CN113807830A - Aggregation payment method and device used in double off-line scene, receiving end and payment end - Google Patents

Aggregation payment method and device used in double off-line scene, receiving end and payment end Download PDF

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Publication number
CN113807830A
CN113807830A CN202110375287.6A CN202110375287A CN113807830A CN 113807830 A CN113807830 A CN 113807830A CN 202110375287 A CN202110375287 A CN 202110375287A CN 113807830 A CN113807830 A CN 113807830A
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payment
verification
identification information
offline
mode
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刘高峰
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Individual
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

Abstract

The invention discloses an aggregation payment method and device, a receiving end and a payment end used in a double-off-line scene. The method comprises the following steps: the receiving end provides a plurality of verification interfaces, each verification interface provides a verification mode of one payment mode of a plurality of double off-line payment modes, each verification interface calls the verification mode corresponding to the verification interface to verify when receiving an off-line payment certificate, merchant identification information included in the off-line payment certificate is provided for the payment end by the receiving end, and therefore the payment end includes the merchant identification information in the generated off-line payment certificate, and the off-line payment certificate passes through the verification of the receiving end. In a double-off-line scene, the method can integrate multiple double-off-line payment modes on a receiving end; for the payment end, different payment ends can be triggered to complete the payment process of the digital assets by using the same input information, so that the operation of the payment end is simplified, and the use experience of a user is improved.

Description

Aggregation payment method and device used in double off-line scene, receiving end and payment end
[ technical field ] A method for producing a semiconductor device
The invention relates to the technical field of digital assets, in particular to an aggregation payment method, an aggregation payment device, a receiving end and a payment end for a double-off-line scene.
[ background of the invention ]
Digital assets refer to assets that exist in the form of electronic data, such as virtual assets, digital currency, electronic currency, and the like. In the network payment service of the digital assets, it is a common situation that at least one of a payment end (such as a payer device) and a receiving end (such as a payee device) can communicate with a digital asset server (such as a registration center and a payment center) in real time and send a request for paying the digital assets or receiving the digital assets to the digital asset server, and the digital asset server transfers the digital assets in real time according to the received request.
The double off-line scene refers to a scene when the payment end and the receiving end can not communicate with the digital asset server end in real time, for example, a running airplane, a remote mountain area or a ship in public sea or an underground mall without network signal coverage, a large dining room with tens of thousands of people eating at the same time to cause network payment jam, a communication network or the digital asset server end has a fault, and the like, so that the payment end and the receiving end can not communicate with the digital asset server end in real time. Accordingly, a dual offline payment refers to a payment made in a dual offline scenario.
With the rapid advance of digital asset services in the fields of finance, payment and the like, for example, pay-bank, wechat payment, central bank digital currency, various bank payment services and the like, there is a need and necessity for implementing dual offline payment, and therefore, for dual offline payment methods of pay-bank, wechat payment, central bank digital currency, various bank payment services and the like, in order to simplify the operation of a payment end and a receiving end and improve the use experience, it is necessary to provide the aggregated payment capability in a dual offline scene, and integrate multiple dual offline payment methods.
It is important to note that the above background information is only used to enhance an understanding of the background of the present invention and, thus, may include prior art information that does not constitute a part of the present disclosure as known to one of ordinary skill in the art.
[ summary of the invention ]
The present invention mainly aims to provide an aggregation payment method, an aggregation payment device, a receiving end and a payment end for use in a dual offline scenario, so as to solve one or more technical problems caused by limitations and defects of related technologies at least to a certain extent, and the method includes the following technical solutions:
in a first aspect, an aggregate payment method for use in a dual offline scenario is provided, and is applied to a payment terminal, where the method includes:
sending a payment request to a receiving end through a local area network so that the receiving end acquires preset merchant identification information;
receiving the preset merchant identification information returned by the receiving end;
generating an offline payment certificate, wherein the offline payment certificate comprises the preset merchant identification information and corresponding digital assets;
and sending the offline payment certificate to a verification interface corresponding to the receiving end through a local area network, so that the corresponding verification interface calls a corresponding verification mode to perform verification when receiving the offline payment certificate, and after verifying that the offline payment certificate is legal, the payment of the payment end is determined to be successful, wherein the corresponding verification interface is a verification interface corresponding to the payment end.
Preferably, the corresponding digital assets include:
a digital asset in the form of a balance, or a digital asset in the form of a string of characters.
Preferably, if the receiving end provides support for multiple merchants, the payment request further includes a mapping character string, so that the receiving end acquires the mapping character string and acquires merchant identification information of a corresponding merchant according to the mapping character string.
Preferably, the sending the offline payment credential to the verification interface corresponding to the receiving end through the local area network includes:
presetting the address of the corresponding verification interface in the payment terminal, and sending the offline payment certificate to the corresponding verification interface according to the preset address; alternatively, the first and second electrodes may be,
and the step of receiving the preset merchant identification information returned by the receiving end further comprises receiving a verification interface address returned by the receiving end, and sending the offline payment certificate to the corresponding verification interface according to the verification interface address.
Preferably, the sending the payment request to the receiving end through the local area network further includes:
the payment request also comprises payment identification information of the payment terminal, so that the receiving terminal acquires the payment identification information from the payment request; alternatively, the first and second electrodes may be,
and when the payment request is sent, the client identification information of the payment end is also carried, so that the receiving end acquires the payment identification information according to the client identification information.
Preferably, the merchant identification information includes:
a terminal device identification, a chip card identification, a cell phone number, an account number, a digital certificate, a public key, an address generated based on a public key, or other information that may be used to uniquely determine a digital asset receiving account.
Preferably, the generating the offline payment credential further comprises:
and digitally signing the information to be signed to generate a signature value, wherein the offline payment certificate also comprises the signature value, and the information to be signed comprises the corresponding digital asset.
Preferably, the information to be signed further includes:
the preset merchant identification information.
In a second aspect, a method for aggregating payment methods in a dual offline scenario is provided, where the method is applied to a receiving end, and the receiving end aggregates multiple dual offline payment methods, where each payment method has a verification method corresponding to each payment method, and the method includes:
when a payment request sent by a payment terminal through a local area network is received, acquiring preset merchant identification information and returning the preset merchant identification information to the payment terminal, so that the payment terminal comprises the preset merchant identification information and corresponding digital assets in a generated offline payment certificate;
providing a plurality of verification interfaces, wherein each verification interface corresponds to a verification mode of one payment mode in the plurality of double off-line payment modes respectively, if the off-line payment voucher is received, the verification mode corresponding to the verification interface is called for verification, and after the off-line payment voucher is verified to be legal, the payment of the payment terminal is determined to be successful;
wherein, the verification mode corresponding to each payment mode comprises the following steps:
a merchant verification mode, specifically, acquiring merchant identification information included in the offline payment credential, acquiring merchant identification information corresponding to the verification mode, determining whether the corresponding merchant identification information is consistent with the included merchant identification information, and if so, determining that the verification is passed;
and if the implemented verification modes all determine that the verification is passed, determining that the offline payment voucher is legal.
Preferably, the corresponding digital assets include:
a digital asset in the form of a balance, or a digital asset in the form of a string of characters.
Preferably, if the receiving end registers the same merchant identification information on the service end corresponding to each payment method, the method includes:
the receiving end presets the same merchant identification information;
the acquiring of the preset merchant identification information includes: acquiring the same merchant identification information;
the acquiring of the merchant identification information corresponding to the verification method includes: and acquiring the same merchant identification information as the corresponding merchant identification information.
Further, if the receiving end registers the same merchant identification information on the service end corresponding to each payment method, and the receiving end provides support for multiple merchants, the method further includes:
the receiving end presetting the same merchant identification information comprises: pre-establishing a corresponding relation between the mapping character string and the same merchant identification information;
the payment request also comprises a mapping character string, and the mapping character string is obtained;
the acquiring of the preset merchant identification information includes: and acquiring corresponding merchant identification information through the corresponding relation according to the mapping character string.
Preferably, if the merchant identification information registered by the receiving end on the service end corresponding to each payment method is different, the method includes:
the acquiring of the preset merchant identification information includes: pre-establishing a corresponding relation between payment identification information and merchant identification information, acquiring the payment identification information according to the payment request, and acquiring corresponding merchant identification information according to the payment identification information through the corresponding relation;
the acquiring of the merchant identification information corresponding to the verification method includes: and acquiring the merchant identification information corresponding to the verification mode as the corresponding merchant identification information, wherein each verification mode is preset with the corresponding merchant identification information.
Further, if the merchant identification information registered by the receiving end on the service end corresponding to each payment method is different, and the receiving end provides support for multiple merchants, the method further includes:
the receiving end pre-establishes a corresponding relationship between the payment identification information and the merchant identification information, and comprises the following steps: pre-establishing a corresponding relation among the mapping character string, the payment identification information and the merchant identification information;
the payment request also comprises a mapping character string, and the mapping character string is obtained;
the acquiring of the preset merchant identification information includes: and acquiring corresponding merchant identification information according to the mapping character string and the payment identification information through the corresponding relation.
Preferably, the acquiring the preset merchant identification information and returning to the payment terminal further includes:
acquiring payment identification information according to the payment request;
and acquiring a corresponding verification interface address according to the payment identification information, and returning the verification interface address to the payment end, so that the payment end sends the generated offline payment certificate to a corresponding verification interface according to the verification interface address.
Preferably, the obtaining payment identification information according to the payment request includes:
the payment request comprises payment identification information of the payment terminal, and the payment identification information is obtained from the payment request; alternatively, the first and second electrodes may be,
and acquiring the payment identification information according to client identification information carried by the payment terminal when sending the payment request.
Preferably, the providing a plurality of verification interfaces includes providing a first verification interface and a second verification interface, wherein:
the first verification interface corresponds to a first verification mode, and if the offline payment certificate is received, the first verification mode is called to carry out verification, and the first verification mode is a verification mode for verifying the offline payment certificate of the first payment mode;
the second verification interface corresponds to a second verification mode, and if the offline payment certificate is received, the second verification mode is called to verify, and the second verification mode is a verification mode for verifying the offline payment certificate of the second payment mode.
Preferably, the verification method that each verification interface respectively corresponds to one payment method of the multiple dual offline payment methods includes: each verification interface is respectively corresponding to a verification SDK of one payment mode in the multiple double off-line payment modes; if the offline payment credential is received, invoking a verification mode corresponding to the verification interface for verification comprises: and if the offline payment certificate is received, calling a verification SDK corresponding to the verification interface for verification.
Preferably, the determining whether the corresponding merchant identification information is consistent with the included merchant identification information includes:
if the corresponding merchant identification information is one merchant identification information, comparing the corresponding merchant identification information with the included merchant identification information, and if the corresponding merchant identification information is consistent with the included merchant identification information, determining that the verification is passed; alternatively, the first and second electrodes may be,
if the corresponding merchant identification information includes a plurality of merchant identification information, comparing the plurality of merchant identification information with the included merchant identification information, respectively, and if any one of the merchant identification information is consistent with the included merchant identification information, determining that the verification is passed.
Preferably, the merchant identification information includes:
a terminal device identification, a chip card identification, a cell phone number, an account number, a digital certificate, a public key, an address generated based on a public key, or other information that may be used to uniquely determine a digital asset receiving account.
Preferably, the verification method corresponding to each payment method further includes a corresponding digital signature verification method, specifically, the offline payment credential includes a signature value, the signature value is a signature value generated by the payment terminal performing a digital signature on information to be signed, the information to be signed includes the corresponding digital asset, and the offline payment credential is subjected to digital signature verification according to the signature value by using the corresponding digital signature verification method.
Preferably, the corresponding digital signature verification method includes:
and the corresponding digital signature verifies the related encryption algorithm, or/and the corresponding generation mode of the information to be verified, or/and the corresponding public key, or/and the corresponding root certificate, or/and the corresponding public parameter.
Preferably, after the determination that the payment is successful, the method further includes:
and sending the offline payment voucher to the server corresponding to the corresponding verification mode, so that the corresponding server transfers the digital assets according to the offline payment voucher.
Preferably, the sending the offline payment credential to the server corresponding to the corresponding verification mode includes:
the receiving end establishes network connection with the corresponding server end, and sends the offline payment certificate to the corresponding server end through a network; alternatively, the first and second electrodes may be,
and the receiving end synchronizes the offline payment certificate to the transfer equipment, so that the transfer equipment sends the offline payment certificate to the corresponding server through the network.
In a third aspect, an aggregate payment apparatus for use in a dual offline scenario is provided, the apparatus comprising:
a receiving module: the system comprises a payment server, a payment server and a payment server, wherein the payment server is used for receiving a payment request sent by a payment terminal through a local area network;
the merchant acquisition module is used for acquiring preset merchant identification information;
a returning module, configured to return the preset merchant identification information to the payment end, so that the payment end includes the preset merchant identification information and corresponding digital assets in the generated offline payment credential;
the first verification interface is used for receiving an offline payment certificate with a first payment mode and calling a first verification module to verify when the offline payment certificate with the first payment mode is received;
the verification module I is used for verifying the offline payment certificate of the payment mode I, and specifically comprises a first merchant verification unit, wherein the offline payment certificate of the payment mode I comprises merchant identification information, the first merchant verification unit is used for acquiring the included merchant identification information and corresponding merchant identification information, judging whether the corresponding merchant identification information is consistent with the included merchant identification information, if so, determining that the verification is passed, and when the verification unit included in the verification module I determines that the verification is passed during execution, determining that the offline payment certificate of the payment mode I is legal;
the verification interface II is used for receiving the offline payment certificate with the payment mode II and calling the verification module II to verify when the offline payment certificate with the payment mode II is received;
the verification module II is used for verifying the offline payment certificate of the payment mode II, and specifically comprises a merchant verification unit II, wherein the offline payment certificate of the payment mode II comprises merchant identification information, the merchant verification unit II is used for acquiring the included merchant identification information and corresponding merchant identification information, judging whether the corresponding merchant identification information is consistent with the included merchant identification information, if so, determining that the verification is passed, and when the verification unit of the verification module II determines that the verification is passed during execution, determining that the offline payment certificate of the payment mode II is legal;
and the receiving module is used for determining that the payment of the payment terminal is successful after the verification module I or the verification module II determines that the offline payment certificate is legal.
Preferably, if the receiving end registers the same merchant identification information on the service end corresponding to the first payment method and the second payment method, the apparatus further includes a first storage unit, where:
the first storage unit is used for storing the same merchant identification information in advance;
the acquiring of the preset merchant identification information in the merchant acquiring module includes: acquiring the same merchant identification information from the first storage unit;
the acquiring of the corresponding merchant identification information in the first merchant acquiring unit includes: acquiring the same merchant identification information from the first storage unit;
the second merchant acquiring unit acquires corresponding merchant identification information, including: and acquiring the same merchant identification information from the first storage unit.
Preferably, if the receiving end registers different merchant identification information on the service end corresponding to the first payment method and the second payment method, where the merchant identification information registered by the receiving end on the service end corresponding to the first payment method is merchant identification information one, and the merchant identification information registered by the receiving end on the service end corresponding to the second payment method is merchant identification information two, the apparatus further includes a storage unit two, a storage unit three, and a storage unit four, where:
the second storage unit is used for pre-storing the corresponding relationship between the payment identification information and the merchant identification information, wherein the corresponding relationship between the first storage payment identification information and the merchant identification information and the corresponding relationship between the second storage payment identification information and the merchant identification information are included;
the acquiring of the preset merchant identification information in the merchant acquiring module includes: acquiring payment identification information according to the payment request, and acquiring corresponding merchant identification information in the storage unit II according to the corresponding relation of the payment identification information, wherein the acquired merchant identification information is the merchant identification information I when the payment identification information is the payment identification information I, and the acquired merchant identification information is the merchant identification information II when the payment identification information is the payment identification information II;
the third storage unit is used for storing the first merchant identification information;
the acquiring of the corresponding merchant identification information in the first merchant verification unit includes: acquiring the first merchant identification information from the third storage unit;
the fourth storage unit is used for storing the second merchant identification information;
the second merchant verification unit obtains corresponding merchant identification information, including: and acquiring the second merchant identification information from the fourth storage unit.
Preferably, the apparatus further comprises:
the acquisition identification module is used for acquiring payment identification information according to the payment request;
and the address acquisition module is used for acquiring a corresponding verification interface address according to the payment identification information and returning the verification interface address to the payment end, so that the payment end sends the generated offline payment certificate to the corresponding verification interface according to the verification interface address.
Preferably, the acquiring and identifying module includes:
the first acquisition identification unit is used for acquiring the payment identification information from the payment request, wherein the payment request comprises the payment identification information of the payment terminal; alternatively, the first and second electrodes may be,
and the acquisition identification unit II is used for acquiring the payment identification information according to client identification information carried by the payment terminal when the payment request is sent.
Preferably, the first verification module further comprises:
and the first signature verification unit is used for performing digital signature verification on the offline payment certificate according to the signature value if the offline payment certificate further comprises the signature value which is generated by digitally signing the information to be signed by the payment end, and the information to be signed comprises the corresponding digital asset, wherein the verification mode of the digital signature verification is a digital signature verification mode corresponding to the first payment mode, and the first payment end is the payment end of the first payment mode.
Preferably, the second verification module further includes:
a second signature verification unit, configured to perform digital signature verification on the offline payment credential according to a signature value generated by digitally signing information to be signed by a payment end pair if the offline payment credential further includes the signature value, where the information to be signed includes the corresponding digital asset, and the verification manner of the digital signature verification is a digital signature verification manner corresponding to the second payment manner, and the second payment end is a payment end of the second payment manner;
preferably, the apparatus further comprises:
and the sending module is used for sending the determined legal offline payment certificate to a server corresponding to a verification module for verifying the offline payment certificate after the acceptance module determines that the payment of the payment terminal is successful, so that the corresponding server transfers the digital assets according to the offline payment certificate, wherein the sending module specifically comprises the steps of sending the offline payment certificate to the first server when the first verification module determines the legal offline payment certificate, and sending the offline payment certificate to the second server when the second verification module determines the legal offline payment certificate.
In a fourth aspect, a payment end device comprises a processor and a memory, the processor is configured to execute a program stored in the memory, and the program executes to perform the method according to the first aspect.
A sink device comprising a processor and a memory, the processor being configured to execute a program stored in the memory, the program executing a method according to the second aspect.
An aggregated payment system, characterized in that the system comprises an apparatus as described in the third aspect above.
A storage medium having stored therein a program for implementing the method of the first aspect above, or a program for implementing the method of the second aspect above.
In summary, the technical solution provided by the present invention is applied to a dual offline scenario, where a receiving end provides a plurality of verification interfaces, each verification interface provides a verification method of one payment method of multiple dual offline payment methods, and each verification interface calls a verification method corresponding to the verification interface to perform verification when receiving an offline payment credential, where merchant identification information included in the offline payment credential is provided to the payment end by the receiving end, so that the payment end includes the merchant identification information in the generated offline payment credential, and the offline payment credential passes through the verification of the receiving end. The technical effect brought by the method can be that a plurality of double off-line payment modes can be integrated on the receiving end; for the payment end, the user or the application server is not required to provide the merchant identification information for the payment end, and different payment ends can be triggered to complete the payment process of the digital assets by using the same input information, so that the operation of the payment end is simplified, and the use experience of the user is improved.
[ description of the drawings ]
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a schematic block diagram of an implementation environment in accordance with the present invention;
FIG. 2 is a flowchart of a first embodiment of an aggregate payment method for use in a dual offline scenario;
FIG. 3 is a flowchart of a second embodiment of an aggregate payment method for use in a dual offline scenario;
FIG. 4 is a flowchart of a third embodiment of an aggregate payment method for use in a dual offline scenario;
FIG. 5 is a schematic structural diagram of a first embodiment of an aggregation payment device for use in a dual offline scenario;
FIG. 6 is a schematic structural diagram of a second embodiment of an aggregation payment device used in a dual offline scenario;
FIG. 7 is a schematic structural diagram of a third embodiment of an aggregation payment device for use in a dual offline scenario;
FIG. 8 is a schematic structural diagram of a fourth embodiment of an aggregation payment device used in a dual offline scenario;
FIG. 9 is a schematic structural diagram of a fifth embodiment of an aggregation payment device for use in a dual offline scenario;
fig. 10 is a schematic structural diagram of a sixth embodiment of an aggregation payment device used in a dual offline scenario.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
[ detailed description ] embodiments
In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Description of an embodiment
Referring to fig. 1, a schematic diagram of an implementation environment according to the present invention is shown, in which:
the receiving end is a receiving end of the digital asset, and is configured to receive offline payment of the payment end, and is configured to aggregate multiple dual offline payment methods, such as a dual offline payment method that aggregates payment treasures, WeChat payment, digital money in the Central department, various bank payment services, and the like, and may also be understood as a receiving end that is configured to support multiple payment methods or payment channels that can be used in a dual offline scenario. The receiving end may be a software program, or may be a device implemented by a combination of software and hardware, for example, a device such as a smart phone, a point of sale (POS), a PC (personal computer), a server, a smart television, a tablet computer, a notebook computer, or the like, or other devices with a communication function.
The payment end refers to a payment end of the digital assets and is used for off-line payment to the receiving end. The payment terminal can be a software program, such as a payment client terminal program; the device may also be a device implemented by combining software and hardware, for example, the device may be a user terminal device such as a smart phone, a smart television, a tablet computer, a notebook computer, or the like, or a wearable terminal device such as a smart watch, a smart bracelet, or the like, or another device with a communication function.
For multiple double off-line payment methods aggregated by a receiving end, each payment method has a corresponding service end and payment end, for example, a service end and payment end (or called client) where a payment treasure has a payment treasure, a service end and payment end (or called client) where a wechat payment has a wechat payment, a service end and payment end where a digital currency in a central bank has a digital currency in a central bank, and the like. As shown in fig. 1, in an example, a payment end connected to a receiving end includes a first payment end and a second payment end, and a server connected to the receiving end includes a first server and a second server, where the first payment end and the first server are a payment end and a server corresponding to a first payment mode, and the second payment end and the second server are a payment end and a server corresponding to a second payment mode, it can be understood that, in an actual implementation process, the receiving end may further aggregate more payment modes such as a third payment mode, a fourth payment mode, a fifth payment mode, and correspondingly, each payment mode has a corresponding server and a payment end.
Information transmission between a payment end (for example, a payment end one or a payment end two shown in fig. 1) and a receiving end is realized through a local area network, specifically, under an environment where the payment end and the receiving end cannot communicate with the internet in real time, the local area network is established in the environment, the payment end and the receiving end access the local area network, and the payment end and the receiving end communicate with each other through the local area network.
Information transmission between a receiving end and a server (for example, a server one or a server two as shown in fig. 1) may be performed by establishing a network connection between the receiving end and the server to implement direct information transmission, where the network may be the internet or a dedicated network; or the receiving end can realize indirect information transmission with the server end through the transit equipment.
It should be noted that the implementation environment configuration shown in fig. 1 is not limited to the implementation environment, and may include more or less components than those shown, or some components may be combined, or a different arrangement of components may be used, as will be appreciated by those skilled in the art. The implementation environment configuration shown in fig. 1 is only for enhancing understanding of the present technology and thus may include prior art information that does not constitute a known art to those of ordinary skill in the art.
Second, embodiment one of aggregation payment method used in double offline scenes
Referring to fig. 2, a flowchart of a first embodiment of an aggregate payment method for a dual offline scenario according to the present invention is shown. The embodiment is exemplified by applying the method to the payment terminal in the implementation environment shown in fig. 1, and the method may include:
step 201, sending a payment request to a receiving end through a local area network, so that the receiving end obtains preset merchant identification information.
And 202, receiving the preset merchant identification information returned by the receiving end.
And 203, generating an offline payment certificate, wherein the offline payment certificate comprises the preset merchant identification information and the corresponding digital assets.
And 204, sending the offline payment certificate to a verification interface corresponding to the receiving end through a local area network, so that the corresponding verification interface calls a corresponding verification mode to verify when receiving the offline payment certificate, and after verifying that the offline payment certificate is legal, determining that the payment of the payment end is successful, wherein the corresponding verification interface is a verification interface corresponding to the payment end.
According to the implementation process, the embodiment of the invention does not need the user or the application server to provide the merchant identification information for the payment terminal, and different payment terminals can be triggered to complete the payment process of the digital assets by using the same input information, so that the operation of the payment terminal is simplified, and the use experience of the user is improved.
Third, an embodiment of an aggregate payment method for use in a dual offline scenario
Please refer to fig. 3, which shows a flowchart of a second embodiment of the aggregate payment method for a dual offline scenario according to the present invention. This embodiment is exemplified by applying the method to the receiving end in the implementation environment shown in fig. 1, where the method may include:
step 301, when a payment request sent by a payment terminal through a local area network is received, acquiring preset merchant identification information and returning the preset merchant identification information to the payment terminal, so that the payment terminal includes the preset merchant identification information and corresponding digital assets in a generated offline payment certificate.
Step 302, providing a plurality of verification interfaces, wherein each verification interface corresponds to a verification mode of one payment mode of the plurality of double off-line payment modes, if the off-line payment certificate is received, the verification mode corresponding to the verification interface is called for verification, and after the off-line payment certificate is verified to be legal, the payment at the payment end is determined to be successful.
Wherein, the verification mode corresponding to each payment mode comprises the following steps:
a merchant verification mode, specifically, acquiring merchant identification information included in the offline payment credential, acquiring merchant identification information corresponding to the verification mode, determining whether the corresponding merchant identification information is consistent with the included merchant identification information, and if so, determining that the verification is passed;
and if the implemented verification modes all determine that the verification is passed, determining that the offline payment voucher is legal.
Therefore, the implementation process can be known that, in the embodiment of the present invention, the receiving end provides the merchant identification information to the payment end, so that the payment end includes the merchant identification information in the generated offline payment credential, the receiving end provides a plurality of verification interfaces, each verification interface provides a verification method of one payment method of a plurality of dual offline payment methods, each verification interface calls the verification method corresponding to the verification interface to perform verification when receiving the offline payment credential, and since the merchant identification information included in the offline payment credential is provided to the payment end by the receiving end, verification can be passed when performing verification by using the merchant verification method, so that the receiving end can effectively integrate the plurality of dual offline payment methods.
Fourth, an embodiment of an aggregate payment method for use in a dual offline scenario
Please refer to fig. 4, which shows a flowchart of a third embodiment of an aggregate payment method for a dual offline scenario according to the present invention. The embodiment is an embodiment formed by combining the first embodiment and the second embodiment of the aggregation payment method for the dual offline scenario. This embodiment is illustrated by applying the method to the implementation environment shown in fig. 1, where the method may include:
and step 401, the payment end sends a payment request to the receiving end through the local area network.
The payment end sends the payment request to the receiving end through the local area network, and in the actual implementation process, the payment end can be triggered to send the payment request to the receiving end through the local area network in various ways. Taking the example of establishing a local area network in an environment where a running airplane and the like cannot communicate with the internet in real time, for example, a crew presents a graphic code to a passenger, and the passenger uses a payment terminal to scan and analyze the graphic code to trigger the payment terminal to send a payment request to a receiving terminal through the local area network, it can be understood that the graphic code can be a two-dimensional code or a bar code, or other graphics capable of acquiring information thereof in a scanning and decoding manner; for another example, the receiving end is a server for receiving offline payment in the local area network, the application server is a server for providing application services (such as shopping and viewing) in the local area network, when a passenger accesses the application server by using a computer terminal installed on a seat, the passenger triggers to purchase corresponding services, the application server returns corresponding service information (such as payment amount required for purchasing the corresponding services) to the computer terminal, and the computer terminal displays the graphic code according to the corresponding service information, so that the passenger uses the payment end to scan and analyze the graphic code to trigger the payment end to send a payment request to the receiving end through the local area network; for example, the passenger accesses the local area network using his mobile terminal, and when accessing the application server, triggers purchasing of a corresponding service, the application server returns corresponding service information to the mobile terminal, and the mobile terminal invokes a corresponding payment terminal (e.g., a payment client program) running on the mobile terminal, and transmits the corresponding service information to the payment terminal through local inter-process communication, thereby triggering the payment terminal to send a payment request to the receiving terminal through the local area network.
Optionally, if the receiving end provides support for multiple merchants, a mapping string may be further included in the payment request, where the mapping string is used to map the merchant identification information of the corresponding merchant on the receiving end. It is understood that, in the above-mentioned graphic code or the corresponding service information, a mapping character string for the corresponding merchant may be included, so that the payment terminal may obtain the mapping character string from the above-mentioned graphic code or the corresponding service information and include the mapping character string in the payment request.
It can be understood that, in the above-mentioned graphic code or the corresponding service information, a request address may also be included, so that the payment terminal sends the payment request to the receiving terminal through the local area network according to the request address.
It can be understood that the payment end may be the first payment end or the second payment end as shown in fig. 1, and for convenience of description, only one of the payment ends is taken as an example for description in this embodiment.
Accordingly, the receiving end receives the payment request through the local area network.
And 402, the receiving end acquires preset merchant identification information.
The merchant identification information is mainly used for a receiving account when the server determines the transfer of the digital assets, and can be a terminal device identifier, a chip card identifier, a mobile phone number, an account number, a digital certificate, a public key, an address generated based on the public key or other information which can be used for uniquely determining the receiving account at the server.
For multiple double offline payment modes aggregated by the receiving end, the merchant identification information registered by the receiving end on the server corresponding to each payment mode may be the same, for example, the receiving end registers account numbers on the servers corresponding to each payment mode by using a mobile phone number, that is, the mobile phone number is the merchant identification information of the receiving end on the server corresponding to each payment mode, that is, the merchant identification information registered by the receiving end on the server corresponding to each payment mode is the same; for example, the registered account number of the receiving end on the first service end is "UserA", the registered account number of the second service end is "UserB", that is, the merchant identification information of the receiving end on the first service end and the second service end is "UserA" and "UserB", respectively.
The receiving end obtains the preset merchant identification information, which may include:
in the first obtaining mode, if the merchant identification information registered by the receiving end on the server corresponding to each payment mode is the same, that is, the same merchant identification information is registered by the receiving end on the server corresponding to each payment mode, and the same merchant identification information is preset by the receiving end, the receiving end obtains the preset merchant identification information. For example, the merchant identification information is information that the receiving end uses to determine the receiving account on the first service end, or information that the receiving end uses to determine the receiving account on the second service end, and then the receiving end obtains the merchant identification information and returns the merchant identification information to the payment end. Further, the receiving end may further provide support for a plurality of merchants, and specifically, the receiving end may pre-establish a mapping string corresponding to the merchant identification information, as described in step 401, where the payment request further includes the mapping string, and the receiving end obtains the corresponding merchant identification information according to the mapping string through the corresponding relationship, for example, the receiving end pre-establishes a corresponding relationship between the mapping string one and the merchant identification information "User 1", and establishes a corresponding relationship between the mapping string two and the merchant identification information "User 2", where the merchant identification information "User 1" is the same merchant identification information registered by the merchant one on the service end corresponding to each payment method, the merchant identification information "User 2" is the same merchant identification information registered by the merchant two on the service end corresponding to each payment method, and when the mapping string obtained from the payment request by the receiving end is a first mapping string, the merchant identification information obtained by the receiving end through the corresponding relationship is merchant identification information "User 1", and when the mapping character string obtained by the receiving end from the payment request is mapping character string two, the merchant identification information obtained by the receiving end through the corresponding relationship is merchant identification information "User 2".
And in the second acquisition mode, if the merchant identification information registered by the receiving end on the service end corresponding to each payment mode is different, and the receiving end is pre-established with the corresponding relationship between the payment identification information and the merchant identification information, acquiring the payment identification information according to the payment request, and acquiring the corresponding merchant identification information according to the payment identification information through the corresponding relationship. For example, the receiving end establishes a corresponding relationship between payment identification information "Pay 1" and merchant identification information "UserA", and establishes a corresponding relationship between payment identification information "Pay 2" and merchant identification information "UserB", wherein the payment identification information "Pay 1" is payment identification information of a first payment mode, the payment identification information "Pay 2" is payment identification information of a second payment mode, the merchant identification information "UserA" is merchant identification information registered by the receiving end on a first service end, the merchant identification information "UserB" is merchant identification information registered by the receiving end on a second service end, when the payment identification information acquired by the receiving end from the payment request is "Pay 1", the corresponding merchant identification information acquired by the receiving end through the corresponding relationship according to the payment identification information "Pay 1" is "UserA", and when the payment identification information acquired by the receiving end from the payment request is "Pay 2", the receiving end obtains the corresponding merchant identification information "UserB" through the corresponding relationship according to the payment identification information "Pay 2". Further, the receiving end may further provide support for a plurality of merchants, specifically, the receiving end pre-establishes a corresponding relationship between the payment identification information, the mapping character string and the merchant identification information, as described in step 401, the payment request further includes the mapping character string, the receiving end obtains the corresponding merchant identification information according to the payment identification information and the mapping character string through the corresponding relationship, for example, the receiving end pre-establishes a corresponding relationship between the mapping character string one, the payment identification information "Pay 1" and the merchant identification information "User 1A", and establishes a corresponding relationship between the mapping character string one, the payment identification information "Pay 2" and the merchant identification information "User 1B", where the merchant identification information "User 1A" is merchant identification information registered by the merchant one on the service end one, the merchant identification information "User 1B" is merchant identification information registered by the merchant one on the service end two, when the receiving end acquires the mapping character string I and the payment identification information 'Pay 1' from the payment request, the corresponding merchant identification information acquired by the receiving end through the corresponding relation according to the mapping character string I and the payment identification information 'Pay 1' is 'User 1A', and when the receiving end acquires the mapping character string I and the payment identification information 'Pay 2' from the payment request, the corresponding merchant identification information acquired by the receiving end through the corresponding relation according to the mapping character string I and the payment identification information 'Pay 2' is 'User 1B'; thus, the receiving end may also pre-establish a corresponding relationship between the mapping character string two, the payment identification information "Pay 1" and the merchant identification information "User 2A" for the merchant two, and establish a corresponding relationship between the mapping character string two, the payment identification information "Pay 2" and the merchant identification information "User 2B", where the merchant identification information "User 2A" is merchant identification information registered by the merchant two on the service end one, the merchant identification information "User 2B" is merchant identification information registered by the merchant two on the service end two, and so on, and thus, description is omitted here.
The payment identification information refers to identification information that can be used to identify a payment means, and for example, for a payment means one and a payment means two, the payment means one and the payment means two can be identified by the payment identification information "Pay 1" and "Pay 2", respectively. The receiving end obtains the payment identification information according to the payment request, and may include various embodiments, specifically including:
for example, the payment request includes payment identification information of the payment terminal, and the payment identification information is acquired from the payment request. Specifically, the payment request sent by the payment end includes payment identification information of the payment end, and the receiving end obtains the payment identification information from the payment request, for example, the payment identification information included in the payment request sent by the payment end i is payment identification information one, and the payment identification information included in the payment request sent by the payment end ii is payment identification information two, if the payment request is sent by the payment end i, the payment identification information obtained from the payment request by the receiving end is payment identification information one, and if the payment request is sent by the payment end ii, the payment identification information obtained from the payment request by the receiving end is payment identification information two.
For another example, when the payment request is sent by the payment terminal through the lan, the payment request also carries client identification information of the payment terminal, and the receiving terminal obtains the payment identification information according to the client identification information, for example, the userget (user agent) is a client identification information carried in a client such as a browser, and can identify an operating system and version used by the client, a CPU type, a browser and version, a browser language, a browser plug-in, and the like.
Further, the receiving end can also obtain the corresponding verification interface address according to the payment identification information, specifically, the receiving end establishes the corresponding relationship between the payment identification information and the verification interface address (such as the URL address), the receiving end obtains the corresponding verification interface address according to the payment identification information through the corresponding relationship, for example, the correspondence relationship between the payment identification information and the verification interface address established on the receiving end includes a correspondence relationship between the payment identification information one and the first URL address, and includes a correspondence relationship between the payment identification information two and the second URL address, and therefore, if the payment identification information acquired by the receiving end is payment identification information one, the acquired verification interface address is a first URL address, and if the payment identification information acquired by the receiving end is payment identification information II, the acquired verification interface address is a second URL address.
And 403, the receiving end returns the preset merchant identification information to the payment end.
And the receiving end returns the preset merchant identification information to the payment end, so that the payment end comprises the preset merchant identification information in the generated offline payment certificate.
Further, the receiving end returns the verification interface address to the payment end, so that the payment end sends the generated offline payment certificate to the corresponding verification interface according to the verification interface address.
Correspondingly, the payment end receives the preset merchant identification information returned by the receiving end, and further receives the verification interface address returned by the receiving end.
And step 404, the payment terminal generates an offline payment certificate, wherein the offline payment certificate comprises the preset merchant identification information and the corresponding digital assets.
And the payment terminal generates an offline payment certificate, wherein the offline payment certificate comprises the preset merchant identification information and the corresponding digital assets.
And after the payment end determines the payment amount to be paid to the receiving end, the payment end comprises the corresponding digital assets in the generated offline payment voucher according to the payment amount. For example, the digital asset in the embodiment of the present invention may be a balance-type digital asset, and if the payment end determines that the payment amount to be paid to the receiving end is 20, which is equivalent to that the payment end pays to the corresponding digital asset of the receiving end is 20, the payment end includes 20 in the generated offline payment credential; for another example, the digital asset in the embodiment of the present invention may also be a digital asset in the form of a character string, taking digital currency as an example, each different encrypted character string represents corresponding digital currency, and assuming that the payment end determines that the payment amount to be paid to the receiving end is 20, the payment end selects an encrypted character string with a face value of 20 as the corresponding digital asset from the digital assets currently available at the payment end, or selects a plurality of encrypted character strings with a face value sum of 20 as the corresponding digital asset, and includes the selected encrypted character string or strings in an offline payment credential generated by the payment end.
It can be understood that the payment end determines the payment amount to be paid to the receiving end, which may be input by the user, for example, the user of the payment end inputs the payment amount on the operation interface of the payment end; or the service information returned by the application server includes the payment amount required for purchasing the corresponding service; the payment amount may also be transmitted by the receiving end, for example, when the receiving end returns the preset merchant identification information to the payment end, the payment amount required to be paid by the payment end is also included.
The offline payment certificate comprises the preset merchant identification information, and is used for a receiving end to verify the validity of the offline payment certificate, and further, the offline payment certificate can comprise a signature value and the like, so that the receiving end can verify the validity of the offline payment certificate according to the signature value.
Specifically, in order to prevent the offline payment credential from being tampered, the payment terminal may further perform digital signature on key information in the offline payment credential to generate a signature value, that is, the offline payment credential may further include the signature value, that is, the payment terminal performs digital signature on information to be signed to generate a signature value, where the information to be signed includes corresponding digital assets in the offline payment credential, and further, the information to be signed may further include merchant identification information and other information.
It is understood that a digital signature refers to data appended to a data unit or a cryptographic transformation performed on a data unit that allows an authenticator (e.g., a receiving end or a server) of the data unit to verify the source and integrity of the data unit and to protect the data unit from being forged or repudiated.
In one implementation of digital signature, the signature value is generated by digitally signing with an asymmetric encryption algorithm, for example, the payment end performs hash calculation on the information to be signed with a hash algorithm to obtain a hash value (i.e., an information digest), and the payment end encrypts the hash value with a private key of the payment end to obtain an encryption result (i.e., a signature value).
The above steps 401 to 404 are a process in which the payment end obtains the merchant identification information to include the merchant identification information in the generated offline payment credential, and for the payment end, the user or the application server is not required to provide the merchant identification information to the payment end, and different payment ends can be triggered to complete the process by using the same input information, so that the operation of the payment end is simplified, and the user experience is improved, for example, the process can be completed by providing the same graphic code to different payment ends, and the process does not need to be completed by providing the graphic code one to the payment end one and providing the graphic code two to the payment end two, respectively; for another example, different payers can be triggered by the same service information to complete the process, and different service information does not need to be provided to different payers respectively to trigger the completion of the process.
And 405, the payment end sends the offline payment certificate to a verification interface corresponding to the receiving end through a local area network.
And the payment end sends the off-line payment certificate to a verification interface corresponding to the receiving end through a local area network, wherein the corresponding verification interface is a verification interface corresponding to the payment end. For example, the verification interface corresponding to the receiving end of the first payment end is a first verification interface, that is, the verification interface on the receiving end is a verification interface for receiving an offline payment credential sent by the payment end; the corresponding verification interface of the second payment end on the receiving end is a second verification interface, namely the second verification interface on the receiving end is a verification interface used for receiving the offline payment certificate sent by the second payment end; for another example, the corresponding verification interface on the receiving end of the payer client is a payer verification interface, that is, the payer verification interface on the receiving end is a verification interface for receiving the offline payment credential sent by the payer client; the corresponding verification interface on the receiving end of the wechat client is a wechat payment verification interface, namely the wechat payment verification interface on the receiving end is a verification interface for receiving an offline payment certificate sent by the wechat client.
Specifically, the payment terminal sends the off-line payment voucher to a corresponding verification interface of the receiving terminal through a local area network, wherein, the address of the corresponding verification interface can be preset in the payment terminal, and then the payment terminal can send the offline payment certificate to the corresponding verification interface according to the preset verification interface address, for example, a preset verification interface address of the payment terminal is address one, the address is the address of the verification interface I on the receiving end, the verification interface address preset by the payment end II is the address II, the second address is the address of the second verification interface on the receiving end, so that if the payment end is the first payment end, the offline payment credentials are sent to verification interface one according to the preset verification interface address (i.e. address one), if the payment terminal is the second payment terminal, the offline payment certificate is sent to the second verification interface according to a preset verification interface address (namely the second address); the address of the corresponding verification interface may also be, as described in steps 403 to 404, the receiving end returns the address of the verification interface to the payment end, the payment end sends the offline payment credentials to the corresponding verification interface according to the verification interface address, for example, if the payment end is the first payment end, in the above steps 403 to 404, the verification interface address received by the payment end from the receiving end is the first URL address, the first URL address is the address of the first verification interface on the receiving end, the payment end sends the off-line payment certificate to the first verification interface according to the first URL address, if the payment end is the second payment end, in the above steps 403 to 404, the verification interface address received by the payment end from the receiving end is the second URL address, and if the second URL address is the address of the verification interface II on the receiving end, the payment end sends the offline payment certificate to the verification interface II according to the second URL address.
Correspondingly, the receiving end receives and acquires the offline payment certificate sent by the payment end through the corresponding verification interface.
And 406, the corresponding verification interface on the receiving end calls a verification mode corresponding to the corresponding verification interface to perform verification when the offline payment certificate is received.
The receiving end in the embodiment of the invention is used for aggregating a plurality of double off-line payment modes, wherein each payment mode has a verification mode corresponding to each payment mode. The verification mode is a verification mode for performing offline verification on the offline payment voucher, and each payment mode has a verification mode corresponding to each payment mode because the offline payment voucher generated by each payment mode has corresponding difference. It can be understood that the payment method corresponding to the offline payment credential generated by the payment terminal of each payment method belongs to the payment method, for example, the payment method corresponding to the offline payment credential generated by the first payment terminal is the first payment method, and the payment method corresponding to the offline payment credential generated by the second payment terminal is the second payment method.
The receiving end provides a plurality of verification interfaces, wherein each verification interface corresponds to a verification mode of one payment mode of the multiple double off-line payment modes, and if the off-line payment certificate is received, the verification mode corresponding to the verification interface is called for verification, namely, when the off-line payment certificate is received by each verification interface, the verification mode corresponding to the verification interface is called for verifying the off-line payment certificate. For example, the receiving end provides a first verification interface and a second verification interface, where the first verification interface corresponds to a first verification mode, and if the offline payment credential is received, the first verification mode is called for verification, the first verification mode is a verification mode for verifying the offline payment credential of the first payment mode, the second verification interface corresponds to a second verification mode, and if the offline payment credential is received, the second verification mode is called for verification, and the second verification mode is a verification mode for verifying the offline payment credential of the second payment mode; for another example, taking the payment bank payment and the wechat payment as examples, the receiving end provides a payment bank verification interface and a wechat payment verification interface, when the payment bank verification interface receives an offline payment credential, the verification method of the payment bank is invoked to verify the offline payment credential, and when the wechat payment verification interface receives the offline payment credential, the verification method of the wechat payment is invoked to verify the offline payment credential.
It can be understood that the verification interface in the embodiment of the present invention refers to an interface through which the receiving end performs data interaction with the payment end through a network, and the receiving end receives the offline payment credential sent by the payment end through the verification interface and invokes a verification mode corresponding to the verification interface to verify the received offline payment credential. For example, the receiving end provides a plurality of URL (Uniform Resource Locator) addresses, each URL address is used for a different verification interface, and thus, the payment end sends the offline payment credential to the corresponding verification interface according to the URL address; for another example, in the above steps 402 to 403, the receiving end acquires the corresponding URL address according to the payment identification information and returns the URL address to the payment end, and in the above step 405, the payment end sends the offline payment credential to the corresponding verification interface according to the URL address.
It can be understood that the receiving end invokes the corresponding verification mode of the corresponding verification interface for verification when receiving the offline payment credential through the corresponding verification interface, or invokes the corresponding verification SDK of the corresponding verification interface for verification when receiving the offline payment credential. Specifically, each payment method issues an offline payment verification SDK (development kit) for its payment method, where the verification method corresponding to each verification interface is to call the verification SDK corresponding to the verification interface to implement, for example, a wechat payment issues a verification SDK for a wechat offline payment credential, a payer issues a verification SDK for a payer offline payment credential, and then the multiple verification SDKs are integrated on a receiving end, the verification method corresponding to the wechat payment verification interface is to call the verification SDK for the wechat offline payment credential to implement, and the verification method corresponding to the payer payment verification interface is to call the verification SDK for the payer offline payment credential to implement.
Specifically, the verification method corresponding to each payment method may include a plurality of specific verification methods, which may include:
and the merchant verification mode is used for acquiring merchant identification information contained in the offline payment certificate, acquiring merchant identification information corresponding to the verification mode, judging whether the corresponding merchant identification information is consistent with the included merchant identification information or not, and if so, determining that the verification is passed.
Specifically, for the offline payment credential to be verified, the offline payment credential includes merchant identification information, as described in step 404, the generated offline payment credential includes the preset merchant identification information, so that the receiving end obtains the merchant identification information included in the offline payment credential, and also can understand that the merchant identification information included in the offline payment credential and the merchant identification information corresponding to the verification manner are obtained, the receiving end compares the corresponding merchant identification information with the included merchant identification information, and if the two are consistent, it indicates that the offline payment credential belongs to the offline payment credential sent to the receiving end, but not the offline payment credentials sent to other receiving ends, and it determines that the verification passes; otherwise, the off-line payment voucher is not the off-line payment voucher sent to the receiving end, and the verification is determined not to pass.
It is understood that, in an actual implementation process, the corresponding merchant identification information may not be limited to one, and may also include a plurality of merchant identification information, so that the plurality of merchant identification information may be compared with the included merchant identification information, and if any one of the merchant identification information is consistent with the included merchant identification information, it is determined that the verification is passed. Further, the corresponding type of the merchant identification information may be determined, and the merchant identification information that is consistent with the type of the included merchant identification information may be determined from the plurality of merchant identification information, and then the merchant identification information and the merchant identification information are compared.
The above-mentioned obtaining of the merchant identification information corresponding to the verification method may include multiple embodiments:
for example, if the merchant identification information registered by the receiving end on the service end corresponding to each payment method is the same, the receiving end presets the same merchant identification information and acquires the preset merchant identification information as the corresponding merchant identification information.
For another example, if the merchant identification information registered by the receiving end on the service end corresponding to each payment method is different, the corresponding merchant identification information is set in the verification method corresponding to each payment method, so that the merchant identification information corresponding to the verification method obtained by the verification method corresponding to each payment method is the corresponding merchant identification information. For example, the first authentication manner presets corresponding merchant identification information as "UserA", and the second authentication manner presets corresponding merchant identification information as "UserB", where the merchant identification information "UserA" is merchant identification information registered by the receiving end on the first service end, and the merchant identification information "UserB" is merchant identification information registered by the receiving end on the second service end, if the first authentication interface invokes the first authentication manner to authenticate the received offline payment credential, the corresponding merchant identification information acquired by the first authentication manner is "UserA", and if the second authentication interface invokes the second authentication manner to authenticate the received offline payment credential, the corresponding merchant identification information acquired by the second authentication manner is "UserB".
It can be understood that, in the step 402, the receiving end acquires the preset merchant identification information, and the acquired preset merchant identification information should be consistent with the merchant identification information corresponding to the authentication manner acquired in this step, so that it can be determined that the corresponding merchant identification information is consistent with the included merchant identification information.
Further, the verification method corresponding to each payment method may further include a corresponding digital signature verification method, specifically, the offline payment credential includes a signature value, the signature value is a signature value generated by the payment terminal performing a digital signature on information to be signed, the information to be signed includes the corresponding digital asset, and the offline payment credential is subjected to digital signature verification according to the signature value by using the corresponding digital signature verification method.
As described in step 401, the payment terminal may further perform a digital signature on the information to be signed to generate a signature value, that is, the offline payment credential includes the signature value, so that the verification method corresponding to each payment method may further include a corresponding digital signature verification method, and the offline payment credential is subjected to digital signature verification according to the signature value by using the corresponding digital signature verification method.
It can be understood that, since each payment means may have different verification means of the digital signature, for example, the encryption algorithm related to the verification of the digital signature, the generation means of the information to be verified, the public key, the root certificate, the public parameter, and the like may all have different differences, the corresponding verification means of the digital signature included in the verification means corresponding to each payment means, the encryption algorithm related to the verification of the digital signature included in the verification means, or/and the generation means of the information to be verified, or/and the public key, or/and the root certificate, or/and the public parameter, and the like, all correspond to this payment means, so that the verification of the digital signature of the offline payment credential may be performed. For example, the digital signature verification mode corresponding to the first verification mode is a first digital signature verification mode, the encryption algorithm related to digital signature verification included in the first digital signature verification mode, or/and the generation mode of the information to be verified, or/and the public key, or/and the root certificate, or/and the public parameter, etc. all correspond to the digital signature mode of the first payment mode, that is, correspond to the digital signature mode of the first payment terminal in generating the offline payment certificate, the digital signature verification mode corresponding to the second verification mode is a second digital signature verification mode, the encryption algorithm related to digital signature verification included in the second digital signature verification mode, or/and the generation mode of the information to be verified, or/and the public key, or/and the root certificate, or/and the public parameter, etc. all correspond to the digital signature mode of the second payment mode, that is, the digital signature mode of the off-line payment certificate generated by the second payment terminal is corresponding to the second payment terminal.
Specifically, for the offline payment credential to be verified, the offline payment credential includes the signature value, as described in step 404, the generated offline payment credential further includes the signature value, and accordingly, the corresponding digital signature verification method includes:
and generating information to be verified in the same generation mode as that of the information to be signed generated by the payment terminal, so that the generated information to be verified is the same as that of the information to be signed generated by the payment terminal. It can be understood that the generated information to be verified at least includes the corresponding digital asset, and if the information to be signed generated by the payment end further includes the merchant identification information or/and other information, the generated information to be verified also includes the merchant identification information or/and the same other information, so that the generated information to be verified is the same as the information to be signed generated by the payment end;
and acquiring a public key of the payment terminal, decrypting the signature value by using the public key to obtain a decryption result (namely an information digest), performing hash calculation on the information to be verified by using the same hash algorithm to obtain a hash value (namely a verification value), comparing whether the decryption result (namely the information digest) is the same as the verification value, if so, determining that the digital signature passes verification, otherwise, determining that the verification does not pass.
The public key of the payment end can be obtained in various ways, for example, when the payment end digitally signs the information to be signed Based on a private key generated by an IBC (Identity-Based Cryptograph), and payment end identification information is used as the public key of the payment end, the offline payment certificate includes the payment end identification information, and then the receiving end obtains the payment end identification information as the public key of the payment end; for another example, when the payment end digitally signs the information to be signed based on a private Key generated by a pki (public Key infrastructure) system, the payment end may further send the digital certificate of the payment end when sending the offline payment credential to the receiving end, so that the receiving end obtains the public Key of the payment end from the digital certificate, and it can be understood that, in the actual application process, a preset root certificate should be used to verify whether the digital certificate of the payment end is legal or not.
It can be understood that, for the verification method corresponding to each payment method, it is determined that the offline payment credential is legal only if the verification method implemented determines that the verification is passed, otherwise, if any verification method is that the verification is not passed, it is determined that the offline payment credential is illegal. It can be understood that, when the verification mode corresponding to a certain payment mode only implements the merchant verification mode, if the merchant verification mode determines that the verification is passed, it is determined that the offline payment credential is legal, otherwise, if the merchant verification mode does not pass, it is determined that the offline payment credential is illegal. It can also be understood that, when the merchant verification manner and the digital signature verification manner are implemented simultaneously in a verification manner corresponding to a certain payment manner, the offline payment credential is determined to be legitimate only if both the merchant verification manner and the digital signature verification manner are determined to be verified to be passed, otherwise, if the merchant verification manner or the digital signature verification manner is not verified to be passed, the offline payment credential is determined to be illegitimate.
Step 407, after the corresponding verification mode verifies that the offline payment credential is legal, it is determined that the payment of the payment terminal is successful.
After the corresponding verification mode on the receiving end verifies that the offline payment certificate is legal, the payment of the payment end is determined to be successful, and the payment can also be understood as the approval of the payment. Taking a traveling airplane as an example, after determining that the payment terminal is successful, the crew member may provide corresponding goods or services for the passenger who has successfully paid; for another example, when the payment end accesses the application server, the payment end triggers purchase of a corresponding service, and sends the offline payment credential to the receiving end, after the receiving end determines that payment of the payment end is successful, the receiving end feeds back information indicating that payment is successful to the application server, and then the application server determines that purchase of the payment end is successful, and provides the corresponding service to the payment end.
Optionally, the receiving end sends the offline payment credential to the server corresponding to the corresponding verification manner, so that the corresponding server transfers the digital asset according to the offline payment credential.
The receiving end sends the offline payment credential to the server corresponding to the corresponding verification mode, for example, the server corresponding to the first verification mode is the first server, the server corresponding to the second verification mode is the second server, if the first verification interface calls the first verification mode to verify the received offline payment credential, the offline payment credential is sent to the server corresponding to the first verification mode (i.e., the first server), and if the second verification interface calls the second verification mode to verify the received offline payment credential, the offline payment credential is sent to the server corresponding to the second verification mode (i.e., the second server).
The receiving end sends the offline payment voucher to the corresponding service end, namely, the receiving end establishes network connection with the service end, and directly sends the offline payment voucher to the corresponding service end, for example, after an airplane runs to the ground, the receiving end accesses a mobile internet and establishes network connection with the corresponding service end, and the receiving end sends the offline payment voucher to the corresponding service end; the receiving end may also send the offline payment credential to the corresponding server indirectly, that is, the receiving end sends the offline payment credential to the corresponding server through a transfer device (e.g., a collection device such as a collection server), for example, a collection device is deployed on an airplane, the receiving end synchronizes the offline payment credential to the collection device, after the airplane lands on the ground, the collection device establishes a network connection with the corresponding server, and the collection device sends the offline payment credential to the corresponding server; for another example, after the airplane lands on the ground, the receiving end accesses the mobile internet and establishes network connection with a collection server of the airline company, synchronizes the offline payment certificate to the collection server, and the collection server sends the offline payment certificate to the corresponding service end through the network.
After the receiving end sends the offline payment credential to the corresponding server, the corresponding server may transfer the digital asset according to the offline payment credential, and specifically, the corresponding server transfers the corresponding digital asset to an account where the merchant identification information included in the offline payment credential is located.
In the above implementation process, the receiving end provides a plurality of verification interfaces, each verification interface provides a verification mode of one of a plurality of dual offline payment modes, each verification interface calls the verification mode corresponding to the verification interface to perform verification when receiving an offline payment credential, and merchant identification information included in the offline payment credential is provided by the receiving end to the payment end, so that the payment end includes the merchant identification information in the generated offline payment credential, and the offline payment credential passes through the verification of the receiving end. According to the implementation process, the technical effect generated by the embodiment of the invention can integrate multiple double-off-line payment modes for the receiving end in a double-off-line scene; for the payment end, the user or the application server is not required to provide the merchant identification information for the payment end, and different payment ends can be triggered to complete the payment process of the digital assets by using the same input information, so that the operation of the payment end is simplified, and the use experience of the user is improved.
Fifth, an embodiment of an aggregation payment device for use in a dual offline scenario
Please refer to fig. 5, which illustrates a schematic structural diagram of a first embodiment of an aggregation payment apparatus for a dual offline scenario according to the present invention. For convenience of explanation, only portions related to the embodiments of the present invention are shown. The device comprises:
a receiving module: the system comprises a payment server, a payment server and a payment server, wherein the payment server is used for receiving a payment request sent by a payment terminal through a local area network;
the merchant acquisition module is used for acquiring preset merchant identification information;
a returning module, configured to return the preset merchant identification information to the payment end, so that the payment end includes the preset merchant identification information and corresponding digital assets in the generated offline payment credential;
the first verification interface is used for receiving an offline payment certificate with a first payment mode and calling a first verification module to verify when the offline payment certificate with the first payment mode is received; it can be understood that the payment mode corresponding to the offline payment credential generated by the first payment terminal is the first payment mode, that is, the offline payment credential of the first payment mode is the offline payment credential generated by the first payment terminal;
the verification module I is used for verifying the offline payment certificate of the payment mode I, and specifically comprises a first merchant verification unit, wherein the offline payment certificate of the payment mode I comprises merchant identification information, the first merchant verification unit is used for acquiring the included merchant identification information and corresponding merchant identification information, judging whether the corresponding merchant identification information is consistent with the included merchant identification information, if so, determining that the verification is passed, and when the verification unit included in the verification module I determines that the verification is passed during execution, determining that the offline payment certificate of the payment mode I is legal;
the verification interface II is used for receiving the offline payment certificate with the payment mode II and calling the verification module II to verify when the offline payment certificate with the payment mode II is received; it can be understood that the payment mode corresponding to the offline payment credential generated by the second payment terminal is the second payment mode, that is, the offline payment credential of the second payment mode is the offline payment credential generated by the second payment terminal;
the verification module II is used for verifying the offline payment certificate of the payment mode II, and specifically comprises a merchant verification unit II, wherein the offline payment certificate of the payment mode II comprises merchant identification information, the merchant verification unit II is used for acquiring the included merchant identification information and corresponding merchant identification information, judging whether the corresponding merchant identification information is consistent with the included merchant identification information, if so, determining that the verification is passed, and when the verification unit of the verification module II determines that the verification is passed during execution, determining that the offline payment certificate of the payment mode II is legal;
and the receiving module is used for determining that the payment of the payment terminal is successful after the verification module I or the verification module II determines that the offline payment certificate is legal.
Sixthly, an embodiment of an aggregation payment device used in a double off-line scene
Please refer to fig. 6, which illustrates a schematic structural diagram of a second embodiment of an aggregation payment apparatus for a dual offline scenario, where the apparatus is provided in the first embodiment of the aggregation payment apparatus for a dual offline scenario, and the first verification module further includes a first signature verification unit, or/and the second verification module further includes a second signature verification unit, where:
the first signature verification unit is configured to, if the offline payment credential further includes a signature value, perform digital signature verification on the offline payment credential according to the signature value, where the signature value is generated by a payment end performing digital signature on information to be signed and the information to be signed includes the corresponding digital asset, a verification manner of the digital signature verification is a digital signature verification manner corresponding to the first payment manner, and the first payment end is a payment end of the first payment manner;
and the second signature verification unit is configured to, if the offline payment credential further includes a signature value, perform digital signature verification on the offline payment credential according to the signature value, where the signature value is generated by digitally signing information of two pairs of information to be signed by a payment end, and the information to be signed includes the corresponding digital asset, a verification mode of the digital signature verification is a digital signature verification mode corresponding to the second payment mode, and the second payment end is the payment end of the second payment mode.
It can be understood that, in an actual implementation process, the first verification module further includes the first signature verification unit, and the second verification module further includes the second signature verification unit, which may be implemented simultaneously or by selecting one of them, that is, the first verification module further includes the first signature verification unit, or/and the second verification module further includes the second signature verification unit.
Seventhly, third embodiment of the aggregation payment device used in double off-line scenes
For the device provided in the first embodiment of the aggregation payment device for use in a dual offline scenario, if the same merchant identification information is registered by the receiving end on the service end corresponding to the first payment method and the second payment method, the device may further include a first storage unit.
Please refer to fig. 7, which illustrates a schematic structural diagram of a third embodiment of an aggregation payment apparatus for a dual offline scenario, where the apparatus further includes the second storage unit, where:
the first storage unit is used for storing the same merchant identification information in advance;
the acquiring of the preset merchant identification information in the merchant acquiring module includes: acquiring the same merchant identification information from the first storage unit;
the acquiring of the corresponding merchant identification information in the first merchant acquiring unit includes: acquiring the same merchant identification information from the first storage unit;
the second merchant acquiring unit acquires corresponding merchant identification information, including: and acquiring the same merchant identification information from the first storage unit.
Eighthly, fourth embodiment of the aggregation payment device used in double offline scenes
For the device provided in the first embodiment of the aggregated payment device for use in the dual offline scenario, if the receiving end registers different merchant identification information on the service end corresponding to the first payment method and the second payment method, where the merchant identification information registered by the receiving end on the service end corresponding to the first payment method is the first merchant identification information, and the merchant identification information registered by the receiving end on the service end corresponding to the second payment method is the second merchant identification information, the device may further include a second storage unit, a third storage unit, and a fourth storage unit.
Please refer to fig. 8, which shows a schematic structural diagram of a fourth embodiment of an aggregation payment apparatus for a dual offline scenario, where the apparatus further includes the second storage unit, the third storage unit, and the fourth storage unit, where:
the second storage unit is used for pre-storing the corresponding relationship between the payment identification information and the merchant identification information, wherein the corresponding relationship between the first storage payment identification information and the merchant identification information and the corresponding relationship between the second storage payment identification information and the merchant identification information are included;
the acquiring of the preset merchant identification information in the merchant acquiring module includes: acquiring payment identification information according to the payment request, and acquiring corresponding merchant identification information in the storage unit II according to the corresponding relation of the payment identification information, wherein the acquired merchant identification information is the merchant identification information I when the payment identification information is the payment identification information I, and the acquired merchant identification information is the merchant identification information II when the payment identification information is the payment identification information II;
the third storage unit is used for storing the first merchant identification information;
the acquiring of the corresponding merchant identification information in the first merchant verification unit includes: acquiring the first merchant identification information from the third storage unit;
the fourth storage unit is used for storing the second merchant identification information;
the second merchant verification unit obtains corresponding merchant identification information, including: and acquiring the second merchant identification information from the fourth storage unit.
Ninth, an embodiment of an aggregation payment apparatus for use in a dual offline scenario
Please refer to fig. 9, which illustrates a schematic structural diagram of a fifth embodiment of an aggregation payment apparatus for a dual offline scenario according to the present invention. The device is on the device provided by the first embodiment of the aggregation payment device used in the dual offline scenario, and further comprises the following modules:
the acquisition identification module is used for acquiring payment identification information according to the payment request;
and the address acquisition module is used for acquiring a corresponding verification interface address according to the payment identification information and returning the verification interface address to the payment end, so that the payment end sends the generated offline payment certificate to the corresponding verification interface according to the verification interface address.
Preferably, the acquiring and identifying module includes:
the first acquisition identification unit is used for acquiring the payment identification information from the payment request, wherein the payment request comprises the payment identification information of the payment terminal; alternatively, the first and second electrodes may be,
and the acquisition identification unit II is used for acquiring the payment identification information according to client identification information carried by the payment terminal when the payment request is sent.
It can be understood that, in the fourth embodiment of the aggregated payment device for use in a dual offline scenario, when the merchant obtaining module obtains the payment identification information according to the payment request, the merchant obtaining module may also call the obtaining identification module to obtain the payment identification information according to the payment request.
The fifth embodiment of the aggregation payment device for the dual offline scenario may further form an optional embodiment with any one of the first to fourth embodiments of the aggregation payment device for the dual offline scenario, that is, any one of the first to fourth embodiments of the aggregation payment device for the dual offline scenario may further include the obtaining identification module and the address obtaining module.
Ten, an aggregate payment device embodiment six for under two off-line scenes
Please refer to fig. 10, which shows a schematic structural diagram of a sixth embodiment of an aggregation payment apparatus for a dual offline scenario according to the present invention. The device is on the device provided by the first embodiment of the aggregation payment device used in the dual offline scenario, and further comprises the following modules:
and the sending module is used for sending the determined legal offline payment certificate to a server corresponding to a verification module for verifying the offline payment certificate after the acceptance module determines that the payment of the payment terminal is successful, so that the corresponding server transfers the digital assets according to the offline payment certificate, wherein the sending module specifically comprises the steps of sending the offline payment certificate to the first server when the first verification module determines the legal offline payment certificate, and sending the offline payment certificate to the second server when the second verification module determines the legal offline payment certificate.
Specifically, if a verification module for verifying the offline payment credential is the first verification module, and the first verification module is a verification module for verifying the offline payment credential of the first payment mode, and a server corresponding to the first verification module is the first server, the first verification module sends the legal offline payment credential determined by the first verification module to the first server; if the verification module for verifying the offline payment certificate is the verification module II, and the verification module II is used for verifying the offline payment certificate of the payment mode II, and the corresponding server side is the server side II, the offline payment certificate determined to be legal by the verification module II is sent to the server side II.
The sixth embodiment of the aggregation payment device for the dual offline scenario may further form an optional embodiment with any one of the first to fifth embodiments of the aggregation payment device for the dual offline scenario, that is, any one of the first to fifth embodiments of the aggregation payment device for the dual offline scenario may further include the sending module.
The implementation process applied to the receiving end in the first to sixth embodiments of the aggregation payment apparatus for use in a dual offline scenario and the third embodiment of the aggregation payment method for use in a dual offline scenario belong to the same concept, and specific implementation principles and effects thereof can be seen in the method embodiment, and are not described herein again.
It should be noted that, in this document, the terms "comprises," "comprising," "includes," "passing," "sending," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system.
The terms "first," "second," "third," and the like (if any) are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be practiced otherwise than as specifically illustrated or described herein.
The numbers of the above embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
The method, apparatus, receiving end and payment end of the invention may be implemented in many ways. For example, the method, apparatus, receiving end and payment end of the present invention may be implemented by software, hardware, firmware or any combination of software, hardware, firmware. The above-described order for the steps of the method is for illustrative purposes only, and the steps of the method of the present invention are not limited to the order specifically described above unless specifically indicated otherwise. Furthermore, in some embodiments, the present invention may also be embodied as a program recorded in a recording medium, the program including machine-readable instructions for implementing a method according to the present invention. Thus, the present invention also covers a recording medium storing a program for executing the method according to the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.

Claims (10)

1. An aggregate payment method used in a dual offline scenario, applied to a payment terminal, includes:
sending a payment request to a receiving end through a local area network so that the receiving end acquires preset merchant identification information;
receiving the preset merchant identification information returned by the receiving end;
generating an offline payment certificate, wherein the offline payment certificate comprises the preset merchant identification information and corresponding digital assets;
and sending the offline payment certificate to a verification interface corresponding to the receiving end through a local area network, so that the corresponding verification interface calls a corresponding verification mode to perform verification when receiving the offline payment certificate, and after verifying that the offline payment certificate is legal, the payment of the payment end is determined to be successful, wherein the corresponding verification interface is a verification interface corresponding to the payment end.
2. The method of claim 1, wherein sending the offline payment credential to the corresponding verification interface of the receiving end through the local area network comprises:
presetting the address of the corresponding verification interface in the payment terminal, and sending the offline payment certificate to the corresponding verification interface according to the preset address; alternatively, the first and second electrodes may be,
and the step of receiving the preset merchant identification information returned by the receiving end further comprises receiving a verification interface address returned by the receiving end, and sending the offline payment certificate to the corresponding verification interface according to the verification interface address.
3. A method for aggregating payment under a double offline scene is applied to a receiving end, the receiving end aggregates multiple double offline payment modes, wherein each payment mode has a verification mode corresponding to each payment mode, and the method comprises the following steps:
when a payment request sent by a payment terminal through a local area network is received, acquiring preset merchant identification information and returning the preset merchant identification information to the payment terminal, so that the payment terminal comprises the preset merchant identification information and corresponding digital assets in a generated offline payment certificate;
providing a plurality of verification interfaces, wherein each verification interface corresponds to a verification mode of one payment mode in the plurality of double off-line payment modes respectively, if the off-line payment voucher is received, the verification mode corresponding to the verification interface is called for verification, and after the off-line payment voucher is verified to be legal, the payment of the payment terminal is determined to be successful;
wherein, the verification mode corresponding to each payment mode comprises the following steps:
a merchant verification mode, specifically, acquiring merchant identification information included in the offline payment credential, acquiring merchant identification information corresponding to the verification mode, determining whether the corresponding merchant identification information is consistent with the included merchant identification information, and if so, determining that the verification is passed;
and if the implemented verification modes all determine that the verification is passed, determining that the offline payment voucher is legal.
4. The method of claim 3, wherein the obtaining of the preset merchant identification information and returning to the payment terminal further comprises:
acquiring payment identification information according to the payment request;
and acquiring a corresponding verification interface address according to the payment identification information, and returning the verification interface address to the payment end, so that the payment end sends the generated offline payment certificate to a corresponding verification interface according to the verification interface address.
5. The method of claim 3, wherein providing a plurality of authentication interfaces comprises providing an authentication interface one and an authentication interface two, wherein:
the first verification interface corresponds to a first verification mode, and if the offline payment certificate is received, the first verification mode is called to carry out verification, and the first verification mode is a verification mode for verifying the offline payment certificate of the first payment mode;
the second verification interface corresponds to a second verification mode, and if the offline payment certificate is received, the second verification mode is called to verify, and the second verification mode is a verification mode for verifying the offline payment certificate of the second payment mode.
6. An aggregated payment device for use in a dual offline scenario, the device comprising:
a receiving module: the system comprises a payment server, a payment server and a payment server, wherein the payment server is used for receiving a payment request sent by a payment terminal through a local area network;
the merchant acquisition module is used for acquiring preset merchant identification information;
a returning module, configured to return the preset merchant identification information to the payment end, so that the payment end includes the preset merchant identification information and corresponding digital assets in the generated offline payment credential;
the first verification interface is used for receiving an offline payment certificate with a first payment mode and calling a first verification module to verify when the offline payment certificate with the first payment mode is received;
the verification module I is used for verifying the offline payment certificate of the payment mode I, and specifically comprises a first merchant verification unit, wherein the offline payment certificate of the payment mode I comprises merchant identification information, the first merchant verification unit is used for acquiring the included merchant identification information and corresponding merchant identification information, judging whether the corresponding merchant identification information is consistent with the included merchant identification information, if so, determining that the verification is passed, and when the verification unit included in the verification module I determines that the verification is passed during execution, determining that the offline payment certificate of the payment mode I is legal;
the verification interface II is used for receiving the offline payment certificate with the payment mode II and calling the verification module II to verify when the offline payment certificate with the payment mode II is received;
the verification module II is used for verifying the offline payment certificate of the payment mode II, and specifically comprises a merchant verification unit II, wherein the offline payment certificate of the payment mode II comprises merchant identification information, the merchant verification unit II is used for acquiring the included merchant identification information and corresponding merchant identification information, judging whether the corresponding merchant identification information is consistent with the included merchant identification information, if so, determining that the verification is passed, and when the verification unit of the verification module II determines that the verification is passed during execution, determining that the offline payment certificate of the payment mode II is legal;
and the receiving module is used for determining that the payment of the payment terminal is successful after the verification module I or the verification module II determines that the offline payment certificate is legal.
7. The apparatus of claim 6, further comprising:
the acquisition identification module is used for acquiring payment identification information according to the payment request;
and the address acquisition module is used for acquiring a corresponding verification interface address according to the payment identification information and returning the verification interface address to the payment end, so that the payment end sends the generated offline payment certificate to the corresponding verification interface according to the verification interface address.
8. A payment end device comprising a processor, a memory, the processor being configured to execute a program stored in the memory, the program when executed performing a method comprising any one of claims 1 to 2; alternatively, a sink device, wherein the sink device comprises a processor and a memory, and the processor is configured to execute a program stored in the memory, and the program executes to perform the method according to any one of claims 3 to 5.
9. An aggregated payment system, characterized in that it comprises a device according to any one of claims 6 to 7.
10. A storage medium characterized in that the storage medium has stored therein a program for implementing a method comprising any one of claims 1 to 2, or a program for implementing a method comprising any one of claims 3 to 5.
CN202110375287.6A 2021-04-08 2021-04-08 Aggregation payment method and device used in double off-line scene, receiving end and payment end Pending CN113807830A (en)

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