receiving a payment request sent by a merchant software installed on a terminal device through an order receiving system;

digitally signing the payment request, and returning a response result to the merchant software through the order receiving system, wherein the response result includes the routing jump address corresponding to the account software, so that the merchant software jumps to the account software according to the routing jump address, and sends the digitally signed payment request to an account backend system for verification through the account software, and after the verification of digital signature is passed, the account backend system performs payment operation corresponding to the payment request and obtains a payment operation result, wherein the routing jump address is an enhanced routing jump address corresponding to a type of an operating system of terminal device obtained by adding an indicator corresponding to the type of the operating system to the routing jump address, and the enhanced routing jump address has a corresponding relationship with the account software and the type of the operating system; and

receiving the payment operation result sent by the account backend system, and returning the payment operation result to the merchant software through the order receiving system;

wherein before digitally signing the payment request and returning a response result to the merchant software through the order receiving system, the method further comprises:

receiving the routing jump address that is corresponding to the account software and reported by the account backend system;

saving the routing jump address, and establishing a corresponding relationship between the routing jump address and the account software;

wherein after receiving the routing jump address that is corresponding to the account software and reported by the account backend system, the method further comprises:

acquiring a plurality of types of operating system, and indicators corresponding to the types one-to-one; and

adding the indicators to the routing jump address respectively to obtain a plurality of enhanced routing jump addresses corresponding to the types;

correspondingly, saving the routing jump address, and establishing a corresponding relationship between the routing jump address and the account software is specifically:

saving the enhanced routing jump addresses, and establishing a corresponding relationship among the enhanced routing jump addresses, the account software and the types of operating system;

wherein returning a response result to the merchant software through the order receiving system comprises:

acquiring a type of an operating system in a terminal device where the merchant software is installed as a type to be responded;

querying a corresponding relationship of the account software according to the type to be responded, and obtaining the enhanced routing jump address that has a corresponding relationship with the type to be responded and the account software as an enhanced routing jump address to be responded; and

adding the enhanced routing jump address to be responded into the response result and returning it to the merchant software.