Payment method, wallet system, and storage medium

Abstract

Embodiments of the present specification provide a payment method, a wallet system and a storage medium. In the method, a payment request corresponding to a target order is received, the payment request representing that the target order is paid through a target payment medium and a currency requested for payment is a first currency; in the case that there is no first balance account in the target payment medium capable of paying the target order in the first currency, a second balance account corresponding to a second currency is determined in the target payment medium, and then the target order is paid by using the second balance account, and the payment process includes at least one currency exchange operation.

Description

[0001] This application is a divisional application of the patent application filed on September 8, 2025, with application number 2025112793233, entitled "Payment Method, Wallet System and Storage Medium". Technical Field

[0002] This specification relates to the field of Internet technology, and in particular to a payment method, wallet system and storage medium. Background Technology

[0003] With the development of global technology and the popularization of Internet technology, information transmission and communication have become more convenient, consumption scenarios have become more diverse, and payment services have gradually covered multiple consumption scenarios such as online, offline, and cross-border.

[0004] In cross-border scenarios, users' transactions are no longer limited to local merchants. When transacting with merchants in other regions, users need to pay in currencies other than their local currency. If users frequently transact with different merchants in other regions, they will need to exchange currencies frequently, which is time-consuming and affects the user's payment experience.

[0005] The information in the background section is merely information known only to the inventor and does not imply that such information had entered the public domain before the date of this application, nor does it imply that it can be considered prior art in this disclosure. Summary of the Invention

[0006] This manual provides a payment method, wallet system, and storage medium that eliminates the need for users to exchange currency themselves in cross-border scenarios, reducing the time spent on currency exchange during the payment process and improving the user's payment experience.

[0007] In a first aspect, this specification provides a payment method, comprising: receiving a payment request corresponding to a target order, the payment request indicating payment for the target order through a target payment medium and the requested currency being a first currency, the target payment medium including at least one balance account corresponding to the first currency; if there is no first balance account in the target payment medium capable of paying the target order in the first currency, determining a second balance account in the target payment medium corresponding to a second currency; and then using the second balance account to process the payment for the target order, the payment processing including at least one currency exchange operation.

[0008] In some embodiments, the method further includes: during the payment processing, determining the amount of profit or loss generated by the currency exchange operation, and managing the amount of profit or loss using a profit or loss account.

[0009] In some embodiments, the payment request further represents a first amount corresponding to the first currency, and the payment processing of the target order using the second balance account includes: converting the first amount corresponding to the first currency into a second amount corresponding to the second currency, and deducting the second amount corresponding to the second currency from the second balance account; if the clearing currency is different from the second currency, converting the second amount corresponding to the second currency into the amount to be cleared corresponding to the clearing currency; or, if the clearing currency is the same as the second currency, using the second amount corresponding to the second currency as the amount to be cleared corresponding to the clearing currency.

[0010] In some embodiments, converting the first amount corresponding to the first currency into the second amount corresponding to the second currency includes: converting the first amount corresponding to the first currency into the second amount corresponding to the second currency based on the exchange rate between the first currency and the second currency; converting the second amount corresponding to the second currency into the amount to be settled corresponding to the clearing currency includes: converting the second amount corresponding to the second currency into the amount to be settled corresponding to the clearing currency based on the cost exchange rate between the second currency and the clearing currency.

[0011] In some embodiments, when the settlement currency is the same as the first currency, determining the profit or loss amount generated by the currency exchange operation and managing the profit or loss amount using a profit or loss account includes: if the amount to be settled is greater than the first amount, determining the profit amount based on the difference between the amount to be settled and the first amount, and depositing the profit amount into the profit or loss account; or, if the amount to be settled is less than the first amount, determining the loss amount based on the difference between the amount to be settled and the first amount, and transferring the loss amount out of the profit or loss account.

[0012] In some embodiments, when the settlement currency is different from the first currency, determining the profit or loss amount generated by the currency exchange operation and managing the profit or loss amount using a profit or loss account includes: determining a third amount corresponding to the settlement currency based on the first amount corresponding to the first currency and the exchange rate between the first currency and the settlement currency; if the amount to be settled is greater than the third amount, determining a profit amount based on the difference between the amount to be settled and the third amount, and depositing the profit amount into the profit or loss account; or, if the amount to be settled is less than the third amount, determining a loss amount based on the difference between the amount to be settled and the third amount, and transferring the loss amount out of the profit or loss account.

[0013] In some embodiments, after deducting the second amount corresponding to the second currency from the second balance account, the method further includes: generating a payment authorization result for the target order, the payment authorization result indicating that payment for the target order is permitted through the target payment medium; and sending the payment authorization result.

[0014] In some embodiments, the payment processing of the target order using the second balance account further includes: upon receiving a cancellation request corresponding to the target order, refunding the second amount corresponding to the second currency to the second balance account.

[0015] In some embodiments, when the settlement currency is different from the second currency, determining the profit or loss amount generated by the currency exchange operation and managing the profit or loss amount using a profit or loss account includes: converting the amount to be settled into a refundable amount corresponding to the second currency; if the refundable amount is greater than the second amount, determining a profit amount based on the difference between the refundable amount and the second amount, and depositing the profit amount into the profit or loss account; or, if the refundable amount is less than the second amount, determining a loss amount based on the difference between the second amount and the refundable amount, and transferring the loss amount out of the profit or loss account.

[0016] In some embodiments, the step of using the second balance account to process payment for the target order further includes: upon receiving a payment request for the target order, obtaining the payment amount specified in the payment request; and transferring the payment amount to the merchant account corresponding to the target order.

[0017] In some embodiments, determining the profit or loss amount generated by the currency exchange operation and managing the profit or loss amount using a profit or loss account includes: if the amount to be settled is greater than the amount requested for payment, determining a profit amount based on the difference between the amount to be settled and the amount requested for payment, and depositing the profit amount into the profit or loss account; or, if the amount to be settled is less than the amount requested for payment, determining a loss amount based on the difference between the amount to be settled and the amount requested for payment, and transferring the loss amount out of the profit or loss account.

[0018] In some embodiments, the payment processing procedure includes multiple stages, and the profit or loss amount generated in different stages is managed through different profit or loss accounts.

[0019] In some embodiments, the situation where there is no first balance account in the target payment medium that can pay for the target order in the first currency includes: there is no balance account in the target payment medium corresponding to the first currency; or, the at least one currency includes the first currency, and the balance account corresponding to the first currency does not meet the payment conditions.

[0020] In some embodiments, determining a second balance account corresponding to a second currency in the target payment medium includes: determining any balance account that meets the payment conditions among the balance accounts corresponding to the at least one currency, as the second balance account.

[0021] Secondly, this specification also provides a wallet system, comprising: at least one storage medium storing at least one instruction set; and at least one processor communicatively connected to the at least one storage medium, wherein the at least one processor reads the at least one instruction set during operation and implements the payment method as described in the first aspect according to the instructions of the at least one instruction set.

[0022] Thirdly, this specification provides a computer-readable non-transitory storage medium, wherein the computer-readable non-transitory storage medium stores at least one instruction set, which, when executed by at least one processor, implements the payment method as described in the first aspect.

[0023] Other functionalities of the payment methods, wallet systems, and storage media provided in this specification will be partially listed in the following description. The inventive aspects of the payment methods, wallet systems, and storage media provided in this specification can be fully understood through practice or by using the methods, systems, and combinations described in the detailed examples below. Attached Figure Description

[0024] To more clearly illustrate the technical solutions in the embodiments of this specification, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0025] Figure 1 A schematic diagram illustrating an application scenario of payment provided according to embodiments of this specification is shown; Figure 2 A hardware structure diagram of a wallet system provided according to an embodiment of this specification is shown; Figure 3 A flowchart of a payment method provided according to an embodiment of this specification is shown; Figure 4A profit and loss management flowchart for the authorization phase provided according to an embodiment of this specification is shown; Figure 5 Another profit and loss management flowchart for the authorization phase is shown according to an embodiment of this specification; Figure 6 A flowchart illustrating the profit and loss management process for the authorization revocation phase, provided according to embodiments of this specification, is shown; and Figure 7 A profit and loss management flowchart for the reimbursement stage is shown according to an embodiment of this specification. Detailed Implementation

[0026] The following description provides specific application scenarios and requirements for this specification, intended to enable those skilled in the art to make and use the contents of this specification. Various partial modifications to the disclosed embodiments will be apparent to those skilled in the art, and the general principles defined herein can be applied to other embodiments and applications without departing from the spirit and scope of this specification. Therefore, this specification is not limited to the embodiments shown, but rather to the widest scope consistent with the claims.

[0027] The terminology used herein is for the purpose of describing particular exemplary embodiments only and is not restrictive. For example, unless the context clearly indicates otherwise, the singular forms “a,” “an,” and “the” used herein may also include the plural forms. When used in this specification, the terms “comprising,” “including,” and / or “containing” mean that the associated integers, steps, operations, elements, and / or components are present, but do not exclude the presence of one or more other features, integers, steps, operations, elements, components, and / or groups, or that other features, integers, steps, operations, elements, components, and / or groups may be added to the system / method.

[0028] Considering the following description, these and other features of this specification, as well as the operation and function of the related components of the structure, and the economy of assembly and manufacture of the parts, can be significantly improved. All of these form part of this specification with reference to the accompanying drawings. However, it should be clearly understood that the drawings are for illustrative and descriptive purposes only and are not intended to limit the scope of this specification. It should also be understood that the drawings are not drawn to scale.

[0029] The flowcharts used in this specification illustrate operations implemented according to some embodiments of this specification. It should be clearly understood that the operations in the flowcharts may not be implemented in a sequential order. Instead, the operations may be implemented in reverse order or simultaneously. Furthermore, one or more additional operations may be added to the flowcharts. One or more operations may be removed from the flowcharts.

[0030] For ease of understanding, the terms that will appear in this manual are explained as follows.

[0031] Foreign exchange gains and losses: also known as exchange rate fluctuations, refer to the gains or losses incurred by financial institutions when holding foreign currency assets or liabilities or engaging in foreign currency transactions due to exchange rate fluctuations. These gains and losses can be measured in the local currency used in the location of the financial institution.

[0032] Authorization phase: When a user (e.g., a consumer) uses a payment medium to pay for an order, the merchant requests approval for the order from the issuer of the payment medium. This is the verification phase where the issuer of the payment medium confirms whether the payment medium has sufficient credit or balance and that the order complies with relevant regulations.

[0033] Authorization revocation stage: This refers to the stage where an order that has been authorized during the authorization stage is revoked.

[0034] Payment Request Stage: This is the stage where the merchant requests the issuer of the payment medium to transfer the amount of the relevant order to the merchant's account for orders that have been authorized during the authorization stage.

[0035] Transaction currency: The currency used by merchants to display the price of goods or services to users.

[0036] Currency of deduction: During the authorization phase, the issuer of the payment medium determines the currency type corresponding to the balance account to be deducted.

[0037] Clearing currency: The currency agreed upon by the acquiring system, clearing system (e.g., card pool), and the issuer of the payment medium for final clearing and accounting. The clearing currency may or may not be the transaction currency.

[0038] Customer exchange rate: The exchange rate offered by the issuer of the payment medium (such as a bank, wallet, or other provider of currency exchange services) to users (individuals or businesses) for currency exchange. This exchange rate may include the difference that the issuer of the payment medium makes to cover operating costs, risks, and profits.

[0039] Cost exchange rate: refers to the actual exchange rate used by the issuer of the payment medium and other financial institutions when exchanging currencies. There is no additional profit markup, and it can be used as the basis for calculating the exchange rate with customers.

[0040] In cross-border scenarios, the payment medium held by a user can support payments in at least one currency. For example, the user may apply for / authorize a balance account corresponding to a first currency and a second currency on a platform (APP, offline office) provided by the issuer of the payment medium. The balance account corresponding to the first currency can support payments in the first currency, and the balance account corresponding to the second currency can support payments in the second currency.

[0041] If a user initiates a payment for a target order that requires payment in a first currency, and the payment medium includes a balance account corresponding to the first currency, the issuer of the payment medium can deduct the amount corresponding to the target order from the balance account corresponding to the first currency to complete the payment for the target order.

[0042] If a user initiates a payment for a target order that requires payment in a first currency, and the payment medium does not include a balance account in that first currency or the balance in the corresponding balance account is insufficient, the issuer of the payment medium cannot complete the payment for the target order through the balance account in the first currency. In this case, the user needs to exchange for sufficient amounts of the first currency before proceeding with the payment for the target order. This process is cumbersome and time-consuming, impacting the user's payment experience.

[0043] In view of this, this application provides a payment method, wallet system and storage medium that eliminates the need for users to exchange currency themselves in cross-border payment scenarios, thereby improving the user's payment experience.

[0044] It should be noted that the balance account in this manual can be either a credit account or a debit account, and this manual does not impose any restrictions on this.

[0045] Specifically, debit accounts allow funds to be deposited in advance, and the actual payment is deducted from the balance of the debit account. Credit accounts have a credit line or credit limit provided by the issuer of the payment medium, which can be used as working capital, and the funds usually need to be repaid after a certain period of time (i.e., repayment).

[0046] The following is combined with Figure 1 This manual introduces the application scenarios for the payment method.

[0047] Figure 1 A schematic diagram illustrating an application scenario of payment provided according to embodiments of this specification is shown. For example... Figure 1 As shown, the application scenario 001 includes a user and merchant system 100 and a wallet system 200.

[0048] The application scenario 001 can be an online payment scenario or an offline payment scenario; this specification does not impose any restrictions on this.

[0049] When the application scenario 001 is an online payment scenario, the merchant system 100 can be an online platform for merchants to display the goods or services for sale to users. Users can place orders in the merchant system 100 and pay for the relevant orders using the target payment medium.

[0050] When the application scenario 001 is an offline payment scenario, the merchant system 100 can be the merchant's cashier system. After the user and the merchant agree on the goods and services to be traded, the user can place an order and pay for the relevant order using the target payment medium in the merchant system 100.

[0051] After a user makes payment for a relevant order using the target payment medium in merchant system 100, merchant system 100 can generate a payment request and send it to wallet system 200 (the issuer of the target payment medium), thus entering the payment authorization stage for the relevant order. Upon receiving the payment request, wallet system 200 can deduct the payment from the balance account in the target payment medium, determine the payment authorization result for the relevant order based on the deduction, and send the payment authorization result to the merchant.

[0052] If the payment authorization is successful, and the user or merchant system 100 cancels the order, a cancellation request can be initiated in merchant system 100 or wallet system 200 to cancel the payment for the order. After receiving the cancellation request, wallet system 200 can refund the specific amount deducted during the authorization stage to the balance account.

[0053] If the payment authorization is successful, the merchant system 100 can also initiate a payment request for the relevant order, requesting the wallet system 200 to transfer the corresponding amount to the merchant account. After receiving the payment request, the wallet system 200 can transfer the corresponding amount to the merchant account.

[0054] In some embodiments, the wallet system 200 may store data and instructions for implementing the payment method P300, and may execute or be used to execute said data and instructions. In some embodiments, the wallet system 200 may include a hardware device with data processing capabilities and the necessary programs to drive the hardware device. Specifically, the technical details of the payment method P300 will be described in detail later and will not be repeated here.

[0055] It is understandable that during the transmission of payment requests, payment authorization results, revocation requests, and withdrawal requests between merchant system 100 and wallet system 200, information can be forwarded through an intermediary system. It should be noted that the intermediary system can also perform other processing on the received information (such as adding content) during information forwarding; this manual does not impose any restrictions on this.

[0056] For example, intermediate systems include, but are not limited to, acquiring systems and card spooling systems. Acquiring systems can be financial institutions that have agreements with merchants, receive and process payment requests sent by merchant systems, and act as a bridge between merchant systems and card spooling systems, providing acquiring services to different merchants. Card spooling systems can establish standards and rules for processing payment transactions and provide infrastructure and services to wallet systems, acquiring systems, and other participants in the transaction. During the order authorization phase, they can provide real-time payment authorization services and verify the validity of each order. After authorization, card spooling systems can also handle the order clearing process, i.e., calculating and transferring funds to relevant parties (such as merchants or other participants who receive service revenue).

[0057] It is understood that the merchant system 100, the acquiring system, the card group system, and the wallet system can correspond to one system or multiple systems, and this manual does not impose any restrictions on this.

[0058] Figure 2 A hardware structure diagram of a wallet system 200 provided according to an embodiment of this specification is shown.

[0059] like Figure 2 As shown, the wallet system 200 may include at least one storage medium 230 and at least one processor 220. In some embodiments, the wallet system 200 may also include a communication port 250 and an internal communication bus 210. Furthermore, the wallet system 200 may also include I / O components 260.

[0060] The internal communication bus 210 can connect to different system components. For example, the internal communication bus 210 can connect to storage medium 230, processor 220, communication port 250, and I / O component 260.

[0061] I / O component 260 supports input / output between wallet system 200 and other components.

[0062] Communication port 250 is used for data communication between wallet system 200 and the outside world. For example, communication port 250 can be used for data communication between wallet system 200 and the network. Communication port 250 can be a wired communication port or a wireless communication port.

[0063] In some embodiments, the network can be any type of wired or wireless network, or a combination thereof. For example, the network may include a cable network, a wired network, a fiber optic network, a telecommunications network, an intranet, the Internet, a local area network (LAN), a wide area network (WAN), a wireless local area network (WLAN), a metropolitan area network (MAN), a public switched telephone network (PSTN), a Bluetooth network™, a ZigBee™ short-range wireless network, a near field communication (NFC) network, or a similar network.

[0064] In some embodiments, the network may include one or more network access points. For example, the network may include wired or wireless network access points, such as base stations or internet switching points. Through these access points, one or more components of the various devices corresponding to the wallet system 200 can connect to the network to exchange data or information.

[0065] Storage medium 230 may include a data storage device. The data storage device may be a non-transitory storage medium or a temporary storage medium. For example, the data storage device may include one or more of a disk 232, a read-only storage medium (ROM) 234, or a random access storage medium (RAM) 236. Storage medium 230 also includes at least one instruction set stored in the data storage device. The instruction set may include computer program code, which may include programs, routines, objects, components, data structures, procedures, modules, etc., that execute the payment methods provided in this specification.

[0066] Processor 220 can be communicatively connected to storage medium 230. Processor 220 is used to execute at least one of the above-described instruction sets. When wallet system 200 is running, processor 220 reads the at least one instruction set and executes the payment method provided in this specification according to the instructions of the at least one instruction set.

[0067] Processor 220 may be in the form of one or more processors. In some embodiments, processor 220 may include one or more hardware processors, such as microcontrollers, microprocessors, reduced instruction set computers (RISC), application-specific integrated circuits (ASICs), application-specific instruction set processors (ASIPs), central processing units (CPUs), graphics processing units (GPUs), physical processing units (PPUs), microcontroller units, digital signal processors (DSPs), field-programmable gate arrays (FPGAs), advanced RISC machines (ARMs), programmable logic devices (PLDs), any circuit or processor capable of performing one or more functions, or any combination thereof.

[0068] For the purpose of illustrating the point only, in the appendix Figure 2 Only one processor 220 is shown in the wallet system 200. However, it should be noted that the wallet system 200 may also include multiple processors. Therefore, the operation and / or method steps disclosed in this specification may be executed by one processor as described in this specification, or they may be executed jointly by multiple processors. For example, if the processor 220 of the wallet system 200 in this specification executes steps A and B, it should be understood that steps A and B may also be executed jointly or separately by two different processors 220 (e.g., the first processor executes step A, the second processor executes step B, or the first and second processors jointly execute steps A and B).

[0069] Figure 3 A flowchart of a payment method P300 provided according to an embodiment of this specification is shown. The wallet system 200 can execute payment method P300.

[0070] like Figure 3 As shown, payment method P300 includes the following steps.

[0071] S310: Receive a payment request corresponding to the target order, wherein the payment request indicates that the target order is paid through the target payment medium and the currency requested for payment is a first currency, and the target payment medium includes a balance account corresponding to at least one currency.

[0072] The target order can be any order initiated by the user within the merchant system (online or offline). In an online scenario, the merchant system can display the price of goods or services to the user using the first currency. In an offline scenario, the transaction currency negotiated between the merchant and the user can be the first currency. When the transaction currency is the first currency, the payment request generated by the merchant system can instruct the wallet system to pay for the target order through the target payment medium and to use the first currency for payment. After generating the payment request, the merchant system can send the payment request to the wallet system. For example, the merchant system can send the payment request to the wallet system through an acquiring system or a card pool system.

[0073] A target payment medium is a digital payment tool issued by the wallet system. It can be a virtual card (without physical form) or a digital replica of a physical card; this specification does not impose any restrictions. The wallet system can issue target payment media through means such as websites or applications. Information regarding the target payment medium is stored locally within the wallet system or in the cloud for online channel management.

[0074] The wallet system can provide payment services for multiple currencies. If a user applies for or authorizes a balance account for a target currency in the wallet system, the target payment medium includes a balance account corresponding to that currency. If a user applies for or authorizes balance accounts for multiple currencies in the wallet system, the target payment medium includes balance accounts corresponding to multiple currencies.

[0075] Taking the balance account corresponding to the first currency as an example, when the balance account corresponding to the first currency is a debit account, the user can pre-deposit the first currency into the balance account, and the wallet system will record the pre-deposited amount of the first currency as the balance of this balance account. Alternatively, when the balance account corresponding to the first currency is a credit account, the user can apply for a credit limit for the balance account, which is the amount of the first currency that the user can overdraft in this balance account during the payment process. The balance accounts corresponding to other currencies follow the same logic. Hereafter, both balance and credit limit will be collectively referred to as balance.

[0076] S320: If there is no first balance account in the target payment medium that can pay for the target order in the first currency, determine a second balance account in the target payment medium that corresponds to the second currency.

[0077] In some embodiments, if there is no balance account corresponding to the first currency in the target payment medium, or if the first currency is included in at least one of the currencies in the target payment medium and the balance account corresponding to the first currency does not meet the payment conditions, then the wallet system determines that there is no first balance account in the target payment medium that can pay for the target order in the first currency.

[0078] For example, if the first currency is a currency for which the wallet system does not provide payment services, or if the user has not applied for or authorized a balance account corresponding to the first currency for the target payment medium, the wallet system determines that there is no first balance account in the target payment medium that can pay for the target order in the first currency.

[0079] For example, the target payment medium includes a balance account corresponding to the first currency. For instance, a user may have applied for or authorized the opening of a balance account corresponding to the first currency in the wallet system, but this balance account does not meet the payment conditions. In this case, the wallet system can also determine that there is no first balance account in the target payment medium capable of paying for the target order in the first currency. The payment conditions include, but are not limited to: the balance of the balance account corresponding to the first currency being greater than or equal to the order amount corresponding to the target order; the account status of the balance account corresponding to the first currency meeting the requirements; the balance account corresponding to the first currency being free of risk; and the order amount of the target order not exceeding the single transaction limit of the balance account corresponding to the first currency, etc.

[0080] In this embodiment, when the wallet system determines that there is no first balance account under the above-mentioned multiple judgment conditions, it can flexibly select a second balance account to pay for the target order, thereby ensuring the success rate of payment and improving the user's payment experience.

[0081] In some embodiments, the wallet system determines any balance account that meets the payment conditions from the balance accounts corresponding to at least one currency of the target payment medium, and designates it as a second balance account. The currency corresponding to the second balance account is the second currency (i.e., the deduction currency).

[0082] Example 1: If the target payment medium does not include the balance account corresponding to the first currency, the wallet system will arbitrarily select one balance account from all the balance accounts included in the target payment medium, or select one in a preset order, and determine whether the balance account meets the above payment conditions. If it meets the above payment conditions, the balance account will be used as the second balance account. If it does not meet the above payment conditions, another balance account will be selected and the determination will continue until a balance account that meets the above payment conditions is determined as the second balance account.

[0083] Example 2: If the target payment medium includes the balance account corresponding to the first currency, the wallet system will arbitrarily select or select one of the balance accounts corresponding to other currencies (currencies other than the first currency) included in the target payment medium in a preset order, and determine whether the balance account meets the above payment conditions. The subsequent judgment process is similar to that in Example 1 above, and will not be repeated here.

[0084] It should be noted that if none of the balance accounts in the target payment medium meet the aforementioned payment conditions, it indicates that there is no second balance account in the target payment medium. In this case, the wallet system cannot process the payment for the target order. This specification primarily addresses the scenario where a second balance account exists in the target payment medium.

[0085] In this embodiment, the wallet system can filter out a second balance account from the target payment medium based on payment conditions as the payment account for the target order, thereby improving the payment success rate.

[0086] S330: Use a second balance account to process payment for the target order, the payment process including at least one currency exchange operation.

[0087] The process of a wallet system using a second balance account to process payment for a target order may involve one or more stages. For example, the payment processing may include an authorization stage, or an authorization stage and an authorization revocation stage, or an authorization stage and a payment request stage.

[0088] In some embodiments, the wallet system may also determine the amount of profit or loss generated by currency exchange operations during the payment processing process, and manage the amount of profit or loss using a profit or loss account.

[0089] In cross-border scenarios, wallet systems can record the gains and losses of each order due to currency exchange through profit and loss accounts. This allows for analysis of users, merchants, and order types that contribute to the wallet system's gains or losses, enabling the development or adjustment of deduction strategies for subsequent payment orders. For example, if the profit and loss account shows significant currency exchange losses within a certain period, the wallet system can reserve funds for subsequent payment orders to offset these losses. Conversely, if the profit and loss account shows significant currency exchange gains within a certain period, the wallet system can offer rebates to users for subsequent payment orders, allowing for deductions below the normal market price and improving the user's payment experience. Furthermore, the wallet system can categorize users and merchants into different tiers, employing different deduction strategies with varying reserve funds or rebates.

[0090] For example, when the payment processing involves multiple stages, the wallet system can manage the profit and loss amounts generated at different stages through the same profit and loss account.

[0091] For example, a wallet system can manage the profit and loss amounts generated during the authorization phase and the authorization revocation phase through the same profit and loss account.

[0092] For example, when the payment processing involves multiple stages, the wallet system can manage the profit and loss amounts generated in different stages through different profit and loss accounts. This allows the wallet system to more clearly understand the profit and loss situation arising from currency exchange at different stages, providing a more accurate reference for the wallet system to formulate deduction strategies.

[0093] For example, a wallet system can manage the profit and loss amounts generated during the authorization and withdrawal phases through different profit and loss accounts.

[0094] The following description will primarily use the management of profit and loss amounts at different stages through different profit and loss accounts as examples. The payment processing operations performed by the wallet system will be described sequentially in the order of authorization stage, authorization revocation stage, and payment request stage.

[0095] Authorization phase In some embodiments, the payment request further represents a first amount corresponding to a first currency, i.e., the amount requested from the wallet system to pay for the target order in the first currency. After determining the second balance account, the wallet system converts the first amount corresponding to the first currency into a second amount corresponding to the second currency.

[0096] For example, the wallet system converts the first amount corresponding to the first currency into the second amount corresponding to the second currency based on the exchange rate between the first currency and the second currency.

[0097] After determining the second amount, the wallet system deducts the second amount corresponding to the second currency from the second balance account. If the settlement currency is different from the second currency, the wallet system converts the second amount corresponding to the second currency into the settlement amount corresponding to the settlement currency. Alternatively, if the settlement currency is the same as the second currency, the wallet system uses the second amount corresponding to the second currency as the settlement amount corresponding to the settlement currency.

[0098] For example, see Figure 4 After the wallet system determines the second amount corresponding to the second currency, if the settlement currency is the same as the second currency, the second amount will be deducted (or frozen) from the second balance account and transferred to the deduction temporary account. At this time, the second amount in the deduction temporary account is the amount to be settled. The deduction temporary account corresponds to the deduction currency and is used to store the amount deducted from the balance account during the authorization phase. The wallet system can also transfer the second amount in the deduction temporary account to the settlement temporary account, or the deduction temporary account can also serve as the settlement temporary account. The settlement temporary account can be used to store the amount to be settled for subsequent transfer to the merchant's account.

[0099] See also Figure 4If the settlement currency differs from the secondary currency, the wallet system also needs to convert the secondary amount in the secondary currency into the amount to be settled in the settlement currency based on the cost exchange rate between the secondary currency and the settlement currency. For example, the wallet system converts the secondary amount in the secondary currency in the deduction temporary account into the amount to be settled in the settlement currency, and then transfers the amount to be settled into the settlement temporary account.

[0100] It is understood that, for a given payment medium, a balance account for a particular currency can correspond to both a deduction deposit account and a clearing deposit account. These deduction deposit accounts and clearing deposit accounts can exist internally within the wallet system and are not displayed to the user; this manual does not impose any restrictions on this.

[0101] In the above embodiments, the customer exchange rate (i.e., the exchange rate seen by the user during a transaction) is usually closer to the market exchange rate, allowing users to clearly understand the cost they pay and avoiding fee disputes caused by opaque exchange rates. When the wallet system prepares the amount to be settled, it uses the cost exchange rate (i.e., the exchange rate at which the wallet system exchanges currency with other financial institutions). There is a difference between the cost exchange rate and the customer exchange rate, thus generating profit or loss in this process.

[0102] In some embodiments, after deducting the second amount corresponding to the second currency from the second balance account, the wallet system may also generate and send a payment authorization result for the target order. This payment authorization result indicates whether the wallet system allows payment for the target order through the target payment medium.

[0103] The wallet system sends payment authorization results to the merchant system, allowing merchants to promptly know whether the authorization has been approved and to complete order processing (such as shipping or providing services) in a timely manner, reducing order processing delays caused by waiting. For example, after receiving an authorization result indicating that the authorization has been approved, the merchant system can immediately arrange for product delivery, improving customer satisfaction. Furthermore, this manual primarily describes the scenarios where the payment authorization result is "authorization approved."

[0104] The following describes the process of managing profit and loss amounts during the authorization phase of the wallet system.

[0105] In some embodiments, the settlement currency is the same as the first currency. If the amount to be settled is greater than the first amount, the wallet system determines the profit amount based on the difference between the amount to be settled and the first amount, and deposits the profit amount into the first profit and loss account; or if the amount to be settled is less than the first amount, the wallet system determines the loss amount based on the difference between the amount to be settled and the first amount, and transfers the loss amount out of the first profit and loss account.

[0106] For example, if the settlement currency is the same as the first currency, the subsequent payment request initiated by the merchant system may be for the first amount. Therefore, the wallet system can determine whether the amount to be settled is sufficient based on the first amount during the authorization phase, and prepare at least the first amount in the settlement temporary account. See also... Figure 4 If the amount pending settlement is greater than the first amount, it indicates that the amount pending settlement received by the wallet system exceeds the potential amount for subsequent withdrawals (i.e., the first amount). In this case, the profit amount is transferred to the first profit and loss account, and the first amount is transferred to the settlement temporary account. If the entire amount pending settlement has been transferred to the settlement temporary account, the wallet system can transfer the profit amount from the settlement temporary account to the first profit and loss account. If the amount pending settlement is less than the first amount, it indicates that the amount pending settlement received by the wallet system is insufficient. In this case, the loss amount needs to be transferred out of the first profit and loss account, and both the loss amount and the amount pending settlement are transferred to the settlement temporary account. That is, the settlement temporary account needs to ensure that at least the first amount is held to avoid insufficient funds prepared by the wallet system leading to subsequent withdrawal failures. The first profit and loss account corresponds to the settlement currency and is used to store the profit amount corresponding to the settlement currency.

[0107] In some embodiments, the settlement currency is different from the first currency. The wallet system determines the third amount corresponding to the settlement currency based on the first amount corresponding to the first currency and the exchange rate between the first currency and the settlement currency. If the amount to be settled is greater than the third amount, the profit amount is determined based on the difference between the amount to be settled and the third amount, and the profit amount is deposited into the first profit and loss account; or, if the amount to be settled is less than the third amount, the loss amount is determined based on the difference between the amount to be settled and the third amount, and the loss amount is transferred out of the first profit and loss account.

[0108] For example, see Figure 5 When the settlement currency differs from the primary currency, the wallet system can determine the third amount (the estimated request amount) corresponding to the settlement currency that the wallet system needs to transfer subsequently, based on the exchange rate between the primary and settlement currencies. This third amount is then used to determine if the amount pending settlement after the exchange is sufficient, and at least this third amount is prepared in the settlement deposit account. If the amount pending settlement is greater than the third amount, the profit is transferred to the primary profit and loss account, and the third amount is transferred to the settlement deposit account. If the entire amount pending settlement has already been transferred to the settlement deposit account, the wallet system can transfer the profit amount from the settlement deposit account to the primary profit and loss account. If the amount pending settlement is less than the third amount, the loss amount needs to be transferred from the primary profit and loss account, and both the loss amount and the amount pending settlement are transferred to the settlement deposit account. In other words, the settlement deposit account must ensure that at least the third amount is held to prevent insufficient funds from the wallet system, which could lead to subsequent request failures.

[0109] In the above embodiments, the first profit and loss account can record the gains or losses generated by currency exchange when the wallet system processes payment for each order during the authorization phase. This helps the wallet system analyze the profit and loss situation caused by currency exchange during the authorization phase and formulate subsequent deduction strategies during the authorization phase to reduce the wallet system's losses and other risks caused by currency exchange.

[0110] Authorization revocation phase In some embodiments, upon receiving a cancellation request corresponding to the target order, the wallet system refunds the second amount corresponding to the second currency to the second balance account.

[0111] The cancellation request for a target order can be initiated by the merchant system. For example, if a merchant discovers a risk with a target order, they can initiate a cancellation request, which the wallet system will receive. The cancellation request can also be initiated by the user. For example, if a user cancels a target order through the merchant system, the wallet system will receive the cancellation request. Furthermore, the cancellation request can be initiated by the wallet system itself. For instance, if the wallet system hasn't received a payment request after the payment authorization result for the target order has been issued, it can generate a cancellation request.

[0112] See Figure 6 If the settlement currency and the secondary currency are the same, the currency deducted by the wallet system during the authorization phase (the secondary currency) becomes the settlement currency. Therefore, since no currency exchange occurs during the authorization phase, the wallet system can directly refund the secondary amount in the deduction deposit account or the settlement deposit account to the secondary balance account.

[0113] The following describes the process of managing profit and loss amounts in the wallet system during the authorization revocation phase.

[0114] In some embodiments, see continue to see Figure 6 If the settlement currency differs from the secondary currency, it indicates that the wallet system converted the deducted secondary currency into the settlement currency during the authorization phase. In this case, the wallet system cannot directly return the amount in the settlement temporary account to the secondary balance account. Therefore, the wallet system needs to convert the amount in the settlement temporary account into the amount to be refunded corresponding to the secondary currency. The exchange rate at this point may differ from the exchange rate during the authorization phase, resulting in a difference between the amount to be refunded and the secondary amount. If the amount to be refunded is greater than the secondary amount, the wallet system determines the profit amount based on the difference between the amount to be refunded and the secondary amount, deposits the profit amount into the secondary profit and loss account, and refunds the secondary amount to the secondary balance account. If the amount to be refunded is less than the secondary amount, the wallet system determines the loss amount based on the difference between the secondary amount and the amount to be refunded, transfers the loss amount from the secondary profit and loss account, and refunds the loss amount and the converted amount to the secondary balance account together.

[0115] During the authorization revocation phase, the wallet system needs to ensure that the amount deducted from the second balance account is the same as the amount refunded during the revocation process. This is to avoid issues such as poor user payment experience and complaints caused by discrepancies between the refunded amount and the deducted amount.

[0116] In the above embodiments, the second profit and loss account can record the gains or losses generated by currency exchange when the wallet system cancels each order during the authorization cancellation phase. This helps the wallet system analyze the profit and loss situation caused by currency exchange during the authorization cancellation phase, thereby formulating strategies related to the authorization cancellation phase.

[0117] It is understood that the amount in the liquidation temporary account can be the amount to be liquidated after the wallet system has exchanged it during the authorization phase, or it can be the first or third amount that the wallet system has offset through the first profit and loss account during the authorization phase. This manual does not impose any restrictions on this.

[0118] Payment request stage In some embodiments, upon receiving a payment request for a target order, the wallet system obtains the payment amount specified in the payment request and transfers the payment amount to the merchant account corresponding to the target order.

[0119] The merchant system can initiate a payment request after receiving and confirming that the payment authorization has been approved. The merchant system can initiate payment requests periodically, and each payment request can include the payment amount for multiple orders.

[0120] For example, see Figure 7 Once the wallet system receives a payment request including the target order, if the requested amount is the same as the amount in the clearing temporary account, the wallet system can directly transfer the amount in the clearing temporary account to the merchant's account.

[0121] In this embodiment, after receiving a payment request, the wallet system transfers the corresponding amount to the merchant's account, accelerating the merchant's cash flow. Merchants can quickly view the settlement status of each transaction, improving financial efficiency.

[0122] The following describes the process of managing profit and loss amounts in the wallet system during the withdrawal phase.

[0123] In some embodiments, see continue to see Figure 7The exchange rates used by the card deck system and the wallet system may differ. Therefore, the amount prepared in the clearing deposit account by the wallet system may differ from the amount requested by the card deck system. If the amount in the clearing deposit account is greater than the requested amount, the wallet system determines the profit amount based on the difference between the amount in the clearing deposit account and the requested amount, deposits the profit amount into the third profit and loss account, and transfers the requested amount to the merchant account. If the amount in the clearing deposit account is less than the requested amount, the wallet system determines the loss amount based on the difference between the amount in the clearing deposit account and the requested amount, transfers the loss amount from the third profit and loss account, and transfers both the loss amount and the amount in the clearing deposit account to the merchant account.

[0124] It is understood that the amount in the liquidation temporary account can be the amount to be liquidated after the wallet system has exchanged it during the authorization phase, or it can be the first or third amount that the wallet system has offset through the first profit and loss account during the authorization phase. This manual does not impose any restrictions on this.

[0125] In the above embodiments, the third profit and loss account can record the gains or losses generated by the wallet system when transferring funds for each order during the request phase due to the different exchange rates used in the previous currency exchange and card group settlement. This helps the wallet system analyze the profit and loss situation during the request phase and formulate strategies related to the request phase.

[0126] In addition, there is a special case in cross-border scenarios. Suppose that the clearing currency is a third currency, and the third currency is special. The third currency in the domestic (e.g., the region where the wallet system is located) and the third currency outside the country have different forms of expression, and there are exchange rate differences between the third currencies with different forms of expression.

[0127] For example, within the wallet system, the third currency exists in the form of an onshore third currency. The subsequent card group system calculates the exchange rate using the offshore third currency when settling the payment request. After receiving the payment request, the wallet system prepares the target amount in the onshore third currency in the settlement deposit account for the payment request stage. However, the subsequent payment request amount from the card group system may be greater than or less than the target amount. If the target amount is greater than the payment request amount, the wallet system determines the profit amount based on the difference between the target amount and the payment request amount, deposits the profit amount into the fourth profit and loss account, and transfers the payment request amount to the merchant account. If the target amount is less than the payment request amount, the wallet system determines the loss amount based on the difference between the target amount and the payment request amount, transfers the loss amount from the fourth profit and loss account, and transfers both the loss amount and the target amount to the merchant account.

[0128] When the wallet system prepares the target amount corresponding to a third currency for the request phase in the clearing temporary account, there are two situations: the deduction currency is a third currency or the deduction currency is not a third currency. Whether the wallet system needs to perform currency conversion during the authorization phase in these two situations, and how to convert the target amount if currency conversion is involved, can be referred to the description above, and will not be repeated here.

[0129] In the example above, the fourth profit and loss account can record gains or losses resulting from liquidation in a third currency, which helps the wallet system analyze and formulate relevant strategies regarding the third currency.

[0130] It should be noted that the wallet system may perform profit and loss management only during the authorization phase, only during the revocation phase, only during the withdrawal phase, or in both the authorization and revocation phases, or in both the authorization and withdrawal phases. This manual does not impose any restrictions on this. The first, second, third, and fourth profit and loss accounts can be a single account or multiple accounts, which is also not restricted in this manual.

[0131] In summary, the payment method, wallet system, and storage medium provided in this manual enable the wallet system to use a balance account corresponding to a currency other than the transaction currency for payment in cross-border payment scenarios, when the user's payment medium does not have a balance account that can be used for payment in the transaction currency. In this process, the user does not need to exchange currency themselves, which can reduce the time spent on currency exchange and improve the user's payment experience.

[0132] This specification, in another aspect, provides a computer-readable non-transitory storage medium storing at least one set of executable instructions for making payments. When the executable instructions are executed by a processor, they instruct the processor to perform the steps of method P300 described in this specification. In some possible embodiments, various aspects of this specification can also be implemented as a program product comprising program code. When the program product runs on a wallet system 200, the program code causes the wallet system 200 to perform the steps of method P300 described in this specification. The program product for implementing the above method may employ a portable compact disc read-only memory (CD-ROM) containing program code and may run on the wallet system 200. However, the program product of this specification is not limited thereto. In this specification, the readable storage medium may be any tangible medium containing or storing a program that may be used by or in conjunction with an instruction execution system. The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of readable storage media include: electrical connections having one or more wires, portable disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. The computer-readable storage medium may include data signals propagated in baseband or as part of a carrier wave, carrying readable program code. Such propagated data signals may take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. A readable storage medium may also be any readable medium other than a readable storage medium that can send, propagate, or transmit programs for use by or in connection with an instruction execution system, apparatus, or device. Program code contained on a readable storage medium may be transmitted using any suitable medium, including but not limited to wireless, wired, optical fiber, RF, etc., or any suitable combination thereof. Program code for performing the operations described herein can be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java and C++, and conventional procedural programming languages ​​such as C or similar languages. The program code can execute entirely on wallet system 200, partially on wallet system 200, as a standalone software package, partially on wallet system 200 and partially on a remote computing device, or entirely on a remote computing device.

[0133] The term "and / or" in the embodiments of this specification describes the relationship between associated objects, indicating that three relationships can exist. For example, A and / or B can represent three cases: A alone, A and B simultaneously, and B alone. The character " / " generally indicates that the preceding and following associated objects have an "or" relationship.

[0134] The terms “first”, “second”, etc., used in this specification are used to distinguish similar or related objects or entities, and do not necessarily imply a specific order or sequence.

[0135] Unless otherwise stated, the term "multiple" in this specification shall be understood as two or more.

[0136] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require a specific or sequential order to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0137] In summary, after reading this detailed disclosure, those skilled in the art will understand that the foregoing detailed disclosure is presented by way of example only and is not restrictive. Although not explicitly stated herein, those skilled in the art will understand that this specification requires various reasonable changes, improvements, and modifications to the embodiments. These changes, improvements, and modifications are intended to be made by this specification and are within the spirit and scope of the exemplary embodiments described herein.

[0138] Furthermore, certain terms in this specification have been used to describe embodiments of this specification. For example, "an embodiment," "an embodiment," and / or "some embodiments" mean that a particular feature, structure, or characteristic described in connection with that embodiment may be included in at least one embodiment of this specification. Therefore, it is to be emphasized and understood that two or more references to "an embodiment" or "an embodiment" or "alternative embodiment" in various parts of this specification do not necessarily refer to the same embodiment. Moreover, specific features, structures, or characteristics may be suitably combined in one or more embodiments of this specification.

[0139] It should be understood that in the foregoing description of the embodiments in this specification, various features are combined in a single embodiment, drawing, or description for the purpose of simplifying the description and aiding in the understanding of a feature. However, this does not mean that the combination of these features is necessary, and those skilled in the art may readily identify some of the devices as separate embodiments when reading this specification. That is, the embodiments in this specification can also be understood as an integration of multiple secondary embodiments. It is also valid when each secondary embodiment contains fewer than all the features of a single foregoing disclosed embodiment.

[0140] Every patent, patent application, publication of a patent application, and other material, such as articles, books, specifications, publications, documents, and literature (excluding any related historical examination documents), cited in this disclosure is incorporated herein for all purposes, including, for example, in the specification and claims of this disclosure. However, in the event of any inconsistency or conflict between the descriptions, definitions, and / or terms used in the foregoing and those used in this disclosure, the descriptions, definitions, and / or terms used in this disclosure shall prevail.

[0141] Finally, it should be understood that the embodiments disclosed herein are illustrative of the principles of the embodiments described in this specification. Other modified embodiments are also within the scope of this specification. Therefore, the embodiments disclosed in this specification are merely examples and not limitations. Those skilled in the art can implement the applications described in this specification using alternative configurations based on the embodiments in this specification. Therefore, the embodiments in this specification are not limited to the embodiments precisely described in the applications.

Claims

1. A payment method applied to a wallet system, comprising: Receive a payment request for a target order, the payment request representing payment for the target order in a first currency through a target payment medium, the target payment medium including a balance account corresponding to at least one currency; as well as If no first balance account in the target payment medium exists that can pay for the target order in the first currency, the target order will be paid for using a second balance account corresponding to the second currency. During the payment process, the profit generated from the currency exchange operation is deposited into the profit and loss account, or the loss generated from the currency exchange operation is transferred out of the profit and loss account to meet the needs of the target order.

2. The method according to claim 1, wherein, The process of using the second balance account corresponding to the second currency to pay for the target order includes: Based on the first amount corresponding to the first currency, the second amount corresponding to the second currency is deducted from the second balance account, and the amount to be settled in the settlement currency is obtained through the second amount corresponding to the second currency, so as to process the payment for the target order.

3. The method according to claim 2, wherein, The step of deducting a second amount corresponding to the second currency from the second balance account based on a first amount corresponding to the first currency, and obtaining the amount to be settled in the settlement currency through the second amount corresponding to the second currency, includes: The first amount corresponding to the first currency is converted into the second amount corresponding to the second currency, and the second amount corresponding to the second currency is deducted from the second balance account; If the settlement currency is different from the second currency, then the second amount corresponding to the second currency will be converted into the amount to be settled corresponding to the settlement currency; or If the settlement currency is the same as the second currency, then the second amount corresponding to the second currency shall be used as the amount to be settled corresponding to the settlement currency.

4. The method according to claim 3, wherein, The step of converting the first amount corresponding to the first currency into the second amount corresponding to the second currency includes: Based on the exchange rate between the first currency and the second currency, the first amount corresponding to the first currency is converted into the second amount corresponding to the second currency; The step of converting the second amount corresponding to the second currency into the amount to be settled corresponding to the settlement currency includes: Based on the cost exchange rate between the second currency and the clearing currency, the second amount corresponding to the second currency is converted into the amount to be cleared corresponding to the clearing currency.

5. The method according to claim 2, wherein, When the clearing currency is the same as the first currency, the step of depositing the profit amount generated by the currency exchange operation into the profit and loss account, or transferring the loss amount generated by the currency exchange operation from the profit and loss account to meet the needs of the target order, includes: If the amount to be settled is greater than the first amount, then the profit amount is determined based on the difference between the amount to be settled and the first amount, and the profit amount is deposited into the profit and loss account; or If the amount to be settled is less than the first amount, the loss amount is determined based on the difference between the amount to be settled and the first amount, and the loss amount is transferred out from the profit and loss account to prepare for the payment request of the target order.

6. The method according to claim 2, wherein, When the clearing currency is different from the first currency, the step of depositing the profit amount generated by the currency exchange operation into the profit and loss account, or transferring the loss amount generated by the currency exchange operation from the profit and loss account to meet the needs of the target order, includes: The third amount corresponding to the clearing currency is determined based on the first amount corresponding to the first currency and the exchange rate between the first currency and the clearing currency. If the amount to be settled is greater than the third amount, then the profit amount is determined based on the difference between the amount to be settled and the third amount, and the profit amount is deposited into the profit and loss account; or If the amount to be settled is less than the third amount, the loss amount is determined based on the difference between the amount to be settled and the third amount, and the loss amount is transferred out from the profit and loss account to prepare for the payment request of the target order.

7. The method according to claim 2, wherein, After deducting the second amount corresponding to the second currency from the second balance account, the method further includes: Generate a payment authorization result for the target order, the payment authorization result indicating that payment for the target order is permitted through the target payment medium; and Send the payment authorization result.

8. The method according to claim 2, wherein, The step of using the second balance account to process payment for the target order further includes: Upon receiving a cancellation request corresponding to the target order, the second amount corresponding to the second currency is refunded to the second balance account.

9. The method according to claim 8, wherein, When the clearing currency is different from the second currency, the step of depositing the profit amount generated by the currency exchange operation into the profit and loss account, or transferring the loss amount generated by the currency exchange operation from the profit and loss account to meet the needs of the target order, includes: Convert the amount to be settled into the amount to be refunded corresponding to the second currency; If the amount to be refunded is greater than the second amount, then the revenue amount is determined based on the difference between the amount to be refunded and the second amount, and the revenue amount is deposited into the profit and loss account; or If the amount to be refunded is less than the second amount, the loss amount is determined based on the difference between the second amount and the amount to be refunded, and the loss amount is transferred from the profit and loss account to be refunded to the second balance account.

10. The method according to claim 2, wherein, The step of using the second balance account to process payment for the target order further includes: Upon receiving a payment request for the target order, obtain the payment amount specified in the payment request; and Transfer the requested amount to the merchant account corresponding to the target order.

11. The method of claim 10, wherein, The step of depositing the profit or loss amount generated by the currency exchange operation into the profit or loss account, or transferring the loss amount generated by the currency exchange operation out of the profit or loss account to meet the needs of the target order, includes: If the amount to be settled is greater than the amount requested for payment, then the revenue amount is determined based on the difference between the amount to be settled and the amount requested for payment, and the revenue amount is deposited into the profit and loss account; or If the amount to be settled is less than the amount requested for payment, the loss amount is determined based on the difference between the amount to be settled and the amount requested for payment, and the loss amount is transferred from the profit and loss account to the merchant account.

12. The method according to claim 1, wherein, The payment processing procedure includes multiple stages, and the amount of profit or loss generated in different stages is managed through different profit and loss accounts.

13. The method according to claim 1, wherein, The situation where there is no first balance account in the target payment medium capable of paying the target order in the first currency includes: The target payment medium does not have a balance account corresponding to the first currency; or The at least one currency includes the first currency, and the balance account corresponding to the first currency does not meet the payment conditions.

14. The method according to claim 1, wherein, Before processing the payment for the target order using the second balance account corresponding to the second currency, the method further includes: Among the balance accounts corresponding to the at least one currency, any balance account that meets the payment conditions is identified as the second balance account.

15. A wallet system, comprising: At least one storage medium storing at least one instruction set; as well as At least one processor is communicatively connected to the at least one storage medium, wherein the at least one processor reads the at least one instruction set during operation and performs the method as described in any one of claims 1-14 according to the instructions of the at least one instruction set.

16. A computer-readable non-transitory storage medium, wherein, The computer-readable non-transitory storage medium stores at least one set of instructions, which, when executed by at least one processor, implement the method as described in any one of claims 1-14.

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