Payment method and apparatus, device, and computer-readable storage medium

Abstract

The present application discloses a payment method and apparatus, a device, and a computer-readable storage medium. The method comprises: scanning a machine-readable code used by a merchant to receive resources, wherein the machine-readable code is obtained by encoding resource reception information of the merchant on the basis of a TLV format, the machine-readable code comprises basic fields and an extended field, field data of the basic fields comprises first resource reception information of the merchant and a cross-border network identifier, and field data of the extended field is resource access address information; determining a target field on the basis of a transaction mode of a digital wallet, wherein the target field is any one of the basic fields and the extended field; parsing the machine-readable code on the basis of the TLV format to obtain resource reception information, wherein the resource reception information comprises the field data of the basic fields and the field data of the extended field; and executing a payment operation on the basis of field data of the target field.

Description

Payment methods, devices, equipment and computer-readable storage media

[0001] Cross-references to related applications

[0002] This application claims priority to Chinese Patent Application No. 202510104377.X, filed on January 22, 2025, the entire contents of which are incorporated herein by reference. Technical Field

[0003] This application belongs to the field of payment technology, and in particular relates to a payment method, apparatus, device and computer-readable storage medium. Background Technology

[0004] With the rapid development of payment technology, QR code payment has become a widely used payment method both domestically and internationally.

[0005] Currently, overseas QR codes are typically encoded using the Type-Length-Value (TLV) format. Overseas e-wallets can use TLV-encoded QR codes for payments. Domestic QR codes, on the other hand, are usually generated based on Uniform Resource Locators (URLs). Domestic e-wallets can use QR codes with URLs to complete a range of services, such as QR code payments and ordering food. Because the generation methods for overseas and domestic QR codes differ, people from overseas often cannot use their overseas e-wallets for QR code payments in China.

[0006] Therefore, there is an urgent need for a payment method that is compatible with overseas e-wallets for QR code payments in China, while minimizing the impact on existing QR code payment methods in China. Summary of the Invention

[0007] This application provides a payment method, apparatus, device, computer-readable storage medium, and computer program product that is compatible with overseas e-wallets for QR code payments in China, while minimizing the impact on existing domestic QR code payment methods.

[0008] In a first aspect, embodiments of this application provide a payment method applied to an electronic wallet, the method comprising:

[0009] Scan the graphic code used by the merchant to receive resources. The graphic code is obtained by encoding the merchant's resource receiving information based on the type-length-value TLV format. The graphic code includes basic fields and extended fields. The field data of the basic fields includes the merchant's first resource receiving information and cross-border network identifier. The field data of the extended fields is the resource access address information, which includes the merchant's second resource receiving information.

[0010] Based on the transaction pattern of the e-wallet, determine the target field, which is any one of the basic field and the extended field;

[0011] Based on the TLV format, the graphic code is parsed to obtain the resource reception information, which includes the field data of the basic fields and the field data of the extended fields.

[0012] Execute payment operations based on the field data of the target field.

[0013] In one possible implementation, the e-wallet integrates payment controls, with a target field as the base field. Based on the data in the target field, payment operations are performed, including:

[0014] When the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, the first resource reception information is sent to the overseas cross-border gateway through the back-end system of the e-wallet, so that the first resource reception information is sent to the acquiring system platform through the overseas cross-border gateway, so that the acquiring system platform generates the first order information based on the first resource reception information;

[0015] Receive the first order information returned by the acquiring system platform;

[0016] Invoke the payment control and perform the payment operation based on the first order information.

[0017] In one possible implementation, when the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, the first resource reception information is sent to the overseas cross-border gateway via the e-wallet's backend system, including:

[0018] Send first resource reception information and cross-border network identifier to the back-end system of the e-wallet, so that the back-end system of the e-wallet can determine the cross-border gateway corresponding to the cross-border network identifier, and if the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, send the first resource reception information to the overseas cross-border gateway through the back-end system of the e-wallet.

[0019] In one possible implementation, the first resource receiving information also includes a resource clearing system platform identifier and an acquiring system platform identifier; the resource clearing system platform identifier and the acquiring system platform identifier are used to instruct the overseas cross-border gateway to send the first resource receiving information to the acquiring system platform corresponding to the acquiring system platform identifier via the clearing system corresponding to the clearing system platform identifier.

[0020] In one possible implementation, the e-wallet integrates payment controls, with a target field as the base field. Based on the data in the target field, payment operations are performed, including:

[0021] When the cross-border gateway corresponding to the cross-border network identifier is a domestic cross-border gateway, the first resource receiving information is sent to the acquiring system platform through the back-end system and resource clearing system platform of the e-wallet, so that the acquiring system platform can generate the second order information based on the first resource receiving information;

[0022] Receive the second order information returned by the acquiring system platform;

[0023] Invoke the payment control and perform the payment operation based on the second order information.

[0024] In one possible implementation, the e-wallet integrates a payment control, where the target field is an extended field. Based on the data in the target field, a payment operation is performed, including:

[0025] Generate an order generation request based on resource access address information;

[0026] Send an order generation request to the acquiring system platform;

[0027] Receive third-party order information returned by the acquiring system platform in response to the order generation request;

[0028] Invoke the payment control and perform the payment operation based on the third-party order information.

[0029] In one possible implementation, the resource access address information also includes the merchant's business information. Before generating an order generation request based on the resource access address information, the method further includes:

[0030] Generate a page request based on the business information in the resource access address information;

[0031] Send a page generation request to the acquiring system platform so that the acquiring system platform responds to the page generation request and generates the target page corresponding to the business information;

[0032] Receive page data corresponding to the target page returned by the acquiring system;

[0033] Display the target page based on the page data;

[0034] In response to the user's first input on the target page, determine the target business data;

[0035] An order generation request is generated based on resource access address information, including:

[0036] An order generation request is generated based on the second resource receiving information in the target business data and resource access address information.

[0037] In one possible implementation, the business information includes promotional information, the payment control is invoked, and based on third-party order information, a payment operation is performed, including:

[0038] Invoke the payment control and execute the payment operation based on the third-party order information and discount information.

[0039] In one possible implementation, the second resource receiving information includes fourth order information and resource transfer value. Based on the field data of the target field, a payment operation is performed, including:

[0040] Invoke the payment control, receive information based on the second resource, and execute the payment operation.

[0041] Secondly, embodiments of this application provide a payment device for use in an electronic wallet, the device comprising:

[0042] The scanning module is used to scan the graphic code used by merchants to receive resources. The graphic code is obtained by encoding the merchant's resource receiving information based on the type-length-value TLV format. The graphic code includes basic fields and extended fields. The field data of the basic fields includes the merchant's first resource receiving information and cross-border network identifier. The field data of the extended fields is the resource access address information, which includes the merchant's second resource receiving information.

[0043] The determination module is used to determine the target field based on the transaction pattern of the e-wallet. The target field is any one of the basic field and the extended field.

[0044] The parsing module is used to parse the graphic code based on the TLV format to obtain the resource reception information, which includes the field data of the basic fields and the field data of the extended fields.

[0045] The payment module is used to perform payment operations based on the field data of the target field.

[0046] Thirdly, embodiments of this application provide an electronic device, which includes: a processor and a memory storing computer program instructions;

[0047] When the processor executes computer program instructions, it implements any of the possible implementations of the first aspect described above.

[0048] Fourthly, embodiments of this application provide a computer-readable storage medium storing computer program instructions, which, when executed by a processor, implement the method in any of the possible implementations of the first aspect described above.

[0049] Fifthly, embodiments of this application provide a computer program product in which instructions, when executed by a processor of an electronic device, cause the electronic device to perform a method as described in any of the possible implementations of the first aspect above.

[0050] In this embodiment, the graphic code is obtained by encoding the merchant's resource reception information based on the TLV format, and the graphic code includes basic fields and extended fields. The basic fields include the merchant's first resource reception information and cross-border network identifier, while the extended fields contain resource access address information, which includes the merchant's second resource reception information. Therefore, by parsing the graphic code based on the TLV format, the field data of the basic fields and extended fields can be identified to obtain the first resource reception information, the cross-border network identifier, and the resource access address information including the second resource reception information. Based on this, by determining the target field according to the e-wallet's transaction mode, and executing the payment operation based on the target field's field data, on the one hand, when the e-wallet is an overseas e-wallet, payment can be made based on the overseas cross-border gateway corresponding to the cross-border network identifier and the first resource reception information, realizing QR code payment for overseas e-wallets in China; on the other hand, when the e-wallet is a domestic e-wallet, payment can be made based on the resource access address information including the second resource reception information, similar to existing domestic QR code payment methods. Therefore, through the embodiments of this application, it is possible to be compatible with QR code payments using overseas e-wallets in China, while minimizing the impact on existing QR code payment methods in China. Attached Figure Description

[0051] To more clearly illustrate the technical solutions of the embodiments of this application, the accompanying drawings used in the embodiments of this application will be briefly introduced below. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0052] Figure 1 is a flowchart illustrating a payment method provided in one embodiment of this application;

[0053] Figure 2 is a schematic diagram of the process of an overseas e-wallet performing payment operations based on the field data of basic fields according to an embodiment of this application;

[0054] Figure 3 is a schematic diagram of the process of a domestic e-wallet performing payment operations based on field data of basic fields according to an embodiment of this application;

[0055] Figure 4 is a schematic diagram of the process of a domestic e-wallet performing payment operations based on field data of extended fields provided in the first embodiment of this application;

[0056] Figure 5 is a flowchart illustrating the process of a domestic e-wallet performing payment operations based on field data of extended fields, provided in the second embodiment of this application.

[0057] Figure 6 is a schematic diagram of the structure of a payment device provided in an embodiment of this application;

[0058] Figure 7 is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Detailed Implementation

[0059] The features and exemplary embodiments of various aspects of this application will be described in detail below. To make the objectives, technical solutions, and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain this application and not to limit it. For those skilled in the art, this application can be implemented without some of these specific details. The following description of the embodiments is merely to provide a better understanding of this application by illustrating examples.

[0060] It should be noted that, in this document, relational terms such as "first" and "second" are used merely to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising..." does not exclude the presence of additional identical elements in the process, method, article, or apparatus that includes said element.

[0061] Furthermore, the acquisition, storage, use, and processing of data in this application's technical solution all comply with relevant national laws and regulations.

[0062] As described in the background section, domestic e-wallets can complete a range of services based on QR codes with URLs, such as QR code payments and QR code ordering. Therefore, there is an urgent need for a payment method that is compatible with QR code payments from overseas e-wallets in China, while minimizing the impact on existing domestic QR code payment methods, and also compatible with existing industry QR code services such as QR code ordering for food.

[0063] Therefore, in order to solve the relevant technical problems, embodiments of this application provide a payment method, apparatus, device, computer-readable storage medium, and computer program product. The payment method can be applied to both QR code payment and QR code ordering scenarios.

[0064] The payment method provided in the embodiments of this application will be introduced first below.

[0065] Figure 1 shows a schematic flowchart of a payment method provided in one embodiment of this application. This payment method can be executed by an e-wallet. The e-wallet can be a built-in e-wallet of an electronic device or a third-party e-wallet; no limitation is made here. Furthermore, the e-wallet can include any one of domestic e-wallets and overseas e-wallets.

[0066] As shown in Figure 1, the payment method provided in this application embodiment includes the following steps:

[0067] S110. Scan the graphic code used by the merchant to receive resources. The graphic code is obtained by encoding the merchant's resource receiving information based on the type-length-value TLV format. The graphic code includes basic fields and extended fields. The field data of the basic fields includes the merchant's first resource receiving information and cross-border network identifier. The field data of the extended fields is the resource access address information, which includes the merchant's second resource receiving information.

[0068] S120. Based on the transaction pattern of the e-wallet, determine the target field, which is any one of the basic field and the extended field;

[0069] S130. Based on the TLV format, parse the graphic code to obtain resource reception information, which includes the field data of the basic fields and the field data of the extended fields.

[0070] S140. Execute payment operation based on the field data of the target field.

[0071] In this embodiment, the graphic code is obtained by encoding the merchant's resource reception information based on the TLV format, and the graphic code includes basic fields and extended fields. The basic fields include the merchant's first resource reception information and cross-border network identifier, while the extended fields contain resource access address information, which includes the merchant's second resource reception information. Therefore, by parsing the graphic code based on the TLV format, the field data of the basic fields and extended fields can be identified to obtain the first resource reception information, the cross-border network identifier, and the resource access address information including the second resource reception information. Based on this, by determining the target field according to the e-wallet's transaction mode, and executing the payment operation based on the target field's field data, on the one hand, when the e-wallet is an overseas e-wallet, payment can be made based on the overseas cross-border gateway corresponding to the cross-border network identifier and the first resource reception information, realizing QR code payment for overseas e-wallets in China; on the other hand, when the e-wallet is a domestic e-wallet, payment can be made based on the resource access address information including the second resource reception information, similar to existing domestic QR code payment methods. Therefore, through the embodiments of this application, it is possible to be compatible with QR code payments using overseas e-wallets in China, while minimizing the impact on existing QR code payment methods in China.

[0072] The specific implementation methods for each of the above steps are described below.

[0073] In some embodiments, in S110, the graphic code may include a barcode or a QR code, and the graphic code can be used to receive resources. The resources in this embodiment may be currency, digital currency, points, red envelopes, etc. When the resource is currency or digital currency, the graphic code may specifically be a payment code. Additionally, the graphic code can be obtained by encoding the merchant's resource receiving information based on the TLV format. When the resource is currency or digital currency, the merchant's resource receiving information may specifically be the merchant's payment information. The merchant's resource receiving information may include the merchant name, merchant category, merchant's country code, merchant's city, merchant's translation information, type of received resource, acquiring system platform identifier, resource clearing system platform identifier, merchant number, code type, transaction details, etc. Furthermore, the resource receiving information may or may not include resource transfer value and order information; this is not limited here.

[0074] As an example, by encoding the merchant's resource receiving information based on the Unified Payment Code Standard (CNQR standard) and TLV format, a graphic code for receiving resources can be obtained. This graphic code can include basic fields and extended fields. The basic fields can be used by overseas or domestic e-wallets to perform payment operations. The extended fields can be used by domestic e-wallets to perform payment operations. Specifically, the basic fields can include the merchant's first resource receiving information and a cross-border network identifier. The cross-border network identifier, denoted as RID, can be applied for and assigned by ISO according to the International Organization for Standardization (ISO) 7816-5 standard. Each country or region can have one cross-border gateway, which is bound to a unique cross-border network identifier (RID) for that country or region. The RID identifies the country, region, or specific barcode payment institution through which the transaction is routed. Additionally, the first resource receiving information can include the merchant name, merchant category, merchant country code, merchant city, merchant translation information, type of received resources, acquiring system platform identifier, and resource clearing system platform identifier. In addition, the first resource receiving information may or may not include resource transfer values ​​and order information, and this is not limited here.

[0075] In addition, the extended field data can be resource access address information, which includes the merchant's second resource receiving information. Specifically, the resource access address information can be a URL address. The second resource receiving information may include merchant ID, code type, transaction details, etc. Furthermore, the second resource receiving information may or may not include resource transfer values ​​and order information; this is not limited here.

[0076] As an example, in the case where the resource is currency or digital currency, the encoding information of the graphic code provided in one embodiment of this application can be as shown in Table 1:

[0077] Table 1

[0078] In Table 1, the basic fields can include 00, 01, 17, subfields, 52-64, etc., and the extended field can be the 80 field.

[0079] In some embodiments, in S120, the transaction mode of the e-wallet may include performing a payment operation by identifying resource access address information and performing a payment operation by parsing TLV format encoded information. If the e-wallet's transaction mode is to perform a payment operation by identifying resource access address information, the e-wallet can be a domestic e-wallet, and the target field can be an extended field. If the e-wallet's transaction mode is to perform a payment operation by parsing TLV format encoded information, the e-wallet can be an overseas e-wallet or a domestic e-wallet, and the target field can be a basic field.

[0080] As an example, after scanning a graphic code, an e-wallet can determine the target field based on its own transaction pattern.

[0081] In some embodiments, during S130, both overseas and domestic e-wallets can parse the graphic code based on the TLV format to obtain resource reception information. The resource reception information may include field data of basic fields and field data of extended fields. The specific details of the resource reception information are as described above and will not be elaborated further here.

[0082] As an example, after scanning a barcode, an e-wallet can either determine the target field first and then parse the barcode, or parse the barcode first and then determine the target field; there is no limitation on this. If the e-wallet determines the target field first after scanning the barcode, it can parse only the target field in the barcode, thereby improving the speed of determining the field data of the target field.

[0083] In some embodiments, in S140, after the electronic wallet determines the target field and parses the field data of the target field, a payment operation can be performed based on the field data of the target field.

[0084] As an example, an e-wallet can integrate a payment control. Specifically, the e-wallet can execute a payment operation based on the field data of the target field by calling the payment control.

[0085] When the target field is the base field, in order to enable QR code payment from overseas e-wallets in China, in some embodiments, the above-mentioned S140 may specifically include:

[0086] When the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, the first resource reception information is sent to the overseas cross-border gateway through the back-end system of the e-wallet, so that the first resource reception information is sent to the acquiring system platform through the overseas cross-border gateway, so that the acquiring system platform generates the first order information based on the first resource reception information;

[0087] Receive the first order information returned by the acquiring system platform;

[0088] Invoke the payment control and perform the payment operation based on the first order information.

[0089] Here, if the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, the e-wallet can first send the first resource reception information to its backend system. The e-wallet's backend system then sends the first resource reception information to the overseas cross-border gateway, which in turn sends it to the resource clearing system platform. The resource clearing system platform then sends the first resource reception information to the acquiring system platform. Upon receiving the first resource reception information, the acquiring system platform generates the first order information based on it and returns this information to the e-wallet through the resource clearing system platform, the overseas cross-border gateway, and the e-wallet's backend system. After receiving the first order information, the e-wallet can invoke the payment controls to execute the payment operation based on the first order information.

[0090] As an example, as described above, the first resource reception information may also include a resource clearing system platform identifier and an acquiring system platform identifier. The resource clearing system platform identifier and the acquiring system platform identifier can be used to instruct the overseas cross-border gateway to send the first resource reception information to the acquiring system platform corresponding to the acquiring system platform identifier via the clearing system corresponding to the clearing system platform identifier.

[0091] In this way, when the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, the payment operation can be performed by sending the first resource reception information to the overseas cross-border gateway through the back-end system of the e-wallet and executing the payment operation based on the first order information returned by the acquiring system platform, thus enabling overseas e-wallets to make QR code payments in China.

[0092] In addition, in this embodiment of the application, if the first resource receiving information includes the first order information, the acquiring system platform can record the first order information and return a notification message to the e-wallet that the first order information has been recorded, so as to ensure the success of subsequent payments.

[0093] In addition, in this embodiment of the application, the cross-border gateway corresponding to the cross-border network identifier can be determined by the e-wallet or by the back-end system of the e-wallet; no limitation is made here.

[0094] Based on this, in order to improve the payment efficiency of e-wallets, in some embodiments, when the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, sending the first resource reception information to the overseas cross-border gateway via the e-wallet's backend system may specifically include:

[0095] Send first resource reception information and cross-border network identifier to the back-end system of the e-wallet, so that the back-end system of the e-wallet can determine the cross-border gateway corresponding to the cross-border network identifier, and if the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, send the first resource reception information to the overseas cross-border gateway through the back-end system of the e-wallet.

[0096] Here, the e-wallet's backend system can identify the cross-border routing information corresponding to the cross-border network identifier and determine the specific cross-border gateway. This cross-border gateway can be either an overseas or domestic gateway. If the cross-border gateway is overseas, the e-wallet's backend system can send first resource reception information to it.

[0097] This application embodiment identifies cross-border network identifiers and determines cross-border gateways by using an e-wallet-based backend system instead of the e-wallet itself, which can improve the payment efficiency of e-wallets.

[0098] Based on the above embodiments, a flowchart illustrating the process of an overseas e-wallet performing payment operations based on field data of basic fields, as provided in one embodiment of this application, can be shown in Figure 2.

[0099] As shown in Figure 2, the process of an overseas e-wallet performing a payment operation based on the field data of the basic fields may include the following steps:

[0100] S21. The e-wallet scans the graphic code displayed on the merchant terminal;

[0101] S22. The electronic wallet parses the graphic code to obtain resource receiving information;

[0102] S23. Based on the transaction model, the e-wallet determines the first resource receiving information and the cross-border network identifier in the resource receiving information.

[0103] S24. The e-wallet sends the first resource reception information and cross-border network identifier to the e-wallet's backend system;

[0104] S25. The back-end system of the e-wallet determines the cross-border gateway corresponding to the cross-border network identifier;

[0105] S26. When the cross-border gateway is an overseas cross-border gateway, the back-end system of the e-wallet sends the first resource reception information to the overseas cross-border gateway.

[0106] S27. Overseas cross-border gateways identify acquiring route information;

[0107] S28. The overseas cross-border gateway sends the first resource receipt information to the resource clearing system platform;

[0108] S29. The resource clearing system platform sends the first resource receipt information to the acquiring system platform;

[0109] S210, The acquiring system platform generates first order information based on the first resource receiving information;

[0110] S211. The acquiring system platform sends the first order information to the resource clearing system platform;

[0111] S212, The resource clearing system platform sends the first order information to the overseas cross-border gateway;

[0112] S213. The overseas cross-border gateway sends the first order information to the e-wallet's backend system;

[0113] S214. The e-wallet's backend system sends the first order information to the e-wallet;

[0114] S215. The e-wallet calls the payment control and performs a payment operation based on the first order information.

[0115] In step S27, identifying the acquiring routing information includes: determining the resource clearing system platform corresponding to the resource clearing system platform identifier and the acquiring system platform corresponding to the acquiring system platform identifier in the first resource receiving information.

[0116] Furthermore, when the target field is the basic field, in order to enable QR code payment using domestic e-wallets, in some embodiments, the above-mentioned S140 may specifically include:

[0117] When the cross-border gateway corresponding to the cross-border network identifier is a domestic cross-border gateway, the first resource receiving information is sent to the acquiring system platform through the back-end system and resource clearing system platform of the e-wallet, so that the acquiring system platform can generate the second order information based on the first resource receiving information;

[0118] Receive the second order information returned by the acquiring system platform;

[0119] Invoke the payment control and perform the payment operation based on the second order information.

[0120] If the cross-border gateway corresponding to the cross-border network identifier is a domestic cross-border gateway, then the first resource receiving information does not need to be sent to the domestic cross-border gateway. Instead, it can be sent directly to the domestic resource clearing system platform based on the resource clearing system platform identifier.

[0121] As an example, if the cross-border gateway corresponding to the cross-border network identifier is a domestic cross-border gateway, the e-wallet can first send the first resource reception information to its backend system. The backend system then sends this information to the resource clearing system platform, which in turn sends it to the acquiring system platform. Upon receiving the first resource reception information, the acquiring system platform generates second order information and returns it to the e-wallet via the clearing system platform and the e-wallet's backend system. After receiving the second order information, the e-wallet can invoke the payment controls to execute the payment operation based on this information.

[0122] Figure 3 illustrates a flowchart of a domestic e-wallet performing payment operations based on field data of basic fields, as provided in one embodiment of this application.

[0123] As shown in Figure 3, the process of a domestic e-wallet performing payment operations based on basic field data can include the following steps:

[0124] S31. The e-wallet scans the graphic code displayed on the merchant terminal;

[0125] S32. The electronic wallet parses the graphic code to obtain resource receiving information;

[0126] S33. Based on the transaction model, the e-wallet determines the first resource receiving information and the cross-border network identifier in the resource receiving information.

[0127] S34. The e-wallet sends the first resource receiving information and cross-border network identifier to the e-wallet's backend system;

[0128] S35. The back-end system of the e-wallet determines the cross-border gateway corresponding to the cross-border network identifier;

[0129] S36. When the cross-border gateway is an overseas cross-border gateway, the e-wallet's back-end system identifies the acquiring route information;

[0130] S37. The back-end system of the e-wallet sends the first resource receipt information to the resource clearing system platform;

[0131] S38. The resource clearing system platform sends the first resource receipt information to the acquiring system platform.

[0132] S39. The acquiring system platform generates second order information based on the first resource receiving information;

[0133] S310, The acquiring system platform sends the second order information to the resource clearing system platform;

[0134] S311, The resource clearing system platform sends the second order information to the back-end system of the e-wallet;

[0135] S312, The back-end system of the e-wallet sends the second order information to the e-wallet;

[0136] S313. The e-wallet calls the payment control and performs a payment operation based on the second order information.

[0137] In step S36, identifying the acquiring routing information includes: determining the resource clearing system platform corresponding to the resource clearing system platform identifier and the acquiring system platform corresponding to the acquiring system platform identifier in the first resource receiving information.

[0138] In this way, when the cross-border gateway corresponding to the cross-border network identifier is a domestic cross-border gateway, the first resource receiving information is sent to the acquiring system platform through the back-end system and resource clearing system platform of the e-wallet, and the payment operation is executed based on the second order information returned by the acquiring system platform. This enables domestic e-wallet to make QR code payments based on the field data of the basic fields.

[0139] Furthermore, when the target field is an extended field, the graphic code corresponding to the resource access address information can be a payment code. Based on this, to enable QR code payment via domestic e-wallets, in some embodiments, the above-mentioned S140 may specifically include:

[0140] Generate an order generation request based on resource access address information;

[0141] Send an order generation request to the acquiring system platform;

[0142] Receive third-party order information returned by the acquiring system platform in response to the order generation request;

[0143] Invoke the payment control and perform the payment operation based on the third-party order information.

[0144] Here, as mentioned above, the resource access address information may include second resource receiving information.

[0145] As an example, an e-wallet can generate an order generation request based on the second resource receiving information in the resource access address information and send the order generation request to the acquiring system platform. Upon receiving the order generation request, the acquiring system platform can respond by generating third order information based on the second resource receiving information, such as the merchant number, code type, and other transaction details included in the request, and then return the third order information to the e-wallet. After receiving the third order information, the e-wallet can then execute the payment operation based on it.

[0146] The flowchart of the domestic e-wallet performing payment operations based on field data of extended fields provided in the first embodiment of this application can be shown in Figure 4.

[0147] As shown in Figure 4, the process of a domestic e-wallet performing a payment operation based on the field data of the extended field can include the following steps:

[0148] S41. The e-wallet scans the graphic code displayed on the merchant terminal;

[0149] S42. The e-wallet parses the graphic code to obtain resource receiving information;

[0150] S43. Based on the transaction model, the e-wallet determines the resource access address information that includes the second resource reception information in the resource reception information;

[0151] S44. The e-wallet generates an order generation request based on the resource access address information;

[0152] S45. The e-wallet sends an order generation request to the acquiring system platform;

[0153] S46. The acquiring system platform responds to the order generation request and generates third order information based on the second resource receiving information;

[0154] S47. The acquiring system platform sends third-party order information to the e-wallet;

[0155] S48. The e-wallet calls the payment control and performs a payment operation based on the third-party order information.

[0156] Thus, in this embodiment of the application, when the target field is an extended field, payment can be made based on resource access address information including second resource receiving information, enabling domestic e-wallets to make QR code payments based on field data of extended fields.

[0157] Additionally, as mentioned above, the second resource receiving information may include order information and resource receiving value. If the second resource receiving information includes fourth order information, then in order to improve payment efficiency, in some embodiments, the above-mentioned S140 may specifically include:

[0158] Invoke the payment control, receive information based on the second resource, and execute the payment operation.

[0159] In this embodiment, if the second resource receiving information includes order information and resource receiving value, the payment code corresponding to the resource access address information can be a dynamic code. Since the order has already been generated, the e-wallet does not need to send the second resource receiving information to the acquiring system platform to generate the order; it can directly call the payment control and execute the payment operation based on the second resource receiving information, thus improving payment efficiency.

[0160] In addition, the resource access address information may also include the merchant's business information. This business information may be related to activities such as QR code ordering, QR code registration, and QR code red envelope redemption. In this case, the graphic code corresponding to the resource access address information may be an industry code. Therefore, to improve the user's QR code payment experience, in some embodiments, before generating the order generation request based on the resource access address information, the method may further include:

[0161] Generate a page request based on the business information in the resource access address information;

[0162] Send a page generation request to the acquiring system platform so that the acquiring system platform responds to the page generation request and generates the target page corresponding to the business information;

[0163] Receive page data corresponding to the target page returned by the acquiring system;

[0164] Display the target page based on the page data;

[0165] In response to the user's first input on the target page, determine the target business data;

[0166] An order generation request is generated based on resource access address information, including:

[0167] An order generation request is generated based on the second resource receiving information in the target business data and resource access address information.

[0168] Here, if the business information is related to QR code ordering, the page generation request can be used to generate the ordering page. The target page can be the ordering page, the page data can be the page data corresponding to the ordering page, the first input can be the user's input when selecting food on the ordering page, and the target business data includes the ordering data.

[0169] As an example, if the business information relates to QR code ordering, the e-wallet can first generate a page generation request based on this information, and then send the request to the acquiring system platform. Upon receiving the page generation request, the acquiring system platform can respond by generating an order page and returning the corresponding page data to the e-wallet. The e-wallet can then generate and display the order page based on this data. Users can then order food on the order page and receive their order data. Afterward, the e-wallet can generate an order generation request based on the order data and second resource received information, and send this request to the acquiring system platform.

[0170] The flowchart of the domestic e-wallet performing payment operations based on field data of extended fields provided in the second embodiment of this application can be shown in Figure 5.

[0171] As shown in Figure 5, the resource access address information can also include the merchant's business information. When the business information is related to QR code ordering, the process for a domestic e-wallet to perform a payment operation based on the extended field data can include the following steps:

[0172] S51. The e-wallet scans the graphic code displayed on the merchant terminal;

[0173] S52: The e-wallet parses the graphic code to obtain resource receiving information;

[0174] S53. Based on the transaction model, the e-wallet determines the resource access address information in the resource receiving information, which includes the second resource receiving information and information related to scanning QR codes for ordering food.

[0175] S54, The e-wallet generates a page generation request based on information related to scanning QR codes for ordering food;

[0176] S55, the e-wallet sends a page generation request to the acquiring system platform;

[0177] S56. The payment system platform responds to the page generation request and generates the order page;

[0178] S57. The acquiring system platform sends the page data corresponding to the ordering page to the e-wallet;

[0179] S58, the e-wallet displays the ordering page based on page data;

[0180] S59. The e-wallet responds to the user's first input on the ordering page and confirms the order data;

[0181] S510 and e-wallet generate order generation requests based on order data and second resource receiving information;

[0182] S511, the e-wallet sends an order generation request to the acquiring system platform;

[0183] S512, The acquiring system platform responds to the order generation request and generates third order information based on the second resource receiving information and the order data;

[0184] S513, The acquiring system platform sends third-party order information to the e-wallet;

[0185] S514: The e-wallet calls the payment control and performs a payment operation based on the third-party order information.

[0186] In this way, by including the merchant's business information in the resource access address information, a page generation request is first generated based on the business information and sent to the acquiring system platform. The acquiring system platform then responds to the page generation request, generates the target page corresponding to the business information, and receives the page data corresponding to the target page returned by the acquiring system. Based on the page data, the target page is displayed, allowing users to identify the target business data on the target page, which can improve the user's QR code payment experience.

[0187] Furthermore, the business information may also include promotional information. Therefore, to further improve the user's QR code payment experience, in some embodiments, the aforementioned invocation of the payment control, based on third-party order information, to execute the payment operation, may specifically include:

[0188] Invoke the payment control and execute the payment operation based on the third-party order information and discount information.

[0189] As an example, if the payment amount corresponding to the third order information is A yuan, and the discount information is a coupon worth B yuan, then when the payment operation is performed, the B yuan coupon can be automatically deducted, and the user only needs to pay AB yuan.

[0190] As another example, when an e-wallet invokes a payment control, a offers page can be displayed, which may include offer information. If the user selects an offer on the offers page, a payment operation can be performed based on the third-party order information and the offer information.

[0191] This application embodiment can further improve the user's QR code payment experience by performing payment operations based on third-party order information and discount information.

[0192] In addition to promotional information, merchants and payment system platforms can also add other custom data to the extended fields to meet specific needs.

[0193] In summary, the embodiments of this application, by adopting the TLV standard for unified payment barcode encoding and by extending the field to carry the URL to be compatible with existing domestic barcode standards, can reduce the transformation costs of domestic barcode issuing institutions and acquiring institutions, and achieve compatibility of domestic payment codes with domestic and foreign mobile wallets.

[0194] Based on the payment method provided in the above embodiments, this application also provides specific implementations of a payment device applied to an electronic wallet. Please refer to the following embodiments.

[0195] As shown in Figure 6, a payment device 600 provided in one embodiment of this application includes the following modules:

[0196] The scanning module 610 is used to scan the graphic code used by the merchant to receive resources. The graphic code is obtained by encoding the merchant's resource receiving information based on the type-length-value TLV format. The graphic code includes basic fields and extended fields. The field data of the basic fields includes the merchant's first resource receiving information and cross-border network identifier. The field data of the extended fields is the resource access address information, which includes the merchant's second resource receiving information.

[0197] The determination module 620 is used to determine the target field based on the transaction pattern of the e-wallet. The target field is any one of the basic field and the extended field.

[0198] The parsing module 630 is used to parse the graphic code based on the TLV format to obtain resource reception information, which includes the field data of the basic fields and the field data of the extended fields.

[0199] Payment module 640 is used to perform payment operations based on field data of the target field.

[0200] The payment device 600 described above is explained in detail below:

[0201] In some embodiments, the e-wallet integrates payment controls, with the target field being the base field. Based on this, the payment module 640 may specifically include:

[0202] The first sending submodule is used to send the first resource receiving information to the overseas cross-border gateway via the back-end system of the e-wallet when the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, so that the overseas cross-border gateway can send the first resource receiving information to the acquiring system platform, so that the acquiring system platform can generate the first order information based on the first resource receiving information.

[0203] The first receiving submodule is used to receive the first order information returned by the acquiring system platform;

[0204] The first payment submodule is used to call the payment control and perform payment operations based on the first order information.

[0205] In some embodiments, the first transmitting submodule may specifically include:

[0206] The sending unit is used to send first resource reception information and cross-border network identifier to the back-end system of the e-wallet, so that the back-end system of the e-wallet can determine the cross-border gateway corresponding to the cross-border network identifier, and if the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, the back-end system of the e-wallet sends the first resource reception information to the overseas cross-border gateway.

[0207] In some embodiments, the first resource receiving information further includes a resource clearing system platform identifier and an acquiring system platform identifier; the resource clearing system platform identifier and the acquiring system platform identifier are used to instruct the overseas cross-border gateway to send the first resource receiving information to the acquiring system platform corresponding to the acquiring system platform identifier via the clearing system corresponding to the clearing system platform identifier.

[0208] In some embodiments, the e-wallet integrates payment controls, with the target field being the base field. Based on this, the payment module 640 may specifically include:

[0209] The second sending submodule is used to send the first resource receiving information to the acquiring system platform via the back-end system and resource clearing system platform of the e-wallet when the cross-border gateway corresponding to the cross-border network identifier is a domestic cross-border gateway, so that the acquiring system platform can generate the second order information based on the first resource receiving information.

[0210] The second receiving submodule is used to receive the second order information returned by the acquiring system platform;

[0211] The second payment submodule is used to call the payment control and perform payment operations based on the second order information.

[0212] In some embodiments, the e-wallet integrates payment controls, with the target field being an extended field. Based on this, the payment module 640 may specifically include:

[0213] The first generation submodule is used to generate an order generation request based on resource access address information;

[0214] The third sending submodule is used to send order generation requests to the acquiring system platform;

[0215] The third receiving submodule is used to receive the third order information returned by the acquiring system platform in response to the order generation request;

[0216] The third payment submodule is used to call the payment control and perform payment operations based on the third order information.

[0217] In some embodiments, the resource access address information also includes the merchant's business information. Based on this, the payment module 640 may specifically include:

[0218] The second generation submodule is used to generate a page generation request based on the business information in the resource access address information before generating an order generation request based on the resource access address information.

[0219] The fourth sending submodule is used to send a page generation request to the acquiring system platform, so that the acquiring system platform responds to the page generation request and generates the target page corresponding to the business information;

[0220] The fourth receiving submodule is used to receive page data corresponding to the target page returned by the acquiring system;

[0221] The display submodule is used to display the target page based on page data;

[0222] The determination submodule is used to determine the target business data in response to the user's first input on the target page.

[0223] Based on this, the first generation submodule may specifically include:

[0224] The generation unit is used to generate an order generation request based on the second resource receiving information in the target business data and resource access address information.

[0225] In some embodiments, the business information includes discount information. Based on this, the payment module 640 may specifically include:

[0226] The fourth payment submodule is used to call the payment control and perform the payment operation based on the third order information and discount information.

[0227] In some embodiments, the second resource receiving information includes fourth order information; based on this, the payment module 640 may specifically include:

[0228] The fifth payment submodule is used to call the payment control, receive information based on the second resource, and perform payment operations.

[0229] In this embodiment, the graphic code is obtained by encoding the merchant's resource reception information based on the TLV format, and the graphic code includes basic fields and extended fields. The basic fields include the merchant's first resource reception information and cross-border network identifier, while the extended fields contain resource access address information, which includes the merchant's second resource reception information. Therefore, by parsing the graphic code based on the TLV format, the field data of the basic fields and extended fields can be identified to obtain the first resource reception information, the cross-border network identifier, and the resource access address information including the second resource reception information. Based on this, by determining the target field according to the e-wallet's transaction mode, and executing the payment operation based on the target field's field data, on the one hand, when the e-wallet is an overseas e-wallet, payment can be made based on the overseas cross-border gateway corresponding to the cross-border network identifier and the first resource reception information, realizing QR code payment for overseas e-wallets in China; on the other hand, when the e-wallet is a domestic e-wallet, payment can be made based on the resource access address information including the second resource reception information, similar to existing domestic QR code payment methods. Therefore, through the embodiments of this application, it is possible to be compatible with QR code payments using overseas e-wallets in China, while minimizing the impact on existing QR code payment methods in China.

[0230] Based on the payment method provided in the above embodiments, this application also provides specific implementations of an electronic device. Figure 7 shows a schematic diagram of the structure of an electronic device provided in one embodiment of this application.

[0231] As shown in Figure 7, the electronic device 700 may include a processor 710 and a memory 720 storing computer program instructions.

[0232] Specifically, the processor 710 may include a central processing unit (CPU), an application-specific integrated circuit (ASIC), or one or more integrated circuits that can be configured to implement the embodiments of this application.

[0233] Memory 720 may include mass storage for data or instructions. For example, and not limitingly, memory 720 may include a hard disk drive (HDD), floppy disk drive, flash memory, optical disk, magneto-optical disk, magnetic tape, or Universal Serial Bus (USB) drive, or a combination of two or more of these. Where suitable, memory 720 may include removable or non-removable (or fixed) media. Where suitable, memory 720 may be internal or external to electronic device 700. In a particular embodiment, memory 720 is a non-volatile solid-state memory.

[0234] Memory may include read-only memory (ROM), random access memory (RAM), disk storage media devices, optical storage media devices, flash memory devices, and electrical, optical, or other physical / tangible memory storage devices. Therefore, typically, memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to the first aspect of this application.

[0235] The processor 710 implements any of the payment methods described in the above embodiments by reading and executing computer program instructions stored in the memory 720.

[0236] In one example, the electronic device 700 may also include a communication interface 730 and a bus 740. As shown in FIG7, the processor 710, memory 720, and communication interface 730 are connected through the bus 740 and complete communication with each other.

[0237] The communication interface 730 is mainly used to realize communication between various modules, devices, units and / or equipment in the embodiments of this application.

[0238] Bus 740 includes hardware, software, or both, that couples components of an electronic device together. For example, and not limitingly, 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), HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an Infinite Bandwidth Interconnect, a Low Pin Count (LPC) bus, a memory bus, a Microchannel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local (VLB) bus, or other suitable buses, or combinations of two or more of these. Where appropriate, bus 740 may include one or more buses. Although specific buses are described and illustrated in embodiments of this application, this application contemplates any suitable bus or interconnect.

[0239] For example, the electronic device 700 can be a mobile phone, tablet computer, laptop computer, handheld computer, in-vehicle electronic device, ultra-mobile personal computer (UMPC), netbook, or personal digital assistant (PDA), etc.

[0240] The electronic device can execute the payment method in the embodiments of this application, thereby realizing the payment method and apparatus described in conjunction with Figures 1 to 6.

[0241] Furthermore, in conjunction with the payment methods in the above embodiments, this application embodiment can provide a computer-readable storage medium for implementation. This computer-readable storage medium stores computer program instructions; when these computer program instructions are executed by a processor, they implement any of the payment methods in the above embodiments. Examples of such computer-readable storage media include non-transitory computer-readable storage media, such as read-only memory (ROM).

[0242] In conjunction with the payment methods described in the above embodiments, this application can provide a computer program product to implement them. When the instructions in this computer program product are executed by the processor of an electronic device, they implement any of the payment methods described in the above embodiments.

[0243] It should be clarified that this application is not limited to the specific configurations and processes described above and shown in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of this application is not limited to the specific steps described and shown. Those skilled in the art can make various changes, modifications, and additions, or change the order of steps, after understanding the spirit of this application.

[0244] The functional blocks shown in the above-described structural 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 this application are programs or code segments used to perform the required tasks. Programs or code segments can be stored on a machine-readable medium or transmitted over a transmission medium or communication link via data signals carried on a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, etc. Code segments can be downloaded via computer networks such as the Internet, intranets, etc.

[0245] It should also be noted that the exemplary embodiments mentioned in this application describe methods or systems based on a series of steps or apparatus. However, this application is not limited to the order of the above steps; that is, the steps can be performed in the order mentioned in the embodiments, or in a different order, or several steps can be performed simultaneously.

[0246] The aspects of this application have been described above with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It should be understood that each block in the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing apparatus to produce a machine such that these instructions, executable via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions / actions specified in one or more blocks of the flowchart illustrations and / or block diagrams. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It is also understood that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can also be implemented by dedicated hardware performing the specified functions or actions, or can be implemented by a combination of dedicated hardware and computer instructions.

[0247] The above description is merely a specific implementation of this application. Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working processes of the systems, modules, and units described above can be referred to the corresponding processes in the foregoing method embodiments, and will not be repeated here. It should be understood that the protection scope of this application is not limited thereto. Any person skilled in the art can easily conceive of various equivalent modifications or substitutions within the technical scope disclosed in this application, and these modifications or substitutions should all be covered within the protection scope of this application.

Claims

1. A payment method applied to an electronic wallet, the method comprising: The image code used by the merchant to receive resources is scanned. The image code is obtained by encoding the merchant's resource receiving information based on the Type-Length-Value (TLV) format. The image code includes a basic field and an extended field. The data of the basic field includes the merchant's first resource receiving information and a cross-border network identifier. The data of the extended field is the resource access address information, which includes the merchant's second resource receiving information. Based on the transaction pattern of the e-wallet, a target field is determined, wherein the target field is any one of the basic field and the extended field; Based on the TLV format, the graphic code is parsed to obtain the resource receiving information, which includes the field data of the basic field and the field data of the extended field. The payment operation is performed based on the field data of the target field.

2. The method of claim 1, wherein, The e-wallet integrates payment controls, the target field is the base field, and the payment operation based on the field data of the target field includes: When the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, the first resource receiving information is sent to the overseas cross-border gateway through the back-end system of the e-wallet, so that the first resource receiving information is sent to the acquiring system platform through the overseas cross-border gateway, so that the acquiring system platform generates the first order information based on the first resource receiving information. Receive the first order information returned by the acquiring system platform; The payment control is invoked to perform a payment operation based on the first order information.

3. The method of claim 2, wherein, When the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, the first resource reception information is sent to the overseas cross-border gateway via the backend system of the e-wallet, including: The system sends the first resource reception information and the cross-border network identifier to the backend system of the e-wallet, so that the backend system of the e-wallet can determine the cross-border gateway corresponding to the cross-border network identifier, and if the cross-border gateway corresponding to the cross-border network identifier is an overseas cross-border gateway, the system of the e-wallet sends the first resource reception information to the overseas cross-border gateway.

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

5. The method of claim 1, wherein, The e-wallet integrates payment controls, the target field is the base field, and the payment operation based on the field data of the target field includes: When the cross-border gateway corresponding to the cross-border network identifier is a domestic cross-border gateway, the first resource receiving information is sent to the acquiring system platform via the back-end system and resource clearing system platform of the e-wallet, so that the acquiring system platform generates the second order information based on the first resource receiving information; Receive the second order information returned by the acquiring system platform; The payment control is invoked to perform a payment operation based on the second order information.

6. The method of claim 1, wherein, The e-wallet integrates a payment control, the target field is the extended field, and the payment operation based on the field data of the target field includes: An order generation request is generated based on the resource access address information; Send the order generation request to the acquiring system platform; Receive the third order information returned by the acquiring system platform in response to the order generation request; The payment control is invoked to perform a payment operation based on the third order information.

7. The method according to claim 6, wherein the resource access address information further includes the merchant's business information, and before generating an order generation request based on the resource access address information, the method further includes: A page generation request is generated based on the business information in the resource access address information; Send the page generation request to the acquiring system platform so that the acquiring system platform responds to the page generation request and generates a target page corresponding to the business information; Receive page data corresponding to the target page returned by the acquiring system; Based on the page data, the target page is displayed; In response to the user's first input on the target page, the target business data is determined; The step of generating an order generation request based on the resource access address information includes: An order generation request is generated based on the target business data and the second resource receiving information in the resource access address information.

8. The method of claim 7, wherein, The business information includes discount information. The step of invoking the payment control and performing a payment operation based on the third order information includes: The payment control is invoked to perform a payment operation based on the third order information and the discount information.

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

10. A payment device for use in an electronic wallet, the device comprising: The scanning module is used to scan the graphic code used by the merchant to receive resources. The graphic code is obtained by encoding the merchant's resource receiving information based on the Type-Length-Value (TLV) format. The graphic code includes a basic field and an extended field. The field data of the basic field includes the merchant's first resource receiving information and a cross-border network identifier. The field data of the extended field is resource access address information, which includes the merchant's second resource receiving information. The determining module is used to determine a target field based on the transaction pattern of the e-wallet, wherein the target field is any one of the basic field and the extended field; The parsing module is used to parse the graphic code based on the TLV format to obtain the resource receiving information, which includes the field data of the basic field and the field data of the extended field. The payment module is used to perform payment operations based on the field data of the target field.

11. An electronic device, comprising: Processor and memory storing computer program instructions; When the processor executes the computer program instructions, it implements the payment method as described in any one of claims 1-9.

12. A computer-readable storage medium storing computer program instructions that, when executed by a processor, implement the payment method as described in any one of claims 1-9.

13. A computer program product, wherein instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the payment method as described in any one of claims 1-9.

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