CN107392614A

CN107392614A - The implementation method and device of off-line transaction

Info

Publication number: CN107392614A
Application number: CN201710499919.3A
Authority: CN
Inventors: 俞纹雯; 李浩荣; 王曦
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2017-06-23
Filing date: 2017-06-27
Publication date: 2017-11-24
Anticipated expiration: 2037-06-27
Also published as: CN107392614B; HK1247394A1

Abstract

This specification discloses a kind of implementation method and device of off-line transaction.The implementation method of the off-line transaction includes：Receive the user biological feature that merchant transaction management system collects；Judge whether the user account of the biological characteristic binding has opened transaction with credit service, the transaction with credit service is open-minded in the case where the credit information of the user account meets condition；If it is determined that the user account has opened transaction with credit service, then the index mark of the user account is returned into the merchant transaction management system；The bill information of merchant transaction management system upload is received, the index mark of user account is carried in the bill information；The user account pointed to based on the index mark performs bill payment operation.

Description

The implementation method and device of off-line transaction

Technical field

This specification is related to Internet technical field, more particularly to the implementation method and device of a kind of off-line transaction.

Background technology

With the fast development of Internet technology, Xian Xia entities trade company more and more solves to give birth to Internet technology The problem of in production, business process, such as：Open electronic payment function, it is allowed to paid etc. after customer consumption by network.So And Xian Xia entities trade company is still faced with the problems such as human cost is high, profit is low.

The content of the invention

In view of this, this specification provides a kind of implementation method and device of off-line transaction.

Specifically, this specification is achieved by the following technical solution：

A kind of implementation method of off-line transaction, applied to service end, including：

Receive the user biological feature that merchant transaction management system collects；

Judge whether the user account of the biological characteristic binding has opened transaction with credit service, the transaction with credit service It is open-minded in the case where the credit information of the user account meets condition；

If it is determined that the user account has opened transaction with credit service, then the index mark of the user account is returned to The merchant transaction management system；

The bill information of merchant transaction management system upload is received, the index of user account is carried in the bill information Mark；

The user account pointed to based on the index mark performs bill payment operation.

A kind of self-service vending machine, including：First acquisition module, first communication module, first sell module；

Wherein, first acquisition module, for gathering user biological feature；

The first communication module, for sending the biological characteristic to service end, so that service end judges the biology Whether the user account of feature binding has opened transaction with credit service, and receives service end it is determined that having opened transaction with credit service When return the user account index mark；

Described first sells module, for receive it is described index mark after, respond user purchase instruction and to Corresponding kinds of goods are sold at family；

The first communication module, is additionally operable to after end is sold, send carry it is described index mark bill information to Service end, so that service end performs bill payment operation based on the user account that the index mark is pointed to.

A kind of management system of unmanned supermarket, including：Second acquisition module, second communication module, access control module, knot Calculate module；

Wherein, second acquisition module, for gathering user biological feature；

The second communication module, for sending the biological characteristic to service end, so that service end judges the biology Whether the user account of feature binding has opened transaction with credit service, and receives service end it is determined that having opened transaction with credit service When return the user account index mark；

The access control module, for after the second communication module receives the index mark, controlling supermarket Gate open, to allow user to enter；

The settlement module, for it is determined that after user's departure, generation to carry the bill information of the index mark；

The second communication module, it is additionally operable to the bill information being sent to service end, so that service end is based on described The user account that index mark is pointed to performs bill payment operation.

A kind of realization device of off-line transaction, applied to service end, including：

Collection apparatus unit, receive the user biological feature that merchant transaction management system collects；

Judging unit is opened, judges whether the user account of the biological characteristic binding has opened transaction with credit service, institute It is open-minded in the case where the credit information of the user account meets condition to state transaction with credit service；

Index returning unit, however, it is determined that the user account has opened transaction with credit service, then by the user account Index mark returns to the merchant transaction management system；

Bill receiving unit, the bill information of merchant transaction management system upload is received, is carried in the bill information The index mark of user account；

Bill payment unit, the user account pointed to based on the index mark perform bill payment operation.

A kind of realization device of off-line transaction, including：

Processor；

For storing the memory of machine-executable instruction；

Wherein, the corresponding machine of control logic is realized with off-line transaction by reading and performing the memory storage Executable instruction, the processor are prompted to：

The present embodiment user can pass through biological characteristic when credit information meets condition it can be seen from above description Off-line transaction is realized, it is convenient and swift without using terminal device.For trade company, because the credit information of user has met Condition, the user account that can be subsequently returned by service end index mark and carry out asking money, are without putting into manpower supervisory user No payment, save substantial amounts of human cost.

Brief description of the drawings

Fig. 1 is a kind of schematic flow sheet of the implementation method of off-line transaction shown in the exemplary embodiment of this specification one.

Fig. 2 is a kind of schematic flow sheet of transaction with credit service release shown in the exemplary embodiment of this specification one.

Fig. 3 is the flow signal of the implementation method of another off-line transaction shown in the exemplary embodiment of this specification one Figure.

Fig. 4 is a kind of schematic diagram of self-service vending machine shown in the exemplary embodiment of this specification one.

Fig. 5 is that an a kind of structure of realization device for off-line transaction shown in the exemplary embodiment of this specification one is shown It is intended to.

Fig. 6 is a kind of block diagram of the realization device of off-line transaction shown in the exemplary embodiment of this specification one.

Embodiment

Here exemplary embodiment will be illustrated in detail, its example is illustrated in the accompanying drawings.Following description is related to During accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawings represent same or analogous key element.Following exemplary embodiment Described in embodiment do not represent all embodiments consistent with this specification.On the contrary, they are only and such as institute The example of the consistent apparatus and method of some aspects be described in detail in attached claims, this specification.

It is only merely for the purpose of description specific embodiment in the term that this specification uses, and is not intended to be limiting this explanation Book." one kind " of used singulative, " described " and "the" are also intended to bag in this specification and in the appended claims Most forms are included, unless context clearly shows that other implications.It is also understood that term "and/or" used herein is Refer to and any or all may be combined comprising the associated list items purpose of one or more.

It will be appreciated that though various information may be described using term first, second, third, etc. in this specification, but These information should not necessarily be limited by these terms.These terms are only used for same type of information being distinguished from each other out.For example, do not taking off In the case of this specification scope, the first information can also be referred to as the second information, and similarly, the second information can also be claimed For the first information.Depending on linguistic context, word as used in this " if " can be construed to " ... when " or " when ... " or " in response to determining ".

Fig. 1 is refer to, the implementation method of the off-line transaction can be applied in service end, comprised the following steps：

Step 102, the user biological feature that merchant transaction management system collects is received.

In the present embodiment, the merchant transaction management system is generally disposed by the entity trade company under line, and including can be with Gather the physical characteristics collecting device of user biological feature.The biological characteristic can include：Fingerprint, palmmprint, facial image, rainbow Film etc..

Merchant transaction management system can pass through the network transmission side such as wired, wireless after user biological feature is collected The biological characteristic collected is uploaded to service end by formula.By taking palmmprint as an example, user is after palmmprint is placed, merchant transaction management system The characteristic informations such as the main line of palmmprint, gauffer, triangulation point, minutiae point can be collected.By taking face as an example, merchant transaction system can be with Collect face characteristic information.The characteristic information of the biological characteristic collected is uploaded to service end by merchant transaction management system.

Step 104, judge whether the user account of the biological characteristic binding has opened transaction with credit service, the credit Transactional services are open-minded in the case where the credit information of the user account meets condition.

Step 106, however, it is determined that the user account has opened transaction with credit service, then by the index mark of the user account Knowledge returns to the merchant transaction management system.

In the present embodiment, the user account index mark can be user account ID or with user's account Number there is temporary account ID etc. of corresponding relation, the present embodiment is not particularly limited to this.

Step 108, the bill information of merchant transaction management system upload is received, user's account is carried in the bill information Number index mark.

In the present embodiment, entity trade company of the user under line is done shopping, had dinner etc. after consumer behavior, merchant transaction pipe Reason system can carry the index of billing amount and user account mark caused by user this consumer behavior to be believed in bill Service end is sent in breath, is generally also included in the bill information：The information such as bill time, billing code.

Step 110, the user account pointed to based on the index mark performs bill payment operation.

Based on abovementioned steps 108, after the bill information is received, it can search what user account index mark was pointed to User account, the user account for being then based on finding perform bill payment operation, such as：Account is deducted in the user account Single amount of money is to pay trade company.

Retouched separately below by the opening of transaction with credit service, two aspects of off-line transaction based on transaction with credit service State the implementation process of this specification.

First, transaction with credit service is open-minded

Fig. 2 is refer to, the opening for transaction with credit service may comprise steps of：

Step 202, receive transaction with credit service opens request.

In the present embodiment, user can be by the client software (APP, Application) that is loaded in terminal device The request of opening of transaction with credit service is initiated, user can also initiate opening for transaction with credit service by the browser of PC please Ask.

Step 204, whether the credit information for judging to initiate the user account for opening request meets condition.

Based on abovementioned steps 202, service end receive the transaction with credit service open request after, it can be determined that hair Whether the credit information for playing the user account for opening request meets default condition, such as：Judge that the credit of user account is commented Divide and whether be more than or equal to default scoring threshold value.The scoring threshold value can be configured in advance by developer.In general, The credit scoring of user account is higher, represents that the credit of user is better, and user's promise breaking, the probability of fraud are lower.

Step 206, if the credit information of the user account meets the condition, credit is opened for the user account Transactional services, and the biological characteristic uploaded based on the user account and the user account are bound.

Can be the use when the credit information of user account meets condition based on the judged result of abovementioned steps 204 Family account opens transaction with credit service, and prompts user to upload the biological characteristic for being serviced using the transaction with credit.

User after the biological characteristic for being used for servicing using the transaction with credit is uploaded, service end can by the biological characteristic and User account is bound, such as：The account number of the characteristic information of the biological characteristic and user account is bound etc..

In one example, it can realize that credit is handed over by way of adding transaction with credit service mark for user account What is easily serviced is open-minded.Wherein, the transaction with credit service mark can be specific character, character string etc..For example, can be with Transaction with credit service flag is set for each user account, the initial value of the flag bit can be 0, for representing not open letter With transactional services, when opening transaction with credit service for certain user account, its flag bit can be revised as 1,1 representative by 0 and believed With service mark, transaction with credit service has been opened in expression.

In another example, can be by the way that the binding relationship between biological characteristic and user account be preserved to specified credit The open-minded of transaction with credit service is realized in storehouse.Wherein, the implementation of the credit interchange can be database, tables of data etc.. Such as：Service end can set a credit interchange, open transaction with credit service when, can by user upload biological characteristic with Binding relationship between user account is stored into the credit interchange.Again such as：Service end can be that each area sets a letter With storehouse, when opening transaction with credit service, the binding relationship between the biological characteristic and user account that can upload user is deposited In the credit interchange for storing up user account location, so as to which the storage of the binding relationship of different regions is arrived into different credit interchanges In, improve the efficiency of subsequent query.Wherein, regional division principle can be it is provincial division, city-level division etc., the present embodiment pair This is not particularly limited.

In the present embodiment, the credit information of user account generally constantly becomes with the service condition of user account Change, service end is directed to the user account for having opened transaction with credit service, can check this using periodically or by the way of event triggering Whether the credit information of user account still meets condition.If still meeting condition, the user account credit can be maintained to hand over The opening state easily serviced；If being unsatisfactory for condition, the transaction with credit service of the user account can be closed, such as：This is used The transaction with credit service flag of family account is revised as 0 by 1, or user biological feature and user are deleted in credit interchange is specified Binding relationship between account etc..Wherein, proof cycle can be configured by developer, such as：1 month, 2 months etc.. The event triggering can include：The renewal of user account credit information, such as：When the credit information of user account has renewal When, it can check whether the credit information of the user account still meets condition etc..

In the present embodiment, however, it is determined that the credit information of user account is unsatisfactory for condition, then not open-minded for the user account Transaction with credit service, such as：Maintain value 0 of transaction with credit service flag etc..Credit information can also be discontented with by service end The result of sufficient condition and the method return for improving credit information, with for reference.

2nd, the off-line transaction based on transaction with credit service

Based on the embodiment shown in Fig. 1, in one example, it is special that the biology uploaded during transaction with credit service is opened with user Exemplified by sign is palmmprint, Fig. 3 is refer to, user is lower online can be included using the process of transaction with credit service：

Step 301, user inputs palmmprint in merchant transaction management system.

In the present embodiment, user can input oneself in the palm print collecting device that merchant transaction management system provides Palmmprint.

Step 302, the palmmprint collected is sent to service end by merchant transaction management system.

Step 303, service end judges whether user has opened transaction with credit service.

In the present embodiment, for the different implementations of transaction with credit service release, it can correspond to and sample different sides Formula judges whether user has opened transaction with credit service.

Implementation for adding transaction with credit service mark for user account, service end can check that the palmmprint is bound User account transaction with credit service flag value, if value be 0, can determine user do not open transaction with credit clothes Business；If value is 1, can determine to have opened transaction with credit service.

For the binding relationship between biological characteristic and user account is preserved to the implementation of specified credit interchange, if referring to It is globally unique credit interchange to determine credit interchange, then user's account with the presence or absence of palmmprint binding can be inquired about in the credit interchange Number, if finding the user account of binding, it can determine that the user has opened transaction with credit service；If binding is not found User account, then it can determine not opening transaction with credit service.

If the credit interchange for specifying credit interchange to be the corresponding user account location, can first determine merchant transaction pipe The location of reason system, then search the palmmprint in local credit interchange corresponding to the merchant transaction management system location and tie up Fixed user account.As an example it is assumed that the merchant transaction management system is in Hangzhou, it is contemplated that user enters line in its location The probability of lower transaction is higher, and the user account of palmmprint binding can be preferentially searched in the credit interchange of Hangzhou, is looked into improving Look for speed.If do not found, the user of account binding can be searched in the credit interchange elsewhere outside Hangzhou Account.If after other all credit interchanges are searched, the user account of palmmprint binding is not found yet, then can determine the use Transaction with credit service is not opened in family.

In the present embodiment, it is determined that palmmprint binding user account when, merchant transaction management system can be sent The palm print characteristics that the characteristic information of palmmprint is bound with each user account are matched, if matching, can determine palmmprint binding User account.In this example, point feature and line feature, textural characteristics, subspace analysis and graded features that can be based on palmmprint The personal recognitions such as fusion are calculated to carry out the matching of palmmprint, and the present embodiment is not particularly limited to this.

In another example, so that biological characteristic is face as an example, the algorithm of face matching can be：Eigenface (Eigenface), local binary patterns algorithm (Local Binary Patterns, LBP) etc., the present embodiment does not make spy to this Different limitation.Optionally, can be with advanced pedestrian's face vivo identification before face matching is carried out.Face vivo identification can adopt With various ways, such as active face In vivo detection technology and passive type face In vivo detection technology.Active face is lived Physical examination survey technology requires that user, according to instruction, coordinates when carrying out recognition of face and completes specific live body action, such as blink, turn Head, open one's mouth, so as to which whether In vivo detection module can be accurately finished live body action according to operator, decision person is No is live body.Passive type face In vivo detection technology does not need user to coordinate and completes live body action, better user experience, but technology Difficulty is high, and the single-frame images information or other equipment sensor information for relying primarily on input carry out In vivo detection.Such as make With the face of live body and non-living body gather image for single deep learning model exercise supervision formula train, then using training Model afterwards carries out face live body prediction for the single-frame images of input.Furthermore it is also possible to entered using two deep learning models Pedestrian's face In vivo detection.

In addition, if service end determines the unbound any user account of the palmmprint, it can also determine that the user does not open letter Use transactional services.

Step 304, service end returns the index of user account mark after it is determined that the user opened transaction with credit service Back to merchant transaction management system.

In one example, the ID of user account can be indexed mark as it and return to merchant transaction management by service end System.

In another example, to ensure user account safety, service end can be with the index mark of dynamic generation user account Know and return to merchant transaction management system, such as：Service end can generate the random code for binding the user account or interim account Number, the random code or temporary account are then returned into merchant transaction management system.Wherein, the random code or temporary account pair There should be default failure duration, such as：6 hours, 12 hours etc., after the default failure duration is reached, releasing should be with Binding relationship between machine code or temporary account and the user account.

Step 305, merchant transaction management system allows user freely to purchase, and is checked out after buying.

In the present embodiment, merchant transaction management system is receiving the index mark of the user account of service end return Afterwards, it may be determined that user has opened transaction with credit service, and then user can be allowed to be consumed, such as：Control merchant store fronts Gate open, user checks out after consumption, without manual oversight user whether received payment.

Step 306, by user, this bill message consumed is sent to service end to merchant transaction management system, bill letter Above-mentioned index mark is carried in breath.

In the present embodiment, for user after consumption, merchant transaction management system can calculate the bill of this consumption of user The amount of money, then the information such as the index mark of billing amount, user account are carried service end is sent in bill information.

In the present embodiment, merchant transaction management system can determine the account of user by video surveillance, calendar scheduling mode Single amount of money, the present embodiment are not particularly limited to this.

Step 307, service end performs bill payment operation based on the user account that index mark is pointed to.

Based on abovementioned steps 306, after the bill information of merchant transaction management system transmission is received, bill can be searched The user account that the index mark carried in information is pointed to, the user account for being then based on finding perform bill payment operation, Such as：Billing amount is deducted based on the user account, and pays the billing amount of deduction to the binding of merchant transaction management system Account etc..

In the present embodiment, bill payment operation generally occurs after customer consumption departure, to ensure user account safety, Service end can first check whether the bill information that merchant transaction management system uploads meets before bill payment operation is performed Default security strategy, if meeting, bill payment operation can be performed；If not meeting, bill payment operation can be suspended, and The bill information is sent to the user account of the index mark sensing, so that user is confirmed, if user confirms to be somebody's turn to do Bill, then delivery operation can be performed, if user produces objection to the bill, trade company can be asked to confirm the bill Deng to ensure the property safety of user.

In one example, above-mentioned security strategy can include：Merchant transaction management system sends the time of user's palmmprint The time difference with the bill time in time difference threshold value, wherein, the time difference threshold value can by developer according to consumption scene carry out Set.In general, the duration that user is consumed after palmmprint is inputted is generally in certain duration, such as：User has dinner Duration generally not over 3 hours, user is in duration generally not over 2 hours of supermarket shopping etc..If trade company hands over The time difference of time and bill time that manageability system sends user's palmmprint exceed the time difference threshold value, then illustrate that this bill may In the presence of exception, to ensure the fund security of user, bill payment operation can be suspended, and bill information is sent to user and carried out Confirm.

In another example, above-mentioned security strategy can also include：Billing amount meets what the index mark was pointed to The transaction with credit amount of money of user account limits, wherein, the transaction with credit amount of money of restriction can be voluntarily configured by user, than Such as：User can set the transaction with credit amount of money of restriction after transaction with credit service is opened.As an example it is assumed that user is set The transaction with credit amount of money be 500 yuan, if billing amount not less than 500 yuan, can perform bill payment operation；If billing amount More than 500 yuan, then it can suspend bill payment operation, and bill information is sent to user and confirmed.

In another example, above-mentioned security strategy can be relevant with the position of user terminal.Based on Fig. 1 and Fig. 3 institutes The embodiment shown, using transaction with credit service, user can realize the off-line transaction for exempting from terminal, and in the application of reality, use Off-line transaction is realized in family even with the transaction with credit service for exempting from terminal, can generally also carry with the terminal devices such as mobile phone. In this example, the client software that is interacted with above-mentioned service end can regular reporting terminal positional information, the client is soft Part can be based on user account and log in.Service end after the positional information that client reports is received, can with save location information and On the corresponding relation that calls time, wherein, the cycle of client reporting position information can be configured by developer, such as：1 Hour, 2 hours etc..

The example of table 1 is refer to, table 1 shows the position letter that the client software loaded in the terminal device of user 1 reports Breath and on call time.User account 1 of the client software based on user 1 logs in.

On call time	Positional information
		2017/6/19 10:00:00	Position 1
2017/6/19 11:00:00	Position 2
		2017/6/19 12:00:00	Position 3

Table 1

Based on the example of table 1, service end can obtain after the bill information of merchant transaction management system transmission is received The bill time, it is assumed that the bill time is 201,7/6,/19 12:42:28, the index that the bill information carries represents to point to user's account Number 1, then the time that service end can get the last reporting position information of client of the login of user account 1 is 2017/6/19 12:00:00, the time difference apart from the bill time be 42 points 28 seconds.The position that the client the last time reports is Position 3, service end can be with the range differences of calculation position 3 and merchant transaction management system position, it is assumed that position 3 is positioned at north Capital, and merchant transaction management system position is in Sanya, at 42 points in 28 seconds, user 1 can not rush to Sanya from Beijing, so It is corresponding that the positional information of merchant transaction management system with the range difference of the terminal positional information got does not meet the above-mentioned time difference Change in location difference, it may be determined that bill information is abnormal, to ensure the fund security of user, can suspend this bill payment behaviour Make, and bill information is sent to user and confirmed.

In actual applications, above-mentioned three kinds of security strategies can be combined and carries out safety detection, above-mentioned one kind can also be used Or any two kinds of security strategies carry out safety detection, it is of course also possible to use other security strategies carry out safety detection, this reality Example is applied to be not particularly limited this.

Step 308, service end is after bill payment success, according to the credit of the positive renewal user account of bill payment information Information.

In the present embodiment, if bill payment success, positive renewal can be carried out to the credit information of user account, such as Record the credit event of user；Such as accordingly credit scoring of increase user account etc. again.In practical implementations, can be in bill The renewal of credit information is carried out after paying successfully, credit information can also be carried out until the renewal time point of credit information Renewal, the present embodiment are not particularly limited to this.

In another example, service end can send after bill payment failure and pay failure to user, than Such as：Payment failure is pushed to the user account of above-mentioned index mark sensing, the client logged in based on the user account End can show the payment failure, such as：Client can show message in homepage, and " you are in 2017-5-18 in * * The bill of shop consumption is withholdd unsuccessfully, please be clicked on and be re-started payment ".Payment failed message based on displaying, user can be with hands It is dynamic to re-start payment.

Optionally, if user does not re-start payment manually within the time limit of predetermined, service end can again attempt to automatically Pay, such as：Again attempt to withhold after 24 hours.

Certainly, service end can also reattempt automatic payment several times after bill payment failure, can if failing This is not particularly limited to user, the present embodiment with sending payment failure.

In this example, if the number of bill payment failure reaches pre-determined number, such as：3 times, it is 5 inferior, and reach payment When deadline still fails to pay, service end can update the credit information of user with negative sense, user can also be added into credit and born Face list, such as：User is added into credit blacklist.Wherein, the payment deadline can be configured by trade company, than Such as：10 days, 15 days etc..Optionally, the negative list of the credit can also be supplied to trade company in need, enterprise etc. by service end, To assist related trade company, enterprise to reduce risk.

By user it can be seen from above description after transaction with credit service is opened, it can be realized by biological characteristic under line Transaction, it is convenient and swift without using terminal device.For trade company, it can subsequently pass through the user account of service end return Index mark carries out asking money, without putting into whether manpower supervisory user pays the bill, saves substantial amounts of human cost.

The off-line transaction implementation that above-mentioned Fig. 1 or embodiment illustrated in fig. 3 are recorded can apply self-service vending machine, nobody In the scenes such as supermarket, self-service KTV.It is described below by taking self-service vending machine and unmanned supermarket as an example.

First, self-service vending machine

In one example, user can first select to want the kinds of goods of purchase when self-service vending machine buys kinds of goods, self-service Vending machine can export the amount of money of this consumption of user, and user can use cash, bank card, Third-party payment platform etc. a variety of Mode is paid the bill, and after successful payment, self-service vending machine can launch the kinds of goods for selecting user.

In another example, Fig. 4 is refer to, self-service vending machine can include the first acquisition module, first communication module And first sell module.

Wherein, first acquisition module, can be physical characteristics collecting module, for gathering user biological feature.

In this example, still by taking palmmprint as an example, user can first pass through the first collection mould when self-service vending machine buys kinds of goods Block inputs the palmmprint of oneself, and the palmmprint can be sent to service end by first communication module, if service end determines that the palmmprint is bound User account opened transaction with credit service, and return user account index mark, then selling module can allow to use Family selects kinds of goods, and user sells module and just launch corresponding kinds of goods, user picks up kinds of goods and can left after kinds of goods are selected.

For self-service vending machine, first communication module can send corresponding bill information to service end, the bill The index mark for the user account that service end returns and the billing amount of this kinds of goods are carried in information.Service end can be based on The user account that the index mark is pointed to performs bill payment operation.

Optionally, it is self-service to peddle to ensure that the user for not opening transaction with credit service can also use the self-service vending machine Machine is also provided with the first reminding module, and first reminding module can include display screen.Service end is it is determined that user When the unbound any user account of palmmprint or the user account of user's palmmprint binding do not open transaction with credit service, it can return Error message.First reminding module can be based on miscue corresponding to error message generation, in addition, described first carries Show that module can also prompt user to carry out bill payment using conventional payment mode, such as：Allow user elder generation shopping goods, choose it After prompt user-pay, and kinds of goods corresponding to launching after user-pay success etc., this example is not particularly limited to this.

2nd, unmanned supermarket

In this example, businessman can dispose unmanned supermarket on airport, office building and other places and dispose the management system of unmanned supermarket System.The management system can include：Second acquisition module, second communication module, access control module and settlement module.It is described Second acquisition module is used for the biological characteristic for gathering user, and second acquisition module can be arranged on unmanned supermarket outdoors. By taking palmmprint as an example, palm print collecting device (the second acquisition module) can be set on the doorway of unmanned supermarket, user wants to enter into nothing During people supermarket, the palmmprint of oneself can be inputted, the palmmprint collected can be uploaded to clothes by the second communication module of unmanned supermarket It is engaged in end, if service end determines that the user account of palmmprint binding has opened transaction with credit service, returning to the index of user account Mark.Access control module can control the gate of unmanned supermarket to open after second communication module receives index mark, To allow user to enter shopping goods in supermarket.User can in unmanned supermarket free shopping goods, choose terminate after i.e. Can voluntarily it leave.

In this example, settlement module, for according to billing amount, generation to carry the bill information of the index mark. Specifically, businessman can dispose monitoring device on doorway, when detecting that user leaves unmanned supermarket, such as：User is at nobody Gate is opened in supermarket, the kinds of goods of user's purchase can be determined by monitoring device, then this Shopping Behaviors of calculating user relate to And billing amount.Certainly, businessman can also determine the billing amount that this Shopping Behaviors of user are related to using other modes, than Such as：Mode of scanning input codeword value etc., the present embodiment is not particularly limited to this.

In this example, after bill information is generated, second communication module can send the bill information to service end.Clothes Being engaged in end can be based on the user account execution bill payment operation that the index mark is pointed to.

In above process, off-line transaction can be achieved by palmmprint in user, for a user, is set without carried terminal It is standby, it is convenient and swift.For businessman, carry out the selling of kinds of goods without disposing manpower, settle accounts, greatly save human cost.

In another example, when thering is user to do shopping in unmanned supermarket, other users can be prevented to enter interior.Specifically Ground, second acquisition module, it is additionally operable to when it is determined that user does not leave supermarket, stops collection user biological feature, so that The index mark of service end transmission can not be received by obtaining second communication module, and access control module will not control the gate of supermarket to open Open.Wherein, the decision procedure of user's departure can be that the gate of unmanned supermarket is opened by internal trigger, such as：User, which does shopping, to tie Shu Hou, door open button is pressed in unmanned supermarket, then gate can be controlled to open, and determine that user checks out.It is, of course, also possible to adopt Determine whether user checks out in other ways, such as：Video monitoring etc., the present embodiment is not particularly limited to this.

Optionally, the management system of unmanned supermarket is also provided with the second reminding module, and second reminding module can With including display screen.Service end is it is determined that the unbound any user account of user's palmmprint or user's account of user's palmmprint binding When number not opening transaction with credit service, error message can be returned.Second reminding module can be based on the error message and give birth to Into corresponding miscue, such as：Exported in display screen " you not yet open credit payment service, please first open-minded " etc..

Similar with unmanned supermarket, self-service KTV can also realize that this specification is no longer gone to live in the household of one's in-laws on getting married one by one herein using aforesaid way State.

Corresponding with the embodiment of the implementation method of foregoing off-line transaction, this specification additionally provides the realization of off-line transaction The embodiment of device.

The embodiment of the realization device of this specification off-line transaction can be applied on the server.Device embodiment can lead to Software realization is crossed, can also be realized by way of hardware or software and hardware combining.Exemplified by implemented in software, as a logic Device in meaning, it is by corresponding computer program instructions in nonvolatile memory by the processor of server where it Read what operation in internal memory was formed.For hardware view, as shown in figure 5, the realization device for the present embodiment off-line transaction A kind of hardware structure diagram of place server, except the processor shown in Fig. 5, internal memory, network interface and non-volatile memories Outside device, server in embodiment where device can also include other hardware generally according to the actual functional capability of the server, This is repeated no more.

Fig. 6 is refer to, the realization device 500 of the off-line transaction can be applied in the server shown in earlier figures 5, bag Include：Collection apparatus unit 501, open judging unit 502, index returning unit 503, bill receiving unit 504, bill payment Unit 505, service release unit 506, credit inspection unit 507, security check unit 508 and position storage unit 509.

Wherein, collection apparatus unit 501, the user biological feature that merchant transaction management system collects is received；

Judging unit 502 is opened, judges whether the user account of the biological characteristic binding has opened transaction with credit service, The transaction with credit service is open-minded in the case where the credit information of the user account meets condition；

Index returning unit 503, however, it is determined that the user account has opened transaction with credit service, then by the user account Index mark return to the merchant transaction management system；

Bill receiving unit 504, the bill information of merchant transaction management system upload is received, is taken in the bill information Index mark with user account；

Bill payment unit 505, the user account pointed to based on the index mark perform bill payment operation.

Service release unit 506：Receive transaction with credit service opens request；

Whether the credit information for judging to initiate the user account for opening request meets condition；

If the credit information of the user account meets the condition, transaction with credit clothes are opened for the user account Business, and the biological characteristic uploaded based on the user account and the user account are bound.

Optionally, the service release unit 506 is that the user account opens transaction with credit service, including：

Transaction with credit service mark is added for the user account；

It is described to open judging unit 502：Whether judge the user account of the biological characteristic binding has transaction with credit clothes Business mark；

If there is the transaction with credit service mark, it is determined that the user account of the biological characteristic binding has opened credit Transactional services.

Binding relationship between biological characteristic and the user account that the user account is uploaded is preserved to specified letter With in storehouse；

It is described to open judging unit 502：The user account of the biological characteristic binding is searched in the specified credit interchange；

If find the user account of binding, it is determined that the user account of the biological characteristic binding has opened transaction with credit Service.

Optionally, the specified credit interchange is the credit interchange of the corresponding user account location；

It is described to open judging unit 502：It is corresponding in the merchant transaction management system location for gathering the biological characteristic Local credit interchange in search the user account of biological characteristic binding；

If not finding the user account of binding, the life is searched in the credit interchange in addition to the local credit interchange The user account of thing feature binding；

If the user account of binding is not found yet, it is determined that the user account of the biological characteristic binding does not open credit Transactional services.

Optionally, it is described to open judging unit 502, also it is determined that during the unbound any user account of the biological characteristic, Error message is returned to the merchant transaction management system.

Credit inspection unit 507, the user for having opened transaction with credit service is checked by the way of the triggering of regular or event Whether the credit information of account meets the condition；

If being unsatisfactory for the condition, the transaction with credit service of the user account is closed.

Optionally, the bill payment unit 505, also in bill payment success, according to bill payment information forward direction more The credit information of the new user account；

The event triggering includes：The renewal of user account credit information.

Security check unit 508, before the user account pointed to based on the index mark performs bill payment operation, Check whether the bill information meets security strategy；If the bill information does not meet the security strategy, suspend bill Delivery operation, and the bill information is sent to the user account for indexing and identifying and pointing to, so that user is confirmed；

The bill payment unit 505, when the bill information meets the security strategy, based on the index mark The user account of sensing performs bill payment operation.

Optionally, the bill payment unit 505, when bill payment fails, failed message is sent to user；And/or And bill payment failure number reach pre-determined number and reach pay the deadline do not pay yet when, by user add believe With negative list.

Optionally, the security strategy includes：The time of the biological characteristic and the time difference of bill time are sent in the time difference In threshold value.

Optionally, the security strategy includes：Billing amount meets the credit for the user account that the index mark is pointed to Dealing money limits.

Position storage unit 509, preserve the terminal location letter that the client logged in based on the user account is periodically reported Breath and on call time；

The security check unit 508：

Obtain the terminal location reported based on described client the last time for indexing the user account login that mark is pointed to Information and above call time；

According to the bill time and get on time difference for calling time, judge the positional information of merchant transaction management system with Whether the range difference of the terminal positional information got meets change in location difference corresponding to the time difference, if meeting, it is determined that The bill information meets security strategy.

Optionally, the condition includes：The credit scoring of user account is more than or equal to scoring threshold value.

Optionally, the index mark of the user account is dynamic change.

The function of unit and the implementation process of effect specifically refer to and step are corresponded in the above method in said apparatus Implementation process, it will not be repeated here.

For device embodiment, because it corresponds essentially to embodiment of the method, so related part is real referring to method Apply the part explanation of example.Device embodiment described above is only schematical, wherein described be used as separating component The unit of explanation can be or may not be physically separate, can be as the part that unit is shown or can also It is not physical location, you can with positioned at a place, or can also be distributed on multiple NEs.Can be according to reality Need to select some or all of module therein to realize the purpose of this specification scheme.Those of ordinary skill in the art are not In the case of paying creative work, you can to understand and implement.

System, device, module or the unit that above-described embodiment illustrates, it can specifically be realized by computer chip or entity, Or realized by the product with certain function.One kind typically realizes that equipment is computer, and the concrete form of computer can To be personal computer, laptop computer, cell phone, camera phone, smart phone, personal digital assistant, media play In device, navigation equipment, E-mail receiver/send equipment, game console, tablet PC, wearable device or these equipment The combination of any several equipment.

Corresponding with the embodiment of the realization of foregoing off-line transaction, this specification also provides a kind of realization dress of off-line transaction Put, the realization device of the off-line transaction includes：Processor and the memory for storing machine-executable instruction.Wherein, locate Reason device and memory are generally connected with each other by internal bus.In other possible implementations, the equipment is also possible to wrap External interface is included, can be communicated with other equipment or part.

In the present embodiment, by reading and performing the memory storage and control logic pair is realized in off-line transaction The machine-executable instruction answered, the processor are prompted to：

Optionally, when opening transaction with credit service, the processor is prompted to：

Receive transaction with credit service opens request；

Optionally, when opening transaction with credit service for the user account, the processor is prompted to：

Transaction with credit service mark is added for the user account；

When whether the user account for judging the biological characteristic binding has opened transaction with credit service, the processor quilt Promote：

Whether judge the user account of the biological characteristic binding has transaction with credit service mark；

The user account of the biological characteristic binding is searched in the specified credit interchange；

Institute is searched in local credit interchange corresponding to the merchant transaction management system location of the biological characteristic is gathered State the user account of biological characteristic binding；

Optionally, the processor is also prompted to：

If it is determined that the unbound any user account of biological characteristic, then return to mistake to the merchant transaction management system Message.

Optionally, the processor is also prompted to：

The credit information for the user account for having opened transaction with credit service is checked by the way of the triggering of regular or event is It is no to meet the condition；

Optionally, the processor is also prompted to：

If bill payment success, according to the positive credit information for updating the user account of bill payment information；

The event triggering includes：The renewal of user account credit information.

Optionally, the processor is also prompted to：

If bill payment fails, send and pay failure to user；And/or

If bill payment failure number reach pre-determined number and reach pay the deadline do not pay yet, by user Add the negative list of credit.

Optionally, the processor is also prompted to：

Before the user account pointed to based on the index mark performs bill payment operation, the bill information is checked Whether security strategy is met；

If the bill information meets the security strategy, the user account pointed to based on the index mark performs account Single delivery operation；

If the bill information does not meet the security strategy, pause bill payment operation, and by the bill information The user account that the index mark is pointed to is sent to, so that user is confirmed.

Optionally, the processor is also prompted to：

The terminal positional information and above call time that preservation is periodically reported based on the client that the user account logs in；

When checking whether the bill information meets security strategy, the processor is prompted to：

Optionally, the index mark of the user account is dynamic change.

Corresponding with the embodiment of the implementation method of foregoing off-line transaction, this specification also provides a kind of computer-readable deposit Storage media, computer program is stored thereon with, the program realizes following steps when being executed by processor：

Optionally, the opening process of the transaction with credit service includes：

Receive transaction with credit service opens request；

Optionally, it is described to open transaction with credit service for the user account, including：

Transaction with credit service mark is added for the user account；

Whether the user account for judging the biological characteristic binding has opened transaction with credit service, including：

Optionally, in addition to：

The event triggering includes：The renewal of user account credit information.

Optionally, in addition to：

If bill payment fails, send and pay failure to user；And/or

Optionally, in addition to：

It is described to check whether the bill information meets security strategy, including：

Optionally, the index mark of the user account is dynamic change.

It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims It is interior.In some cases, the action recorded in detail in the claims or step can be come according to different from the order in embodiment Perform and still can realize desired result.In addition, the process described in the accompanying drawings not necessarily require show it is specific suitable Sequence or consecutive order could realize desired result.In some embodiments, multitasking and parallel processing be also can With or be probably favourable.

The preferred embodiment of this specification is the foregoing is only, it is all in this explanation not to limit this specification Within the spirit and principle of book, any modification, equivalent substitution and improvements done etc., the model of this specification protection should be included in Within enclosing.

Claims

1. a kind of implementation method of off-line transaction, applied to service end, including：

Judge whether the user account of biological characteristic binding has opened transaction with credit service, the transaction with credit service be The credit information of the user account meets open-minded in the case of condition；

If it is determined that the user account has opened transaction with credit service, then the index mark of the user account is returned to described Merchant transaction management system；

The bill information of merchant transaction management system upload is received, the index mark of user account is carried in the bill information Know；

2. according to the method for claim 1, the opening process of the transaction with credit service includes：

Receive transaction with credit service opens request；

If the credit information of the user account meets the condition, transaction with credit service is opened for the user account, and The biological characteristic uploaded based on the user account and the user account are bound.

3. according to the method for claim 2, described open transaction with credit service for the user account, including：

Transaction with credit service mark is added for the user account；

If there is the transaction with credit service mark, it is determined that the user account of the biological characteristic binding has opened transaction with credit Service.

4. according to the method for claim 2, described open transaction with credit service for the user account, including：

Binding relationship between biological characteristic and the user account that the user account is uploaded is preserved to specified credit interchange In；

If find the user account of binding, it is determined that the user account of the biological characteristic binding has opened transaction with credit clothes Business.

5. according to the method for claim 4, the specified credit interchange is the credit of the corresponding user account location Storehouse；

The life is searched in local credit interchange corresponding to the merchant transaction management system location of the biological characteristic is gathered The user account of thing feature binding；

If not finding the user account of binding, it is special that the biology is searched in the credit interchange in addition to the local credit interchange Levy the user account of binding；

If the user account of binding is not found yet, it is determined that the user account of the biological characteristic binding does not open transaction with credit Service.

6. the method according to claim 11, in addition to：

If it is determined that the unbound any user account of biological characteristic, then return to mistake to the merchant transaction management system and disappear Breath.

7. the method according to claim 11, in addition to：

Check whether the credit information for the user account for having opened transaction with credit service is full by the way of the triggering of regular or event The foot condition；

8. the method according to claim 11, in addition to：

The event triggering includes：The renewal of user account credit information.

9. the method according to claim 11, in addition to：

If bill payment fails, send and pay failure to user；And/or

If bill payment failure number reach pre-determined number and reach pay the deadline do not pay yet, user is added The negative list of credit.

10. the method according to claim 11, in addition to：

Before the user account pointed to based on the index mark performs bill payment operation, whether the bill information is checked Meet security strategy；

If the bill information meets the security strategy, the user account pointed to based on the index mark performs bill branch Pay operation.

11. according to the method for claim 10, the security strategy includes：Send time and the bill of the biological characteristic The time difference of time is in time difference threshold value.

12. according to the method for claim 10, the security strategy includes：Billing amount meets that the index mark is pointed to User account the transaction with credit amount of money limit.

13. the method according to claim 11, in addition to：

Obtain the terminal positional information reported based on described client the last time for indexing the user account login that mark is pointed to Above call time；

According to the bill time with getting the time difference called time, positional information and the acquisition of merchant transaction management system are judged To the range difference of terminal positional information whether meet change in location difference corresponding to the time difference, if meeting, it is determined that described Bill information meets security strategy.

14. according to the method for claim 1, the condition includes：The credit scoring of user account is more than or equal to scoring threshold Value.

15. according to the method for claim 1, the index mark of the user account is dynamic change.

16. a kind of self-service vending machine, including：First acquisition module, first communication module, first sell module；

Wherein, first acquisition module, for gathering user biological feature；

The first communication module, for sending the biological characteristic to service end, so that service end judges the biological characteristic Whether the user account of binding has opened transaction with credit service, and receives service end and returned when it is determined that having opened transaction with credit service The index mark of the user account returned；

Described first sells module, for after the index mark is received, the purchase for responding user to be instructed and sold to user Sell corresponding kinds of goods；

The first communication module, is additionally operable to after end is sold, and sends the bill information for carrying the index mark to service End, so that service end performs bill payment operation based on the user account that the index mark is pointed to.

17. self-service sale device according to claim 16,

The first communication module, it is additionally operable to receive service end it is determined that the unbound any user account of the biological characteristic or institute The user account for stating biological characteristic binding does not open the error message returned during transaction with credit service；

The self-service sale device also includes：First reminding module；

First reminding module, for the miscue according to corresponding to error message generation.

18. self-service sale device according to claim 17,

First reminding module, is additionally operable to after miscue corresponding to generation, prompts user to enter using conventional payment mode Row bill payment.

19. a kind of management system of unmanned supermarket, including：Second acquisition module, second communication module, access control module, knot Calculate module；

Wherein, second acquisition module, for gathering user biological feature；

The second communication module, for sending the biological characteristic to service end, so that service end judges the biological characteristic Whether the user account of binding has opened transaction with credit service, and receives service end and returned when it is determined that having opened transaction with credit service The index mark of the user account returned；

The access control module, for after the second communication module receives the index mark, controlling the big of supermarket Door is opened, to allow user to enter；

The second communication module, it is additionally operable to the bill information being sent to service end, so that service end is based on the index The user account that mark is pointed to performs bill payment operation.

20. system according to claim 19,

Second acquisition module, it is additionally operable to when it is determined that user does not leave supermarket, stops collection user biological feature.

21. system according to claim 19,

The second communication module, it is additionally operable to receive service end it is determined that the unbound any user account of the biological characteristic or institute The user account for stating biological characteristic binding does not open the error message returned during transaction with credit service；

The system also includes：

Second reminding module, for the miscue according to corresponding to error message generation.

22. a kind of realization device of off-line transaction, applied to service end, including：

Judging unit is opened, judges whether the user account of the biological characteristic binding has opened transaction with credit service, the letter With transactional services be in the case where the credit information of the user account meets condition it is open-minded；

Index returning unit, however, it is determined that the user account has opened transaction with credit service, then by the index of the user account Mark returns to the merchant transaction management system；

Bill receiving unit, the bill information of merchant transaction management system upload is received, user is carried in the bill information The index mark of account；

23. device according to claim 22, in addition to：

Service release unit：Receive transaction with credit service opens request；

24. device according to claim 23, the service release unit is that the user account opens transaction with credit clothes Business, including：

Transaction with credit service mark is added for the user account；

It is described to open judging unit：Whether judge the user account of the biological characteristic binding has transaction with credit service mark；

25. device according to claim 23, the service release unit is that the user account opens transaction with credit clothes Business, including：

It is described to open judging unit：The user account of the biological characteristic binding is searched in the specified credit interchange；

26. device according to claim 25, the specified credit interchange is the letter of the corresponding user account location Use storehouse；

It is described to open judging unit：Gathering local letter corresponding to the merchant transaction management system location of the biological characteristic The user account bound with the biological characteristic is searched in storehouse；

27. device according to claim 22,

It is described to open judging unit, also it is determined that during the unbound any user account of the biological characteristic, to the merchant transaction Management system returns to error message.

28. device according to claim 22, in addition to：

Credit inspection unit, the letter for the user account for having opened transaction with credit service is checked by the way of the triggering of regular or event Whether meet the condition with information；

29. device according to claim 28,

The bill payment unit, also in bill payment success, update the user account according to bill payment information is positive Credit information；

The event triggering includes：The renewal of user account credit information.

30. device according to claim 22,

The bill payment unit, also when bill payment fails, failed message is sent to user；And/or

Bill payment failure number reach pre-determined number and reach pay the deadline do not pay yet when, user is added The negative list of credit.

31. device according to claim 22, in addition to：

Security check unit, before the user account pointed to based on the index mark performs bill payment operation, check institute State whether bill information meets security strategy；

The bill payment unit, when the bill information meets the security strategy, pointed to based on the index mark User account performs bill payment operation.

32. device according to claim 31, the security strategy includes：Send time and the bill of the biological characteristic The time difference of time is in time difference threshold value.

33. device according to claim 31, the security strategy includes：Billing amount meets that the index mark is pointed to User account the transaction with credit amount of money limit.

34. device according to claim 31, in addition to：

Position storage unit, preserve the terminal positional information that periodically reports of client logged in based on the user account and report Time；

The security check unit：

35. device according to claim 22, the condition includes：The credit scoring of user account is more than or equal to scoring threshold Value.

36. device according to claim 22, the index mark of the user account is dynamic change.

37. a kind of realization device of off-line transaction, including：

Processor；

For storing the memory of machine-executable instruction；

Wherein, realize that the corresponding machine of control logic can be held with off-line transaction by reading and performing the memory storage Row instruction, the processor are prompted to：