VIRTUAL MONEY BALANCE BYPASS INQUIRY METHOD, SYSTEM AND COMPUTER-READABLE STORAGE MEDIUM

摘要

Provided is a virtual money balance bypass inquiry method, comprising: receiving a purchase demand submitted by a client side, the purchase demand containing the sum to be paid; receiving a balance inquiry request asynchronously transmitted by the client side, the balance inquiry request carrying the sum to be paid; inquiring the balance in a user account according to the balance inquiry request, and obtaining a result token by comparing the balance in the user account with the sum to be paid; asynchronously returning the result token to the client side. Also provided are a virtual money balance bypass inquiry system and computer-readable storage medium. The present invention inquires the balance via a bypass, moves the user account balance inquiry to a commodity selection stage prior to payment confirmation, thus improving system payment success rate for a transaction, and further improving transaction payment performance due to the utilization of asynchronous balance inquiry.