CN116167759A - Off-line payment method and system based on SIM card - Google Patents

Off-line payment method and system based on SIM card Download PDF

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Publication number
CN116167759A
CN116167759A CN202310460083.1A CN202310460083A CN116167759A CN 116167759 A CN116167759 A CN 116167759A CN 202310460083 A CN202310460083 A CN 202310460083A CN 116167759 A CN116167759 A CN 116167759A
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current
payment
sim card
offline consumption
password
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刘源
陈辉炎
朱轩平
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Beijing Daye Smart Data Technology Service Co ltd
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Beijing Daye Smart Data Technology Service Co ltd
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Priority to CN202310460083.1A priority Critical patent/CN116167759A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
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Abstract

The invention discloses an offline payment method and system based on a SIM card, and relates to the technical field of computers. The method comprises the following steps: when the mobile phone is in a disconnected state, the non-contact reader-writer encrypts the current password, if the ciphertext of the current password is the same as the ciphertext of the payment password in the current SIM card sector, the current offline consumption amount input by a user is obtained, and when the sum of the current offline consumption amount and the accumulated offline consumption amount is not greater than the offline consumption limit, the accumulated offline consumption amount stored in the current SIM card sector is updated; when the mobile phone is in a networking state, the payment client side sends the card number of the current SIM card and the updated accumulated offline consumption amount to the cloud platform management side; the cloud platform management end determines current bank card information associated with the card number of the current SIM card, and invokes a payment interface provided by a corresponding bank to transfer accounts. According to the embodiment, overdraft consumption can be carried out in a mobile phone network disconnection state.

Description

Off-line payment method and system based on SIM card
Technical Field
The invention relates to the technical field of computers, in particular to an offline payment method and system based on a SIM card.
Background
In an actual application scene, a client provided by a third party is installed in a mobile phone of a user, and in a networking state, the user can finish payment by displaying a client two-dimensional code or scanning a payee two-dimensional code. However, when the mobile phone is in a disconnected state due to power failure or damage, the existing method cannot consume, and the user can only wait for the mobile phone to recover the network connection to consume.
Disclosure of Invention
In view of the above, the embodiment of the invention provides an offline payment method and system based on a SIM card, which can carry out overdraft consumption in a mobile phone network disconnection state and reduce the influence of network disconnection on a user.
In a first aspect, an embodiment of the present invention provides an offline payment method based on a SIM card, including:
when a mobile phone is in a network disconnection state, a non-contact reader-writer acquires a current password input by a user, encrypts the current password, acquires a ciphertext of a payment password from a sector of a current SIM card, verifies whether the ciphertext of the current password is identical to the ciphertext of the payment password, acquires a current offline consumption amount input by the user if the ciphertext of the current password is identical to the ciphertext of the payment password, acquires a stored accumulated offline consumption amount and an offline consumption limit from the sector of the current SIM card, and updates the accumulated offline consumption amount stored in the sector of the current SIM card based on the sum of the current offline consumption amount and the accumulated offline consumption amount when the sum of the current offline consumption amount and the accumulated offline consumption amount is not greater than the offline consumption limit;
when the mobile phone is in a networking state, the payment client side sends the card number of the current SIM card and the updated accumulated offline consumption amount to a cloud platform management side;
the cloud platform management end determines current bank card information related to the card number of the current SIM card based on the pre-stored card number of the SIM card and the related bank card information, and calls a payment interface provided by a corresponding bank based on the current bank card information and the updated accumulated offline consumption amount so that the bank transfers accounts according to the bank card information and the updated accumulated offline consumption amount.
In a second aspect, an embodiment of the present invention provides an offline payment system based on a SIM card, including: the payment system comprises a non-contact reader, a payment client and a cloud platform management end;
the non-contact reader-writer is used for acquiring a current password input by a user when the mobile phone is in a network disconnection state, encrypting the current password, acquiring a ciphertext of a payment password from a sector of a current SIM card, verifying whether the ciphertext of the current password is identical to the ciphertext of the payment password, acquiring a current offline consumption amount input by the user if the ciphertext of the current password is identical to the ciphertext of the payment password, acquiring a stored accumulated offline consumption amount and an offline consumption limit from the sector of the current SIM card, and updating the accumulated offline consumption amount stored in the sector of the current SIM card based on the sum of the current offline consumption amount and the accumulated offline consumption amount when the sum of the current offline consumption amount and the accumulated offline consumption amount is not more than the offline consumption limit;
the payment client is used for sending the card number of the current SIM card and the updated accumulated offline consumption amount to the cloud platform management end when the mobile phone is in a networking state;
the cloud platform management end is used for determining current bank card information related to the card number of the current SIM card based on the pre-stored card number of the SIM card and the related bank card information, and calling a payment interface provided by a corresponding bank based on the current bank card information and the updated accumulated offline consumption amount so that the bank transfers money according to the bank card information and the updated accumulated offline consumption amount.
In a third aspect, an embodiment of the present invention provides an electronic device, including:
one or more processors;
storage means for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method as described in any of the embodiments above.
In a fourth aspect, an embodiment of the present invention provides a computer readable medium, on which a computer program is stored, characterized in that the program, when executed by a processor, implements a method as in any of the embodiments described above.
One embodiment of the above invention has the following advantages or benefits: when the mobile phone is in a network disconnection state, the embodiment of the invention writes the accumulated offline consumption amount into the sector of the SIM card through the non-contact reader-writer, and when the mobile phone is in a network connection state, the accumulated offline consumption amount is sent to the cloud platform management end through the payment client end, so that the cloud platform management end can conveniently finish payment settlement based on the accumulated offline consumption amount, and overdraft consumption of the mobile phone in the network disconnection state is realized. The non-contact reader-writer verifies whether the current password input by the user is correct or not through the ciphertext of the payment password stored in the sector of the SIM card, improves the overdraft consumption safety, limits the overdraft consumption limit through the offline consumption limit, and ensures the fund safety of the user.
Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a flowchart of an offline payment method based on a SIM card according to an embodiment of the present invention;
fig. 2 is a flowchart of an offline payment method based on a SIM card according to another embodiment of the present invention;
FIG. 3 is a schematic diagram of an offline payment system based on a SIM card, according to one embodiment of the present invention;
fig. 4 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
As shown in fig. 1, an embodiment of the present invention provides an offline payment method based on a SIM card, including:
step 101: when the mobile phone is in a disconnected state, the non-contact reader-writer acquires the current password input by the user, encrypts the current password, and acquires the ciphertext of the payment password from the sector of the current SIM card.
Offline payment refers to making a payment in a disconnected state of the mobile phone. The contactless reader/writer may communicate with the SIM card by NFC (Near Field Communication ), ehnfc, SIMPass, or the like. In order to ensure the security of the payment password, the payment password is stored in the sector after being encrypted.
Step 102: the contactless reader/writer verifies whether the ciphertext of the current password is identical to the ciphertext of the payment password, and if so, performs step 103, otherwise, performs step 107.
Step 103: the non-contact reader-writer obtains the current offline consumption amount input by the user, and obtains the stored accumulated offline consumption amount and the offline consumption limit from the sector of the current SIM card.
One or more spending may occur during a offline process, and thus embodiments of the present invention calculate an accumulated offline spending amount.
Step 104: when the sum of the current offline consumption amount and the accumulated offline consumption amount is not greater than the offline consumption limit, the non-contact reader-writer updates the accumulated offline consumption amount stored in the sector of the current SIM card based on the sum of the current offline consumption amount and the accumulated offline consumption amount.
If the sum of the current offline consumption amount and the accumulated offline consumption amount is not greater than the offline consumption limit, the current offline consumption is not exceeding the limit, and the subsequent steps can be executed, otherwise, the user is prompted to exceed the offline consumption limit, and the subsequent steps are not executed.
Step 105: when the mobile phone is in a networking state, the payment client side sends the card number of the current SIM card and the updated accumulated offline consumption amount to the cloud platform management side.
Step 106: the cloud platform management end determines current bank card information related to the card number of the current SIM card based on the pre-stored card number of the SIM card and the related bank card information, and calls a payment interface provided by a corresponding bank based on the current bank card information and the updated accumulated offline consumption amount so that the bank transfers accounts according to the bank card information and the updated accumulated offline consumption amount.
And after the mobile phone resumes networking, the payment client provides relevant information for the cloud platform management end so as to facilitate the cloud platform management end to complete the transfer. Different banks provide different payment interfaces, and in the embodiment of the invention, the cloud platform management end calls the payment interface according to the bank card information and provides the bank card information and the accumulated offline consumption amount to the payment interface. The bank card information may include information such as a bank card number, a cardholder name, and the like.
Step 107: the non-contact reader-writer prompts the user for a password input error.
When the mobile phone is in a network disconnection state, the embodiment of the invention writes the accumulated offline consumption amount into the sector of the SIM card through the non-contact reader-writer, and when the mobile phone is in a network connection state, the accumulated offline consumption amount is sent to the cloud platform management end through the payment client end, so that the cloud platform management end can conveniently finish payment settlement based on the accumulated offline consumption amount, and overdraft consumption of the mobile phone in the network disconnection state is realized. The non-contact reader-writer verifies whether the current password input by the user is correct or not through the ciphertext of the payment password stored in the sector of the SIM card, improves the overdraft consumption safety, limits the overdraft consumption limit through the offline consumption limit, and ensures the fund safety of the user.
In one embodiment of the present invention, when the mobile phone is in the off-line state, before the contactless reader-writer obtains the current password input by the user, the method further includes:
the non-contact reader acquires a locking identifier from a sector of the SIM card, and when the locking identifier characterizes offline payment, the non-contact reader acquires a current password input by a user.
The embodiment of the invention characterizes whether the payment can be taken off-line or not currently through the locking identification, for example, 0 is used for characterizing the payment which can be taken off-line, and 1 is used for characterizing the prohibition of the payment which can be taken off-line. The initial lock identification may default to offline payable or may be set by the user.
In one embodiment of the present invention, when the ciphertext of the current password is different from the ciphertext of the payment password, the method further comprises:
the non-contact reader-writer determines the accumulated times of password input errors, and when the accumulated times are equal to a preset times threshold, the locking identification stored in the sector of the SIM card is updated, so that the updated locking identification represents that offline payment is forbidden.
In order to ensure the fund safety of the user, the embodiment of the invention counts the times of inputting the error password by the user, and if the preset times threshold is reached, the user is forbidden to use offline payment by changing the locking identification.
In one embodiment of the invention, the method further comprises:
when the mobile phone is in a networking state, the payment client acquires current bank card information input by a user, reads a card number of a current SIM card, and sends the card number of the current SIM card and the current bank card information to the cloud platform management end;
and the cloud platform management end correspondingly stores the card number of the current SIM card and the current bank card information.
In the embodiment of the invention, the payment client side provides information required by payment to the cloud platform management side in a networking state so as to facilitate settlement and use. The user can register at the payment client, the payment client sends the information such as the identity card number, the mobile phone number and the like of the user to the cloud platform management end, after the registration is successful, the payment client reads the card number of the SIM card and sends the card number to the cloud platform management end, and of course, the registration information and the card number of the SIM card can also be sent to the cloud platform management end together. The payment client is a client provided by a third party, and the cloud platform management end is a service end provided by the third party and corresponding to the client.
In one embodiment of the invention, the method further comprises:
when the mobile phone is in a networking state, the payment client acquires the payment password and the offline consumption allowance input by the user, encrypts the payment password, and writes the ciphertext of the payment password and the offline consumption allowance into a sector of the current SIM card.
In the practical application scene, the non-contact reader-writer can also acquire the payment password and the offline consumption allowance of the user, and write the ciphertext of the payment password and the offline consumption allowance into the sector of the current SIM card. It should be noted that different kinds of information may be stored in the same sector or in different sectors. For example, the ciphertext of the payment password and the offline consumption allowance are stored in different sectors, respectively.
As shown in fig. 2, an embodiment of the present invention provides an offline payment method based on a SIM card, including:
step 201: when the mobile phone is in a networking state, the payment client acquires current bank card information input by a user, reads the card number of the current SIM card, and sends the card number of the current SIM card and the current bank card information to the cloud platform management end.
The payment client can also acquire identity information such as the identity card number of the user and send the identity information to the cloud platform management end for storage.
Step 202: and the cloud platform management end correspondingly stores the card number of the current SIM card and the current bank card information.
Step 203: the payment client acquires the payment password and the offline consumption limit input by the user, encrypts the payment password, and writes the ciphertext of the payment password and the offline consumption limit into a sector of the current SIM card.
Step 204: when the mobile phone is in a network disconnection state, the non-contact reader-writer acquires a locking identifier from a sector of the SIM card, and when the locking identifier represents offline payment, the non-contact reader-writer is executed to acquire a current password input by a user; and obtaining the current password input by the user, encrypting the current password, and obtaining the ciphertext of the payment password from the sector of the current SIM card.
The initial lock identification default token may be payable offline. And if the mobile phone is in a networking state, the payment client pays according to the existing method.
Step 205: the contactless reader/writer verifies whether the ciphertext of the current password is identical to the ciphertext of the payment password, and if so, performs step 206, otherwise, performs step 210.
Step 206: the non-contact reader-writer obtains the current offline consumption amount input by the user, and obtains the stored accumulated offline consumption amount and the offline consumption limit from the sector of the current SIM card.
The initial accumulated offline consumption amount is 0.
Step 207: when the sum of the current offline consumption amount and the accumulated offline consumption amount is not greater than the offline consumption limit, the non-contact reader-writer updates the accumulated offline consumption amount stored in the sector of the current SIM card based on the sum of the current offline consumption amount and the accumulated offline consumption amount.
Step 208: when the mobile phone is in a networking state, the payment client side sends the card number of the current SIM card and the updated accumulated offline consumption amount to the cloud platform management side.
Step 209: the cloud platform management end determines current bank card information related to the card number of the current SIM card based on the pre-stored card number of the SIM card and the related bank card information, and calls a payment interface provided by a corresponding bank based on the current bank card information and the updated accumulated offline consumption amount so that the bank transfers accounts according to the bank card information and the updated accumulated offline consumption amount.
Step 210: the non-contact reader-writer determines the accumulated times of password input errors, and when the accumulated times are equal to a preset times threshold, the locking identification stored in the sector of the SIM card is updated, so that the updated locking identification represents that offline payment is forbidden.
The embodiment of the invention can provide overdraft consumption service for the user under the condition that the mobile phone is disconnected, and reduce the influence of the disconnection of the mobile phone on the user.
As shown in fig. 3, an embodiment of the present invention provides an offline payment system based on a SIM card, including: a contactless reader-writer 301, a payment client 302, and a cloud platform management end 303;
the non-contact reader 301 is configured to obtain a current password input by a user when the mobile phone is in a disconnected state, encrypt the current password, obtain a ciphertext of a payment password from a sector of the current SIM card, verify whether the ciphertext of the current password is identical to the ciphertext of the payment password, obtain a current offline consumption amount input by the user if the ciphertext is identical to the ciphertext of the payment password, obtain a stored accumulated offline consumption amount and an offline consumption limit from the sector of the current SIM card, and update the accumulated offline consumption amount stored in the sector of the current SIM card based on the sum of the current offline consumption amount and the accumulated offline consumption amount when the sum of the current offline consumption amount and the accumulated offline consumption amount is not greater than the offline consumption limit;
the payment client 302 is configured to send, when the mobile phone is in a networking state, a card number of a current SIM card and an updated accumulated offline consumption amount to the cloud platform management end 303;
the cloud platform management end 303 is configured to determine current bank card information associated with a card number of a current SIM card based on a pre-stored card number of the SIM card and associated bank card information thereof, and call a payment interface provided by a corresponding bank based on the current bank card information and the updated accumulated offline consumption amount, so that the bank transfers accounts according to the bank card information and the updated accumulated offline consumption amount.
In one embodiment of the present invention, the contactless reader/writer 301 is configured to obtain a lock identifier from a sector of the SIM card, and when the lock identifier characterizes offline payable, execute the contactless reader/writer to obtain a current password input by a user; and determining the accumulated times of password input errors, and updating the locking identification stored in the sector of the SIM card when the accumulated times are equal to a preset time threshold value, so that the updated locking identification represents that offline payment is forbidden.
In one embodiment of the present invention, the payment client 302 is configured to obtain current bank card information input by a user when the mobile phone is in a networking state, read a card number of a current SIM card, and send the card number of the current SIM card and the current bank card information to the cloud platform management end 303;
the cloud platform management end 303 is configured to store the card number of the current SIM card and the current bank card information correspondingly.
In one embodiment of the present invention, the payment client 302 is configured to obtain the payment password and the offline consumption allowance input by the user when the mobile phone is in the networking state, encrypt the payment password, and write the ciphertext of the payment password and the offline consumption allowance into the sector of the current SIM card.
The embodiment of the invention provides electronic equipment, which comprises:
one or more processors;
storage means for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of the embodiments described above.
The present invention provides a computer readable medium having stored thereon a computer program which when executed by a processor implements a method as in any of the embodiments described above.
Referring now to FIG. 4, there is illustrated a schematic diagram of a computer system 400 suitable for use in implementing an embodiment of the present invention. The terminal device shown in fig. 4 is only an example, and should not impose any limitation on the functions and the scope of use of the embodiment of the present invention.
As shown in fig. 4, the computer system 400 includes a Central Processing Unit (CPU) 401, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 402 or a program loaded from a storage section 408 into a Random Access Memory (RAM) 403. In RAM 403, various programs and data required for the operation of system 400 are also stored. The CPU 401, ROM 402, and RAM 403 are connected to each other by a bus 404. An input/output (I/O) interface 405 is also connected to bus 404.
The following components are connected to the I/O interface 405: an input section 406 including a keyboard, a mouse, and the like; an output portion 407 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker, and the like; a storage section 408 including a hard disk or the like; and a communication section 409 including a network interface card such as a LAN card, a modem, or the like. The communication section 409 performs communication processing via a network such as the internet. The drive 410 is also connected to the I/O interface 405 as needed. A removable medium 411 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed on the drive 410 as needed, so that a computer program read therefrom is installed into the storage section 408 as needed.
In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 409 and/or installed from the removable medium 411. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 401.
The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described modules may also be provided in a processor, for example, as: a processor includes a sending module, an obtaining module, a determining module, and a first processing module. The names of these modules do not in some cases limit the module itself, and for example, the transmitting module may also be described as "a module that transmits a picture acquisition request to a connected server".
The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims (10)

1. An offline payment method based on a SIM card, comprising:
when a mobile phone is in a network disconnection state, a non-contact reader-writer acquires a current password input by a user, encrypts the current password, acquires a ciphertext of a payment password from a sector of a current SIM card, verifies whether the ciphertext of the current password is identical to the ciphertext of the payment password, acquires a current offline consumption amount input by the user if the ciphertext of the current password is identical to the ciphertext of the payment password, acquires a stored accumulated offline consumption amount and an offline consumption limit from the sector of the current SIM card, and updates the accumulated offline consumption amount stored in the sector of the current SIM card based on the sum of the current offline consumption amount and the accumulated offline consumption amount when the sum of the current offline consumption amount and the accumulated offline consumption amount is not greater than the offline consumption limit;
when the mobile phone is in a networking state, the payment client side sends the card number of the current SIM card and the updated accumulated offline consumption amount to a cloud platform management side;
the cloud platform management end determines current bank card information related to the card number of the current SIM card based on the pre-stored card number of the SIM card and the related bank card information, and calls a payment interface provided by a corresponding bank based on the current bank card information and the updated accumulated offline consumption amount so that the bank transfers accounts according to the bank card information and the updated accumulated offline consumption amount.
2. The method of claim 1, wherein,
when the mobile phone is in a disconnected state, before the non-contact reader-writer obtains the current password input by the user, the method further comprises the following steps:
the non-contact reader acquires a locking identifier from a sector of the SIM card, and when the locking identifier represents offline payment, the non-contact reader acquires a current password input by a user;
when the ciphertext of the current password is different from the ciphertext of the payment password, the method further comprises:
and the non-contact reader-writer determines the accumulated times of password input errors, and when the accumulated times are equal to a preset times threshold, the locking identification stored in the sector of the SIM card is updated, so that the updated locking identification represents that offline payment is forbidden.
3. The method as recited in claim 1, further comprising:
when the mobile phone is in a networking state, the payment client acquires the current bank card information input by the user, reads the card number of the current SIM card, and sends the card number of the current SIM card and the current bank card information to the cloud platform management end;
and the cloud platform management end correspondingly stores the card number of the current SIM card and the current bank card information.
4. The method as recited in claim 1, further comprising:
when the mobile phone is in a networking state, the payment client acquires the payment password and the offline consumption allowance input by the user, encrypts the payment password, and writes the ciphertext of the payment password and the offline consumption allowance into a sector of the current SIM card.
5. An SIM card based offline payment system, comprising: the payment system comprises a non-contact reader, a payment client and a cloud platform management end;
the non-contact reader-writer is used for acquiring a current password input by a user when the mobile phone is in a network disconnection state, encrypting the current password, acquiring a ciphertext of a payment password from a sector of a current SIM card, verifying whether the ciphertext of the current password is identical to the ciphertext of the payment password, acquiring a current offline consumption amount input by the user if the ciphertext of the current password is identical to the ciphertext of the payment password, acquiring a stored accumulated offline consumption amount and an offline consumption limit from the sector of the current SIM card, and updating the accumulated offline consumption amount stored in the sector of the current SIM card based on the sum of the current offline consumption amount and the accumulated offline consumption amount when the sum of the current offline consumption amount and the accumulated offline consumption amount is not more than the offline consumption limit;
the payment client is used for sending the card number of the current SIM card and the updated accumulated offline consumption amount to the cloud platform management end when the mobile phone is in a networking state;
the cloud platform management end is used for determining current bank card information related to the card number of the current SIM card based on the pre-stored card number of the SIM card and the related bank card information, and calling a payment interface provided by a corresponding bank based on the current bank card information and the updated accumulated offline consumption amount so that the bank transfers money according to the bank card information and the updated accumulated offline consumption amount.
6. The system of claim 5, wherein,
the non-contact reader-writer is used for acquiring a locking identifier from a sector of the SIM card, and executing the non-contact reader-writer to acquire a current password input by a user when the locking identifier represents offline payment; and determining the accumulated times of password input errors, and updating the locking identification stored in the sector of the SIM card when the accumulated times are equal to a preset time threshold value, so that the updated locking identification represents that offline payment is forbidden.
7. The system of claim 5, wherein,
the payment client is used for acquiring the current bank card information input by the user when the mobile phone is in a networking state, reading the card number of the current SIM card, and sending the card number of the current SIM card and the current bank card information to the cloud platform management end;
and the cloud platform management end is used for correspondingly storing the card number of the current SIM card and the current bank card information.
8. The system of claim 5, wherein,
and the payment client is used for acquiring the payment password and the offline consumption limit input by the user when the mobile phone is in a networking state, encrypting the payment password, and writing the ciphertext of the payment password and the offline consumption limit into the sector of the current SIM card.
9. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs,
when executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-4.
10. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-4.
CN202310460083.1A 2023-04-26 2023-04-26 Off-line payment method and system based on SIM card Pending CN116167759A (en)

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