Payment network connection method, device and system and payment processing method and system

Abstract

The invention discloses a payment network connection method, device and system and a payment processing method and system.The payment network connection method is executed by an information management server side and comprises the steps that a payment network connection request of an electronic wallet is received, and the request carries a first identification code of a target payment account and an identifier of a second payment network; generating a second identification code according to the first identification code, wherein the second identification code can be identified by a second payment network; returning the second identification code to the electronic wallet, so that the electronic wallet uses the second identification code in the second payment network; and when a second identification code of the second payment network is received, payment verification is performed on the second identification code, and payment is completed in the first payment network based on a payment verification result. According to the method and the device, the first identification code of the payment account can be obtained and converted, the second identification code which can be identified by the second payment network is generated, original account information does not need to be transmitted to the outside, and convenience and safety of cross-payment network payment are improved.

Description

Technical Field

[0001] The present application relates to the field of payment technology, and in particular to a payment network connection method, device, system, and a payment processing method and system. Background Art

[0002] In China, barcode payment is the mainstream payment method. In Europe and other regions, Near Field Communication (NFC) payment is used by many merchants. The cost of transforming the existing payment network is unacceptable, and it is difficult for users to get used to using another uncommon payment method in a short period of time. There is still a lot of room for improvement in the convenience of cross-border payment.

[0003] Moreover, in cross-border payment scenarios, users usually need to provide personal information to complete payments, but the transmission and use of such information requires a high level of security while also taking into account the real-time nature of payments, which further limits the convenience of cross-border payments.

[0004] It should be noted that the statements herein merely provide background information related to the present invention and do not necessarily constitute prior art. Summary of the invention

[0005] The embodiments of the present application provide a payment network connection method, device, system and a payment processing method and system to improve the convenience and security of cross-border payments.

[0006] The present application embodiment adopts the following technical solutions:

[0007] In a first aspect, an embodiment of the present application provides a payment network connection method, which is executed by an information management server, wherein the payment network connection method includes:

[0008] receiving a payment network connection request from an electronic wallet, the payment network connection request carrying a first identification code of a target payment account and an identifier of a second payment network; a target payment institution corresponding to the target payment account is in the first payment network;

[0009] generating a second identification code of the target payment account according to the first identification code of the target payment account, wherein the second identification code of the target payment account can be recognized by a second payment network;

[0010] returning the second identification code of the target payment account to the electronic wallet, so that the electronic wallet uses the second identification code of the target payment account in the second payment network;

[0011] When the second identification code from the second payment network is received, payment verification is performed on the received second identification code, and payment is completed in the first payment network based on the payment verification result.

[0012] Optionally, the information management server pre-stores a first correspondence between original information of each payment account and the first identification code; the method further includes:

[0013] Performing a first verification to verify whether each of the first corresponding relationships contains the first identification code of the target payment account;

[0014] If the first verification passes, determining the original information of the target payment account according to the first corresponding relationship, and generating a connectivity verification request corresponding to the original information of the target payment account;

[0015] Sending the connectivity verification request to a target payment institution corresponding to the target payment account for a second verification;

[0016] If the second verification passes, a step of generating a second identification code of the target payment account according to the first identification code of the target payment account is executed.

[0017] Optionally, the method further comprises:

[0018] Receiving a first identification code generation request from a payment institution, wherein the first identification code generation request carries original information of a target payment account;

[0019] A first identification code of the target payment account is generated and returned to the payment institution, and a first corresponding relationship between the original information of the target payment account and the first identification code is stored.

[0020] Optionally, the method further comprises:

[0021] Identifying a target payment institution corresponding to the first identification code of the target payment account;

[0022] Sending the first identification code of the target payment account to the target payment institution for third verification;

[0023] If the third verification passes, a step of generating a second identification code of the target payment account according to the first identification code of the target payment account is executed.

[0024] Optionally, generating the second identification code of the target payment account according to the first identification code of the target payment account includes:

[0025] The second identification code of the target payment account is directly generated based on the first identification code of the target payment account; or, the original information of the target payment account corresponding to the first identification code of the target payment account is first determined, and then the second identification code of the target payment account is generated based on the original information of the target payment account.

[0026] Optionally, the method further comprises:

[0027] Storing a second correspondence between the second identification code of each payment account and the original information;

[0028] The performing payment verification on the received second identification code includes:

[0029] Verifying whether each of the second corresponding relationships contains the received second identification code;

[0030] The completing payment in the first payment network based on the verification result includes:

[0031] In a case where the verification result includes original information corresponding to the received second identification code, payment is completed in the first payment network based on the original information in the verification result.

[0032] In a second aspect, an embodiment of the present application further provides a payment network connection device, which is applied to an information management service end, and the payment network connection device includes:

[0033] a first receiving unit, configured to receive a payment network connection request from an electronic wallet, wherein the payment network connection request carries a first identification code of a target payment account and an identifier of a second payment network; and a target payment institution corresponding to the target payment account is in the first payment network;

[0034] a first generating unit, configured to generate a second identification code of the target payment account according to the first identification code of the target payment account, wherein the second identification code of the target payment account can be recognized by a second payment network;

[0035] a first returning unit, configured to return the second identification code of the target payment account to the electronic wallet, so that the electronic wallet uses the second identification code of the target payment account in the second payment network;

[0036] The first payment verification unit is used to perform payment verification on the received second identification code when receiving the second identification code from the second payment network, and complete payment in the first payment network based on the payment verification result.

[0037] In a third aspect, an embodiment of the present application further provides a payment network connection system, wherein the payment network connection system includes an information management service end and an electronic wallet,

[0038] The information management server is used to execute any of the aforementioned payment network connection methods;

[0039] The electronic wallet is used to initiate a payment network connection request, and receive and store the second identification code of the target payment account returned by the information management server.

[0040] Optionally, the electronic money includes an electronic wallet client and an electronic wallet server, and the payment network connection system also includes a payment institution.

[0041] The electronic wallet client is used to obtain the payment institution information selected by the user, and request the first identification code of the target payment account from the corresponding payment institution according to the payment institution information; and is used to generate a payment network connection request according to the first identification code of the target payment account, send it to the electronic wallet server, and receive the second identification code of the target payment account returned by the electronic wallet server;

[0042] The electronic wallet server is used to receive the payment network connection request sent by the electronic wallet client and send the payment network connection request to the information management server, and to receive the second identification code of the target payment account returned by the information management server and return the second identification code of the target payment account to the electronic wallet client for storage.

[0043] Optionally, the payment institution includes a payment institution client and a payment institution server;

[0044] The electronic wallet client is used to call the corresponding payment institution client to request the first identification code of the target payment account;

[0045] The payment institution client is used to generate a first identification code generation request and send the first identification code generation request to the payment institution server, receive the first identification code of the target payment account returned by the payment institution server; and provide the first identification code of the target payment account to the electronic wallet client;

[0046] The payment institution server is used to receive a first identification code generation request sent by the payment institution client and send the first identification code generation request to the information management server, and to receive the first identification code of the target payment account returned by the information management server and return the first identification code of the target payment account to the payment institution client.

[0047] In a fourth aspect, an embodiment of the present application further provides a payment processing method, which is executed by a clearing agency server under a first payment network, wherein the payment processing method includes:

[0048] receiving a first transaction request sent by a second payment network, wherein the first transaction request carries a second identification code of a target payment account;

[0049] Sending the first transaction request to the information management server, so that the information management server performs payment verification on the first transaction request and returns a payment verification result, wherein the payment verification result includes original information of the target payment account;

[0050] Sending a second transaction request to a target payment institution corresponding to the target payment account according to the original information of the target payment account, so that the target payment institution completes the payment in the first payment network based on the original information of the target payment account;

[0051] The second identification code of the target payment account is obtained based on any of the aforementioned payment network connection methods.

[0052] In a fifth aspect, an embodiment of the present application further provides a payment processing device, which is applied to a clearing agency server under a first payment network, wherein the payment processing device includes:

[0053] A second receiving unit, configured to receive a first transaction request sent by a second payment network, wherein the first transaction request carries a second identification code of a target payment account;

[0054] a first sending unit, configured to send the first transaction request to an information management server, so that the information management server performs payment verification on the first transaction request and returns a payment verification result, wherein the payment verification result includes original information of a target payment account;

[0055] a second sending unit, configured to send a second transaction request to a target payment institution corresponding to the target payment account according to the original information of the target payment account, so that the target payment institution completes the payment in the first payment network based on the original information of the target payment account;

[0056] The second identification code of the target payment account is converted based on any of the aforementioned payment network connection methods.

[0057] In a sixth aspect, an embodiment of the present application further provides a payment processing method, which is executed by an information management server, wherein the payment processing method includes:

[0058] Receiving a first transaction request sent by a clearing agency server under a first payment network, wherein the first transaction request carries a second identification code of a target payment account;

[0059] Performing payment verification on the second identification code of the target payment account to obtain a payment verification result, wherein the payment verification result includes original information of the target payment account;

[0060] Returning the payment verification result to the clearing agency service end under the first payment network, so that the clearing agency service end under the first payment network sends a second transaction request to the target payment agency corresponding to the target payment account based on the original information of the target payment account, and enables the target payment agency to complete the payment in the first payment network based on the original information of the target payment account;

[0061] The second identification code of the target payment account is converted based on any of the aforementioned payment network connection methods.

[0062] In a seventh aspect, an embodiment of the present application further provides a payment processing device, which is applied to an information management server, wherein the payment processing device includes:

[0063] A third receiving unit is used to receive a first transaction request sent by a clearing agency server under the first payment network, wherein the first transaction request carries a second identification code of a target payment account;

[0064] a second payment verification unit, configured to perform payment verification on the second identification code of the target payment account to obtain a payment verification result, wherein the payment verification result includes original information of the target payment account;

[0065] A second returning unit, configured to return the payment verification result to the clearing agency service end under the first payment network, so that the clearing agency service end under the first payment network sends a second transaction request to a target payment agency corresponding to the target payment account based on the original information of the target payment account, and enables the target payment agency to complete the payment in the first payment network based on the original information of the target payment account;

[0066] The second identification code of the target payment account is converted based on any of the aforementioned payment network connection methods.

[0067] In an eighth aspect, an embodiment of the present application further provides a payment processing system, wherein the payment processing system comprises a clearing agency service end and an information management service end under a first payment network,

[0068] The clearing agency service end under the first payment network is used to execute the payment processing method of the fourth aspect;

[0069] The information management server is used to execute the payment processing method of the sixth aspect mentioned above.

[0070] Optionally, the payment processing system further includes an electronic wallet and a payment institution, the electronic wallet includes an electronic wallet client and an electronic wallet server, the payment institution includes a payment institution server,

[0071] The electronic wallet client is used to initiate a first transaction request and receive a payment verification result returned by the electronic wallet server;

[0072] The electronic wallet server is used to receive the payment verification result returned by the clearing agency server under the first payment network and return the payment processing result to the electronic wallet client;

[0073] The payment institution server is used to receive a second transaction request sent by a clearing institution server under the first payment network, perform payment verification on the second transaction request and return the payment verification result to the clearing institution server under the first payment network.

[0074] In a ninth aspect, an embodiment of the present application further provides an electronic device, including:

[0075] Processor; and

[0076] A memory arranged to store computer executable instructions, which, when executed, cause the processor to perform any of the aforementioned payment network connection methods, or the aforementioned payment processing method of the fourth aspect, or the aforementioned payment processing method of the sixth aspect.

[0077] In the tenth aspect, an embodiment of the present application also provides a computer-readable storage medium, which stores one or more programs. When the one or more programs are executed by an electronic device including multiple applications, the electronic device executes any of the aforementioned payment network connection methods, or the aforementioned payment processing method of the fourth aspect, or the aforementioned payment processing method of the sixth aspect.

[0078] At least one of the above technical solutions adopted in the embodiment of the present application can achieve the following beneficial effects: the payment network connection method of the embodiment of the present application is executed by the information management service end, first receiving the payment network connection request of the electronic wallet, the payment network connection request carries the first identification code of the target payment account, and carries the identification of the second payment network; the target payment institution corresponding to the target payment account is in the first payment network; then the second identification code of the target payment account is generated according to the first identification code of the target payment account, and the second identification code of the target payment account can be recognized by the second payment network; then the second identification code of the target payment account is returned to the electronic wallet, so that the electronic wallet uses the second identification code of the target payment account in the second payment network; finally, when the second identification code from the second payment network is received, the received second identification code is verified for payment, and the payment is completed in the first payment network based on the payment verification result. The payment network connection method of the embodiment of the present application can obtain the first identification code of the user's payment account and perform secondary conversion in the scenario where the user has cross-border payment needs, and generate a second identification code that can be recognized by the overseas payment network, without the need to transmit the original account information to the outside, which greatly improves the convenience and security of users in cross-payment network payment scenarios such as cross-border payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0079] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0080] Figure 1 A schematic diagram of a payment network connection method in an embodiment of the present application;

[0081] Figure 2 This is a schematic diagram of a generation process of a first identification code in an embodiment of the present application;

[0082] Figure 3 This is a schematic diagram of the structure of a payment network connection device in an embodiment of the present application;

[0083] Figure 4 This is a schematic diagram of the architecture of a payment network connection system in an embodiment of the present application;

[0084] Figure 5 A schematic diagram of a payment network connection process implemented under a payment network connection system architecture in an embodiment of the present application;

[0085] Figure 6 A schematic diagram of a payment network connection process implemented under another payment network connection system architecture in an embodiment of the present application;

[0086] Figure 7A schematic diagram of a payment processing method in an embodiment of the present application;

[0087] Figure 8 This is a schematic diagram of the structure of a payment processing device in an embodiment of the present application;

[0088] Fig. 9 A flowchart of another payment processing method in an embodiment of the present application;

[0089] Fig.10 This is a schematic diagram of the structure of another payment processing device in an embodiment of the present application;

[0090] Fig.11 This is a schematic diagram of the architecture of a payment processing system in an embodiment of the present application;

[0091] Fig.12 A schematic diagram of a payment processing flow implemented under a payment processing system architecture in an embodiment of the present application;

[0092] Fig.13 It is a schematic diagram of the structure of an electronic device in an embodiment of the present application. DETAILED DESCRIPTION

[0093] In order to make the purpose, technical solution and advantages of the present application clearer, the technical solution of the present application will be clearly and completely described below in combination with the specific embodiments of the present application and the corresponding drawings. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of the present application.

[0094] The technical solutions provided by various embodiments of the present application are described in detail below in conjunction with the accompanying drawings.

[0095] The present application embodiment provides a payment network connection method, which is executed by an information management server, such as Figure 1 As shown, a flow chart of a payment network connection method in an embodiment of the present application is provided, and the payment network connection method at least includes the following steps S110 to S140:

[0096] Step S110, receiving a payment network connection request from an electronic wallet, wherein the payment network connection request carries a first identification code of a target payment account and an identifier of a second payment network; a target payment institution corresponding to the target payment account is in the first payment network.

[0097] In the embodiments of the present application, the electronic wallet can be a terminal system-level wallet such as Apple Pay and Huawei Wallet, or an application (APP)-level wallet such as Meituan Wallet. The operating entity of the electronic wallet is different from the operating entity of the payment institution, so the electronic wallet does not have the original information of the payment account, but obtains the first identification code of the payment account as a substitute.

[0098] The payment network connection method of the embodiment of the present application can be executed by a separately deployed information management server. For ease of understanding, the embodiment of the present application predefines the "first payment network" and the "second payment network". In some embodiments, the "first payment network" can be understood as the acceptance network where the payment institution corresponding to the user's payment account is located. For example, the Alipay account used by Chinese users is a payment account, and the corresponding Alipay is the payment institution. An example of payment based on the first payment network is as follows:

[0099] 1) The merchant acceptance terminal scans the payment code (such as Alipay payment code) presented by the user and sends the transaction information including payment account information to the acquiring institution;

[0100] 2) The acquiring institution sends the transaction information to the clearing institution;

[0101] 3) The clearing agency sends the transaction information to the Alipay server;

[0102] 4) The Alipay server completes the payment based on the payment account information in the transaction information.

[0103] It can be understood that the above example only shows the simplified process of the payer completing the deduction, but it is sufficient to illustrate that payment is achieved by relying on the identification and transmission of payment account information. The payment account information is not necessarily the original information, but needs to be uniquely corresponding to the payment account.

[0104] The "second payment network" can be understood as any other payment network that is different from the first payment network where the target payment institution is located. In the scenario of the embodiment of the present application, it mainly refers to overseas payment networks.

[0105] Due to differences in information flow, processing logic, payment logic, etc. under different payment networks, when domestic users make purchases at overseas merchants, overseas merchants cannot directly identify the user's payment information in the domestic payment account. Therefore, there is a need to exchange account information between different payment networks.

[0106] Based on this, the embodiment of the present application needs to first receive the payment network connection request of the electronic wallet. The reason why the payment network connection request is initiated by the electronic wallet is mainly because many merchants in foreign countries, especially in Europe, use NFC payment. The principle is simply that the user outputs the payment account information through the NFC module of the electronic terminal such as the mobile phone, so that the merchant's NFC equipment can read it to complete the subsequent payment process. Since some domestic payment institution APPs cannot directly call the NFC module, and the system-level electronic wallet APP can usually call the NFC module, the payment network connection request needs to be initiated by the electronic wallet in some embodiments.

[0107] The payment network connection request of the embodiment of the present application can be understood as a request to establish a payment information conversion channel between the first payment network and the second payment network. The payment network connection request needs to carry the first identification code of the target payment account under the first payment network and the identifier of the second payment network. Here, although providing the original information of the target payment account is relatively convenient, it should be noted that the operating entity of the electronic wallet may not be the same as the operating entity of the payment institution. In this case, providing the original information of the payment account to the electronic wallet may be risky. The first identification code of the target payment account can be obtained in advance based on the payment encryption processing technology, thereby avoiding the risk of leakage of the original information of the target payment account and improving the security of cross-border payments.

[0108] Step S120: generating a second identification code of the target payment account according to the first identification code of the target payment account, wherein the second identification code of the target payment account can be recognized by a second payment network.

[0109] Based on the first identification code of the target payment account that can be used under the first payment network, it is necessary to further convert the first identification code of the target payment account in combination with the encoding rules of the second payment network that the user wants to connect to, and generate a second identification code that can be used under the second payment network. The generation rules and specific forms of the second identification code can be flexibly defined according to the scenario requirements of different second payment networks, and are not specifically limited here.

[0110] Step S130: returning the second identification code of the target payment account to the electronic wallet, so that the electronic wallet uses the second identification code of the target payment account in the second payment network.

[0111] After generating the second identification code of the target payment account that can be recognized by the second payment network, the second identification code of the target payment account can be returned to the electronic wallet, and the electronic wallet stores the second identification code of the target payment account. Therefore, when you want to enter the second payment network to conduct transactions in the future, you can directly use the second identification code of the target payment account that can be recognized by the second payment network stored in the electronic wallet to realize payment.

[0112] Taking the NFC payment mentioned above as an example, the e-wallet APP can store the second identification code in the SE (Secure Element) of the mobile phone. When making payments abroad, the second identification code can be output by calling the NFC module so that the overseas merchant terminal can recognize it and transmit it in the second payment network.

[0113] Step S140: When receiving the second identification code from the second payment network, performing payment verification on the received second identification code, and completing payment in the first payment network based on the payment verification result.

[0114] In the above process, the information management service end plays the main function of converting the identification code under the first payment network into the identification code under the second payment network, so that the payment account that could only be identified in the first payment network can also be identified in the second payment network, thereby realizing the interconnection and interoperability of the two payment networks, and providing feasibility and convenience for cross-border payment and other scenarios. In the payment stage, the information management service end also plays the function of payment verification, that is, when receiving the second identification code of the second payment network, the payment verification of the currently received second identification code can be performed based on all the second identification codes generated before. For example, it can verify whether the second identification code is a previously generated identification code, and it can also verify the original information of the corresponding payment account, so that the corresponding deduction processing can be carried out according to the original information of the payment account, while ensuring payment security and improving payment efficiency.

[0115] In addition, it can be seen that when making payments across payment networks, the second payment network and the first payment network play different roles in the payment network: the second payment network is used to receive and transmit the second identification code, but because the corresponding payment institution does not directly access the second payment network, it is necessary to use the first payment network to complete the payment (deduct the balance of the payment account) according to the second identification code. Of course, due to the bidirectional nature of payment and the merchant account is usually connected to the second payment network, the second payment network can also complete the payment process in the second payment network (increase the merchant account balance, etc.) according to the payment completion status in the first payment network, which will not be described in detail here.

[0116] The payment network connection method of the embodiment of the present application can obtain the first identification code of the user's payment account and perform a secondary conversion in the scenario where the user has cross-border payment needs, and generate a second identification code that can be recognized by the overseas payment network. There is no need to transmit the original account information to the outside, which greatly improves the convenience and security of users in cross-payment network payment scenarios such as cross-border payments.

[0117] In some embodiments of the present application, the information management server pre-stores a first correspondence between the original information of each payment account and the first identification code; the method also includes: performing a first verification to verify whether each of the first correspondences contains the first identification code of the target payment account; if the first verification passes, determining the original information of the target payment account according to the first correspondence, and generating a connectivity verification request corresponding to the original information of the target payment account; sending the connectivity verification request to the target payment institution corresponding to the target payment account for a second verification; if the second verification passes, executing the step of generating a second identification code of the target payment account according to the first identification code of the target payment account.

[0118] In these embodiments, the information management server stores and maintains a first identification code list, which mainly records the correspondence between the original information of each payment account and the first identification code. The first identification code can be regarded as virtual account information obtained after a conversion process is performed on the original information of the payment account in the first payment network. These correspondences can be pre-generated by the information management server, or sent to the information management server by the generator for storage. How to generate the first identification code of each payment account can be flexibly determined by those skilled in the art based on actual needs and in combination with existing technologies, and no specific limitation is made here.

[0119] Before generating the second identification code of the target payment account according to the first identification code of the target payment account, in order to ensure the security and accuracy of the generation of the second identification code, the first identification code of the target payment account can be verified first. Specifically, it can be verified whether the first identification code exists in the above-mentioned first identification code list. If it exists, the first verification is passed, and the original information of the target payment account corresponding to the first identification code can be further determined based on the correspondence between the first identification code and the original information of the payment account recorded in the first identification code list. If the first verification fails, it means that the first identification code may be forged, and the subsequent operations will not be performed. Alternatively, operations such as alarming and feedback notification to the electronic wallet can be performed.

[0120] Based on the original information of the target payment account corresponding to the above-mentioned first identification code, a connection verification request corresponding to the original information of the target payment account can be further generated. As mentioned above, "connectivity" refers to the connection between the first payment network and the second payment network. The connection verification request can be used to verify whether the payment institution corresponding to the payment account allows the user or enables the user to use the payment account of the payment institution to conduct transactions under the second payment network, or to make the user confirm whether such function needs to be activated, etc. Therefore, it is necessary to send the connection verification request to the target payment institution corresponding to the target payment account for verification. If the target payment institution passes the verification, the subsequent step of generating the second identification code of the target payment account according to the first identification code of the target payment account can be executed.

[0121] After receiving the connectivity verification request, the target payment institution may verify whether the original information of the target payment account is authentic, and may also interact with the user to make him confirm again whether a second identification code needs to be generated, etc.

[0122] In some embodiments of the present application, the method also includes: receiving a first identification code generation request from a payment institution, the first identification code generation request carrying original information of a target payment account; generating and returning a first identification code of the target payment account to the payment institution, and storing a first correspondence between the original information of the target payment account and the first identification code.

[0123] These embodiments show the process of generating the first identification code by the information management server. After the first identification code is generated, it can be stored in the storage medium of the payment institution, or it can be forwarded to the electronic wallet by the payment institution, and the payment institution does not store it.

[0124] To facilitate understanding of the embodiments of the present application, Figure 2 As shown, a schematic diagram of the generation process of a first identification code in an embodiment of the present application is provided. First, a user can send a first identification code generation request to a payment institution server through a payment institution client, and the request needs to carry the original information of the target payment account. Then, the payment institution server verifies the first identification code generation request, for example, it can verify the user's identity information, etc. If the verification is passed, the first identification code generation request is sent to the information management server, and the information management server uses payment encryption processing technology to encrypt the original information of the target payment account, thereby obtaining the first identification code of the target payment account and returning it to the payment institution server. Finally, the payment institution server returns the first identification code of the target payment account to the payment institution client for the user to use in the first payment network or as a basis for the subsequent generation of the second identification code.

[0125] In the above embodiment, the generation process of the first identification code and the subsequent generation of the second identification code can be regarded as two independent processes after decoupling, that is, the first identification code of each payment account is generated in advance, and when there is a need to enter the second payment network later, the first identification code generated in advance is converted into the second identification code. Of course, it should be noted that the above-mentioned first identification code generation process and the second identification code generation process can also be coupled in one process, that is, when there is a need to enter the second payment network, the first identification code is first generated according to the original information of the payment account, and then the second identification code is generated according to the first identification code.

[0126] In some embodiments of the present application, the method also includes: identifying the target payment institution corresponding to the first identification code of the target payment account; sending the first identification code of the target payment account to the target payment institution for a third verification; if the third verification passes, executing the step of generating a second identification code of the target payment account based on the first identification code of the target payment account.

[0127] In the above-mentioned embodiment, the first identification code is generated by the information management server. The advantage is that the request for generating the first identification code comes from the payment institution, and the information management server does not need to perform interactive verification with the payment institution before generating the first identification code.

[0128] The first identification code in the embodiment of the present application can be generated by the payment institution itself. The advantage is that the information management server no longer needs to implement a separate set of first identification code generation logic. However, before generating the second identification code of the target payment account based on the first identification code of the target payment account, the first identification code of the target payment account needs to be sent to the target payment institution for internal verification. The target payment institution verifies based on the first identification code generated previously. If the verification passes, the second identification code can be generated based on the first identification code.

[0129] In some embodiments of the present application, the first identification code is a dual-use code that can be recognized by the first payment network, or the first identification code is a dedicated code that cannot be recognized by the first payment network.

[0130] The first identification code of the embodiment of the present application can be in two forms. One form can be a dual-use code that can be recognized by the first payment network, that is, the first identification code can be used for payment in the first payment network, and the first identification code used by the first payment network can be reused to generate a second identification code for use in the second payment network. The other form is a special code that cannot be recognized by the first payment network, that is, it is specifically used to generate a second identification code that can be recognized by the second payment network. The specific form of the first identification code can be flexibly selected by those skilled in the art according to the actual scenario requirements, and is not specifically limited here.

[0131] In combination with the above embodiments, the dual-use code generally needs to be fixed and stored in a storage medium by the payment institution so that it can be used in payment at any time. The dedicated code can only be forwarded or fixed and stored for a short period of time, as long as it can support the generation of the second identification code.

[0132] In some embodiments of the present application, generating the second identification code of the target payment account based on the first identification code of the target payment account includes: directly generating the second identification code of the target payment account based on the first identification code of the target payment account; or, first determining the original information of the target payment account corresponding to the first identification code of the target payment account, and then generating the second identification code of the target payment account based on the original information of the target payment account.

[0133] In the embodiment of the present application, when generating the second identification code based on the first identification code of the target payment account, it can be achieved in two ways. One way is to directly generate the second identification code that can be recognized by the second payment network based on the first identification code of the target payment account in combination with the payment information identification requirements of the second payment network. Another way is to first determine the original information of the target payment account corresponding to the first identification code based on the first identification code of the target payment account in combination with the first identification code list stored in the information management server, and then generate the second identification code of the target payment account based on the original information of the target payment account. Since the above process is implemented within the first payment network and does not involve the external transmission of the original information, the security of the payment information conversion is guaranteed.

[0134] Another way is to send the first identification code of the target payment account to the second payment network, and an organization or institution under the second payment network with similar functions to the information management service under the first payment network will convert the first identification code into a second identification code and then return it to the information management service. This method involves the external transmission of payment information, but because the first identification code of the target payment account generated under the first payment network is transmitted instead of the original account information, the security of payment information conversion can also be guaranteed.

[0135] In some embodiments of the present application, the method also includes: storing a second correspondence between the second identification code of each payment account and the original information; performing payment verification on the received second identification code includes: verifying whether each of the second correspondences contains the received second identification code; completing payment in the first payment network based on the verification result includes: when the verification result includes the original information corresponding to the received second identification code, completing payment in the first payment network based on the original information in the verification result.

[0136] After obtaining the second identification code of each payment account, the correspondence between the second identification code of each payment account and the original information can be stored. When the second identification code of the target payment account is subsequently received, the currently received second identification code can be verified based on the above correspondence to verify whether the second identification code exists in the correspondence. If so, the verification is successful, and the payment can be completed through the original information of the target payment account corresponding to the second identification code. The security of cross-border payments is ensured through payment verification.

[0137] The present application also provides a payment network connection device 300, which is applied to an information management server, such as Figure 3 As shown, a schematic diagram of the structure of a payment network connection device in an embodiment of the present application is provided, and the payment network connection device 300 includes:

[0138] The first receiving unit 310 is used to receive a payment network connection request from an electronic wallet, wherein the payment network connection request carries a first identification code of a target payment account and an identifier of a second payment network; and a target payment institution corresponding to the target payment account is in the first payment network;

[0139] A first generating unit 320, configured to generate a second identification code of the target payment account according to the first identification code of the target payment account, wherein the second identification code of the target payment account can be recognized by a second payment network;

[0140] A first returning unit 330, configured to return the second identification code of the target payment account to the electronic wallet, so that the electronic wallet uses the second identification code of the target payment account in the second payment network;

[0141] The first payment verification unit 340 is configured to perform payment verification on the received second identification code when receiving the second identification code from the second payment network, and complete payment in the first payment network based on the payment verification result.

[0142] In some embodiments of the present application, the information management server pre-stores a first correspondence between the original information of each payment account and the first identification code; the payment network connectivity device also includes: a first verification unit, used to perform a first verification, to verify whether each of the first correspondences contains the first identification code of the target payment account; a second generation unit, used to determine the original information of the target payment account according to the first correspondence if the first verification passes, and generate a connectivity verification request corresponding to the original information of the target payment account; a second sending unit, used to send the connectivity verification request to the target payment institution corresponding to the target payment account for a second verification; the first generation unit is specifically used to execute the step of generating the second identification code of the target payment account according to the first identification code of the target payment account if the second verification passes.

[0143] In some embodiments of the present application, the device also includes: a fourth receiving unit, used to receive a first identification code generation request from a payment institution, the first identification code generation request carrying the original information of a target payment account; a third generating unit, used to generate and return the first identification code of the target payment account to the payment institution, and store a first correspondence between the original information of the target payment account and the first identification code.

[0144] In some embodiments of the present application, the payment network connectivity device further includes: an identification unit, used to identify the target payment institution corresponding to the first identification code of the target payment account; a third sending unit, used to send the first identification code of the target payment account to the target payment institution for a third verification; and a first generation unit, specifically used to execute the step of generating the second identification code of the target payment account based on the first identification code of the target payment account if the third verification passes.

[0145] In some embodiments of the present application, the first generation unit 320 is specifically used to: directly generate the second identification code of the target payment account based on the first identification code of the target payment account; or first determine the original information of the target payment account corresponding to the first identification code of the target payment account, and then generate the second identification code of the target payment account based on the original information of the target payment account.

[0146] In some embodiments of the present application, the device also includes: a storage unit for storing a second correspondence between the second identification code of each payment account and the original information; the first payment verification unit 340 is specifically used to: verify whether each of the second correspondences contains the received second identification code; when the verification result includes the original information corresponding to the received second identification code, complete the payment in the first payment network based on the original information in the verification result.

[0147] It can be understood that the above-mentioned payment network connectivity device can implement the various steps of the payment network connectivity method performed by the information management server provided in the above-mentioned embodiment. The relevant explanations on the payment network connectivity method are applicable to the payment network connectivity device and will not be repeated here.

[0148] The present application also provides a payment network connection system, such as Figure 4 As shown, a schematic diagram of the architecture of a payment network connectivity system in an embodiment of the present application is provided, wherein the payment network connectivity system includes an information management server and an electronic wallet, wherein the information management server is used to execute any of the aforementioned payment network connectivity methods; and the electronic wallet is used to initiate a payment network connectivity request, and receive and store a second identification code of the target payment account returned by the information management server.

[0149] In some embodiments of the present application, the electronic wallet includes an electronic wallet client and an electronic wallet server, and the payment network connectivity system also includes a payment institution. The electronic wallet client is used to obtain the payment institution information selected by the user, and request a first identification code of a target payment account from the corresponding payment institution according to the payment institution information; and is used to generate a payment network connectivity request according to the first identification code of the target payment account, send it to the electronic wallet server, and receive a second identification code of the target payment account returned by the electronic wallet server; the electronic wallet server is used to receive the payment network connectivity request sent by the electronic wallet client and send the payment network connectivity request to the information management server, and receive the second identification code of the target payment account returned by the information management server and return the second identification code of the target payment account to the electronic wallet client for storage.

[0150] In some embodiments of the present application, the payment institution includes a payment institution client and a payment institution server; the electronic wallet client is used to call the corresponding payment institution client to request the first identification code of the target payment account; the payment institution client is used to generate a first identification code generation request and send the first identification code generation request to the payment institution server, receive the first identification code of the target payment account returned by the payment institution server; and provide the first identification code of the target payment account to the electronic wallet client; the payment institution server is used to receive the first identification code generation request sent by the payment institution client and send the first identification code generation request to the information management server, and receive the first identification code of the target payment account returned by the information management server and return the first identification code of the target payment account to the payment institution client.

[0151] To facilitate the understanding of the above embodiments, Figure 5As shown, a schematic diagram of a payment network connection process implemented under a payment network connection system architecture in an embodiment of the present application is provided, which mainly includes the following steps:

[0152] 1. The user opens the e-wallet client, selects a payment institution, and the e-wallet client jumps to the payment institution client page;

[0153] 2. The user initiates a request to generate a first identification code to the payment institution server based on the original payment account information on the payment institution client;

[0154] 3. The payment institution server verifies the request to generate the first identification code. After verification, it generates the first identification code of the payment account and returns it to the payment institution client;

[0155] 4. The payment institution client returns the first identification code of the payment account to the electronic wallet client;

[0156] 5. The electronic wallet client initiates a payment network connection request to the electronic wallet server according to the first identification code of the payment account;

[0157] 6. The electronic wallet server sends the payment network connection request to the information management server;

[0158] 7. The information management server sends a connection verification request to the payment institution server based on the payment network connection request;

[0159] 8. The payment institution server verifies the connection verification request and feeds back the verification result to the information management server;

[0160] 9. Upon receiving the verification result indicating that the verification is successful, the information management server generates a second identification code based on the first identification code of the payment account and returns the second identification code to the electronic wallet server;

[0161] 10. The electronic wallet server returns the second identification code of the payment account to the electronic wallet client for storage.

[0162] To facilitate the understanding of the above embodiments, Figure 6 As shown, a schematic diagram of a payment network connection process implemented under another payment network connection system architecture in an embodiment of the present application is provided, which mainly includes the following steps:

[0163] 1. The user opens the e-wallet client, selects a payment institution, and the e-wallet client jumps to the payment institution client page;

[0164] 2. The user initiates a request to generate a first identification code to the payment institution server based on the original payment account information on the payment institution client;

[0165] 3. The payment institution server verifies the request for generating the first identification code, and after verification, initiates the request for generating the first identification code to the information management server;

[0166] 4. The information management server generates a first identification code of the payment account based on the payment account information and returns it to the payment institution server. The information management server stores the correspondence between the first identification code of the payment account, the original payment account information, and the electronic wallet;

[0167] 5. The payment institution server returns the first identification code of the payment account to the payment institution client;

[0168] 6. The payment institution client returns the first identification code of the payment account to the electronic wallet client;

[0169] 7. The electronic wallet client stores the first identification code of the payment account, and initiates a payment network connection request to the electronic wallet server based on the first identification code of the payment account;

[0170] 8. The electronic wallet server sends the payment network connection request to the information management server;

[0171] 9. The information management server sends a connection verification request to the payment institution server based on the payment network connection request;

[0172] 10. The payment institution server verifies the connection verification request and feeds back the verification result to the information management server;

[0173] 11. Upon receiving the verification result indicating that the verification is successful, the information management server generates a second identification code based on the first identification code of the payment account and returns the second identification code to the electronic wallet server;

[0174] 12. The electronic wallet server returns the second identification code of the payment account to the electronic wallet client for storage.

[0175] The main difference between the above two payment network connection processes lies in the generation of the first identification code. The former is generated by the information management server, and the latter is generated by the payment institution server. The common point of the two processes is that both initiate a payment information conversion process through the payment institution client, and the e-wallet client initiates a secondary payment information conversion process. Both solve the problem of desensitizing the original payment account information in the cross-border payment scenario and improve the convenience and security of cross-border payment.

[0176] The present application embodiment also provides a payment processing method, which is executed by a clearing agency server under the first payment network, such as Figure 7 As shown, a flow chart of a payment processing method in an embodiment of the present application is provided, and the payment processing method at least includes the following steps S710 to S720:

[0177] Step S710: receiving a first transaction request sent by a second payment network, wherein the first transaction request carries a second identification code of a target payment account.

[0178] The payment processing method of the embodiment of the present application can be executed by the clearing agency server under the first payment network. When making cross-border payments, it is necessary to first receive a first transaction request sent by the second payment network. The first transaction request is triggered based on the user using an electronic wallet to swipe the NFC machine of an overseas merchant. Since the electronic wallet stores the second identification code of the target payment account obtained based on the payment network connection method in the aforementioned embodiment, the NFC machine can read the second identification code of the target payment account stored in the electronic wallet and generate the first transaction request based on it.

[0179] Step S720: Send the first transaction request to the information management server, so that the information management server performs payment verification on the first transaction request and returns a payment verification result, wherein the payment verification result includes original information of the target payment account.

[0180] The first transaction request in the above step is sent to the information management server, so that the information management server can restore the second identification code of the target payment account to restore the original information of the target payment account.

[0181] Step S730, sending a second transaction request to the target payment institution corresponding to the target payment account according to the original information of the target payment account, so that the target payment institution completes the payment in the first payment network based on the original information of the target payment account; wherein the second identification code of the target payment account is obtained based on any of the aforementioned payment network connection methods.

[0182] After obtaining the original information of the target payment account, payment processing can be performed according to the transaction process under the first payment network, that is, a second transaction request is generated according to the original information of the target payment account and sent to the target payment institution corresponding to the target payment account, thereby facilitating the target payment institution to perform payment processing under the first payment network according to the original information of the target payment account.

[0183] The payment processing method of the embodiment of the present application realizes cross-border payment based on the correspondence between the second identification code of the target payment account maintained by the information management server and the original information of the target payment account, which greatly improves the convenience and security of users' cross-border payment.

[0184] The embodiment of the present application also provides a payment processing device 800, which is applied to a clearing agency server under a first payment network, such as Figure 8 As shown, a schematic diagram of the structure of a payment processing device in an embodiment of the present application is provided, and the payment processing device 800 includes:

[0185] A second receiving unit 810 is configured to receive a first transaction request sent by a second payment network, wherein the first transaction request carries a second identification code of a target payment account;

[0186] A first sending unit 820 is used to send the first transaction request to the information management server, so that the information management server performs payment verification on the first transaction request and returns a payment verification result, wherein the payment verification result includes original information of the target payment account;

[0187] The second sending unit 830 is used to send a second transaction request to the target payment institution corresponding to the target payment account according to the original information of the target payment account, so that the target payment institution completes the payment in the first payment network based on the original information of the target payment account; wherein the second identification code of the target payment account is converted based on any of the aforementioned payment network connection methods.

[0188] The present application embodiment also provides another payment processing method, which is executed by the information management server, such as Fig. 9 As shown, a flow chart of another payment processing method in an embodiment of the present application is provided, and the payment processing method at least includes the following steps S910 to S930:

[0189] Step S910: receiving a first transaction request sent by a clearing agency server under a first payment network, wherein the first transaction request carries a second identification code of a target payment account.

[0190] The payment processing method of the embodiment of the present application can be executed by the information management server under the first payment network. When making a cross-border payment, it is necessary to first receive a first transaction request sent by the clearing agency server under the first payment network, and the request specifically carries the second identification code of the target payment account.

[0191] Step S920, performing payment verification on the second identification code of the target payment account to obtain a payment verification result, wherein the payment verification result includes original information of the target payment account.

[0192] Since the information management server generates corresponding second identification codes for different payment accounts during the payment network connectivity stage, during the payment stage, the currently received second identification code can be verified based on the correspondence between the original information of the payment account previously generated and maintained and the second identification code, that is, it is determined whether the currently received second identification code can be found in the above correspondence. If so, the verification is successful, and the original information of the payment account corresponding to the current second identification code can be determined based on the correspondence.

[0193] Step S930, returning the payment verification result to the clearing agency service end under the first payment network, so that the clearing agency service end under the first payment network sends a second transaction request to the target payment agency corresponding to the target payment account based on the original information of the target payment account, and enables the target payment agency to complete the payment in the first payment network based on the original information of the target payment account; wherein, the second identification code of the target payment account is converted based on any of the aforementioned payment network connection methods.

[0194] The final payment verification result of the original information of the payment account obtained in the above steps is returned to the clearing agency server under the first payment network, so that the clearing agency server under the first payment network can send a second transaction request to the corresponding target payment institution according to the original information of the payment account, and enable the target payment institution to complete the payment processing under the first payment network based on the original information in the second transaction request.

[0195] The payment processing method of the embodiment of the present application realizes cross-border payment based on the correspondence between the second identification code of the target payment account maintained by the information management server and the original information of the target payment account, which greatly improves the convenience and security of users' cross-border payment.

[0196] The present application also provides another payment processing device 1000, which is applied to an information management server, such as Fig.10 As shown, a schematic diagram of the structure of another payment processing device in an embodiment of the present application is provided, and the payment processing device 1000 includes:

[0197] The third receiving unit 1010 is configured to receive a first transaction request sent by a clearing agency server under the first payment network, wherein the first transaction request carries a second identification code of a target payment account;

[0198] A second payment verification unit 1020, configured to perform payment verification on the second identification code of the target payment account to obtain a payment verification result, wherein the payment verification result includes original information of the target payment account;

[0199] The second return unit 1030 is used to return the payment verification result to the clearing agency service end under the first payment network, so that the clearing agency service end under the first payment network sends a second transaction request to the target payment agency corresponding to the target payment account based on the original information of the target payment account, and enables the target payment agency to complete the payment in the first payment network based on the original information of the target payment account; wherein, the second identification code of the target payment account is converted based on any of the aforementioned payment network connection methods.

[0200] The present application also provides a payment processing system. Fig.11As shown, a schematic diagram of the architecture of a payment processing system in an embodiment of the present application is provided, wherein the payment processing system includes a clearing agency server and an information management server under a first payment network, wherein the clearing agency server under the first payment network is used to execute a payment processing method in the aforementioned embodiment; and the information management server is used to execute another payment processing method in the aforementioned embodiment.

[0201] In some embodiments of the present application, the payment processing system also includes an electronic wallet and a payment institution, the electronic wallet includes an electronic wallet client and an electronic wallet server, the payment institution includes a payment institution server, the electronic wallet client is used to initiate a first transaction request, and receive a payment verification result returned by the electronic wallet server; the electronic wallet server is used to receive the payment verification result returned by the clearing institution server under the first payment network and return the payment processing result to the electronic wallet client; the payment institution server is used to receive a second transaction request sent by the clearing institution server under the first payment network, and perform payment verification on the second transaction request and return the payment verification result to the clearing institution server under the first payment network.

[0202] To facilitate the understanding of the aforementioned embodiments of the present application, Fig.12 As shown, a schematic diagram of a payment processing flow implemented under a payment processing system architecture in an embodiment of the present application is provided, which mainly includes the following steps:

[0203] 1. The user uses the e-wallet client to swipe the NFC device of the overseas merchant. The NFC device of the overseas merchant obtains the second identification code of the target payment account stored in the e-wallet client, and generates a first transaction request based on the second identification code and sends it to the acquiring institution service end under the second payment network;

[0204] 2. The acquiring institution service end under the second payment network sends the first transaction request to the clearing institution service end under the second payment network;

[0205] 3. The clearing agency service end under the second payment network sends the first transaction request to the clearing agency service end under the first payment network;

[0206] 4. The clearing agency service end under the first payment network sends the first transaction request to the information management service end under the first payment network;

[0207] 5. The information management server performs payment verification. After verification, the original information of the target payment account is returned to the clearing agency server under the first payment network;

[0208] 6. The clearing institution service end under the first payment network sends a second transaction request to the corresponding payment institution service end based on the original information of the target payment account;

[0209] 7. The payment institution server completes the transaction according to the second transaction request and returns a transaction notification to the clearing institution server under the first payment network;

[0210] 8. The clearing agency server under the first payment network returns a transaction notification to the corresponding electronic wallet server;

[0211] 9. The electronic wallet server returns a transaction notification to the corresponding electronic wallet client;

[0212] 10. The clearing agency service end under the first payment network returns a transaction notification to the clearing agency service end under the second payment network;

[0213] 11. The clearing institution service end under the second payment network returns a transaction notification to the acquiring institution service end under the second payment network;

[0214] 12. The acquiring institution’s service end under the second payment network returns the transaction notification to the overseas merchant’s NFC device.

[0215] The above payment processing flow is based on the second identification code of the payment account stored in the electronic wallet client / mobile phone hardware, and realizes the deduction of funds in the payment account corresponding to the second identification code, thereby completing the cross-border payment and improving the convenience and security of the cross-border payment.

[0216] Fig.13 This is a schematic diagram of the structure of an electronic device according to an embodiment of the present application. Fig.13 At the hardware level, the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and a memory. The memory may include a memory, such as a high-speed random access memory (RAM), and may also include a non-volatile memory (non-volatile memory), such as at least one disk storage. Of course, the electronic device may also include hardware required for other services.

[0217] The processor, network interface and memory can be interconnected through an internal bus, which can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Fig.13 Only one bidirectional arrow is used in the diagram, but it does not mean that there is only one bus or one type of bus. The memory is used to store programs. Specifically, the program may include program code, and the program code includes computer operation instructions. The memory may include internal memory and non-volatile memory, and provides instructions and data to the processor. The processor reads the corresponding computer program from the non-volatile memory into the internal memory and then runs it, forming a payment network connection device or a payment processing device at the logical level. The processor executes the program stored in the memory.

[0218] The above application Figure 1 The payment network connection device disclosed in the embodiment shown or Figure 8 The payment processing device or Fig.10The method performed by the payment processing device disclosed in the illustrated embodiment can be applied to a processor or implemented by a processor. The processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method can be completed by an integrated logic circuit of hardware in the processor or an instruction in the form of software. The above processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components. The methods, steps and logic block diagrams disclosed in the embodiments of the present application can be implemented or executed. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc. The steps of the method disclosed in the embodiments of the present application can be directly embodied as a hardware decoding processor for execution, or a combination of hardware and software modules in the decoding processor for execution. The software module can be located in a storage medium mature in the art such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory, or an electrically erasable programmable memory, a register, etc. The storage medium is located in the memory, and the processor reads the information in the memory and completes the steps of the above method in combination with its hardware.

[0219] The electronic device may also perform Figure 1 Payment network connection device or Figure 8 Payment processing device or Fig.10 A method executed by a payment processing device in the Figure 1 The functions of the embodiment shown or the payment processing device are Figure 8 or Fig.10 The functions of the illustrated embodiment will not be described in detail in the embodiments of the present application.

[0220] The present application also provides a computer-readable storage medium, which stores one or more programs, wherein the one or more programs include instructions, which, when executed by an electronic device including multiple application programs, enable the electronic device to execute Figure 1 The method performed by the payment network connectivity device in the embodiment shown, or Figure 8 The method performed by the payment processing device in the embodiment shown, or Fig.10 The method performed by the payment processing device in the illustrated embodiment.

[0221] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented 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.

[0222] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks 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.

[0223] 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 comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operation steps are executed on the computer or other programmable device to produce a computer-implemented process, so that the instructions executed on the computer or other programmable device provide for implementing the process in 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.

[0224] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0225] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0226] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules 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 technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0227] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0228] 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 on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0229] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A payment network connection method, executed by an information management service end, wherein: The payment network connection method includes: receiving a payment network connection request from an electronic wallet, the payment network connection request carrying a first identification code of a target payment account and an identifier of a second payment network; a target payment institution corresponding to the target payment account is in the first payment network; generating a second identification code of the target payment account according to the first identification code of the target payment account, wherein the second identification code of the target payment account can be recognized by a second payment network; returning the second identification code of the target payment account to the electronic wallet, so that the electronic wallet uses the second identification code of the target payment account in the second payment network; When the second identification code from the second payment network is received, payment verification is performed on the received second identification code, and payment is completed in the first payment network based on the payment verification result.

2. The payment network connection method according to claim 1, wherein: The information management server pre-stores a first correspondence between the original information of each payment account and the first identification code; the method further includes: Performing a first verification to verify whether each of the first corresponding relationships contains the first identification code of the target payment account; If the first verification passes, determining the original information of the target payment account according to the first corresponding relationship, and generating a connectivity verification request corresponding to the original information of the target payment account; Sending the connectivity verification request to a target payment institution corresponding to the target payment account for a second verification; If the second verification passes, a step of generating a second identification code of the target payment account according to the first identification code of the target payment account is executed.

3. The payment network connection method according to claim 1, wherein: The method further comprises: Receiving a first identification code generation request from a payment institution, wherein the first identification code generation request carries original information of a target payment account; A first identification code of the target payment account is generated and returned to the payment institution, and a first corresponding relationship between the original information of the target payment account and the first identification code is stored.

4. The payment network connection method according to claim 1, wherein: The method further comprises: Identifying a target payment institution corresponding to the first identification code of the target payment account; Sending the first identification code of the target payment account to the target payment institution for third verification; If the third verification passes, a step of generating a second identification code of the target payment account according to the first identification code of the target payment account is executed.

5. The payment network connection method according to claim 1, wherein: The generating the second identification code of the target payment account according to the first identification code of the target payment account comprises: The second identification code of the target payment account is directly generated based on the first identification code of the target payment account; or, the original information of the target payment account corresponding to the first identification code of the target payment account is first determined, and then the second identification code of the target payment account is generated based on the original information of the target payment account.

6. The payment network connection method according to claim 1, wherein: The method further comprises: Storing a second correspondence between the second identification code of each payment account and the original information; The performing payment verification on the received second identification code includes: Verifying whether each of the second corresponding relationships contains the received second identification code; The completing payment in the first payment network based on the verification result includes: In a case where the verification result includes original information corresponding to the received second identification code, payment is completed in the first payment network based on the original information in the verification result.

7. A payment network connection device, applied to an information management service end, the payment network connection device comprising: a first receiving unit, configured to receive a payment network connection request from an electronic wallet, wherein the payment network connection request carries a first identification code of a target payment account and an identifier of a second payment network; and a target payment institution corresponding to the target payment account is in the first payment network; a first generating unit, configured to generate a second identification code of the target payment account according to the first identification code of the target payment account, wherein the second identification code of the target payment account can be recognized by a second payment network; a first returning unit, configured to return the second identification code of the target payment account to the electronic wallet, so that the electronic wallet uses the second identification code of the target payment account in the second payment network; The first payment verification unit is used to perform payment verification on the received second identification code when receiving the second identification code from the second payment network, and complete payment in the first payment network based on the payment verification result.

8. A payment network connection system, wherein: The payment network connection system includes an information management service end and an electronic wallet. The information management server is used to execute the payment network connection method according to any one of claims 1 to 6; The electronic wallet is used to initiate a payment network connection request, and receive and store the second identification code of the target payment account returned by the information management server.

9. The payment network connection system as claimed in claim 8, wherein: The electronic money includes an electronic wallet client and an electronic wallet server, and the payment network connection system also includes a payment institution. The electronic wallet client is used to obtain the payment institution information selected by the user, and request the first identification code of the target payment account from the corresponding payment institution according to the payment institution information; and is used to generate a payment network connection request according to the first identification code of the target payment account, send it to the electronic wallet server, and receive the second identification code of the target payment account returned by the electronic wallet server; The electronic wallet server is used to receive the payment network connection request sent by the electronic wallet client and send the payment network connection request to the information management server, and to receive the second identification code of the target payment account returned by the information management server and return the second identification code of the target payment account to the electronic wallet client for storage.

10. The payment network connection system according to claim 9, wherein: The payment institution includes a payment institution client and a payment institution server; The electronic wallet client is used to call the corresponding payment institution client to request the first identification code of the target payment account; The payment institution client is used to generate a first identification code generation request and send the first identification code generation request to the payment institution server, receive the first identification code of the target payment account returned by the payment institution server; and provide the first identification code of the target payment account to the electronic wallet client; The payment institution server is used to receive a first identification code generation request sent by the payment institution client and send the first identification code generation request to the information management server, and to receive the first identification code of the target payment account returned by the information management server and return the first identification code of the target payment account to the payment institution client.

11. A payment processing method, executed by a clearing agency server under a first payment network, wherein: The payment processing method includes: receiving a first transaction request sent by a second payment network, wherein the first transaction request carries a second identification code of a target payment account; Sending the first transaction request to the information management server, so that the information management server performs payment verification on the first transaction request and returns a payment verification result, wherein the payment verification result includes original information of the target payment account; Sending a second transaction request to a target payment institution corresponding to the target payment account according to the original information of the target payment account, so that the target payment institution completes the payment in the first payment network based on the original information of the target payment account; Wherein, the second identification code of the target payment account is obtained based on any one of the payment network connection methods of claims 1 to 6.

12. A payment processing device, applied to a clearing agency server under a first payment network, wherein: The payment processing device comprises: A second receiving unit, configured to receive a first transaction request sent by a second payment network, wherein the first transaction request carries a second identification code of a target payment account; a first sending unit, configured to send the first transaction request to an information management server, so that the information management server performs payment verification on the first transaction request and returns a payment verification result, wherein the payment verification result includes original information of a target payment account; a second sending unit, configured to send a second transaction request to a target payment institution corresponding to the target payment account according to the original information of the target payment account, so that the target payment institution completes the payment in the first payment network based on the original information of the target payment account; Wherein, the second identification code of the target payment account is converted based on any one of the payment network connection methods of claims 1 to 6.

13. A payment processing method, executed by an information management server, wherein: The payment processing method includes: Receiving a first transaction request sent by a clearing agency server under a first payment network, wherein the first transaction request carries a second identification code of a target payment account; Performing payment verification on the second identification code of the target payment account to obtain a payment verification result, wherein the payment verification result includes original information of the target payment account; Returning the payment verification result to the clearing agency service end under the first payment network, so that the clearing agency service end under the first payment network sends a second transaction request to the target payment agency corresponding to the target payment account based on the original information of the target payment account, and enables the target payment agency to complete the payment in the first payment network based on the original information of the target payment account; Wherein, the second identification code of the target payment account is converted based on any one of the payment network connection methods of claims 1 to 6.

14. A payment processing device, applied to an information management server, wherein: The payment processing device comprises: A third receiving unit is used to receive a first transaction request sent by a clearing agency server under the first payment network, wherein the first transaction request carries a second identification code of a target payment account; a second payment verification unit, configured to perform payment verification on the second identification code of the target payment account to obtain a payment verification result, wherein the payment verification result includes original information of the target payment account; A second returning unit is used to return the payment verification result to the clearing agency service end under the first payment network, so that the clearing agency service end under the first payment network sends a second transaction request to the target payment agency corresponding to the target payment account based on the original information of the target payment account, and the target payment agency completes the payment in the first payment network based on the original information of the target payment account; Wherein, the second identification code of the target payment account is converted based on any one of the payment network connection methods of claims 1 to 6.

15. A payment processing system, wherein: The payment processing system includes a clearing agency service end and an information management service end under the first payment network, The clearing agency service end under the first payment network is used to execute the payment processing method according to claim 11; The information management server is used to execute the payment processing method described in claim 13.

16. The payment processing system of claim 15, wherein: The payment processing system further includes an electronic wallet and a payment institution, wherein the electronic wallet includes an electronic wallet client and an electronic wallet server, and the payment institution includes a payment institution server. The electronic wallet client is used to initiate a first transaction request and receive a payment verification result returned by the electronic wallet server; The electronic wallet server is used to receive the payment verification result returned by the clearing agency server under the first payment network and return the payment processing result to the electronic wallet client; The payment institution server is used to receive a second transaction request sent by a clearing institution server under the first payment network, perform payment verification on the second transaction request and return the payment verification result to the clearing institution server under the first payment network.

17. An electronic device comprising: processor; as well as A memory arranged to store computer executable instructions, which, when executed, cause the processor to perform the payment network connection method of any one of claims 1 to 6, or the payment processing method of claim 11, or the payment processing method of claim 13.

18. A computer-readable storage medium storing one or more programs, which, when executed by an electronic device including a plurality of application programs, enables the electronic device to execute the payment network connection method of any one of claims 1 to 6, or the payment processing method of claim 11, or the payment processing method of claim 13.

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