[0030] A deduction receiving module is used to initiate a deduction request to any domestic bank server that supports the digital resource based on the second resource value and the account information of the digital resource carried in the QR code if the input confirmation information is received, so that the domestic bank server deducts the second resource value from the account according to the deduction request, converts the second resource value into the first resource value, and transfers the first resource value to the overseas account of the overseas merchant terminal.

[0031] The present application also provides an overseas consumption settlement device, the device comprising:

[0032] A receiving module, configured to receive a deduction request sent by an overseas client terminal, wherein the deduction request is a request made by the overseas client terminal to identify a QR code displayed on the client terminal, determine a second resource value of a digital resource corresponding to the first resource value of other electronic resources input, and display the second resource value; if confirmation information input is received, initiate a request to a domestic bank server according to the second resource value and the account information of the digital resource carried in the QR code;

[0033] A deduction module is used to deduct the second resource value from the account according to the deduction request, convert the second resource value into the first resource value, and transfer the first resource value to the overseas account of the overseas merchant terminal.

[0034] Furthermore, the device also includes:

[0035] The prompt module is used to send a prompt message indicating successful deduction to the customer terminal.

[0036] Furthermore, the device also includes:

[0037] A determination module is used to determine the target domestic bank to which the account belongs according to the deduction request; if the target domestic bank is the bank to which the domestic bank server belongs, the deduction module is enabled to perform a subsequent operation of deducting the second resource value from the account according to the deduction request.

[0038] Furthermore, the determination module is further configured to send the deduction request to a target server of the target domestic bank if it is determined that the target domestic bank is not a bank to which the domestic bank server belongs;

[0039] The device also includes: a receiving module, which is used to receive a second resource value transferred from the target server to a domestic bank account, wherein the second resource value is transferred by the target server after deducting the second resource value from the account according to the deduction request; after determining that the domestic bank account receives the second resource value, the prompt module sends a prompt message of successful deduction to the client terminal.

[0040] The present application also provides an electronic device, which includes a processor, and the processor is used to implement the steps of any of the above methods when executing a computer program stored in a memory.

[0041] The present application also provides a computer-readable storage medium storing a computer program, wherein the computer program implements the steps of any of the above methods when executed by a processor.

[0042] The present application also provides a computer program product, which includes: a computer program code, and when the computer program code is executed on a computer, the computer executes the steps of any of the above methods.

[0043] In an embodiment of the present application, the overseas merchant terminal identifies and determines the QR code of the digital resource for payment displayed on the customer terminal, determines and displays the second resource value of the digital resource corresponding to the first resource value based on the first resource value of other electronic resources input, for the user to check and confirm; if the input confirmation information is received, a deduction request can be initiated to any domestic bank server that supports digital resources based on the second resource value and the account information of the digital resource carried in the QR code, the second resource value can be deducted from the account, the second resource value can be converted into the first resource value, and the first resource value can be transferred to the overseas account of the overseas merchant terminal, so that the digital resource can be used for consumption at overseas merchants. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] In order to more clearly illustrate the implementation methods in the embodiments of the present application or the related technologies, the following is a brief introduction to the drawings required for use in the embodiments or the related technology descriptions. Obviously, the drawings described below are some embodiments of the present application, and a person skilled in the art can also obtain other drawings based on these drawings.

[0045] Figure 1 A schematic diagram of the structure of an overseas consumption settlement system provided for some embodiments of the present application;

[0046] Figure 2 A schematic diagram of a process of overseas consumption settlement provided for some embodiments of the present application;

[0047] Figure 3 A schematic diagram of another process of overseas consumption settlement provided for some embodiments of the present application;

[0048] Figure 4 A schematic diagram of another process of overseas consumption settlement provided for some embodiments of the present application;

[0049] Figure 5 A schematic diagram of the structure of an overseas consumption settlement device provided for some embodiments of the present application;

[0050] Figure 6 A schematic diagram of the structure of another overseas consumption settlement device provided for some embodiments of the present application;

[0051] Figure 7 A schematic diagram of the structure of an electronic device provided for some embodiments of the present application. DETAILED DESCRIPTION

[0052] In order to make the purpose, technical solutions and advantages of this application clearer, this application will be further described in detail below in conjunction with the accompanying drawings. Obviously, the embodiments described in this application are only part of the embodiments of this application, rather than all the embodiments. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application.

[0053] It should be noted that the brief description of terms in this application is only for the convenience of understanding the embodiments described below, and is not intended to limit the embodiments of this application. Unless otherwise specified, these terms should be understood according to their common and usual meanings.

[0054] The terms "first", "second", "third", etc. in the specification and claims of this application and the above drawings are used to distinguish similar or similar objects or entities, and do not necessarily mean to limit a specific order or sequence, unless otherwise noted. It should be understood that the terms used in this way can be interchangeable under appropriate circumstances.

[0055] The terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover but not exclude inclusion, for example, a product or device comprising a list of components is not necessarily limited to all the components expressly listed but may include other components not expressly listed or inherent to such product or device.

[0056] The term "module" refers to any known or later developed hardware, software, firmware, artificial intelligence, fuzzy logic or combination of hardware and / or software code that is capable of performing the functions associated with that element.

[0057] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit it. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

[0058] In order to enable digital resources to be used for consumption overseas, the present application provides an overseas consumption settlement system, method, apparatus, device and medium.

[0059] In an embodiment of the present application, the overseas consumption settlement system includes: a client terminal, an overseas merchant terminal and a domestic bank server, the client terminal is used to display a QR code for paying for digital resources; the overseas merchant terminal is used to identify the QR code displayed on the client terminal, and determine and display the second resource value of the digital resource corresponding to the first resource value based on the first resource value of other electronic resources input; if the input confirmation information is received, a deduction request is initiated to any domestic bank server that supports the digital resource based on the second resource value and the account information of the digital resource carried in the QR code; the domestic bank server is used to deduct the second resource value from the account according to the deduction request, convert the second resource value into the first resource value, and transfer the first resource value to the overseas account of the overseas merchant terminal.

[0060] All implementation methods of the embodiments of this application comply with the relevant provisions of national laws and regulations regarding the acquisition, storage, use, and processing of data.

[0061] Embodiment 1:

[0062] Figure 1 A schematic diagram of the structure of an overseas consumption settlement system provided for some embodiments of the present application, such as Figure 1 As shown, the system includes:

[0063] A client terminal, used to display a QR code for paying for digital resources;

[0064] The overseas merchant terminal is used to identify the QR code displayed on the client terminal, determine and display the second resource value of the digital resource corresponding to the first resource value of the other electronic resource inputted, and if the input confirmation information is received, initiate a deduction request to any domestic bank server that supports the digital resource according to the second resource value and the account information of the digital resource carried in the QR code;

[0065] The domestic bank server is used to deduct the second resource value from the account according to the deduction request, convert the second resource value into the first resource value, and transfer the first resource value to the overseas account of the overseas merchant terminal.

[0066] An embodiment of the present application provides an overseas consumption settlement system, which includes a domestic bank server, a client terminal and an overseas merchant terminal.

[0067] In order to enable digital resources, namely digital RMB, to be used for consumption at overseas merchants, in an embodiment of the present application, the client terminal can display a pre-generated QR code for paying for digital resources when making a payment. The QR code carries account information, specifically the identification information of the account, which is the account of the digital resource.

[0068] Digital resources are legal tender in digital form issued by specific banks and can be used for consumption at domestic merchants. However, since each place overseas has its own corresponding local currency, that is, other electronic resources, and can only be consumed in overseas places with its own electronic resources. For example: South Korea's local currency is the won, and you can use the won for consumption in South Korea. Therefore, digital resources cannot be freely used for consumption at overseas merchants.

[0069] The overseas merchant terminal may be a POS terminal of an overseas merchant, etc., which is used to identify the QR code for paying digital resources displayed on the customer terminal. If the QR code is determined to be a digital resource payment code, the second resource value of the digital resource corresponding to the first resource value is determined and displayed based on the first resource value of the other electronic resource input, so that the customer can confirm whether the second resource value is correct. If the overseas merchant terminal receives the confirmation information input by the customer, it will initiate a deduction request to any domestic bank server that supports digital resources based on the second resource value of the digital resource and the identification information of the account carried in the identified QR code.

[0070] If any domestic bank server receives a deduction request, it can determine the account of the identification information based on the account identification information, the second resource value and the overseas account information carried in the deduction request, and deduct the digital resource of the second resource value from the account. Then, through currency trading, the second resource value of the digital resource is exchanged for the first resource value of other electronic resources, and the first resource value is transferred to the overseas account corresponding to the overseas account information.

[0071] Specifically, an application (Application, APP) with digital resources can be pre-installed on the client terminal. The APP is the official service platform for customers of China's legal digital currency, the digital RMB, and provides services for the opening and management of digital RMB personal wallets, and the exchange and circulation of digital RMB. The APP can store pre-set digital RMB account information, that is, the account information of digital resources. The account information may include account identification information, that is, information such as the account number that uniquely identifies the personal wallet. The domestic bank to which the account belongs can also be determined based on the account identification information.

[0072] The client terminal can use the APP to determine the domestic bank to which the account with the identification information belongs based on the identification information of the account contained in the account information, and initiate a request message for a digital resource payment code to the domestic bank server of the domestic bank. After receiving the request message for a digital resource payment code, the domestic bank server generates a digital resource payment code containing the identification information of the account based on the identification information of the account carried in the request message. The digital resource payment code is presented in the form of a QR code and returned to the APP of the client terminal. Based on this, the client terminal can select and display the QR code corresponding to the identification information of the account in the APP interface.

[0073] The overseas merchant terminal can determine whether the QR code is a digital resource payment code based on whether the account identification information contained in the identified QR code is the identification information of the digital resource account. Among them, other electronic resources can be resources issued by overseas banks, specifically foreign currencies used by overseas merchants.

[0074] Specifically, the conversion rate of other electronic resources and digital resources can be the exchange rate of other electronic resources and digital resources. Although the conversion rates are consistent between domestic and foreign countries, when converting digital resources to other electronic resources later, due to the different exchange resource values ​​to be paid, such as the different handling fees to be paid, the conversion rates corresponding to domestic banks and foreign banks are slightly different. In addition, because in the embodiment of the present application, the conversion of digital resources to other electronic resources is carried out through a domestic bank server, the foreign merchant terminal can initiate a query to obtain the conversion rate from the domestic bank server through the foreign bank server to which it is connected, wherein the foreign bank server can be a server of a foreign bank to which the foreign account used by the foreign merchant terminal for receiving payment belongs.

[0075] After receiving the query information, the domestic bank server obtains the conversion rate corresponding to other electronic resources and digital resources from the money market based on the information of other electronic resources and digital resources carried in the query information, and returns it to the overseas bank server. The overseas bank server then sends the conversion rate to the overseas merchant terminal, and the overseas merchant terminal calculates and determines the second resource value of the digital resource corresponding to the first resource value of the other electronic resource based on the conversion rate. The overseas merchant terminal can also generate a payment order based on the calculated second resource value of the digital resource, and display the second resource value of the digital resource included in the payment order for the customer to check and confirm whether the second resource value is correct.

[0076] If the overseas merchant terminal receives the confirmation information input by the customer, it can initiate a deduction request to any domestic bank server that supports digital resources based on the second resource value of the digital resource and the account information carried in the identified QR code. The deduction request may carry the account information of the digital resource, the second resource value, and the overseas account information used for receiving the payment, wherein the account information is the identification information of the account that can be paid, and the second resource value is the amount to be paid; wherein the overseas account information includes the identification information of the overseas account, and the overseas bank to which the overseas account belongs can also be determined based on the identification information.

[0077] In a possible implementation, the domestic bank server can also determine the overseas bank server deployed by the overseas bank to which the overseas account belongs based on the identification information of the overseas account contained in the overseas account information, determine the interbank current account between the overseas bank server and the domestic bank server, and transfer the first resource value of the other electronic resources that have been exchanged into the interbank current account, wherein the interbank current account is a pre-set settlement account of a domestic bank or an overseas bank, which can be set in an overseas bank or a domestic bank. Specifically, after the domestic bank server transfers the first resource value into the interbank current account, it can send a prompt message to the overseas bank server. After receiving the prompt message, the overseas bank server can deduct the first resource value from the pre-set internal account for advance payment based on the first resource value carried in the prompt message and the overseas account information for collection, and transfer the first resource value to the overseas account corresponding to the overseas account information. Wherein the internal account for advance payment is the account of the overseas bank itself, the first resource value of the interbank transaction can be deducted from the advance payment account first and the first resource value can be transferred to the overseas account for collection, and the flow information of the resource value can be recorded. The overseas merchant terminal can determine whether the overseas account has received the first resource value by polling the overseas bank server for payment results. After confirming receipt of the first resource value, the overseas merchant terminal can display a prompt message indicating successful payment. The overseas bank server can summarize the netting funds according to a preset time period, such as 24 hours, deduct the summarized funds from the interbank current account of the overseas bank and the domestic bank, fill it into the internal account for advance payment, and register the consumption flow.

[0078] In the embodiment of the present application, by binding overseas consumption and digital resource consumption into a transaction, the use of digital resources can be used for consumption overseas. By combining digital resource consumption and currency trading, the second resource value corresponding to the digital resource actually paid by the customer and the first resource value converted into other electronic resources in real time are displayed to the customer in real time when the digital resource is consumed overseas. The other electronic resources converted by the digital resource are delayed until the end of the day and the refund is netted and recorded, and the online transaction reduces the complexity and shortens the response time. And it does not bring burden to overseas banks and domestic banks. There is no need to provide the information of overseas merchants to domestic banks, there is no need to seek the consent of overseas merchants, and there is no need to open digital resource accounts for overseas merchants in domestic banks for collection, which reduces the workload of bank business personnel and reduces the complexity of the system. There is no burden on overseas merchants, and real-time collection and recording can be made for overseas merchants. Overseas merchants do not need to convert digital resources into other electronic resources by themselves, which reduces the difficulty of overseas merchants in collecting digital resources. Overseas merchants can directly query, refund and reconcile through overseas bank servers. By combining the existing system functions of domestic bank servers and overseas bank servers, digital resources can be consumed overseas, reducing the difficulty of system transformation.

[0079] In an embodiment of the present application, the overseas merchant terminal identifies and determines the QR code of the digital resource for payment displayed on the customer terminal, determines and displays the second resource value of the digital resource corresponding to the first resource value based on the first resource value of other electronic resources input, for the user to check and confirm; if the input confirmation information is received, a deduction request can be initiated to any domestic bank server that supports digital resources based on the second resource value and the account information of the digital resource carried in the QR code, the second resource value can be deducted from the account, the second resource value can be converted into the first resource value, and the first resource value can be transferred to the overseas account of the overseas merchant terminal, so that the digital resource can be used for consumption at overseas merchants.

[0080] Embodiment 2:

[0081] In order to improve the timeliness of digital resources used for consumption abroad and reduce the response time of digital resources for payment abroad, based on the above embodiments, in the embodiments of the present application, the domestic bank server is also used to send a prompt message of successful deduction to the customer terminal after deducting the second resource value from the account according to the deduction request.

[0082] In order to reduce the response time of digital resource payment abroad, the domestic bank server can send a prompt message of successful deduction to the customer terminal after deducting the second resource value of the digital resource from the account information carried in the deduction request.

[0083] In a possible implementation, the overseas bank server can open an account for the overseas bank server to receive digital resources, i.e., a digital resource merchant, on the domestic bank server. Based on this, after deducting the second resource value, the domestic bank server can transfer the second resource value to the digital resource merchant of the overseas bank server and send a prompt message of successful deduction to the client terminal.

[0084] In an embodiment of the present application, after the domestic bank server deducts the second resource value according to the deduction request, it can send a prompt message of successful deduction to the customer terminal, thereby improving the timeliness of digital resources used for consumption abroad and reducing the response time of digital resources for payment abroad.

[0085] Embodiment 3:

[0086] In order to increase the flexibility of using digital resources for consumption overseas, on the basis of the above embodiments, in the embodiment of the present application, the domestic bank server is also used to determine the target domestic bank to which the account belongs based on the deduction request; if the target domestic bank is the bank to which the domestic bank server belongs, the second resource value is deducted from the account, the second resource value is converted into the first resource value, and the first resource value is transferred to the overseas account.

[0087] Since the deduction request received by the domestic bank server may carry the account information of the digital resource, the account information is the account information that can be used for payment. Therefore, the domestic bank server that receives the deduction request can determine the target domestic bank to which the account of the identification information belongs based on the identification information of the account contained in the account information carried in the deduction request. If the target domestic bank is the bank to which the domestic bank server that receives the deduction request belongs, the domestic bank server can directly determine the account of the identification information based on the identification information of the account contained in the account information, the second resource value and the overseas account information, and deduct the second resource value of the digital resource from the account. Then, the second resource value of the digital resource is exchanged for the first resource value of other electronic resources through currency trading, and the first resource value is transferred to the overseas account corresponding to the overseas account information carried in the deduction request.

[0088] In an embodiment of the present application, if the domestic bank server that receives the deduction request determines that the target domestic bank to which the account corresponding to the account information carried in the deduction request belongs is its own bank, it can directly deduct the account.

[0089] Embodiment 4:

[0090] In order to further improve the flexibility of digital resources for consumption abroad, on the basis of the above embodiments, in the embodiment of the present application, the domestic bank server is further used to send the deduction request to the target server of the target domestic bank if it is determined that the target domestic bank is not a bank to which the domestic bank belongs;

[0091] The target server is configured to receive the deduction request, deduct the second resource value from the account according to the deduction request, and transfer the second resource value to a domestic bank account of a domestic bank server;

[0092] The domestic bank server is also used to send a prompt message of successful deduction to the customer terminal after determining that the domestic bank account receives the second resource value, convert the second resource value into the first resource value, and transfer the first resource value to the overseas account of the overseas merchant terminal.

[0093] The domestic bank server that receives the deduction request can determine the target domestic bank to which the account with the identification information belongs based on the account identification information included in the account information carried in the deduction request. If the target domestic bank is not the bank to which the domestic bank server that receives the deduction request belongs, the deduction request is sent to the target server of the target domestic bank.

[0094] The target server receives the deduction request, determines the account of the identification information based on the account identification information, the second resource value and the overseas account information contained in the account information carried in the deduction request, deducts the second resource value of the digital resource from the account, and transfers the second resource value to the domestic bank account of the domestic bank server that sent the deduction request.

[0095] After the domestic bank server determines that its domestic bank account has received the second resource value, it can send a prompt message to the client terminal indicating that the deduction is successful. Then, the second resource value of the digital resource is exchanged for the first resource value of other electronic resources through currency trading, and the first resource value is transferred to the overseas account corresponding to the overseas account information carried in the deduction request.

[0096] In an embodiment of the present application, if the domestic bank server that receives the deduction request determines that the target domestic bank to which the account corresponding to the account information carried in the deduction request belongs is not its own domestic bank, it can forward the deduction request to the target server of the target domestic bank, so that the target server deducts the account and transfers the deducted second resource value to the domestic bank account of the domestic bank server that sent the deduction request, further improving the flexibility of digital resources in consumption at overseas merchants.

[0097] The following is a specific example to illustrate the entire process of overseas consumption settlement in the embodiment of the present application.

[0098] Figure 2 A schematic diagram of a process of overseas consumption settlement provided in some embodiments of the present application. Figure 2 As shown, the process includes the following steps:

[0099] S201: The client terminal applies for a QR code from a domestic bank server.

[0100] The client terminal can use the APP to determine the domestic bank to which the account with the identification information belongs based on the account identification information contained in the account information, and initiate a request for a digital resource payment code to the domestic bank server of the domestic bank. The digital resource payment code is presented in the form of a QR code.

[0101] S202: The domestic bank server generates a QR code and returns it to the customer terminal.

[0102] After receiving the request information for applying for a digital resource payment code, the domestic bank server generates a digital resource payment code containing the account identification information based on the account identification information carried in the request information, and returns it to the APP of the customer terminal.

[0103] S203: The client terminal displays the QR code.

[0104] The client terminal can select and display the QR code corresponding to the account identification information in the APP interface.

[0105] S204: The overseas merchant terminal identifies the QR code displayed by the customer terminal.

[0106] The overseas merchant terminal can determine whether the QR code is a digital resource payment code based on whether the identification information of the account contained in the identified QR code is the identification information of the digital resource account.

[0107] S205: The overseas merchant terminal uses the overseas bank server to obtain the conversion rate of other electronic resources and digital resources from the domestic bank server.

[0108] If it is determined that the QR code is a digital resource payment code, the overseas merchant terminal can initiate a query to obtain the conversion rate from the domestic bank server through the overseas bank server to which it is connected, where the overseas bank server can be the server of the overseas bank to which the overseas account used by the overseas merchant terminal for receiving payments belongs. After receiving the query information, the domestic bank server obtains the conversion rate corresponding to other electronic resources and digital resources from the money market based on the information of other electronic resources and digital resources carried in the query information, and returns it to the overseas bank server. The overseas bank server then sends the conversion rate to the overseas merchant terminal.

[0109] S206: The overseas merchant terminal determines the second resource value corresponding to the first resource value according to the acquired conversion rate, generates an order to be paid, and displays it.

[0110] The overseas merchant terminal calculates and determines the second resource value of the digital resource corresponding to the first resource value of the other electronic resource based on the conversion rate. The overseas merchant terminal can also generate a payment order based on the calculated second resource value of the digital resource, and display the second resource value of the digital resource included in the payment order for the customer to check whether the second resource value is correct.

[0111] S207: The overseas merchant terminal uses the overseas bank server to initiate a digital resource deduction request to the domestic bank server.

[0112] If the overseas merchant terminal receives the confirmation information input by the customer, it can use the overseas bank server to initiate a deduction request to any domestic bank server that supports digital resources based on the second resource value of the digital resource and the account information carried in the recognized QR code. Specifically, for example, a message for initiating a deduction request can be sent to the overseas bank server to which the overseas merchant's overseas account for receiving payment belongs, so that the overseas bank server initiates a deduction request to any domestic bank server that supports digital resources based on the received message.

[0113] S208: The domestic bank server determines whether the target bank to which the account carried in the deduction request belongs is the domestic bank based on the received deduction request; if so, execute S209a; if not, execute S209b.

[0114] Since the deduction request received by the domestic bank server may carry the account information of the digital resource, the account information is the account information that can be used for payment. Therefore, the domestic bank server that receives the deduction request can determine the target domestic bank to which the account with the identification information belongs based on the account identification information contained in the account information carried in the deduction request.

[0115] S209a: The domestic bank server deducts the funds according to the deduction request and executes S210.

[0116] If the target domestic bank is the bank to which the domestic bank server that receives the deduction request belongs, the domestic bank server can directly determine the account of the identification information based on the account identification information, the second resource value and the overseas account information contained in the account information, and deduct the second resource value of the digital resource from the account.

[0117] S209b: The domestic bank server forwards the deduction request to the target server of the target bank and executes S209b-1.

[0118] If the target domestic bank is not the bank to which the domestic bank server that receives the deduction request belongs, the deduction request is sent to the target server of the target domestic bank.

[0119] S209b-1: The target server receives the deduction request, deducts money according to the deduction request, and executes S209b-2.

[0120] The target server receives the deduction request, determines the account of the identification information according to the account identification information, the second resource value and the overseas account information contained in the account information carried in the deduction request, and deducts the second resource value of the digital resource from the account.

[0121] S209b-2: After deducting the money, the target bank server transfers the second resource value to the domestic bank account of the domestic bank server and executes S210.

[0122] After deducting the second resource value of the digital resource from the account, the target bank server transfers the second resource value to the domestic bank account of the domestic bank server that sent the deduction request.

[0123] S210: The domestic bank server transfers the second resource value to the digital resource merchant.

[0124] The overseas bank server can open an account for the overseas bank server to receive digital resources, namely, a digital resource merchant, on the domestic bank server. Based on this, the domestic bank server can transfer the second gold resource value to the digital resource merchant of the overseas bank server.

[0125] S211: The domestic bank server sends a prompt message indicating successful deduction to the customer terminal.

[0126] After the domestic bank server transfers the second gold resource value to the digital resource merchant of the overseas bank server, it can send a prompt message of successful deduction to the customer terminal.

[0127] S212: The client terminal receives and displays a prompt message indicating that the deduction is successful.

[0128] S213: The domestic bank server converts the second resource value into the first resource value.

[0129] The domestic bank server can exchange the second resource value of the digital resource into the first resource value of other electronic resources through currency trading.

[0130] S214: The domestic bank server transfers the first resource value obtained by exchange into the interbank current account.

[0131] The domestic bank server can also determine the overseas bank server deployed by the overseas bank to which the overseas account belongs based on the identification information of the overseas account contained in the overseas account information, determine the interbank current account between the overseas bank server and the domestic bank server, and transfer the first resource value of the other electronic resources that have been exchanged into the interbank current account, wherein the interbank current account is a pre-set settlement account of a domestic bank or an overseas bank, which can be set in an overseas bank or a domestic bank. After transferring the first resource value into the interbank current account, the domestic bank server can send a prompt message to the overseas bank server.

[0132] S215: The overseas bank server deducts the first resource value from the advance payment account and transfers it to the overseas account.

[0133] After receiving the prompt information, the overseas bank server can deduct the first resource value from the pre-set internal account for advance payment based on the first resource value carried in the prompt information and the overseas account information used for receiving payment, and transfer the first resource value to the overseas account corresponding to the overseas account information.

[0134] S216: The overseas merchant terminal polls the overseas bank server for payment results.

[0135] Determine whether the overseas account has received the first resource value, and the overseas merchant terminal may display prompt information indicating successful payment after confirming receipt of the first resource value.

[0136] S217: At the end of the day, the overseas bank server summarizes the netting funds, deducts the summarized funds from the interbank current account, and fills them into the internal account for advance payment.

[0137] The overseas bank server can summarize the netting funds according to a preset time period, such as 24 hours, deduct the summarized funds from the interbank current accounts of the overseas banks and domestic banks, fill them into the internal account for advance payment, and register the consumption flow.

[0138] Embodiment 5:

[0139] In order to enable Digital People to be used for consumption at overseas merchants, based on the above embodiments, the embodiments of the present application also provide an overseas consumption settlement method.

[0140] Figure 3 Another process diagram of overseas consumption settlement provided for some embodiments of the present application. As shown in the figure, the process includes the following steps:

[0141] S301: Identify the QR code displayed on the client terminal, and determine and display the second resource value of the digital resource corresponding to the first resource value of other electronic resources inputted.

[0142] S302: If the input confirmation information is received, a deduction request is initiated to any domestic bank server that supports the digital resource based on the second resource value and the account information of the digital resource carried in the QR code, so that the domestic bank server deducts the second resource value from the account according to the deduction request, converts the second resource value into the first resource value, and transfers the first resource value to the overseas account of the overseas merchant terminal.

[0143] An overseas consumption settlement method provided in an embodiment of the present application is applied to overseas merchant terminals.

[0144] Embodiment 6:

[0145] In order to enable Digital People to be used for consumption at overseas merchants, based on the above embodiments, the embodiments of the present application also provide an overseas consumption settlement method.

[0146] Figure 4 Another process diagram of overseas consumption settlement provided for some embodiments of the present application. As shown in the figure, the process includes the following steps:

[0147] S401: Receive a deduction request sent by an overseas client terminal, wherein the deduction request is generated when the overseas client terminal recognizes a QR code displayed on the client terminal, determines and displays a second resource value of a digital resource corresponding to a first resource value of other electronic resources inputted, and if confirmation information is received, initiates a deduction request to a domestic bank server according to the second resource value and the account information of the digital resource carried in the QR code.

[0148] S402: According to the deduction request, deduct the second resource value from the account, convert the second resource value into a first resource value, and transfer the first resource value to an overseas account of the overseas merchant terminal.

[0149] In a possible implementation manner, after deducting the second resource value from the account according to the deduction request, the method further includes:

[0150] Send a prompt message indicating successful deduction to the customer terminal.

[0151] In a possible implementation manner, before deducting the second resource value from the account according to the deduction request, the method further includes:

[0152] Determine the target domestic bank to which the account belongs based on the deduction request;

[0153] If the target domestic bank is the bank to which the domestic bank server belongs, a subsequent operation of deducting the second resource value from the account is performed according to the deduction request.

[0154] In a possible implementation, the method further includes:

[0155] If it is determined that the target domestic bank is not a bank to which the domestic bank server belongs, sending the deduction request to the target server of the target domestic bank;

[0156] receiving a second resource value transferred by the target server to a domestic bank account, wherein the second resource value is transferred by the target server after deducting the second resource value from the account according to the deduction request;

[0157] After determining that the domestic bank account receives the second resource value, a prompt message indicating that the deduction is successful is sent to the client terminal.

[0158] An overseas consumption settlement method provided in an embodiment of the present application is applied to a domestic bank server.

[0159] Embodiment 7:

[0160] Based on the same technical concept, in addition to the technologies of the above embodiments, the embodiment of the present application also provides an overseas consumption settlement device. Figure 5 A schematic diagram of the structure of an overseas consumption settlement device provided in some embodiments of the present application. Figure 5 As shown, the device comprises:

[0161] The identification and display module 501 is used to identify the QR code displayed on the client terminal, and determine and display the second resource value of the digital resource corresponding to the first resource value of the other electronic resource inputted;

[0162] The deduction receiving module 502 is used to initiate a deduction request to any domestic bank server that supports the digital resource based on the second resource value and the account information of the digital resource carried in the QR code if the input confirmation information is received, so that the domestic bank server deducts the second resource value from the account according to the deduction request, converts the second resource value into the first resource value, and transfers the first resource value to the overseas account of the overseas merchant terminal.

[0163] The device provided in the embodiment of the present application can be deployed in an overseas merchant terminal.

[0164] Embodiment 7:

[0165] Based on the same technical concept, in addition to the technologies of the above embodiments, the embodiment of the present application also provides an overseas consumption settlement device. Figure 6 A schematic diagram of another overseas consumption settlement device provided in some embodiments of the present application. Figure 6 As shown, the device comprises:

[0166] The receiving module 601 is used to receive a deduction request sent by an overseas client terminal, wherein the deduction request is that the overseas client terminal identifies the QR code displayed on the client terminal, determines and displays the second resource value of the digital resource corresponding to the first resource value of other electronic resources inputted, and if the input confirmation information is received, initiates the deduction request to the domestic bank server according to the second resource value and the account information of the digital resource carried in the QR code;

[0167] The deduction module 602 is used to deduct the second resource value from the account according to the deduction request, convert the second resource value into the first resource value, and transfer the first resource value to the overseas account of the overseas merchant terminal.

[0168] In a possible implementation, the device further includes:

[0169] The prompt module is used to send a prompt message indicating successful deduction to the customer terminal.

[0170] In a possible implementation, the device further includes:

[0171] A determination module is used to determine the target domestic bank to which the account belongs according to the deduction request; if the target domestic bank is the bank to which the domestic bank server belongs, the deduction module is enabled to perform a subsequent operation of deducting the second resource value from the account according to the deduction request.

[0172] In a possible implementation manner, the determination module is further configured to send the deduction request to a target server of the target domestic bank if it is determined that the target domestic bank is not a bank to which the domestic bank server belongs;

[0173] The device also includes:

[0174] The payment collection module is used to receive the second resource value transferred from the target server to the domestic bank account, wherein the second resource value is transferred by the target server after deducting the second resource value from the account according to the deduction request; after determining that the domestic bank account receives the second resource value, the prompt module sends a prompt message of successful deduction to the client terminal.

[0175] The device provided in the embodiment of the present application can be deployed on a domestic bank server.

[0176] Embodiment 8:

[0177] Based on the same technical concept, on the basis of the above embodiments, in the embodiments of the present application, an electronic device is further provided. Figure 7A schematic diagram of an electronic device structure is provided for some embodiments of the present application, such as Figure 7 As shown, it includes: a processor 71, a communication interface 72, a memory 73 and a communication bus 74, wherein the processor 71, the communication interface 72, and the memory 73 communicate with each other through the communication bus 74;

[0178] The memory 73 stores a computer program. When the program is executed by the processor 71, the processor 71 performs the following steps:

[0179] Identify the QR code displayed on the client terminal, and determine and display the second resource value of the digital resource corresponding to the first resource value of other electronic resources inputted; if the input confirmation information is received, initiate a deduction request to any domestic bank server that supports the digital resource based on the second resource value and the account information of the digital resource carried in the QR code, so that the domestic bank server deducts the second resource value from the account according to the deduction request, converts the second resource value into the first resource value, and transfers the first resource value to the overseas account of the overseas merchant terminal.

[0180] In a possible implementation manner, the processor 71 is further configured to:

[0181] Receiving a deduction request sent by an overseas client terminal, wherein the deduction request is that the overseas client terminal identifies a QR code displayed on the client terminal, determines and displays a second resource value of a digital resource corresponding to the first resource value of other electronic resources inputted, and if confirmation information inputted is received, initiates a request to a domestic bank server according to the second resource value and the account information of the digital resource carried in the QR code;

[0182] According to the deduction request, the second resource value is deducted from the account, the second resource value is converted into the first resource value, and the first resource value is transferred to the overseas account of the overseas merchant terminal.

[0183] In a possible implementation manner, the processor 71 is further configured to:

[0184] Send a prompt message indicating successful deduction to the customer terminal.

[0185] In a possible implementation manner, the processor 71 is further configured to:

[0186] Determine the target domestic bank to which the account belongs based on the deduction request;

[0187] If the target domestic bank is the bank to which the domestic bank server belongs, a subsequent operation of deducting the second resource value from the account is performed according to the deduction request.

[0188] In a possible implementation manner, the processor 71 is further configured to:

[0189] If it is determined that the target domestic bank is not a bank to which the domestic bank server belongs, sending the deduction request to the target server of the target domestic bank;

[0190] receiving a second resource value transferred by the target server to a domestic bank account, wherein the second resource value is transferred by the target server after deducting the second resource value from the account according to the deduction request;

[0191] After determining that the domestic bank account receives the second resource value, a prompt message indicating that the deduction is successful is sent to the client terminal.

[0192] Since the principle of solving the problem by the above electronic device is similar to that of the overseas consumption settlement method, the implementation of the above electronic device can refer to the embodiment of the overseas consumption settlement method, and the repeated parts will not be repeated.

[0193] The communication bus mentioned in the above electronic device can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. The communication bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, only one thick line is used in the figure, but it does not mean that there is only one bus or one type of bus. The communication interface 72 is used for communication between the above electronic device and other devices. The memory can include a random access memory (RAM) and can also include a non-volatile memory (NVM), such as at least one disk storage. Optionally, the memory can also be at least one storage device located away from the aforementioned processor.

[0194] The above-mentioned processor can be a general-purpose processor, including a central processing unit, a network processor (Network Processor, NP), etc.; it can also be a digital signal processing processor (Digital Signal Processing, DSP), an application-specific integrated circuit, a field programmable gate array or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component, etc.

[0195] Embodiment 9:

[0196] Based on the same technical concept, on the basis of the above embodiments, the embodiment of the present application further provides a computer-readable storage medium, in which a computer program executable by a processor is stored. When the program runs on the processor, the processor implements the following steps when executing:

[0197] Identify the QR code displayed on the client terminal, and determine and display the second resource value of the digital resource corresponding to the first resource value of other electronic resources inputted; if the input confirmation information is received, initiate a deduction request to any domestic bank server that supports the digital resource based on the second resource value and the account information of the digital resource carried in the QR code, so that the domestic bank server deducts the second resource value from the account according to the deduction request, converts the second resource value into the first resource value, and transfers the first resource value to the overseas account of the overseas merchant terminal.

[0198] In one possible implementation, the method includes:

[0199] Receiving a deduction request sent by an overseas client terminal, wherein the deduction request is that the overseas client terminal identifies a QR code displayed on the client terminal, determines and displays a second resource value of a digital resource corresponding to the first resource value of other electronic resources inputted, and if confirmation information inputted is received, initiates a request to a domestic bank server according to the second resource value and the account information of the digital resource carried in the QR code;

[0200] According to the deduction request, the second resource value is deducted from the account, the second resource value is converted into the first resource value, and the first resource value is transferred to the overseas account of the overseas merchant terminal.

[0201] In a possible implementation manner, after deducting the second resource value from the account according to the deduction request, the method further includes:

[0202] Send a prompt message indicating successful deduction to the customer terminal.

[0203] In a possible implementation manner, before deducting the second resource value from the account according to the deduction request, the method further includes:

[0204] Determine the target domestic bank to which the account belongs based on the deduction request;

[0205] If the target domestic bank is the bank to which the domestic bank server belongs, a subsequent operation of deducting the second resource value from the account is performed according to the deduction request.

[0206] In a possible implementation, the method further includes:

[0207] If it is determined that the target domestic bank is not a bank to which the domestic bank server belongs, sending the deduction request to the target server of the target domestic bank;

[0208] receiving a second resource value transferred by the target server to a domestic bank account, wherein the second resource value is transferred by the target server after deducting the second resource value from the account according to the deduction request;

[0209] After determining that the domestic bank account receives the second resource value, a prompt message indicating that the deduction is successful is sent to the client terminal.

[0210] Since the principle of solving the problem by the above-mentioned computer-readable storage medium is similar to that of the overseas consumption settlement method, the implementation of the above-mentioned computer-readable storage medium can refer to the embodiment of the overseas consumption settlement method, and the repeated parts will not be repeated.

[0211] Embodiment 10:

[0212] Based on the same technical concept, on the basis of the above embodiments, the embodiments of the present application also provide a computer program product, which, when executed by a computer, implements the overseas consumption settlement method described in any of the above method embodiments applied to electronic devices.

[0213] In the above embodiments, all or part of the embodiments may be implemented by software, hardware, firmware or any combination thereof, and all or part of the embodiments may be implemented in the form of a computer program product. The computer program product includes one or more computer instructions, and when the computer instructions are loaded and executed on a computer, all or part of the processes or functions described in the embodiments of the present application are generated.

[0214] In an embodiment of the present application, the overseas merchant terminal identifies and determines the QR code of the digital resource for payment displayed on the customer terminal, determines and displays the second resource value of the digital resource corresponding to the first resource value based on the first resource value of other electronic resources input, for the user to check and confirm; if the input confirmation information is received, a deduction request can be initiated to any domestic bank server that supports digital resources based on the second resource value and the account information of the digital resource carried in the QR code, the second resource value can be deducted from the account, the second resource value can be converted into the first resource value, and the first resource value can be transferred to the overseas account of the overseas merchant terminal, so that the digital resource can be used for consumption at overseas merchants.

[0215] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0216] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0217] These computer program instructions may also be stored in a computer readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0218] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0219] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. An overseas consumption settlement system, characterized in that: The system comprises: A client terminal, used to display a QR code for paying for digital resources; The overseas merchant terminal is used to identify the QR code displayed on the client terminal, determine and display the second resource value of the digital resource corresponding to the first resource value of the other electronic resource inputted, and if the input confirmation information is received, initiate a deduction request to any domestic bank server that supports the digital resource according to the second resource value and the account information of the digital resource carried in the QR code; The domestic bank server is used to deduct the second resource value from the account according to the deduction request, convert the second resource value into the first resource value, and transfer the first resource value to the overseas account of the overseas merchant terminal.

2. The system according to claim 1, characterized in that The domestic bank server is further configured to send a prompt message indicating successful deduction to the client terminal after deducting the second resource value from the account according to the deduction request.

3. The system according to claim 1, characterized in that The domestic bank server is also used to determine the target domestic bank to which the account belongs based on the deduction request; if the target domestic bank is the bank to which the domestic bank server belongs, the second resource value is deducted from the account, the second resource value is converted into the first resource value, and the first resource value is transferred to the overseas account.

4. The system according to claim 1, characterized in that The domestic bank server is further configured to send the deduction request to a target server of the target domestic bank if it is determined that the target domestic bank is not a bank to which the domestic bank server belongs; The target server is configured to receive the deduction request, deduct the second resource value from the account according to the deduction request, and transfer the second resource value to a domestic bank account of the domestic bank server; The domestic bank server is also used to send a prompt message of successful deduction to the customer terminal after determining that the domestic bank account receives the second resource value, convert the second resource value into the first resource value, and transfer the first resource value to the overseas account of the overseas merchant terminal.

5. A method for overseas consumption settlement, characterized in that: The method comprises: Identify the QR code displayed on the client terminal, and determine and display the second resource value of the digital resource corresponding to the first resource value of other electronic resources inputted; if the input confirmation information is received, initiate a deduction request to any domestic bank server that supports the digital resource based on the second resource value and the account information of the digital resource carried in the QR code, so that the domestic bank server deducts the second resource value from the account according to the deduction request, converts the second resource value into the first resource value, and transfers the first resource value to the overseas account of the overseas merchant terminal.

6. A method for overseas consumption settlement, characterized in that: The method comprises: Receiving a deduction request sent by an overseas client terminal, wherein the deduction request is that the overseas client terminal identifies a QR code displayed on the client terminal, determines and displays a second resource value of a digital resource corresponding to the first resource value of other electronic resources inputted, and if confirmation information inputted is received, initiates a request to a domestic bank server according to the second resource value and the account information of the digital resource carried in the QR code; According to the deduction request, the second resource value is deducted from the account, the second resource value is converted into the first resource value, and the first resource value is transferred to the overseas account of the overseas merchant terminal.

7. The method according to claim 6, characterized in that After deducting the second resource value from the account according to the deduction request, the method further includes: Send a prompt message indicating successful deduction to the customer terminal.

8. The method according to claim 6, characterized in that Before deducting the second resource value from the account according to the deduction request, the method further includes: Determine the target domestic bank to which the account belongs based on the deduction request; If the target domestic bank is the bank to which the domestic bank server belongs, a subsequent operation of deducting the second resource value from the account is performed according to the deduction request.

9. The method according to claim 8, characterized in that The method further comprises If it is determined that the target domestic bank is not a bank to which the domestic bank server belongs, sending the deduction request to the target server of the target domestic bank; receiving a second resource value transferred by the target server to a domestic bank account, wherein the second resource value is transferred by the target server after deducting the second resource value from the account according to the deduction request; After determining that the domestic bank account receives the second resource value, a prompt message indicating that the deduction is successful is sent to the client terminal.

10. An overseas consumption settlement device, characterized in that: The device comprises: An identification and display module, used to identify the QR code displayed on the client terminal, and determine and display the second resource value of the digital resource corresponding to the first resource value according to the first resource value of the other electronic resource input; A deduction receiving module is used to initiate a deduction request to any domestic bank server that supports the digital resource based on the second resource value and the account information of the digital resource carried in the QR code if the input confirmation information is received, so that the domestic bank server deducts the second resource value from the account according to the deduction request, converts the second resource value into the first resource value, and transfers the first resource value to the overseas account of the overseas merchant terminal.

11. An overseas consumption settlement device, characterized in that: The device comprises: A receiving module, configured to receive a deduction request sent by an overseas client terminal, wherein the deduction request is a request made by the overseas client terminal to identify a QR code displayed on the client terminal, determine a second resource value of a digital resource corresponding to the first resource value of other electronic resources input, and display the second resource value; if confirmation information input is received, initiate a request to a domestic bank server according to the second resource value and the account information of the digital resource carried in the QR code; A deduction module is used to deduct the second resource value from the account according to the deduction request, convert the second resource value into the first resource value, and transfer the first resource value to the overseas account of the overseas merchant terminal.

12. The device according to claim 11, characterized in that The device also includes: The prompt module is used to send a prompt message indicating successful deduction to the customer terminal.

13. The device according to claim 11, characterized in that The device also includes: A determination module is used to determine the target domestic bank to which the account belongs according to the deduction request; if the target domestic bank is the bank to which the domestic bank server belongs, the deduction module is enabled to perform a subsequent operation of deducting the second resource value from the account according to the deduction request.

14. The device according to claim 13, characterized in that The determination module is further configured to send the deduction request to a target server of the target domestic bank if it is determined that the target domestic bank is not a bank to which the domestic bank server belongs; The device also includes: a payment collection module, which is used to receive the second resource value transferred from the target server to the domestic bank account, wherein the second resource value is transferred by the target server after deducting the second resource value from the account according to the deduction request; after determining that the domestic bank account receives the second resource value, the prompt module sends a prompt message of successful deduction to the client terminal.

15. An electronic device, characterized in that: The electronic device comprises a processor, and the processor is used to implement the steps of any one of the methods as claimed in claims 5-9 when executing a computer program stored in a memory.

16. A computer-readable storage medium, characterized in that: It stores a computer program, which, when executed by a processor, implements the steps of the method according to any one of claims 5 to 9.

17. A computer program product, characterized in that The computer program product comprises: a computer program code, and when the computer program code is run on a computer, the computer is caused to execute the steps of the method according to any one of claims 5 to 9.

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