Payment processing method and device, computer equipment and storage medium

Abstract

The embodiment of the invention discloses a payment processing method and device, computer equipment and a storage medium, and the method comprises the steps: obtaining a payment request initiated by a first object at a target client, the payment request being used for indicating the payment processing of a payment account of a second object at the target client, the second object is a payment association object of the first object, the second object comprises N payment accounts at the target client, and N is an integer greater than or equal to 1; grouping and screening the N payment accounts to obtain a target account group supporting execution of payment processing, the target account group including M payment accounts, M being an integer greater than or equal to 1 and less than or equal to N; and performing payment polling processing on the M payment accounts of the target account group to obtain a payment processing result corresponding to the payment request, thereby improving the success rate of online payment based on the associated accounts.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of computer, in particular to a payment processing method and device, computer equipment and storage medium. BACKGROUND

[0002] With the continuous development of computer technology, the online payment has become the mainstream payment method, and the current online payment mainly includes the payment function supported by instant messaging software or the online payment function provided by online banking. In order to enrich the current online payment method, the current online payment can also support the payment of the payment associated account of the object. However, the research shows that the current payment associated account based on the object has the problem of low success rate. Therefore, how to improve the success rate of the payment associated account for online payment has become a research hotspot. SUMMARY

[0003] The embodiment of the present application provides a payment processing method, device, computer equipment and storage medium, which can improve the success rate of online payment based on the associated account.

[0004] In one aspect, the embodiment of the present application provides a payment processing method, comprising:

[0005] obtaining a payment request initiated by a first object on a target client, the payment request being used to indicate that a payment account of a second object on the target client is used for payment processing, the second object being a payment associated object of the first object, the second object comprising N payment accounts on the target client, N being an integer greater than or equal to 1;

[0006] grouping and screening the N payment accounts to obtain a target account group supporting the payment processing, the target account group comprising M payment accounts, wherein 1≤M≤N, and M is an integer;

[0007] performing payment polling processing on the M payment accounts of the target account group to obtain a payment processing result corresponding to the payment request.

[0008] In another aspect, the embodiment of the present application provides a payment processing device, comprising:

[0009] an obtaining unit, configured to obtain a payment request initiated by a first object on a target client, the payment request being used to indicate that a payment account of a second object on the target client is used for payment processing, the second object being a payment associated object of the first object, the second object comprising N payment accounts on the target client, N being an integer greater than or equal to 1;

[0010] a processing unit, configured to perform a grouping screening process on the N payment accounts to obtain a target account group supporting the payment processing, the target account group containing M payment accounts, where 1≤M≤N and M is an integer;

[0011] The processing unit is further configured to perform a payment polling process on the M payment accounts in the target account group to obtain a payment processing result corresponding to the payment request.

[0012] In one embodiment, the processing unit is specifically configured to:

[0013] obtain a grouping screening rule, and determine whether each of the N payment accounts supports the payment processing according to the grouping screening rule;

[0014] add the payment accounts in the N payment accounts that are determined to support the payment processing to a target account group; and add the payment accounts that are not determined to support the payment processing to other account groups.

[0015] In one embodiment, the processing unit is specifically configured to:

[0016] perform a sorting process on the payment accounts in the N payment accounts that are determined to support the payment processing according to a sorting rule; the sorting rule contains at least one or more of the following: a rule of sorting the accounts according to payment habits, a rule of sorting the accounts according to a default order, and a rule of sorting the accounts according to a time sequence in which the accounts are added to the target client of the second object;

[0017] add the payment accounts after the sorting process to the target account group.

[0018] In one embodiment, the grouping screening rule contains a first screening rule for a payment scenario; and the processing unit is specifically configured to:

[0019] obtain a target payment scenario of the payment request in the target client, and determine a payment scenario supported by each of the N payment accounts;

[0020] when a payment account corresponds to a payment scenario containing the target payment scenario, determine that the payment account supports the payment processing.

[0021] In one embodiment, the grouping screening rule contains a second screening rule based on account validity; and the processing unit is specifically configured to:

[0022] perform account validity detection on each of the N payment accounts to obtain a corresponding validity detection result; the validity detection result is used to indicate whether an account validity period of the corresponding payment account is within a preset validity time range;

[0023] When the account validity period of one payment account is within the preset time range, it is determined that the one payment account supports performing the payment processing.

[0024] In one embodiment, the target account group contains M payment accounts arranged in sequence; and the processing unit is specifically configured to:

[0025] obtain a target arrangement sequence of the M payment accounts in the target account group;

[0026] perform payment polling processing on each payment account in the target account group in turn according to the target arrangement sequence;

[0027] generate a payment processing result corresponding to the payment request according to a result of the payment polling processing of each payment account.

[0028] In one embodiment, the processing unit is specifically configured to:

[0029] determine a current payment account currently performing payment polling processing from the target account group according to the target arrangement sequence, and attempt to perform the payment processing by using the current payment account;

[0030] If the current payment account successfully performs the payment processing, the polling processing is stopped.

[0031] In one embodiment, the processing unit is further configured to, if the current payment account fails to perform the payment processing, determine a next payment account of the current payment account from the target account group;

[0032] The obtaining unit is further configured to obtain polling discrimination information, the polling discrimination information being used to indicate whether the next payment account is used to attempt to perform the payment processing;

[0033] The processing unit is further configured to, when the polling discrimination information determines that the next payment account is used to attempt to perform the payment processing, trigger a step of attempting to perform the payment processing by using the next payment account; otherwise, stop the polling processing, and control to close the payment request initiated by the target client corresponding to the first object.

[0034] In one embodiment, the processing unit is specifically configured to:

[0035] determining, from the target account group, a payment account successfully performing the payment processing according to a payment polling processing result of each payment account in the target account group;

[0036] generating a payment processing result that the payment request has been successfully performed after the payment processing is successful.

[0037] In an embodiment, the processing unit is further configured to, after performing the payment polling processing on each payment account in the target account group, if no payment account for completing the payment processing is determined from the target account group, control to close the payment request initiated by the target client corresponding to the first object.

[0038] In an embodiment, the processing unit is further configured to perform a payment query processing on the payment request and acquire execution information of the payment request; the execution information is information that the payment request has been successfully performed or information that the payment request fails to perform.

[0039] The processing unit is further configured to send the execution information to the target client of the first object.

[0040] In an embodiment, the processing unit is further configured to acquire payment verification information of the second object as the payment associated object of the first object; the payment verification information includes at least one of the following: a friend relationship between the first object and the second object, a remaining number of electronic resources set by the second object for the first object, and support conditions of N payment accounts included in the second object for the payment request.

[0041] The processing unit is further configured to perform a verification processing on the second object by using the payment verification information, and trigger the step of performing the grouping and screening processing on the N payment accounts when the payment request is verified to be passed.

[0042] In another aspect, an embodiment of the present application provides a computer device, including a processor, an input device, an output device and a memory, the processor, the input device, the output device and the memory are connected to each other, wherein the memory is used to store a computer program supporting the computer device to perform the above method, the computer program includes program instructions, the processor is configured to call the program instructions to perform the following steps:

[0043] acquiring a payment request initiated by a first object on a target client, the payment request is used to indicate to perform a payment processing by using payment accounts of a second object on the target client, the second object is a payment associated object of the first object, the second object includes N payment accounts on the target client, N≥1 and is an integer;

[0044] grouping and screening the N payment accounts to obtain a target account group supporting the payment processing, the target account group containing M payment accounts, wherein 1≤M≤N, and M is an integer;

[0045] performing payment polling on the M payment accounts in the target account group to obtain a payment processing result corresponding to the payment request.

[0046] In another aspect, an embodiment of the present application provides a computer readable storage medium, the computer readable storage medium storing program instructions, the program instructions being executed by a processor to perform the payment processing method according to the first aspect.

[0047] In another aspect, an embodiment of the present application provides a computer program product, characterized in that the computer program product comprises computer programs or computer instructions, the computer programs or the computer instructions being executed by a processor to perform the payment processing method according to the first aspect.

[0048] In the embodiment of the present application, when the computer device obtains the payment request of the first object in the target client, the computer device can obtain N payment accounts of the second object in the target client when it is determined that the shared account of the second object providing payment sharing for the first object is available, and take the N payment accounts as the shared account provided by the second object for the first object. After determining the N shared accounts, the computer device can further perform grouping and screening on the N shared accounts, and perform payment polling on the available payment accounts obtained after the grouping and screening, so as to finally obtain the payment processing result of the payment request of the first object. This makes the computer device realize payment processing using the payment account of the second object associated with the first object in the target client in the process of processing the payment request of the first object in the target client. Based on the grouping and screening of the payment account of the second object by the computer device in the payment process and the payment polling, the computer device can effectively improve the success rate of executing the payment request of the first object while ensuring payment security. In addition, when the computer device performs payment processing on the payment request of the first object using the payment account of the second object, it will also perform single query processing and single closing processing without explicit error reporting, thereby effectively improving the execution reliability of the payment while ensuring the success rate of the payment request, and ultimately improving the user stickiness of the object based on the target client for payment processing. BRIEF DESCRIPTION OF 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 needed to be used in the embodiments description. Obviously, the drawings in the following description are some embodiments of the present application, and other drawings can also be obtained by those skilled in the art without any creative effort based on these drawings.

[0050] Figure 1 is a schematic diagram of a payment processing system provided by an embodiment of the present application;

[0051] Figure 2 is a schematic flow chart of a payment processing method provided by an embodiment of the present application;

[0052] Figure 3a is a schematic diagram of account sharing provided by an embodiment of the present application;

[0053] Figure 3b is a schematic diagram of completing account sharing provided by an embodiment of the present application;

[0054] Figure 3c is a schematic diagram of sharing notification after account sharing provided by an embodiment of the present application;

[0055] Figure 3d is a schematic diagram of sending an electronic resource package using a shared account provided by an embodiment of the present application;

[0056] Figure 4a is a schematic diagram of payment verification processing provided by an embodiment of the present application;

[0057] Figure 4b is a schematic diagram of grouping and screening processing provided by an embodiment of the present application;

[0058] Figure 4c is a schematic diagram of payment polling processing provided by an embodiment of the present application;

[0059] Figure 4d is another schematic diagram of payment polling processing provided by an embodiment of the present application;

[0060] Figure 5 is a schematic diagram of payment query processing provided by an embodiment of the present application;

[0061] Figure 6 is a schematic block diagram of a payment processing device provided by an embodiment of the present application;

[0062] Figure 7 is a schematic block diagram of a computer device provided by an embodiment of the present application. DETAILED DESCRIPTION

[0063] An embodiment of the present application proposes a payment processing method, which enables a computer device to determine N (N≥1 and an integer) payment accounts of a second object in a target client that has a payment association relationship with the first object after obtaining a payment request initiated by a first object in a target client. Then, the computer device can further perform group screening processing on the N payment accounts to obtain a target account group that supports the execution of the payment request. After determining the target account group, the computer device can perform payment polling processing on each payment account in the target account group to obtain a payment processing result corresponding to the payment request, thereby enabling the computer device to realize the payment initiated by the account of the payment-associated object to the current object. The request is processed, that is, the computer device realizes the account-linked payment on the target client, and when the computer device realizes the linked payment on the target client, by grouping and screening the payment accounts of the payment-linked object (that is, the second object mentioned above), the accounts that are subsequently subjected to payment polling processing are all accounts that support the execution of payment processing, and do not include accounts that do not support payment polling processing, thereby reducing the workload of the computer device for payment polling processing, and further realizing the saving of computing resources. Externally, based on the computer device's screening of the available target account group and payment polling processing, the payment success rate of the computer device can also be improved, thereby improving the object stickiness based on the target client for linked payment.

[0064] Among them, the target client is instant messaging software. In order to provide a more specific explanation of the payment processing method involved in the embodiment of the present application, the relevant concepts involved in the associated payment are briefly explained below.

[0065] (1) Associated accounts (or shared accounts): A payment shared account can be conveniently opened for friends on the target client, realizing a technical solution of "he spends, I pay". This is used to solve the problem that friends and relatives do not have available payment methods. After receiving a shared account given by a friend, the shared account can be used as a payment channel and payment processing can be carried out.

[0066] (2) Shared account gift card (giver): A social object can share the account with a friend object, thereby realizing payment association with the corresponding friend object. The friend objects shared with include the parents and children of the corresponding social object, etc.

[0067] (3) Shared account receiver (recipient): After a social object receives an instant messaging message from the card giver, the recipient can receive the shared account shared by the card giver.

[0068] (4) Shared account quota: when A shares an account with B, A can set a quota limit for B to use the shared account each month. B can use the shared account within the quota limit, for example: A shares an account with B and sets a quota limit of 3000 for each month. B can use the shared account within the quota limit of 3000.

[0069] (5) Shared account payment: B can use the shared account to make payments after receiving the shared account from A.

[0070] (6) Priority deduction method: the payment method set by the donor is used to transfer electronic resources first. After the transfer of electronic resources is completed, the donor of the shared account will receive a corresponding transfer prompt message.

[0071] (7) Payment error: the payment result is very clear, and the process can be terminated, such as: payment password error, insufficient remaining electronic resources, etc.

[0072] (8) Payment non-error: the payment result is not clear, and the order can be completed successfully by checking the order or re-paying, such as: request timeout, network exception, etc.

[0073] In order to enable the first object and the second object to implement associated payment in the target client, the first object and the second object will first establish a payment association relationship. Specifically, the second object can establish a payment association relationship with the first object through the account sharing function provided by the target client. After the first object and the second object establish a payment association relationship, if the payment association relationship is established by sharing the payment account of the second object to the first object, the payment request initiated by the first object in the target client can use the shared payment account of the second object for payment processing.

[0074] In one embodiment, the payment processing method can be applied to, for example Figure 1As shown in the payment processing system, the payment processing system includes the object device 10 corresponding to the first object and the computer device 11. When the computer device is a background processing device of the target client, the payment request initiated by the first object in the target client is sent to the computer device 11 for processing, and the payment account of the second object included in the target client is also recorded in the computer device 11. Therefore, the computer device 11 can, based on the payment association relationship between the first object and the second object, use the payment account of the second object in the target client to process the payment request initiated by the first object after obtaining the payment request initiated by the first object in the target client. In order to improve the success rate of payment processing based on the payment account of the second object, the computer device can first perform grouping screening on the payment account of the second object in the target client after obtaining the payment request, and then perform payment polling based on the grouping screening result, so as to improve the success rate of payment.

[0075] The object device 10 is a terminal device, and the terminal device is used to initiate a payment request. The terminal device includes but is not limited to a smart phone, a tablet computer, a smart wearable device, a smart voice interaction device, a smart home appliance, a personal computer, a vehicle-mounted terminal, and the like. The computer device 11 can be a terminal device or a server. The server can be a physical server, a server cluster composed of multiple physical servers, or a distributed system. The server can also be a cloud server that provides cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDN (Content Delivery Network), big data and artificial intelligence platforms, and the like. The number of servers is not limited.

[0076] For a specific description of the payment processing method of the embodiment of the present application, please refer to Figure 2 , which is a schematic flowchart of a payment processing method according to an embodiment of the present application. As shown in Figure 2 , the method can include the following steps.

[0077] S201, obtaining a payment request initiated by a first object in a target client, the payment request being used to indicate that a payment account of a second object in the target client is used for payment processing, the second object being a payment associated object of the first object, the second object including N payment accounts in the target client, N≥1 and being an integer.

[0078] The target client is a client supporting electronic resource transfer, such as an instant messaging software, and the payment request is generated when the first object requests electronic resource transfer through the target client, where the first object requesting electronic resource transfer through the target client can be any of the following scenarios: a payment scenario, a red envelope scenario, and the like. After the target client generates the payment request, the payment request can be sent to the computer device, so that the computer device obtains the payment request. After the computer device obtains the payment request, it can further determine whether there is a second object associated with the first object in the target client, and if so, obtain the N payment accounts of the second object in the target client.

[0079] In one embodiment, the payment association relationship between the first object and the second object can also be established based on the target client, where the first object and the second object can be associated based on the account sharing function in the target client. Next, the process of the second object sharing the account for the first object in the target client is described. Figure 3a The second object can share the account for other objects in the target client through the following path: My - Service - Electronic Resource Package - Shared Account. Further, the second object can select the shared object when sharing the account for other objects, select the object having a friend relationship in the target client as the account sharing object, set the total amount of electronic resources per month, and verify the payment password of the object. After the payment password is verified successfully, the account for preferentially transferring electronic resources can be set, that is, after the corresponding friend object obtains the shared account, the electronic resources in the shared account can be used to perform payment processing, and the electronic resources can be preferentially transferred from the preferential account set by the second object (i.e., the gift giver).

[0080] After the second object shares the account for the first object in the target client, the first object can use the account shared by the second object to perform payment processing in the target client, and the second object cannot use the account of the first object to perform payment processing in the target client. It can be understood that after the second object shares the account for the first object in the target client, the second object is the payment association object of the first object, and the N payment accounts contained in the target client of the second object are the payment shared accounts of the first object. For example, Figure 3a As shown in the interface labeled by 30 in FIG. 3, the interface where the electronic resource package is located contains an account sharing function option, such as Figure 3a As shown in the interface labeled by 30 in FIG. 3, the interface where the electronic resource package is located contains an account sharing function option, such asFigure 3a The function option marked by 301 is selected, and the account sharing interface is displayed, in which the shared account (i.e., the account shared by other objects to the second object, which is the payment sharing account of the second object), the shared account (i.e., the account shared by the second object), and the account sharing component (i.e., the component marked by 302) are included.

[0081] After the computer device determines that the account sharing component 302 is selected, the selection interface of the sharing object is displayed, so that the object (e.g., the first object, which can be the child object selected by the user A) for account sharing is determined in the selection interface of the sharing object. Figure 3a After the second object selects the object in the selection interface of the sharing object, the setting interface of the shared account is displayed, and based on the display of the setting interface, the second object can set the total amount of resources per month in the setting interface. It can be understood that the total amount of resources per month set by the second object in the setting interface is the maximum amount of electronic resources that the object (i.e., the first object) can use in the shared account per month, and once the amount of electronic resources used by the first object exceeds the maximum amount of electronic resources, the electronic resources in the shared account cannot be used for payment.

[0082] After the second object determines to share the account for the first object, a password verification process is required to ensure that the account sharing process is performed by the second object itself, thereby effectively preventing account risks caused by the account sharing function. The password verification process involved in the account sharing process of the second object can be as shown in Figure 3b The computer device can also output the priority setting interface of the payment method, which can be the interface marked by 31 as shown in Figure 3b Based on the output and display of the priority setting interface of the payment method, the second object can set the priority payment method in the priority setting interface, in which the priority payment method setting is used to make the first object perform the electronic resource transfer process in the order of the priority payment method set by the second object when the first object uses the account shared by the second object to transfer electronic resources.

[0083] Based on the above Figure 3a and Figure 3bThe process of setting up a shared account for the first object by the second object is as follows: after the computer device determines that the second object has completed setting up a shared account for the first object in the target application, the target application can send a communication message to the first object to remind the first object to receive the account shared by the second object. The first object can be user A and the second object can be user B. Then, the process of the first object receiving the account shared by the second object can be as follows: Figure 3c As shown, the interface for the second object to remind the first object to receive the shared account through a communication message can be as follows Figure 3c The interface marked by 32 in the figure, and the communication message sent is as follows Figure 3c After the first object receives the account shared by the second object, payment processing can be performed based on the shared account. Taking the payment processing as sending an electronic resource package as an example, the process of the first object using the shared account of the second object to send the electronic resource package can be as follows: Figure 3d As shown, in addition, the payment processing performed by the first object using the shared account of the second object can also be a face-to-face payment business scenario, such as various scenarios using the target client to scan the code for payment, or it can also be an online payment scenario, such as a payment scenario, etc.

[0084] Based on the account sharing performed by the second object for the first object, the first object can perform payment processing based on the payment account of the second object in the target client, that is, the computer device can use the N payment accounts contained in the target client of the second object to perform payment processing after obtaining the payment request initiated by the first object in the target client. When the computer device uses the N payment accounts of the second client to perform payment processing, it can first group and filter the N payment accounts, and then use the round-robin card payment method to implement it, that is, after obtaining the payment request initiated by the first object in the target client, the computer device groups and filters the N payment accounts of the second object in the target client, and then executes step S202.

[0085] S202 , performing grouping and screening processing on N payment accounts to obtain a target account group supporting payment processing, the target account group including M payment accounts, where 1≤M≤N is an integer.

[0086] After obtaining the payment request initiated by the first object and obtaining the N payment accounts of the second object that provide payment sharing for the first object, the computer device can perform grouping and screening processing on the N payment accounts, and perform payment processing based on the result of the grouping and screening. In a specific implementation, when it is determined that the N payment accounts of the second object need to be used to provide payment sharing for the first object, the computer device can first obtain payment verification information of the second object as a payment associated object of the first object; wherein the payment verification information includes at least one of the following: a friend relationship between the first object and the second object, a remaining electronic resource quantity set by the second object for the first object, and a support condition of the N payment accounts of the second object for the payment request; the payment verification information is used to verify the second object, and when the payment request is verified, the step of performing grouping and screening processing on the N payment accounts is triggered. In an embodiment, the computer device verifies the second object based on the payment verification information of the second object as follows:

[0087] 1. Verify whether the first object and the second object (i.e., the gift giver) still maintain a normal friend relationship;

[0088] 2. Determine the remaining electronic resource quantity based on the total amount of available electronic resources set by the second object for the first object and the amount of electronic resources used by the first object, and determine whether the available amount is sufficient in combination with a reference electronic resource quantity for transferring electronic resources according to the payment account request. When the determined remaining electronic resource quantity is greater than or equal to the reference electronic resource quantity, it is determined that the available amount is sufficient. Otherwise, it is determined that the verification fails.

[0089] 3. Verify whether at least one account in the N payment accounts of the second object supports executing the current payment request, otherwise it is determined that the verification fails.

[0090] In addition to the above payment verification processing of the computer device on the second object, since the first object can have multiple gift givers, i.e., other objects besides the second object can also share accounts for the first object, the computer device will treat each object as the second object and perform the process mentioned in the embodiments of the present application. Wherein, the computer device triggers the grouping and screening process after verifying the second object can be as shown in Figure 4a , wherein the computer device can support selecting a payment method using a shared account when selecting a payment method in a payment interface (such as the interface labeled by 40 in Figure 4a ).

[0091] In the grouping and screening process of the second object on the N payment accounts of the target client, the computer device can perform grouping and screening based on the grouping and screening rule. In a specific implementation, the computer device can first obtain the grouping and screening rule, and determine whether each payment account of the N payment accounts supports performing the payment processing according to the grouping and screening rule. In an embodiment, the grouping and screening rule includes a first screening rule for a payment scenario. Then, in the process of determining whether each payment account of the N payment accounts supports performing the payment processing according to the grouping and screening rule, the computer device can first obtain a target payment scenario of the payment request in the target client, and determine the payment scenarios supported by each payment account of the N payment accounts. Then, when a payment account corresponds to a payment scenario including the target payment scenario, the computer device can determine that the payment account supports performing the payment processing. In a specific implementation, if the payment scenario is a scenario of sending an electronic resource package, the first screening rule is used to specify the account attribute that does not support payment in the scenario of sending an electronic resource package. For example, in the embodiment of the present application, it can be specified that when the payment scenario is the scenario of sending an electronic resource package, and the account attribute of the shared account is the credit card attribute with overdraft function, the shared account is an account that does not support payment.

[0092] In another implementation, the grouping and screening rule can also be a second screening rule based on account validity. Then, in the process of determining whether each payment account of the N payment accounts supports performing the payment processing according to the grouping and screening rule, the computer device can perform account validity detection on each payment account of the N payment accounts to obtain a corresponding validity detection result. The validity detection result is used to indicate whether the account validity period of the corresponding payment account is within a preset validity time range. Then, when the account validity period of a payment account is within the preset time range, the computer device can determine that the payment account supports performing the payment processing. The account validity is used to indicate whether the corresponding payment account is available. When the payment account is in a frozen state or a maintenance state, the payment account is in an unavailable state. Then, the screening of the N payment accounts by the computer device based on the second screening rule can ensure that the screened payment accounts are available payment accounts.

[0093] In another implementation, in the grouping and screening process of the N payment accounts, the computer device can also use the first screening rule and the second screening rule together to screen the N payment accounts, so as to add the screened payment accounts to the target account group.

[0094] After the computer device determines whether each payment account supports performing the payment processing based on the grouping screening rule, the payment accounts of the N payment accounts that support performing the payment processing can be added to the target account group; and the payment accounts that do not support performing the payment processing are added to other account groups. In addition, the computer device can sort the payment accounts of the N payment accounts that support performing the payment processing according to a sorting rule when adding the payment accounts to the target account group; the sorting rule includes at least one or more of the following: a rule of sorting the accounts according to payment habits, a rule of sorting the accounts according to a default order, and a rule of sorting the accounts according to a time sequence of adding the accounts to the target client of the second object; and then the sorted payment accounts can be added to the target account group. That is, after the computer device performs the grouping screening on the N payment accounts included in the second object, the N payment accounts can be divided into a payment method group available to the first object and a payment account group unavailable to the first object, and the computer device can further sort the payment accounts in the groups to determine the final target account group and other account groups.

[0095] In one embodiment, the payment accounts included in the target account group determined by the computer device are M, that is, the M payment accounts are arranged in the target account group according to a specific sorting rule, and then the computer device can perform the round card payment based on the arrangement order of the M payment accounts in the target account group. The process of grouping and screening the N payment accounts included in the second object by the computer device can be as shown in FIG. 1. Figure 4b After the computer device groups and screens the N payment accounts included in the second object to obtain the target account group available to the first object and the other account group unavailable to the first object, if it is detected that the payment request initiated by the first object is not completed in the payment processing within the target time period, the computer device can trigger the grouping and screening of the payment accounts in the target account group and the payment accounts in the other account group again to update the target account group and the other account group, so as to improve the success rate of the payment request initiated by the first object based on the update.

[0096] In one embodiment, if the number of payment accounts included in the target account group obtained by the computer device after performing the grouping screening process is 0, it indicates that there is no shared account supporting the execution of the payment request, and in this case, the computer device can send a notification message to the first object that the payment request cannot be executed by using the shared account, so that the first object selects other appropriate ways to complete the payment request based on the notification message. After the computer device completes the grouping screening process on the M payment accounts supporting the execution of the payment process, the computer device can perform payment polling processing on the M payment accounts obtained by the grouping screening process, and obtain the corresponding payment processing result, i.e., proceed to step S203.

[0097] S203, performing payment polling processing on the M payment accounts in the target account group to obtain the payment processing result corresponding to the payment request.

[0098] Based on the result of the grouping screening process performed by the computer device on the N payment accounts of the second object in the target client, the computer device can provide the first object with payment services by using the payment accounts in the target account group obtained by the grouping screening process. In a specific implementation, since the target account group includes M payment accounts arranged in sequence, when the computer device performs payment polling processing on the M payment accounts in the target account group to obtain the payment processing result corresponding to the payment request, the computer device can obtain the target arrangement order of the M payment accounts in the target account group. Then, the computer device can perform payment polling processing on each payment account in the target account group in turn according to the target arrangement order, and further generate the payment processing result corresponding to the payment request according to the result of the payment polling processing of each payment account. The sequence in which the M payment accounts in the target account group are arranged in sequence can be shown as the sequence marked by 41 in FIG. 4, and based on the division of the target account group and other account groups by the computer device, the accounts included in the other account groups can be displayed to the display interface of the first object or can not be displayed to the display interface of the target application program in which the first object is located. Figure 4b

[0099] ​Based on the computer device ranking M payment accounts in the target account group, when the computer device performs payment polling processing on each payment account in the target account group in turn according to the target ranking order, the computer device can first determine a current payment account for performing payment polling processing according to the target ranking order from the target account group, and then attempt to perform payment processing using the current payment account; if the current payment account successfully performs payment processing, the polling processing is stopped; if the computer device determines that the current payment account fails to perform payment processing, the computer device then determines a next payment account of the current payment account from the target account group; then, the polling discrimination information is obtained, which is used to indicate whether to attempt to perform payment processing using the next payment account; when the polling discrimination information determines to attempt to perform payment processing using the next payment account, a step of attempting to perform payment processing using the next payment account is triggered; otherwise, the polling processing is stopped, and the computer device controls to close the payment request initiated by the first object through the target client.

[0100] In one embodiment, the payment polling processing performed by the computer device on each payment account in the target account group is a kind of attempt payment processing, and the specific process of performing payment polling processing on a certain payment account is as follows: the target application determines the amount of remaining electronic resources in the payment account through the account institution where the payment account is located, and determines the amount of to-be-paid electronic resources corresponding to the payment request, and compares the amount of remaining electronic resources in the payment account with the amount of to-be-paid electronic resources. When the amount of remaining electronic resources is greater than or equal to the amount of to-be-paid electronic resources, it is determined that the payment account can be used to complete payment processing, otherwise, it is determined that the payment account cannot be used to complete payment processing. The above-mentioned polling payment process can also be called card polling payment, and the process of the computer device performing payment polling processing on M payment accounts in the target account group can be as shown in the following table: Figure 4c When the computer device performs payment attempt processing on the selected payment accounts, the computer device only performs polling processing on the available payment accounts (i.e. each payment account in the target payment account group) once, that is, when the computer device polls each payment account in the target account group once and does not find a payment account for performing the payment request, the computer device triggers to perform close processing (i.e. triggers to close the payment request).

[0101] That is, when the computer device generates a payment processing result corresponding to a payment request based on the payment polling processing results of each payment account, it can first determine the payment account that successfully executed the payment processing from the target account group based on the payment polling processing results of each payment account in the target account group; and then, after the payment processing is successful, it can generate a payment processing result indicating that the payment request has been successfully executed. After the computer device performs payment polling processing on each payment account of the target account, if the payment account used to complete the payment processing is not determined from the target account group, the payment request initiated by the target client corresponding to the first object is controlled to be closed. In addition, the computer device can also perform payment query processing on the payment request and obtain execution information of the payment request; the execution information is: information that the payment request has been successfully executed, or information that the payment request execution failed; and the execution information is sent to the target client of the first object.

[0102] When the computer device performs payment polling processing on the M payment accounts in the target account group to complete the payment processing result corresponding to the payment request, in addition to determining a payment account from the target account group to execute the payment request based on the payment polling processing, in another implementation, the computer device may also use at least two payment accounts from the target account group in sequence to complete the payment processing based on the payment polling processing. Figure 4d As shown, if the amount of electronic resources to be paid corresponding to the payment request is 5, the remaining amount of electronic resources corresponding to the change account in the target account group is 2, the remaining amount of electronic resources of the account corresponding to resource institution A is 1, the remaining amount of electronic resources of the account corresponding to resource institution C is 6, and the remaining amount of electronic resources of the account corresponding to the Zero-Balance Pass is 10, then, when the computer device performs payment polling processing on the target account group, since the remaining amount of electronic resources in the change account in the target account group is 2, all the remaining electronic resources in the change account are first used for prepayment processing. Then, at this time, the amount of electronic resources to be paid becomes 3, and the remaining amount of electronic resources corresponding to the account of resource institution A is further queried. When it is determined to be 1, all the remaining amount of electronic resources corresponding to the account of resource institution A is used for prepayment processing. After prepayment processing using both the change account and the account corresponding to resource institution A, there are still 2 electronic resources to be paid. Therefore, the computer device needs to continue polling. Since the remaining electronic resources in the account corresponding to resource institution C are 6, the computer device can use the account corresponding to resource institution C to pay for the remaining 2 electronic resources to be paid, thereby completing the payment request. It can be understood that the payment processing result obtained using this payment polling method is the result of payment processing combined with the change account, the account corresponding to resource institution A, and the account corresponding to resource institution C.

[0103] In the payment processing flow through the shared account, the payment flow of the shared account adopts the round card payment (i.e. payment polling) mode, for example: there are four payment modes in the payment side of the target application of the card issuer, such as the above-mentioned payment by the cash account, payment by the account of the A resource institution, payment by the account of the C resource institution, and payment by the cash pass account, and the preferred payment mode set when the card is given (i.e. when the account is shared) is the payment by the cash account. Therefore, when the receiver selects the shared account for payment, if the payment processing fails by using the preferred payment mode, the receiver will continue to try to use the A resource institution account, the C resource institution account, and the cash pass account for payment, until all accounts are processed once and the payment polling is ended. Based on the above, to implement the round card payment technology, the following verification actions need to be performed: judging whether the shared account is available, grouping and filtering all available payment accounts of an object in the target client, performing round card payment on the filtered payment accounts, and performing single processing and asynchronous single processing on the payment non-explicit failure error client.

[0104] In order to ensure the security of the payment processing by using the payment account shared by the second object for the first object, the following describes the process of the computer device performing single processing and background asynchronous single processing on the non-explicit failure error in the payment processing process, which specifically includes the following five steps. Figure 5

[0105] ① The first object selects the shared account, inputs the payment password to initiate the payment request, the target application requests the social payment server to pay the order, and queries the payment mode list of the card issuer (i.e. the second object) of the shared account in the target application, prepares the shared account payment round card information, and filters the available payment mode list of the shared account card issuer.

[0106] ② Perform the shared account payment round card in the filtered order, perform the payment payment deduction, and get the payment processing result.

[0107] ③ If the round card payment is successful, the payment flow is ended, and the payment result is returned to the first object.

[0108] ④ If the payment is explicitly failed, it is judged whether the next payment mode can be continued to be cycled and polled, all payment modes are failed, and finally an error is reported. Then, the payment quick single processing is performed, the single processing is performed through the social payment queue server (MQ server), the payment flow is ended, and the payment result is returned.

[0109] ​⑤Payment of non-explicit failure, payment is not explicit, and the card cannot continue to rotate, prevent repeated deduction, execute the single operation, through the social payment MQ server to close the single, and the social payment server returns the payment check single to the client, the client opens the payment check single, the client tries to pay the check single, if the payment is successful, return the payment success, otherwise return the payment failure.

[0110] In the embodiment of the present application, when the computer device obtains the payment request of the first object in the target client, the computer device can obtain N payment accounts of the second object in the target client when it is determined that the shared account of the second object providing payment sharing for the first object is available, and take the N payment accounts as the shared account provided by the second object for the first object. After determining the N shared accounts, the computer device can further perform grouping and screening processing on the N shared accounts, and perform payment polling processing on the available payment accounts obtained after grouping and screening, thereby finally obtaining the payment processing result for the payment request of the first object. The computer device realizes payment processing using the payment account of the second object associated with the first object in the target client in the process of processing the payment request of the first object in the target client. Based on the grouping and screening processing and the payment polling processing of the payment account of the second object by the computer device in the payment process, the computer device can effectively improve the success rate of executing the payment request of the first object while ensuring payment security. In addition, when the computer device performs payment processing on the payment request of the first object using the payment account of the second object, it will also perform single check processing and single closing processing in the case of non-explicit error, thereby effectively improving the execution reliability of the payment while ensuring the execution success rate of the payment request, and ultimately improving the user stickiness of the object based on the target client for payment processing.

[0111] Based on the description of the above payment processing method embodiment, the embodiment of the present application further proposes a payment processing device, which can be a computer program (including program code) running in the above computer device. The payment processing device can be used to execute the payment processing method as described above, please refer to Figure 2 , the payment processing device includes an acquisition unit 601 and a processing unit 602. Figure 6

[0112] The acquisition unit 601 is configured to acquire a payment request initiated by a first object in a target client, the payment request being used to indicate that a payment account of a second object in the target client is used for payment processing, the second object being a payment associated object of the first object, the second object including N payment accounts in the target client, N≥1 and being an integer;

[0113] ​The processing unit 602 is configured to perform grouping and screening processing on the N payment accounts to obtain a target account group supporting the payment processing, the target account group including M payment accounts, where 1≤M≤N, and M is an integer.

[0114] The processing unit 602 is further configured to perform payment polling processing on the M payment accounts in the target account group to obtain a payment processing result corresponding to the payment request.

[0115] In an embodiment, the processing unit 602 is specifically configured to:

[0116] obtain a grouping and screening rule, and determine whether each of the N payment accounts supports the payment processing according to the grouping and screening rule;

[0117] add the payment accounts in the N payment accounts that are determined to support the payment processing to a target account group, and add the payment accounts that are not determined to support the payment processing to other account groups.

[0118] In an embodiment, the processing unit 602 is specifically configured to:

[0119] perform sorting processing on the payment accounts in the N payment accounts that are determined to support the payment processing according to a sorting rule; the sorting rule includes at least one or more of the following: a rule of sorting the accounts according to payment habits, a rule of sorting the accounts according to a default order, and a rule of sorting the accounts according to a time sequence in which the accounts are added to the target client of the second object;

[0120] add the payment accounts after the sorting processing to the target account group.

[0121] In an embodiment, the grouping and screening rule includes a first screening rule for a payment scenario; the processing unit 602 is specifically configured to:

[0122] obtain a target payment scenario of the payment request in the target client, and determine a payment scenario supported by each of the N payment accounts;

[0123] when the payment scenario corresponding to a payment account includes the target payment scenario, it is determined that the payment account supports the payment processing.

[0124] In an embodiment, the grouping and screening rule includes a second screening rule based on account validity; the processing unit 602 is specifically configured to:

[0125] perform account validity detection on each of the N payment accounts to obtain a corresponding validity detection result; the validity detection result is used to indicate whether an account validity period of the corresponding payment account is within a preset validity time range;

[0126] When the account validity period of one payment account is within the preset time range, it is determined that the one payment account supports performing the payment processing.

[0127] In one embodiment, the target account group contains M payment accounts arranged in sequence; the processing unit 602 is specifically configured to:

[0128] obtain a target arrangement sequence of the M payment accounts in the target account group;

[0129] perform payment polling processing on each payment account in the target account group in turn according to the target arrangement sequence;

[0130] generate a payment processing result corresponding to the payment request according to a result of the payment polling processing of each payment account.

[0131] In one embodiment, the processing unit 602 is specifically configured to:

[0132] determine a current payment account currently performing payment polling processing from the target account group according to the target arrangement sequence, and attempt to perform the payment processing by using the current payment account;

[0133] If the current payment account successfully performs the payment processing, the polling processing is stopped.

[0134] In one embodiment, the processing unit 602 is further configured to, if the current payment account fails to perform the payment processing, determine a next payment account of the current payment account from the target account group;

[0135] The obtaining unit 601 is further configured to obtain polling discrimination information, the polling discrimination information being used to indicate whether the next payment account is used to attempt to perform the payment processing;

[0136] The processing unit 602 is further configured to, when the polling discrimination information determines that the next payment account is used to attempt to perform the payment processing, trigger a step of attempting to perform the payment processing by using the next payment account; otherwise, stop the polling processing, and control to close the payment request initiated by the target client corresponding to the first object.

[0137] In one embodiment, the processing unit 602 is specifically configured to:

[0138] determining, from the target account group, a payment account successfully performing the payment processing according to a payment polling processing result of each payment account in the target account group;

[0139] generating a payment processing result that the payment request has been successfully performed after the payment processing is successful.

[0140] In an embodiment, the processing unit 602 is further configured to, after performing the payment polling processing on each payment account of the target account, if no payment account for completing the payment processing is determined from the target account group, control to close the payment request initiated by the target client corresponding to the first object.

[0141] In an embodiment, the processing unit 602 is further configured to perform a payment query processing on the payment request and obtain execution information of the payment request; the execution information is information that the payment request has been successfully performed or information that the payment request has failed to be performed.

[0142] The processing unit 602 is further configured to send the execution information to the target client of the first object.

[0143] In an embodiment, the processing unit 601 is further configured to, when the second object is obtained as the payment associated object of the first object, obtain payment verification information of the second object; the payment verification information includes at least one of the following: a friend relationship between the first object and the second object, a remaining number of electronic resources set by the second object for the first object, and a support situation of N payment accounts included in the second object for the payment request.

[0144] The processing unit 602 is further configured to perform a verification processing on the second object by using the payment verification information, and trigger the step of performing the grouping and screening processing on the N payment accounts when the payment request is verified to be passed.

[0145] In the embodiment of the present application, when the obtaining unit 601 obtains the payment request of the first object in the target client, the obtaining unit 601 can further obtain N payment accounts of the second object in the target client when it is determined that the second object provides the shared account of the payment for the first object. After determining the N shared accounts, the processing unit 602 can further perform grouping screening processing on the N shared accounts, and perform payment polling processing on the available payment accounts obtained after the grouping screening, so as to finally obtain the payment processing result of the payment request of the first object. Thus, in the process of processing the payment request of the first object in the target client, the payment processing is performed by using the payment account of the second object associated with the first object in the target client. Based on the grouping screening processing and the payment polling processing of the payment account of the second object in the payment process by the computer device, the success rate of executing the payment request of the first object can be effectively improved while ensuring the payment security. In addition, the processing unit 602 will perform single checking processing and single closing processing when the payment request of the first object is processed by using the payment account of the second object without explicit error reporting. Thus, the execution reliability of the payment is effectively improved while ensuring the success rate of the payment request, and finally the user stickiness of the object based on the target client for payment processing is improved.

[0146] Please refer to Figure 7 is a structural schematic block diagram of a computer device provided by an embodiment of the present application. As shown in the embodiment of the present application, Figure 7 The computer device in the embodiment can include one or more processors 701, one or more input devices 702, one or more output devices 703 and a memory 704. The above-mentioned processor 701, input device 702, output device 703 and memory 704 are connected through a bus 705. The memory 704 is used to store a computer program, and the computer program includes program instructions. The processor 701 is used to execute the program instructions stored in the memory 704.

[0147] The memory 704 can include a volatile memory such as a random-access memory (RAM), and the memory 704 can also include a non-volatile memory such as a flash memory, a solid-state drive (SSD) and the like. The memory 704 can also include a combination of the above-mentioned kinds of memories.

[0148] The processor 701 can be a central processing unit (CPU). The processor 701 can further include a hardware chip. The hardware chip can be an application-specific integrated circuit (ASIC), a programmable logic device (PLD), or the like. The PLD can be a field-programmable gate array (FPGA), a generic array logic (GAL), or the like. The processor 701 can also be a combination of the above structures.

[0149] In an embodiment of the present application, the memory 704 is configured to store a computer program, and the processor 701 is configured to execute program instructions stored in the memory 704 to implement the steps of the above-mentioned method. Figure 2

[0150] In an embodiment, the processor 701 is configured to execute the program instructions to perform the following steps.

[0151] obtaining a payment request initiated by a first object at a target client, the payment request being used to indicate that a payment processing is performed by using a payment account of a second object at the target client, the second object being a payment associated object of the first object, the second object including N payment accounts at the target client, N being an integer greater than or equal to 1;

[0152] grouping and screening the N payment accounts to obtain a target account group supporting the payment processing, the target account group including M payment accounts, where 1≤M≤N and M is an integer;

[0153] performing a payment polling process on the M payment accounts in the target account group to obtain a payment processing result corresponding to the payment request.

[0154] In an embodiment, the processor 701 is configured to execute the program instructions to perform the following steps.

[0155] obtaining a grouping and screening rule, and determining whether each payment account in the N payment accounts supports the payment processing according to the grouping and screening rule;

[0156] adding the payment accounts in the N payment accounts that are determined to support the payment processing to a target account group; and adding the payment accounts in the N payment accounts that are not determined to support the payment processing to other account groups. ​

[0157] In one embodiment, the processor 701 is configured to invoke the program instructions for performing:

[0158] sorting the payment accounts in the N payment accounts that are determined to support performing the payment processing according to a sorting rule; the sorting rule comprises at least one or more of the following: a rule of sorting the accounts according to payment habits, a rule of sorting the accounts according to a default order, and a rule of sorting the accounts according to a time order of adding the accounts to the target client of the second object;

[0159] adding the sorted payment accounts to the target account group.

[0160] In one embodiment, the grouping screening rule comprises a first screening rule for a payment scenario; the processor 701 is configured to invoke the program instructions for performing:

[0161] obtaining a target payment scenario in the target client for the payment request, and determining a payment scenario supported by each payment account in the N payment accounts;

[0162] when a payment account corresponds to a payment scenario that includes the target payment scenario, determining that the payment account supports performing the payment processing.

[0163] In one embodiment, the grouping screening rule comprises a second screening rule based on account validity; the processor 701 is configured to invoke the program instructions for performing:

[0164] performing account validity detection on each payment account in the N payment accounts to obtain a corresponding validity detection result; the validity detection result is used to indicate whether an account validity period of the corresponding payment account is within a preset validity time range;

[0165] when an account validity period of a payment account is within the preset time range, determining that the payment account supports performing the payment processing.

[0166] In one embodiment, the target account group comprises M payment accounts arranged in sequence; the processor 701 is configured to invoke the program instructions for performing:

[0167] obtaining a target arrangement order of the M payment accounts in the target account group;

[0168] performing payment polling processing on each payment account in the target account group in turn according to the target arrangement order;

[0169] generating a payment processing result corresponding to the payment request according to a result of the payment polling processing of each payment account.

[0170] In one embodiment, the processor 701 is configured to invoke the program instructions to perform:

[0171] determining a current payment account from the target account group to perform the payment polling process according to the target arrangement order, and attempting to perform the payment process using the current payment account;

[0172] stopping the polling process if the current payment account successfully performs the payment process.

[0173] In one embodiment, the processor 701 is configured to invoke the program instructions to perform:

[0174] determining a next payment account of the current payment account from the target account group if the current payment account fails to perform the payment process;

[0175] obtaining polling discrimination information, the polling discrimination information being used to indicate whether to attempt to perform the payment process using the next payment account;

[0176] triggering a step of attempting to perform the payment process using the next payment account when the polling discrimination information determines to attempt to perform the payment process using the next payment account; otherwise, stopping the polling process and controlling to close the payment request initiated by the target client corresponding to the first object.

[0177] In one embodiment, the processor 701 is configured to invoke the program instructions to perform:

[0178] determining a payment account from the target account group to successfully perform the payment process according to a payment polling process result of each payment account in the target account group;

[0179] generating a payment process result that the payment request has been successfully performed after the payment process is successful.

[0180] In one embodiment, the processor 701 is configured to invoke the program instructions to perform:

[0181] controlling to close the payment request initiated by the target client corresponding to the first object if no payment account is determined from the target account group to complete the payment process after performing the payment polling process on each payment account of the target account.

[0182] In one embodiment, the processor 701 is configured to invoke the program instructions to perform:

[0183] The payment request is processed for a payment query, and execution information of the payment request is obtained; the execution information is information that the payment request has been successfully executed, or information that the payment request execution fails;

[0184] The execution information is sent to a target client of the first object.

[0185] In one embodiment, the processor 701 is configured to invoke the program instructions for performing:

[0186] When the second object is obtained as the payment associated object of the first object, payment verification information of the second object is obtained; the payment verification information includes at least one of the following: a friend relationship between the first object and the second object, a remaining number of electronic resources set by the second object for the first object, and support of N payment accounts included in the second object for the payment request;

[0187] The payment verification information is used to perform verification processing on the second object, and when the payment request is verified to be passed, a step of performing grouping and screening processing on the N payment accounts is triggered.

[0188] The embodiment of the present application provides a computer program product or a computer program, the computer program product or the computer program includes computer instructions stored in a computer readable storage medium. The processor of the 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 method embodiment as shown in the above. Figure 2 The computer readable storage medium can be a disk, an optical disk, a read-only memory (ROM) or a random access memory (RAM), etc.

[0189] The above only discloses partial embodiments of the present application, and of course cannot limit the scope of the present application, and those skilled in the art can understand that all or part of the above-mentioned embodiments can be implemented, and equivalent changes made according to the claims of the present application still belong to the scope of the present application.

Claims

1. A payment processing method characterized by, The method comprises: obtaining a payment request initiated by a first object at a target client, the payment request being used to indicate that a payment processing is performed by using a payment account of a second object at the target client, the second object being a payment associated object of the first object, the second object containing N payment accounts at the target client, N being an integer greater than or equal to 1; performing grouping and screening processing on the N payment accounts to obtain a target account group supporting the payment processing, the target account group containing M payment accounts, 1≤M≤N, and M being an integer; performing payment polling processing on the M payment accounts in the target account group to obtain a payment processing result corresponding to the payment request.

2. The method of claim 1, wherein, The grouping and screening processing on the N payment accounts to obtain the target account group supporting the payment processing comprises: obtaining a grouping and screening rule, and determining whether each payment account in the N payment accounts supports the payment processing according to the grouping and screening rule; adding the payment account in the N payment accounts that is determined to support the payment processing to the target account group; and adding the payment account in the N payment accounts that is not determined to support the payment processing to another account group.

3. The method of claim 2, wherein, The adding of the payment account in the N payment accounts that is determined to support the payment processing to the target account group comprises: performing sorting processing on the payment account in the N payment accounts that is determined to support the payment processing according to a sorting rule; the sorting rule comprises at least one or more of the following: a rule of sorting the account according to a payment habit, a rule of sorting the account according to a default order, and a rule of sorting the account according to a time order in which the account is added to the target client of the second object; adding the sorted payment account to the target account group.

4. The method of claim 2, wherein, The grouping and screening rule comprises a first screening rule for a payment scenario; and the determining of whether each payment account in the N payment accounts supports the payment processing according to the grouping and screening rule comprises: obtaining a target payment scenario of the payment request in the target client, and determining a payment scenario supported by each payment account in the N payment accounts; when the target payment scenario is included in the payment scenario corresponding to a payment account, it is determined that the payment account supports the payment processing.

5. The method of claim 2, wherein, The grouping and screening rule comprises a second screening rule based on account validity; and the determining of whether each payment account in the N payment accounts supports the payment processing according to the grouping and screening rule comprises: performing account validity detection on each payment account in the N payment accounts to obtain a corresponding validity detection result; the validity detection result is used to indicate whether an account validity period of the corresponding payment account is within a preset validity time range; when the account validity period of a payment account is within the preset time range, it is determined that the payment account supports the payment processing.

6. The method of claim 1, wherein, The M payment accounts included in the target account group are arranged in sequence; the M payment accounts in the target account group are subjected to payment polling processing, and a payment processing result corresponding to the payment request is obtained, including: obtaining a target arrangement order of the M payment accounts in the target account group; performing payment polling processing on each payment account in the target account group in turn according to the target arrangement order; generating a payment processing result corresponding to the payment request according to the result of the payment polling processing of each payment account.

7. The method of claim 6, wherein, The payment polling processing on each payment account in the target account group in turn according to the target arrangement order includes: determining a current payment account currently subjected to payment polling processing from the target account group according to the target arrangement order, and attempting to perform the payment processing using the current payment account; if the current payment account successfully performs the payment processing, stopping the polling processing.

8. The method of claim 7, wherein, The method further includes: if the current payment account fails to perform the payment processing, determining a next payment account of the current payment account from the target account group; obtaining polling discrimination information, which is used to indicate whether to attempt to perform the payment processing using the next payment account; when the polling discrimination information determines to attempt to perform the payment processing using the next payment account, triggering the step of attempting to perform the payment processing using the next payment account; otherwise, stopping the polling processing and controlling to close the payment request initiated by the target client corresponding to the first object.

9. The method of claim 6, wherein, The payment processing result corresponding to the payment request is generated according to the result of the payment polling processing of each payment account in the target account group, including: determining a payment account successfully performing the payment processing from the target account group according to the result of the payment polling processing of each payment account in the target account group; generating a payment processing result that the payment request has been successfully performed after the payment processing is successful.

10. The method of claim 1, wherein, The method further includes: after the payment polling processing is performed on each payment account in the target account group, if a payment account used to complete the payment processing is not determined from the target account group, controlling to close the payment request initiated by the target client corresponding to the first object.

11. The method of claim 10, wherein, The method further includes: performing payment query processing on the payment request and obtaining execution information of the payment request; the execution information is information that the payment request has been successfully performed, or information that the payment request has failed to be performed; sending the execution information to the target client of the first object.

12. The method of claim 1, wherein, The method further includes: obtaining payment verification information of the second object when the second object is used as a payment associated object of the first object; the payment verification information includes at least one of the following: a friend relationship between the first object and the second object, a remaining number of electronic resources set by the second object for the first object, and a support condition of N payment accounts included in the second object for the payment request; The payment verification information is used to verify the second object, and when the payment request is verified to be passed, a step of performing grouping and screening processing on the N payment accounts is triggered.

13. A payment processing apparatus, characterized by, Comprise: An acquisition unit is configured to acquire a payment request initiated by a first object at a target client, the payment request being used to indicate that a payment processing is performed by using payment accounts of a second object at the target client, the second object being a payment associated object of the first object, the second object containing N payment accounts at the target client, N being an integer greater than or equal to 1; A processing unit is configured to perform grouping and screening processing on the N payment accounts to obtain a target account group supporting the payment processing, the target account group containing M payment accounts, 1≤M≤N, and M being an integer; The processing unit is further configured to perform payment polling processing on the M payment accounts of the target account group to obtain a payment processing result corresponding to the payment request.

14. A computer device, comprising: The computer readable storage medium stores a computer program, the computer program includes program instructions, and the processor is configured to invoke the program instructions to execute the method in any one of claims 1-12.

15. A computer readable storage medium, characterized in that, The computer readable storage medium stores a computer program, the computer program includes program instructions, and the processor is configured to invoke the program instructions to execute the method in any one of claims 1-12.

16. A computer program product, characterised in that, The computer program product includes a computer program or computer instructions, and the computer program or computer instructions are executed by the processor to execute the method in any one of claims 1-12.

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