Cross-border mobile payment information processing method, device, system and storage medium

Abstract

The invention discloses a cross-border mobile payment information processing method, a device, a system and a storage medium. The method comprises the following steps: acquiring first request information for recharging a target electronic wallet of a user sent by a first server serving as an initiating node, and sending first contract generation request information to a second server serving as arecharging node based on the first request information; determining that a confirmation response generated by the second server is received, and generating and storing first accounting information; obtaining recharging information sent by the second server and used for recharging the target electronic wallet; and updating the first accounting information based on the recharging information. According to the method of the invention, the target electronic wallet corresponding to the entry country of the user can be conveniently and quickly recharged, and the connection between legal currencies in different sovereign regions and a remote mobile payment system is broken through.

Description

technical field [0001] The present invention relates to the field of mobile payment, in particular to an information processing method, device, system and storage medium for cross-border mobile payment. Background technique [0002] With the rapid development of the mobile Internet, mobile payment has gradually been widely used in various countries, especially in the micropayment environment, mobile payment (such as mobile phone scanning payment) has fundamentally changed consumers' payment habits. Since the mobile payment systems among countries are subject to the financial regulatory policies of the countries where they are located, foreign tourists entering the country cannot directly enjoy local mobile payment services, which will greatly affect the convenience of foreign tourists' consumption. [0003] In the past, foreign tourists need to pay by credit card or cash (for example, through the currency exchange provided by the airport, bank, etc.), but there are the follo...

AI Technical Summary

Problems solved by technology

[0004] 1. The convenience is not enough, the exchange points are limited, the number of convertibles is limited, and there are safety hazards in carrying the exchanged banknotes / cash, etc.;

[0005] 2. Fund losses, such as high exchange rate differences and high handling fees;

[0006] 3. The credit card network charges merchants too high and cannot be lowered due to historical reasons

[0007] Therefore, with the development of mobile payment, neither the exchange of credit cards nor cash, nor a single encrypted currency system can meet the needs of cross-border consumer payment, especially the needs of immigrants for small and high-frequency payments.

[0008] Therefore, with the development of mobile payment, neither the exchange of credit cards nor cash, nor a single encrypted currency system can meet the needs of cross-border consumer payment, especially the needs of immigrants for small and high-frequency payments.

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