Payment method and apparatus, and device and storage medium

Abstract

Disclosed in the present application are a payment method and apparatus, and a device and a storage medium. The method comprises: acquiring a transaction code provided by a transaction code management platform, wherein the transaction code carries a card replacement mark; sending to the transaction code management platform a first request that carries the transaction code, wherein the first request is used for requesting payment of an order by means of the transaction code and a first payment account; when a first instruction sent by the transaction code management platform is received, replacing the first payment account with a second payment account on the basis of the card replacement mark; and sending a second request to the transaction code management platform, wherein the second request is used for requesting the payment of the order by means of the transaction code and the second payment account.

Description

Payment method, device, equipment and storage medium

[0001] CROSS-REFERENCE TO RELATED APPLICATIONS

[0002] This application claims priority to Chinese patent application No. 202310898880.8, filed on July 20, 2023, entitled “Payment Method, Device, Equipment and Storage Medium,” the entire contents of which are incorporated herein by reference. Technical Field

[0003] The present application relates to the field of payment technology, and in particular to a payment method, apparatus, device, and storage medium. Background Art

[0004] With the development of Internet technology, conducting online transactions through electronic devices has become a common practice among Internet users. For example, a user can complete a payment by scanning a graphic code provided by a merchant through an electronic device, or the merchant can scan a payment code provided by the user through a barcode scanning device.

[0005] However, when the current payment account balance is insufficient or the network is stuck, the payment will 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 graphic code provided by the merchant; in the scanned scenario, the user needs to reselect another payment account on the payment page, wait for the payment page to regenerate a new payment code, and then provide the payment code to the merchant again. This makes the scanning code payment operation cumbersome and affects payment efficiency.

[0006] Summary of the Invention

[0007] The embodiments of the present application provide a payment method, apparatus, device, and storage medium, which can solve the problems of cumbersome QR code payment operations and low payment efficiency in related technologies.

[0008] In a first aspect, an embodiment of the present application provides a payment method, applied to a user terminal, which may include:

[0009] Obtain the transaction code provided by the transaction code management platform. The transaction code carries the card replacement mark;

[0010] Sending a first request to the transaction code management platform, the first request carrying the transaction code, the first request being used to request payment of the order using the transaction code and the first payment account;

[0011] Upon receiving a first instruction sent by the transaction code management platform, replacing the first payment account with the second payment account based on the card replacement mark, wherein the first instruction is used to indicate that the payment order of the first payment account has failed and the first payment account is replaced;

[0012] A second request is sent to the transaction code management platform, where the second request is used to request payment of the order using the transaction code and the second payment account.

[0013] In a second aspect, an embodiment of the present application provides a payment method, which is applied to a transaction code management platform. The method may include:

[0014] Upon receiving the first request sent by the user terminal, a first payment request is sent to the resource transfer management platform. The first request carries a transaction code, the transaction code carries a card replacement mark, the first payment request carries the first payment account of the user terminal and the order corresponding to the transaction code, and the first payment request is used to request the resource transfer management platform to process payment for the order based on the first payment account;

[0015] Upon receiving a transaction failure result from the resource transfer management platform, sending a first instruction to the user terminal, the first instruction being used to instruct the first payment account to pay for the order failure and to change the first payment account;

[0016] Upon receiving the second request sent by the user terminal, a second payment request is sent to the resource transfer management platform. The second payment request carries the second payment account, and the second payment request is used to request the resource transfer management platform to process payment for the order based on the second payment account.

[0017] In a third aspect, an embodiment of the present application provides a payment method, applied to a user terminal, which may include:

[0018] When receiving the first input from the user, the payment code is displayed. The payment code carries a card replacement mark and is provided by the transaction code management platform.

[0019] Sending a first request to the transaction code management platform, the first request carrying the transaction code, the first request being used to request payment of the order using the transaction code and the first payment account;

[0020] Upon receiving a first instruction from the transaction code management platform, displaying a payment code and at least one payment account based on the card change mark, wherein the first instruction is used to indicate that a payment order with the first payment account has failed and the first payment account needs to be replaced;

[0021] When a second input of at least one payment account is received from the user, a second request is sent to the transaction code management platform, where the second request is used to request payment of the order using the transaction code and the second payment account, where the second payment account corresponds to the second input.

[0022] In a fourth aspect, an embodiment of the present application provides a payment method, applied to a user terminal, which may include:

[0023] Obtain the transaction code provided by the transaction code management platform. The transaction code carries the card replacement mark;

[0024] Sending a third payment request to the resource transaction management platform, the third payment request carrying the transaction code, the order corresponding to the transaction code, and the first payment account of the user end, the third payment request being used to request the resource transaction management platform to process payment for the order based on the transaction code and the first payment account;

[0025] Upon receiving a transaction failure result from the resource transaction management platform, replacing the first payment account with the second payment account based on the card replacement mark;

[0026] A fourth payment request is sent 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 process payment for the order based on the transaction code and the second payment account.

[0027] In a fifth aspect, an embodiment of the present application provides a payment device, applied to a user terminal, comprising:

[0028] An acquisition module is used to obtain the transaction code provided by the transaction code management platform. The transaction code carries a card replacement mark.

[0029] a sending module, configured to send a first request to the transaction code management platform, the first request carrying the transaction code, the first request being used to request payment of the order using the transaction code and the first payment account;

[0030] a replacement module, configured to replace the first payment account with the second payment account based on the card replacement flag upon receiving a first instruction sent by the transaction code management platform, wherein the first instruction is used to indicate that a payment order by the first payment account has failed and the first payment account is replaced;

[0031] The sending module is further used to send a second request to the transaction code management platform, where the second request is used to request payment of the order using the transaction code and the second payment account.

[0032] In a sixth aspect, an embodiment of the present application provides a payment device, applied to a transaction code management platform, comprising:

[0033] a sending module configured to, upon receiving a first request from a user terminal, send a first payment request to the resource transfer management platform, wherein the first request carries a transaction code, the transaction code carries a card replacement token, the first payment request carries a first payment account of the user terminal and an order corresponding to the transaction code, and the first payment request is used to request the resource transfer management platform to process payment for the order based on the first payment account;

[0034] The sending module is further configured to, upon receiving a transaction failure result from the resource transfer management platform, send a first instruction to the user terminal, the first instruction being configured to instruct the first payment account to pay for the order failure and to change the first payment account;

[0035] The sending module is also used to send a second payment request to the resource transfer management platform when receiving a second request sent by the user terminal. The second payment request carries a second payment account, and the second payment request is used to request the resource transfer management platform to process the payment for the order based on the second payment account.

[0036] In a seventh aspect, an embodiment of the present application provides a payment device, applied to a user terminal, comprising:

[0037] A display module is configured to display a payment code upon receiving a first input from the user, the payment code carrying a card replacement mark, and the payment code being provided by the transaction code management platform;

[0038] a sending module, configured to send a first request to the transaction code management platform, the first request carrying the transaction code, the first request being used to request payment of the order using the transaction code and the first payment account;

[0039] The display module may also be configured to, upon receiving a first instruction sent by the transaction code management platform, display the payment code and at least one payment account based on the card replacement mark, wherein the first instruction is configured to indicate that a payment order with the first payment account has failed and that the first payment account should be replaced;

[0040] The sending module can also be used to send a second request to the transaction code management platform when receiving a second input of at least one payment account from the user, the second request being used to request payment of the order using the transaction code and the second payment account, where the second payment account corresponds to the second input.

[0041] In an eighth aspect, an embodiment of the present application provides a payment method, applied to a user terminal, which may include:

[0042] An acquisition module is used to obtain the transaction code provided by the transaction code management platform. The transaction code carries a card replacement mark.

[0043] a sending module, configured to send a third payment request to the resource transaction management platform, the third payment request carrying a transaction code, an order corresponding to the transaction code, and a first payment account of the user terminal, the third payment request being used to request the resource transaction management platform to process payment for the order based on the transaction code and the first payment account;

[0044] a replacement module, configured to replace the first payment account with the second payment account based on the card replacement mark when receiving a transaction failure result sent by the resource transaction management platform;

[0045] The sending module can also be used to 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 process payment for the order based on the transaction code and the second payment account.

[0046] In a ninth aspect, an embodiment of the present application provides a computer device, the computer device comprising: a processor and a memory storing computer program instructions;

[0047] When the processor executes the computer program instructions, the payment method as shown in the first aspect, the second aspect, the third aspect or the fourth aspect is implemented.

[0048] In the tenth aspect, an embodiment of the present application provides a computer storage medium having computer program instructions stored thereon. 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.

[0049] In the eleventh aspect, an embodiment of the present application provides a chip, which includes a processor and a communication interface, the communication interface and the processor are coupled, and the processor is used to run programs or instructions to implement the payment method shown in the first aspect, the second aspect, the third aspect or the fourth aspect.

[0050] In the twelfth aspect, an embodiment of the present application provides a computer program product, which is stored in a storage medium and 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.

[0051] The payment method, apparatus, device, and storage medium of the embodiments of the present application can obtain a transaction code provided by a transaction code management platform, the transaction code carrying a card replacement flag, and send a first request to the transaction code management platform. The first request carries the transaction code and is used to request payment of an order using the transaction code and a first payment account. Then, upon receiving a first instruction from 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 payment order of the first payment account has failed and the first payment account has been replaced. Then, a second request is sent to the transaction code management platform. The second request is used to request payment of the order using the transaction code and the second payment account. In this way, after a payment fails with the first payment account, only the first payment account needs to be replaced with the second payment account, and payment can be continued using the same transaction code and a different payment account. This reduces the need for users to re-scan the code in the main scanning scenario and for merchants to re-scan the code in the scanned scenario, simplifies the process of re-paying after payment failure, and makes the scan code payment operation simple. In addition, because the transaction code in the embodiments of the present application can be recycled multiple times, a single code can be reused, eliminating the need to re-acquire a new transaction code, shortening payment time, and improving payment efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0052] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0053] FIG1 is an architectural diagram of a payment method provided in an embodiment of the present application;

[0054] FIG2 is a flow chart of a payment method provided in an embodiment of the present application;

[0055] FIG3 is a flow chart of a payment method based on a transaction code management platform provided in an embodiment of the present application;

[0056] FIG4 is an interactive flow chart of a payment method provided in an embodiment of the present application;

[0057] FIG5 is a flowchart of a user-side payment method according to an embodiment of the present application;

[0058] FIG6 is a schematic diagram of an interface interaction of a payment method provided in an embodiment of the present application;

[0059] FIG7 is a second flowchart of a user-side payment method provided in an embodiment of the present application;

[0060] FIG8 is a schematic diagram of the structure of a payment device provided by one embodiment of the present application;

[0061] FIG9 is a schematic diagram of the structure of a payment device based on a transaction code management platform provided by one embodiment of the present application;

[0062] FIG10 is a schematic diagram of a structure of a payment device based on a user terminal according to an embodiment of the present application;

[0063] FIG11 is a second structural diagram of a payment device based on a user terminal provided in one embodiment of the present application;

[0064] FIG12 is a schematic diagram of the structure of a computer device provided in one embodiment of the present application. DETAILED DESCRIPTION

[0065] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is merely to provide a better understanding of the present application by illustrating the examples of the present application.

[0066] It should be noted that, in this document, relational terms such as first and second, etc., are used only 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 terms "comprises," "comprising," or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article, or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, article, or device. In the absence of further limitations, an element defined by the phrase "comprising..." does not exclude the presence of additional identical elements in the process, method, article, or device comprising the element.

[0067] The acquisition, storage, use, and processing of data (including but not limited to the features and information herein) in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0068] In related technologies, when payment fails due to insufficient balance in the current payment account or network lag, the payment process can be re-initiated by re-scanning the code or pre-defined order. For the re-scanning method, after the current payment fails, the re-scanning payment method can be used. For example, in the scanned scenario, the user needs to select another payment account on the payment page and wait for the payment page to regenerate the payment QR code so that the merchant can re-scan the QR code to complete the payment; in the main scanning scenario, the user needs to re-scan the merchant QR code and select another payment card on the payment page to complete the payment. However, this method requires repeating the entire payment process, making the scan code payment operation cumbersome and affecting payment efficiency. For the pre-defined order method, the user pre-sets the deduction order for various payment methods under the payment account, and then polls the deduction attempts in order. However, on the one hand, this payment method has a pre-defined deduction order and is shared by all automatic deduction services, making it impossible to flexibly change; on the other hand, the pre-defined deduction order is not combined with the default payment card (i.e., the card that successfully paid last time). Currently, only one method can be selected for payment, making the payment process cumbersome.

[0069] In order to solve the problems in the related art, the embodiments of the present application provide a payment method, apparatus, computer equipment and storage medium.

[0070] The payment method, apparatus, computer device, and storage medium according to the embodiments of the present application will be described in detail below with reference to Figures 1 to 12 . It should be noted that these embodiments are not intended to limit the scope of the present application.

[0071] First, the payment architecture provided in the embodiments of the present application is described in detail.

[0072] As shown in Figure 1, the payment architecture 10 may include a user terminal 101, a transaction code management platform 102, a merchant terminal 103, and a resource transfer management platform 104. The above modules are described in detail below.

[0073] The user terminal 101 is configured to interact with at least one of the transaction code management platform 102, the merchant terminal 103, and the resource transfer management platform 104. The user terminal 101 can receive payment input from a user and send a payment code generation request to the transaction code management platform 102 to obtain a payment code. Alternatively, the user terminal 101 can receive a code scan input from a user and scan a payment code provided by the merchant terminal 103 to extract the payment code from the image captured by the camera. The payment code and payment code are collectively referred to as transaction codes, and the transaction code carries a card replacement flag. Furthermore, the user terminal 101 is configured to send a first request to the transaction code management platform 102, the first request carrying the transaction code, requesting payment of an order using the transaction code and a first payment account. Upon receiving a first instruction from the transaction code management platform 102, the user terminal 101, based on the card replacement flag, changes the first payment account to a second payment account, indicating that payment of the order by the first payment account failed and requiring the first payment account to be replaced. The user terminal 101 then sends a second request to the transaction code management platform 102, requesting payment of the order using the transaction code and the second payment account.

[0074] The transaction code management platform 102 can be used to interact with at least one of the user terminal 101, the merchant terminal 103, and the resource transfer management platform 104. Specifically, the transaction code management platform 102 can be used to generate transaction codes, which may include payment codes or receipt codes. Furthermore, based on a payment code generation request sent by the user terminal 101, the transaction code management platform 102 can generate an initial payment code, embed a card replacement token into the initial payment code, obtain a payment code, and send the payment code to the user terminal 101. Alternatively, based on a receipt code generation request sent by the merchant terminal 103, the transaction code management platform 102 can generate an initial receipt code, embed a card replacement token into the initial receipt code, obtain a receipt code, and send the receipt code to the merchant terminal 103. The transaction code management platform 102 can also be used to, upon receiving a first request sent by the user terminal 101, send a first payment request to the resource transfer management platform 104, the first request carries the transaction code, the transaction code carries a card replacement mark, the first payment request carries the first payment account of the user terminal 101 and the order corresponding to the transaction code, the first payment request is used to request the resource transfer management platform 104 to process the payment for the order based on the first payment account; and, upon receiving a transaction failure result sent by the resource transfer management platform 104, send a first instruction to the user terminal 101, the first instruction is used to indicate that the payment order of the first payment account failed and the first payment account is replaced; then, upon receiving a second request sent by the user terminal 101, send a second payment request to the resource transfer management platform 104, 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 process the payment for the order based on the second payment account.

[0075] The merchant terminal 103 can be used to interact with the user terminal 101 and the transaction code management platform 102. The merchant terminal 103 can provide a payment code to the user terminal 101 or scan the payment code provided by the user terminal 101 to send order information to the transaction code management platform 102. The payment code provided by the merchant terminal 103 can be issued by the transaction code management platform 102.

[0076] The resource transfer management platform 104 is used to perform resource settlement based on the payment requests provided by the user terminal 101 and the transaction code management platform 102. For example, it receives a first payment request sent by the transaction code management platform 102, the first request carries a transaction code, and the transaction code carries a card replacement mark. The resource transfer management platform 104 can process the payment for the order based on the first payment request carrying the first payment account of the user terminal 101 and the order corresponding to the transaction code; and receives a second payment request sent by the resource transfer management platform 104, the second payment request carries a second payment account, and the resource transfer management platform 104 is used to process the payment for the order based on the second payment account.

[0077] Therefore, the payment architecture 10 provided in the embodiment of the present application can, after the payment fails with the first payment account of the user end 101, only need to replace the first payment account with the second payment account, and continue to complete the payment through the same transaction code and different payment account, thereby reducing the operation of the user re-scanning the code in the main scanning scenario and the merchant re-scanning the code in the scanned scenario, simplifying the process of re-payment after payment failure, making the scanning code payment operation simple, and, since the transaction code in the embodiment of the present application can be recycled multiple times, one code can be reused, omitting the process of re-obtaining a new transaction code, shortening the payment time, and improving the payment efficiency.

[0078] It should be noted that the payment method provided in the embodiment of the present application can be applied to the code scanning scenario, which can include the active code scanning scenario, that is, the scenario in which the user terminal actively scans the payment code provided by the merchant terminal, and can also include the passive code scanning scenario, that is, the scenario in which the merchant terminal scans the payment code provided by the user terminal.

[0079] In order to better illustrate the contents in the embodiment of the present application, based on the above-mentioned payment architecture, a payment method provided in the embodiment of the present application is described below in combination with Figures 2 to 9, as shown below.

[0080] FIG2 is a flow chart of a payment method provided in an embodiment of the present application.

[0081] As shown in FIG2 , the payment method may be applied to a user terminal and may specifically include the following steps:

[0082] Step 210: Obtain the transaction code provided by the transaction code management platform, where the transaction code carries a card replacement mark. Step 220: Send a first request to the transaction code management platform, where the first request carries the transaction code and is used to request payment of the order through the transaction code and the first payment account. Step 230: Upon receiving the first instruction sent by the transaction code management platform, replace the first payment account with the second payment account based on the card replacement mark. The first instruction is used to indicate that the payment order of the first payment account has failed and replace the first payment account. Step 240: Send a second request to the transaction code management platform, where the second request is used to request payment of the order through the transaction code and the second payment account.

[0083] In this way, after payment fails with the first payment account, you only need to change the first payment account to the second payment account, and you can continue to complete the payment through the same transaction code and different payment accounts, reducing the operations of users re-scanning the code in the main scanning scenario and asking merchants to re-scan the code in the scanned scenario, simplifying the process of re-payment after payment failure, making the scan code payment operation simple, and because the transaction code in the embodiment of the present application can be recycled multiple times, one code can be reused, omitting the process of re-obtaining a new transaction code, shortening the payment time, and improving payment efficiency.

[0084] The above steps are described in detail below.

[0085] First, step 210 is involved. In one or more possible embodiments, the transaction code is a payment code. Based on this, step 210 may specifically include:

[0086] Upon receiving the user's payment input, a payment code generation request is sent 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;

[0087] Receive the payment code sent by the transaction code management platform.

[0088] In one or more other possible embodiments, the transaction code is a payment code of the merchant. Based on this, step 210 may specifically include:

[0089] When receiving the user's scan code input, the payment code is extracted from the image captured by the camera.

[0090] Next, regarding step 220, in one or more possible embodiments, based on the embodiment in which the transaction code is a payment code in step 210, before step 220, the transaction method may further include:

[0091] Displays the order verification information sent by the transaction code management platform. The order verification information includes the order information, which is determined by the merchant side;

[0092] Receive user confirmation input on order verification information;

[0093] Based on this, step 220 may specifically include:

[0094] In response to the confirmation input, a first request is sent to the transaction code management platform.

[0095] In one or more other possible embodiments, based on the embodiment in which the transaction code is a merchant's payment code involved in step 210, before step 220, the transaction method may further include:

[0096] Identify the payment code and display the order information;

[0097] Based on this, step 220 may specifically include:

[0098] When the user confirms the order information, a first request is sent to the transaction code management platform. In step 230, in one or more possible embodiments, step 230 may specifically include:

[0099] Based on the card replacement mark, display at least one payment account;

[0100] receiving a user's selection input of at least one payment account;

[0101] In response to the selection input, the first payment account is replaced with a second payment account corresponding to the selection input.

[0102] In addition, based on the payment method applied to the user end shown in Figure 2, based on the same inventive concept, the embodiment of the present application also provides a payment method based on the transaction code management platform, which is specifically described in conjunction with Figure 3.

[0103] FIG3 is a flow chart of a payment method based on a transaction code management platform provided in an embodiment of the present application.

[0104] As shown in FIG3 , the payment method can be applied to the transaction code management platform. The payment method may specifically include the following steps:

[0105] Step 310: Upon receiving a first request from the user terminal, a first payment request is sent to the resource transfer management platform. The first request carries a transaction code, the transaction code carries a card replacement mark, the first payment request carries the user terminal's first payment account and the order corresponding to the transaction code, and 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. Step 320: Upon receiving a transaction failure result from the resource transfer management platform, a first instruction is sent to the user terminal. The first instruction is used to indicate that the payment order of the first payment account has failed and the first payment account needs to be replaced. Step 330: Upon receiving a second request from the user terminal, a second payment request is sent 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 process the payment for the order based on the second payment account.

[0106] The above steps are described in detail below.

[0107] First, referring to 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:

[0108] Receive a payment code generation request sent by the user end, which is used to request the transaction code management platform to generate a payment code;

[0109] Generate an initial payment code based on the payment code generation request;

[0110] Embed the card replacement mark into the initial payment code to obtain the payment code;

[0111] Send the payment code to the user.

[0112] In one or more other 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:

[0113] When the order information sent by the merchant side is received, the order verification information is sent to the user side. The order verification information includes the order information so that the user can check the order information.

[0114] Then, step 330 is involved. 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. The second payment request also carries an order corresponding to the transaction code. Based on this, step 330 may specifically include:

[0115] 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;

[0116] When 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.

[0117] It should be noted that for the interaction between the merchant and the transaction code management platform, the transaction code management platform can receive the payment code generation request sent by the merchant, and the payment code generation request is used to request the transaction code management platform to generate a payment code; generate an initial payment code based on the payment code generation request; embed the card replacement mark into the payment code to obtain the payment code; send the payment code to the merchant, and the payment code carries the transaction code.

[0118] In this way, a transaction code provided by a transaction code management platform can be obtained, the transaction code carrying a card replacement mark, and a first request can be sent to the transaction code management platform. The first request carries the transaction code and is used to request payment of the order using the transaction code and the first payment account. Then, upon receiving a first instruction sent by the transaction code management platform, based on the card replacement mark, the first payment account is replaced with the second payment account. The first instruction is used to indicate that the payment order of the first payment account has failed, and the first payment account is replaced. Then, a second request can be sent to the transaction code management platform, and the second request is used to request payment of the order using the transaction code and the second payment account. In this way, after payment fails with the first payment account, only the first payment account needs to be replaced with the second payment account, and payment can be continued using the same transaction code and a different payment account. This reduces the need for users to re-scan the code in the main scanning scenario and for merchants to re-scan the code in the scanned scenario, simplifies the process of re-paying after payment failure, and makes the scan code payment operation simple. In addition, since the transaction code in the embodiment of the present application can be recycled multiple times, a single code can be reused, eliminating the process of re-obtaining a new transaction code, shortening the payment time, and improving payment efficiency.

[0119] Based on the payment methods shown in Figures 2 and 3, the payment method provided in the embodiment of the present application is described in detail below, taking the passive code scanning scenario as an example, in combination with Figure 4.

[0120] FIG4 is one of the interactive flow charts of a payment method provided in an embodiment of the present application.

[0121] As shown in FIG4 , the user terminal 101 may be a user-side application (APP) in the electronic device 101 , the transaction code management platform 102 may be a QR code platform, the merchant terminal 101 may be a merchant, and the resource transfer management platform 104 may be a bank. Based on this, the payment method may include:

[0122] Step (1): The user-side APP applies for a payment code from the QR code platform based on the default payment account, i.e., the first payment account, and requests a card replacement mark to be attached when applying for the payment code;

[0123] Step (2), the QR code platform returns the payment code and records the payment code with a card change mark, which is used to mark the payment code as supporting the change of payment account;

[0124] Step (3): After the merchant scans the payment code displayed by the user-side APP, it sends a consumption request to the QR code platform, which includes the order information;

[0125] 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 the order information;

[0126] Step (5): The user-side APP initiates payment with a card change mark;

[0127] Step (6): The QR code platform processes the card replacement mark, converts it into a deduction application for the corresponding first payment account, and sends it to the corresponding bank;

[0128] Step (7), the bank processes the deduction application and feeds back the deduction result to the QR code platform;

[0129] Step (8), the QR code platform sends the deduction result to the user-side APP;

[0130] In step (9), the user-side APP displays the deduction result and performs the following judgment processing: if the deduction is successful, or the deduction fails and the user chooses not to continue the card replacement payment, then jump to step 11; if the deduction fails and the user chooses to continue the card replacement payment, then execute step 10;

[0131] Step (10): The user-side APP displays a list of payment accounts that can be used to change the payment account. The payment account list may include at least one payment account. If the user reselects one of the payment accounts, i.e., the second payment account, the process jumps to step 5.

[0132] In step (11), the user-side APP sends transaction result confirmation information to the QR code platform, including confirmation of payment success, or acceptance of payment failure and no further payment through a different payment account.

[0133] In step (12), the QR code platform notifies the merchant and the user-side APP of the final transaction result.

[0134] It should be noted that in the main scanning scenario, the user-side APP needs to scan the payment code provided by the merchant. The principles of other payment processes are similar and will not be repeated here. In addition, the payment account in the embodiment of this application is a general term for payment channels, which can include various payment tools such as bank cards, account balances, and credit products.

[0135] Therefore, the payment method provided by the embodiment of the present application can be applied to both offline main scanning and scanned scenarios. A transaction code provided by a transaction code management platform can be obtained, the transaction code carrying a card replacement flag. A first request can be sent to the transaction code management platform, the first request carrying the transaction code, and the first request being used to request payment of the order using the transaction code and a first payment account. Subsequently, upon receiving a first instruction from the transaction code management platform, the first payment account is replaced with a second payment account based on the card replacement flag. The first instruction is used to indicate that the payment order failed with the first payment account and the first payment account is replaced. Then, a second request is sent to the transaction code management platform, the second request being used to request payment of the order using the transaction code and the second payment account. In this way, after a payment fails with the first payment account, simply replacing the first payment account with the second payment account allows payment to be completed using the same transaction code and a different payment account. This reduces the need for users to re-scan the code in the main scanning scenario and for merchants to re-scan the code in the scanned scenario, simplifies the process of re-paying after a payment failure, and simplifies the scan code payment operation. Furthermore, since the transaction code in the embodiment of the present application can be reused multiple times, a single code can be reused, eliminating the need to re-acquire a new transaction code, shortening payment time and improving payment efficiency. Furthermore, the payment method provided in the embodiment of the present application combines the payment functions of the default payment card and the predefined deduction sequence to enhance payment flexibility.

[0136] Based on the same inventive concept, the payment method provided in the embodiment of the present application also provides an embodiment of the interaction between the user terminal and the transaction code management platform of the payment method, which can be specifically described in conjunction with Figure 5.

[0137] FIG5 is one of the flow charts of a user-side-based payment method provided in an embodiment of the present application.

[0138] As shown in FIG5 , the payment method may be applied to a user terminal and may specifically include the following steps:

[0139] Step 510: Upon receiving the user's first input, the payment code is displayed. The payment code carries a card change mark, and the payment code is provided by the transaction code management platform. Step 520: A first request is sent to the transaction code management platform. The first request carries the transaction code, and the first request is used to request payment of the order through the transaction code and the first payment account. Step 530: Upon receiving the first instruction sent by the transaction code management platform, the payment code and at least one payment account are displayed based on the card change mark. The first instruction is used to indicate that the payment order of the first payment account fails and the first payment account is replaced. Step 540: Upon receiving the user's second input for at least one payment account, a second request is sent to the transaction code management platform. The second request is used to request payment of the order through the transaction code and the second payment account. The second payment account corresponds to the second input.

[0140] For example, as shown in FIG6 , upon receiving a first input from the user, a payment code is displayed so that the merchant can scan the payment code. Subsequently, upon receiving a first instruction from the transaction code management platform, based on the card change flag, the payment code and at least one payment account, such as payment account 1, payment account 2, and payment account 3, are displayed. Upon receiving an input from the user selecting payment account 3 from the at least one payment account, 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, requesting payment of the order using the transaction code and the second payment account. It should be noted that in FIG6 , regardless of the stage of the payment process, the payment code remains unchanged. Thus, within the current order payment cycle, the same payment code can be reused multiple times based on the user's selection of different payment accounts, enabling code reuse.

[0141] It should be noted that the transaction code management platform that interacts with the user terminal shown in FIG5 can refer to the content shown in FIG3 , and no further description will be given.

[0142] Based on the same inventive concept, the payment method provided in the embodiment of the present application also provides an embodiment of the interaction between the user terminal and the resource transfer management platform, which can be specifically described in conjunction with Figure 7.

[0143] FIG7 is a second flowchart of a user-side-based payment method provided in an embodiment of the present application.

[0144] As shown in FIG7 , the payment method may be applied to a user terminal, and the payment method may specifically include the following steps:

[0145] Step 710: Obtain the transaction code provided by the transaction code management platform, where the transaction code carries a card change mark. Step 720: Send a third payment request to the resource transaction management platform, where the third payment request carries the transaction code, the order corresponding to the transaction code, and the first payment account of the user terminal. The third 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 first payment account. Step 730: Upon receiving the transaction failure result sent by the resource transaction management platform, replace the first payment account with the second payment account based on the card change mark. Step 740: Send a fourth payment request to the resource transaction management platform, where the fourth payment request carries the second payment account. 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.

[0146] Based on the same inventive concept, the present application also provides a payment device, which will be described in detail with reference to FIG8 .

[0147] FIG8 is a schematic diagram of the structure of a payment device provided in one embodiment of the present application.

[0148] In some embodiments of the present application, the payment device shown in Figure 8 can be set at the user end of the embodiment of the present application.

[0149] As shown in FIG8 , the payment device 80 may specifically include:

[0150] The acquisition module 801 is used to obtain the transaction code provided by the transaction code management platform. The transaction code carries a card replacement mark.

[0151] A sending module 802 is configured to send a first request to the transaction code management platform, the first request carrying the transaction code, and the first request being used to request payment of the order using the transaction code and the first payment account;

[0152] A replacement module 803 is configured to replace the first payment account with the second payment account based on the card replacement flag upon receiving a first instruction sent by the transaction code management platform, wherein the first instruction is used to indicate that the payment order of the first payment account has failed and the first payment account should be replaced;

[0153] The sending module 802 is further configured to send a second request to the transaction code management platform, where the second request is configured to request payment of the order using the transaction code and the second payment account.

[0154] The payment device 80 in the embodiment of the present application is described in detail below.

[0155] In one or more optional embodiments, the sending module 802 in the embodiment of the present application is further configured to, upon receiving a payment input from a user, send a payment code generation request to the transaction code management platform, wherein the payment code generation request is used to request the transaction code management platform to generate a payment code;

[0156] Receive the payment code sent by the transaction code management platform.

[0157] In another or more optional embodiments, the payment device 80 in the embodiment of the present application may further include a first display module and a first receiving module; wherein,

[0158] A first display module is used to display the order verification information sent by the transaction code management platform, the order verification information includes order information, and the order information is determined by the merchant end;

[0159] A first receiving module is used to receive a user's confirmation input of the order verification information;

[0160] The sending module 802 may be specifically configured to send a first request to the transaction code management platform in response to the confirmation input.

[0161] In one or more optional embodiments, the payment device 80 in the embodiment of the present application may further include an extraction module; wherein,

[0162] The extraction module is used to extract the payment code from the image captured by the camera when the transaction code is the payment code of the merchant end and the user's scanning code input is received.

[0163] In one or more optional embodiments, the payment device 80 in the embodiment of the present application may further include an identification module and a second display module; wherein,

[0164] Identification module, used to identify the payment code;

[0165] The second display module is used to display the order information corresponding to the payment code;

[0166] The sending module 802 may also be configured to send a first request to the transaction code management platform upon receiving confirmation input of the user regarding the order information.

[0167] In one or more optional embodiments, the payment device 80 in the embodiment of the present application may further include a third display module and a second receiving module; wherein,

[0168] a third display module, configured to display at least one payment account based on the card replacement mark;

[0169] A second receiving module is configured to receive a user's selection input of at least one payment account;

[0170] The replacement module 803 may also be configured to, in response to a selection input, replace the first payment account with a second payment account corresponding to the selection input.

[0171] Thus, the payment device of the embodiment of the present application can obtain a transaction code provided by the transaction code management platform, the transaction code carrying a card replacement flag, and send a first request to the transaction code management platform. The first request carries the transaction code and is used to request payment of the order using the transaction code and the first payment account. Then, upon receiving a first instruction from 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 payment order of the first payment account has failed and the first payment account has been replaced. Then, a second request is sent to the transaction code management platform, the second request being used to request payment of the order using the transaction code and the second payment account. In this way, after a payment fails with the first payment account, only the first payment account needs to be replaced with the second payment account, and payment can be continued using the same transaction code and a different payment account. This reduces the need for the user to re-scan the code in the main scanning scenario and for the merchant to re-scan the code in the scanned scenario, simplifies the re-payment process after payment failure, and makes the scan code payment operation simpler. In addition, because the transaction code in the embodiment of the present application can be recycled multiple times, a single code can be reused, eliminating the need to re-acquire a new transaction code, shortening payment time, and improving payment efficiency.

[0172] Based on the same inventive concept, the present application also provides a payment device, which will be described in detail with reference to FIG9 .

[0173] FIG9 is a schematic structural diagram of a payment device based on a transaction code management platform provided in one embodiment of the present application.

[0174] In some embodiments of the present application, the payment device shown in Figure 9 can be set on the transaction code management platform of the embodiment of the present application.

[0175] As shown in FIG9 , the payment device 90 may specifically include:

[0176] Sending module 901 is configured to, upon receiving a first request from a user terminal, send a first payment request to the resource transfer management platform. The first request carries a transaction code, which carries a card replacement token. 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 payment for the order based on the first payment account.

[0177] The sending module 901 is further configured to, upon receiving a transaction failure result from the resource transfer management platform, send a first instruction to the user terminal, wherein the first instruction is configured to instruct the first payment account to pay for the order failure and to change the first payment account;

[0178] The sending module 901 is also used to send a second payment request to the resource transfer management platform when receiving a second request sent by the user terminal. The second payment request carries a second payment account, and the second payment request is used to request the resource transfer management platform to process the payment for the order based on the second payment account.

[0179] The payment device 90 in the embodiment of the present application is described in detail below.

[0180] In one or more optional embodiments, the payment device 90 in the embodiment of the present application may further include a receiving module, a generating module and a processing module; wherein,

[0181] A receiving module, configured to receive a payment code generation request sent by a user terminal when the transaction code is a payment code, wherein the payment code generation request is used to request the transaction code management platform to generate a payment code;

[0182] A generation module, used to generate an initial payment code according to a payment code generation request;

[0183] A processing module, configured to embed the card replacement mark into the initial payment code to obtain a payment code;

[0184] The sending module 901 is further used to send a payment code to the user terminal.

[0185] In another or more optional embodiments, the sending module 901 can also be used to, when the transaction code is a payment code, send order verification information to the user end when order information sent by the merchant end is received, and the order verification information includes order information.

[0186] In one or more optional embodiments, the payment device 90 in the embodiment of the present application may further include a matching module; wherein,

[0187] a matching module 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;

[0188] The sending module 901 is further configured to send a second payment request to the second resource transfer management platform when the matching result indicates that the first resource transfer platform and the second resource transfer platform are not the same resource transfer platform.

[0189] Based on the same inventive concept, the present application also provides a payment device, which will be described in detail with reference to FIG10 .

[0190] FIG10 is one of the structural diagrams of a user-side payment device provided in one embodiment of the present application.

[0191] In some embodiments of the present application, the payment device shown in Figure 10 can be set at the user end of the embodiment of the present application.

[0192] As shown in FIG10 , the payment device 100 may specifically include:

[0193] Display module 1001, configured to display a payment code upon receiving a first input from the user, the payment code carrying a card replacement mark, and provided by the transaction code management platform;

[0194] A sending module 1002 is configured to send a first request to the transaction code management platform, the first request carrying the transaction code, and the first request being used to request payment of the order using the transaction code and the first payment account;

[0195] The display module 1001 may also be configured to, upon receiving a first instruction from the transaction code management platform, display a payment code and at least one payment account based on the card change flag, wherein the first instruction is configured to indicate that a payment order with the first payment account has failed and that the first payment account should be replaced;

[0196] The sending module 1002 can also be used to send a second request to the transaction code management platform when receiving a second input of at least one payment account from the user, the second request being used to request payment of the order through the transaction code and the second payment account, where the second payment account corresponds to the second input.

[0197] Based on the same inventive concept, the present application also provides a payment device, which will be described in detail with reference to FIG11 .

[0198] FIG11 is a second structural diagram of a user-side payment device provided in one embodiment of the present application.

[0199] In some embodiments of the present application, the payment device shown in Figure 11 can be set at the user end of the embodiment of the present application.

[0200] As shown in FIG11 , the payment device 110 may specifically include:

[0201] An acquisition module 1101 is used to acquire a transaction code provided by a transaction code management platform. The transaction code carries a card replacement mark.

[0202] A sending module 1102 is configured to send a third payment request to the resource transaction management platform. The third payment request carries a transaction code, an order corresponding to the transaction code, and the first payment account of the user terminal. The third payment request is used to request the resource transaction management platform to process payment for the order based on the transaction code and the first payment account.

[0203] A replacement module 1103 is configured to replace the first payment account with a second payment account based on the card replacement mark when receiving a transaction failure result sent by the resource transaction management platform;

[0204] The sending module 1102 can also be used to 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 process payment for the order based on the transaction code and the second payment account.

[0205] Based on the same inventive concept, the present application also provides a computer device, which will be described in detail with reference to FIG12 .

[0206] FIG12 is a schematic diagram of the structure of a computer device provided in one embodiment of the present application.

[0207] As shown in Figure 12, the computer device may include at least one of the following involved in the embodiments of the present application: an electronic device, a server. The computer device may include a processor 1201 and a memory 1202 storing computer program instructions.

[0208] Specifically, the processor 1201 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0209] Memory 1202 may include a large capacity memory for data or instructions. By way of example and not limitation, memory 1202 may include a hard disk drive (HDD), a floppy disk drive, 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. Where appropriate, memory 1202 may include removable or non-removable (or fixed) media. Where appropriate, memory 1202 may be internal or external to the computer device. In a specific embodiment, memory 1202 is a non-volatile solid-state memory. In a specific embodiment, memory 1202 includes solid-state memory (ROM). Where appropriate, the ROM may be a mask-programmed ROM, a programmable ROM (PROM), an erasable PROM (EPROM), an electrically erasable PROM (EEPROM), an electrically rewritable ROM (EAROM), or flash memory, or a combination of two or more of these.

[0210] The processor 1201 implements any one of the payment methods in the above embodiments by reading and executing computer program instructions stored in the memory 1202 .

[0211] In one example, the computer device may further include a communication interface 1203 and a bus 1210. As shown in FIG12, the processor 1201, the memory 1202, and the communication interface 1203 are connected via the bus 1210 and communicate with each other.

[0212] The communication interface 1203 is mainly used to implement communication between various modules, devices, units and / or equipment in the embodiments of the present application.

[0213] Bus 1210 comprises hardware, software or both, and the parts of flow control device are coupled to each other.For example, and not limitation, bus can comprise accelerated graphics port (AGP) or other graphics buses, enhanced industrial standard architecture (EISA) bus, front side bus (FSB), hypertransport (HT) interconnection, industrial standard architecture (ISA) bus, infinite bandwidth interconnection, low pin count (LPC) bus, memory bus, micro channel architecture (MCA) bus, peripheral component interconnection (PCI) bus, PCI-Express (PCI-X) bus, serial advanced technology attachment (SATA) bus, video electronics standard association local (VLB) bus or other suitable bus or two or more of these combinations.In suitable cases, bus 1210 can comprise one or more buses.Although the present application embodiment describes and shows specific bus, the application considers any suitable bus or interconnection.

[0214] The data processing device can execute the payment method in the embodiment of the present application, thereby realizing the payment method and apparatus described in conjunction with Figures 1 to 11.

[0215] In addition, in conjunction with the payment methods in the above embodiments, embodiments of the present application may provide a computer-readable storage medium for implementation. The computer-readable storage medium stores computer program instructions; when the computer program instructions are executed by a processor, any one of the payment methods in the above embodiments is implemented.

[0216] It should be understood that the present application is not limited to the specific configurations and processes described above and illustrated in the figures. For the sake of brevity, a detailed description of known methods is omitted here. In the above embodiments, several specific steps are described and illustrated as examples. However, the method process of the present application is not limited to the specific steps described and illustrated. Those skilled in the art can make various changes, modifications, and additions, or change the order of the steps after understanding the spirit of the present application.

[0217] The functional blocks shown in the above block diagram can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, etc. When implemented in software, the elements of the present application are programs or code segments that are used to perform the required tasks. Programs or code segments can be stored in machine-readable media, or transmitted on a transmission medium or a communication link by a data signal carried in a carrier wave. "Machine-readable media" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROMs, flash memories, erasable ROMs (EROMs), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc. The code segments can be downloaded via computer networks such as the Internet, intranets, etc.

[0218] It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, this application is not limited to the order of the above steps. In other words, the steps can be performed in the order mentioned in the embodiments, or in a different order, or several steps can be performed simultaneously.

[0219] The above is only a specific implementation method of the present application. Those skilled in the art can clearly understand that for the convenience and brevity of description, the specific working processes of the systems, modules and units described above can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. It should be understood that the scope of protection of the present application is not limited to this. Any technician familiar with this technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in this application, and these modifications or replacements should be included in the scope of protection of this application.

Claims

1. A payment method, applied to a user terminal, comprising: Obtaining a transaction code provided by a transaction code management platform, wherein the transaction code carries a card replacement mark; Sending a first request to the transaction code management platform, the first request carrying the transaction code, the first request being used to request payment of the order through the transaction code and a first payment account; Upon receiving a first instruction sent by the transaction code management platform, replacing the first payment account with a second payment account based on the card replacement mark, wherein the first instruction is used to indicate that the payment order of the first payment account has failed and the first payment account is replaced; A second request is sent to the transaction code management platform, where the second request is used to request payment of the order using the transaction code and a second payment account.

2. The method according to claim 1, wherein: The transaction code is a payment code; The step of obtaining the transaction code provided by the transaction code management platform includes: Upon receiving the payment input from the user, sending a payment code generation request to the transaction code management platform, wherein the payment code generation request is used to request the transaction code management platform to generate the payment code; Receive the payment code sent by the transaction code management platform.

3. The method according to 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 includes order information, and the order information is determined by the merchant end; Receiving a user's confirmation input of the order verification information; The sending a first request to the transaction code management platform includes: In response to the confirmation input, a first request is sent to the transaction code management platform.

4. The method according to claim 1, wherein: The transaction code is the payment code of the merchant end; The step of obtaining the transaction code provided by the transaction code management platform includes: When receiving the user's scan code input, the payment code is extracted from the image captured by the camera.

5. The method according to claim 4, wherein: Before sending the first request to the transaction code management platform, the method further includes: Identify the payment code and display the order information corresponding to the payment code; The sending a first request to the transaction code management platform includes: When receiving the user's confirmation input for the order information, a first request is sent to the transaction code management platform.

6. The method according to claim 1, wherein: The step of replacing the first payment account with a second payment account based on the card replacement mark includes: Based on the card replacement mark, display at least one payment account; receiving a user's selection input of the at least one payment account; In response to the selection input, the first payment account is replaced with a second payment account corresponding to the selection input.

7. A payment method, applied to a transaction code management platform, comprising: Upon receiving the first request sent by the user terminal, sending a first payment request to the resource transfer management platform, wherein the first request carries a transaction code, the transaction code carries a card replacement mark, the first payment request carries a first payment account of the user terminal and an order corresponding to the transaction code, and the first payment request is used to request the resource transfer management platform to process payment for the order based on the first payment account; In the case of receiving a transaction failure result sent by the resource transfer management platform, sending a first instruction to the user terminal, wherein the first instruction is used to indicate that the payment order of the first payment account has failed and to change the first payment account; Upon receiving the second request sent by the user terminal, a second payment request is sent to the resource transfer management platform, wherein the second payment request carries a second payment account, and the second payment request is used to request the resource transfer management platform to process payment for the order based on the second payment account.

8. The method according to 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: receiving a payment code generation request sent by the user terminal, wherein the payment code generation request is used to request the transaction code management platform to generate the payment code; Generate 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; The payment code is sent to the user terminal.

9. The method according to 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: When order information sent by the merchant end is received, order verification information is sent to the user end, and the order verification information includes the order information.

10. The method according to claim 7, wherein: 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; The step of sending a second payment request to the resource transfer management platform upon receiving the second request sent by the user terminal comprises: Matching a first resource transfer platform corresponding to the first payment account with a 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, a second payment request is sent to the second resource transfer management platform.

11. A payment method, applied to a user terminal, comprising: When receiving the first input from the user, displaying a payment code, the payment code carries a card replacement mark, and the payment code is provided by the transaction code management platform; Sending a first request to the transaction code management platform, the first request carrying the transaction code, the first request being used to request payment of the order through the transaction code and a first payment account; upon receiving a first instruction sent by the transaction code management platform, displaying the payment code and at least one payment account based on the card replacement mark, wherein the first instruction is used to indicate that the payment order of the first payment account has failed and the first payment account needs to be replaced; Upon receiving a second input of the at least one payment account by the user, a second request is sent to the transaction code management platform, wherein the second request is used to request payment of the order through the transaction code and the second payment account, and the second payment account corresponds to the second input.

12. A payment method, applied to a user terminal, comprising: Obtaining a transaction code provided by a transaction code management platform, wherein the transaction code carries a card replacement mark; Send a third payment request to the resource transaction management platform, the third payment request carrying the a transaction code, an order corresponding to the transaction code, and a first payment account of the user terminal, wherein 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; Upon receiving a transaction failure result sent by the resource transaction management platform, replacing the first payment account with a second payment account based on the card change mark; A fourth payment request is sent to the resource transaction management platform, wherein 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.

13. A payment device, applied to a user terminal, comprising: An acquisition module, used to acquire a transaction code provided by a transaction code management platform, wherein the transaction code carries a card replacement mark; a sending module, configured to send a first request to the transaction code management platform, wherein the first request carries the transaction code, and the first request is used to request payment of the order through the transaction code and a first payment account; a replacement module, configured to replace the first payment account with a second payment account based on the card replacement mark when receiving a first instruction sent by the transaction code management platform, wherein the first instruction is used to indicate that the payment order of the first payment account fails and the first payment account is replaced; The sending module is further used to send a second request to the transaction code management platform, where the second request is used to request payment of the order through the transaction code and the second payment account.

14. A payment device, applied to a transaction code management platform, comprising: a sending module, configured to send a first payment request to the resource transfer management platform upon receiving a first request sent by the user terminal, wherein the first request carries a transaction code, the transaction code carries a card replacement mark, the first payment request carries a first payment account of the user terminal 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 used to, upon receiving a transaction failure result sent by the resource transfer management platform, send a first instruction to the user terminal, wherein the first instruction is used to indicate that the payment order of the first payment account has failed and to change the first payment account; The sending module is also used to send a second payment request to the resource transfer management platform upon receiving a second request sent by the user terminal, wherein the second payment request carries a second payment account, and the second payment request is used to request the resource transfer management platform to process payment for the order based on the second payment account.

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

16. A storage medium having computer program instructions stored thereon, wherein the computer program instructions, when executed by a processor, implement the payment method according to any one of claims 1 to 6, the payment method according to any one of claims 7 to 10, the payment method according to claim 11, or the payment method according to claim 12.

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