The present disclosure discloses a digital wallet-based transaction method. The method includes acquiring sales information of a target object, acquiring at least one payment solution for the target object, where when there are at least two target objects, the at least one payment solution is obtained after multiple types of valid preference information of the at least two target objects are crosswise combined, and the valid preference information is preference information that can be used when the target object is paid for using an account in a digital wallet of a user, and displaying the acquired at least one payment solution. According to the present disclosure, a payment solution is generated by crosswise combining multiple types of valid preference information of at least two target objects, thereby obtaining a payment solution that better meets a user demand, which gives full consideration to user benefits and has strong practicability.