Payment method, device and equipment and computer readable storage medium

Abstract

The invention discloses a payment method, device and equipment and a computer readable storage medium. The method comprises the steps that a graphic code, used for receiving resources, of a merchant is scanned, the graphic code is obtained by encoding resource receiving information of the merchant based on a TLV format, and the graphic code comprises a basic field and an extension field; the field data of the basic field comprises first resource receiving information of a merchant and a cross-border network identifier, and the field data of the extended field is resource access address information; according to the transaction mode of the electronic wallet, a target field is determined, and the target field is any one of a basic field and an extended field; analyzing the graphic code based on a TLV format to obtain resource receiving information, the resource receiving information comprising field data of a basic field and field data of an extended field; and executing payment operation based on the field data of the target field. According to the embodiment of the invention, the method can be compatible with the domestic code scanning payment of an overseas electronic wallet, and reduces the impact on the conventional domestic code scanning payment mode as much as possible.

Description

Technical Field

[0001] This application belongs to the technical field of payment, and particularly relates to a payment method, device, equipment and computer-readable storage medium. Background Art

[0002] With the rapid development of payment technology, using two-dimensional codes for payment has become a commonly used payment method both at home and abroad.

[0003] Currently, overseas two-dimensional codes usually adopt the Type-Length-Value (TLV) format for encoding. Overseas e-wallets can use two-dimensional codes encoded based on the TLV format for payment. While domestic two-dimensional codes are usually generated based on the Uniform Resource Locator (URL) address. Domestic e-wallets can complete a series of services based on two-dimensional codes with URL addresses, such as two-dimensional code collection, scanning codes for ordering food, etc. Since the generation methods of overseas two-dimensional codes are different from those of domestic two-dimensional codes, overseas personnel often cannot use overseas e-wallets to perform scanning payment in China after coming to China.

[0004] Therefore, there is an urgent need for a payment method at present to achieve both compatibility with overseas e-wallets for scanning payment in China and minimizing the impact on existing domestic scanning payment methods as much as possible. Summary of the Invention

[0005] Embodiments of this application provide a payment method, device, equipment, computer-readable storage medium and computer program product, which can both be compatible with overseas e-wallets for scanning payment in China and minimize the impact on existing domestic scanning payment methods as much as possible.

[0006] In a first aspect, embodiments of this application provide a payment method, which is applied to an e-wallet, and the method includes:

[0007] Scanning a graphic code used by a merchant to receive resources, where the graphic code is encoded based on the Type-Length-Value (TLV) format for the merchant's resource reception information, and the graphic code includes a basic field and an extended field; the field data of the basic field includes the merchant's first resource reception information and a cross-border network identifier, and the field data of the extended field is resource access address information, and the resource access address information includes the merchant's second resource reception information;

[0008] Determining a target field according to the transaction mode of the e-wallet, where the target field is any one of the basic field and the extended field;

[0009] Parse the graphic code based on the TLV format to obtain the resource receiving information, where the resource receiving information includes the field data of the basic field and the field data of the extended field;

[0010] Perform a payment operation based on the field data of the target field.

[0011] In a possible implementation, a payment control is integrated in the electronic wallet, the target field is the basic field, and performing the payment operation based on the field data of the target field includes:

[0012] When the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, send the first resource receiving information to the overseas cross-border gateway via the background system of the electronic wallet, so that the overseas cross-border gateway sends the first resource receiving information to the acquiring system platform, so that the acquiring system platform generates a first order information based on the first resource receiving information;

[0013] Receive the first order information returned by the acquiring system platform;

[0014] Invoke the payment control and perform a payment operation based on the first order information.

[0015] In a possible implementation, when the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, sending the first resource receiving information to the overseas cross-border gateway via the background system of the electronic wallet includes:

[0016] Send the first resource receiving information and the cross-border network identifier to the background system of the electronic wallet, so that the background system of the electronic wallet determines the cross-border gateway corresponding to the cross-border network identifier, and when the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, send the first resource receiving information to the overseas cross-border gateway through the background system of the electronic wallet.

[0017] In a possible implementation, the first resource receiving information further includes a resource clearing system platform identifier and an acquiring system platform identifier; the resource clearing system platform identifier and the acquiring system platform identifier are used to instruct the overseas cross-border gateway to send the first resource receiving information to the acquiring system platform corresponding to the acquiring system platform identifier via the clearing system corresponding to the clearing system platform identifier.

[0018] In a possible implementation, a payment control is integrated in the electronic wallet, the target field is the basic field, and performing the payment operation based on the field data of the target field includes:

[0019] When the cross-border gateway corresponding to the cross-border network identifier is a domestic cross-border gateway, send the first resource reception information to the acquiring system platform via the back-end system of the electronic wallet and the resource clearing system platform, so that the acquiring system platform generates second order information based on the first resource reception information;

[0020] Receive the second order information returned by the acquiring system platform;

[0021] Invoke the payment control and perform a payment operation based on the second order information.

[0022] In a possible implementation, a payment control is integrated in the electronic wallet, the target field is the extended field, and performing a payment operation based on the field data of the target field includes:

[0023] Generate an order generation request based on the resource access address information;

[0024] Send the order generation request to the acquiring system platform;

[0025] Receive the third order information returned by the acquiring system platform in response to the order generation request;

[0026] Invoke the payment control and perform a payment operation based on the third order information.

[0027] In a possible implementation, the resource access address information further includes the merchant's business information. Before generating an order generation request based on the resource access address information, the method further includes:

[0028] Generate a page generation request based on the business information in the resource access address information;

[0029] Send the page generation request to the acquiring system platform, so that the acquiring system platform generates a target page corresponding to the business information in response to the page generation request;

[0030] Receive the page data corresponding to the target page returned by the acquiring system;

[0031] Display the target page based on the page data;

[0032] In response to a first input by the user to the target page, determine target business data;

[0033] The generating an order generation request based on the resource access address information includes:

[0034] Generate an order generation request based on the target business data and the second resource reception information in the resource access address information.

[0035] In a possible implementation, the service information includes preferential information. Invoking the payment control and performing a payment operation based on the third order information includes:

[0036] Invoking the payment control and performing a payment operation based on the third order information and the preferential information.

[0037] In a possible implementation, the second resource reception information includes a fourth order information and a resource transfer value. Performing a payment operation based on the field data of the target field includes:

[0038] Invoking the payment control and performing a payment operation based on the second resource reception information.

[0039] In a second aspect, an embodiment of the present application provides a payment device applied to an electronic wallet. The device includes:

[0040] A scanning module, configured to scan a graphic code used by a merchant to receive resources. The graphic code is encoded based on the type-length-value (TLV) format of the merchant's resource reception information. The graphic code includes a basic field and an extended field. The field data of the basic field includes the merchant's first resource reception information and a cross-border network identifier. The field data of the extended field is resource access address information, and the resource access address information includes the merchant's second resource reception information;

[0041] A determination module, configured to determine a target field according to the transaction mode of the electronic wallet. The target field is any one of the basic field and the extended field;

[0042] An analysis module, configured to analyze the graphic code based on the TLV format to obtain the resource reception information. The resource reception information includes the field data of the basic field and the field data of the extended field;

[0043] A payment module, configured to perform a payment operation based on the field data of the target field.

[0044] In a third aspect, an embodiment of the present application provides an electronic device. The device includes: a processor and a memory storing computer program instructions;

[0045] When the processor executes the computer program instructions, the method in any possible implementation method in the first aspect above is implemented.

[0046] Fourthly, an embodiment of the present application provides a computer-readable storage medium, on which computer program instructions are stored. When the computer program instructions are executed by a processor, the methods in any possible implementation method in the above first aspect are implemented.

[0047] Fifthly, an embodiment of the present application provides a computer program product. When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device is enabled to execute the methods in any possible implementation method in the above first aspect.

[0048] In the embodiment of the present application, the graphic code is encoded based on the TLV format for the resource receiving information of the merchant, and the graphic code includes a basic field and an extended field. Among them, the field data of the basic field includes the first resource receiving information of the merchant and the cross-border network identifier, and the field data of the extended field is the resource access address information, and the resource access address information includes the second resource receiving information of the merchant. Therefore, by parsing the graphic code based on the TLV format, the field data of the basic field and the field data of the extended field can be identified, and the first resource receiving information, the cross-border network identifier, and the resource access address information including the second resource receiving information can be obtained. Based on this, by determining the target field according to the transaction mode of the electronic wallet and performing the payment operation based on the field data of the target field, on the one hand, when the electronic wallet is an overseas electronic wallet, payment can be made based on the overseas cross-border gateway corresponding to the cross-border network identifier and the first resource receiving information, realizing the scan code payment of the overseas electronic wallet in China; on the other hand, when the electronic wallet is a domestic electronic wallet, payment can be made based on the resource access address information including the second resource receiving information, which is the same as the existing domestic scan code payment method. Thus, through the embodiment of the present application, it is possible to both be compatible with the scan code payment of overseas electronic wallets in China and minimize the impact on the existing domestic scan code payment method as much as possible. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following will briefly introduce the drawings required to be used in the embodiments of the present application. For those of ordinary skill in the art, other drawings can also be obtained based on these drawings without creative efforts.

[0050] Figure 1 is a schematic flowchart of a payment method provided by an embodiment of the present application;

[0051] Figure 2 is a schematic flowchart of an overseas electronic wallet performing a payment operation based on the field data of the basic field provided by an embodiment of the present application;

[0052] Figure 3It is a schematic flowchart of a payment operation performed by a domestic electronic wallet based on field data of basic fields provided by an embodiment of the present application;

[0053] Figure 4 It is a schematic flowchart of a payment operation performed by a first domestic electronic wallet based on field data of extended fields provided by an embodiment of the present application;

[0054] Figure 5 It is a schematic flowchart of a payment operation performed by a second domestic electronic wallet based on field data of extended fields provided by an embodiment of the present application;

[0055] Figure 6 It is a schematic structural diagram of a payment device provided by an embodiment of the present application;

[0056] Figure 7 It is a schematic structural diagram of an electronic device provided by an embodiment of the present application. Detailed implementation manners

[0057] The features and exemplary embodiments of various aspects of the present application will be described in detail below. To make the objectives, technical solutions, and advantages of the present application clearer and more understandable, the present application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without some of these specific details. The following description of the embodiments is only intended to provide a better understanding of the present application by showing examples of the present application.

[0058] It should be noted that, in this document, relational terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. Moreover, the term "comprising", "including" or any other variation thereof is intended to cover a non-exclusive inclusion, such that a process, method, article or device comprising a series of elements includes not only those elements, but also other elements not expressly listed, or elements inherent to such process, method, article or device. Without further limitation, elements defined by the statement "comprising..." do not exclude the presence of additional identical elements in the process, method, article or device comprising the said elements.

[0059] In addition, the acquisition, storage, use, processing, etc. of data in the technical solutions of the present application all comply with the relevant regulations of national laws and regulations.

[0060] As mentioned in the background technology section, domestic electronic wallets can complete a series of services based on QR codes with URL addresses, such as QR code payment, QR code ordering, etc. Therefore, there is an urgent need for a payment method that is compatible with foreign electronic wallets' QR code payment in China, minimizes the impact on existing domestic QR code payment methods, and is compatible with existing industry code services such as QR code ordering.

[0061] Thus, in order to solve the problems of the prior art, the embodiments of the present application provide a payment method, device, equipment, computer-readable storage medium and computer program product. The payment method can be applied to the scan code payment scenario and the scan code ordering scenario.

[0062] The following first introduces the payment method provided in the embodiment of the present application.

[0063] Figure 1 A flow chart of a payment method provided in an embodiment of the present application is shown. The payment method can be executed by an electronic wallet. The electronic wallet can be an electronic wallet that comes with the electronic device or a third-party electronic wallet, which is not limited here. In addition, the electronic wallet can include any one of a domestic electronic wallet and an overseas electronic wallet.

[0064] like Figure 1 As shown, the payment method provided in the embodiment of the present application includes the following steps:

[0065] S110, scanning a graphic code used by a merchant to receive resources, the graphic code being obtained by encoding the merchant's resource receiving information based on a type-length-value TLV format, the graphic code comprising a basic field and an extended field; the field data of the basic field comprising the merchant's first resource receiving information and a cross-border network identifier, the field data of the extended field being resource access address information, the resource access address information comprising the merchant's second resource receiving information;

[0066] S120, determining a target field according to the transaction mode of the electronic wallet, where the target field is any one of a basic field and an extended field;

[0067] S130, parsing the graphic code based on the TLV format to obtain resource reception information, where the resource reception information includes field data of the basic field and field data of the extended field;

[0068] S140. Execute a payment operation based on the field data of the target field.

[0069] In the embodiments of the present application, the graphic code is encoded based on the TLV format for the resource receiving information of the merchant, and the graphic code includes a basic field and an extended field. Among them, the field data of the basic field includes the first resource receiving information of the merchant and the cross-border network identifier, and the field data of the extended field is the resource access address information, which includes the second resource receiving information of the merchant. Therefore, by parsing the graphic code based on the TLV format, the field data of the basic field and the field data of the extended field can be identified, and the first resource receiving information, the cross-border network identifier, and the resource access address information including the second resource receiving information can be obtained. Based on this, by determining the target field according to the transaction mode of the e-wallet and performing the payment operation based on the field data of the target field, on the one hand, when the e-wallet is an overseas e-wallet, payment can be made based on the overseas cross-border gateway corresponding to the cross-border network identifier and the first resource receiving information, realizing the scan code payment of the overseas e-wallet in China; on the other hand, when the e-wallet is a domestic e-wallet, payment can be made based on the resource access address information including the second resource receiving information, which is the same as the existing domestic scan code payment method. Thus, through the embodiments of the present application, it is possible to both be compatible with the scan code payment of overseas e-wallets in China and minimize the impact on the existing domestic scan code payment method as much as possible.

[0070] The following introduces the specific implementation methods of the above steps.

[0071] In some embodiments, in S110, the graphic code may include a bar code or a two-dimensional code, and the graphic code can be used to receive resources. The resources in the embodiments of the present application can be currency, digital currency, points, red envelopes, etc. When the resource is currency or digital currency, the graphic code can specifically be a collection code. In addition, the graphic code is encoded based on the TLV format for the resource receiving information of the merchant. When the resource is currency or digital currency, the resource receiving information of the merchant can specifically be the merchant collection information. The resource receiving information of the merchant may include information such as merchant name, merchant category, merchant country code, merchant city, merchant translation information, type of received resource, acquirer system platform identifier, resource clearing system platform identifier, merchant number, code type, transaction details, etc. In addition, the resource receiving information may include a resource transfer value and order information, or may not include a resource transfer value and order information, which is not limited herein.

[0072] As an example, by encoding the resource receiving information of a merchant based on the unified payment barcode standard (CNQR standard) and the TLV format, a graphic code for the merchant to receive resources can be obtained. Among them, the graphic code can include a basic field and an extended field. The field data of the basic field can be used for overseas e-wallets or domestic e-wallets to perform payment operations. The field data of the extended field can be used for domestic e-wallets to perform payment operations. Specifically, the field data of the basic field can include the first resource receiving information of the merchant and a cross-border network identifier. Among them, the cross-border network identifier can be denoted as RID, and the cross-border network identifier can be applied to the ISO for allocation according to the International Organization for Standardization (ISO) 7816-5 standard. Each country or region can have a cross-border gateway, and this cross-border gateway is bound to the unique cross-border network identifier (RID) of that country or region. Through the RID, the country, region, or specific barcode payment institution where this transaction is routed can be identified. In addition, the first resource receiving information can include information such as the merchant name, merchant category, merchant country code, merchant city, merchant's translation information, type of resources received, acquirer system platform identifier, resource clearing system platform identifier, etc. In addition, the first resource receiving information can include a resource transfer value and order information, or may not include a resource transfer value and order information, which is not limited here.

[0073] In addition, the field data of the extended field can be resource access address information, and the resource access address information includes the second resource receiving information of the merchant. Specifically, the resource access address information can be URL address information. The second resource receiving information can include information such as merchant number, code type, transaction details, etc. In addition, the second resource receiving information can include a resource transfer value and order information, or may not include a resource transfer value and order information, which is not limited here.

[0074] As an example, when the resource is currency or digital currency, the encoding information of a graphic code provided by an embodiment of the present application can be as shown in Table 1:

[0075] Table 1

[0076]

[0077] In Table 1, the basic field can include fields such as 00, 01, 17, sub-fields, 52-64, etc., and the extended field can be the 80 field.

[0078] In some embodiments, in S120, the transaction mode of the electronic wallet may include performing a payment operation by identifying resource access address information and performing a payment operation by parsing encoded information in TLV format. If the transaction mode of the electronic wallet is to perform a payment operation by identifying resource access address information, the electronic wallet may be a domestic electronic wallet, and the target field may be an extended field. If the transaction mode of the electronic wallet is to perform a payment operation by parsing encoded information in TLV format, the electronic wallet may be an overseas electronic wallet or a domestic electronic wallet, and the target field may be a basic field.

[0079] As an example, after scanning the graphic code, the electronic wallet may determine the target field based on its own transaction mode.

[0080] In some embodiments, in S130, whether it is an overseas electronic wallet or a domestic electronic wallet, the graphic code may be parsed based on the TLV format to obtain resource receiving information. The resource receiving information may include field data of the basic field and field data of the extended field. The resource receiving information may be as described above and will not be elaborated in detail here.

[0081] As an example, after scanning the graphic code, the electronic wallet may first determine the target field and then parse the graphic code, or may first parse the graphic code and then determine the target field, which is not limited here. If the electronic wallet first determines the target field after scanning the graphic code, it may only parse the target field in the graphic code to improve the speed of determining the field data of the target field.

[0082] In some embodiments, in S140, after the electronic wallet determines the target field and parses the field data of the target field, a payment operation may be performed based on the field data of the target field.

[0083] As an example, a payment control may be integrated in the electronic wallet, and the electronic wallet may specifically perform a payment operation by calling the payment control based on the field data of the target field.

[0084] In the case where the target field is a basic field, in order to implement the scan code payment of the overseas electronic wallet in the country, in some embodiments, the above S140 may specifically include:

[0085] When the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, the first resource receiving information is sent to the overseas cross-border gateway via the background system of the electronic wallet, so that the overseas cross-border gateway sends the first resource receiving information to the acquiring system platform, so that the acquiring system platform generates the first order information based on the first resource receiving information;

[0086] Receive the first order information returned by the acquiring system platform;

[0087] Invoke the payment control and perform a payment operation based on the first order information.

[0088] Here, if the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, the e-wallet can first send the first resource reception information to the back-end system of the e-wallet, and then the back-end system of the e-wallet sends the first resource reception information to the overseas cross-border gateway. Then, the overseas cross-border gateway sends the first resource reception information to the resource clearing system platform, and then the resource clearing system platform sends the first resource reception information to the acquiring system platform. After receiving the first resource reception information, the acquiring system platform can generate the first order information based on the first resource reception information and return the first order information to the e-wallet through the resource clearing system platform, the overseas cross-border gateway, and the back-end system of the e-wallet. After receiving the first order information, the e-wallet can invoke the payment control and perform a payment operation based on the first order information.

[0089] As an example, as described above, the first resource reception information may further include a resource clearing system platform identifier and an acquiring system platform identifier. The resource clearing system platform identifier and the acquiring system platform identifier can be used to instruct the overseas cross-border gateway to send the first resource reception information to the acquiring system platform corresponding to the acquiring system platform identifier via the clearing system corresponding to the clearing system platform identifier.

[0090] In this way, when the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, by sending the first resource reception information to the overseas cross-border gateway through the back-end system of the e-wallet and performing a payment operation based on the first order information returned by the acquiring system platform, the overseas e-wallet can achieve scan code payment in China.

[0091] In addition, in the embodiments of the present application, if the first order information is included in the first resource reception information, the acquiring system platform can record the first order information and return a notification message indicating that the first order information has been recorded to the e-wallet to ensure the success of subsequent payments.

[0092] In addition, in the embodiments of the present application, the cross-border gateway corresponding to the cross-border network identifier can be determined by the e-wallet or by the back-end system of the e-wallet, which is not limited herein.

[0093] Based on this, in order to improve the payment efficiency of the e-wallet, in some embodiments, when the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, sending the first resource reception information to the overseas cross-border gateway through the back-end system of the e-wallet may specifically include:

[0094] Send the first resource reception information and the cross-border network identifier to the back-end system of the e-wallet, so that the back-end system of the e-wallet can determine the cross-border gateway corresponding to the cross-border network identifier, and in the case that the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, send the first resource reception information to the overseas cross-border gateway through the back-end system of the e-wallet.

[0095] Here, the back-end system of the e-wallet can identify the cross-border routing information corresponding to the cross-border network identifier and determine the specific cross-border gateway. Among them, the cross-border gateway can be an overseas cross-border gateway or a domestic cross-border gateway. In the case that the cross-border gateway is an overseas cross-border gateway, the first resource reception information can be sent to the overseas cross-border gateway through the back-end system of the e-wallet.

[0096] In the embodiments of the present application, by identifying the cross-border network identifier based on the back-end system of the e-wallet instead of the e-wallet to determine the cross-border gateway, the payment efficiency of the e-wallet can be improved.

[0097] Based on the above embodiments, a schematic flow diagram of a payment operation performed by an overseas e-wallet based on the field data of the basic fields provided by the embodiments of the present application can be as Figure 2 shown.

[0098] As Figure 2 shown, the process of an overseas e-wallet performing a payment operation based on the field data of the basic fields may include the following steps:

[0099] S21. The e-wallet scans the graphic code displayed on the merchant terminal;

[0100] S22. The e-wallet analyzes the graphic code to obtain the resource reception information;

[0101] S23. The e-wallet determines the first resource reception information and the cross-border network identifier in the resource reception information based on the transaction mode;

[0102] S24. The e-wallet sends the first resource reception information and the cross-border network identifier to the back-end system of the e-wallet;

[0103] S25. The back-end system of the e-wallet determines the cross-border gateway corresponding to the cross-border network identifier;

[0104] S26. In the case that the cross-border gateway is an overseas cross-border gateway, the back-end system of the e-wallet sends the first resource reception information to the overseas cross-border gateway;

[0105] S27. The overseas cross-border gateway identifies the acquiring routing information; identifying the acquiring routing information includes: determining the resource settlement system platform corresponding to the resource settlement system platform identifier in the first resource reception information and the acquiring system platform corresponding to the acquiring system platform identifier;

[0106] S28. The overseas cross-border gateway sends the first resource receipt information to the resource clearing system platform;

[0107] S29. The resource clearing system platform sends the first resource receipt information to the acquiring system platform;

[0108] S210. The acquiring system platform generates the first order information based on the first resource receipt information;

[0109] S211. The acquiring system platform sends the first order information to the resource clearing system platform;

[0110] S212. The resource clearing system platform sends the first order information to the overseas cross-border gateway;

[0111] S213. The overseas cross-border gateway sends the first order information to the back-end system of the e-wallet;

[0112] S214. The back-end system of the e-wallet sends the first order information to the e-wallet;

[0113] S215. The e-wallet invokes the payment control and performs the payment operation based on the first order information.

[0114] In addition, in the case where the target field is the basic field, in order to implement the scan code payment of the domestic e-wallet, in some embodiments, the above S140 may specifically include:

[0115] In the case where the cross-border gateway corresponding to the cross-border network identifier is a domestic cross-border gateway, the first resource receipt information is sent to the acquiring system platform via the back-end system of the e-wallet and the resource clearing system platform, so that the acquiring system platform generates the second order information based on the first resource receipt information;

[0116] Receive the second order information returned by the acquiring system platform;

[0117] Invoke the payment control and perform the payment operation based on the second order information.

[0118] If the cross-border gateway corresponding to the cross-border network identifier is a domestic cross-border gateway, the first resource receipt information does not need to be sent to the domestic cross-border gateway, and the first resource receipt information can be directly sent to the domestic resource clearing system platform according to the resource clearing system platform identifier.

[0119] As an example, if the cross-border gateway corresponding to the cross-border network identifier is a domestic cross-border gateway, the e-wallet can first send the first resource reception information to the background system of the e-wallet, and then the background system of the e-wallet sends the first resource reception information to the resource clearing system platform, and then the resource clearing system platform sends the first resource reception information to the acquiring system platform. After receiving the first resource reception information, the acquiring system platform can generate second order information based on the first resource reception information and return the second order information to the e-wallet through the resource clearing system platform and the background system of the e-wallet. After receiving the second order information, the e-wallet can call the payment control and perform a payment operation based on the second order information.

[0120] A schematic flow diagram of a domestic e-wallet performing a payment operation based on the field data of the basic fields provided by the embodiments of the present application can be as Figure 3 shown.

[0121] As Figure 3 shown, the process of a domestic e-wallet performing a payment operation based on the field data of the basic fields can include the following steps:

[0122] S31. The e-wallet scans the graphic code displayed on the merchant terminal;

[0123] S32. The e-wallet parses the graphic code to obtain the resource reception information;

[0124] S33. The e-wallet determines the first resource reception information and the cross-border network identifier in the resource reception information based on the transaction mode;

[0125] S34. The e-wallet sends the first resource reception information and the cross-border network identifier to the background system of the e-wallet;

[0126] S35. The background system of the e-wallet determines the cross-border gateway corresponding to the cross-border network identifier;

[0127] S36. In the case where the cross-border gateway is an overseas cross-border gateway, the background system of the e-wallet identifies the acquiring routing information; identifying the acquiring routing information includes: determining the resource clearing system platform corresponding to the resource clearing system platform identifier in the first resource reception information and the acquiring system platform corresponding to the acquiring system platform identifier;

[0128] S37. The background system of the e-wallet sends the first resource reception information to the resource clearing system platform;

[0129] S38. The resource clearing system platform sends the first resource reception information to the acquiring system platform;

[0130] S39. The acquiring system platform generates second order information based on the first resource reception information;

[0131] S310. The acquiring system platform sends the second order information to the resource clearing system platform;

[0132] S311. The resource clearing system platform sends the second order information to the back-end system of the e-wallet;

[0133] S312. The back-end system of the e-wallet sends the second order information to the e-wallet;

[0134] S313. The e-wallet invokes the payment control and performs a payment operation based on the second order information.

[0135] In this way, when the cross-border gateway corresponding to the cross-border network identifier is the domestic cross-border gateway, the first resource receiving information is sent to the acquiring system platform via the back-end system of the e-wallet and the resource clearing system platform, and the payment operation is performed based on the second order information returned by the acquiring system platform, so that the domestic e-wallet can realize the code-scanning payment based on the field data of the basic fields.

[0136] In addition, when the target field is an extended field, the graphic code corresponding to the resource access address information can be a payment code. Based on this, in order to realize the code-scanning payment of the domestic e-wallet, in some embodiments, the above S140 may specifically include:

[0137] Generate an order generation request based on the resource access address information;

[0138] Send the order generation request to the acquiring system platform;

[0139] Receive the third order information returned by the acquiring system platform in response to the order generation request;

[0140] Invoke the payment control and perform a payment operation based on the third order information.

[0141] Here, as described above, the second resource receiving information may be included in the resource access address information.

[0142] As an example, the e-wallet may generate an order generation request based on the second resource receiving information in the resource access address information and send the order generation request to the acquiring system platform. After receiving the order generation request, the acquiring system platform may, in response to the order generation request, generate the third order information based on the second resource receiving information such as the merchant number, code type, and other transaction details included in the request, and return the third order information to the e-wallet. After receiving the third order information, the e-wallet can perform a payment operation based on the third order information.

[0143] The flow diagram of a domestic e-wallet performing a payment operation based on the field data of the extended field provided by the embodiments of the present application may be as Figure 4As shown

[0144] As Figure 4 shown, the process of the domestic e-wallet performing payment operations based on the field data of the extended field may include the following steps:

[0145] S41. The e-wallet scans the graphic code displayed on the merchant terminal;

[0146] S42. The e-wallet parses the graphic code to obtain the resource receiving information;

[0147] S43. The e-wallet determines the resource access address information including the second resource receiving information in the resource receiving information based on the transaction mode;

[0148] S44. The e-wallet generates an order generation request based on the resource access address information;

[0149] S45. The e-wallet sends the order generation request to the acquiring system platform;

[0150] S46. The acquiring system platform generates the third order information based on the second resource receiving information in response to the order generation request;

[0151] S47. The acquiring system platform sends the third order information to the e-wallet;

[0152] S48. The e-wallet calls the payment control and performs payment operations based on the third order information.

[0153] In this way, in the embodiment of the present application, when the target field is the extended field, payment can be made based on the resource access address information including the second resource receiving information, and the QR code payment of the domestic e-wallet based on the field data of the extended field can be realized.

[0154] In addition, as described above, the second resource receiving information may include order information and resource receiving values. If the second resource receiving information includes the fourth order information, in order to improve the payment efficiency, in some embodiments, the above S140 may specifically include:

[0155] Call the payment control and perform payment operations based on the second resource receiving information.

[0156] In the embodiment of the present application, if the second resource receiving information includes order information and resource receiving values, the payment code corresponding to the resource access address information may be a dynamic code. At this time, the order has been generated, and the e-wallet does not need to send the second resource receiving information to the acquiring system platform to generate an order, and can directly call the payment control and perform payment operations based on the second resource receiving information, which can improve the payment efficiency.

[0157] In addition, the resource access address information may further include the merchant's business information. Among them, the business information may be, for example, information related to scanning a code for ordering food, scanning a code for registration, scanning a code to receive a red envelope, etc. At this time, the graphic code corresponding to the resource access address information may be an industry code. Based on this, in order to improve the user's scanning code payment experience, in some embodiments, before generating the order generation request based on the resource access address information, the method may further include:

[0158] Generating a page generation request based on the business information in the resource access address information;

[0159] Sending the page generation request to the acquiring system platform, so that the acquiring system platform generates a target page corresponding to the business information in response to the page generation request;

[0160] Receiving the page data corresponding to the target page returned by the acquiring system;

[0161] Displaying the target page based on the page data;

[0162] Determining target business data in response to a first input by the user to the target page;

[0163] Generating an order generation request based on the resource access address information includes:

[0164] Generating an order generation request based on the target business data and the second resource receiving information in the resource access address information.

[0165] Here, if the business information is information related to scanning a code for ordering food, the page generation request may be used to generate an ordering page, the target page may be an ordering page, the page data may be the page data corresponding to the ordering page, the first input may be the input of the user selecting food items on the ordering page, and the target business data includes ordering data.

[0166] As an example, if the business information is information related to scanning a code for ordering food, the electronic wallet may first generate a page generation request based on the information related to scanning a code for ordering food, and then send the page generation request to the acquiring system platform. After receiving the page generation request, the acquiring system platform may generate an ordering page in response to the page generation request and return the page data corresponding to the ordering page to the electronic wallet. The electronic wallet may generate and display the ordering page based on the page data. The user may order food on the ordering page to obtain ordering data. After that, the electronic wallet may generate an order generation request based on the ordering data and the second resource receiving information, and send the order generation request to the acquiring system platform.

[0167] A schematic flow diagram of a domestic electronic wallet provided by an embodiment of the present application for performing a payment operation based on the field data of an extended field may be as Figure 5 shown.

[0168] As Figure 5 shown, the resource access address information may further include the merchant's business information. When the business information is information related to scanning code for ordering food, the process for the domestic e-wallet to perform a payment operation based on the field data of the extended field may include the following steps:

[0169] S51. The e-wallet scans the graphic code displayed on the merchant terminal;

[0170] S52. The e-wallet parses the graphic code to obtain the resource receiving information;

[0171] S53. The e-wallet determines, based on the transaction mode, the resource access address information in the resource receiving information that includes the second resource receiving information and the information related to scanning code for ordering food;

[0172] S54. The e-wallet generates a page generation request based on the information related to scanning code for ordering food;

[0173] S55. The e-wallet sends the page generation request to the acquiring system platform;

[0174] S56. In response to the page generation request, the acquiring system platform generates an ordering page;

[0175] S57. The acquiring system platform sends the page data corresponding to the ordering page to the e-wallet;

[0176] S58. The e-wallet displays the ordering page based on the page data;

[0177] S59. In response to the first input of the user to the ordering page, the e-wallet determines the ordering data;

[0178] S510. The e-wallet generates an order generation request based on the ordering data and the second resource receiving information;

[0179] S511. The e-wallet sends the order generation request to the acquiring system platform;

[0180] S512. In response to the order generation request, the acquiring system platform generates a third order information based on the second resource receiving information and the ordering data;

[0181] S513. The acquiring system platform sends the third order information to the e-wallet;

[0182] S514. The e-wallet calls the payment control and performs a payment operation based on the third order information.

[0183] In this way, when the business information of the merchant is included in the resource access address information, a page generation request is first generated based on the business information and sent to the acquiring system platform, so that the acquiring system platform generates a target page corresponding to the business information in response to the page generation request, and receives the page data corresponding to the target page returned by the acquiring system. Based on the page data, the target page is displayed, enabling the user to determine the target business data on the target page, which can improve the user's code scanning payment experience.

[0184] In addition, the business information may further include preferential information. Based on this, in order to further improve the user's code scanning payment experience, in some embodiments, the above-mentioned invocation of the payment control and execution of the payment operation based on the third order information may specifically include:

[0185] Invoke the payment control and perform the payment operation based on the third order information and the preferential information.

[0186] As an example, if the payment amount corresponding to the third order information is A yuan and the preferential information is a coupon worth B yuan, then when performing the payment operation, the B - yuan coupon can be automatically deducted, and the user only needs to pay A - B yuan.

[0187] As another example, when the e - wallet invokes the payment control, a preferential page can be displayed, and the preferential information can be included in the preferential page. If the user selects the preferential information on the preferential page, the payment operation is performed based on the third order information and the preferential information.

[0188] By performing the payment operation based on the third order information and the preferential information in the embodiments of the present application, the user's code scanning payment experience can be further improved.

[0189] In addition to the preferential information, the merchant and the acquiring system platform can also add other custom data in the extension field to meet specific requirements.

[0190] In summary, by adopting the TLV standard for unified payment barcode encoding and using the extension field to carry the URL to be compatible with the existing domestic barcode standards in the embodiments of the present application, the transformation costs of domestic code - issuing institutions and acquiring institutions can be reduced, and the compatibility of domestic payment codes with domestic and foreign mobile wallets can be achieved.

[0191] Based on the payment method provided in the above - mentioned embodiments, correspondingly, the present application also provides a specific implementation manner of a payment device applied to an e - wallet. Please refer to the following embodiments.

[0192] As Figure 6 shown, the payment device 600 provided in the embodiments of the present application includes the following modules:

[0193] A scanning module 610 is configured to scan a graphic code used by a merchant to receive resources. The graphic code is encoded based on the type-length-value (TLV) format for the merchant's resource reception information. The graphic code includes a basic field and an extended field. The field data of the basic field includes the merchant's first resource reception information and a cross-border network identifier. The field data of the extended field is resource access address information, which includes the merchant's second resource reception information.

[0194] A determination module 620 is configured to determine a target field according to the transaction mode of the electronic wallet. The target field is any one of the basic field and the extended field.

[0195] A parsing module 630 is configured to parse the graphic code based on the TLV format to obtain resource reception information, which includes the field data of the basic field and the field data of the extended field.

[0196] A payment module 640 is configured to perform a payment operation based on the field data of the target field.

[0197] The above payment device 600 is described in detail below, as follows:

[0198] In some embodiments, a payment control is integrated in the electronic wallet, and the target field is the basic field. Based on this, the payment module 640 may specifically include:

[0199] A first sending sub-module is configured to, when the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, send the first resource reception information to the overseas cross-border gateway via the background system of the electronic wallet, so as to send the first resource reception information to the acquiring system platform through the overseas cross-border gateway, so that the acquiring system platform generates a first order information based on the first resource reception information.

[0200] A first receiving sub-module is configured to receive the first order information returned by the acquiring system platform.

[0201] A first payment sub-module is configured to call the payment control and perform a payment operation based on the first order information.

[0202] In some embodiments, the first sending sub-module may specifically include:

[0203] A sending unit is configured to send the first resource reception information and the cross-border network identifier to the background system of the electronic wallet, so that the background system of the electronic wallet determines the cross-border gateway corresponding to the cross-border network identifier, and when the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, send the first resource reception information to the overseas cross-border gateway through the background system of the electronic wallet.

[0204] In some of these embodiments, the first resource receiving information further includes a resource clearing system platform identifier and an acquiring system platform identifier; the resource clearing system platform identifier and the acquiring system platform identifier are used to instruct the overseas cross-border gateway to send the first resource receiving information to the acquiring system platform corresponding to the acquiring system platform identifier via the clearing system corresponding to the clearing system platform identifier.

[0205] In some of these embodiments, a payment control is integrated in the e-wallet, and the target field is a basic field. Based on this, the payment module 640 may specifically include:

[0206] A second sending sub-module, configured to, when the cross-border gateway corresponding to the cross-border network identifier is a domestic cross-border gateway, send the first resource receiving information to the acquiring system platform via the background system of the e-wallet and the resource clearing system platform, so that the acquiring system platform generates a second order information based on the first resource receiving information;

[0207] A second receiving sub-module, configured to receive the second order information returned by the acquiring system platform;

[0208] A second payment sub-module, configured to call the payment control and perform a payment operation based on the second order information.

[0209] In some of these embodiments, a payment control is integrated in the e-wallet, and the target field is an extended field. Based on this, the payment module 640 may specifically include:

[0210] A first generating sub-module, configured to generate an order generation request based on the resource access address information;

[0211] A third sending sub-module, configured to send the order generation request to the acquiring system platform;

[0212] A third receiving sub-module, configured to receive a third order information returned by the acquiring system platform in response to the order generation request;

[0213] A third payment sub-module, configured to call the payment control and perform a payment operation based on the third order information.

[0214] In some of these embodiments, the resource access address information further includes the merchant's business information.

[0215] Based on this, the payment module 640 may specifically include:

[0216] A second generating sub-module, configured to generate a page generation request based on the business information in the resource access address information before generating an order generation request based on the resource access address information;

[0217] The fourth sending sub-module is configured to send a page generation request to the acquiring system platform, so that the acquiring system platform generates a target page corresponding to the service information in response to the page generation request;

[0218] The fourth receiving sub-module is configured to receive the page data corresponding to the target page returned by the acquiring system;

[0219] The display sub-module is configured to display the target page based on the page data;

[0220] The determination sub-module is configured to determine the target service data in response to a first input of a user to the target page.

[0221] Based on this, the first generation sub-module may specifically include:

[0222] The generation unit is configured to generate an order generation request based on the target service data and the second resource receiving information in the resource access address information.

[0223] In some embodiments, the service information includes preferential information. Based on this, the payment module 640 may specifically include:

[0224] The fourth payment sub-module is configured to call the payment control and perform a payment operation based on the third order information and the preferential information.

[0225] In some embodiments, the second resource receiving information includes the fourth order information. Based on this, the payment module 640 may specifically include:

[0226] The fifth payment sub-module is configured to call the payment control and perform a payment operation based on the second resource receiving information.

[0227] In the embodiments of the present application, the graphic code is encoded based on the TLV format for the resource receiving information of the merchant, and the graphic code includes a basic field and an extended field. Among them, the field data of the basic field includes the first resource receiving information of the merchant and the cross-border network identifier, and the field data of the extended field is the resource access address information, which includes the second resource receiving information of the merchant. Therefore, by parsing the graphic code based on the TLV format, the field data of the basic field and the field data of the extended field can be identified, and the first resource receiving information, the cross-border network identifier, and the resource access address information including the second resource receiving information can be obtained. Based on this, by determining the target field according to the transaction mode of the electronic wallet and performing the payment operation based on the field data of the target field, on the one hand, when the electronic wallet is an overseas electronic wallet, payment can be made based on the overseas cross-border gateway corresponding to the cross-border network identifier and the first resource receiving information, realizing the scan code payment of the overseas electronic wallet in China; on the other hand, when the electronic wallet is a domestic electronic wallet, payment can be made based on the resource access address information including the second resource receiving information, which is the same as the existing domestic scan code payment method. Thus, through the embodiments of the present application, it is possible to both be compatible with the scan code payment of overseas electronic wallets in China and minimize the impact on the existing domestic scan code payment method as much as possible.

[0228] Based on the payment method provided in the above embodiments, the embodiments of the present application also provide a specific implementation manner of the electronic device. Figure 7 FIG. 700 of the electronic device provided by the embodiments of the present application is shown.

[0229] The electronic device 700 may include a processor 710 and a memory 720 storing computer program instructions.

[0230] Specifically, the above-mentioned processor 710 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or one or more integrated circuits configured to implement the embodiments of the present application.

[0231] The memory 720 may include a mass storage for data or instructions. By way of example and not limitation, the memory 720 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive, or a combination of two or more of these. In a suitable case, the memory 720 may include a removable or non-removable (or fixed) medium. In a suitable case, the memory 720 may be inside or outside the electronic device 700. In a specific embodiment, the memory 720 is a non-volatile solid-state memory.

[0232] The memory may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage media device, an optical storage media device, a flash memory device, an electrical, optical, or other physical / tangible memory storage device. Thus, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to the first aspect of the present application.

[0233] The processor 710 reads and executes the computer program instructions stored in the memory 720 to implement any one of the payment methods in the above embodiments.

[0234] In one example, the electronic device 700 may further include a communication interface 730 and a bus 740. Among them, as Figure 7 shown, the processor 710, the memory 720, and the communication interface 730 are connected through the bus 740 to complete communication with each other.

[0235] The communication interface 730 is mainly used to implement communication between various modules, devices, units, and / or devices in the embodiments of the present application.

[0236] The bus 740 includes hardware, software, or both, and couples the components of the electronic device to each other. By way of example and not limitation, the bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a memory bus, a MicroChannel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local (VLB) bus, or other suitable buses or a combination of two or more of these. In a suitable case, the bus 740 may include one or more buses. Although the embodiments of the present application describe and illustrate specific buses, the present application contemplates any suitable bus or interconnect.

[0237] Exemplarily, the electronic device 700 may be a mobile phone, a tablet computer, a laptop computer, a handheld computer, an in-vehicle electronic device, an ultra-mobile personal computer (UMPC), a netbook, or a personal digital assistant (PDA), etc.

[0238] The electronic device can execute the payment method in the embodiments of the present application, so as to implement the combination of Figures 1 to 6 the described payment method and device.

[0239] In addition, in combination with the payment method in the above embodiments, the embodiments of the present application can be implemented by providing a computer-readable storage medium. Computer program instructions are stored on the computer-readable storage medium; when the computer program instructions are executed by a processor, any one of the payment methods in the above embodiments is implemented.

[0240] In combination with the payment method in the above embodiments, the embodiments of the present application can be implemented by providing a computer program product. When the instructions in the computer program product are executed by the processor of the electronic device, any one of the payment methods in the above embodiments is implemented.

[0241] It should be clear that the present application is not limited to the specific configurations and processes described above and shown in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of the present application is not limited to the specific steps described and shown. Those skilled in the art can make various changes, modifications, and additions, or change the order between steps after understanding the spirit of the present application.

[0242] The functional blocks shown in the above structural block diagrams can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it can be, for example, an electronic circuit, an application-specific integrated circuit (ASIC), appropriate firmware, a plug-in, a functional card, etc. When implemented in software, the elements of the present application are programs or code segments used to perform the required tasks. The program or code segment can be stored in a machine-readable medium or transmitted via a data signal carried in a carrier wave on a transmission medium or a communication link. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical discs, hard disks, fiber optic media, radio frequency (RF) links, etc. The code segment can be downloaded via a computer network such as the Internet, an intranet, etc.

[0243] It should also be noted that the exemplary embodiments mentioned in the present application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above steps, that is, the steps can be executed in the order mentioned in the embodiments, or different from the order in the embodiments, or several steps can be executed simultaneously.

[0244] As described above with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems) and computer program products according to embodiments of the present application. It should be understood that each block in the flowchart and / or block diagram, and the combination of blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device to produce a machine, such that the instructions executed by the processor of the computer or other programmable data processing device enable the implementation of the functions / actions specified in one or more blocks of the flowchart and / or block diagram. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field programmable logic circuit. It is also understood that each block in the block diagram and / or flowchart, and the combination of blocks in the block diagram and / or flowchart, can also be implemented by dedicated hardware that performs the specified functions or actions, or can be implemented by a combination of dedicated hardware and computer instructions.

[0245] As described above, the foregoing is only a specific implementation manner of the present application. Those skilled in the art can clearly understand that for the convenience and brevity of description, the specific working processes of the systems, modules, and units described above can refer to the corresponding processes in the foregoing method embodiments, and will not be described herein again. It should be understood that the protection scope of the present application is not limited thereto. Any person skilled in the art within the technical scope disclosed by the present application can easily think of various equivalent modifications or substitutions, and these modifications or substitutions should all be covered by the protection scope of the present application.

Claims

1. A payment method, characterized in that: Applied to an electronic wallet, the method comprises: Scan the merchant's graphic code for receiving resources, the graphic code is obtained by encoding the merchant's resource receiving information based on the type-length-value TLV format, and the graphic code includes a basic field and an extended field; the field data of the basic field includes the merchant's first resource receiving information and a cross-border network identifier, and the field data of the extended field is the resource access address information, and the resource access address information includes the merchant's second resource receiving information; Determine a target field according to the transaction mode of the electronic wallet, wherein the target field is any one of the basic field and the extended field; Parsing the graphic code based on the TLV format to obtain the resource reception information, wherein the resource reception information includes field data of the basic field and field data of the extended field; Based on the field data of the target field, a payment operation is performed.

2. The method according to claim 1, characterized in that The electronic wallet is integrated with a payment control, the target field is the basic field, and the payment operation is performed based on the field data of the target field, including: In the case where the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, the first resource reception information is sent to the overseas cross-border gateway via the backend system of the electronic wallet, so as to send the first resource reception information to the acquiring system platform through the overseas cross-border gateway, so that the acquiring system platform generates the first order information based on the first resource reception information; Receiving the first order information returned by the acquiring system platform; The payment control is called to perform a payment operation based on the first order information.

3. The method according to claim 2, characterized in that When the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, sending the first resource reception information to the overseas cross-border gateway via the backend system of the electronic wallet includes: The first resource reception information and the cross-border network identifier are sent to the background system of the electronic wallet so that the background system of the electronic wallet determines the cross-border gateway corresponding to the cross-border network identifier. When the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, the first resource reception information is sent to the overseas cross-border gateway through the background system of the electronic wallet.

4. The method according to claim 2 or 3, characterized in that: The first resource reception information also includes a resource clearing system platform identifier and an acquiring system platform identifier; the resource clearing system platform identifier and the acquiring system platform identifier are used to instruct the overseas cross-border gateway to send the first resource reception information to the acquiring system platform corresponding to the acquiring system platform identifier via the clearing system corresponding to the clearing system platform identifier.

5. The method according to claim 1, characterized in that The electronic wallet is integrated with a payment control, the target field is the basic field, and the payment operation is performed based on the field data of the target field, including: In the case where the cross-border gateway corresponding to the cross-border network identifier is a domestic cross-border gateway, the first resource reception information is sent to the acquiring system platform via the backend system of the electronic wallet and the resource clearing system platform, so that the acquiring system platform generates the second order information based on the first resource reception information; Receiving the second order information returned by the acquiring system platform; The payment control is called to perform a payment operation based on the second order information.

6. The method according to claim 1, characterized in that The electronic wallet is integrated with a payment control, the target field is the extended field, and the payment operation is performed based on the field data of the target field, including: generating an order generation request based on the resource access address information; Sending the order generation request to the acquiring system platform; Receiving third order information returned by the acquiring system platform in response to the order generation request; The payment control is called to perform a payment operation based on the third order information.

7. The method according to claim 6, characterized in that The resource access address information also includes the business information of the merchant. Before generating the order generation request based on the resource access address information, the method further includes: Generate a page generation request based on the business information in the resource access address information; Sending the page generation request to the acquiring system platform, so that the acquiring system platform generates a target page corresponding to the business information in response to the page generation request; Receiving page data corresponding to the target page returned by the acquiring system; Based on the page data, display the target page; In response to a first input of a user to the target page, determining target business data; The step of generating an order generation request based on the resource access address information includes: An order generation request is generated based on the target business data and the second resource reception information in the resource access address information.

8. The method according to claim 7, characterized in that The business information includes preferential information, and the calling of the payment control to perform a payment operation based on the third order information includes: The payment control is called to perform a payment operation based on the third order information and the discount information.

9. The method according to any one of claims 6 to 8, characterized in that: The second resource receiving information includes the fourth order information and the resource transfer value, and the payment operation is performed based on the field data of the target field, including: The payment control is called, information is received based on the second resource, and a payment operation is performed.

10. A payment device, characterized in that: Applied to an electronic wallet, the device comprises: A scanning module, used for scanning a graphic code used by a merchant to receive resources, wherein the graphic code is obtained by encoding the merchant's resource receiving information based on a type-length-value TLV format, and the graphic code includes a basic field and an extended field; the field data of the basic field includes the merchant's first resource receiving information and a cross-border network identifier, and the field data of the extended field is resource access address information, and the resource access address information includes the merchant's second resource receiving information; A determination module, used to determine a target field according to the transaction mode of the electronic wallet, wherein the target field is any one of the basic field and the extended field; A parsing module, used for parsing the graphic code based on the TLV format to obtain the resource reception information, wherein the resource reception information includes field data of the basic field and field data of the extended field; The payment module is used to perform a payment operation based on the field data of the target field.

11. An electronic device, characterized in that: The electronic device comprises: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the payment method according to any one of claims 1 to 9 is implemented.

12. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer program instructions, which, when executed by a processor, implement the payment method according to any one of claims 1 to 9.

13. A computer program product, characterized in that When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device executes the payment method as described in any one of claims 1 to 9.

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