Payment method and device, equipment and storage medium

Abstract

The invention discloses a payment method and device, equipment and a storage medium, and relates to the field of electronic payment. The method comprises the following steps: displaying a recharging interface of a first domestic payment account; the recharging interface is used for inputting a recharging amount and a first overseas payment account for payment; in response to a recharging confirmation operation, recharging the first domestic payment account by using the first overseas payment account; displaying that the top-up amount is added to the first domestic payment account; wherein the recharge amount in the first domestic payment account is used for paying a domestic transaction order. The method provides a scheme for domestic quick payment by using an overseas payment account.

Description

Technical Field

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

[0002] As a convenient payment method, e-wallets play an increasingly important role in modern life. They allow users to conduct various financial transactions and payment operations through mobile applications or websites, greatly improving the convenience and efficiency of payment. Users can use e-wallets to realize multiple functions such as online shopping, service recharge, currency exchange and transfer, and can easily complete payments without carrying large amounts of cash or bank cards.

[0003] E-wallet systems are usually closely connected to domestic bank accounts and payment networks, and only support recharging e-wallets using domestic accounts. When using e-wallets, overseas users need to open a bank account in China first, or obtain domestic payment tools through other cumbersome methods, before they can complete recharge and payment operations. This not only increases the cost and time cost of use for overseas users, but may also cause a series of security and compliance issues. This affects the payment experience of overseas users in China and hinders the popularization and application of e-wallets around the world. Summary of the invention

[0004] The embodiments of the present application provide a payment method, device, equipment and storage medium, and provide a solution for using an overseas payment account to make quick payments in China. The technical solution is as follows.

[0005] According to one aspect of the present application, a payment method is provided, the method being executed by a client, the method comprising:

[0006] Displaying a recharge interface for a first domestic payment account; the recharge interface is used to input a recharge amount and a first overseas payment account for payment;

[0007] In response to the recharge confirmation operation, recharge the first domestic payment account using the first overseas payment account;

[0008] Displaying that the first domestic payment account has increased the recharge amount;

[0009] The recharge amount in the first domestic payment account is used to pay for domestic transaction orders.

[0010] According to another aspect of the present application, a payment method is provided, the method being executed by a first server, the method comprising:

[0011] receiving a recharge request sent by a client, wherein the recharge request includes a recharge amount and a first overseas payment account used for payment;

[0012] According to the recharge request, use the first overseas payment account to recharge the first domestic payment account, and increase the recharge amount in the first domestic payment account;

[0013] In response to the order payment request, the domestic transaction order is paid using the recharge amount in the first domestic payment account.

[0014] According to another aspect of the present application, a payment device is provided, the device comprising:

[0015] A display module, used to display a recharge interface of a first domestic payment account; the recharge interface is used to input a recharge amount and a first overseas payment account for payment;

[0016] The display module is used to recharge the first domestic payment account using the first overseas payment account in response to the recharge confirmation operation;

[0017] The display module is used to display that the first domestic payment account has increased the recharge amount;

[0018] The recharge amount in the first domestic payment account is used to pay for domestic transaction orders.

[0019] According to another aspect of the present application, a payment device is provided, the device comprising:

[0020] A receiving module, configured to receive a recharge request sent by a client, wherein the recharge request includes a recharge amount and a first overseas payment account for payment;

[0021] an account module, configured to recharge the first domestic payment account using the first overseas payment account according to the recharge request, and increase the recharge amount in the first domestic payment account;

[0022] The second payment module is used to respond to the order payment request and use the recharge amount in the first domestic payment account to pay the domestic transaction order.

[0023] According to another aspect of the present application, a computer device is provided, comprising: a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by the processor to implement the payment method described above.

[0024] According to another aspect of the present application, a computer-readable storage medium is provided, in which at least one instruction, at least one program, a code set or an instruction set is stored, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by a processor to implement the payment method described above.

[0025] According to another aspect of the embodiments of the present disclosure, a computer program product or a computer program is provided, the computer program product or the computer program including computer instructions, the computer instructions being stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the payment method provided in the above optional implementation.

[0026] The beneficial effects brought by the technical solution provided by the embodiment of the present application include at least:

[0027] A first domestic payment account is provided, and the first domestic payment account supports recharging using an overseas payment account. By recharging the first domestic payment account, the overseas second-category resources in the overseas payment account can be exchanged for the domestic first-category resources in the first domestic payment account. After recharging the resources in the first domestic payment account, the first domestic payment account can be used to pay domestic transaction orders. This simplifies the operation of using overseas accounts to make payments in China, optimizes the payment experience of overseas accounts in China, and promotes the flexibility and convenience of payment circulation. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0029] Figure 1 is a block diagram of a computer system provided by an exemplary embodiment of the present application;

[0030] Figure 2 is a method flow chart of a payment method provided by an exemplary embodiment of the present application;

[0031] Figure 3 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0032] Figure 4 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0033] Figure 5is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0034] Figure 6 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0035] Figure 7 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0036] Figure 8 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0037] Fig. 9 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0038] Fig.10 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0039] Fig.11 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0040] Fig.12 is a method flow chart of a payment method provided by an exemplary embodiment of the present application;

[0041] Fig.13 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0042] Fig.14 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0043] Fig.15 is a method flow chart of a payment method provided by another exemplary embodiment of the present application;

[0044] Fig.16 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0045] Fig.17 is a method flow chart of a payment method provided by another exemplary embodiment of the present application;

[0046] Fig.18 is a method flow chart of a payment method provided by another exemplary embodiment of the present application;

[0047] Fig.19 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0048] Fig. 20 is a method flow chart of a payment method provided by another exemplary embodiment of the present application;

[0049] Fig.21 is a method flow chart of a payment method provided by another exemplary embodiment of the present application;

[0050] Fig. 22 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0051] Fig.23 is a method flow chart of a payment method provided by another exemplary embodiment of the present application;

[0052] Fig.24 is a method flow chart of a payment method provided by another exemplary embodiment of the present application;

[0053] Fig.25 is a method flow chart of a payment method provided by another exemplary embodiment of the present application;

[0054] Fig.26 is a method flow chart of a payment method provided by another exemplary embodiment of the present application;

[0055] Fig. 27 is a schematic diagram of a payment method provided by another exemplary embodiment of the present application;

[0056] Fig.28 is a block diagram of a payment device provided by an exemplary embodiment of the present application;

[0057] Fig.29 is a block diagram of a payment device provided by an exemplary embodiment of the present application;

[0058] Fig.30 is a block diagram of a terminal provided by an exemplary embodiment of the present application. DETAILED DESCRIPTION

[0059] In order to make the objectives, technical solutions and advantages of the present application clearer, the implementation methods of the present application will be further described in detail below with reference to the accompanying drawings.

[0060] Before describing the embodiments of the present application in detail, the concepts involved are explained as follows:

[0061] 1. Domestic payment account: refers to a payment account legally opened within the target geographic area (within the country) and used to store and manage payment resources (e.g., first-category resources) in the target geographic area. Domestic payment accounts are used to record financial transactions and asset status, including but not limited to bank accounts, third-party payment platform accounts, etc. Domestic payment accounts allow various payment activities within the country, such as daily transactions, transfer payments, deposit withdrawals, investment and financial management, etc. For enterprises and individuals, domestic payment accounts are one of the important infrastructures for domestic economic activities, and their security and stability are crucial to the healthy development of the financial market.

[0062] 2. Overseas payment account: refers to a payment account opened outside the target geographical area (overseas) and used to store and manage other types of payment resources (for example, second-category resources) in addition to the first-category payment resources.

[0063] 3. A target application and a first server, which may be referred to as a first server.

[0064] The target application refers to an application installed on the terminal and having a payment function, and the first server refers to a first server that provides services for the target application. The target application is developed by a resource management agency, and the first server is configured by the resource management agency. The resource management agency may be a company, group, bank, pawnshop, financial institution, electronic wallet, electronic account, store, etc. that has resource management authority.

[0065] Any one or more third-party applications can interact with the target application and use the resources in the domestic payment account to make payments or transfer resources by calling the target application.

[0066] For example, the target application is an electronic payment application, the first server is an electronic payment first server, and the third-party application is an e-commerce application. After the user purchases goods in the e-commerce application, the e-commerce application calls the electronic payment application and makes payment through the electronic payment application.

[0067] The target application and the first server belong to the target geographical area. The target application and the first server have the authority to manage resources in the target geographical area and have the function of transferring resources supported by the geographical area. Exemplarily, the target application and the third-party application belong to the same geographical area, and the third-party application can generate domestic transaction orders in the target geographical area and use the domestic payment account of the target application to pay for the domestic transaction orders.

[0068] For example, the first server may be a first server registered in the geographical area, and obtains the authority to manage resources in the geographical area by registration, and the actual location of the first server may be within or outside the geographical area.

[0069] 4. The first server corresponding to the overseas payment account may be referred to as the second server.

[0070] The second server has the authority to manage resources in a certain geographical area outside the target geographical area, and has the function of managing, storing or transferring the resources supported by the geographical area.

[0071] The first server and the second server belong to different geographical areas, and an association relationship can be established between the two to achieve cross-regional resource transfer.

[0072] Figure 1 is a schematic diagram of a computer system provided in an embodiment of the present application, see Figure 2 The implementation environment includes: a terminal 101, a first server 102 and a second server 103, the terminal 101 and the first server 102 and the second server 103 are connected via a network, and the first server 102 and the second server 103 are connected via a network.

[0073] The terminal 101 may be a mobile phone, a computer, a tablet computer, etc., and a target application is installed on the terminal 101. The target application is associated with the first server 102, and the first server 102 provides services for the target application.

[0074] The target application has a payment function, and can transfer resources stored in payment accounts of other accounts to the payment account of the terminal 101, and can also transfer resources stored in the payment account of the terminal 101 to other payment accounts. For example, the target application can be at least one of the following: payment application, financial application, wallet application, instant messaging program, social application, browser application, live broadcast application, video playback program, short video playback program, information program, knowledge program, life program, shopping program, picture sharing program, community program, forum application, office application, game application, etc.

[0075] The first server 102 or the second server 103 may be a first server, or a first server cluster consisting of a plurality of first servers, or a cloud computing first server center, which is not limited in the embodiments of the present application.

[0076] Among them, the first server 102 belongs to the first geographical area, and the second server 103 belongs to the second geographical area. The first server 102 and the second server 103 can interact to realize the resource transfer between the domestic payment account and the overseas payment account.

[0077] Figure 2A flow chart of a payment method provided by an exemplary embodiment of the present application is shown. The method can be executed by a terminal. The method includes the following steps.

[0078] Step 210, displaying the recharge interface of the first domestic payment account; the recharge interface is used to input the recharge amount and the first overseas payment account used for payment.

[0079] Exemplarily, the method is executed by a terminal, or the method is executed by a target application running on the terminal, or the method is executed by a client of the target application running on the terminal. The target application can be any application with a payment function. The embodiment of the present application is described by taking the target application as a social application with a payment function as an example. The first account of the target application can be logged in on the terminal.

[0080] The first domestic payment account is a domestic payment account registered for the first account. The first domestic payment account is a first-category domestic payment account. The first-category domestic payment account supports recharge or withdrawal using overseas payment accounts. Correspondingly, there is a second-category domestic payment account. The second-category domestic payment account only supports recharge or withdrawal using domestic payment accounts.

[0081] It should be noted that the "territory" in the embodiments of the present application refers to the geographical scope under the jurisdiction of a certain organization or group, for example, the target geographical area. The first category of resources circulates within the target geographical area (territory), the resource management authority of the first category of resources belongs to the organization or group, and the target application is authorized to store, transfer, and manage the first category of resources.

[0082] "Overseas" is the opposite of "domestic", and refers to areas outside the jurisdiction of a certain organization or group, for example, geographical areas outside the target geographical area. These geographical areas may belong to other organizations or groups, or may be public areas.

[0083] Based on the above description, a domestic payment account refers to a payment account established in the country and supervised by the financial regulatory authorities of the organization or group in the region. Domestic payment accounts are mainly used for various payment activities in the country, such as shopping, transfers, payment of fees, etc. Since it is strictly supervised by the local jurisdiction, it has higher security and credibility.

[0084] In contrast to "domestic payment accounts", overseas payment accounts refer to payment accounts established overseas and supervised by financial regulatory agencies of other organizations or groups. Overseas payment accounts are mainly used for various payment activities overseas, such as shopping, transferring money, paying fees, etc. Since overseas payment accounts are established overseas, their use in China is restricted. For example, the types of currencies (resource types) used by overseas payment accounts and domestic payment accounts are also different.

[0085] Exemplarily, the first domestic payment account is an electronic wallet account of the first account in the target application. The first overseas payment account may be an overseas bank card account, an overseas credit card account, or an overseas electronic wallet account of the user.

[0086] Exemplarily, the first domestic payment account is used to store the first type of resources, which are resources circulated and used domestically; the first overseas payment account is used to store the second type of resources, which are resources circulated and used overseas; the first type of resources and the second type of resources have a resource exchange rate. The first type of resources can also be called the first currency type, and the second type of resources can also be called the second currency type. The first type of resources and the second type of resources are different types of resources. Among them, the recharge amount refers to the recharge amount corresponding to the first type of resources. Of course, the recharge amount can also refer to the recharge amount corresponding to the second type of resources.

[0087] Optionally, the first domestic payment account is used to store the first type of domestic resources, and the first overseas payment account is used to store the second type of overseas resources; Figure 3 As shown in (1) of FIG. 1 , a recharge interface 301 of a first domestic payment account is displayed, and the recharge interface 301 includes an amount input area 302, a payment details display area 303, and a payment account editing area 304; an operation of inputting a recharge amount in the amount input area 302 is received; and an operation of selecting a first overseas payment account in the payment account editing area 304 is received; and the recharge amount of the first category of resources is displayed in the amount input area 302, such as Figure 3 As shown in (2), the account information of the first overseas payment account is displayed in the account editing area 304, and the payment details are displayed in the payment detail display area 303; wherein the payment details include at least one of the following: a first exchange rate between the first category of resources and the second category of resources, a recharge fee rate, a payment amount corresponding to the recharge amount, a recharge fee, and a total payment amount; the payment amount is determined based on the first exchange rate and the recharge amount; and the total payment amount is the sum of the payment amount and the recharge fee.

[0088] For example, Figure 3 As shown in (1) in FIG. 3 , an operation of inputting 1000 yuan in the amount input area 302 is received, and the recharge amount is displayed as 1000 yuan in the amount input area 302. An operation of inputting a bank card number is received in the payment account editing area 304, and the display is as follows: Figure 3In the pop-up window for selecting the historically bound bank card shown in (2), an operation of selecting the first overseas payment account historically bound is received in the pop-up window for selecting ...

[0089] Exemplarily, the recharge interface of the first domestic payment account may be accessed in a variety of ways.

[0090] In an optional embodiment, the user can enter the list through a recommendation message. Figure 4 As shown in (1) in FIG. 1 , a recommendation message 308 of the first domestic payment account is displayed in the interface of the target application; in response to a triggering operation on the recommendation message 308, such as Figure 4 As shown in (2), the account interface 309 of the first domestic payment account is displayed, and the account interface 309 includes a recharge control 310; in response to the triggering operation of the recharge control 310, the recharge interface of the first domestic payment account is displayed.

[0091] For example, the recommendation message 308 may display the opening guidance text and usage instructions of the first domestic payment account. For example, the opening guidance text may be "No identity information is required, and payment can be made by recharging or binding an overseas payment account", and the usage instructions may be "After recharging or binding a bank card, you can purchase goods or services, and pay for meals and travel expenses". The recommendation message 308 may include an immediate use control, and the immediate use control may display the account interface of the first domestic payment account in response to a trigger operation.

[0092] Optionally, the target application can send a recommendation message to an account that meets the recommendation conditions; the recommendation conditions include at least one of the following: the IP address (Internet Protocol Address) is located overseas; the target application version is an overseas version; the payment function of the target application is not activated; the IP address is located in China; the account belongs to China; the account belongs to a foreign country; the account is bound to a foreign payment account. For example, a recommendation message is sent to an account that uses an overseas version of the target application, has not activated the payment function, and has an IP address in China.

[0093] For example, if the first account has not activated the payment function, the recommendation message can also be used to guide the first account to activate the payment function; the way to activate the payment function can include at least one of the following: recharging the first domestic payment account to activate the first domestic payment account, binding the payment account physical card (bank card). Figure 4As shown in (2) in FIG. 1 , after the user triggers the recommendation message, the first domestic payment account and bank card binding control 311 may be displayed. In response to the triggering operation of the bank card binding control 311, as shown in FIG. Figure 5 The bank card binding interface 312 is shown, in which the user can input bank card information to bind the first account to the bank card to activate the payment function.

[0094] In another optional embodiment, the user can enter the payment order when the payment order is paid. In response to the payment operation of the transaction order, the payment method selection control is displayed; when the payment method selection control is triggered to select the first domestic payment account, and the first domestic payment account is in an inactive state, the account interface of the first domestic payment account is displayed, and the account interface includes a recharge control; in response to the triggering operation of the recharge control, the recharge interface of the first domestic payment account is displayed.

[0095] For example, Figure 6 As shown in (1) of FIG. 3 , a phone charge recharge interface 313 is displayed. In response to the operation of selecting the phone charge recharge amount 314, a payment method selection pop-up window 315 is displayed. The payment method selection pop-up window 315 displays an unactivated first domestic payment account 316. In response to the operation of selecting the first domestic payment account 316, as shown in FIG. Figure 6 As shown in (2), the account interface 309 of the first domestic payment account is displayed.

[0096] For example, if the first domestic payment account has been activated, and / or there is a recharge balance in the first domestic payment account, then Figure 7 As shown in (1), in response to the operation of selecting the phone charge recharge amount, a payment method selection pop-up window 315 is displayed, and the payment method selection pop-up window 315 displays an activated first domestic payment account 316; in response to the operation of selecting the first domestic payment account, the first domestic payment account is used to pay the phone charge recharge order. For example, Figure 7 As shown in (1) in FIG. 1 , a bank card binding control 311 may also be displayed in the payment method selection pop-up window 315. In response to a triggering operation on the bank card binding control 311, as shown in FIG. Figure 7 As shown in (2), a bank card binding pop-up window 317 is displayed, in which the user can enter bank card information to bind the first account to the bank card, and use the bound bank card to pay for the phone bill recharge order.

[0097] In another optional embodiment, the payment code interface can be used to enter the payment code. The first domestic payment account is the account corresponding to the first account; if the first account has not opened a payment code, such as Figure 8 The payment code opening control 318 is displayed as shown in (1); in response to the operation of triggering the payment code opening control 318, as shown in Figure 8As shown in (2), the payment method selection control 319 is displayed; when a trigger is received to select the first domestic payment account 316 for the payment method selection control 319, and the first domestic payment account is in an inactivated state, the account interface of the first domestic payment account is displayed, and the account interface includes a recharge control; in response to the trigger operation of the recharge control, the recharge interface of the first domestic payment account is displayed.

[0098] For example, after the first domestic payment account is activated by recharging the first domestic payment account, the payment code of the first account is opened, and the display is as follows: Fig. 9 The payment code interface 320 shown in the figure displays the payment code of the first account, and the payment account of the payment code is the first domestic payment account 316.

[0099] In another optional embodiment, the first domestic payment account can be entered in the wallet interface of the target application. Fig.10 As shown in (1), the payment service interface 321 of the target application is displayed, and the payment service interface displays a wallet entry control; in response to the triggering operation of the wallet entry control 322, the wallet interface 323 is displayed, and the first domestic payment account 316 of the first account number is displayed in the wallet interface 323; in response to the triggering operation of the first domestic payment account 316, the account interface of the first domestic payment account can be displayed, and the account interface includes a recharge control; in response to the triggering operation of the recharge control, the recharge interface of the first domestic payment account is displayed.

[0100] Step 220, in response to the recharge confirmation operation, the first domestic payment account is recharged using the first overseas payment account, and the recharge amount of the first domestic payment account is displayed.

[0101] For example, after the recharge is completed, the second amount of the second type of resources is reduced in the first overseas payment account, and the first amount of the first type of resources is increased in the first domestic payment account, and the first amount is the recharge amount. When there is no handling fee for the recharge, the ratio of the first amount to the second amount is equal to the exchange rate between the first type of resources and the second type of resources; when the recharge includes a handling fee, the ratio of the first amount to the third amount is equal to the exchange rate between the first type of resources and the second type of resources, and the third amount is equal to the second amount minus the handling fee.

[0102] For example, Figure 3 As shown in (1) in FIG. 1 , in response to the triggering operation of the recharge confirmation control 305, as shown in FIG. Fig.11As shown, a payment password input interface 306 is displayed, and the payment password input interface 306 displays the recharge amount and the payment password input control 307; an operation of inputting a payment password through the payment password input control 307 is received; if the payment password is correct, it is displayed that the recharge amount has increased in the first domestic payment account. For example, before the recharge is successful, the balance in the first domestic payment account is a first value, and after the recharge is successful, the balance increases to a second value, and the difference between the second value and the first value is equal to the recharge amount.

[0103] In an optional embodiment, a cumulative threshold is set for the first domestic payment account; when the cumulative amount of the first domestic payment account does not exceed the cumulative threshold, the first domestic payment account is displayed as available; when the cumulative amount of the first domestic payment account reaches the cumulative threshold, the first domestic payment account is displayed as unavailable; wherein the cumulative amount includes at least one of the following: cumulative recharge amount, cumulative payment amount, cumulative withdrawal amount.

[0104] Illustratively, when the cumulative recharge amount of the first domestic payment account reaches the cumulative recharge threshold, the first domestic payment account will be displayed as a non-rechargeable state; when the cumulative payment amount of the first domestic payment account reaches the cumulative payment threshold, the first domestic payment account will be displayed as a non-payable state; when the cumulative withdrawal amount of the first domestic payment account reaches the cumulative withdrawal threshold, the first domestic payment account will be displayed as a non-withdrawal state.

[0105] It should be noted that the first domestic payment account, or the first type of domestic payment account, has at least one of the following characteristics:

[0106] 1) No need to activate: The first type of domestic payment account is a function that is enabled by default for the account. Users can directly enter the account interface of the first domestic payment account without performing any activation operation.

[0107] 2) No real-name authentication required: Users can directly use their overseas payment accounts to recharge their first domestic payment account without the need for real-name authentication.

[0108] 3) With a cumulative threshold (cumulative threshold or cumulative limit): the user can only use the first domestic payment account within the cumulative threshold, and cannot continue to use the first domestic payment account after reaching the cumulative threshold; after reaching the cumulative threshold, the user can activate the second domestic payment account through real-name authentication and use the second domestic payment account for payment.

[0109] 4) No need to bind a bank card: Users only need to enter the overseas payment account (such as an overseas bank card) for recharging when recharging, and there is no need to bind the overseas payment account with the first domestic payment account.

[0110] 5) Only open to overseas accounts, or only open to overseas accounts that have not been authenticated by real name: Only overseas accounts or overseas accounts that have not been authenticated by real name can display the first type of domestic payment accounts, providing an e-wallet product for overseas users or overseas users who are unwilling to provide private information such as real-name information.

[0111] 6) Coexistence with the second type of domestic payment account / second domestic payment account: When registering the first domestic payment account for an account, the second domestic payment account will be registered at the same time. The first domestic payment account will serve as a subsidiary account of the second domestic payment account and coexist with the second domestic payment account.

[0112] For example, the first type of domestic payment account may also be referred to as a temporary domestic payment account, and the second type of domestic payment account may also be referred to as a long-term domestic payment account or LQ account.

[0113] Step 230: Use the recharge amount in the first domestic payment account to pay for the domestic transaction order.

[0114] In an optional embodiment, in order to ensure the payment security of the first domestic payment account, the first domestic payment account only supports small-amount commercial payments and cannot send or receive red envelopes or personal transfers. Domestic transaction orders include transaction orders with merchant accounts; domestic transaction orders do not include transaction orders with personal accounts.

[0115] In summary, the method provided in this embodiment provides a first domestic payment account, and the first domestic payment account supports recharging using an overseas payment account. By recharging the first domestic payment account, the overseas second-category resources in the overseas payment account can be exchanged for the domestic first-category resources in the first domestic payment account. After recharging the first domestic payment account with resources, the first domestic payment account can be used to pay domestic transaction orders. This simplifies the operation of using overseas accounts to make payments in China, optimizes the payment experience of overseas accounts in China, and promotes the flexibility and convenience of payment circulation.

[0116] Exemplarily, the first domestic payment account is a domestic payment account registered by the target application for the first account, and the first account also has a second domestic payment account registered. The first domestic payment account may be a subsidiary account of the second domestic payment account.

[0117] Fig.12 A flow chart of a payment method provided by an exemplary embodiment of the present application is shown. The method can be executed by a terminal. Figure 2 In the illustrated embodiment, step 220 may include step 221 and step 222 .

[0118] Step 210, displaying the recharge interface of the first domestic payment account; the recharge interface is used to input the recharge amount and the first overseas payment account used for payment.

[0119] Step 221: When a recharge confirmation operation is received and the first domestic payment account is in an inactive state, an operation of setting a payment password and verification information is received.

[0120] Exemplarily, the verification information is used to modify the payment password or retrieve the payment password. The verification information may include at least one of the following: a mobile phone number, an email address, or a physical card (bank card) of an overseas payment account.

[0121] For example, Fig.13 As shown in (1), the wallet interface 323 of the first account displays a payment setting control 324; in response to the triggering operation of the payment setting control 324, the display is as follows Figure 3 The payment setting interface 325 shown in (2) of FIG. 1 shows a payment setting interface 325 in which a payment password modification control 326 and a payment password forget control 327 are displayed. In response to a triggering operation on the payment password modification control 326 or the payment password forget control 327, the following is displayed: Fig.13 The identity verification interface 328 shown in (3) is used to verify the verification information. For example, when the verification information is a mobile phone number, the identity verification interface 328 displays the mobile phone number and a verification code acquisition control. In response to the operation of triggering the verification code acquisition control, the server of the target application sends a verification code to the mobile phone number, receives the verification code input operation on the identity verification interface 328, and obtains the identity verification result based on whether the verification code is correct or not. If the identity verification is passed, the user is allowed to retrieve or change the payment password.

[0122] Step 222, displaying the first domestic payment account in an activated state, wherein the first domestic payment account displays the first category of resources with a recharge amount.

[0123] Among them, the first domestic payment account in an activated state corresponds to a payment password and verification information; the verification information includes at least one of the following: mobile phone number, email address, and physical card of the overseas payment account.

[0124] Exemplarily, the first domestic payment account is the account of the first account; the terminal can display the account list of the first account; wherein, when the first account has not been authenticated with real name, the account list includes the first domestic payment account; when the first account has not been authenticated with real name and is bound to a physical card of an overseas payment account, the account list includes the first domestic payment account and the second domestic payment account; the second domestic payment account supports recharge and withdrawal using a domestic payment account; the second domestic payment account is displayed as inactivated; when the first account has been authenticated with real name, the account list includes the first domestic payment account and the second domestic payment account; the second domestic payment account is displayed as activated.

[0125] For example, Fig.14As shown in (1) of FIG. 1 , the account list of the first account is displayed in the wallet interface 323 of the first account. When the first account has not been authenticated by real name, only the first domestic payment account 316 is displayed in the account list. When the first account has been authenticated by real name, Fig.14 As shown in (2) in FIG. 3 , it is shown that the prompt information 330 of the second domestic payment account 329 has been opened; Fig.14 As shown in (3), a second domestic payment account 329 is added to the account list.

[0126] Step 230: Use the recharge amount in the first domestic payment account to pay for the domestic transaction order.

[0127] In an optional embodiment, the first domestic payment account is only used for overseas users to experience entry, and the cumulative recharge amount is only 1,000 yuan. After the first account is authenticated by real name, the first domestic payment account and the second domestic payment account coexist.

[0128] For example, before the real-name authentication of the first account, when the user uses the first domestic payment account, he / she opens the second domestic payment account (main account) and the first domestic payment account (subsidiary account) at the same time, and only the first domestic payment account is visible and available to the user, while the second domestic payment account is not visible and available to the user; after the real-name authentication of the first account, both the second domestic payment account (main account) and the first domestic payment account (subsidiary account) are visible and available to the user.

[0129] In summary, the method provided in this embodiment provides the user with a first domestic payment account and a second domestic payment account. The first domestic payment account supports recharging using an overseas payment account, and the second domestic payment account supports recharging using a domestic payment account. Among them, the first domestic payment account can be directly recharged and used through an overseas payment account without real-name authentication. For overseas visiting users, a convenient payment method is provided to use an overseas payment account to make payments in China.

[0130] The method provided in this embodiment sets a cumulative limit for the first domestic payment account in order to ensure the payment security of the first domestic payment account. When the amount used in the first domestic payment account reaches the cumulative limit, the use of the first domestic payment account will be restricted, and only the use of the second domestic payment account will be open to the user. While providing a quick payment method for overseas visiting users, it reduces the risk of large transactions.

[0131] The method provided in this embodiment provides a type of savings account (a first domestic payment account). The user only needs to enter the overseas payment account to complete the quick recharge of the domestic payment account, without the need for real-name authentication or bank card binding, making the resource transfer capability more flexible and closer to the payment habits of overseas users.

[0132] Exemplarily, the first domestic payment account also supports resource withdrawal.

[0133] Fig.15 A flow chart of a payment method provided by an exemplary embodiment of the present application is shown. The method can be executed by a terminal. Figure 2 In the illustrated embodiment, the method further comprises the following steps.

[0134] Step 240, displaying a withdrawal interface of the first domestic payment account; the withdrawal interface is used to input the withdrawal amount and the second overseas payment account for the transfer.

[0135] For example, Fig.16 As shown in (1) of FIG. 1 , an account interface 309 of a first domestic payment account is displayed, and an extraction control 331 is displayed in the account interface 309; in response to a triggering operation on the extraction control 331, the following is displayed: Fig.16 The withdrawal interface 332 shown in (2) of FIG. 3 shows a withdrawal amount input control 333, a payment account editing control 334, balance information 335 of the first domestic payment account, and a withdrawal confirmation control 336. The withdrawal amount input control 333 receives and displays the input withdrawal amount, and the payment account editing control selects the second overseas payment account and displays the account information of the second overseas payment account.

[0136] Exemplarily, the withdrawal amount is the amount of the first type of resources. Of course, the withdrawal amount can also be the amount of the second type of resources.

[0137] The second overseas payment account may be the same as the first overseas payment account, or may be different from the first overseas payment account. The second overseas payment account may be at least one of an overseas bank card, a credit card, and an electronic wallet.

[0138] Step 250, in response to the withdrawal confirmation operation, withdraw the withdrawal amount from the first domestic payment account to the second overseas payment account, and display that the withdrawal amount has been reduced in the first domestic payment account.

[0139] Exemplarily, the first domestic payment account is used to store the first type of domestic resources, and the second overseas payment account is used to store the third type of overseas resources; in response to the extraction confirmation operation (for example, the triggering operation of the extraction confirmation control 336), such as Fig.16As shown in (3), the payment password input interface 337 is displayed, and the payment password input interface 337 includes withdrawal information 338 and a payment password input control 339; the withdrawal information 338 includes at least one of the following: the withdrawal amount of the first category of resources, the amount of the third category of resources received, the second exchange rate between the first category of resources and the third category of resources, the withdrawal fee, and the withdrawal fee rate; the amount of the first category of resources received is determined based on the withdrawal amount and the second exchange rate; the operation of entering the payment password through the payment password input control is received; when the payment password is correct, it is displayed that the withdrawal amount of the first domestic payment account has been reduced.

[0140] For example, after the withdrawal is completed, the first category of resources of the fourth amount is reduced in the first domestic payment account, and the third category of resources of the fifth amount is increased in the second domestic payment account. When there is no handling fee for the withdrawal, the ratio of the fourth amount to the fifth amount is equal to the exchange rate between the first category of resources and the third category of resources; when the recharge includes a handling fee, the ratio of the sixth amount to the fifth amount is equal to the exchange rate between the first category of resources and the third category of resources, and the sixth amount is equal to the fourth amount minus the withdrawal fee.

[0141] To sum up, the method provided in this embodiment enables the first domestic payment account to support the recharge and withdrawal of overseas payment accounts, so that users can flexibly transfer resources in the first domestic payment account as needed, simplify the operation of using overseas payment accounts to transfer resources within the country, improve the convenience of resource management for overseas users, optimize the payment experience of overseas accounts in the country, and promote the flexibility of payment circulation.

[0142] Fig.17 A flow chart of a payment method provided by an exemplary embodiment of the present application is shown. The method can be executed by a server (first server) of a target application. The method includes the following steps.

[0143] Step 410: receiving a recharge request sent by a client, where the recharge request includes a recharge amount and a first overseas payment account for payment.

[0144] Exemplarily, the recharge request includes a payment password and verification information; when the first domestic payment account is in an inactive state, the first domestic payment account is registered according to the payment password and the verification information, and the first domestic payment account, payment password and verification information are stored accordingly.

[0145] Exemplarily, a first domestic payment account and a second domestic payment account of the first account are registered based on the payment password and verification information; the second domestic payment account supports recharge and withdrawal using domestic payment accounts.

[0146] If this recharge is not the first recharge of the first domestic payment account, a first domestic payment account and a second domestic payment account are registered for the first account during the first recharge.

[0147] like Fig.18 As shown, the client 501 of the target application sends a first recharge request to the server of the target application (first server 502), and the first recharge request may carry at least one of the recharge amount, payment password, verification information, and name. The first server 502 may include a payment server, an order server, a core server, a settlement server, and a channel server.

[0148] The payment server receives the first recharge request sent by the client 501; the payment server determines whether the first account is not a registered payment account, and if not, sends a registration request to the order server, the registration request including at least one of a payment password, verification information, and a name.

[0149] The order server registers the first domestic payment account and the second domestic payment account for the first account according to the registration request, generates the UID (User Identifoer) of the second domestic payment account (primary account) and the UID of the first domestic payment account (subsidiary account), and stores the second domestic payment account UID, the first domestic payment account UID and the payment password accordingly. Optionally, the second domestic payment account is written into the user information table of the first account, the first domestic payment account is written into the service account information table, and the association between the first domestic payment account and the second domestic payment account is recorded. At this time, the first domestic payment account is in a pre-registered, unactivated state. The order server returns the registration result to the payment server to complete the pre-registration process of the first domestic payment account.

[0150] For example, Fig.19As shown, the order server stores the account information of the first account, and the account information includes the one-to-one correspondence of the first account 701, the payment account 702, the payment account 703, the second domestic payment account 704, and the first domestic payment account 705. In the case where the first account has not been authenticated by real name and the first domestic payment account 705 has been activated, the second domestic payment account 704 is registered for the first account, but the second domestic payment account 704 is not activated, the second domestic payment account 704 is not displayed to the user, and the user cannot use the second domestic payment account 704. In the case where the first account has not been authenticated by real name, the overseas payment account is bound, and the first domestic payment account 705 is activated, the second domestic payment account 704 is registered for the first account, but the second domestic payment account 704 is not activated, the second domestic payment account 704 is displayed to the user, and the user cannot use the second domestic payment account 704. In the case where the first account has been authenticated by real name, the second domestic payment account 704 has been activated, the second domestic payment account 704 is displayed to the user, and the user can use the second domestic payment account 704. In addition, the first domestic payment account has a cumulative limit. When the first domestic payment account has not reached the cumulative limit, both the first domestic payment account and the second domestic payment account are visible and available to the user. When the first domestic payment account reaches the cumulative limit, the user is restricted from using the first domestic payment account, and the user can only use the second domestic payment account.

[0151] That is, if the first account has not been authenticated with real name, the second domestic payment account will not be displayed in the account list of the first account; if the first account has not been authenticated with real name and is bound to a physical card of an overseas payment account, the second domestic payment account will be displayed in the account list of the first account, and the first domestic payment account will be in an inactivated state; if the first account has been authenticated with real name, the second domestic payment account will be displayed in the account list of the first account, and the first domestic payment account will be in an activated state.

[0152] Step 420: Recharge the first domestic payment account using the first overseas payment account according to the recharge request, and increase the recharge amount in the first domestic payment account.

[0153] Exemplarily, the server generates a recharge order based on the recharge request; performs payment security verification and payment password verification; if the verification is passed, sends a transaction request to the first server corresponding to the first overseas payment account; if a successful transaction result is received, settles the recharge fee; after the recharge fee is successfully settled, increases the recharge amount in the first domestic payment account.

[0154] For example, after receiving the recharge request from the client 501, the first server 502 determines whether it is the first recharge. If it is the first recharge, the first server 502 executes Fig.18 The pre-registration process shown in the figure is as follows: Fig. 20 The recharge process shown; if it is not the first time to recharge, skip the pre-registration process and directly execute the recharge process.

[0155] like Fig. 20 As shown, after receiving the recharge request sent by the client 501, the payment server sends a recharge order generation request to the order server; the order server generates a recharge order and returns it to the payment server. The payment server executes the payment security verification process, such as executing 3DS (Three-Domain Secure) payment verification. After the payment security verification is passed, the payment server initiates a bank-to-business (Bank2B) transfer to the order server and carries the payment password. The order server verifies the payment password, generates an order table, creates a receipt, and initiates a transfer to the channel server. The channel server establishes a transferred POS (Point of Sale) order and pushes the POS order to the second server 503 corresponding to the first overseas payment account. The second server 503 processes the POS order and returns the processing result to the channel server. The channel server updates the POS order to a successful payment status and returns the payment result to the order server. The order server updates the receipt to a successful payment status based on the processing result and initiates an account movement request to the core server. The core server records the first type of resources for increasing the recharge amount of the transit account and the second type of resources for reducing the payment amount of the first overseas payment account based on the account movement request, and returns the account movement result to the order server. The order server returns the result of the account movement to the payment server to complete the recharge process. It should be noted that if the result of the account movement is a transfer failure, the interface for activating the first domestic payment account will not be called again. At this time, the first domestic payment account has completed pre-registration but has not been activated. The next time a recharge operation is received, the pre-registration process can be re-executed to set the payment password to activate the account. If the first domestic payment account is in an inactivated state, the resource transfer of the first domestic payment account is intercepted.

[0156] After the recharge process is completed, you can execute the settlement process to settle the recharge fee. Fig.21As shown, after receiving the account movement result, the payment server initiates B2C (Business to Customer) transfer and B2B (Business to Business) settlement to the settlement server. The settlement server generates a B2B settlement order and a B2C receipt, and initiates an account movement request to the core server based on the B2B settlement order and the B2C receipt. The core server generates a B2B transfer order and a B2C transfer order, wherein the B2B transfer order is used to transfer funds to a handling fee storage account using a transit account, and the B2C transfer order is used to transfer funds to a first domestic payment account using a transit account. The core server completes the resource transfer based on the B2B transfer order and the B2C transfer order, and returns the transfer result to the settlement server. The settlement server returns the settlement result to the payment server. The payment server returns a recharge success message to the client 501. Exemplarily, as Fig. 22 As shown, in the recharge process, the resources of the first amount in the first overseas payment account 801 are transferred to the transit account 802, and the recharge process is completed. The first amount is equal to the sum of the recharge amount and the recharge fee amount. In the settlement process, the recharge amount in the transit account 802 is transferred to the first domestic payment account 803, and the recharge fee amount is transferred to the fee storage account 804. The fee storage account 804 is the resource management account of the target application.

[0157] Exemplarily, after the recharge fee is successfully settled, the first domestic payment account is activated and the recharge amount is increased in the first domestic payment account.

[0158] like Fig.23 As shown, if this recharge is the first recharge, after completing the settlement process, the payment server also needs to send an activation request to the order server. The activation request is used to request activation of the first domestic payment account, and the activation request carries the payment password. The order server updates the status of the first domestic payment account to activated according to the activation request and returns the activation result to the payment server. The payment server synchronizes the activation result to the client 501.

[0159] Step 430: In response to the order payment request, the domestic transaction order is paid using the recharge amount in the first domestic payment account.

[0160] In summary, the method provided in this embodiment provides a first domestic payment account, and the first domestic payment account supports recharging using an overseas payment account. By recharging the first domestic payment account, the overseas second-category resources in the overseas payment account can be exchanged for the domestic first-category resources in the first domestic payment account. After recharging the first domestic payment account with resources, the first domestic payment account can be used to pay domestic transaction orders. This simplifies the operation of using overseas accounts to make payments in China, optimizes the payment experience of overseas accounts in China, and promotes the flexibility and convenience of payment circulation.

[0161] An exemplary embodiment of withdrawing resources from a first domestic payment account to a second overseas payment account is provided.

[0162] Fig.24 A flow chart of a payment method provided by an exemplary embodiment of the present application is shown. The method can be executed by a server (first server) of a target application. The method includes the following steps.

[0163] Step 610: receiving a withdrawal request, where the withdrawal request includes a withdrawal amount and a second overseas payment account to be used for the payment.

[0164] Exemplarily, the first server of the target application includes a payment server, an order server, a core server, a settlement server, and a channel server.

[0165] Exemplarily, the client sends a withdrawal request to the payment server. After receiving the withdrawal request sent by the client, the payment server forwards the withdrawal request to the order server.

[0166] Step 620: Generate a withdrawal order according to the withdrawal request.

[0167] Exemplarily, the order server generates a withdrawal order according to the withdrawal request and returns it to the payment server.

[0168] Step 630, perform payment security verification and payment password verification.

[0169] Exemplarily, the payment server performs a payment security verification process, such as performing 3DS (Three-DomainSecure) payment verification. After the payment security verification is passed, the payment server initiates a bank-to-business (Bank2B) transfer to the order server and carries the payment password. The order server verifies the payment password.

[0170] Step 640: If the verification is successful, a transaction request is sent to the server corresponding to the second overseas payment account.

[0171] Exemplarily, when the payment password verification is passed, the order server generates an order table, creates a receipt, and initiates a transfer to the channel server. The channel server creates a POS (Point of Sale) order for the transfer, and pushes the POS order to the third server corresponding to the second overseas payment account. The third server processes the POS order and returns the processing result to the channel server. The channel server updates the POS order to a successful payment status and returns the payment result to the order server. The order server updates the receipt to a successful payment status based on the processing result, and initiates an account movement request to the core server. The core server records the first type of resources for increasing the payment amount (the payment amount includes the withdrawal amount and the withdrawal fee) of the transit account and the first type of resources for reducing the payment amount of the first domestic payment account based on the account movement request, and returns the account movement result to the order server. The order server returns the transaction success result to the payment server, completing the withdrawal process.

[0172] Step 650, upon receiving a successful transaction result, settle the withdrawal fee.

[0173] After the extraction process is completed, the settlement process can be executed to settle the extraction fee. After receiving the successful transaction result, the payment server initiates B2C (Business to Customer) transfer and B2B (Business to Business) settlement to the settlement server. The settlement server generates a B2B settlement order and a B2C receipt, and initiates an account transfer request to the core server based on the B2B settlement order and the B2C receipt. The core server generates a B2B transfer order and a B2C transfer order, wherein the B2B transfer order is used to transfer funds to the fee storage account using the transit account, and the B2C transfer order is used to transfer funds to the first overseas payment account using the transit account. The core server completes the resource transfer based on the B2B transfer order and the B2C transfer order, and returns the transfer result to the settlement server. The settlement server returns the settlement result to the payment server. The payment server returns the extraction success information to the client.

[0174] Step 660: After the withdrawal fee is successfully settled, the withdrawal amount is reduced in the first domestic payment account.

[0175] For example, the withdrawal process is the same as the recharge process and will not be described in detail here.

[0176] To sum up, the method provided in this embodiment enables the first domestic payment account to support the recharge and withdrawal of overseas payment accounts, so that users can flexibly transfer resources in the first domestic payment account as needed, simplify the operation of using overseas payment accounts to transfer resources within the country, improve the convenience of resource management for overseas users, optimize the payment experience of overseas accounts in the country, and promote the flexibility of payment circulation.

[0177] An exemplary embodiment of using a first domestic payment account to pay a domestic transaction order is provided.

[0178] Fig.25 A flow chart of a payment method provided by an exemplary embodiment of the present application is shown. The method can be executed by a server (first server) of the target application. Fig.17 In the illustrated embodiment, step 430 includes the following steps.

[0179] Step 810, receiving an order payment request, where the order payment request is used to request the use of a first domestic payment account to pay for a domestic transaction order; the domestic transaction order includes a third domestic payment account as the payee and the payment amount; the third domestic payment account supports the use of a domestic payment account to perform recharge and withdrawal.

[0180] Among them, the third domestic payment account is the second type of domestic payment account, that is, the third domestic payment account only supports recharge or withdrawal using domestic payment accounts, and does not support recharge or withdrawal using overseas payment accounts.

[0181] In an optional embodiment, the first type of domestic payment account is a domestic payment account open only to overseas users. Only overseas users can register, activate and use the first type of domestic payment account (e.g., the first domestic payment account); domestic users can only register, activate and use the second type of domestic payment account (e.g., the second domestic payment account or the third domestic payment account). Of course, overseas users can also register, activate and use the second type of domestic payment account. In other words, an overseas user can have two domestic payment accounts, which coexist and do not affect each other. A domestic user only has one domestic payment account.

[0182] Step 820: Generate a payment order corresponding to the payment request.

[0183] Step 830, perform payment password verification.

[0184] For example, the recharge balance in the first domestic payment account is used to pay for the order. There is no need to use a bank card, and payment security verification does not need to be performed. Only the payment password needs to be verified, thereby improving payment efficiency.

[0185] Step 840: If the verification is successful, the payment amount is reduced in the first domestic payment account and the payment amount is increased in the third domestic payment account.

[0186] For example, Fig.26As shown, the client 501 sends an order payment request to the payment server, and the payment server synchronizes the order payment request with the order server. The order server generates an order number for payment and returns the order number to the payment server. The payment server requests the order server to query the account status of the first domestic payment account. The order server queries the account status (e.g., account balance) of the first domestic payment account and returns the account status to the payment server. The payment server synchronizes the account status of the first domestic payment account with the client 501 and receives the payment password entered by the client 501. The payment server initiates a payment request to the order server according to the payment password. The order server verifies the payment password, and after the verification is passed, sends an account movement request to the core server. The core server generates a C2B (Customer to Business) transfer slip, transfers resources according to the C2B transfer slip, generates a payment flow of the first domestic payment account and a storage flow of the merchant's third domestic payment account, and returns the account movement result to the order server. The order server updates the order status according to the account movement result and returns the payment result to the payment server. The payment server returns the payment result to the client 501.

[0187] It should be noted that if Fig. 27 As shown, the first domestic payment account 803 is used to pay for domestic transaction orders, and resources are transferred to the merchant account 805 (for example, the third domestic payment account). The payment process does not require payment security verification (for example, 3DS security verification) and only requires payment password verification. After the verification is passed, the payment can be completed. Optionally, no handling fee is required during the payment process. Optionally, the payment amount is not included in the cumulative limit of the first domestic payment account, that is, the first domestic payment account does not have a cumulative payment limit set, and users can use the first domestic payment account to pay transaction orders without restriction.

[0188] In summary, the method provided in this embodiment improves the convenience of using the first domestic payment account to pay for a transaction order. When using the first domestic payment account to pay for a domestic transaction order, there is no need to go through payment security verification, only payment password verification is required, and the payment process can be completed quickly, thereby improving payment efficiency.

[0189] The following is an embodiment of the device of the present application. For details not described in detail in the embodiment of the device, reference can be made to the corresponding records in the above method embodiment, and they will not be repeated herein.

[0190] Fig.28 A schematic diagram of the structure of a payment device provided by an exemplary embodiment of the present application is shown. The device can be implemented as all or part of a terminal through software, hardware, or a combination of both. The device includes:

[0191] Display module 1002, used to display a recharge interface of a first domestic payment account; the recharge interface is used to input a recharge amount and a first overseas payment account for payment;

[0192] The display module 1002 is used to recharge the first domestic payment account using the first overseas payment account in response to the recharge confirmation operation;

[0193] The display module 1002 is used to display that the first domestic payment account has increased the recharge amount;

[0194] The recharge amount in the first domestic payment account is used to pay for domestic transaction orders.

[0195] In an optional embodiment, the first domestic payment account is used to store the first type of domestic resources, and the first overseas payment account is used to store the second type of overseas resources; the device further includes:

[0196] The display module 1002 is used to display the recharge interface of the first domestic payment account, wherein the recharge interface includes an amount input area, a payment details display area, and a payment account editing area;

[0197] Interaction module 1001, used for receiving an operation of inputting the recharge amount in the amount input area; and an operation of selecting the first overseas payment account in the payment account editing area;

[0198] The display module 1002 is used to display the recharge amount of the first type of resources in the amount input area, display the account information of the first overseas payment account in the account editing area, and display the payment details in the payment detail display area;

[0199] The payment details include at least one of the following: a first exchange rate between the first type of resources and the second type of resources, a recharge fee rate, a payment amount corresponding to the recharge amount, a recharge fee, and a total payment amount;

[0200] The payment amount is determined according to the first exchange rate and the recharge amount; the total payment amount is the sum of the payment amount and the recharge fee.

[0201] In an optional embodiment, the display module 1002 is used to display a recommendation message of the first domestic payment account;

[0202] The display module 1002 is used to display the account interface of the first domestic payment account in response to the triggering operation of the recommendation message, wherein the account interface includes a recharge control;

[0203] The display module 1002 is used to display the recharge interface of the first domestic payment account in response to a triggering operation on the recharge control.

[0204] In an optional embodiment, the display module 1002 is used to display a payment method selection control in response to a payment operation of a transaction order;

[0205] The display module 1002 is configured to display an account interface of the first domestic payment account when receiving a trigger to select the first domestic payment account in the payment method selection control and the first domestic payment account is in an inactive state, wherein the account interface includes a recharge control;

[0206] The display module 1002 is used to display the recharge interface of the first domestic payment account in response to a triggering operation on the recharge control.

[0207] In an optional embodiment, the first domestic payment account is an account corresponding to the first account number;

[0208] The display module 1002 is used to display a payment code activation control when the first account has not activated the payment code;

[0209] The display module 1002 is used to display a payment method selection control in response to triggering the payment code opening control;

[0210] The display module 1002 is configured to display an account interface of the first domestic payment account when receiving a trigger to select the first domestic payment account in the payment method selection control and the first domestic payment account is in an inactive state, wherein the account interface includes a recharge control;

[0211] The display module 1002 is used to display the recharge interface of the first domestic payment account in response to a triggering operation on the recharge control.

[0212] In an optional embodiment, the display module 1002 is used to display a withdrawal interface of the first domestic payment account; the withdrawal interface is used to input the withdrawal amount and the second overseas payment account for the deposit;

[0213] The display module 1002 is used to withdraw the withdrawal amount from the first domestic payment account to the second overseas payment account in response to the withdrawal confirmation operation, and display that the first domestic payment account has reduced the withdrawal amount.

[0214] In an optional embodiment, the first domestic payment account is used to store the first type of domestic resources, and the second overseas payment account is used to store the third type of overseas resources; the device further includes:

[0215] The display module 1002 is used to display a payment password input interface in response to the withdrawal confirmation operation, wherein the payment password input interface includes withdrawal information and a payment password input control; the withdrawal information includes at least one of the following: the withdrawal amount of the first category of resources, the amount of the third category of resources received, the second exchange rate between the first category of resources and the third category of resources, the withdrawal fee, and the withdrawal fee rate; the amount of the third category of resources received is determined based on the withdrawal amount and the second exchange rate;

[0216] Interaction module 1001, used for receiving an operation of inputting a payment password through the payment password;

[0217] The display module 1002 is used to display that the withdrawal amount has been reduced in the first domestic payment account when the payment password is correct.

[0218] In an optional embodiment, the device further includes:

[0219] Interaction module 1001, for receiving a payment password and verification information setting operation when the recharge confirmation operation is received and the first domestic payment account is in an inactive state;

[0220] The display module 1002 is used to display the first domestic payment account in an activated state, where the first domestic payment account displays the first type of resources with the recharge amount;

[0221] Among them, the first domestic payment account in an activated state corresponds to the payment password and the verification information; the verification information includes at least one of the following: mobile phone number, email address, and physical card of the overseas payment account.

[0222] In an optional embodiment, the first domestic payment account is an account of the first account number;

[0223] The display module 1002 is used to display the account list of the first account;

[0224] Wherein, in the case where the first account has not been authenticated by real name, the account list includes the first domestic payment account;

[0225] In the case where the first account has not been authenticated by real name and is bound to a physical card of an overseas payment account, the account list includes the first domestic payment account and the second domestic payment account; the second domestic payment account supports recharge and withdrawal using a domestic payment account; the second domestic payment account is displayed as inactive;

[0226] In the case of real-name authentication of the first account, the account list includes the first domestic payment account and the second domestic payment account; the second domestic payment account is displayed as activated.

[0227] In an optional embodiment, the display module 1002 is used to display the first domestic payment account as available when the accumulated amount of the first domestic payment account does not exceed the accumulated threshold;

[0228] The display module 1002 is configured to display the first domestic payment account as unavailable when the accumulated amount of the first domestic payment account reaches a cumulative threshold;

[0229] The accumulated amount includes at least one of the following: accumulated recharge amount, accumulated payment amount, accumulated withdrawal amount.

[0230] In an optional embodiment, the domestic transaction orders include transaction orders with merchant accounts; the domestic transaction orders do not include transaction orders with personal accounts.

[0231] Fig.29 A schematic diagram of the structure of a payment device provided by an exemplary embodiment of the present application is shown. The device can be implemented as all or part of a server (first server) through software, hardware, or a combination of both. The device includes:

[0232] The receiving module 1004 is used to receive a recharge request sent by the client, wherein the recharge request includes a recharge amount and a first overseas payment account for payment;

[0233] An account module 1005 is configured to recharge the first domestic payment account using the first overseas payment account according to the recharge request, and increase the recharge amount in the first domestic payment account;

[0234] The second payment module 1006 is used to respond to the order payment request and use the recharge amount in the first domestic payment account to pay the domestic transaction order.

[0235] In an optional embodiment, the account module 1005 is used to generate a recharge order according to the recharge request;

[0236] The account module 1005 is used to perform payment security verification and payment password verification;

[0237] The account module 1005 is used to send a transaction request to the server corresponding to the first overseas payment account when the verification is passed;

[0238] The account module 1005 is used to settle the recharge fee when receiving a successful transaction result;

[0239] The account module 1005 is used to increase the recharge amount in the first domestic payment account after the recharge fee is successfully settled.

[0240] In an optional embodiment, the recharge request includes a payment password and verification information;

[0241] The account module 1005 is used to register the first domestic payment account according to the payment password and the verification information when the first domestic payment account is in an inactive state, and to store the first domestic payment account, the payment password and the verification information accordingly;

[0242] The account module 1005 is used to activate the first domestic payment account and increase the recharge amount in the first domestic payment account after the recharge fee is successfully settled.

[0243] In an optional embodiment, the account module 1005 is used to register the first domestic payment account and the second domestic payment account of the first account number according to the payment password and the verification information; the second domestic payment account supports recharge and withdrawal using domestic payment accounts.

[0244] In an optional embodiment, when the first account has not been authenticated by real name, the second domestic payment account is not displayed in the account list of the first account;

[0245] If the first account has not been authenticated by real name and is bound to a physical card of an overseas payment account, the second domestic payment account is displayed in the account list of the first account, and the first domestic payment account is in an inactive state;

[0246] When the first account is authenticated by real name, the second domestic payment account is displayed in the account list of the first account, and the first domestic payment account is in an activated state.

[0247] In an optional embodiment, the device further comprises:

[0248] The receiving module 1004 is used to receive a withdrawal request, wherein the withdrawal request includes a withdrawal amount and a second overseas payment account for the payment;

[0249] The account module 1005 is used to generate a withdrawal order according to the withdrawal request;

[0250] The account module 1005 is used to perform payment security verification and payment password verification;

[0251] The account module 1005 is used to send a transaction request to the server corresponding to the second overseas payment account when the verification is successful;

[0252] The account module 1005 is used to settle the withdrawal fee when receiving a successful transaction result;

[0253] The account module 1005 is used to reduce the withdrawal amount in the first domestic payment account after the withdrawal fee is successfully settled.

[0254] In an optional embodiment, the receiving module 1004 is used to receive an order payment request, wherein the order payment request is used to request to use the first domestic payment account to pay the domestic transaction order; the domestic transaction order includes a third domestic payment account as the payee and the payment amount; the third domestic payment account supports recharge and withdrawal using a domestic payment account;

[0255] The second payment module 1006 is used to generate a payment order corresponding to the payment request;

[0256] The second payment module 1006 is used to perform payment password verification;

[0257] The second payment module 1006 is used to reduce the payment amount in the first domestic payment account and increase the payment amount in the third domestic payment account when the verification is passed.

[0258] The embodiment of the present application also provides a computer device, which includes: a processor and a memory, wherein at least one instruction, at least one program, code set or instruction set is stored in the memory, and the at least one instruction, at least one program, code set or instruction set is loaded and executed by the processor to implement the payment method provided by the above-mentioned method embodiments. The computer device can be implemented as a terminal.

[0259] For example, Fig.30 It is a structural diagram of a computer device provided by an exemplary embodiment of the present application.

[0260] Typically, the computer device 1700 includes a processor 1701 and a memory 1702 .

[0261] The processor 1701 may include one or more processing cores, such as a 4-core processor, an 8-core processor, etc. The processor 1701 may be implemented in at least one hardware form of DSP (Digital Signal Processing), FPGA (Field-Programmable Gate Array), and PLA (Programmable Logic Array). The processor 1701 may also include a main processor and a coprocessor. The main processor is a processor for processing data in the awake state, also known as a CPU (Central Processing Unit); the coprocessor is a low-power processor for processing data in the standby state. In some embodiments, the processor 1701 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content to be displayed on the display screen. In some embodiments, the processor 1701 may also include an AI (Artificial Intelligence) processor, which is used to process computing operations related to machine learning.

[0262] The memory 1702 may include one or more computer-readable storage media, which may be non-transitory. The memory 1702 may also include a high-speed random access memory, and a non-volatile memory, such as one or more disk storage devices, flash memory storage devices. In some embodiments, the non-transitory computer-readable storage medium in the memory 1702 is used to store at least one instruction, which is used to be executed by the processor 1701 to implement the payment method provided in the method embodiment of the present application.

[0263] In some embodiments, the computer device 1700 may also optionally include: a peripheral device interface 1703 and at least one peripheral device. The processor 1701, the memory 1702 and the peripheral device interface 1703 may be connected via a bus or a signal line. Each peripheral device may be connected to the peripheral device interface 1703 via a bus, a signal line or a circuit board. Specifically, the peripheral device includes: at least one of a radio frequency circuit 1704, a display screen 1705, a camera assembly 1706, an audio circuit 1707 and a power supply 1708.

[0264] The peripheral device interface 1703 may be used to connect at least one peripheral device related to I / O (Input / Output) to the processor 1701 and the memory 1702. In some embodiments, the processor 1701, the memory 1702, and the peripheral device interface 1703 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 1701, the memory 1702, and the peripheral device interface 1703 may be implemented on a separate chip or circuit board, which is not limited in the embodiments of the present application.

[0265] The radio frequency circuit 1704 is used to receive and transmit RF (Radio Frequency) signals, also known as electromagnetic signals. The radio frequency circuit 1704 communicates with the communication network and other communication devices through electromagnetic signals. The radio frequency circuit 1704 converts the electrical signal into an electromagnetic signal for transmission, or converts the received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 1704 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a user identity module card, and the like. The radio frequency circuit 1704 can communicate with other computer devices through at least one wireless communication protocol. The wireless communication protocol includes, but is not limited to: the World Wide Web, a metropolitan area network, an intranet, various generations of mobile communication networks (2G, 3G, 4G and 5G), a wireless local area network and / or a WiFi (Wireless Fidelity) network. In some embodiments, the radio frequency circuit 1704 may also include circuits related to NFC (Near Field Communication), which is not limited in this application.

[0266] The display screen 1705 is used to display a UI (User Interface). The UI may include graphics, text, icons, videos, and any combination thereof. When the display screen 1705 is a touch display screen, the display screen 1705 also has the ability to collect touch signals on the surface or above the surface of the display screen 1705. The touch signal can be input to the processor 1701 as a control signal for processing. At this time, the display screen 1705 can also be used to provide virtual buttons and / or virtual keyboards, also known as soft buttons and / or soft keyboards. In some embodiments, the display screen 1705 can be one, and the front panel of the computer device 1700 is set; in other embodiments, the display screen 1705 can be at least two, which are respectively set on different surfaces of the computer device 1700 or are folded; in some other embodiments, the display screen 1705 can be a flexible display screen, which is set on the curved surface or folded surface of the computer device 1700. Even, the display screen 1705 can also be set to a non-rectangular irregular shape, that is, a special-shaped screen. The display screen 1705 can be made of materials such as LCD (Liquid Crystal Display) and OLED (Organic Light-Emitting Diode).

[0267] The camera assembly 1706 is used to capture images or videos. Optionally, the camera assembly 1706 includes a front camera and a rear camera. Typically, the front camera is arranged on the front panel of the computer device 1700, and the rear camera is arranged on the back of the computer device. In some embodiments, there are at least two rear cameras, which are any one of a main camera, a depth of field camera, a wide-angle camera, and a telephoto camera, so as to realize the fusion of the main camera and the depth of field camera to realize the background blur function, the fusion of the main camera and the wide-angle camera to realize the panoramic shooting and VR (Virtual Reality) shooting function or other fusion shooting functions. In some embodiments, the camera assembly 1706 may also include a flash. The flash can be a monochrome temperature flash or a dual-color temperature flash. A dual-color temperature flash refers to a combination of a warm light flash and a cold light flash, which can be used for light compensation at different color temperatures.

[0268] The audio circuit 1707 may include a microphone and a speaker. The microphone is used to collect sound waves from the user and the environment, and convert the sound waves into electrical signals and input them into the processor 1701 for processing, or input them into the radio frequency circuit 1704 to achieve voice communication. For the purpose of stereo acquisition or noise reduction, there may be multiple microphones, which are respectively arranged at different parts of the computer device 1700. The microphone may also be an array microphone or an omnidirectional acquisition microphone. The speaker is used to convert the electrical signal from the processor 1701 or the radio frequency circuit 1704 into sound waves. The speaker may be a traditional film speaker or a piezoelectric ceramic speaker. When the speaker is a piezoelectric ceramic speaker, it can not only convert the electrical signal into sound waves audible to humans, but also convert the electrical signal into sound waves inaudible to humans for purposes such as ranging. In some embodiments, the audio circuit 1707 may also include a headphone jack.

[0269] The power supply 1708 is used to power various components in the computer device 1700. The power supply 1708 can be an alternating current, a direct current, a disposable battery, or a rechargeable battery. When the power supply 1708 includes a rechargeable battery, the rechargeable battery can be a wired rechargeable battery or a wireless rechargeable battery. A wired rechargeable battery is a battery that is charged through a wired line, and a wireless rechargeable battery is a battery that is charged through a wireless coil. The rechargeable battery can also be used to support fast charging technology.

[0270] In some embodiments, the computer device 1700 further includes one or more sensors 1709 , including but not limited to: an acceleration sensor 1710 , a gyroscope sensor 1711 , a pressure sensor 1712 , an optical sensor 1713 , and a proximity sensor 1714 .

[0271] The acceleration sensor 1710 can detect the magnitude of acceleration on the three coordinate axes of the coordinate system established by the computer device 1700. For example, the acceleration sensor 1710 can be used to detect the components of gravity acceleration on the three coordinate axes. The processor 1701 can control the touch display screen 1705 to display the user interface in a horizontal view or a vertical view according to the gravity acceleration signal collected by the acceleration sensor 1710. The acceleration sensor 1710 can also be used to collect game or user motion data.

[0272] The gyro sensor 1711 can detect the body direction and rotation angle of the computer device 1700, and the gyro sensor 1711 can cooperate with the acceleration sensor 1710 to collect the user's 3D actions on the computer device 1700. The processor 1701 can implement the following functions based on the data collected by the gyro sensor 1711: motion sensing (such as changing the UI according to the user's tilt operation), image stabilization during shooting, game control, and inertial navigation.

[0273] The pressure sensor 1712 can be set on the side frame of the computer device 1700 and / or the lower layer of the touch display screen 1705. When the pressure sensor 1712 is set on the side frame of the computer device 1700, it can detect the user's grip signal of the computer device 1700, and the processor 1701 performs left and right hand recognition or shortcut operations according to the grip signal collected by the pressure sensor 1712. When the pressure sensor 1712 is set on the lower layer of the touch display screen 1705, the processor 1701 controls the operability controls on the UI interface according to the user's pressure operation on the touch display screen 1705. The operability controls include at least one of a button control, a scroll bar control, an icon control, and a menu control.

[0274] The optical sensor 1713 is used to collect the ambient light intensity. In one embodiment, the processor 1701 can control the display brightness of the touch display screen 1705 according to the ambient light intensity collected by the optical sensor 1713. Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 1705 is increased; when the ambient light intensity is low, the display brightness of the touch display screen 1705 is reduced. In another embodiment, the processor 1701 can also dynamically adjust the shooting parameters of the camera assembly 1706 according to the ambient light intensity collected by the optical sensor 1713.

[0275] The proximity sensor 1714, also called a distance sensor, is usually arranged on the front panel of the computer device 1700. The proximity sensor 1714 is used to collect the distance between the user and the front of the computer device 1700. In one embodiment, when the proximity sensor 1714 detects that the distance between the user and the front of the computer device 1700 is gradually decreasing, the processor 1701 controls the touch display screen 1705 to switch from the screen-on state to the screen-off state; when the proximity sensor 1714 detects that the distance between the user and the front of the computer device 1700 is gradually increasing, the processor 1701 controls the touch display screen 1705 to switch from the screen-off state to the screen-on state.

[0276] Those skilled in the art will understand that Fig.30 The structure shown in the figure does not constitute a limitation on the computer device 1700, and the computer device 1700 may include more or less components than shown in the figure, or combine some components, or adopt a different arrangement of components.

[0277] The present application also provides a computer device, which includes: a processor and a memory, wherein the storage medium stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, at least one program, a code set or an instruction set is loaded and executed by the processor to implement the payment methods provided in the above-mentioned method embodiments.

[0278] The present application also provides a computer-readable storage medium, which stores at least one instruction, at least one program, code set or instruction set, and the at least one instruction, at least one program, code set or instruction set is loaded and executed by a processor to implement the payment methods provided by the above-mentioned method embodiments.

[0279] The present application also provides a computer program product or a computer program, which includes computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the payment method provided in the above optional implementation.

[0280] It should be understood that the "multiple" mentioned in this article refers to two or more. "And / or" describes the association relationship of associated objects, indicating that three relationships may exist. For example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone. The character " / " generally indicates that the objects associated before and after are in an "or" relationship. A person of ordinary skill in the art can understand that all or part of the steps to implement the above embodiments can be completed by hardware, or can be completed by instructing related hardware through a program. The program can be stored in a computer-readable storage medium. The above-mentioned storage medium can be a read-only memory, a disk or an optical disk, etc. The above are only optional embodiments of the present application and are not intended to limit the present application. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present application should be included in the scope of protection of the present application.

[0281] It should be noted that before collecting relevant data of users and during the process of collecting relevant data of users, this application can display a prompt interface, pop-up window or output voice prompt information, and the prompt interface, pop-up window or voice prompt information is used to prompt the user that its relevant data is currently being collected, so that this application only starts to execute the relevant steps of obtaining relevant data of users after obtaining the confirmation operation issued by the user to the prompt interface or pop-up window, otherwise (that is, when the confirmation operation issued by the user to the prompt interface or pop-up window is not obtained), the relevant steps of obtaining relevant data of users are terminated, that is, the relevant data of users are not obtained. In other words, all user data collected by this application are collected with the consent and authorization of the user, and the collection, use and processing of relevant user data need to comply with the relevant laws, regulations and standards of relevant countries and regions.

Claims

1. A payment method, characterized in that: The method is executed by a client, and includes: Displaying a recharge interface for a first domestic payment account; the recharge interface is used to input a recharge amount and a first overseas payment account for payment; In response to the recharge confirmation operation, recharge the first domestic payment account using the first overseas payment account; Displaying that the first domestic payment account has increased the recharge amount; The recharge amount in the first domestic payment account is used to pay for domestic transaction orders.

2. The method according to claim 1, characterized in that The first domestic payment account is used to store the first type of domestic resources, and the first overseas payment account is used to store the second type of overseas resources; The recharge interface for displaying the first domestic payment account includes: Displaying a recharge interface for the first domestic payment account, the recharge interface including an amount input area, a payment details display area, and a payment account editing area; receiving an operation of inputting the recharge amount in the amount input area; and an operation of selecting the first overseas payment account in the payment account editing area; The recharge amount of the first type of resources is displayed in the amount input area, the account information of the first overseas payment account is displayed in the account editing area, and the payment details are displayed in the payment details display area; The payment details include at least one of the following: a first exchange rate between the first type of resources and the second type of resources, a recharge fee rate, a payment amount corresponding to the recharge amount, a recharge fee, and a total payment amount; The payment amount is determined according to the first exchange rate and the recharge amount; the total payment amount is the sum of the payment amount and the recharge fee.

3. The method according to claim 2, characterized in that The recharge interface for displaying the first domestic payment account includes: Displaying a recommendation message for the first domestic payment account; In response to a triggering operation on the recommendation message, displaying an account interface of the first domestic payment account, the account interface including a recharge control; In response to the triggering operation of the recharge control, the recharge interface of the first domestic payment account is displayed.

4. The method according to claim 2, characterized in that: The recharge interface for displaying the first domestic payment account includes: In response to a payment operation of the transaction order, displaying a payment method selection control; When receiving a trigger to select the first domestic payment account in the payment method selection control, and the first domestic payment account is in an inactive state, displaying an account interface of the first domestic payment account, the account interface including a recharge control; In response to the triggering operation of the recharge control, the recharge interface of the first domestic payment account is displayed.

5. The method according to claim 2, characterized in that: The first domestic payment account is the account corresponding to the first account number; The recharge interface for displaying the first domestic payment account includes: If the first account has not activated the payment code, display the payment code activation control; In response to triggering the payment code opening control, displaying a payment method selection control; When receiving a trigger to select the first domestic payment account in the payment method selection control, and the first domestic payment account is in an inactive state, displaying an account interface of the first domestic payment account, the account interface including a recharge control; In response to the triggering operation of the recharge control, the recharge interface of the first domestic payment account is displayed.

6. The method according to any one of claims 1 to 5, characterized in that: The method further comprises: Displaying a withdrawal interface of the first domestic payment account; the withdrawal interface is used to input the withdrawal amount and the second overseas payment account to be used for the deposit; In response to the withdrawal confirmation operation, the withdrawal amount in the first domestic payment account is withdrawn to the second overseas payment account, indicating that the first domestic payment account has reduced the withdrawal amount.

7. The method according to claim 6, characterized in that The first domestic payment account is used to store the first category of domestic resources, and the second overseas payment account is used to store the third category of overseas resources; In response to the withdrawal confirmation operation, withdrawing the withdrawal amount from the first domestic payment account to the second overseas payment account, and displaying that the first domestic payment account has reduced the withdrawal amount, comprises: In response to the withdrawal confirmation operation, a payment password input interface is displayed, the payment password input interface including withdrawal information and a payment password input control; the withdrawal information includes at least one of the following: the withdrawal amount of the first category of resources, the amount of the third category of resources received, the second exchange rate between the first category of resources and the third category of resources, the withdrawal fee, and the withdrawal fee rate; the amount of the third category of resources received is determined based on the withdrawal amount and the second exchange rate; Receiving an operation of inputting a payment password through the payment password; When the payment password is correct, it is displayed that the withdrawal amount has been reduced in the first domestic payment account.

8. The method according to any one of claims 1 to 5, characterized in that: In response to the recharge confirmation operation, the first domestic payment account is recharged using the first overseas payment account, and the recharge amount is increased in the first domestic payment account is displayed, including: Upon receiving the recharge confirmation operation and when the first domestic payment account is in an inactive state, receiving an operation for setting a payment password and verification information; The first domestic payment account in an activated state is displayed, and the first domestic payment account displays the first type of resources with the recharge amount; Among them, the first domestic payment account in an activated state corresponds to the payment password and the verification information; the verification information includes at least one of the following: mobile phone number, email address, and physical card of the overseas payment account.

9. The method according to any one of claims 1 to 5, characterized in that: The first domestic payment account is an account of the first account number; the method further includes: Displaying an account list of the first account; Wherein, in the case where the first account has not been authenticated by real name, the account list includes the first domestic payment account; In the case where the first account has not been authenticated by real name and is bound to a physical card of an overseas payment account, the account list includes the first domestic payment account and the second domestic payment account; the second domestic payment account supports recharge and withdrawal using a domestic payment account; the second domestic payment account is displayed as inactive; In the case of real-name authentication of the first account, the account list includes the first domestic payment account and the second domestic payment account; the second domestic payment account is displayed as activated.

10. The method according to any one of claims 1 to 5, characterized in that: The method further comprises: When the accumulated amount of the first domestic payment account does not exceed the accumulated threshold, displaying the first domestic payment account as available; When the accumulated amount of the first domestic payment account reaches the accumulated threshold, displaying the first domestic payment account as unavailable; The accumulated amount includes at least one of the following: accumulated recharge amount, accumulated payment amount, accumulated withdrawal amount.

11. The method according to any one of claims 1 to 5, characterized in that: The domestic transaction orders include transaction orders with merchant accounts; the domestic transaction orders do not include transaction orders with personal accounts.

12. A payment method, characterized in that: The method is performed by a first server, and includes: receiving a recharge request sent by a client, wherein the recharge request includes a recharge amount and a first overseas payment account used for payment; According to the recharge request, use the first overseas payment account to recharge the first domestic payment account, and increase the recharge amount in the first domestic payment account; In response to the order payment request, the domestic transaction order is paid using the recharge amount in the first domestic payment account.

13. The method according to claim 12, characterized in that The step of using the first overseas payment account to recharge the first domestic payment account according to the recharge request, and increasing the recharge amount in the first domestic payment account, comprises: Generate a recharge order according to the recharge request; Perform payment security verification and payment password verification; If the verification is successful, sending a transaction request to the first server corresponding to the first overseas payment account; Upon receiving a successful transaction result, settle the recharge fee; After the recharge fee is successfully settled, the recharge amount is increased in the first domestic payment account.

14. The method according to claim 13, characterized in that The recharge request includes a payment password and verification information; The step of generating a recharge order according to the recharge request further includes: When the first domestic payment account is in an inactive state, registering the first domestic payment account according to the payment password and the verification information, and correspondingly storing the first domestic payment account, the payment password and the verification information; After the recharge fee is successfully settled, increasing the recharge amount in the first domestic payment account includes: After the recharge fee is successfully settled, the first domestic payment account is activated and the recharge amount is increased in the first domestic payment account.

15. The method according to claim 14, characterized in that The registering the first domestic payment account according to the payment password and the verification information includes: The first domestic payment account and the second domestic payment account of the first account are registered according to the payment password and the verification information; the second domestic payment account supports recharge and withdrawal using a domestic payment account.

16. The method according to claim 15, characterized in that If the first account has not been authenticated by real name, the second domestic payment account is not displayed in the account list of the first account; If the first account has not been authenticated by real name and is bound to a physical card of an overseas payment account, the second domestic payment account is displayed in the account list of the first account, and the first domestic payment account is in an inactive state; When the first account is authenticated by real name, the second domestic payment account is displayed in the account list of the first account, and the first domestic payment account is in an activated state.

17. The method according to any one of claims 12 to 16, characterized in that: The method further comprises: receiving a withdrawal request, the withdrawal request including a withdrawal amount and a second overseas payment account for the transfer; generating a withdrawal order according to the withdrawal request; Perform payment security verification and payment password verification; If the verification is successful, sending a transaction request to the first server corresponding to the second overseas payment account; Upon receiving a successful transaction result, the withdrawal fee is settled; After the withdrawal fee is successfully settled, the withdrawal amount is reduced in the first domestic payment account.

18. The method according to any one of claims 12 to 16, characterized in that: The step of responding to the order payment request and using the recharge amount in the first domestic payment account to pay the domestic transaction order includes: receiving an order payment request, the order payment request being used to request the use of the first domestic payment account to pay the domestic transaction order; the domestic transaction order comprising a third domestic payment account as the payee and a payment amount; the third domestic payment account supporting the use of domestic payment accounts to perform recharge and withdrawal; Generating a payment order corresponding to the payment request; Perform payment password verification; If the verification is successful, the payment amount is reduced in the first domestic payment account and the payment amount is increased in the third domestic payment account.

19. A payment device, characterized in that: The device comprises: A display module, used to display a recharge interface of a first domestic payment account; the recharge interface is used to input a recharge amount and a first overseas payment account for payment; The display module is used to recharge the first domestic payment account using the first overseas payment account in response to the recharge confirmation operation; The display module is used to display that the first domestic payment account has increased the recharge amount; The recharge amount in the first domestic payment account is used to pay for domestic transaction orders.

20. A payment device, characterized in that: The device comprises: A receiving module, configured to receive a recharge request sent by a client, wherein the recharge request includes a recharge amount and a first overseas payment account for payment; an account module, configured to recharge the first domestic payment account using the first overseas payment account according to the recharge request, and increase the recharge amount in the first domestic payment account; The second payment module is used to respond to the order payment request and use the recharge amount in the first domestic payment account to pay the domestic transaction order.

21. A computer device, characterized in that: The computer device includes: a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by the processor to implement the payment method as described in any one of claims 1 to 18.

22. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by the processor to implement the payment method as described in any one of claims 1 to 18.

23. A computer program product, characterized in that The computer program product includes computer instructions, which are stored in a computer-readable storage medium; a processor reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions to implement the payment method according to any one of claims 1 to 18.

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