An online payment method, performed by a terminal device, comprising: generating (101, 3032) a first binding request, wherein the first binding request comprises first user information, an application identifier, and a terminal device identifier; sending (102, 3033) the first binding request to a payment proxy server, to enable the payment proxy server to generate an associated identifier according to the first binding request, wherein the associated identifier is associated with the first user information, the application identifier, and the terminal device identifier; receiving the associated identifier sent by the payment proxy server; generating(104, 3037) a second binding request according to the associated identifier, wherein the second binding request comprises second user information and the associated identifier, and the second user information and the first user information are used for forming complete user information; characterized by sending(105, 3038) the second binding request to the payment proxy server, to enable the payment proxy server to acquire the first user information, the application identifier, and the terminal device identifier according to the first binding request, to acquire the second user information according to the second binding request, then to acquire the complete user information according to the first user information and the second user information, and to establish a payment binding relationship according to the complete user information, the application identifier, and the terminal device identifier, wherein the payment binding relationship is used for indicating a binding relationship among the complete user information, the application identifier, and the terminal device identifier; receiving card binding information sent by the payment proxy server, wherein the card binding information is generated according to the payment binding relationship; wherein the card binding information comprises the terminal device identifier, the application identifier, and third user information, the third user information is incomplete user information; the terminal device prompts, according to the third user information, a user to input payment verification information when performing online payment, and the third user information and the payment verification information can form the complete user information; and saving the card binding information. generating (101, 3032) a first binding request, wherein the first binding request comprises first user information, an application identifier, and a terminal device identifier; sending (102, 3033) the first binding request to a payment proxy server, to enable the payment proxy server to generate an associated identifier according to the first binding request, wherein the associated identifier is associated with the first user information, the application identifier, and the terminal device identifier; receiving the associated identifier sent by the payment proxy server; generating(104, 3037) a second binding request according to the associated identifier, wherein the second binding request comprises second user information and the associated identifier, and the second user information and the first user information are used for forming complete user information; characterized by sending(105, 3038) the second binding request to the payment proxy server, to enable the payment proxy server to acquire the first user information, the application identifier, and the terminal device identifier according to the first binding request, to acquire the second user information according to the second binding request, then to acquire the complete user information according to the first user information and the second user information, and to establish a payment binding relationship according to the complete user information, the application identifier, and the terminal device identifier, wherein the payment binding relationship is used for indicating a binding relationship among the complete user information, the application identifier, and the terminal device identifier; receiving card binding information sent by the payment proxy server, wherein the card binding information is generated according to the payment binding relationship; wherein the card binding information comprises the terminal device identifier, the application identifier, and third user information, the third user information is incomplete user information; the terminal device prompts, according to the third user information, a user to input payment verification information when performing online payment, and the third user information and the payment verification information can form the complete user information; and saving the card binding information.