Cross-Border Payment Method and Apparatus, and Device

An electronic device, comprising:

• a processor;
• and
• a memory, configured to store an executable instruction of the processor, wherein the processor is configured to execute the instruction so as to implement following actions:
• receiving a payment operation request, wherein the payment operation request is configured to request to pay for a domestic transaction order by using a digital wallet created on a client;
• in response to detecting an indication operation of a user, acquiring card information of a target overseas bank card that is about to recharge the digital wallet, wherein the indication operation is configured to instruct to use an overseas bank card to recharge the digital wallet and to use the digital wallet to pay for the domestic transaction order;
• sending a payment request to a first bank server of a target operator system of the digital wallet, so as to request to exchange a currency in the target overseas bank card into a digital currency to recharge the digital wallet;
• using a balance in the digital wallet to pay for the domestic transaction order;
• and
• receiving payment result information sent by the first bank server, wherein the payment result information is configured to indicate that the digital wallet has been recharged by using the target overseas bank card and that the domestic transaction order has been paid by using the digital wallet.

A computer-readable storage medium, storing a computer execution instruction, wherein when the computer execution instruction is executed by a processor of an electronic device, the electronic device is caused to execute following actions:

• receiving a payment operation request, wherein the payment operation request is configured to request to pay for a domestic transaction order by using a digital wallet created on a client;
• in response to detecting an indication operation of a user, acquiring card information of a target overseas bank card that is about to recharge the digital wallet, wherein the indication operation is configured to instruct to use an overseas bank card to recharge the digital wallet and to use the digital wallet to pay for the domestic transaction order;
• sending a payment request to a first bank server of a target operator system of the digital wallet, so as to request to exchange a currency in the target overseas bank card into a digital currency to recharge the digital wallet;
• using a balance in the digital wallet to pay for the domestic transaction order;
• and
• receiving payment result information sent by the first bank server, wherein the payment result information is configured to indicate that the digital wallet has been recharged by using the target overseas bank card and that the domestic transaction order has been paid by using the digital wallet.