CN107392614B

CN107392614B - Method and device for realizing offline transaction

Info

Publication number: CN107392614B
Application number: CN201710499919.3A
Authority: CN
Inventors: 俞纹雯; 李浩荣; 王曦
Original assignee: Advanced New Technologies Co 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: 2021-03-23
Anticipated expiration: 2037-06-27
Also published as: CN107392614A; HK1247394A1

Abstract

The specification discloses a method and a device for realizing offline transaction. The method for realizing the offline transaction comprises the following steps: receiving user biological characteristics acquired by a merchant transaction management system; judging whether the user account bound by the biological characteristics opens credit transaction service or not, wherein the credit transaction service is opened under the condition that the credit information of the user account meets the condition; if the user account is determined to have opened credit transaction service, returning the index identification of the user account to the merchant transaction management system; receiving bill information uploaded by a merchant transaction management system, wherein the bill information carries an index identification of a user account; and executing bill payment operation based on the user account pointed by the index identification.

Description

Method and device for realizing offline transaction

Technical Field

The specification relates to the technical field of internet, in particular to a method and a device for realizing offline transaction.

Background

With the rapid development of internet technology, online entity merchants increasingly apply internet technology to solve problems in the production and operation processes, such as: and opening an electronic payment function, allowing a user to pay through a network after consumption, and the like. However, off-line entity merchants still face the problems of high labor cost, low profit, and the like.

Disclosure of Invention

In view of this, the present specification provides a method and an apparatus for implementing offline transactions.

Specifically, the description is realized by the following technical scheme:

a method for realizing offline transaction is applied to a server and comprises the following steps:

receiving user biological characteristics acquired by a merchant transaction management system;

judging whether the user account bound by the biological characteristics opens credit transaction service or not, wherein the credit transaction service is opened under the condition that the credit information of the user account meets the condition;

if the user account is determined to have opened credit transaction service, returning the index identification of the user account to the merchant transaction management system;

receiving bill information uploaded by a merchant transaction management system, wherein the bill information carries an index identification of a user account;

and executing bill payment operation based on the user account pointed by the index identification.

A self-service vending machine comprising: the system comprises a first acquisition module, a first communication module and a first selling module;

the first acquisition module is used for acquiring the biological characteristics of the user;

the first communication module is used for sending the biological characteristics to a server so that the server can judge whether a user account bound with the biological characteristics opens credit transaction service or not, and receives an index identification of the user account returned by the server when the credit transaction service is determined to be opened;

the first selling module is used for responding to a purchasing instruction of a user and selling a corresponding goods to the user after receiving the index identification;

and the first communication module is further used for sending the bill information carrying the index identifier to the server after the selling is finished so that the server can execute bill payment operation based on the user account pointed by the index identifier.

A management system for an unmanned supermarket, comprising: the system comprises a second acquisition module, a second communication module, an access control module and a settlement module;

the second acquisition module is used for acquiring the biological characteristics of the user;

the second communication module is used for sending the biological characteristics to the server so that the server can judge whether the user account bound with the biological characteristics opens the credit transaction service or not, and receives the index identification of the user account returned by the server when the credit transaction service is determined to be opened;

the access control module is used for controlling a gate of a supermarket to be opened to allow a user to enter after the second communication module receives the index identification;

the settlement module is used for generating bill information carrying the index identification after determining that the user leaves the store;

the second communication module is further configured to send the bill information to the server, so that the server performs a bill payment operation based on the user account pointed by the index identifier.

An apparatus for implementing offline transaction, applied to a server, includes:

the characteristic acquisition unit receives the user biological characteristics acquired by the merchant transaction management system;

the opening judging unit is used for judging whether the user account bound with the biological characteristics opens a credit transaction service or not, and the credit transaction service is opened under the condition that the credit information of the user account meets the condition;

the index returning unit is used for returning the index identification of the user account to the merchant transaction management system if the user account is determined to have opened credit transaction service;

the system comprises a bill receiving unit, a transaction processing unit and a transaction processing unit, wherein the bill receiving unit receives bill information uploaded by a merchant transaction management system, and the bill information carries an index identification of a user account;

and the bill payment unit is used for executing bill payment operation based on the user account pointed by the index identification.

An apparatus for implementing offline transactions, comprising:

a processor;

a memory for storing machine executable instructions;

wherein, by reading and executing machine-executable instructions stored by the memory corresponding to implementation control logic for an offline transaction, the processor is caused to:

It can be seen from the above description that, when the credit information satisfies the condition, the user can implement offline transaction through the biometric feature, and does not need to use a terminal device, which is convenient and fast. For the merchant, as the credit information of the user meets the condition, the user can subsequently request money through the user account index identification returned by the server, so that the user does not need to be supervised by investing manpower to pay or not, and a large amount of labor cost is saved.

Drawings

Fig. 1 is a flow chart illustrating a method for implementing an offline transaction according to an exemplary embodiment of the present disclosure.

Fig. 2 is a schematic flow chart of credit transaction service provisioning according to an exemplary embodiment of the present disclosure.

Fig. 3 is a flow chart illustrating another method for implementing an offline transaction according to an exemplary embodiment of the present disclosure.

Fig. 4 is a schematic diagram of a self-service vending machine shown in an exemplary embodiment of the present description.

Fig. 5 is a schematic structural diagram of an implementation apparatus for offline transactions according to an exemplary embodiment of the present disclosure.

Fig. 6 is a block diagram of an apparatus for implementing an offline transaction according to an exemplary embodiment of the present disclosure.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the specification, as detailed in the appended claims.

The terminology used in the description herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the description. As used in this specification and the appended claims, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It should be understood that although the terms first, second, third, etc. may be used herein to describe various information, these information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, the first information may also be referred to as second information, and similarly, the second information may also be referred to as first information, without departing from the scope of the present specification. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

Referring to fig. 1, the method for implementing the offline transaction can be applied to a server, and includes the following steps:

step 102, receiving the user biological characteristics collected by the merchant transaction management system.

In this embodiment, the merchant transaction management system is generally deployed by an off-line physical merchant, and includes a biometric acquisition device capable of acquiring a biometric of a user. The biometric features may include: fingerprints, palm prints, face images, irises, and the like.

After the merchant transaction management system collects the biological characteristics of the user, the collected biological characteristics can be uploaded to the server through network transmission modes such as wired transmission, wireless transmission and the like. Taking the palm print as an example, after the user places the palm print, the merchant transaction management system can acquire characteristic information of the palm print, such as a main line, wrinkles, triangular points, minutiae and the like. Taking a human face as an example, the merchant transaction system may acquire human face feature information. And the merchant transaction management system uploads the acquired characteristic information of the biological characteristics to the server.

And 104, judging whether the user account bound by the biological characteristics has opened credit transaction service or not, wherein the credit transaction service is opened under the condition that the credit information of the user account meets the condition.

And step 106, if the user account is determined to have opened credit transaction service, returning the index identification of the user account to the merchant transaction management system.

In this embodiment, the index identifier of the user account may be a user account ID, or may also be a temporary account ID having a corresponding relationship with the user account, and the like, which is not limited in this embodiment.

And step 108, receiving bill information uploaded by the merchant transaction management system, wherein the bill information carries the index identification of the user account.

In this embodiment, after the entity merchant of the user online performs consumption behaviors such as shopping and dining, the merchant transaction management system may carry the bill amount generated by the consumption behavior of the user this time and the index identifier of the user account in bill information and send the bill information to the server, where the bill information generally further includes: billing time, billing number, etc.

And 110, executing bill payment operation based on the user account pointed to by the index identification.

Based on the foregoing step 108, after receiving the billing information, the user account pointed by the user account index identifier may be searched, and then a bill payment operation is performed based on the searched user account, for example: and deducting the bill amount in the user account to pay to the merchant.

The implementation process of the present specification is described below through two aspects of the opening of the credit transaction service and the offline transaction based on the credit transaction service.

Opening credit transaction service

Referring to fig. 2, the provisioning of the credit transaction service may include the following steps:

in step 202, an opening request of a credit transaction service is received.

In this embodiment, the user may initiate an opening request of the credit transaction service through client software (APP) loaded in the terminal device, or the user may initiate an opening request of the credit transaction service through a browser of the PC.

Step 204, judging whether the credit information of the user account initiating the opening request meets the condition.

Based on the foregoing step 202, after receiving the opening request of the credit transaction service, the service end may determine whether the credit information of the user account initiating the opening request meets a preset condition, for example: and judging whether the credit score of the user account is greater than or equal to a preset score threshold value. The scoring threshold may be set in advance by a developer. Generally, the higher the credit score of a user account, the better the credit representing the user, and the lower the probability of user default, fraud.

And step 206, if the credit information of the user account meets the condition, opening credit transaction service for the user account, and binding the biological characteristics uploaded based on the user account with the user account.

Based on the determination result in the foregoing step 204, when the credit information of the user account satisfies the condition, a credit transaction service may be opened for the user account, and the user is prompted to upload the biometric features for using the credit transaction service.

After the user uploads the biometric characteristic for using the credit transaction service, the server may bind the biometric characteristic with the user account number, such as: and binding the characteristic information of the biological characteristics with the account identification of the user account, and the like.

In one example, the credit transaction service may be enabled by adding indicia of the credit transaction service to the user account. Wherein, the credit transaction service mark can be a specific character, a character string and the like. For example, a credit transaction service flag may be set for each user account, where the initial value of the flag may be 0, and is used to indicate that a credit transaction service is not opened, and when a credit transaction service is opened for a certain user account, the flag may be changed from 0 to 1, and 1 represents a credit service flag, which indicates that a credit transaction service is opened.

In another example, the provision of the credit transaction service may be achieved by saving the binding between the biometric and the user account number to a designated credit repository. The credit library can be implemented as a database, a data table, or the like. Such as: the server side can be provided with a credit library, and when the credit transaction service is opened, the binding relationship between the biological characteristics uploaded by the user and the user account can be stored in the credit library. For another example: the server side can set a credit library for each region, and when the credit transaction service is opened, the binding relationship between the biological characteristics uploaded by the user and the user account can be stored in the credit library of the region where the user account is located, so that the binding relationships of different regions can be stored in different credit libraries, and the efficiency of subsequent query is improved. The division principle of the region may be provincial division, city division, and the like, which is not particularly limited in this embodiment.

In this embodiment, the credit information of the user account generally changes with the use condition of the user account, and the server may check, in a regular or event-triggered manner, whether the credit information of the user account still satisfies the condition for the user account with which the credit transaction service has been opened. If the condition is still met, the opening state of the credit transaction service of the user account can be maintained; if the condition is not met, the credit transaction service of the user account can be closed, such as: and changing the credit transaction service flag bit of the user account from 1 to 0, or deleting the binding relationship between the user biological characteristics and the user account in a specified credit library, and the like. Wherein, the checking period can be set by a developer, such as: 1 month, 2 months, etc. The event trigger may include: updating the credit information of the user account, such as: when the credit information of the user account is updated, whether the credit information of the user account still meets the condition or not can be checked.

In this embodiment, if it is determined that the credit information of the user account does not satisfy the condition, the credit transaction service is not opened for the user account, for example: and maintaining the value of the credit transaction service flag bit to be 0, and the like. The server side can also return the result that the credit information does not meet the condition and the method for improving the credit information for the reference of the user.

Second, off-line transaction based on credit transaction service

Based on the embodiment shown in fig. 1, in an example, taking the biometric feature uploaded when the user opens the credit transaction service as a palm print, please refer to fig. 3, the process of using the credit transaction service by the user online may include:

step 301, the user inputs a palm print in the merchant transaction management system.

In this embodiment, the user may input his/her palm print in the palm print acquiring device provided by the merchant transaction management system.

Step 302, the merchant transaction management system sends the collected palm print to the server.

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

In this embodiment, for different implementation manners of the credit transaction service provisioning, it may be determined whether the user has provisioned the credit transaction service in different manners corresponding to the sampling.

Aiming at the realization mode of adding the credit transaction service mark for the user account, the service end can check the value of the credit transaction service flag bit of the user account bound with the palm print, and if the value is 0, the user can be determined not to open the credit transaction service; if the value is 1, the credit transaction service can be determined to be opened.

Aiming at the implementation mode of storing the binding relationship between the biological characteristics and the user account number into the designated credit library, if the designated credit library is a globally unique credit library, whether the palm print bound user account number exists can be inquired in the credit library, and if the bound user account number is found, the user can be determined to have opened credit transaction service; if the bound user account is not found, it can be determined that the credit transaction service is not opened.

If the designated credit bank is the credit bank corresponding to the area where the user account is located, the area where the merchant transaction management system is located can be determined, and then the user account bound with the palm print is searched in the local credit bank corresponding to the area where the merchant transaction management system is located. For example, if the merchant transaction management system is in the state of hang, considering that the probability of the user performing the offline transaction at the location of the user is higher, the user account number bound to the palm print may be preferentially searched in the state of hang local credit repository, so as to improve the search rate. If not, the account-bound user account number can be searched in a credit bank at other places except Hangzhou. If the user account bound to the palm print is not found after all other credit banks are found, it can be determined that the user does not open the credit transaction service.

In this embodiment, when determining the user account number bound to the palm print, the feature information of the palm print sent by the merchant transaction management system may be matched with the palm print feature bound to each user account number, and if the feature information of the palm print is matched with the palm print feature bound to each user account number, the user account number bound to the palm print may be determined. In this embodiment, the matching of the palm print may be performed based on palm print recognition calculations such as point feature and line feature of the palm print, texture feature, subspace analysis, and hierarchical feature fusion, which is not particularly limited in this embodiment.

In another example, taking the biometric feature as a face as an example, the face matching algorithm may be: an Eigenface algorithm (Eigenface), a Local Binary pattern algorithm (LBP), etc., which is not limited in this embodiment. Optionally, before the face matching is performed, the face living body recognition may be performed first. The face living body identification can adopt various modes, such as an active face living body detection technology and a passive face living body detection technology. The active human face living body detection technology requires a user to complete specific living body actions such as blinking, turning, mouth opening and the like according to instructions when performing human face recognition, so that the living body detection module can judge whether an operator is a living body according to whether the operator accurately completes the living body actions. The passive human face living body detection technology does not need a user to complete living body actions in a matching mode, user experience is good, but technical difficulty is high, and living body detection is mainly carried out by means of input single-frame image information or other equipment sensor information. For example, a single deep learning model is supervised-trained by using face acquisition images of living bodies and non-living bodies, and then face living body prediction is performed on an input single-frame image by using the trained model. In addition, the living human face detection can be carried out by utilizing two deep learning models.

In addition, if the service end determines that the palm print is not bound with any user account, the service end can also determine that the user does not open credit transaction service.

Step 304, after the server determines that the user has opened the credit transaction service, the server returns the index identifier of the user account to the merchant transaction management system.

In one example, the server may return the ID of the user account as its index identifier to the merchant transaction management system.

In another example, to ensure the security of the user account, the server may dynamically generate an index identifier of the user account and return the index identifier to the merchant transaction management system, such as: the server may generate a random number or a temporary account number binding the user account number, and then return the random number or the temporary account number to the merchant transaction management system. The random code or the temporary account number corresponds to a preset failure duration, such as: and after the preset failure duration is reached, removing the binding relationship between the random code or the temporary account and the user account for 6 hours, 12 hours and the like.

At step 305, the merchant transaction management system allows the user to freely purchase and leave the store after the purchase.

In this embodiment, after receiving the index identifier of the user account returned by the server, the merchant transaction management system may determine that the user has opened the credit transaction service, and further may allow the user to consume, for example: the gate of the merchant store is controlled to be opened, so that the user leaves the store after consumption, and whether the user pays or not does not need to be manually monitored.

Step 306, the merchant transaction management system sends the bill information consumed by the user this time to the server, and the bill information carries the index identifier.

In this embodiment, after the user consumes, the merchant transaction management system may calculate the bill amount of the user consumed this time, and then carry information such as the bill amount and the index identifier of the user account in the bill information to send to the server.

In this embodiment, the merchant transaction management system may determine the bill amount of the user through video monitoring, timing and the like, which is not limited in this embodiment.

The service end performs a bill payment operation based on the user account pointed to by the index identification, step 307.

Based on the foregoing step 306, after receiving the billing information sent by the merchant transaction management system, the user account pointed by the index identifier carried in the billing information may be searched, and then, based on the searched user account, a billing payment operation is performed, for example: and deducting the bill amount based on the user account, and paying the deducted bill amount to an account number bound by the merchant transaction management system and the like.

In this embodiment, the bill payment operation generally occurs after the user is away from the store, and in order to ensure the security of the account number of the user, before the bill payment operation is performed, the server may check whether the bill information uploaded by the merchant transaction management system conforms to a preset security policy, and if so, may perform the bill payment operation; if the bill is not matched, the bill payment operation can be suspended, the bill information is sent to the user account pointed by the index identification to be confirmed by the user, if the bill is confirmed by the user, the payment operation can be executed, if the bill is objected by the user, the merchant can be requested to confirm the bill, and the like, so that the property safety of the user is ensured.

In one example, the security policy may include: the time difference between the time when the merchant transaction management system sends the user palm print and the billing time is within the time difference threshold, wherein the time difference threshold can be set by developers according to consumption scenes. Generally, the time period for the user to consume after inputting the palm print is usually within a certain time period, such as: the dining time of the user usually does not exceed 3 hours, and the shopping time of the user in the supermarket usually does not exceed 2 hours and the like. If the time difference between the time of sending the user palm print and the bill time by the merchant transaction management system exceeds the time difference threshold, the bill is possibly abnormal, the bill payment operation can be suspended for ensuring the fund security of the user, and the bill information is sent to the user for confirmation.

In another example, the security policy may further include: the bill amount satisfies the credit transaction amount limit of the user account pointed to by the index identification, wherein the limited credit transaction amount can be set by the user, such as: the user may set a limited credit transaction amount after opening the credit transaction service. For example, assuming that the credit transaction amount set by the user is 500 yuan, if the bill amount does not exceed 500 yuan, the bill payment operation may be performed; if the bill amount exceeds 500 yuan, the bill payment operation can be suspended, and the bill information is sent to the user for confirmation.

In another example, the security policy may be associated with a location of the user terminal. Based on the embodiments shown in fig. 1 and fig. 3, the user can realize terminal-less offline transaction by using the credit transaction service, and in practical applications, the user can carry terminal devices such as a mobile phone and the like with him even if the user realizes the offline transaction by using the terminal-less credit transaction service. In this example, the client software interacting with the server may periodically report the location information of the terminal, and the client software may log in based on the user account. After receiving the location information reported by the client, the server may store the corresponding relationship between the location information and the reporting time, where the period for reporting the location information by the client may be set by a developer, for example: 1 hour, 2 hours, etc.

Referring to an example of table 1, table 1 shows location information and reporting time reported by client software loaded in a terminal device of user 1. The client software logs in based on the user account 1 of the user 1.

Reporting time	Location 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 in table 1, after receiving the billing information sent by the merchant transaction management system, the server may obtain the billing time, assuming that the billing time is 2017/6/1912: 42:28, and the index carried in the billing information indicates that the index points to the user account 1, the time that the server may obtain the last reported position information of the client logged in by the user account 1 is 2017/6/1912: 00:00, and the time difference from the billing time is 42 minutes to 28 seconds. The position reported by the client at the last time is position 3, the server can calculate the distance difference between the position 3 and the position of the merchant transaction management system, and if the position 3 is located in Beijing and the position of the merchant transaction management system is located in third, the user 1 cannot reach third from the Beijing within 42 minutes and 28 seconds, so that the distance difference between the position information of the merchant transaction management system and the obtained terminal position information does not accord with the position change difference corresponding to the time difference, the bill information can be determined to be abnormal, the bill payment operation can be suspended to ensure the fund safety of the user, and the bill information is sent to the user for confirmation.

In practical application, the security detection may be performed by combining the three security policies, or may also be performed by using one or any two of the security policies, or of course, may also be performed by using other security policies, which is not limited in this embodiment.

And 308, after the bill payment is successful, the server side updates the credit information of the user account in the positive direction according to the bill payment information.

In this embodiment, if the bill payment is successful, the credit information of the user account may be updated in the forward direction, for example, a credit event of the user is recorded; for example, correspondingly increasing the credit score of the user account number. In practical implementation, the credit information may be updated after the bill payment is successful, or the credit information may be updated when the update time point of the credit information is reached, which is not limited in this embodiment.

In another example, after the bill payment fails, the server may send a payment failure message to the user, such as: pushing a message of payment failure to the user account pointed by the index identifier, wherein a client logged in based on the user account can display the message of payment failure, such as: the client may present a message "you fail to deduct the bill for the store consumption at 2017-5-18, click to pay again" on the home page. Based on the presented payment failure message, the user may manually resume payment.

Optionally, if the user does not manually make a payment again within a predetermined time limit, the server may try an automatic payment again, for example: a deduction is attempted again after 24 hours.

Of course, the server may try automatic payment several times after the bill payment fails, and if all the bills fail, the server may send a message of payment failure to the user, which is not limited in this embodiment.

In this example, if the number of bill payment failures reaches a predetermined number, such as: 3 times, 5 times and the like, and when payment still fails to be paid after reaching the payment deadline, the server side can update the credit information of the user negatively, and can add the user to a credit negative list, such as: the user is added to the credit blacklist. Wherein, the payment deadline can be set by a merchant, such as: 10 days, 15 days, etc. Optionally, the server may also provide the credit negative list to merchants, enterprises, and the like in need, so as to assist the relevant merchants and enterprises in reducing risks.

It can be seen from the above description that after the credit transaction service is opened, the user can implement the offline transaction through the biological characteristics, and does not need to use the terminal device, which is convenient and fast. For the merchant, the payment can be subsequently requested through the user account index identification returned by the server, so that the user does not need to be supervised by investing manpower to pay, and a large amount of labor cost is saved.

The offline transaction implementation scheme described in the embodiment shown in fig. 1 or fig. 3 can be applied to scenes such as a self-service vending machine, an unmanned supermarket, a self-service KTV and the like. The following description will be given taking a self-service vending machine and an unmanned supermarket as examples.

One, self-service vending machine

In one example, when a user purchases goods in the self-service vending machine, the user may select the goods to be purchased first, the self-service vending machine may output the amount of money consumed by the user this time, the user may pay in various manners such as cash, a bank card, a third-party payment platform, and the like, and after the payment is successful, the self-service vending machine may release the goods selected by the user.

In another example, referring to fig. 4, a self-service vending machine may include a first collection module, a first communication module, and a first vending module.

The first acquisition module can be a biological characteristic acquisition module and is used for acquiring the biological characteristics of the user.

In this example, still taking the palm print as an example, when a user purchases goods in the self-service vending machine, the user may input the palm print of the user through the first acquisition module, the first communication module may send the palm print to the server, if the server determines that the user account bound to the palm print has opened the credit transaction service and returns the index identifier of the user account, the vending module may allow the user to select the goods, after the user selects the goods, the vending module puts in the corresponding goods, and the user takes up the goods and can leave.

For the self-service vending machine, the first communication module can send corresponding bill information to the server, and the bill information carries the index identification of the user account returned by the server and the bill amount of the goods. The server side can execute bill payment operation based on the user account pointed by the index identification.

Optionally, in order to ensure that a user who does not open credit transaction service can also use the self-service vending machine, the self-service vending machine may be further provided with a first prompting module, and the first prompting module may include a display screen. And the server side can return an error message when determining that the user palm print is not bound with any user account or the user account bound with the user palm print is not provided with the credit transaction service. The first prompting module may generate a corresponding error prompt based on the error message, and in addition, the first prompting module may also prompt the user to perform bill payment in a conventional payment manner, for example: the user is allowed to select and purchase goods first, the payment is prompted to the user after the selection, and the corresponding goods are released after the payment is successful, and the like.

Second, unmanned supermarket

In this example, a merchant may deploy an unmanned supermarket at an airport, office building, or the like and deploy a management system for the unmanned supermarket. The management system may include: the system comprises a second acquisition module, a second communication module, an access control module and a settlement module. The second acquisition module is used for acquiring the biological characteristics of the user, and the second acquisition module can be arranged outside the door of the unmanned supermarket. Taking the palm print as an example, a palm print acquisition device (a second acquisition module) can be arranged at the door of the unmanned supermarket, when a user wants to enter the unmanned supermarket, the user can input the own palm print, the second communication module of the unmanned supermarket can upload the acquired palm print to the server, and if the server determines that the credit transaction service is opened for the user account bound by the palm print, the index identification of the user account is returned. The entrance guard control module can control the entrance of the unmanned supermarket to be opened after the second communication module receives the index identification, so that the user is allowed to enter the supermarket to selectively buy goods. The user can freely select and purchase goods in the unmanned supermarket, and can leave the supermarket after the selection and purchase are finished.

In this example, the settlement module is configured to generate, according to the bill amount, bill information carrying the index identifier. Specifically, the merchant may deploy the monitoring device at the door, and when it is detected that the user leaves the unmanned supermarket, for example: a user opens a gate in an unmanned supermarket, goods purchased by the user can be determined through the monitoring device, and then the bill amount related to the shopping behavior of the user is calculated. Of course, the merchant may also determine the bill amount related to the current shopping behavior of the user in other manners, such as: the manner in which the user scans the product code, etc., and this embodiment does not limit this.

In this example, after generating the billing information, the second communication module may send the billing information to the server. The server side can execute bill payment operation based on the user account pointed by the index identification.

In the process, the user can realize offline transaction through the palm print, and the user does not need to carry terminal equipment, so that the method is convenient and quick. For merchants, the selling and settlement of goods do not need to be carried out by manpower, and the labor cost is greatly saved.

In another example, when a user is shopping in an unmanned supermarket, other users can be prevented from entering the supermarket. Specifically, the second acquisition module is further configured to stop acquiring the user biological characteristics when it is determined that the user does not leave the supermarket, so that the second communication module cannot receive the index identifier sent by the server, and the access control module cannot control the opening of the door of the supermarket. The judgment mode that the user leaves the store can be that the gate of the unmanned supermarket is opened by internal triggering, for example: after shopping is finished, the user presses the door opening button in the unmanned supermarket, so that the door can be controlled to be opened, and the user is determined to leave the shop. Of course, other ways of determining whether the user is away from the store may be used, such as: video surveillance, etc., and the present embodiment is not particularly limited thereto.

Optionally, the management system of the unmanned supermarket may further be provided with a second prompting module, and the second prompting module may include a display screen. And the server side can return an error message when determining that the user palm print is not bound with any user account or the user account bound with the user palm print is not provided with the credit transaction service. The second prompting module may generate a corresponding error prompt based on the error message, such as: and outputting 'you do not open credit payment service yet, please open first' and the like in a display screen.

Similar to an unmanned supermarket, the self-help KTV can also be realized in the above manner, and the description is omitted here.

Corresponding to the foregoing embodiments of the method for implementing offline transactions, the present specification also provides embodiments of an apparatus for implementing offline transactions.

The embodiment of the device for realizing the offline transaction can be applied to the server. The device embodiments may be implemented by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, as a logical device, the device is formed by reading corresponding computer program instructions in the nonvolatile memory into the memory for operation through the processor of the server where the device is located. In terms of hardware, as shown in fig. 5, a hardware structure diagram of a server where an implementation apparatus for offline transaction in this embodiment is located is shown, except for the processor, the memory, the network interface, and the nonvolatile memory shown in fig. 5, the server where the apparatus is located in this embodiment may also include other hardware according to the actual function of the server, which is not described again.

Referring to fig. 6, the apparatus 500 for implementing offline transaction can be applied to the server shown in fig. 5, and includes: the system comprises a feature acquisition unit 501, an opening judgment unit 502, an index return unit 503, a bill receiving unit 504, a bill payment unit 505, a service opening unit 506, a credit check unit 507, a security check unit 508 and a location saving unit 509.

The feature acquisition unit 501 receives a user biometric feature acquired by the merchant transaction management system;

an opening judgment unit 502, configured to judge whether the biometric-bound user account has opened a credit transaction service, where the credit transaction service is opened when credit information of the user account meets a condition;

an index returning unit 503, configured to return an index identifier of the user account to the merchant transaction management system if it is determined that the user account has opened the credit transaction service;

a bill receiving unit 504, configured to receive bill information uploaded by a merchant transaction management system, where the bill information carries an index identifier of a user account;

and a bill payment unit 505 that performs a bill payment operation based on the user account pointed to by the index identification.

Service provisioning unit 506: receiving an opening request of a credit transaction service;

judging whether the credit information of the user account initiating the opening request meets the condition;

and if the credit information of the user account meets the condition, opening credit transaction service for the user account, and binding the biological characteristics uploaded based on the user account with the user account.

Optionally, the service provisioning unit 506 provisions a credit transaction service for the user account, including:

adding a credit transaction service mark for the user account;

the opening determination unit 502: judging whether the user account number bound by the biological characteristics has a credit transaction service mark or not;

and if the credit transaction service mark exists, determining that the user account number bound by the biological characteristics opens the credit transaction service.

storing the binding relationship between the biological characteristics uploaded by the user account and the user account into a specified credit library;

the opening determination unit 502: searching the user account number bound by the biological characteristics in the appointed credit library;

and if the bound user account is found, determining that the credit transaction service is opened by the user account bound by the biological characteristics.

Optionally, the designated credit library is a credit library corresponding to a region where the user account is located;

the opening determination unit 502: searching a user account bound with the biological characteristics in a local credit library corresponding to the region where the merchant transaction management system collecting the biological characteristics is located;

if the bound user account is not found, searching the user account bound by the biological characteristics in a credit library except the local credit library;

and if the bound user account is not found, determining that the credit transaction service is not opened by the user account bound by the biological characteristics.

Optionally, the activation determining unit 502 further returns an error message to the merchant transaction management system when it is determined that the biometric feature is not bound to any user account.

A credit checking unit 507, which checks whether the credit information of the user account number with opened credit transaction service satisfies the condition in a regular or event-triggered manner;

and if the condition is not met, closing the credit transaction service of the user account.

Optionally, the bill payment unit 505 is further configured to forward update the credit information of the user account according to the bill payment information when the bill payment is successful;

the event trigger includes: and updating the credit information of the user account.

A security check unit 508, configured to check whether the bill information conforms to a security policy before performing a bill payment operation based on the user account pointed to by the index identifier; if the bill information does not accord with the security policy, suspending bill payment operation and sending the bill information to the user account pointed by the index identification for confirmation by the user;

and the bill payment unit 505 executes a bill payment operation based on the user account pointed by the index identifier when the bill information conforms to the security policy.

Optionally, the bill payment unit 505 sends a failure message to the user when the bill payment fails; and/or and add the user to the credit negative list when the number of bill payments failed reaches a predetermined number of times and the payment due date is not yet paid.

Optionally, the security policy includes: the time difference between the time the biometric was sent and the billing time is within a time difference threshold.

Optionally, the security policy includes: the billing amount satisfies a credit transaction amount limit for the user account to which the index identification points.

A location saving unit 509, configured to save terminal location information and reporting time that are periodically reported by a client logged in based on the user account;

the security check unit 508:

acquiring terminal position information and reporting time reported last time by a client logged in based on the user account pointed by the index identifier;

and judging whether the distance difference between the position information of the merchant transaction management system and the obtained terminal position information accords with the position change difference corresponding to the time difference or not according to the time difference between the bill time and the obtained reporting time, and if so, determining that the bill information accords with a safety strategy.

Optionally, the conditions include: the credit score of the user account number is greater than or equal to a score threshold.

Optionally, the index identifier of the user account is dynamically changed.

The implementation process of the functions and actions of each unit in the above device is specifically described in the implementation process of the corresponding step in the above method, and is not described herein again.

For the device embodiments, since they substantially correspond to the method embodiments, reference may be made to the partial description of the method embodiments for relevant points. The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution in the specification. One of ordinary skill in the art can understand and implement it without inventive effort.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.

Corresponding to the foregoing implementation example of the offline transaction, the present specification further provides an implementation apparatus of the offline transaction, including: a processor and a memory for storing machine executable instructions. Wherein the processor and the memory are typically interconnected by means of an internal bus. In other possible implementations, the device may also include an external interface to enable communication with other devices or components.

In this embodiment, the processor is caused to:

Optionally, when the credit transaction service is opened, the processor is caused to:

receiving an opening request of a credit transaction service;

Optionally, when opening a credit transaction service for the user account, the processor is caused to:

adding a credit transaction service mark for the user account;

in determining whether the biometric-bound user account number has opened credit transaction services, the processor is caused to:

judging whether the user account number bound by the biological characteristics has a credit transaction service mark or not;

searching the user account number bound by the biological characteristics in the appointed credit library;

searching a user account bound with the biological characteristics in a local credit library corresponding to the region where the merchant transaction management system collecting the biological characteristics is located;

Optionally, the processor is further caused to:

and if the biological characteristics are determined not to be bound with any user account, returning an error message to the merchant transaction management system.

Optionally, the processor is further caused to:

checking whether the credit information of the user account number with the opened credit transaction service meets the condition or not in a mode of regular or event triggering;

Optionally, the processor is further caused to:

if the bill payment is successful, updating the credit information of the user account in the forward direction according to the bill payment information;

Optionally, the processor is further caused to:

if the bill payment fails, sending a message of payment failure to the user; and/or

If the number of bill payments failed reaches a predetermined number of times and no payment has been made by the payment due date, the user is added to the credit negative list.

Optionally, the processor is further caused to:

checking whether the bill information conforms to a security policy before performing a bill payment operation based on the user account pointed to by the index identification;

if the bill information conforms to the security policy, executing bill payment operation based on the user account pointed by the index identification;

and if the bill information does not accord with the security policy, suspending bill payment operation, and sending the bill information to the user account pointed by the index identifier for confirmation by the user.

Optionally, the processor is further caused to:

saving terminal position information and reporting time which are reported periodically by a client logged in based on the user account;

upon checking whether the billing information complies with a security policy, the processor is caused to:

Optionally, the index identifier of the user account is dynamically changed.

In correspondence with the foregoing embodiments of the method for implementing an offline transaction, the present specification also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of:

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

receiving an opening request of a credit transaction service;

Optionally, the opening of the credit transaction service for the user account includes:

adding a credit transaction service mark for the user account;

the step of judging whether the user account bound by the biological characteristics opens credit transaction service comprises the following steps:

Optionally, the method further includes:

the checking whether the billing information conforms to a security policy includes:

Optionally, the index identifier of the user account is dynamically changed.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The above description is only a preferred embodiment of the present disclosure, and should not be taken as limiting the present disclosure, and any modifications, equivalents, improvements, etc. made within the spirit and principle of the present disclosure should be included in the scope of the present disclosure.

Claims

1. A method for realizing offline transaction is applied to a server and comprises the following steps:

performing bill payment operation based on the user account pointed by the index identification;

if the condition is not met, closing the credit transaction service of the user account;

the conditions include: the credit score of the user account number is greater than or equal to a score threshold.

2. The method of claim 1, the provisioning process for the credit transaction service comprising:

receiving an opening request of a credit transaction service;

3. The method of claim 2, the opening of the credit transaction service for the user account number comprising:

adding a credit transaction service mark for the user account;

4. The method of claim 2, the opening of the credit transaction service for the user account number comprising:

5. The method of claim 4, wherein the designated credit bank is a credit bank corresponding to a region in which the user account is located;

6. The method of claim 1, further comprising:

7. The method of claim 1, further comprising:

8. The method of claim 1, further comprising:

9. The method of claim 1, further comprising:

and if the bill information conforms to the security policy, executing bill payment operation based on the user account pointed by the index identification.

10. The method of claim 9, the security policy comprising: the time difference between the time the biometric was sent and the billing time is within a time difference threshold.

11. The method of claim 9, the security policy comprising: the billing amount satisfies a credit transaction amount limit for the user account to which the index identification points.

12. The method of claim 9, further comprising:

13. The method of claim 1, wherein the index identification of the user account is dynamically changed.

14. A self-service vending machine comprising: the system comprises a first acquisition module, a first communication module and a first selling module;

the first communication module is further configured to send bill information carrying the index identifier to the server after the selling is finished, so that the server performs bill payment operation based on the user account pointed by the index identifier;

the service end checks whether the credit information of the user account number with the opened credit transaction service meets the condition or not in a mode of regular or event triggering;

15. The self-service vending machine of claim 14,

the first communication module is further used for receiving an error message returned by the server when the server determines that the biological characteristic is not bound with any user account or the user account bound with the biological characteristic is not provided with credit transaction service;

the self-service vending machine further comprises: a first prompt module;

and the first prompt module is used for generating a corresponding error prompt according to the error message.

16. The self-service vending machine of claim 15,

the first prompt module is further used for prompting the user to pay the bill in a traditional payment mode after generating the corresponding error prompt.

17. A management system for an unmanned supermarket, comprising: the system comprises a second acquisition module, a second communication module, an access control module and a settlement module;

the second communication module is further configured to send the bill information to the server, so that the server performs a bill payment operation based on the user account pointed by the index identifier;

18. The system of claim 17, wherein the first and second sensors are arranged in a single unit,

the second acquisition module is further used for stopping acquiring the biological characteristics of the user when the user is determined not to leave the supermarket.

19. The system of claim 17, wherein the first and second sensors are arranged in a single unit,

the second communication module is further used for receiving an error message returned by the server when the server determines that the biological characteristic is not bound with any user account or the user account bound with the biological characteristic is not provided with credit transaction service;

the system further comprises:

and the second prompt module is used for generating a corresponding error prompt according to the error message.

20. An apparatus for implementing offline transaction, applied to a server, includes:

the bill payment unit is used for executing bill payment operation based on the user account pointed by the index identification;

the credit checking unit is used for checking whether the credit information of the user account number with the opened credit transaction service meets the condition or not in a regular or event-triggered mode;

21. The apparatus of claim 20, further comprising:

a service opening unit: receiving an opening request of a credit transaction service;

22. The apparatus of claim 21, the service provisioning unit provisioning credit transaction service for the user account, comprising:

adding a credit transaction service mark for the user account;

the opening judgment unit: judging whether the user account number bound by the biological characteristics has a credit transaction service mark or not;

23. The apparatus of claim 21, the service provisioning unit provisioning credit transaction service for the user account, comprising:

the opening judgment unit: searching the user account number bound by the biological characteristics in the appointed credit library;

24. The apparatus of claim 23, wherein the designated credit bank is a credit bank corresponding to a region in which the user account is located;

the opening judgment unit: searching a user account bound with the biological characteristics in a local credit library corresponding to the region where the merchant transaction management system collecting the biological characteristics is located;

25. The apparatus as set forth in claim 20, wherein,

and the opening judgment unit is also used for returning an error message to the merchant transaction management system when the biological characteristics are determined not to be bound with any user account.

26. The apparatus as set forth in claim 20, wherein,

the bill payment unit is also used for updating the credit information of the user account in the forward direction according to the bill payment information when the bill payment is successful;

27. The apparatus as set forth in claim 20, wherein,

the bill payment unit is also used for sending a failure message to the user when the bill payment fails; and/or

The user is added to the credit negative list when the number of bill payment failures reaches a predetermined number and the payment due date is reached without payment.

28. The apparatus of claim 20, further comprising:

the security check unit is used for checking whether the bill information conforms to a security policy before executing bill payment operation based on the user account pointed by the index identification;

and the bill payment unit executes bill payment operation based on the user account pointed by the index identification when the bill information conforms to the security policy.

29. The apparatus of claim 28, the security policy comprising: the time difference between the time the biometric was sent and the billing time is within a time difference threshold.

30. The apparatus of claim 28, the security policy comprising: the billing amount satisfies a credit transaction amount limit for the user account to which the index identification points.

31. The apparatus of claim 28, further comprising:

the position storage unit is used for storing terminal position information and reporting time which are reported periodically by the client logged in based on the user account;

the security check unit:

32. The apparatus of claim 20, the index identification of the user account is dynamically changing.

33. An apparatus for implementing offline transactions, comprising:

a processor;

a memory for storing machine executable instructions;