CN115170111A

CN115170111A - Off-line settlement transaction method, device, system and computer readable storage medium

Info

Publication number: CN115170111A
Application number: CN202210505394.0A
Authority: CN
Inventors: 周晓萌; 张伟强; 赵玲; 姬存亚; 李丛蓉; 朱勇旭
Original assignee: Spreadtrum Semiconductor Nanjing Co Ltd
Current assignee: Spreadtrum Semiconductor Nanjing Co Ltd
Priority date: 2022-05-10
Filing date: 2022-05-10
Publication date: 2022-10-11

Abstract

An offline settlement transaction method, device, system and computer readable storage medium, the offline settlement transaction method comprises the following steps: the customer terminal equipment scans the selected commodity to obtain commodity information; the customer terminal equipment sends a settlement request to a merchant settlement system, and the settlement request is used for requesting settlement verification of the commodity information; the customer terminal equipment receives a settlement verification response from the merchant settlement system; and if the settlement verification response indicates that the settlement verification is successful, the customer terminal device sends payment information to a central bank currency management system, wherein the payment information is used for indicating the central bank currency management system to execute payment from a first account to a second account, the first account is an account bound by the customer terminal device, and the second account is an account bound by the merchant settlement system. By the scheme, the commodity scanning and settlement can be realized by the client terminal equipment, and the convenience and efficiency of offline settlement transaction are improved.

Description

Off-line settlement transaction method, device, system and computer readable storage medium

Technical Field

The embodiment of the invention relates to the field of payment, in particular to an off-line settlement transaction method, an off-line settlement transaction device, an off-line settlement transaction system and a computer-readable storage medium.

Background

When the commodity settlement is carried out in off-line places such as shops, supermarkets and the like, workers need to confirm commodities by scanning bar codes, and then accumulate and settle accounts in a merchant settlement system after counting a plurality of commodities, wherein the merchant settlement system belongs to an internal closed system. After confirming that the service is completed, the user needs to pay by an additional payment operation, such as manually by scanning a code or swiping a card. The whole process is low in automation degree and time-consuming.

Disclosure of Invention

The technical problem solved by the embodiment of the invention is how to improve the convenience and efficiency of offline payment.

To solve the above technical problem, an embodiment of the present invention provides an offline settlement transaction method, including: the customer terminal equipment scans the selected commodity to obtain commodity information; the customer terminal equipment sends a settlement request to a merchant settlement system, wherein the settlement request is used for requesting settlement verification of the commodity information; the customer terminal equipment receives a settlement verification response from the merchant settlement system; and if the settlement verification response indicates that the settlement verification is successful, the customer terminal device sends payment information to a central bank currency management system, wherein the payment information is used for indicating the central bank currency management system to execute payment from a first account to a second account, the first account is an account bound by the customer terminal device, and the second account is an account bound by the merchant settlement system.

Optionally, before the customer terminal device scans the selected product, the method further includes: when the customer terminal equipment is in communication connection with the merchant settlement system, sending an identity verification request to the merchant settlement system to request verification of identity information of a first account bound with the customer terminal equipment; and the customer terminal equipment receives and stores second account information sent by the merchant settlement system, wherein the second account information is sent by the merchant settlement system after the identity verification of the first account is successful, and the second account information is used for indicating the information of the second account bound by the merchant settlement system.

Optionally, before the customer terminal device receives the second account information sent by the merchant settlement system, the method further includes: and the customer terminal equipment receives an authentication response from the merchant settlement system, wherein the authentication response is used for indicating whether authentication is successful or not.

Optionally, the method further includes: and if the identity verification response indicates that the identity verification is successful, the customer terminal equipment outputs an identity verification success prompt.

Optionally, the identity information of the first account includes at least one of the following: user information of a first user, information of the first account, credit information of the first user, wherein: the user information includes at least one of: face information, fingerprint information, pupil information and identification information; the information of the first account includes at least one of: the address of the first account, the amount information of the first account and the bank account information bound to the first account; the credit information of the first user comprises at least one of the following: store consumption records, credit record information, member level information; the first user is a user of a first account.

Optionally, the scanning, by the customer terminal device, of the selected commodity to obtain commodity information includes: the customer terminal equipment sends a commodity information acquisition request to the merchant settlement system, wherein the commodity information acquisition request is used for requesting to acquire and verify commodity information; the customer terminal equipment receives a commodity information acquisition verification response from the merchant settlement system; and if the commodity information acquisition verification response indicates that the verification is successful, the customer terminal equipment acquires the commodity information after scanning the selected commodity.

Optionally, the customer terminal device scans the selected goods, and the method includes any one of the following steps: the customer terminal equipment scans the two-dimensional code of the selected commodity; the customer terminal equipment scans the bar code of the selected commodity; and the customer terminal equipment scans the radio frequency tag of the selected commodity.

Optionally, the type of the first account and the second account is a digital money wallet account.

Optionally, the commodity information includes value information and a commodity identifier of a commodity, and the method further includes: before the customer terminal device sends a settlement request to the merchant settlement system, the customer terminal device inputs the value information of the commodity and the commodity identification into a digital currency settlement system on the customer terminal device; and the customer terminal equipment generates a payment source digital currency character string set according to the address of the digital currency wallet account, the payment amount and a second account, and takes the payment source digital currency character string set as the payment information.

Optionally, the offline settlement transaction method further includes: and if the settlement verification response indicates that the settlement verification is successful, the customer terminal equipment outputs a settlement verification success prompt.

Optionally, the offline settlement transaction method further includes: the customer terminal device detects an association releasing operation, or detects no scanning selected commodity within a preset time period, or detects no settlement operation within a preset time period, and sends an association releasing request to the merchant settlement system, wherein the association releasing request is used for requesting termination of commodity value information acquisition permission and settlement permission of the customer terminal device, the commodity value information acquisition permission is used for allowing the customer terminal device to acquire commodity information, the settlement permission is used for allowing the customer terminal device to execute settlement operation, the association releasing request comprises settlement information, and the settlement information is used for representing that the first account has successfully paid to the second account; and the customer terminal equipment receives the association release notice from the merchant settlement system and deletes the stored second account information.

The embodiment of the invention also provides another offline settlement transaction method, which comprises the following steps: the merchant settlement system receives a settlement request from customer terminal equipment and performs settlement verification on commodity information according to the settlement request, wherein the settlement request is used for requesting settlement verification on the commodity information, and the commodity information is obtained by scanning a selected commodity through the customer terminal equipment; if the settlement verification is successful, the merchant settlement system opens the settlement authority to the customer terminal equipment and sends a settlement verification response to the customer terminal equipment, wherein the settlement verification response is used for indicating that the settlement verification is successful; if the settlement verification is successful, the merchant settlement system opens the settlement right to the customer terminal equipment and sends a settlement verification response to the customer terminal equipment, wherein the settlement verification response is used for indicating the successful settlement verification;

optionally, before the merchant settlement system receives a settlement request from a customer terminal device, the merchant settlement system further includes: the merchant settlement system receives an authentication request from the customer terminal equipment, wherein the authentication request is used for requesting authentication of the identity information of the first account; the merchant settlement system verifies the identity information of the first account; if the identity verification is successful, the merchant settlement system opens the commodity value reading permission to the customer terminal equipment; and the merchant settlement system sends second account information to the customer terminal equipment, wherein the second account information is used for indicating the information of a second account bound by the merchant settlement system.

Optionally, the offline settlement transaction method further includes: and if the identity authentication is successful, the merchant settlement system sends an identity authentication response to the customer terminal equipment, wherein the identity authentication response is used for indicating whether the identity authentication is successful or not.

Optionally, the offline settlement transaction method further includes: the merchant settlement system receives an association release request from the customer terminal equipment, wherein the association release request is used for requesting termination of the commodity value information acquisition permission and the settlement permission, the association release request comprises settlement information, and the settlement information is used for representing that the first account successfully pays the second account; the merchant settlement system carries out association and release verification according to the completed payment information and the settlement information; if the association release verification is passed, the merchant settlement system terminates opening the commodity value reading right and the settlement right to the customer terminal device.

Optionally, before the merchant settlement system receives a settlement request from a customer terminal device, the offline settlement transaction method further includes: the merchant settlement system receives a commodity information acquisition request from the customer terminal equipment, wherein the commodity information acquisition request is used for requesting to acquire and verify commodity information; the merchant settlement system acquires and verifies the commodity information according to the commodity information acquisition request; and the merchant settlement system sends a commodity information acquisition verification response to the customer terminal equipment, wherein the commodity information acquisition verification response is used for indicating whether the acquisition verification is successful or not.

Optionally, the settlement request includes commodity value information, a commodity identifier, and identity information of the first account, where the settlement request is used to perform settlement verification on commodity information, and the settlement verification includes: the merchant settlement system judges whether the commodity value information of the commodity requested to be settled is the same as the commodity value information recorded in the merchant settlement system or not according to the commodity identification; the merchant settlement system judges whether the identity authentication of the first account passes or not according to the identity information of the first account; and if the commodity value information of the commodity requested to be settled is the same as the commodity value information recorded in the merchant settlement system and the identity authentication of the first account passes, the merchant settlement system judges that the settlement verification is successful.

Optionally, the types of the first account and the second account are both digital money wallet accounts, and the collection information includes a payment destination digital money character string set.

The embodiment of the invention also provides an offline settlement transaction device, which comprises: the scanning unit is used for scanning the selected commodity by the customer terminal equipment to acquire commodity information; a settlement request sending unit, configured to send a settlement request to a merchant settlement system by the customer terminal device, where the settlement request is used to request settlement verification for the commodity information; a settlement verification response receiving unit, configured to receive, by the customer terminal device, a settlement verification response from the merchant settlement system; and the payment information sending unit is used for sending payment information to a central bank currency management system by the customer terminal device if the settlement verification response indicates that the settlement verification is successful, wherein the payment information is used for indicating the central bank currency management system to execute payment from a first account to a second account, the first account is an account bound by the customer terminal device, and the second account is an account bound by the merchant settlement system.

The embodiment of the present invention further provides another offline settlement transaction apparatus, including: a settlement request receiving unit, which is used for receiving a settlement request from a customer terminal device by a merchant settlement system and performing settlement verification on commodity information according to the settlement request, wherein the settlement request is used for requesting the settlement verification on the commodity information, and the commodity information is obtained by scanning a selected commodity through the customer terminal device; a second permission opening unit, configured to, if the settlement verification is successful, open the settlement permission to the customer terminal device by the merchant settlement system, and send a settlement verification response to the customer terminal device, where the settlement verification response is used to indicate that the settlement verification is successful; and the payment information receiving unit is used for receiving the collection information from the central bank money management system by the merchant settlement system, wherein the collection information is used for instructing the central bank money management system to execute collection from a second account to a first account, the first account is an account bound by the customer terminal equipment, and the second account is an account bound by the merchant settlement system.

Embodiments of the present invention further provide a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to perform any of the steps of the method for settlement transactions under line.

The embodiment of the invention also provides an offline settlement transaction device, which comprises a memory and a processor, wherein the memory is stored with a computer program capable of running on the processor, and the processor executes any one of the steps of the offline settlement transaction method when running the computer program.

An embodiment of the present invention further provides a settlement transaction processing system, which is characterized by including: the customer terminal device and the merchant settlement system respectively execute the steps of the corresponding offline settlement transaction method.

Compared with the prior art, the technical scheme of the embodiment of the invention has the following beneficial effects:

in the offline settlement transaction method provided by the embodiment of the invention, the customer terminal equipment can scan the selected commodity to acquire the commodity information. The customer terminal device sends a settlement request to a merchant settlement system to request settlement verification of the commodity information, and sends payment information to a central bank currency management system when receiving a settlement verification response indicating successful verification. The payment information is used for instructing the central bank currency management system to execute payment from a first account to a second account, wherein the first account is an account bound to the customer terminal device, and the second account is an account bound to the merchant settlement system. Through proper opening of the authority of the merchant settlement system, a transaction system with the cooperation of the merchant and the customer is set up, the customer can scan and pay commodities through the customer terminal device of the customer, a series of offline settlement transactions such as scanning, counting and payment of the commodities and the like on the customer terminal device of the customer are realized, and therefore the settlement transaction efficiency and the convenience of offline settlement can be fully improved.

Further, when the customer terminal device is in communication connection with the merchant settlement system, an identity verification request is sent to the merchant settlement system to request verification of identity information of a first account bound by the customer terminal device, and through verification of the identity of the first account, convenience of offline settlement can be considered, and meanwhile safety of offline settlement transactions of the customer terminal device and the merchant settlement system is improved.

Further, after the merchant settlement system successfully verifies the identity of the identity information of the first account, the merchant settlement system opens the commodity value reading permission to the customer terminal device and sends second account information to the customer terminal device, so that the safety of settlement transactions under the line can be further improved.

Further, during settlement verification, the merchant settlement system can improve the accuracy of settlement verification and the safety of offline settlement transactions through verification of the commodity information and the identity authentication of the first account.

Drawings

FIG. 1 is a flow diagram of a method of offline settlement of transactions in an embodiment of the invention;

FIG. 2 is a flow diagram of another method of offline settlement of transactions in an embodiment of the present invention;

FIG. 3 is a flow diagram of yet another method for offline settlement of transactions in an embodiment of the present invention;

FIG. 4 is a flowchart of one embodiment of step S31 of FIG. 3;

FIG. 5 is a flow chart of yet another method for offline settlement of transactions in an embodiment of the present invention;

FIG. 6 is a data flow diagram of a method of offline settlement transactions in an embodiment of the present invention;

fig. 7 is a schematic structural diagram of an offline settlement transaction apparatus according to an embodiment of the present invention;

fig. 8 is a schematic structural diagram of another offline settlement transaction apparatus according to an embodiment of the present invention.

Detailed Description

As described above, when the commodity settlement is performed in the off-line places such as the stores and the supermarkets, the staff needs to confirm the commodities by scanning the bar codes, and then, after counting a plurality of commodities, the accumulated settlement is performed in the merchant settlement system, which belongs to an internal closed system. After confirming that the service is completed, the user needs to pay by an additional payment operation, such as manually by scanning a code or swiping a card. The whole process is low in automation degree and time-consuming.

In order to solve the above problem, in the embodiment of the present invention, the customer terminal device may scan the selected product to obtain the product information. And the customer terminal equipment sends a settlement request to a merchant settlement system to request settlement verification of the commodity information, and sends payment information to the central bank currency management system when receiving a settlement verification response indicating successful verification. The payment information is used for instructing the central bank currency management system to execute payment from a first account to a second account, wherein the first account is an account bound to the customer terminal device, and the second account is an account bound to the merchant settlement system. Through proper opening of the authority of the merchant settlement system, a transaction system with the cooperation of the merchant and the customer is set up, the customer can scan and pay commodities through the customer terminal device of the customer, a series of offline settlement transactions such as scanning, counting and payment of the commodities on the customer terminal device of the customer are realized, and therefore the settlement transaction efficiency and the convenience of offline settlement can be fully improved.

In order to make the aforementioned objects, features and advantages of the embodiments of the present invention more comprehensible, embodiments of the present invention are described in detail below with reference to the accompanying drawings.

The embodiment of the invention provides an offline settlement transaction method, wherein the execution main body of the offline settlement transaction method can be a customer terminal device, or can be a chip such as a control chip, a processing chip, a baseband chip and the like which can be used for the customer terminal device, or other various appropriate components and the like. The customer terminal device may also be any appropriate terminal, such as, but not limited to, a mobile phone, a tablet computer, an internet of things device, and the like. The merchant settlement system can be a mobile phone, a computer, an internet of things device, a cloud server, a local server or a server group and the like.

Referring to fig. 1, a flow chart of a method for offline settlement of transactions in an embodiment of the invention is shown. The offline settlement transaction method may include the steps of:

s11, the customer terminal equipment scans the selected commodity to obtain commodity information;

step S12, the customer terminal equipment sends a settlement request to a merchant settlement system, and the settlement request is used for requesting settlement verification of the commodity information;

step S13, the customer terminal equipment receives a settlement verification response from the merchant settlement system;

and step S14, if the settlement verification response indicates that the settlement verification is successful, the customer terminal equipment sends payment information to a central bank currency management system, and the payment information is used for indicating the central bank currency management system to execute payment from a first account to a second account.

Wherein the first account is an account bound to the customer terminal device and the second account is an account bound to the merchant settlement system.

In some non-limiting embodiments, the type of the first account and the second account is a digital money wallet account.

The digital money wallet account may be in the form of a soft wallet, a hard wallet, and the like. The soft wallet refers to a wallet service provided by an intelligent application supporting digital rmb, and may be understood as a software wallet, which exists in the form of an application program (App). Such as digital wallets at each operating institution bank in the digital currency App, digital wallets in each operating bank App, and so forth. The hard wallet is an entity medium which is opened through a counter or an electronic channel and used for storing digital money, and is a digital money carrier with a hardware security unit medium, and the hard wallet also has basic functions of cashing out, cashing, loading, consuming, transferring, inquiring and the like. Examples of the Secure Element include a mobile phone having a Secure Element (SE), an NFC-SIM card, a bank card, and a wearable device.

In a specific implementation, in step S11, the customer terminal device may scan the selected product through multiple scanning methods.

For example, a two-dimensional code is attached to a commodity, and a customer terminal device scans the two-dimensional code of the selected commodity. Customer's terminal equipment has sweeps a yard device, sweeps yard device and can be customer's terminal equipment's camera.

For another example, a barcode is attached to a commodity, and the customer terminal device scans the barcode of the selected commodity. The customer terminal equipment is provided with a code scanning device, and the code scanning device can be a camera of the customer terminal equipment.

For another example, a radio frequency tag is arranged on a commodity, and the customer terminal device scans the radio frequency tag of the selected commodity. The customer terminal device has a reader capable of reading information recorded on the radio frequency tag. The radio frequency tag may also be referred to as an electronic tag or an RFID tag. The information recorded on the radio frequency tag at least comprises commodity identification, and each type of commodity is respectively provided with a unique corresponding commodity identification. The commodity identification can be a commodity name, a commodity number, other identification codes capable of uniquely identifying the commodity and the like.

In specific implementation, due to the fact that the types of the labels of the goods are different and the corresponding scanning modes are different, a customer can manually select the scanning mode according to the label of the selected goods, and a customer terminal device can automatically switch to the corresponding scanning mode according to the type of the label of the goods according to the label of the selected goods.

In a specific implementation, the commodity information may include value information of the commodity and a commodity identification. For example, a customer scans a packet of potato chips through a customer terminal device, and the obtained commodity information is a potato chip, and each packet has 6.8 yuan. In addition, further, in order to improve the richness of the commodity information so as to facilitate the accuracy of the subsequent settlement verification, the commodity information may further include the specification, manufacturer, and the like of the commodity. The specification of the goods may refer to weight of the goods, number of the goods, and the like.

In some non-limiting embodiments, the above step S11 may be implemented as follows: when the customer terminal device detects the scanning operation, sending a commodity information acquisition request to the merchant settlement system, wherein the commodity information acquisition request is used for requesting to acquire and verify commodity information; the customer terminal equipment receives a commodity information acquisition verification response from the merchant settlement system; and if the commodity information acquisition verification response indicates that the verification is successful, the customer terminal equipment acquires the scanned commodity information of the selected commodity.

The detection of the scanning operation by the customer terminal equipment can be the detection of starting the code scanning device and acquiring a bar code or a two-dimensional code. The customer terminal device detects the scanning operation and can read the radio frequency label for the reader.

The commodity information acquisition request at least includes a commodity identification of the requested commodity. And the merchant settlement system judges whether the commodity identification of the commodity requested by the customer terminal equipment is recorded in the merchant settlement system or not according to the commodity identification of the requested commodity and the commodity identification recorded in the merchant settlement system, and if the commodity identification of the commodity requested by the customer terminal equipment is recorded, the verification is judged to be successful. The merchant settlement system outputs a commodity information acquisition verification response for indicating successful verification to the customer terminal device, and sends commodity information of the commodity requested by the customer terminal device. The merchant settlement system may transmit the commodity information of the commodity requested by the customer terminal device to the customer terminal device alone, may transmit the commodity information acquisition verification response to the customer terminal device together, and may transmit the commodity information acquisition verification response to the customer terminal device by being carried in the commodity information acquisition verification response.

Correspondingly, if the merchant settlement system does not record the commodity identification of the commodity requested by the customer terminal equipment, the verification is judged to be failed.

Further, the merchant settlement system may transmit a commodity information acquisition verification response indicating a verification failure to the customer terminal device.

Further, the merchant settlement system can send the verification failure reason to the customer terminal device, so that the customer can timely know the failure reason, and the merchant settlement system is favorable for successfully acquiring the commodity information. The failure reasons may include article identification errors, network failures, etc.

In some embodiments, the merchandise information acquisition request includes at least an merchandise identification of the requested merchandise and identity information of the first account to which the customer terminal device is bound. The identity information of the first account bound by the customer terminal device can be used for carrying out identity verification on the first account so as to ensure the safety of the offline payment transaction. For more description that the identity information of the first account can perform identity verification on the first account, reference may be made to the description in step S21 and step S23, and details are not described herein again.

Before step S12 is executed, before the customer terminal device sends a settlement request to the merchant settlement system, the customer terminal device enters the value information of the commodity and the commodity identification into a digital currency settlement system on the customer terminal device; and the customer terminal equipment generates a payment source digital currency character string set according to the address of the digital currency wallet account, the payment amount and a second account, and takes the payment source digital currency character string set as the payment information.

In a specific implementation, in step S12, the customer terminal device may send a settlement request when detecting that the customer triggers a settlement operation. For example, a settlement button may be disposed on the operation interface of the customer terminal device, and when the customer triggers the settlement button, the scanned product may be settled.

In some non-limiting embodiments, the settlement request includes merchandise value information, merchandise identification, number of merchandise, etc. requesting settlement of the merchandise. Further, the total value information of all commodities to be settled can be included, so that settlement verification is facilitated.

In a specific implementation, after receiving the settlement request, the merchant settlement system may perform settlement verification on the commodity information according to the settlement request.

In some non-limiting embodiments, the merchant settlement system records commodity information of various commodities, such as value information of each commodity, a commodity identifier, specifications of the commodities, the stock quantity, and the like, and the various commodity information may be stored in the database of the merchant settlement system in advance, and the stock information may be updated in time according to the warehouse-out and warehouse-in of the commodities.

In some embodiments, the merchant settlement system may determine whether the commodity value information of the commodity requested to be settled is the same as the commodity value information recorded in the merchant settlement system according to the commodity identifier, and if the commodity value information of the commodity requested to be settled is the same as the commodity value information recorded in the merchant settlement system, the merchant settlement system determines that the settlement verification is successful.

In other embodiments, the merchant settlement system may determine whether the commodity value information of the commodity requested to be settled is the same as the commodity value information recorded in the merchant settlement system, and determine whether the authentication of the first account passes according to the identity information of the first account. And if the commodity value information of the commodity requested to be settled is the same as the commodity value information recorded in the merchant settlement system and the identity authentication of the first account passes, the merchant settlement system judges that the settlement verification is successful. When settlement verification is carried out, the accuracy of settlement verification can be improved and the safety of offline settlement transaction can be improved by verifying the commodity information and the identity authentication of the first account.

Correspondingly, if the commodity information of the settlement commodity requested for settlement verification by the settlement request is different from the commodity information recorded in the merchant settlement system, and/or the identity authentication of the first account is judged not to pass according to the identity information of the first account, the merchant settlement system judges that the settlement verification fails.

If the settlement verification fails, the merchant settlement system may output a settlement verification response indicating the settlement failure. When the settlement verification fails, the merchant settlement system may output a settlement verification failure reason. Therefore, even if the customer knows the reason of settlement verification failure, the customer can correct the settlement in time, and the successful offline settlement transaction is facilitated.

If the settlement verification is successful, the merchant settlement system may output a settlement verification response indicating that the settlement is successful.

In some embodiments, after the merchant settlement system determines that the settlement verification is successful, settlement rights may be opened to the customer terminal device. The merchant settlement system may or may not send the open settlement right notification to the customer terminal device. And the open settlement authority notification is used for informing the client that the terminal equipment has acquired the settlement authority so that the client can timely know that the settlement verification is successful and timely perform settlement. After the customer terminal device obtains the settlement authority, the scanned commodity can be settled at the customer terminal device.

Further, in some non-limiting embodiments, when the settlement verification response received by the customer terminal device indicates that the settlement verification is successful, the customer terminal device outputs a settlement verification success alert. And outputting a settlement verification success prompt to enable the customer to timely know the success of settlement verification and timely settle accounts.

It should be noted that the open settlement right notification may be encapsulated in a message with the settlement verification response, or the settlement verification response may also have a function of notifying the open settlement right.

In specific implementation, the client terminal device can perform settlement verification success reminding in a voice mode, can perform settlement verification success reminding in an acousto-optic mode, and can perform settlement verification success reminding in a mode of combining the voice mode and the acousto-optic mode.

In step S14, if the type of the first account is a digital money wallet, the payment information of the customer terminal device is transmitted to the central bank money management system. And the central bank money management system completes payment from the first account to the second account according to the payment information.

Specifically, the customer terminal device selects digital currency strings from a digital currency safe deposit box of the customer terminal device according to the payment amount and a predefined matching strategy, then forms a payment source digital currency string set (namely payment information), and sends the payment source digital currency string set to a central bank currency management system. The digital currency string is provided with an amount field and an owner identification field, and one or more digital currency strings with owner identification as a first account are stored in a digital currency safe deposit box at the payment end; the central bank money management system registers the digital money strings in the payment source digital money string set as a waste state, then generates a payment destination digital money string according to the payment amount, and sends the payment destination digital money string to a second account of the merchant settlement system, wherein the amount of the payment destination digital money string is the payment amount, and the owner is identified as the second account.

As described above, the customer terminal device may scan the selected product to obtain product information. The customer terminal device sends a settlement request to a merchant settlement system to request settlement verification of the commodity information, and sends payment information to a central bank currency management system when receiving a settlement verification response indicating successful verification. The payment information is used for instructing the central bank currency management system to execute payment from a first account to a second account, wherein the first account is an account bound by the customer terminal equipment, and the second account is an account bound by the merchant settlement system. Through proper opening of the authority of the merchant settlement system, a transaction system with the cooperation of the merchant and the customer is set up, the customer can scan and pay commodities through the customer terminal device of the customer, a series of offline settlement transactions such as scanning, counting and payment of the commodities and the like on the customer terminal device of the customer are realized, and therefore the settlement transaction efficiency and the convenience of offline settlement can be fully improved.

Referring to fig. 2, a flow chart of another offline settlement transaction method in an embodiment of the invention is shown. The following description is directed to differences between the offline transaction method shown in fig. 2 and the offline transaction method shown in fig. 1, and for parts that are the same as the offline transaction method shown in fig. 1, reference may be made to the description in the foregoing embodiments, and details are not repeated here.

Before step S11, step S21 and step S23 may be further included.

Step S21, when the customer terminal equipment is in communication connection with the merchant settlement system, sending an identity verification request to the merchant settlement system to request verification of identity information of a first account bound with the customer terminal equipment;

step S23, the customer terminal device receives and stores second account information sent by the merchant settlement system, where the second account information is sent by the merchant settlement system after the identity of the first account is successfully verified, and the second account information is used to indicate information of a second account bound by the merchant settlement system.

Further, in some non-limiting embodiments, step S22 may also be included before step S23.

Step S22, the customer terminal device receives an authentication response from the merchant settlement system, where the authentication response is used to indicate whether authentication is successful.

In a specific implementation, in step S21, the customer terminal device may be in communication connection with the merchant settlement system through one or more of a mobile cellular network, a wireless short-range communication network (e.g., WIFI, bluetooth), and the like, so as to perform various data (e.g., an identity verification request, a settlement request, an identity verification response, a settlement verification response, and the like) interaction.

The customer terminal device may scan the two-dimensional code of the merchant settlement system through the application software associated with the first account to establish a communication connection with the merchant settlement system. The application software associated with the first account may be WeChat, payment treasures, data money wallet application software, and the like. The customer terminal device may also search the merchant settlement system through the application software associated with the first account.

For example, after a customer enters a place such as a mall or a supermarket, the customer terminal device may scan a merchant settlement system of a merchant such as the mall or the supermarket, and establish communication connection with the merchant settlement system.

And when the customer terminal equipment triggers the communication connection with the merchant settlement system, the customer terminal equipment sends an identity verification request to the merchant settlement system. The authentication request includes identity information of the first account. The identity information of the first account includes at least one of: the user information of the first user, the information of the first account, and the credit information of the first user.

The user information includes at least one of: face information, fingerprint information, pupil information and identification information. The identification information may include an identification number or passport number, etc.

The information of the first account includes at least one of: the address of the first account, the amount information of the first account and the bank account information bound to the first account;

the credit information of the first user comprises at least one of the following: store consumption records, credit record information, member level information.

The first user is a user of the first account. It should be noted that the identity information related to the first account is authorized and obtained within the user permission range.

The user information about the first user may be collected by the customer terminal device when the first user registers in the merchant settlement system, and transmitted to the merchant settlement system through the customer terminal device, and stored by the merchant settlement system. Or, for a merchant settlement system which does not need to be registered in advance, the merchant settlement system may be associated with a third-party service system, user information is acquired through the third-party service system, and the acquired user information may be used for checking the identity information of the first account in the authentication request.

In a specific implementation, the merchant settlement system may verify authenticity of the user information of the first user, and if the user information of the first user is different from the user information stored by the merchant settlement system or different from the user information obtained by the merchant settlement system from the third party, it is determined that the authentication of the first user fails. If the identity authentication is the same, the merchant settlement system judges that the identity authentication is successful.

The merchant settlement system verifies the authenticity of the information of the first account. Specifically, the merchant settlement system may obtain information for the first account from the third party service system. And the merchant settlement system carries out identity verification on the first account information in the identity verification request according to the information of the first account acquired from the third-party service system. And if the first account information in the identity authentication request is the same as the information of the first account acquired from the third-party service system, the merchant settlement system judges that the identity authentication is successful.

In a specific implementation, the merchant settlement system may obtain the credit information of the user according to the obtained user information. It should be noted that, obtaining the user information of the user according to the user information is performed under the condition of obtaining the user authorization.

After the first account is successfully authenticated, the merchant settlement system may send second account information of itself to the customer terminal device. The second account information is used for indicating information of a second account bound by the merchant settlement system. And the customer terminal device receives and stores the second account information sent by the merchant settlement system, namely, executes step S23.

When the type of the second account is a digital money wallet, the second account information includes at least a digital money wallet account number (ID). Further, the second account information may further include bank card account information bound to the digital money wallet.

And after the identity of the first account is successfully verified, the merchant settlement system opens the commodity value reading permission to the customer terminal equipment. After the customer terminal device obtains the commodity value reading authority, the commodity information can be obtained by scanning the label of the selected commodity.

It should be noted that, in other embodiments, the commodity value reading authority of the merchant settlement system may be always in an open state, and after the customer terminal device establishes a communication connection with the merchant settlement system, the customer terminal device may scan a selected commodity to obtain commodity information. Or, in order to improve the security of the payment transaction, the customer terminal device establishes communication connection with the merchant settlement system, and after the identity verification of the customer terminal device is passed, the customer terminal device can scan the selected commodity to obtain commodity information.

Further, if the authentication of the first account is successful, the merchant settlement system sends an authentication response to the customer terminal device, wherein the authentication response is used for indicating whether the authentication is successful or not. The customer terminal device receives an authentication response from the merchant settlement system.

And if the identity verification response indicates that the identity verification is successful, the customer terminal equipment outputs an identity verification success prompt.

In specific implementation, the customer terminal device can prompt the successful authentication in a voice mode, can also prompt the successful authentication in a sound-light mode, and can also prompt the successful authentication in a mode of combining the voice mode and the sound-light mode.

Step S22 and step S23 may be executed synchronously, and step S22 may be executed before step S23 or after step S23.

In a specific implementation, the customer terminal device detects an association release operation, or does not detect a scanned and selected commodity within a preset time period, or does not detect a settlement operation within a preset time period, and sends an association release request to the merchant settlement system, wherein the association release request is used for requesting termination of commodity value information acquisition permission and settlement permission of the customer terminal device, the commodity value information acquisition permission is used for allowing the customer terminal device to acquire commodity information, the settlement permission is used for allowing the customer terminal device to execute a settlement operation, the association release request comprises settlement information, and the settlement information is used for representing that the first account has successfully paid to the second account; and the customer terminal equipment receives the association release notice from the merchant settlement system and deletes the stored second account information.

In particular implementations, the disassociation operation may be triggered in a variety of ways. For example, the first user triggers the disassociation operation by operating a key. Specifically, the operation interface of the customer terminal device may be provided with an association release key, and when it is detected that the user triggers the association release key, it is determined that the association release operation is detected. For another example, the first user triggers the disassociation operation through a voice instruction, and the customer terminal device may collect the voice instruction input by the user and trigger the disassociation operation through the voice instruction. For another example, the first user triggers the disassociation operation through a preset gesture, and the gesture for triggering the disassociation operation may be preset.

And the merchant settlement system receives the association release request from the customer terminal equipment, and performs association release verification according to the completed payment information and the settlement information. If the association release verification is passed, the merchant settlement system terminates opening the commodity value reading right and the settlement right to the customer terminal device.

In particular implementations, the payment information includes at least payment account, payment amount, settled commodity information, and the like. The settlement information includes at least a payment account, a payment amount, settlement commodity information, and the like. The merchant settlement system may compare the payment information and the settlement information, and if the settlement information is the same as the payment information, it is determined that the association release verification is passed, and the association may be released. At this time, the merchant settlement system terminates the opening of the commodity value reading authority and the settlement authority to the customer terminal device. After the merchant settlement system terminates opening the commodity value reading authority and the settlement authority to the customer terminal device, the customer terminal device cannot scan and acquire the commodity information of the commodity and cannot perform commodity settlement. The customer terminal device can request again to acquire the commodity value reading authority and the settlement authority from the merchant settlement system by performing communication connection with the merchant settlement system again.

In specific implementation, after the customer terminal device obtains the commodity value reading permission and the settlement permission, the customer terminal device can send settlement requests to the merchant settlement system for multiple times within a preset time period, that is, multiple commodity settlement can be performed.

The embodiment of the invention provides another offline settlement transaction method, wherein an execution main body of the offline settlement transaction method can be a merchant settlement system, the merchant settlement system can be a mobile phone, a computer, an internet of things device, a cloud server, a local server or a server group and the like, the merchant settlement system can be the mobile phone, the computer, the internet of things device, the cloud server, the local server or the server group corresponding to the merchant settlement system, and can also be chips such as a control chip, a processing chip, a baseband chip and the like or other various appropriate components used for the mobile phone, the computer, the internet of things device, the cloud server, the local server or the server group and the like.

Referring to fig. 3, a flow chart of another offline settlement transaction method in an embodiment of the invention is shown. Specifically, the following steps S31 to S33 are included.

Step S31, a merchant settlement system receives a settlement request from a customer terminal device and performs settlement verification on commodity information according to the settlement request, wherein the settlement request is used for requesting settlement verification on the commodity information, and the commodity information is obtained by scanning a selected commodity through the customer terminal device.

In some non-limiting embodiments, the settlement request includes value information for the item, an identification of the item, and identity information for the first account.

Referring to fig. 4, a flowchart of an embodiment of the step S31 is given, and the step S31 may be specifically implemented by the following steps S311 to S313:

step S311, judging whether the value information of each commodity is the same as the commodity value information recorded in the merchant settlement system or not according to the commodity identification;

step S312, judging whether the identity authentication of the first account passes according to the identity information of the first account;

step S313, if the value information of each commodity is the same as the commodity value information recorded in the merchant settlement system and the identity authentication of the first account passes, it is determined that the settlement verification is successful.

Continuing to refer to fig. 3, in step S32, if the settlement verification is successful, the merchant settlement system opens the settlement right to the customer terminal device, and sends a settlement verification response to the customer terminal device, where the settlement verification response is used to indicate that the settlement verification is successful;

and step S33, the merchant settlement system receives the collection information from the central bank money management system, wherein the collection information is used for instructing the central bank money management system to execute collection from the second account to the first account.

For more details of the above steps S31 to S33, reference may be made to the description in the embodiment provided in fig. 1 and fig. 2, and details are not repeated here.

Referring to fig. 5, a flowchart of another offline settlement method in an embodiment of the present invention is shown. The following description is directed to differences between the offline transaction method shown in fig. 5 and the offline transaction method shown in fig. 3, and for parts that are the same as the offline transaction method shown in fig. 3, reference may be made to the description in the foregoing embodiments, and details are not repeated here.

The offline settlement transaction method illustrated in fig. 5 may further include the following steps S51 to S54 before further step S31.

Step S51, the merchant settlement system receives an authentication request from the customer terminal device, where the authentication request is used to request authentication of the identity information of the first account.

The identity information of the first account includes at least one of: the user information of the first user, the information of the first account, and the credit information of the first user.

The user information includes at least one of: face information, fingerprint information, pupil information, and identification information.

The information of the first account includes at least one of: the address of the first account, the amount information of the first account and the bank account information bound with the first account.

Step S52, the merchant settlement system verifies the identity information of the first account;

step S53, if the identity authentication is successful, the merchant settlement system opens the commodity value reading permission to the customer terminal equipment;

step S54, the merchant settlement system sends second account information to the customer terminal device, where the second account information is used to indicate information of a second account bound by the merchant settlement system.

Further, in some non-limiting embodiments, if the authentication is successful, the merchant settlement system sends an authentication response to the customer terminal device, where the authentication response is used to indicate whether the authentication is successful.

Correspondingly, if the identity authentication fails, the merchant settlement system does not open the commodity value reading permission to the customer terminal equipment.

Further, the merchant settlement system may output an authentication response indicating that the authentication failed to the customer terminal device.

Further, the merchant settlement system may output a notification of the reason for the authentication failure to the customer terminal device to notify the customer terminal device of the reason for the authentication failure, which is helpful for the first user to correct in time.

In a specific implementation, the merchant settlement system receives an association release request from the customer terminal device, wherein the association release request is used for requesting termination of the commodity value information acquisition permission and the settlement permission, the association release request comprises settlement information, and the settlement information is used for representing that the first account has successfully paid to the second account; the merchant settlement system carries out association and release verification according to the completed payment information and the settlement information; if the association release verification is passed, the merchant settlement system terminates opening the commodity value reading right and the settlement right to the customer terminal device. After receiving the association releasing request of the customer terminal equipment, the merchant settlement system timely stops opening the commodity value reading permission and the settlement permission to the customer terminal equipment, can ensure the safety of settlement transaction while considering the convenience of off-line settlement transaction of the customer terminal equipment, and avoids the excessive occupation of merchant settlement system resources.

In a specific implementation, before the merchant settlement system receives a settlement request from a customer terminal device, the merchant settlement system receives a commodity information acquisition request from the customer terminal device, wherein the commodity information acquisition request is used for requesting to acquire and verify commodity information; the merchant settlement system acquires and verifies the commodity information according to the commodity information acquisition request; and the merchant settlement system sends a commodity information acquisition verification response to the customer terminal equipment, wherein the commodity information acquisition verification response is used for indicating whether the acquisition verification is successful or not.

In some embodiments, the merchandise information acquisition request includes at least an identification of the merchandise requested and identity information of the first account to which the customer terminal device is bound. The identity information of the first account bound by the customer terminal device can be used for carrying out identity verification on the first account so as to ensure the safety of the offline payment transaction. For more description that the identity information of the first account can be used to authenticate the first account, reference may be made to the description in step S51 and step S53, and details are not described here again.

In a specific implementation, for more contents in the offline settlement transaction method in which the execution subject is a merchant settlement system, reference may be made to the description of the offline settlement transaction method in which the execution subject is a customer terminal device provided in fig. 1 and fig. 2, and details thereof are not repeated herein.

In order to facilitate better understanding of the settlement transaction method by those skilled in the art, the following describes a specific flow of the offline settlement transaction with reference to the data flow diagram of the offline settlement transaction method in the embodiment of the present invention as shown in fig. 6, taking the digital money wallet as an example of the first account and the second account.

Step S601, the customer terminal device sends an authentication request to the merchant settlement system.

Step S602, the merchant settlement system verifies the identity information of the first account according to the identity verification request.

Step S603, if the identity authentication is successful, the merchant settlement system opens the commodity value reading permission to the customer terminal equipment.

Step S604, the merchant settlement system sends the second account information to the customer terminal device.

The second account information is used for indicating information of a second account bound by the merchant settlement system.

Step S605, the merchant settlement system sends an authentication response to the customer terminal device.

In step S606, the customer terminal device receives and stores the second account information.

In step S607, the customer terminal device receives the authentication response.

In step S608, the customer terminal device scans the selected product to obtain product information.

In step S609, the customer terminal device sends a settlement request to the merchant settlement system.

And step S610, the merchant settlement system carries out settlement verification on the commodity information according to the settlement request.

Step S611, if the settlement verification is successful, the merchant settlement system opens the settlement right to the customer terminal device.

Step S612, the merchant settlement system sends a settlement verification response to the customer terminal device.

In step S613, if the settlement verification response indicates that the settlement verification is successful, the customer terminal device sends payment information to the central bank currency management system.

Specifically, the customer terminal device selects a digital currency string from a digital currency storage box of the customer terminal device according to the payment amount and a predefined matching strategy, then forms a payment source digital currency string set (namely payment information), and sends the payment source digital currency string set to a central bank currency management system.

And step S614, the central bank currency management system executes payment from the first account to the second account according to the first payment information.

The digital currency string is provided with an amount field and an owner identification field, and one or more digital currency strings with owner identification as a first account are stored in a digital currency safe deposit box of the payment end; the central bank currency management system registers the digital currency strings in the payment source digital currency string set as a waste state, then generates a payment destination digital currency string according to the payment amount, the amount of the payment destination digital currency string is the payment amount, and the owner is identified as a second account.

In step S615, the central bank money management system transmits the receipt information to the commercial settlement system.

The central bank currency management system sends the payment to digital currency string to a second account of the merchant settlement system.

In step S616, the commercial settlement system receives the receipt information from the central bank money management system.

Further contents of the above steps S601 to S616 may be combined with fig. 1 to fig. 5 and the detailed description of the method for settlement transaction under line in the above embodiment, and are not repeated herein.

For the content related to the disassociation between the customer terminal device and the merchant settlement system, please refer to the description in the above embodiments, which is not repeated herein.

Because the digital currency supports 'double off-line payment', and has the characteristics of 'payment is settlement as soon as possible', 'controllable anonymity', high safety and the like, if the digital currency transaction is based on the premise, the transaction China is settled on line, the right of the merchant settlement system is properly opened, a transaction system with the cooperation of merchants and customers is built, and the transaction efficiency can be fully improved while the settlement transaction safety is ensured.

It should be noted that the offline settlement transaction method is also applicable to offline settlement transactions in types of first account, second account, bank card account, electronic payment account, and the like, and reference may be specifically made to the description in the foregoing embodiment.

Referring to fig. 7, which shows a schematic structure of an offline settlement transaction apparatus according to an embodiment of the present invention, the offline settlement transaction apparatus 70 may include:

a scanning unit 71, configured to scan the selected product by the customer terminal device to obtain product information;

a settlement request sending unit 72, configured to send a settlement request to a merchant settlement system by the customer terminal device, where the settlement request is used to request settlement verification for the commodity information;

a settlement verification response receiving unit 73 for the customer terminal device to receive a settlement verification response from the merchant settlement system;

a payment information sending unit 74, configured to, if the settlement verification response indicates that the settlement verification is successful, send payment information to a central bank currency management system by the customer terminal device, where the payment information is used to instruct the central bank currency management system to perform payment from a first account to a second account, where the first account is an account bound to the customer terminal device, and the second account is an account bound to the merchant settlement system.

In a specific implementation, reference may be made to the description of the offline settlement transaction method provided in the embodiment corresponding to fig. 1 and fig. 2 for a specific structure of the offline settlement transaction apparatus 70, and details thereof are not repeated herein.

Referring to fig. 8, which shows an offline settlement transaction apparatus according to an embodiment of the present invention, the offline settlement transaction apparatus 80 may include:

a settlement request receiving unit 81, configured to receive, by a merchant settlement system, a settlement request from a customer terminal device, and perform settlement verification on commodity information according to the settlement request, where the settlement request is used to request settlement verification on the commodity information, and the commodity information is obtained by scanning a selected commodity through the customer terminal device;

a second permission opening unit 82, configured to, if the settlement verification is successful, open the settlement permission to the customer terminal device by the merchant settlement system, and send a settlement verification response to the customer terminal device, where the settlement verification response is used to indicate that the settlement verification is successful;

a payment information receiving unit 83, configured to receive, by the merchant settlement system, collection information from a central bank money management system, where the collection information is used to instruct the central bank money management system to perform collection from a second account to a first account, where the first account is an account bound to the customer terminal device, and the second account is an account bound to the merchant settlement system.

In a specific implementation, reference may be made to the description of the offline settlement transaction method provided in the embodiments corresponding to fig. 1 to 5 for a specific structure of the offline settlement transaction apparatus 80, and details thereof are not repeated herein.

Embodiments of the present invention further provide a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to perform the steps of the offline settlement transaction method provided in fig. 1 and 2 or the steps of the offline settlement transaction method provided in fig. 3 to 5.

The computer-readable storage medium may include non-volatile (non-volatile) or non-transitory (non-transitory) memory, and may also include optical disks, mechanical hard disks, solid state disks, and the like.

Specifically, in the embodiment of the present invention, the processor may be a Central Processing Unit (CPU), and the processor may also be other general-purpose processors, digital Signal Processors (DSPs), application Specific Integrated Circuits (ASICs), field Programmable Gate Arrays (FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, and the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

It will also be appreciated that the memory in the embodiments of the subject application may be either volatile memory or nonvolatile memory, or may include both volatile and nonvolatile memory. The nonvolatile memory may be a read-only memory (ROM), a Programmable ROM (PROM), an Erasable PROM (EPROM), an Electrically Erasable PROM (EEPROM), or a flash memory. Volatile memory can be Random Access Memory (RAM), which acts as external cache memory. By way of example and not limitation, many forms of Random Access Memory (RAM) are available, such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDR SDRAM), enhanced SDRAM (ESDRAM), synchlronous DRAM (SLDRAM), and direct bus RAM (DR RAM).

The embodiment of the invention also provides an offline settlement transaction device, which comprises a memory and a processor, wherein the memory is coupled with the processor, and the memory can be positioned in the offline settlement transaction or positioned outside the offline settlement transaction. The memory and the processor may be connected by a communication bus. The memory is stored with a computer program capable of running on the processor, and the processor executes the steps of the offline settlement transaction method provided by the above embodiment when running the computer program. The off-line settlement transaction device may include, but is not limited to, a terminal device such as a mobile phone, a computer, a tablet computer, and the like, and may also be a server, a cloud platform, and the like.

The embodiment of the invention also provides a settlement transaction processing system, which is characterized by comprising: a customer terminal device for executing the steps of the offline settlement transaction method provided in the above-mentioned fig. 1 and 2, and a merchant settlement system for executing the steps of the offline settlement transaction method provided in the fig. 3 to 5.

The above embodiments may be implemented in whole or in part by software, hardware, firmware, or any combination thereof. When implemented in software, the above-described embodiments may be implemented in whole or in part in the form of a computer program product. The computer program product comprises one or more computer instructions or computer programs. The procedures or functions according to the embodiments of the present application are wholly or partially generated when the computer instructions or the computer program are loaded or executed on a computer. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer program may be stored in a computer readable storage medium or transmitted from one computer readable storage medium to another computer readable storage medium, for example, the computer program may be transmitted from one website, computer, server, or data center to another website, computer, server, or data center by wire or wirelessly.

In the several embodiments provided in the present application, it should be understood that the disclosed method, apparatus and system may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative; for example, the division of the cell is only a logic function division, and there may be another division manner in actual implementation; for example, various elements or components may be combined or may be integrated into another system, or some features may be omitted, or not implemented. The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one position, or may be distributed on multiple network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may be separately and physically included, or two or more units may be integrated into one unit. The integrated unit may be implemented in the form of hardware, or in the form of hardware plus a software functional unit. For example, for each device or product applied to or integrated into a chip, each module/unit included in the device or product may be implemented by hardware such as a circuit, or at least a part of the module/unit may be implemented by a software program running on a processor integrated within the chip, and the rest (if any) part of the module/unit may be implemented by hardware such as a circuit; for each device or product applied to or integrated with the chip module, each module/unit included in the device or product may be implemented by using hardware such as a circuit, and different modules/units may be located in the same component (e.g., a chip, a circuit module, etc.) or different components of the chip module, or at least some of the modules/units may be implemented by using a software program running on a processor integrated within the chip module, and the rest (if any) of the modules/units may be implemented by using hardware such as a circuit; for each device and product applied to or integrated in the terminal, each module/unit included in the device and product may be implemented by using hardware such as a circuit, and different modules/units may be located in the same component (e.g., a chip, a circuit module, etc.) or different components in the terminal, or at least part of the modules/units may be implemented by using a software program running on a processor integrated in the terminal, and the rest (if any) part of the modules/units may be implemented by using hardware such as a circuit.

It should be understood that the term "and/or" herein is only one kind of association relationship describing the association object, and means that there may be three kinds of relationships, for example, a and/or B, and may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" in this document indicates that the former and latter related objects are in an "or" relationship.

The "plurality" appearing in the embodiments of the present application means two or more.

The descriptions of the first, second, etc. appearing in the embodiments of the present application are only for illustrating and differentiating the objects, and do not represent the order or the particular limitation of the number of the devices in the embodiments of the present application, and do not constitute any limitation to the embodiments of the present application.

It should be noted that, the sequence numbers of the steps in this embodiment do not represent a limitation on the execution order of the steps.

Although the present invention is disclosed above, the present invention is not limited thereto. Various changes and modifications may be effected therein by one skilled in the art without departing from the spirit and scope of the invention as defined in the appended claims.

Claims

1. An offline settlement transaction method, comprising:

the customer terminal equipment scans the selected commodity to obtain commodity information;

the customer terminal equipment sends a settlement request to a merchant settlement system, wherein the settlement request is used for requesting settlement verification of the commodity information;

the customer terminal equipment receives a settlement verification response from the merchant settlement system;

and if the settlement verification response indicates that the settlement verification is successful, the customer terminal device sends payment information to a central bank currency management system, wherein the payment information is used for indicating the central bank currency management system to execute payment from a first account to a second account, the first account is an account bound by the customer terminal device, and the second account is an account bound by the merchant settlement system.

2. The method of claim 1, wherein prior to the customer terminal device scanning the selected product, further comprising:

when the customer terminal equipment is in communication connection with the merchant settlement system, sending an identity verification request to the merchant settlement system to request verification of identity information of a first account bound with the customer terminal equipment;

and the customer terminal equipment receives and stores second account information sent by the merchant settlement system, wherein the second account information is sent by the merchant settlement system after the identity of the first account is successfully verified, and the second account information is used for indicating the information of the second account bound by the merchant settlement system.

3. The method of claim 2, wherein prior to the customer terminal device receiving the second account information sent by the merchant settlement system, the method further comprises:

and the customer terminal equipment receives an authentication response from the merchant settlement system, wherein the authentication response is used for indicating whether authentication is successful or not.

4. The offline settlement transaction method of claim 3, further comprising:

5. The method of claim 2, wherein the identity information of the first account includes at least one of: user information of a first user, information of the first account, credit information of the first user, wherein:

the user information includes at least one of: face information, fingerprint information, pupil information and identification information;

the credit information of the first user comprises at least one of the following: store consumption records, credit record information, member level information;

the first user is a user of a first account.

6. The offline settlement transaction method of claim 1, wherein said customer terminal device scans selected goods to obtain goods information, comprising:

when the customer terminal device detects the scanning operation, sending a commodity information acquisition request to the merchant settlement system, wherein the commodity information acquisition request is used for requesting to acquire and verify commodity information;

the customer terminal equipment receives a commodity information acquisition verification response from the merchant settlement system;

and if the commodity information acquisition verification response indicates that the verification is successful, the customer terminal equipment acquires the scanned commodity information of the selected commodity.

7. The method of claim 1, wherein the customer terminal device scans selected items, including any of:

the customer terminal equipment scans the two-dimensional code of the selected commodity;

the customer terminal device scans the bar code of the selected commodity;

and the customer terminal equipment scans the radio frequency label of the selected commodity.

8. The offline settlement transaction method of claim 1, wherein the type of the first account and the second account is a digital currency wallet account.

9. The offline settlement transaction method according to claim 8, wherein the commodity information includes value information of a commodity and a commodity identification, the method further comprising:

before the customer terminal device sends a settlement request to the merchant settlement system, the customer terminal device inputs the value information of the commodity and the commodity identification into a digital currency settlement system on the customer terminal device;

and the customer terminal equipment generates a payment source digital currency character string set according to the address of the digital currency wallet account, the payment amount and a second account, and takes the payment source digital currency character string set as the payment information.

10. The method of claim 1, further comprising:

and if the settlement verification response indicates that the settlement verification is successful, the customer terminal equipment outputs a settlement verification success prompt.

11. The method of claim 1, further comprising:

the customer terminal device detects an association releasing operation, or detects no scanning selected commodity within a preset time period, or detects no settlement operation within a preset time period, and sends an association releasing request to the merchant settlement system, wherein the association releasing request is used for requesting termination of commodity value information acquisition permission and settlement permission of the customer terminal device, the commodity value information acquisition permission is used for allowing the customer terminal device to acquire commodity information, the settlement permission is used for allowing the customer terminal device to execute settlement operation, the association releasing request comprises settlement information, and the settlement information is used for representing that the first account has successfully paid to the second account;

and the customer terminal equipment receives a correlation release notice from the merchant settlement system and deletes the stored second account information.

12. An offline settlement transaction method, comprising:

the merchant settlement system receives a settlement request from customer terminal equipment and performs settlement verification on commodity information according to the settlement request, wherein the settlement request is used for requesting settlement verification on the commodity information, and the commodity information is obtained by scanning a selected commodity through the customer terminal equipment;

if the settlement verification is successful, the merchant settlement system opens the settlement authority to the customer terminal equipment and sends a settlement verification response to the customer terminal equipment, wherein the settlement verification response is used for indicating that the settlement verification is successful;

the merchant settlement system receives collection information from a central bank money management system, wherein the collection information is used for instructing the central bank money management system to execute collection from a second account to a first account, the first account is an account bound by the customer terminal device, and the second account is an account bound by the merchant settlement system.

13. The method of claim 12, wherein prior to the merchant settlement system receiving a settlement request from a customer terminal device, further comprising:

the merchant settlement system receives an identity verification request from the customer terminal equipment, wherein the identity verification request is used for requesting verification of identity information of the first account;

the merchant settlement system verifies the identity information of the first account;

if the identity verification is successful, the merchant settlement system opens the commodity value reading permission to the customer terminal equipment;

and the merchant settlement system sends second account information to the customer terminal equipment, wherein the second account information is used for indicating the information of a second account bound by the merchant settlement system.

14. The method of claim 13, further comprising:

and if the identity authentication is successful, the merchant settlement system sends an identity authentication response to the customer terminal equipment, wherein the identity authentication response is used for indicating whether the identity authentication is successful or not.

15. The method of claim 13, further comprising:

the merchant settlement system receives an association release request from the customer terminal equipment, wherein the association release request is used for requesting termination of the commodity value information acquisition permission and the settlement permission, the association release request comprises settlement information, and the settlement information is used for representing that the first account successfully pays the second account;

the merchant settlement system carries out association release verification according to the completed payment information and the settlement information;

if the association release verification is passed, the merchant settlement system terminates opening the commodity value reading right and the settlement right to the customer terminal device.

16. The method of claim 13, wherein the identity information of the first account includes at least one of: user information of a first user, information of the first account, credit information of the first user, wherein:

the first user is a user of a first account.

17. The method of claim 12, wherein prior to the merchant settlement system receiving a settlement request from a customer terminal device, further comprising:

the merchant settlement system receives a commodity information acquisition request from the customer terminal equipment, wherein the commodity information acquisition request is used for requesting to acquire and verify commodity information;

the merchant settlement system acquires and verifies the commodity information according to the commodity information acquisition request;

and the merchant settlement system sends a commodity information acquisition verification response to the customer terminal equipment, wherein the commodity information acquisition verification response is used for indicating whether the acquisition verification is successful or not.

18. The offline settlement transaction method of claim 12, wherein said settlement request includes commodity value information, commodity identification, and identity information of said first account requesting settlement of a commodity, and said performing settlement verification on the commodity information according to said settlement request comprises:

the merchant settlement system judges whether the commodity value information of the commodity requested to be settled is the same as the commodity value information recorded in the merchant settlement system or not according to the commodity identification;

the merchant settlement system judges whether the identity authentication of the first account passes according to the identity information of the first account;

and if the commodity value information of the commodity requested to be settled is the same as the commodity value information recorded in the merchant settlement system and the identity authentication of the first account passes, the merchant settlement system judges that the settlement verification is successful.

19. The method of claim 12, wherein the first account and the second account are both digital money wallet accounts and the payment information includes a payment destination digital money string set.

20. An offline settlement transaction apparatus, comprising:

the scanning unit is used for scanning the selected commodity by the customer terminal equipment to acquire commodity information;

a settlement request sending unit, configured to send a settlement request to a merchant settlement system by the customer terminal device, where the settlement request is used to request settlement verification for the commodity information;

a settlement verification response receiving unit, configured to receive, by the customer terminal device, a settlement verification response from the merchant settlement system;

and the payment information sending unit is used for sending payment information to a central bank currency management system by the customer terminal device if the settlement verification response indicates that the settlement verification is successful, wherein the payment information is used for indicating the central bank currency management system to execute payment from a first account to a second account, the first account is an account bound by the customer terminal device, and the second account is an account bound by the merchant settlement system.

21. An offline settlement transaction device, comprising:

a settlement request receiving unit, configured to receive, by a merchant settlement system, a settlement request from a customer terminal device, and perform settlement verification on commodity information according to the settlement request, where the settlement request is used to request settlement verification on the commodity information, and the commodity information is obtained by scanning a selected commodity through the customer terminal device;

a second permission opening unit, configured to, if the settlement verification is successful, open the settlement permission to the customer terminal device by the merchant settlement system, and send a settlement verification response to the customer terminal device, where the settlement verification response is used to indicate that the settlement verification is successful;

and the payment information receiving unit is used for receiving the collection information from the central bank money management system by the merchant settlement system, wherein the collection information is used for instructing the central bank money management system to execute collection from a second account to a first account, the first account is an account bound by the customer terminal equipment, and the second account is an account bound by the merchant settlement system.

22. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the offline settlement transaction method of any one of claims 1 to 11, or carries out the steps of the offline settlement transaction method of any one of claims 12 to 19.

23. An offline settlement transaction apparatus comprising a memory and a processor, the memory having stored thereon a computer program operable on the processor, wherein the processor executes the computer program to perform the steps of the offline settlement transaction method of any one of claims 1 to 11 or to perform the steps of the offline settlement transaction method of any one of claims 12 to 19.

24. A settlement transaction processing system, comprising: a customer terminal device for performing the steps of the offline settlement transaction method of any one of claims 1 to 11, and a merchant settlement system for performing the steps of the offline settlement transaction method of any one of claims 12 to 19.