CN101211435A - System and method for accomplishing off-line transfer transaction - Google Patents
System and method for accomplishing off-line transfer transaction Download PDFInfo
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- CN101211435A CN101211435A CNA2006101478567A CN200610147856A CN101211435A CN 101211435 A CN101211435 A CN 101211435A CN A2006101478567 A CNA2006101478567 A CN A2006101478567A CN 200610147856 A CN200610147856 A CN 200610147856A CN 101211435 A CN101211435 A CN 101211435A
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Abstract
The invention discloses a system and a method for realizing offline transfer transaction, which can achieve point-to-pint offline transfer transaction by a mobile communication device in the case of without network support, in which the system comprises the following parts: a back stage transaction system for recording and managing the account and transaction information of transfer transaction user; a paying side mobile communication device which has a wireless communication interface, and a microprocessor of the device is provided with a transaction software; a gathering side mobile communication device which has a wireless communication interface which matches with the paying side mobile communication device, and a microprocessor of the device is also provided with a transaction software. The method comprises the following steps: performing pre-charging for the paying side mobile communication device through the back stage transaction system; the paying side user and the gathering side user use respectively the paying side mobile communication device and the gathering side mobile communication device to perform offline transfer transaction activity; the paying side user and the gathering side user perform respectively liquidation through the back stage transaction system.
Description
Technical field
The present invention relates to a kind of money transfer transactions system, relate in particular to a kind of system of the off-line the realized money transfer transactions based on mobile communication equipment.The invention still further relates to a kind of method of using said system to realize the off-line money transfer transactions.
Background technology
At present, use mobile communication equipment, carry out money transfer transactions as mobile phone, PDA etc. and mainly comprise following two kinds of forms: first kind of mode is similar to Web bank, carries out transfer transactions by wireless network; The second way is carried out transfer transactions by the mode that mobile communication equipment sends SMS message.These two kinds of modes of doing business all rely on serious to network, do not have just not transaction of network, promptly can't carry out the money transfer transactions activity of off-line type under the environment that breaks away from network.
Summary of the invention
Technical matters to be solved by this invention provides a kind of system that realizes the off-line money transfer transactions, can utilize mobile communication equipment not having to realize point-to-point off-line type money transfer transactions under the situation of network support.The present invention also provides a kind of method that realizes the off-line money transfer transactions by this system for this reason.
For solving the problems of the technologies described above, the invention provides a kind of system that realizes the off-line money transfer transactions, comprising:
The backstage transaction system is used to write down and manage money transfer transactions user's account and Transaction Information;
The paying party mobile communication equipment has wireless communication interface, on the microprocessor of this equipment transaction software is housed;
The beneficiary mobile communication equipment has the wireless communication interface that is complementary with described paying party mobile communication equipment, and transaction software also is housed on the microprocessor of this equipment.
The present invention also provides a kind of method of carrying out the off-line money transfer transactions, comprising:
(1) by the backstage transaction system paying party mobile communication equipment is carried out pre-charging steps;
(2) paying party user and beneficiary user use the step that paying party mobile communication equipment and beneficiary mobile communication equipment carry out the activity of off-line money transfer transactions respectively;
(3) paying party user and the beneficiary user step of clearing by the backstage transaction system respectively.
The present invention is owing to adopted technique scheme, has such beneficial effect, i.e. storage and processing power by utilizing mobile communication equipment, and bluetooth can be installed, wireless communication interfaces such as infrared or IP radio carry out the characteristics of point-to-point communication, and by carrying out before the activity of point-to-point off-line money transfer transactions the mobile communication equipment of paying party being supplemented with money in advance the payment both sides, with the mode of after the activity of point-to-point off-line money transfer transactions, the account of paying both sides being cleared, realized and not had carrying out point-to-point off-line type money transfer transactions under the situation of network support, and on money transfer transactions both sides' mobile communication equipment, need not additional any chip.
Description of drawings
The present invention is further detailed explanation below in conjunction with the drawings and specific embodiments:
Fig. 1 is an exemplary system structured flowchart of realizing the off-line money transfer transactions of the present invention;
Fig. 2 utilizes money transfer transactions of the present invention system to realize the schematic flow sheet of off-line type money transfer transactions;
Schematic flow sheet when Fig. 3 receipt and payment both sides carry out the activity of off-line money transfer transactions.
Embodiment
Be illustrated in figure 1 as an embodiment who realizes the system of off-line money transfer transactions of the present invention, this system comprises:
The backstage transaction system is used to write down and manage money transfer transactions user's account and Transaction Information.
The paying party mobile communication equipment has wireless communication interface on this equipment, as blue tooth interface, infrared interface etc., is used for realizing carrying out point-to-point communication with the beneficiary mobile communication equipment; Special transaction software is housed on the microprocessor of this equipment, and the paying party user can carry out interactive operation on this transaction software, the transaction communications between final realization and backstage transaction system and beneficiary mobile communication equipment.Wherein said paying party mobile communication equipment can be a mobile phone as shown in Figure 1, also can be various portable terminals such as PDA, notebook computer.
The beneficiary mobile communication equipment has the wireless communication interface that is complementary with the paying party mobile communication equipment on this equipment, as blue tooth interface, infrared interface etc., be used for realizing carrying out point-to-point communication with the beneficiary mobile communication equipment; Special transaction software also is housed on the microprocessor of this equipment, and the beneficiary user can carry out interactive operation on this transaction software, final realize with backstage transaction system and paying party mobile communication equipment between communicate by letter.Wherein said beneficiary mobile communication equipment can be a mobile phone as shown in Figure 1, also can be various portable terminals such as PDA, notebook computer.
Be illustrated in figure 2 as the exemplary process diagram of utilizing money transfer transactions of the present invention system to realize the off-line type money transfer transactions, comprise following three steps:
The first step, the paying party user supplements with money in advance to the paying party mobile communication equipment.Before carrying out the off-line money transfer transactions, the paying party user need use the transaction software that is installed on its mobile communication equipment (as mobile phone, PDA, notebook computer etc.) microprocessor by the backstage transaction system this mobile communication equipment to be supplemented with money in advance, wherein supplement the amount of money in advance with money and will be stored in separately on the storer of described paying party mobile communication equipment, be specifically designed to the money transfer transactions behavior between the user.This process of supplementing with money in advance is the prerequisite that guarantees that the off-line money transfer transactions can realize.
In one embodiment, described specific implementation process of supplementing process in advance with money is as follows:
The paying party user uses its trading password to enter the transaction software that is installed on its mobile communication equipment; Supplement the amount of money and payment cipher in advance with money by described transaction software input, send pre-charging information to the backstage transaction system; The backstage transaction system is checked paying party user's identity code and payment cipher after receiving described charging information, if confirmation then will supplement the amount of money in advance with money and reduce from described paying party user's account is filled in the paying party mobile communication equipment; The paying party mobile communication equipment is stored in the described amount of money of supplementing with money in advance separately in its storer, is specifically designed to the money transfer transactions under the offline mode; After money transfer transactions finished, the remaining sum of supplementing the amount of money in advance with money that the paying party user can be stored in these separately in the mobile communication equipment was returned among the account of backstage transaction system management by transaction software.
In second step, paying party user and beneficiary user use mobile communication equipment separately to pass through wireless communication interface respectively, carry out the activity of point-to-point off-line money transfer transactions as blue tooth interface, infrared interface etc. and transaction software.This off-line money transfer transactions activity can have enough remaining sum and these of supplementing with money in advance and supplement remaining sum in advance with money and be in the random time under the non-frozen state and carry out in the paying party mobile communication equipment.
With reference to shown in Figure 3, in one embodiment, the specific implementation process of described off-line money transfer transactions activity is as follows:
(1) the paying party mobile communication equipment is set up point-to-point the connection with the beneficiary mobile communication equipment by wireless communication interface (as blue tooth interface);
(2) the paying party user uses the transaction software be installed on its mobile communication equipment to send " Transaction Information ", " debit's user name " and unique transaction code of being generated automatically by the money transfer transactions system etc. to the beneficiary user, and wherein said Transaction Information can be paying party identity code, dealing money etc.;
(3) the beneficiary user is by after being installed in transaction software on its mobile communication equipment and receiving above-mentioned Transaction Information, paying party user input " debit's user name " is checked, if confirmation then write down described transaction code, and to the paying party prompting input money transfer transactions amount of money;
(4) confirm to send behind the paying party input dealing money, after the beneficiary mobile communication equipment is received dealing money information, on its display, show Transaction Information, and confirm to submit to by the beneficiary user, wherein said Transaction Information comprises receipt and payment both sides' user profile, the money transfer transactions amount of money and exchange hour etc.;
(5), show on its display then whether described Transaction Information and prompting transfer accounts if the paying party mobile communication equipment has been received the affirmation information of beneficiary;
(6) after the paying party user determines payment, select to determine Payment Options.
Above-mentioned steps (2) to (6) can be generically and collectively referred to as the off-line safety certification process of transferring accounts.
(7) after the paying party user confirms payment, the inspection of paying party mobile communication equipment is stored in the remaining sum of supplementing with money in its storer, reduce the money transfer transactions amount of money the remaining sum from described supplementing with money, send Transaction Information to the beneficiary mobile communication equipment then, and this transaction is preserved in order to clearing;
(8) after the beneficiary mobile communication equipment is received the Transaction Information of paying party mobile communication equipment transmission, this Transaction Information is stored in its storer, but at this moment its remaining sum does not increase, the amount of money of money transfer transactions part is frozen (promptly, the fund of receiving of transferring accounts must not use before clearance), wait for clearance in the future, the fund of receiving behind the clearance does not reflect in the mobile phone remaining sum, only reflects in client's account.
Above-mentioned steps (7) and (8) can be generically and collectively referred to as the off-line process of supplementing with money of transferring accounts.
The 3rd the step, in order finally to finish the off-line money transfer transactions, behind above-mentioned off-line money transfer transactions activity end, paying party must clear within a certain period of time otherwise above-mentioned money transfer transactions activity with invalid; Beneficiary also should be essential clear within a certain period of time, otherwise can't carry out other transaction.
In one embodiment, the receipt and payment both sides detailed process of clearing is as follows:
Paying party is when clearing with the backstage transaction system, at first Transaction Information is sent to backstage transaction system backup, last remaining sum after will concluding the business then is returned to the account of oneself, and the backstage transaction system will be freezed to finish until all beneficiary clearances to this remaining sum when returning remaining sum;
Beneficiary at first is sent to Transaction Information backstage transaction system backup when clearing with the backstage transaction system, the backstage transaction system can finish described money transfer transactions amount of money automatic stay until the paying party clearance then;
After the receipt and payment both sides clear end, the backstage transaction system is checked the money transfer transactions amount of money according to transaction code, the money transfer transactions amount of money of beneficiary if confirmation is then thawed, wherein the remaining sum of this money transfer transactions amount of money can only be used for the money transfer transactions behavior between the user, and can not be used for other trading activities;
Transferring accounts of paying party supplemented with money carry out confirmation with the money transfer transactions amount of money after, the money transfer transactions system last amount of money in paying party transaction back that will thaw, wherein these last amount of money can only be used for the money transfer transactions behavior between the user, and can not be used for other trading activity.
In sum, method of the present invention can make the money transfer transactions activity move under off-line state, and without any need for special additional chips, utilize the storer of mobile communication equipment itself and microprocessor is encrypted and stores processor, and utilize wireless communication interface (bluetooth, infrared etc.) to carry out point-to-point communication, transfer accounts and the transaction such as payment of wholesale applicable to the individual less demanding to transactions velocity, that the amount of money is bigger.
Claims (10)
1. the system that can realize the off-line money transfer transactions is characterized in that, comprising:
The backstage transaction system is used to write down and manage money transfer transactions user's account and Transaction Information;
The paying party mobile communication equipment has wireless communication interface, on the microprocessor of this equipment transaction software is housed;
The beneficiary mobile communication equipment has the wireless communication interface that is complementary with described paying party mobile communication equipment, and transaction software also is housed on the microprocessor of this equipment.
2. the system that realizes the off-line money transfer transactions according to claim 1 is characterized in that, described wireless communication interface is blue tooth interface or infrared interface.
3. a method of using the described system of claim 1 to carry out the off-line money transfer transactions is characterized in that, comprising:
(1) by the backstage transaction system paying party mobile communication equipment is carried out pre-charging steps;
(2) paying party user and beneficiary user use the step that paying party mobile communication equipment and beneficiary mobile communication equipment carry out the activity of off-line money transfer transactions respectively;
(3) paying party user and the beneficiary user step of clearing by the backstage transaction system respectively.
4. method of carrying out the off-line money transfer transactions according to claim 3 is characterized in that, further comprises by described step (1):
The paying party user sends the step of supplementing the amount of money and payment cipher in advance with money by transaction software to the backstage transaction system;
The step that described backstage transaction system is checked the identity and the payment cipher of paying party;
Described backstage transaction system will be supplemented the amount of money in advance with money and be reduced from paying party user's account, fill the step in described paying party mobile communication equipment; And
Described paying party mobile communication equipment is stored in step in its storer with the described amount of money of supplementing with money in advance.
5. method of carrying out the off-line money transfer transactions according to claim 4 is characterized in that, the described amount of money of supplementing with money in advance can only be used for the money transfer transactions behavior.
6. method of carrying out the off-line money transfer transactions according to claim 3 is characterized in that, described step (2) further comprises:
Paying party mobile communication equipment and beneficiary mobile communication equipment at first connect by wireless communication interface;
Paying party mobile communication equipment and beneficiary mobile communication equipment carry out the transfer accounts process of safety certification of off-line by transaction software;
Paying party mobile communication equipment and beneficiary mobile communication equipment carry out the process that off-line is transferred accounts and supplemented with money by transaction software.
7. method of carrying out the off-line money transfer transactions according to claim 6 is characterized in that, the transfer accounts process of safety certification of described off-line comprises:
Paying party carries out the step of identity validation to beneficiary transmission Transaction Information and beneficiary;
The step that the receipt and payment both sides confirm Transaction Information;
The step that the paying party affirmation is transferred accounts.
8. the method for off-line money transfer transactions according to claim 7 is characterized in that, described Transaction Information comprises receipt and payment both sides' user profile, the money transfer transactions amount of money and exchange hour at least.
9. method of carrying out the off-line money transfer transactions according to claim 6 is characterized in that, the described off-line process of supplementing with money of transferring accounts comprises:
The inspection of paying party mobile communication equipment is stored in the remaining sum of supplementing with money in its storer, reduces the money transfer transactions amount of money the remaining sum from described supplementing with money, sends Transaction Information to the beneficiary mobile communication equipment then, and preserves in order to clear in the future;
The beneficiary mobile communication equipment this Transaction Information is stored in its storer, but at this moment its remaining sum does not increase after receiving the Transaction Information of paying party mobile communication equipment transmission, and the amount of money of money transfer transactions part is frozen, waits for clearance in the future.
10. method of carrying out the off-line money transfer transactions according to claim 3 is characterized in that, described step (3) further comprises:
The step that paying party is cleared by the backstage transaction system;
The step that beneficiary is cleared by the backstage transaction system;
After the receipt and payment both sides cleared end, to the step that the money transfer transactions amount of money of beneficiary thaws, the money transfer transactions amount of money of the beneficiary after wherein said the thawing can only be used for the money transfer transactions behavior;
The step that the last amount of money of paying party is thawed.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006101478567A CN101211435A (en) | 2006-12-25 | 2006-12-25 | System and method for accomplishing off-line transfer transaction |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006101478567A CN101211435A (en) | 2006-12-25 | 2006-12-25 | System and method for accomplishing off-line transfer transaction |
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| CN101211435A true CN101211435A (en) | 2008-07-02 |
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| CNA2006101478567A Pending CN101211435A (en) | 2006-12-25 | 2006-12-25 | System and method for accomplishing off-line transfer transaction |
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Cited By (17)
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| CN102468960A (en) * | 2010-11-16 | 2012-05-23 | 卓望数码技术（深圳）有限公司 | Off-line mode identity and transaction authentication method and terminal |
| CN102568113A (en) * | 2010-12-13 | 2012-07-11 | 中兴通讯股份有限公司 | Module, device, system and method for capital transfer among electronic purses of mobile terminals |
| CN103150812A (en) * | 2011-12-07 | 2013-06-12 | 国民技术股份有限公司 | Method and system for transferring money value among electronic wallets |
| CN103455735A (en) * | 2013-09-03 | 2013-12-18 | 百度在线网络技术（北京）有限公司 | Electronic payment document processing method and device |
| CN103617532A (en) * | 2013-12-16 | 2014-03-05 | 杭州信雅达科技有限公司 | Offline payment and collection method and device for mobile terminals |
| CN103873260A (en) * | 2014-03-31 | 2014-06-18 | 联想(北京)有限公司 | Information transmission method, electronic device and server |
| CN104537533A (en) * | 2014-12-25 | 2015-04-22 | 李思贤 | Short distance induction type payment method and system |
| CN104936128A (en) * | 2014-12-08 | 2015-09-23 | 深圳市腾讯计算机系统有限公司 | Off-line data transfer method, device and system |
| CN105631661A (en) * | 2015-04-27 | 2016-06-01 | 宇龙计算机通信科技(深圳)有限公司 | Offline payment method, offline payment device and off-line payment system |
| CN106161528A (en) * | 2015-04-07 | 2016-11-23 | 阿里巴巴集团控股有限公司 | A kind of method and device for business processing |
| CN103150812B (en) * | 2011-12-07 | 2016-12-14 | 国民技术股份有限公司 | Amount of money value transfer method and system between a kind of stored value card |
| WO2017012077A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Network transaction-based refill method and device |
| CN106412041A (en) * | 2016-09-20 | 2017-02-15 | 徐蔚 | System for connecting mobile terminal with service providing equipment and service providing method |
| CN107665427A (en) * | 2017-08-22 | 2018-02-06 | 阿里巴巴集团控股有限公司 | A kind of offline electronic payment, business processing, the method and device of payment processes |
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- 2006-12-25 CN CNA2006101478567A patent/CN101211435A/en active Pending
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| CN102568113A (en) * | 2010-12-13 | 2012-07-11 | 中兴通讯股份有限公司 | Module, device, system and method for capital transfer among electronic purses of mobile terminals |
| CN103150812B (en) * | 2011-12-07 | 2016-12-14 | 国民技术股份有限公司 | Amount of money value transfer method and system between a kind of stored value card |
| CN103150812A (en) * | 2011-12-07 | 2013-06-12 | 国民技术股份有限公司 | Method and system for transferring money value among electronic wallets |
| CN103455735A (en) * | 2013-09-03 | 2013-12-18 | 百度在线网络技术（北京）有限公司 | Electronic payment document processing method and device |
| CN103455735B (en) * | 2013-09-03 | 2017-05-03 | 百度在线网络技术（北京）有限公司 | Electronic payment document processing method and device |
| CN103617532A (en) * | 2013-12-16 | 2014-03-05 | 杭州信雅达科技有限公司 | Offline payment and collection method and device for mobile terminals |
| CN103873260A (en) * | 2014-03-31 | 2014-06-18 | 联想(北京)有限公司 | Information transmission method, electronic device and server |
| CN103873260B (en) * | 2014-03-31 | 2018-07-06 | 联想(北京)有限公司 | A kind of information transferring method, electronic equipment and server |
| CN104936128A (en) * | 2014-12-08 | 2015-09-23 | 深圳市腾讯计算机系统有限公司 | Off-line data transfer method, device and system |
| CN104537533A (en) * | 2014-12-25 | 2015-04-22 | 李思贤 | Short distance induction type payment method and system |
| CN106161528A (en) * | 2015-04-07 | 2016-11-23 | 阿里巴巴集团控股有限公司 | A kind of method and device for business processing |
| CN110830556B (en) * | 2015-04-07 | 2022-01-28 | 创新先进技术有限公司 | Service processing method and device |
| CN106161528B (en) * | 2015-04-07 | 2019-09-17 | 阿里巴巴集团控股有限公司 | A kind of method and device for business processing |
| CN110830556A (en) * | 2015-04-07 | 2020-02-21 | 阿里巴巴集团控股有限公司 | Service processing method and device |
| CN105631661A (en) * | 2015-04-27 | 2016-06-01 | 宇龙计算机通信科技(深圳)有限公司 | Offline payment method, offline payment device and off-line payment system |
| WO2017012077A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Network transaction-based refill method and device |
| CN106412041A (en) * | 2016-09-20 | 2017-02-15 | 徐蔚 | System for connecting mobile terminal with service providing equipment and service providing method |
| CN106412041B (en) * | 2016-09-20 | 2020-03-03 | 徐蔚 | System for connecting mobile terminal with service providing equipment and service providing method |
| US11295292B2 (en) | 2016-09-20 | 2022-04-05 | Wei Xu | System built by connection between a mobile terminal and a service providing device, and service providing method |
| CN107665427A (en) * | 2017-08-22 | 2018-02-06 | 阿里巴巴集团控股有限公司 | A kind of offline electronic payment, business processing, the method and device of payment processes |
| TWI696135B (en) * | 2017-08-22 | 2020-06-11 | 香港商阿里巴巴集團服務有限公司 | Method and device for off-line payment, business processing, and payment processing |
| US10692091B2 (en) | 2017-08-22 | 2020-06-23 | Alibaba Group Holding Limited | Method and apparatus for offline payment, service processing, and payment processing |
| US10872342B2 (en) | 2017-08-22 | 2020-12-22 | Advanced New Technologies Co., Ltd. | Method and apparatus for offline payment, service processing, and payment processing |
| US11113697B2 (en) | 2017-08-22 | 2021-09-07 | Advanced New Technologies Co., Ltd. | Method and apparatus for offline payment, service processing, and payment processing |
| US11836732B2 (en) | 2017-08-22 | 2023-12-05 | Advanced New Technologies Co., Ltd. | Method and apparatus for offline payment, service processing, and payment processing |
| CN109472588A (en) * | 2018-10-29 | 2019-03-15 | 平安科技（深圳）有限公司 | A kind of offline electronic payment method, apparatus, equipment and storage medium based on block chain |
| CN109636383A (en) * | 2018-12-19 | 2019-04-16 | 中移电子商务有限公司 | A kind of digital asset off-network method of commerce, system, a kind of off line wallet and terminal |
| CN111062724A (en) * | 2019-11-22 | 2020-04-24 | 陈晓晖 | Double-off-line account transfer transaction method and system |
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Open date: 20080702 |