Payment methods, devices, equipment and storage media

Abstract

This invention discloses a payment method, apparatus, device, and storage medium. The method includes obtaining a transaction code provided by a transaction code management platform, the transaction code carrying a card replacement marker; sending a first request carrying the transaction code to the transaction code management platform to request payment of an order using the transaction code and a first payment account; upon receiving a first instruction from the transaction code management platform, replacing the first payment account with a second payment account based on the card replacement marker; and sending a second request to the transaction code management platform to request payment of the order using the transaction code and the second payment account. In this way, even if payment fails with the first payment account, payment can still be completed using the same transaction code and a different payment account, reducing the need for users to rescan codes in the primary scanning scenario and for merchants to rescan codes in the secondary scanning scenario. This simplifies the QR code payment operation, allows the transaction code to be reused multiple times, eliminates the need to obtain a new transaction code, and improves payment efficiency.

Description

Payment Method, Device, Equipment and Storage Medium The present invention belongs to the field of payment technologies, and particularly relates to a payment method, device, equipment and storage medium. With the development of Internet technologies, online transactions through electronic devices have become a common behavior among a vast number of Internet users. For example, a user can scan a QR code provided by a merchant through an electronic device, or a merchant can scan a payment code provided by the user through a scanning device to complete the payment. However, when there are situations such as insufficient balance in the current payment account or network congestion, the payment may fail. At this time, in the main-scanning scenario, the user needs to exit the current payment page, reselect the payment account, and rescan the QR code provided by the merchant; in the scanned-by-merchant scenario, the user needs to reselect another payment account on the payment page, and wait for the payment page to regenerate a new payment code before providing the payment code to the merchant again. Thus, the QR code payment operation is cumbersome and the payment efficiency is affected. Embodiments of the present invention provide a payment method, device, equipment and storage medium, which can solve the problems of cumbersome QR code payment operation and low payment efficiency in related technologies. In a first aspect, an embodiment of the present invention provides a payment method applied to a client, and the method may include: Obtain a transaction code provided by a transaction code management platform, where the transaction code carries a card replacement flag; Send a first request to the transaction code management platform, where the first request carries the transaction code, and the first request is used to request to pay for an order through the transaction code and a first payment account; In the case of receiving a first instruction sent by the transaction code management platform, based on the card replacement flag, replace the first payment account with a second payment account, where the first instruction is used to indicate that the payment of the order by the first payment account fails and replace the first payment account; Send a second request to the transaction code management platform, where the second request is used to request to pay for the order through the transaction code and the second payment account. In a second aspect, an embodiment of the present invention provides a payment method applied to a transaction code management platform, and the method may include: In the case of receiving a first request sent by the client, send a first payment request to a resource transfer management platform, where the first request carries the transaction code, the transaction code carries a card replacement flag, the first payment request carries the first payment account of the client and an order corresponding to the transaction code, and the first payment request is used to request the resource transfer management platform to perform payment processing on the order based on the first payment account; In the case of receiving a transaction failure result sent by the resource transfer management platform, send a first instruction to the client, where the first instruction is used to indicate that the payment of the order by the first payment account fails and replace the first payment account; In the case of receiving a second request sent by the client, send a second payment request to the resource transfer management platform. The second payment request carries a second payment account, and the second payment request is used to request the resource transfer management platform to perform payment processing on the order based on the second payment account. Thirdly, an embodiment of the present invention provides a payment method applied to a client. The method may include: In the case of receiving a first input from the user, display a payment code. The payment code carries a card replacement mark and is provided by the transaction code management platform; Send a first request to the transaction code management platform. The first request carries a transaction code, and the first request is used to request to pay the order through the transaction code and a first payment account; In the case of receiving a first instruction sent by the transaction code management platform, based on the card replacement mark, display the payment code and at least one payment account. The first instruction is used to indicate that the payment of the order by the first payment account fails and the first payment account needs to be replaced; In the case of receiving a second input from the user for at least one payment account, send a second request to the transaction code management platform. The second request is used to request to pay the order through the transaction code and a second payment account, and the second payment account corresponds to the second input. Fourthly, an embodiment of the present invention provides a payment method applied to a client. The method may include: Obtain a transaction code provided by the transaction code management platform. The transaction code carries a card replacement mark; Send a third payment request to the resource transaction management platform. The third payment request carries the transaction code, the order corresponding to the transaction code, and the first payment account of the client. The third payment request is used to request the resource transaction management platform to perform payment processing on the order based on the transaction code and the first payment account; In the case of receiving a transaction failure result sent by the resource transaction management platform, based on the card replacement mark, replace the first payment account with a second payment account; Send a fourth payment request to the resource transaction management platform. The fourth payment request carries the second payment account, and the payment request is used to request the resource transaction management platform to perform payment processing on the order based on the transaction code and the second payment account. Fifthly, an embodiment of the present invention provides a payment device applied to a client, including: An acquisition module, configured to acquire a transaction code provided by the transaction code management platform. The transaction code carries a card replacement mark; A sending module, configured to send a first request to the transaction code management platform. The first request carries a transaction code, and the first request is used to request to pay the order through the transaction code and a first payment account; A replacement module, configured to, when receiving a first instruction sent by a transaction code management platform, based on a card replacement flag, replace a first payment account with a second payment account, where the first instruction is used to indicate that the payment of an order by the first payment account fails and the first payment account needs to be replaced; The sending module is further configured to send a second request to the transaction code management platform, where the second request is used to request to pay the order through the transaction code and the second payment account. In a sixth aspect, an embodiment of the present invention provides a payment device, which is applied to a transaction code management platform and includes: A sending module, configured to, when receiving a first request sent by a client, send a first payment request to a resource transfer management platform, where the first request carries a transaction code, the transaction code carries a card replacement flag, the first payment request carries the first payment account of the client and an order corresponding to the transaction code, and the first payment request is used to request the resource transfer management platform to perform payment processing on the order based on the first payment account; The sending module is further configured to, when receiving a transaction failure result sent by the resource transfer management platform, send a first instruction to the client, where the first instruction is used to indicate that the payment of the order by the first payment account fails and the first payment account needs to be replaced; The sending module is further configured to, when receiving a second request sent by the client, send a second payment request to the resource transfer management platform, where the second payment request carries a second payment account, and the second payment request is used to request the resource transfer management platform to perform payment processing on the order based on the second payment account. In a seventh aspect, an embodiment of the present invention provides a payment device, which is applied to a client and includes: A display module, configured to, when receiving a first input from a user, display a payment code, where the payment code carries a card replacement flag and the payment code is provided by the transaction code management platform; A sending module, configured to send a first request to the transaction code management platform, where the first request carries a transaction code, and the first request is used to request to pay the order through the transaction code and the first payment account; The display module may further be configured to, when receiving a first instruction sent by the transaction code management platform, based on the card replacement flag, display the payment code and at least one payment account, where the first instruction is used to indicate that the payment of the order by the first payment account fails and the first payment account needs to be replaced; The sending module may further be configured to, when receiving a second input from the user for at least one payment account, send a second request to the transaction code management platform, where the second request is used to request to pay the order through the transaction code and the second payment account, and the second payment account corresponds to the second input. In an eighth aspect, an embodiment of the present invention provides a payment method, which is applied to a client, and the method may include: An acquisition module, configured to acquire a transaction code provided by a transaction code management platform, where the transaction code carries a card replacement flag; A sending module, configured to send a third payment request to a resource transaction management platform, where the third payment request carries the transaction code, an order corresponding to the transaction code, and a first payment account of a client, and the third payment request is used to request the resource transaction management platform to perform payment processing on the order based on the transaction code and the first payment account; A replacement module, configured to, when receiving a transaction failure result sent by the resource transaction management platform, replace the first payment account with a second payment account based on the card replacement flag; The sending module may also be configured to send a fourth payment request to the resource transaction management platform, where the fourth payment request carries the second payment account, and the payment request is used to request the resource transaction management platform to perform payment processing on the order based on the transaction code and the second payment account. In a ninth aspect, an embodiment of the present invention provides a computer device, which includes: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the payment method shown in the first aspect, the second aspect, the third aspect, or the fourth aspect is implemented. In a tenth aspect, an embodiment of the present invention provides a computer storage medium, on which computer program instructions are stored, and when the computer program instructions are executed by a processor, the payment method shown in the first aspect, the second aspect, the third aspect, or the fourth aspect is implemented. In an eleventh aspect, an embodiment of the present invention provides a chip, which includes a processor and a communication interface, the communication interface is coupled to the processor, and the processor is configured to run a program or an instruction to implement the payment method shown in the first aspect, the second aspect, the third aspect, or the fourth aspect. In a twelfth aspect, an embodiment of the present invention provides a computer program product, which is stored in a storage medium, and the program product is executed by at least one processor to implement the payment method shown in the first aspect, the second aspect, the third aspect, or the fourth aspect. The payment method, device, equipment, and storage medium according to the embodiments of the present invention can obtain a transaction code provided by a transaction code management platform. The transaction code carries a card replacement flag, and send a first request to the transaction code management platform. The first request carries the transaction code, and the first request is used to request to pay an order through the transaction code and a first payment account. Then, in the case of receiving a first instruction sent by the transaction code management platform, based on the card replacement flag, replace the first payment account with a second payment account. The first instruction is used to indicate that the payment of the order by the first payment account fails and the first payment account needs to be replaced. Then, send a second request to the transaction code management platform. The second request is used to request to pay the order through the transaction code and the second payment account. In this way, after the payment by the first payment account fails, only need to replace the first payment account with the second payment account, and then can continue to complete the payment through the same transaction code and different payment accounts, reducing the operations of the user re-scanning the code in the main-scan scenario and the merchant re-scanning the code in the scanned-by-merchant scenario, simplifying the process of re-paying after the payment fails, making the scanning payment operation concise. Moreover, since the transaction code in the embodiments of the present invention can be recycled multiple times, realizing the reuse of one code, omitting the process of re-obtaining a new transaction code, shortening the payment time, and improving the payment efficiency. (1),(2),(3),(4),(5),(6),(7),(8),(9),(10),(11),(12),210,220,230,240,310,320,330,510,520,530,540,710,720,730,740: Steps 10: Payment architecture 1001: Display module 101: Client 102: Transaction code management platform 103: Merchant side 104: Resource transfer management platform 1201: Processor 1202: Memory 1203: Communication interface 1210: Bus 80,90,100,110: Payment device 801,1101: Acquisition module 802,901,1002,1102: Sending module 803,1103: Replacement module To more clearly illustrate the technical solutions of the embodiments of the present invention, the following will briefly introduce the drawings required in the embodiments of the present invention. For those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on these drawings. FIG. 1 is an architecture diagram of a payment method provided by an embodiment of the present invention; FIG. 2 is a flowchart of a payment method provided by an embodiment of the present invention; FIG. 3 is a flowchart of a payment method based on a transaction code management platform provided by an embodiment of the present invention; FIG. 4 is an interaction flowchart of a payment method provided by an embodiment of the present invention; FIG. 5 is one of the flowcharts of a payment method based on a client provided by an embodiment of the present invention; FIG. 6 is an interface interaction schematic diagram of a payment method provided by an embodiment of the present invention; FIG. 7 is another flowchart of a payment method based on a client provided by an embodiment of the present invention; FIG. 8 is a structural schematic diagram of a payment device provided by an embodiment of the present invention; FIG. 9 is a structural schematic diagram of a payment device based on a transaction code management platform provided by an embodiment of the present invention; FIG. 10 is one of the structural schematic diagrams of a payment device based on a client provided by an embodiment of the present invention; FIG. 11 is another structural schematic diagram of a payment device based on a client provided by an embodiment of the present invention; FIG. 12 is a structural schematic diagram of a computer device provided by an embodiment of the present invention. The features and exemplary embodiments of various aspects of the present invention will be described in detail below. In order to make the objectives, technical solutions and advantages of the present invention more clear and understandable, the present invention will be further described in detail below in conjunction with the drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present invention, rather than limiting the present invention. For those skilled in the art, the present invention can be implemented without some of these specific details. The following description of the embodiments is only intended to provide a better understanding of the present invention by showing examples of the present invention. It should be noted that, in this document, relational terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. Moreover, the term "comprising", "including" or any other variation thereof is intended to cover non-exclusive inclusion, so that a process, method, article or device comprising a series of elements not only includes those elements, but also includes other elements not expressly listed, or elements inherent to such process, method, article or device. Without further limitation, elements defined by the statement "comprising......" do not exclude the presence of additional identical elements in the process, method, article or device comprising the elements. In related technologies, when payment fails due to insufficient balance in the current payment account, network congestion, etc., the payment process can be restarted by re-scanning the code or in a predefined order. Among them, for the re-scanning method, after the current payment fails, the re-scanning payment method can be adopted. For example, in the scenario of being scanned, the user needs to re-select another payment account on the payment page and wait for the payment page to regenerate the payment QR code so that the merchant side can re-scan the QR code to complete the payment; in the scenario of scanning by the user, the user needs to re-scan the merchant QR code and re-select another payment card on the payment page to complete the payment. However, this method requires repeating a complete payment process, making the QR code payment operation cumbersome and affecting the payment efficiency. For the predefined order method, the user pre-sets the deduction order of various payment methods under the payment account, and subsequent polling deduction attempts can be made in order. However, on the one hand, the deduction order is predefined and shared by all automatic deduction services, and cannot be flexibly changed; on the other hand, the predefined deduction order is not combined with the preset payment card (i.e., the card that was successfully paid last time), and only one method can be selected for payment currently, making the payment process cumbersome. To solve the problems in related technologies, embodiments of the present invention provide a payment method, device, computer device, and storage medium. Next, in combination with FIGS. 1 to 12, the payment method, device, computer device, and storage medium of the embodiments of the present invention will be described in detail. It should be noted that these embodiments are not used to limit the scope of the present disclosure. First, the payment architecture provided by the embodiments of the present invention will be described in detail. As shown in FIG. 1, the payment architecture 10 may include a client 101, a transaction code management platform 102, a merchant client 103, and a resource transfer management platform 104. The foregoing modules will be described in detail below. The client 101 is used to interact with at least one of the transaction code management platform 102, the merchant client 103, and the resource transfer management platform 104. Among them, the client 101 can be used to receive the user's payment input, send a payment code generation request to the transaction code management platform 102, and obtain the payment code; or, it can also be used to receive the user's code-scanning input, scan the payment code provided by the merchant client 103, and extract the payment code from the image captured by the camera. Here, the payment code and the payment code can be collectively referred to as the transaction code, and the transaction code carries a card replacement mark. In addition, the client 101 is further used to send a first request to the transaction code management platform 102, the first request carrying the transaction code, and the first request is used to request to pay the order through the transaction code and the first payment account; in the case of receiving the first instruction sent by the transaction code management platform 102, based on the card replacement mark, change the first payment account to the second payment account, and the first instruction is used to instruct the first payment account to pay the order Fail, replace the first payment account; then, send a second request to the transaction code management platform 102, where the second request is used to request payment for the order through the transaction code and the second payment account. The transaction code management platform 102 can be used to interact with at least one of the client 101, the merchant client 103, and the resource transfer management platform 104. Among them, the transaction code management platform 102 can be used to generate a transaction code, where the transaction code can include a payment code or a collection code. Further, based on the payment code generation request sent by the client 101, an initial payment code is generated, and the card replacement flag is embedded in the initial payment code to obtain the payment code, and the payment code is sent to the client 101; or, based on the collection code generation request sent by the merchant client 103, an initial collection code is generated, and the card replacement flag is embedded in the initial collection code to obtain the collection code, and the collection code is sent to the merchant client 103. The transaction code management platform 102 can also be used to, in the case of receiving the first request sent by the client 101, send a first payment request to the resource transfer management platform 104, where the first request carries the transaction code, the transaction code carries the card replacement flag, the first payment request carries the first payment account of the client 101 and the order corresponding to the transaction code, and the first payment request is used to request the resource transfer management platform 104 to perform payment processing on the order based on the first payment account; and, in the case of receiving the transaction failure result sent by the resource transfer management platform 104, send a first instruction to the client 101, where the first instruction is used to indicate that the payment of the order by the first payment account fails, and replace the first payment account; then, in the case of receiving the second request sent by the client 101, send a second payment request to the resource transfer management platform 104, where the second payment request carries the second payment account, and the second payment request is used to request the resource transfer management platform 104 to perform payment processing on the order based on the second payment account. The merchant client 103 can be used to interact with the client 101 and the transaction code management platform 102. Among them, the merchant client 103 can provide a collection code to the client 101, or scan the payment code provided by the client 101 to send order information to the transaction code management platform 102. Here, the collection code of the merchant client 103 can be issued by the transaction code management platform 102. The resource transfer management platform 104 is used to perform resource settlement according to the payment requests provided by the client 101 and the transaction code management platform 102. For example, receive the first payment request sent by the transaction code management platform 102, where the first request carries the transaction code, the transaction code carries the card replacement flag, and the resource transfer management platform 104 can perform payment processing on the order based on the first payment account of the client 101 and the order corresponding to the transaction code carried by the first payment request; and, receive the second payment request sent by the transaction code management platform 102, where the second payment request carries the second payment account, and the resource transfer management platform 104 is used to perform payment processing on the order based on the second payment account. Therefore, the payment framework 10 provided by the embodiments of the present invention can, after the payment of the first payment account on the client 101 fails, simply change the first payment account to the second payment account, and then continue to complete the payment through the same transaction code and different payment accounts, reducing the operations of the user re-scanning the code in the main-scan scenario and the merchant re-scanning the code in the passive-scan scenario, simplifying the process of re-payment after payment failure, making the QR code payment operation simple, and, since the transaction code in the embodiments of the present invention can be recycled multiple times to achieve one-code reuse, omitting the process of re-obtaining a new transaction code, shortening the payment time, and improving the payment efficiency. It should be noted that the payment method provided by the embodiments of the present invention can be applied to the QR code scenario, which can include the scenario of active QR code scanning, that is, the scenario where the client actively scans the collection code provided by the merchant, and can also include the scenario of passive QR code scanning, that is, the scenario where the merchant scans the payment code provided by the client. To better illustrate the content in the embodiments of the present invention, based on the above payment framework, a payment method provided by the embodiments of the present invention will be described below in conjunction with FIGS. 2 to 9 respectively, as follows. FIG. 2 is a flowchart of a payment method provided by an embodiment of the present invention. As shown in FIG. 2, the payment method can be applied to the client, and the payment method can specifically include the following steps: Step 210, obtain a transaction code provided by the transaction code management platform, where the transaction code carries a card replacement flag; Step 220, send a first request to the transaction code management platform, the first request carries the transaction code, and the first request is used to request to pay the order through the transaction code and the first payment account; Step 230, in the case of receiving a first instruction sent by the transaction code management platform, based on the card replacement flag, change the first payment account to the second payment account, and the first instruction is used to indicate that the payment of the order by the first payment account fails and replace the first payment account; Step 240, send a second request to the transaction code management platform, and the second request is used to request to pay the order through the transaction code and the second payment account. In this way, after the payment of the first payment account fails, simply change the first payment account to the second payment account, and then continue to complete the payment through the same transaction code and different payment accounts, reducing the operations of the user re-scanning the code in the main-scan scenario and the merchant re-scanning the code in the passive-scan scenario, simplifying the process of re-payment after payment failure, making the QR code payment operation simple, and, since the transaction code in the embodiments of the present invention can be recycled multiple times to achieve one-code reuse, omitting the process of re-obtaining a new transaction code, shortening the payment time, and improving the payment efficiency. The above steps will be described in detail below, as follows. First, regarding step 210, in one or more possible embodiments, the transaction code is a payment code. Based on this, step 210 may specifically include: When receiving the user's payment input, send a payment code generation request to the transaction code management platform, where the payment code generation request is used to request the transaction code management platform to generate a payment code; Receive the payment code sent by the transaction code management platform. In another or more possible embodiments, the transaction code is the merchant's collection code. Based on this, step 210 may specifically include: When receiving the user's code scanning input, extract the collection code from the image captured by the camera. Secondly, regarding step 220, in one or more possible embodiments, based on the embodiment where the transaction code is a payment code in the above step 210, before step 220, the transaction method may further include: Display the order verification information sent by the transaction code management platform, where the order verification information includes order information determined by the merchant client; Receive the user's confirmation input for the order verification information; Based on this, step 220 may specifically include: In response to the confirmation input, send a first request to the transaction code management platform. In another or more possible embodiments, based on the embodiment where the transaction code is the merchant's collection code in the above step 210, before step 220, the transaction method may further include: Identify the collection code and display the order information; Based on this, step 220 may specifically include: When receiving the user's confirmation input for the order information, send a first request to the transaction code management platform. Furthermore, regarding step 230, in one or more possible embodiments, step 230 may specifically include: Based on the card replacement flag, display at least one payment account; Receive the user's selection input for at least one payment account; In response to the selection input, change the first payment account to the second payment account corresponding to the selection input. And, based on the payment method applied to the client shown in Figure 2, based on the same inventive concept, the embodiments of the present invention also provide a payment method based on a transaction code management platform, which will be specifically described with reference to Figure 3. Figure 3 is a flowchart of a payment method based on a transaction code management platform provided by an embodiment of the present invention. As shown in Figure 3, this payment method can be applied to a transaction code management platform, and this payment method may specifically include the following steps: Step 310, when receiving a first request sent by the client, send a first payment request to the resource transfer management platform. The first request carries a transaction code, the transaction code carries a card replacement flag, the first payment request carries the first payment account of the client and an order corresponding to the transaction code, and the first payment request is used to request the resource transfer management platform to perform payment processing on the order based on the first payment account; Step 320, when receiving a transaction failure result sent by the resource transfer management platform, send a first instruction to the client, and the first instruction is used to indicate that the payment of the order by the first payment account fails and replace the first payment account; Step 330, when receiving a second request sent by the client, send a second payment request to the resource transfer management platform. The second payment request carries a second payment account, and the second payment request is used to request the resource transfer management platform to perform payment processing on the order based on the second payment account. The above steps are described in detail below, as follows. First, regarding Step 310, in one or more possible embodiments, the transaction code is a payment code. Based on this, before sending the first payment request to the resource transfer management platform, the method further includes: Receiving a payment code generation request sent by the client, where the payment code generation request is used to request the transaction code management platform to generate a payment code; Generating an initial payment code according to the payment code generation request; Embedding the card replacement flag into the initial payment code to obtain a payment code; Sending the payment code to the client. In another or more possible embodiments, the transaction code is a collection code. Based on this, before sending the first payment request to the resource transfer management platform, the method further includes: When receiving order information sent by the merchant client, sending order verification information to the client, where the order verification information includes the order information for the user to verify the order information. Then, regarding Step 330, in one or more possible embodiments, the resource transfer management platform includes a first resource transfer management platform and a second resource transfer management platform, and the second payment request also carries an order corresponding to the transaction code. Based on this, this Step 330 may specifically include: Matching the first resource transfer platform corresponding to the first payment account with the second resource transfer platform corresponding to the second payment account to obtain a matching result; When the matching result indicates that the first resource transfer platform and the second resource transfer platform are not the same resource transfer platform, sending the second payment request to the second resource transfer management platform. It should be noted that for the interaction between the merchant side and the transaction code management platform, the transaction code management platform can receive a payment code generation request sent by the merchant side. The payment code generation request is used to request the transaction code management platform to generate a payment code; according to the payment code generation request, an initial payment code is generated; a card replacement flag is embedded in the payment and collection code to obtain a payment code; the payment code is sent to the merchant side, and the payment code carries a transaction code. In this way, by obtaining the transaction code provided by the transaction code management platform, the transaction code carries a card replacement flag, and a first request is sent to the transaction code management platform. The first request carries the transaction code. The first request is used to request to pay for an order through the transaction code and a first payment account. Then, in the case of receiving a first instruction sent by the transaction code management platform, based on the card replacement flag, the first payment account is replaced with a second payment account. The first instruction is used to indicate that the first payment account fails to pay for the order and replace the first payment account. Then, a second request is sent to the transaction code management platform. The second request is used to request to pay for the order through the transaction code and the second payment account. In this way, after the first payment account fails to pay, only by replacing the first payment account with the second payment account can the payment be continued through the same transaction code and different payment accounts, reducing the operations of the user re-scanning the code in the main-scan scenario and the merchant re-scanning the code in the merchant-scan scenario, simplifying the process of re-paying after payment failure, making the scanning payment operation simple. And, since the transaction code in the embodiments of the present invention can be recycled multiple times, realizing one-code reuse, omitting the process of re-obtaining a new transaction code, shortening the payment time, and improving the payment efficiency. Based on the payment method shown in FIGS. 2 and 3, taking the passive-scanning scenario as an example, the payment method provided by the embodiments of the present invention will be described in detail with reference to FIG. 4. FIG. 4 is one of the interaction flowcharts of a payment method provided by an embodiment of the present invention. As shown in FIG. 4, the client 101 can be a user-side application (APP) in the electronic device 101, the transaction code management platform 102 can be a two-dimensional code platform, the merchant side 101 can be a merchant, and the resource transfer management platform 104 can be a bank. Based on this, the payment method can include: Step (1), the user-side APP applies for a payment code from the two-dimensional code platform based on the default payment account, that is, the first payment account number, and requests to attach a card replacement flag when applying for the payment code; Step (2), the two-dimensional code platform returns the payment code and records that the payment code is attached with a card replacement flag. The card replacement flag is used to mark that the payment code supports replacing the payment account; Step (3), after the merchant scans the payment code displayed by the user-side APP, a consumption request including order information is sent to the two-dimensional code platform; Step (4), the QR code platform processes the consumption request sent by the merchant and sends order verification information to the user-side APP, where the order verification information includes order information; Step (5), the user-side APP initiates a payment and attaches a card replacement flag; Step (6), the QR code platform processes the card replacement flag, converts it into a deduction application for the corresponding first payment account, and sends it to the corresponding bank; Step (7), the bank processes the deduction application and feeds back the deduction result to the QR code platform; Step (8), the QR code platform sends the deduction result to the user-side APP; Step (9), the user-side APP displays the deduction result and makes the following judgment and processing: If the deduction is successful, or the deduction fails and the user chooses not to continue with card replacement payment, then jump to Step (11); If the deduction fails and the user chooses to continue with card replacement payment, then execute Step (10); Step (10), the user-side APP displays a list of payment accounts that can be used for replacing the payment account for payment. The list of payment accounts can include at least one payment account. If the user re-selects one of the payment accounts, i.e., the second payment account, then jump to Step (5); Step (11), the user-side APP sends transaction result confirmation information to the QR code platform, including confirming successful payment, or accepting payment failure and not continuing to replace the payment account for payment; Step (12), the QR code platform notifies the merchant and the user-side APP of the final transaction result. It should be noted that in the case of the main-scan scenario, the user-side APP needs to scan the payment code provided by the merchant. The principles of other payment processes are the same and will not be elaborated here. Also, the payment account in the embodiments of the present invention is a general term for payment channels and can include various payment tools such as bank cards, account balances, and credit products. Therefore, the payment method provided by the embodiments of the present invention can be applied to two scenarios: offline merchant-scan and customer-scan. The transaction code provided by the transaction code management platform can be obtained. The transaction code carries a card replacement flag. A first request is sent to the transaction code management platform. The first request carries the transaction code. The first request is used to request to pay the order through the transaction code and the first payment account. Then, in the case of receiving the first instruction sent by the transaction code management platform, based on the card replacement flag, the first payment account is replaced with the second payment account. The first instruction is used to indicate that the payment of the order by the first payment account fails and the first payment account is replaced. Then, a second request is sent to the transaction code management platform. The second request is used to request to pay the order through the transaction code and the second payment account. In this way, after the payment by the first payment account fails, only by replacing the first payment account with the second payment account, the payment can be continued through the same transaction code and different payment accounts, reducing the operations of the user re-scanning the code in the merchant-scan scenario and the merchant re-scanning the code in the customer-scan scenario, simplifying the process of re-payment after the payment fails, making the QR code payment operation simple. Moreover, since the transaction code in the embodiments of the present invention can be recycled multiple times, realizing one code for multiple uses, the process of re-obtaining a new transaction code is omitted, shortening the payment time and improving the payment efficiency. In addition, the payment method provided by the embodiments of the present invention combines the payment functions of the default payment card and the predefined deduction order, enhancing the payment flexibility. Based on the same inventive concept, the embodiments of the payment method provided by the present invention also provide an interaction embodiment of the payment method for the client and the transaction code management platform, which can be specifically described in conjunction with FIG. 5. FIG. 5 is one of the flowcharts of a payment method based on the client provided by the embodiments of the present invention. As shown in FIG. 5, the payment method can be applied to the client. The payment method specifically may include the following steps: Step 510, when receiving the first input of the user, display the payment code. The payment code carries a card replacement flag. The payment code is provided by the transaction code management platform; Step 520, send a first request to the transaction code management platform. The first request carries the transaction code. The first request is used to request to pay the order through the transaction code and the first payment account; Step 530, in the case of receiving the first instruction sent by the transaction code management platform, based on the card replacement flag, display the payment code and at least one payment account. The first instruction is used to indicate that the payment of the order by the first payment account fails and the first payment account is replaced; Step 540, when receiving the second input of the user for at least one payment account, send a second request to the transaction code management platform. The second request is used to request to pay the order through the transaction code and the second payment account. The second payment account corresponds to the second input. Exemplarily, as shown in FIG. 6, when the first input of the user is received, a payment code is displayed for the merchant side to scan. Then, when the first instruction sent by the transaction code management platform is received, based on the card replacement flag, the payment code and at least one payment account such as Payment Account 1, Payment Account 2, and Payment Account 3 are displayed. When the input that the user selects Payment Account 3 from at least one payment account is received, Payment Account 3 can be determined as the second payment account. In this way, a second request can be sent to the transaction code management platform. The second request is used to request payment for the order through the transaction code and the second payment account. It should be noted that in FIG. 6, regardless of which stage the payment process is in, the payment code remains unchanged. In this way, within the current order payment cycle, the same payment code can be recycled multiple times according to the user's selection of different payment accounts, and one-code reuse can be achieved. It should be noted that the transaction code management platform that interacts with the client shown in FIG. 5 can refer to the content shown in FIG. 3, and no repeated description will be given here. Based on the same inventive concept, the payment method provided by the embodiments of the present invention also provides an interaction embodiment of the payment method for the client and the resource transfer management platform, which can be specifically described in conjunction with FIG. 7. FIG. 7 is a second flowchart of a payment method based on a client provided by an embodiment of the present invention. As shown in FIG. 7, the payment method can be applied to the client, and the payment method specifically may include the following steps: Step 710, obtain the transaction code provided by the transaction code management platform, and the transaction code carries a card replacement flag; Step 720, send a third payment request to the resource transaction management platform. The third payment request carries the transaction code, the order corresponding to the transaction code, and the first payment account of the client. The third payment request is used to request the resource transaction management platform to perform payment processing on the order based on the transaction code and the first payment account; Step 730, when the transaction failure result sent by the resource transaction management platform is received, based on the card replacement flag, change the first payment account to the second payment account; Step 740, send a fourth payment request to the resource transaction management platform. The fourth payment request carries the second payment account. The payment request is used to request the resource transaction management platform to perform payment processing on the order based on the transaction code and the second payment account. Based on the same inventive concept, the present invention also provides a payment device, which will be specifically described in detail in conjunction with FIG. 8. FIG. 8 is a schematic structural diagram of a payment device provided by an embodiment of the present invention. In some embodiments of the present invention, the payment device shown in FIG. 8 can be disposed in the client of the embodiments of the present invention. As shown in FIG. 8, the payment device 80 specifically may include: An acquisition module 801, configured to acquire a transaction code provided by a transaction code management platform, where the transaction code carries a card replacement flag; A sending module 802, configured to send a first request to the transaction code management platform, where the first request carries the transaction code, and the first request is used to request to pay an order through the transaction code and a first payment account; A replacement module 803, configured to, when receiving a first instruction sent by the transaction code management platform, based on the card replacement flag, replace the first payment account with a second payment account, where the first instruction is used to indicate that the payment of the order by the first payment account fails and replace the first payment account; The sending module 802 is further configured to send a second request to the transaction code management platform, where the second request is used to request to pay the order through the transaction code and the second payment account. The payment device 80 in the embodiments of the present invention will be described in detail below. In one or more alternative embodiments, the sending module 802 in the embodiments of the present invention is further configured to, when receiving a payment input from a user, send a payment code generation request to the transaction code management platform, where the payment code generation request is used to request the transaction code management platform to generate a payment code; Receive the payment code sent by the transaction code management platform. In another or more alternative embodiments, the payment device 80 in the embodiments of the present invention may further include a first display module and a first receiving module; where The first display module is configured to display order verification information sent by the transaction code management platform, where the order verification information includes order information determined by a merchant terminal; The first receiving module is configured to receive a confirmation input of the user for the order verification information; The sending module 802 may specifically be configured to, in response to the confirmation input, send a first request to the transaction code management platform. In yet another or more alternative embodiments, the payment device 80 in the embodiments of the present invention may further include an extraction module; where The extraction module is configured to, when the transaction code is a collection code of a merchant terminal and when receiving a scanning input from a user, extract the collection code from an image collected by a camera. In still another or more alternative embodiments, the payment device 80 in the embodiments of the present invention may further include an identification module and a second display module; where The identification module is configured to identify the collection code; The second display module is configured to display order information corresponding to the collection code; The sending module 802 may further be configured to, when receiving a confirmation input of the user for the order information, send a first request to the transaction code management platform. In yet another or multiple alternative embodiments, the payment device 80 in the embodiments of the present invention may further include a third display module and a second receiving module; wherein, The third display module is configured to display at least one payment account based on the card replacement flag; The second receiving module is configured to receive a selection input of the user for at least one payment account; The replacement module 803 may further be configured to, in response to the selection input, replace the first payment account with a second payment account corresponding to the selection input. Thus, the payment device in the embodiments of the present invention can obtain the transaction code provided by the transaction code management platform. The transaction code carries the card replacement flag. A first request is sent to the transaction code management platform. The first request carries the transaction code. The first request is used to request to pay for the order through the transaction code and the first payment account. Then, in the case of receiving the first instruction sent by the transaction code management platform, based on the card replacement flag, the first payment account is replaced with the second payment account. The first instruction is used to indicate that the payment of the order by the first payment account fails and the first payment account is replaced. Then, a second request is sent to the transaction code management platform. The second request is used to request to pay for the order through the transaction code and the second payment account. In this way, after the payment by the first payment account fails, only by replacing the first payment account with the second payment account, the payment can be continued through the same transaction code and different payment accounts, reducing the operations of the user re-scanning the code in the main-scan scenario and the merchant re-scanning the code in the scanned-by-merchant scenario, simplifying the process of re-paying after the payment fails, making the scanning payment operation concise, and, since the transaction code in the embodiments of the present invention can be used in multiple cycles, realizing one-code reuse, omitting the process of re-obtaining a new transaction code, shortening the payment time, and improving the payment efficiency. Based on the same inventive concept, the present invention further provides a payment device. A detailed description is specifically made in conjunction with FIG. 9. FIG. 9 is a schematic structural diagram of a payment device based on a transaction code management platform provided by an embodiment of the present invention. In some embodiments of the present invention, the payment device shown in FIG. 9 may be disposed in the transaction code management platform of the embodiments of the present invention. As shown in FIG. 9, the payment device 90 may specifically include: The sending module 901 is configured to, in the case of receiving the first request sent by the client, send a first payment request to the resource transfer management platform. The first request carries the transaction code. The transaction code carries the card replacement flag. The first payment request carries the first payment account of the client and the order corresponding to the transaction code. The first payment request is used to request the resource transfer management platform to perform payment processing on the order based on the first payment account; The sending module 901 is further configured to, when receiving a transaction failure result sent by the resource transfer management platform, send a first instruction to the client, where the first instruction is used to indicate that the payment for the order fails with the first payment account and replace the first payment account; The sending module 901 is further configured to, when receiving a second request sent by the client, send a second payment request to the resource transfer management platform, where the second payment request carries a second payment account, and the second payment request is used to request the resource transfer management platform to perform payment processing on the order based on the second payment account. The payment device 90 in the embodiments of the present invention will be described in detail below. In one or more alternative embodiments, the payment device 90 in the embodiments of the present invention may further include a receiving module, a generating module, and a processing module; where, The receiving module is configured to, when the transaction code is a payment code, receive a payment code generation request sent by the client, where the payment code generation request is used to request the transaction code management platform to generate a payment code; The generating module is configured to generate an initial payment code according to the payment code generation request; The processing module is configured to embed a card replacement flag into the initial payment code to obtain a payment code; The sending module 901 is further configured to send the payment code to the client. In another or more alternative embodiments, the sending module 901 may further be configured to, when the transaction code is a collection code and when receiving order information sent by the merchant client, send order verification information to the client, where the order verification information includes the order information. In still another or more alternative embodiments, the payment device 90 in the embodiments of the present invention may further include a matching module; where, The matching module is configured to, when the resource transfer management platform includes a first resource transfer management platform and a second resource transfer management platform and the second payment request further carries an order corresponding to the transaction code, match the first resource transfer platform corresponding to the first payment account with the second resource transfer platform corresponding to the second payment account to obtain a matching result; The sending module 901 is further configured to, when the matching result indicates that the first resource transfer platform and the second resource transfer platform are not the same resource transfer platform, send the second payment request to the second resource transfer management platform. Based on the same inventive concept, the present invention also provides a payment device. A detailed description will be specifically given in conjunction with FIG. 10. FIG. 10 is one of the structural schematic diagrams of a payment device based on a client provided by an embodiment of the present invention. In some embodiments of the present invention, the payment device shown in FIG. 10 may be disposed in the client of the embodiments of the present invention. As shown in FIG. 10, the payment device 100 may specifically include: A display module 1001, configured to display a payment code carrying a card replacement flag when receiving a first input from a user, where the payment code is provided by a transaction code management platform; A sending module 1002, configured to send a first request to the transaction code management platform, where the first request carries a transaction code and is used to request payment for an order through the transaction code and a first payment account; The display module 1001 may also be configured to, when receiving a first instruction sent by the transaction code management platform, display a payment code and at least one payment account based on the card replacement flag. The first instruction is used to indicate that payment for the order fails with the first payment account and to replace the first payment account; The sending module 1002 may also be configured to, when receiving a second input from the user for at least one payment account, send a second request to the transaction code management platform, where the second request is used to request payment for the order through the transaction code and a second payment account, and the second payment account corresponds to the second input. Based on the same inventive concept, the present invention also provides a payment device. A detailed description will be given specifically in conjunction with FIG. 11. FIG. 11 is a second structural schematic diagram of a payment device based on a client provided by an embodiment of the present invention. In some embodiments of the present invention, the payment device shown in FIG. 11 may be disposed in the client of the embodiment of the present invention. As shown in FIG. 11, the payment device 110 may specifically include: An acquisition module 1101, configured to acquire a transaction code provided by a transaction code management platform, where the transaction code carries a card replacement flag; A sending module 1102, configured to send a third payment request to a resource transaction management platform, where the third payment request carries a transaction code, an order corresponding to the transaction code, and a first payment account of the client, and the third payment request is used to request the resource transaction management platform to perform payment processing on the order based on the transaction code and the first payment account; A replacement module 1103, configured to, when receiving a transaction failure result sent by the resource transaction management platform, replace the first payment account with a second payment account based on the card replacement flag; The sending module 1102 may also be configured to send a fourth payment request to the resource transaction management platform, where the fourth payment request carries the second payment account, and the payment request is used to request the resource transaction management platform to perform payment processing on the order based on the transaction code and the second payment account. Based on the same inventive concept, the present invention also provides a computer device. A detailed description will be given specifically in conjunction with FIG. 12. FIG. 12 is a structural schematic diagram of a computer device provided by an embodiment of the present invention. As shown in FIG. 12, the computer device may include at least one of the following involved in the embodiments of the present invention: an electronic device, a server. Wherein, the computer device may include a processor 1201 and a memory 1202 storing computer program instructions. Specifically, the above-mentioned processor 1201 may include a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured as one or more integrated circuits implementing the embodiments of the present invention. The memory 1202 may include a large storage area for data or instructions. By way of example and not limitation, the memory 1202 may include a Hard Disk Drive (HDD), a magnetic disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a Universal Serial Bus (USB) drive, or a combination of two or more of these. In a suitable case, the memory 1202 may include a removable or non-removable (or fixed) medium. In a suitable case, the memory 1202 may be inside or outside the computer device. In a specific embodiment, the memory 1202 is a non-volatile solid-state memory. In a specific embodiment, the memory 1202 includes a Read Only Memory (ROM). In a suitable case, the ROM may be a mask-programmed ROM, a Programmable Read Only Memory (PROM), an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), an Electrically Alterable Read Only Memory (EAROM), or a flash memory, or a combination of two or more of these. The processor 1201 reads and executes the computer program instructions stored in the memory 1202 to implement any one of the payment methods in the above embodiments. In an example, the computer device may further include a communication interface 1203 and a bus 1210. Wherein, as shown in FIG. 12, the processor 1201, the memory 1202, and the communication interface 1203 are connected through the bus 1210 to complete mutual communication. The communication interface 1203 is mainly used to implement communication between various modules, devices, units, and / or equipment in the embodiments of the present invention. The bus 1210 includes hardware, software, or both, and couples the components of the flow control device to each other. By way of example and not limitation, the bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a Peripheral Component Interconnect Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local Bus (VLB) bus, or other suitable buses or a combination of two or more of these. In a suitable case, the bus 1210 may include one or more buses. Although the embodiments of the present invention describe and illustrate specific buses, the present invention contemplates any suitable bus or interconnect. The data processing device can execute the payment method in the embodiments of the present invention, thereby implementing the payment method and device described in conjunction with FIGS. 1 to 11. In addition, in combination with the payment method in the above embodiments, the embodiments of the present invention can be implemented by providing a computer-readable storage medium. Computer program instructions are stored on the computer-readable storage medium; when the computer program instructions are executed by a processor, any one of the payment methods in the above embodiments is implemented. It should be clear that the present invention is not limited to the specific configurations and processes described above and shown in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of the present invention is not limited to the specific steps described and shown. Those skilled in the art can make various changes, modifications, and additions, or change the order between steps after understanding the spirit of the present invention. The functional blocks shown in the above structural block diagrams can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it can be, for example, an electronic circuit, an application-specific integrated circuit (ASIC), appropriate firmware, a plug-in program, a functional card, and so on. When implemented in software, the elements of the present invention are programs or code segments used to perform the required tasks. The programs or code segments can be stored in a machine-readable medium or transmitted via a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable read-only memory (EROM), magnetic disks, compact disc read-only memory (CD-ROM), optical discs, hard disks, fiber media, radio frequency (RF) links, and so on. The code segments can be downloaded via computer networks such as the Internet, intranet, and so on. It should also be noted that the exemplary embodiments mentioned in the present invention describe some methods or systems based on a series of steps or devices. However, the present invention is not limited to the order of the above steps. That is to say, the steps can be executed in the order mentioned in the embodiments, can be different from the order in the embodiments, or several steps can be executed simultaneously. The above is only the specific implementation manner of the present invention. Those skilled in the art can clearly understand that for the convenience and brevity of description, the specific working processes of the above-described systems, modules, and units can refer to the corresponding processes in the foregoing method embodiments and will not be repeated here. It should be understood that the protection scope of the present invention is not limited thereto. Any person skilled in the art within the technical scope disclosed by the present invention can easily think of various equivalent modifications or substitutions, and these modifications or substitutions should all be covered within the protection scope of the present invention. 210, 220, 230, 240: Steps

Claims

1. A payment method applied to a user terminal, comprising: The system obtains a transaction code provided by a transaction code management platform. This transaction code carries a card replacement marker, indicating that the transaction code supports changing payment accounts. A first request is sent to the transaction code management platform, carrying the transaction code and requesting payment for an order using the transaction code and a first payment account. Upon receiving a first instruction from the transaction code management platform, based on the card replacement marker, the first payment account is replaced with a second payment account. The first instruction indicates that payment with the first payment account failed, and the first payment account is replaced. A second request is sent to the transaction code management platform, causing it to send a second payment request to a resource transfer management platform. This second request requests payment for the order using both the transaction code and the second payment account, so that after payment with the first payment account fails, the first payment account is replaced with the second payment account, allowing payment to continue using the same transaction code but different payment accounts. The resource transfer management platform includes a first resource transfer management platform and a second resource transfer management platform. If the first resource transfer platform corresponding to the first payment account and the second resource transfer platform corresponding to the second payment account are not the same, the transaction code management platform sends the second payment request to the second resource transfer platform.

2. The method as described in request item 1, wherein, The transaction code is a payment code; obtaining the transaction code provided by the transaction code management platform includes: upon receiving the user's payment input, sending a payment code generation request to the transaction code management platform, the payment code generation request being used to request the transaction code management platform to generate the payment code; and receiving the payment code sent by the transaction code management platform.

3. The method as described in claim 2, wherein, Before sending the first request to the transaction code management platform, the method further includes: displaying order verification information sent by the transaction code management platform, the order verification information including order information determined by the merchant terminal; receiving confirmation input from the user regarding the order verification information; sending the first request to the transaction code management platform includes: responding to the confirmation input and sending the first request to the transaction code management platform.

4. The method as described in request item 1, wherein, The transaction code is the merchant's payment code; obtaining the transaction code provided by the transaction code management platform includes: extracting the payment code from the image captured by the camera when the user scans the code.

5. The method as described in claim 4, wherein, Before sending the first request to the transaction code management platform, the method further includes: identifying the payment code and displaying order information corresponding to the payment code; sending the first request to the transaction code management platform includes: sending the first request to the transaction code management platform upon receiving confirmation input from the user regarding the order information.

6. The method as described in request item 1, wherein, The step of replacing the first payment account with the second payment account based on the card replacement mark includes: displaying at least one payment account based on the card replacement mark; receiving a user's selection input for the at least one payment account; and responding to the selection input by replacing the first payment account with the second payment account corresponding to the selection input.

7. A payment method applied to a transaction code management platform, comprising: Upon receiving a first request from the user terminal, a first payment request is sent to the resource transfer management platform. This first request carries a transaction code, which in turn carries a card replacement marker indicating that the transaction code supports changing the payment account. The first payment request also carries the user terminal's first payment account and the order corresponding to the transaction code. This first payment request requests the resource transfer management platform to process the payment for the order based on the first payment account. Upon receiving a transaction failure result from the resource transfer management platform, a first instruction is sent to the user terminal. This first instruction instructs the user terminal that the order payment with the first payment account failed and that the first payment account should be replaced. Upon receiving a second request from the user terminal, a first payment request is sent to the resource transfer management platform. The transfer management platform sends a second payment request, which carries a second payment account. This second payment request requests the resource transfer management platform to process the order payment based on the second payment account. This is to replace the first payment account with the second payment account after the first payment account fails, allowing payment to continue using the same transaction code but a different payment account. The resource transfer management platform includes a first resource transfer management platform and a second resource transfer management platform. If the first resource transfer platform corresponding to the first payment account and the second resource transfer platform corresponding to the second payment account are not the same, the transaction code management platform sends the second payment request to the second resource transfer platform.

8. The method as described in request item 7, wherein, The transaction code is a payment code; Before sending the first payment request to the resource transfer management platform, the method further includes: receiving a payment code generation request sent by the user terminal, the payment code generation request being used to request the transaction code management platform to generate the payment code; generating an initial payment code according to the payment code generation request; embedding the card replacement mark into the initial payment code to obtain the payment code; and sending the payment code to the user terminal.

9. The method as described in claim 7, wherein, The transaction code is a payment code; before sending the first payment request to the resource transfer management platform, the method further includes: upon receiving order information sent by the merchant, sending order verification information to the user, wherein the order verification information includes the order information.

10. The method as described in claim 7, wherein, The second payment request also carries an order corresponding to the transaction code; Upon receiving the second request from the user terminal, sending a second payment request to the resource transfer management platform includes: matching the first resource transfer platform corresponding to the first payment account with the second resource transfer platform corresponding to the second payment account to obtain a matching result; If the matching result indicates that the first resource transfer platform and the second resource transfer platform are not the same resource transfer platform, a second payment request is sent to the second resource transfer management platform.

11. A payment method applied to a user terminal, comprising: Upon receiving the user's first input, a payment code is displayed. This payment code carries a card change indicator, which signifies that the transaction code supports changing the payment account. The payment code is provided by a transaction code management platform. A first request is sent to the transaction code management platform, carrying the transaction code. This first request requests payment for the order using the transaction code and the first payment account. Upon receiving a first instruction from the transaction code management platform, based on the card change indicator, the payment code and at least one payment account are displayed. The first instruction indicates that payment for the order using the first payment account failed, and the first payment account should be changed. Upon receiving a second input from the user regarding the at least one payment account, a second request is sent to the transaction code management platform to... The transaction code management platform sends a second payment request to the resource transfer management platform. This second request requests payment for the order via the transaction code and a second payment account. If payment fails with the first payment account, the first payment account is replaced with the second payment account, allowing payment to be completed using the same transaction code but a different payment account. The second payment account corresponds to the second input. The resource transfer management platform includes a first resource transfer management platform and a second resource transfer management platform. If the first resource transfer platform corresponding to the first payment account and the second resource transfer platform corresponding to the second payment account are not the same, the transaction code management platform sends the second payment request to the second resource transfer platform.

12. A payment method applied to a user terminal, comprising: Obtain a transaction code provided by the transaction code management platform. This transaction code carries a card replacement marker, indicating that the transaction code supports changing the payment account. Send a third payment request to the resource transaction management platform. This third payment request carries the transaction code, the order corresponding to the transaction code, and the user's first payment account. The third payment request requests the resource transaction management platform to process the payment for the order based on the transaction code and the first payment account. If a transaction failure result is received from the resource transaction management platform, the first payment account is replaced with a second payment account based on the card replacement marker. Send a fourth payment request to the resource transaction management platform. This fourth payment request carries the... The second payment account is mentioned, and the payment request is used to request the resource transaction management platform to process the payment for the order based on the transaction code and the second payment account, so that if the first payment account fails to pay, the first payment account can be replaced with the second payment account, and the payment can continue to be completed using the same transaction code but a different payment account; wherein, the resource transfer management platform includes a first resource transfer management platform and a second resource transfer management platform, and if the first resource transfer platform corresponding to the first payment account and the second resource transfer platform corresponding to the second payment account are not the same resource transfer platform, the transaction code management platform sends the fourth payment request to the second resource transfer management platform.

13. A payment device, applied to a user terminal, comprising: The system includes: an acquisition module for acquiring a transaction code provided by a transaction code management platform, the transaction code carrying a card replacement marker indicating that the transaction code supports changing the payment account; a sending module for sending a first request to the transaction code management platform, the first request carrying the transaction code and requesting payment for an order using the transaction code and a first payment account; and a replacement module for, upon receiving a first instruction from the transaction code management platform, replacing the first payment account with a second payment account based on the card replacement marker, the first instruction indicating that payment with the first payment account failed and thus the first payment account was replaced; the sending module is also used to send a second request to the transaction code management platform. The transaction code management platform sends a second payment request to the resource transfer management platform. This second request requests payment for the order via the transaction code and a second payment account. If payment fails with the first payment account, the first payment account is replaced with the second payment account, allowing payment to be completed using the same transaction code but a different payment account. The resource transfer management platform includes a first resource transfer management platform and a second resource transfer management platform. If the first resource transfer platform corresponding to the first payment account and the second resource transfer platform corresponding to the second payment account are not the same, the transaction code management platform sends the second payment request to the second resource transfer platform.

14. A payment device applied to a transaction code management platform, comprising: The sending module is configured to send a first payment request to the resource transfer management platform upon receiving a first request from the user terminal. The first payment request carries a transaction code, which carries a card replacement marker indicating that the transaction code supports changing the payment account. The first payment request carries the user terminal's first payment account and the order corresponding to the transaction code. The first payment request is used to request the resource transfer management platform to process the payment for the order based on the first payment account. The sending module is also configured to send a first instruction to the user terminal upon receiving a transaction failure result from the resource transfer management platform. The first instruction is used to instruct the first payment account to change the order payment account if the first payment account failed to pay. The sending module is further configured to send a first instruction to the user terminal upon receiving a first request from the user terminal. In the case of a second request, a second payment request is sent to the resource transfer management platform. The second payment request carries a second payment account and is used to request the resource transfer management platform to process the payment for the order based on the second payment account. This is to replace the first payment account with the second payment account after the first payment account fails, and continue to complete the payment through the same transaction code but a different payment account. The resource transfer management platform includes a first resource transfer management platform and a second resource transfer management platform. If the first resource transfer platform corresponding to the first payment account and the second resource transfer platform corresponding to the second payment account are not the same resource transfer platform, the transaction code management platform sends the second payment request to the second resource transfer platform.

15. A computer device, the device comprising: Processor and memory storing computer program instructions; When the processor executes the computer program instructions, it implements the payment method described in any one of claims 1 to 6, the payment method described in any one of claims 7 to 10, the payment method described in claim 11, or the payment method described in claim 12.

16. A storage medium storing computer program instructions that, when executed by a processor, implement a payment method as described in any one of claims 1 to 6, a payment method as described in any one of claims 7 to 10, a payment method as described in claim 11, or a payment method as described in claim 12.

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