Mobile payment account end user certificate generation and conversion method and system and storage medium

The invention relates to the technical field of mobile payment, in particular to a mobile payment account end user certificate generation and conversion method and system and a storage medium. The method comprises: obtaining equipment information of an account B, and carrying out the decentralized operation of the user certificate of the account B; serializing the voucher of the account B after processing by using an appointed operation method between the account A and the account B; encrypting the voucher of the serialized account B through an agreed encryption algorithm; carrying out decentralized processing on the result encrypted by the encryption algorithm through account information of the user; serializing the data after decentralized processing to form a numeric string; and confusing the numeric string and the user credential identifier of the account A to form an account A-based user credential. According to the invention, generation, conversion and interactive use of the uservoucher of the remote pa