CN105931033B - Offline consumption method and device - Google Patents

Offline consumption method and device Download PDF

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Publication number
CN105931033B
CN105931033B CN201510968203.4A CN201510968203A CN105931033B CN 105931033 B CN105931033 B CN 105931033B CN 201510968203 A CN201510968203 A CN 201510968203A CN 105931033 B CN105931033 B CN 105931033B
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China
Prior art keywords
information
bank card
card account
server
amount
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CN201510968203.4A
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CN105931033A (en
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陈成钱
周钰
郭伟
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Priority to CN201510968203.4A priority Critical patent/CN105931033B/en
Publication of CN105931033A publication Critical patent/CN105931033A/en
Priority to PCT/CN2016/110460 priority patent/WO2017107870A1/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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • 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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4093—Monitoring of device authentication

Abstract

The invention discloses a method and a device for off-line consumption.A terminal receives information of an electronic cash card, and acquires information of a bank card account bound with the electronic cash card and an authorized amount corresponding to the bank card account according to the information of the electronic cash card; and if the authorized amount is larger than the offline consumption amount, the terminal deducts the offline consumption amount from the authorized amount. According to the off-line consumption method and device provided by the embodiment of the invention, the terminal directly deducts the off-line consumption amount according to the authorization amount corresponding to the electronic cash card, so that the user does not need to carry out loading on the electronic cash card any more, and the system efficiency and the user requirement matching degree are improved.

Description

Offline consumption method and device
Technical Field
The invention relates to the field of electronic cash, in particular to an off-line consumption method and device.
Background
The electronic cash card stores legal cash balance which can be used for offline consumption, and can meet the application requirements of certain industries (such as public transport, leasing, railways, subways and the like). The off-line consumption function based on electronic cash will gradually become a common payment method in people's daily small-amount consumption. When the electronic cash card account does not have enough money, the electronic cash card account needs to be earmarked. Load refers to the process of deducting a portion of the funds from the cardholder's bank account (i.e., a load account, such as a credit card associated with an electronic cash card), the amount of the deduction being stored on the electronic cash card. Thereby avoiding the risks of carrying cash for change, losing, counterfeit money, robbing and the like.
However, in the conventional off-line consumption of electronic cash, the amount of money cannot be transferred to an excessive amount due to the limitation of the load amount, and therefore, a cardholder needs to frequently load the electronic cash card from a bank account. And the existing electronic cash loading terminal equipment has limited configuration, so that a cardholder can not load the electronic cash at any time and any place. In addition, the flash card phenomenon caused by communication error and data verification problem in the using process of the electronic cash can cause the serious problem that the amount of the electronic cash is deducted for consumption but fails. Therefore, the user experience of the electronic cash is reduced, and the popularization of the electronic cash is not facilitated.
In conclusion, the existing off-line consumption process of electronic cash has the problems of frequent loading, inconvenient loading, flash cards and the like, so that the matching degree of user requirements is low.
Disclosure of Invention
The invention provides an off-line consumption method and device, which are used for solving the problems of frequent loading and inconvenient loading in the off-line consumption process of electronic cash in the prior art.
The embodiment of the invention provides an off-line consumption method, which comprises the following steps:
the method comprises the steps that a terminal receives information of an electronic cash card, and bank card account information bound with the electronic cash card and an authorized amount corresponding to a bank card account are obtained according to the information of the electronic cash card;
and if the authorized amount is larger than the offline consumption amount, the terminal deducts the offline consumption amount from the authorized amount.
Optionally, the obtaining, by the terminal, the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account according to the information of the electronic cash card includes:
if the terminal stores a binding relation database, the terminal acquires a bank card account bound with the electronic cash card according to the binding relation between the electronic cash card and the bank account in the binding relation database, and determines a corresponding authorized amount according to the binding relation between the bank card account and the authorized amount in the binding relation database; or the like, or, alternatively,
and if the binding relation database is not stored in the terminal, the terminal sends the information of the electronic cash card to an acquirer server, and receives the information of the bank card account bound by the electronic cash card and the authorization amount corresponding to the bank card account sent by the acquirer server.
Optionally, after the terminal deducts the offline consumption amount from the authorized amount, the terminal further includes:
if the binding relation database is stored by the terminal, the terminal sends the bank card account information and the off-line consumption amount to the acquiring mechanism server and receives the authorization amount corresponding to the updated bank card account sent by the acquiring mechanism server;
and if the terminal does not store the binding relation database, the terminal sends the bank card account information and the offline consumption amount to the acquirer server.
Optionally, the receiving, by the terminal, the information of the electronic cash card, and before acquiring, according to the information of the electronic cash card, the information of the bank card account bound to the electronic cash card and the authorized amount corresponding to the bank card account, the method further includes:
and if the terminal stores the binding relationship database, the terminal acquires the binding relationship between the electronic cash card and the bank card account and the authorized amount corresponding to the bank card account at preset sign-in time, and updates the binding relationship database.
Optionally, the method further includes:
if the authorization amount is smaller than the offline payment amount, the terminal sends pre-authorization request information to the acquirer server so that the acquirer server sends the pre-authorization request information to the issuer server, wherein the pre-authorization request information comprises the bank card account information and the authorization amount information;
if the terminal stores the binding relationship database, the terminal determines the updated authorized amount according to the updated binding relationship between the bank card account and the authorized amount sent by the acquirer server, and deducts the offline consumption amount from the updated authorized amount; or the like, or, alternatively,
and if the binding relation database is not stored in the terminal, the terminal sends the information of the electronic cash card to an acquirer server within preset updating time, receives the information of the bank card account bound by the electronic cash card and the updated authorized amount corresponding to the bank card account sent by the acquirer server, and deducts the offline consumption amount from the updated authorized amount.
The embodiment of the invention also provides an off-line consumption method, which comprises the following steps:
the acquiring mechanism server receives the electronic cash card information sent by the terminal, acquires a bank card account bound with the electronic cash card according to the binding relationship between the electronic cash card and the bank account, and determines the corresponding authorized amount according to the binding relationship between the bank card account and the authorized amount;
and the acquiring mechanism server sends the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account to the terminal so that the electronic cash card carries out off-line consumption on the terminal according to the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account.
Optionally, after the acquiring mechanism server sends the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account to the terminal, the method further includes:
and the acquiring mechanism server updates the binding relationship between the bank card account and the authorized amount according to the bank card account information and the offline consumption amount sent by the terminal.
Optionally, after the acquiring mechanism server sends the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account to the terminal, the method further includes:
the acquiring agency server sends pre-authorization request information to a card issuing agency server according to sending pre-authorization request information sent by a terminal, wherein the pre-authorization request information comprises the account information of the bank card and authorization amount information;
and after confirming that the preauthorization confirmation information sent by the card issuing institution server is received, the acquirer server updates the binding relationship between the bank card account and the authorized amount.
Optionally, after the acquiring mechanism server sends the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account to the terminal, the method further includes:
the acquiring mechanism server counts the total offline consumption amount according to the bank card account information and the total offline consumption amount sent by the terminal within a set time length, and sends the bank card account information and the total offline consumption amount to the card issuing mechanism server at a preset money deducting time, so that the card issuing mechanism server deducts money from the bank card account according to the total offline consumption amount.
Optionally, before the acquiring mechanism server receives the electronic cash card information sent by the terminal, the method further includes:
the acquiring mechanism server receives bank card account authorization request information and sends the bank card account authorization request information to the card issuing mechanism server, wherein the bank card account authorization request information comprises the bank card account information and the electronic cash card information;
after confirming that the receiving mechanism server receives the bank card account authorization confirmation information sent by the card sending mechanism server, the receiving mechanism server binds the bank card account with the electronic cash card, and sends pre-authorization request information to the card sending mechanism server at preset authorization time, wherein the pre-authorization request information comprises the bank card account information and the authorization amount information;
and after confirming that the preauthorization confirmation information sent by the card issuing institution server is received, the acquirer server updates the binding relationship between the bank card account and the authorized amount.
The embodiment of the invention also provides an off-line consumption method, which comprises the following steps:
the method comprises the steps that a card issuing institution server receives bank card account authorization request information sent by an acquirer server, wherein the bank card account authorization request information comprises bank card account information and electronic cash card information;
after confirming the bank card account information, the card issuing mechanism server sends bank card account authorization confirmation information to the acquiring mechanism server so that the acquiring mechanism server binds the bank card account to the electronic cash card;
the card issuing institution server receives pre-authorization request information sent by the acquirer server at preset authorization time, wherein the pre-authorization request information comprises the bank card account information and authorization amount information;
and after confirming the authorization amount information, the card issuing mechanism server sends pre-authorization confirmation information to the acquiring mechanism server so that the electronic cash card carries out off-line consumption on a terminal according to the bank card account information bound by the electronic cash card and the authorization amount corresponding to the bank card account.
Optionally, after the card issuer server sends the pre-authorization confirmation information to the acquirer server after confirming the authorization amount information, the method further includes:
and the card issuing mechanism server receives the bank card account information and the total offline consumption amount sent by the acquiring mechanism server in a preset money deducting time, deducts money from the bank card account according to the total offline consumption amount, and the total offline consumption amount is determined by the acquiring mechanism server through statistics according to the bank card account information and the total offline consumption amount sent by the terminal.
The embodiment of the invention also provides an off-line consumption device, which comprises:
a terminal receiving unit: the system comprises a cash register, a cash register and a control unit, wherein the cash register is used for receiving information of an electronic cash card and acquiring information of a bank card account bound with the electronic cash card and an authorized amount corresponding to the bank card account according to the information of the electronic cash card;
a terminal execution unit: and the offline expense amount is deducted from the authorized amount if the authorized amount is larger than the offline expense amount.
Optionally, the terminal receiving unit is further configured to:
if the binding relation database is stored, acquiring a bank card account bound with the electronic cash card according to the binding relation between the electronic cash card and the bank account in the binding relation database, and determining the corresponding authorized amount according to the binding relation between the bank card account and the authorized amount in the binding relation database; or the like, or, alternatively,
and if the binding relation database is not stored, sending the information of the electronic cash card to an acquirer server, and receiving the information of the bank card account bound by the electronic cash card and the authorization amount corresponding to the bank card account sent by the acquirer server.
Optionally, the terminal execution unit is further configured to:
if the binding relation database is stored, the bank card account information and the off-line consumption amount are sent to the acquirer server, and the authorization amount corresponding to the updated bank card account sent by the acquirer server is received;
and if the binding relation database is not stored, the bank card account information and the off-line consumption amount are sent to the acquirer server.
Optionally, the terminal receiving unit is further configured to:
and if the binding relationship database is stored, acquiring the binding relationship between the electronic cash card and the bank card account and the authorized amount corresponding to the bank card account at preset sign-in time, and updating the binding relationship database.
Optionally, the terminal execution unit is further configured to:
if the authorization amount is smaller than the offline payment amount, sending pre-authorization request information to the acquirer server so that the acquirer server sends the pre-authorization request information to the issuer server, wherein the pre-authorization request information comprises the bank card account information and the authorization amount information;
if the binding relationship database is stored, determining the updated authorized amount according to the updated binding relationship between the bank card account and the authorized amount sent by the acquirer server, and deducting the offline consumption amount from the updated authorized amount; or the like, or, alternatively,
and if the binding relation database is not stored, sending the information of the electronic cash card to an acquirer server at preset updating time, receiving the information of the bank card account bound by the electronic cash card and the updated authorized amount corresponding to the bank card account sent by the acquirer server, and deducting the offline consumption amount from the updated authorized amount.
The embodiment of the invention also provides an off-line consumption device, which comprises:
the receiving unit of the receiving mechanism: the system comprises a receiving terminal, a processing terminal and a display terminal, wherein the receiving terminal is used for receiving electronic cash card information sent by the receiving terminal, acquiring a bank card account bound with an electronic cash card according to the binding relationship between the electronic cash card and the bank account, and determining corresponding authorized amount according to the binding relationship between the bank card account and the authorized amount;
an order receiving mechanism transmitting unit: and the system is used for sending the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account to the terminal so that the electronic cash card can perform offline consumption at the terminal according to the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account.
Optionally, the acquiring mechanism sending unit is further configured to:
and updating the binding relationship between the bank card account and the authorized amount according to the bank card account information and the offline consumption amount sent by the terminal.
Optionally, the acquiring mechanism sending unit is further configured to:
sending pre-authorization request information to a card issuing institution server according to sending pre-authorization request information sent by a terminal, wherein the pre-authorization request information comprises the account information of the bank card and authorization amount information;
and updating the binding relationship between the bank card account and the authorized amount after confirming that the pre-authorization confirmation information sent by the card issuing institution server is received.
Optionally, the acquiring mechanism sending unit is further configured to:
counting the total offline consumption amount according to the bank card account information and the total offline consumption amount sent by the terminal within the set time length, and sending the bank card account information and the total offline consumption amount to a card issuing mechanism server at the preset money deducting time so that the card issuing mechanism server deducts money from the bank card account according to the total offline consumption amount.
Optionally, the acquiring mechanism receiving unit is further configured to:
receiving bank card account authorization request information, and sending the bank card account authorization request information to a card issuing institution server, wherein the bank card account authorization request information comprises the bank card account information and the electronic cash card information;
after confirming that the bank card account authorization confirmation information sent by the card issuing institution server is received, binding the bank card account with the electronic cash card, and sending pre-authorization request information to the card issuing institution server at preset authorization time, wherein the pre-authorization request information comprises the bank card account information and authorization amount information;
and updating the binding relationship between the bank card account and the authorized amount after confirming that the pre-authorization confirmation information sent by the card issuing institution server is received.
The embodiment of the invention provides an off-line consumption device, which comprises:
card issuing institution receiving unit: the system comprises a receiving mechanism, a receiving mechanism server and a payment mechanism server, wherein the receiving mechanism is used for receiving bank card account authorization request information sent by the receiving mechanism server, and the bank card account authorization request information comprises bank card account information and electronic cash card information;
the card issuing mechanism binding unit: the electronic cash card system is used for sending bank card account authorization confirmation information to the acquirer server after confirming the bank card account information so as to enable the acquirer server to bind the bank card account with the electronic cash card;
card issuing institution authorization unit: the system comprises a receiving mechanism server, a pre-authorization request message and a pre-authorization request message, wherein the receiving mechanism server is used for receiving the pre-authorization request message sent by the receiving mechanism server at a preset authorization time, and the pre-authorization request message comprises the bank card account information and the authorization amount information;
card issuing institution sending unit: and the authorization mechanism server is used for sending pre-authorization confirmation information to the acquirer server after confirming the authorization amount information so as to enable the electronic cash card to perform offline consumption at a terminal according to the bank card account information bound by the electronic cash card and the authorization amount corresponding to the bank card account.
Optionally, the card issuing mechanism sending unit is further configured to:
and receiving the bank card account information and the total offline consumption amount sent by the acquirer server at a preset deduction time, deducting the bank card account according to the total offline consumption amount, and counting and determining the total offline consumption amount by the acquirer server according to the bank card account information and the total offline consumption amount sent by the terminal.
According to the off-line consumption method and device provided by the embodiment of the invention, the terminal receives the information of the electronic cash card, and the information of the bank card account bound with the electronic cash card and the authorized amount corresponding to the bank card account are obtained according to the information of the electronic cash card; and if the authorized amount is larger than the offline consumption amount, the terminal deducts the offline consumption amount from the authorized amount. According to the off-line consumption method and device provided by the embodiment of the invention, the terminal directly deducts the off-line consumption amount according to the authorization amount corresponding to the electronic cash card, so that the user does not need to carry out loading on the electronic cash card any more, and the system efficiency and the user requirement matching degree are improved.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
FIG. 1 is a schematic diagram of an offline consumption system according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating an offline consumption method according to an embodiment of the present invention;
FIG. 3 is a flow chart of another offline consumption method according to an embodiment of the present invention;
FIG. 4 is a flow chart of another offline consumption method according to an embodiment of the present invention;
FIG. 5 is a flowchart of an offline consumption method according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of an offline consumer apparatus according to an embodiment of the present invention;
FIG. 7 is a schematic diagram of an alternative off-line consumer apparatus according to an embodiment of the present invention;
fig. 8 is a schematic structural diagram of another offline consumption device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail with reference to the accompanying drawings, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Fig. 1 is a schematic structural diagram of an offline consumption system according to an embodiment of the present invention. The offline consumption method provided by the embodiment of the invention can be based on the offline consumption system shown in fig. 1, and comprises the following steps: an acquirer server 101, a card issuer server 102, and a plurality of terminals 103. In particular, the terminal 103 is a consumer service terminal, such as a POS terminal; the acquirer server 101 is a server corresponding to a consumption service terminal, such as a POS terminal server; the card issuing institution server 102 is a server of a card issuing bank corresponding to the bank card account.
In the embodiment of the present invention, the acquirer server 101 receives the electronic cash card binding bank card account authorization request information initiated by the user, and sends the bank card account authorization request information to the issuer server 102, and the issuer server 102 confirms the electronic cash card information and the bank card account information according to the bank card account authorization request information, and sends the bank card account authorization confirmation information to the acquirer server 101 after confirmation.
The acquiring agency server 101 binds the bank card account with the electronic cash card, sends the pre-authorization request information to the card issuing agency server 102 at a first preset time, the card issuing agency server 102 confirms the bank card account information and the preset amount information according to the pre-authorization request information, and sends the pre-authorization confirmation information to the acquiring agency server 101 after confirmation.
After two authorization applications and an authorization confirmation process, the acquirer server 101 may store the binding relationship between the electronic cash card and the bank account and the binding relationship between the bank card account and the authorization amount in the binding relationship database, or send the binding relationship between the electronic cash card and the bank account and the binding relationship between the bank card account and the authorization amount or the binding relationship database to all terminals 103, i.e., the terminal 11031, the terminal 21032, and the terminal n1033, under the acquirer server 101 at a second preset time.
When the user consumes offline, for example, the user inserts the electronic cash card into the terminal 11031, the terminal 11031 receives the electronic cash card information, acquires the bank card account information bound with the electronic cash card and the authorized amount corresponding to the bank card account according to the electronic cash card information, and if the authorized amount is larger than the offline consumption amount, the terminal directly deducts the offline consumption amount from the authorized amount. After offline consumption, the terminal 11031 sends the bank card account information and the offline consumption amount to the acquirer server 101, the acquirer server 101 updates the authorization amount corresponding to the bank card account, and sends the authorization amount corresponding to the updated bank card account to all terminals 103 under the acquirer server 101, that is, the terminal 11031, the terminal 21032, and the terminal n1033, so that all the terminals 103 perform offline consumption according to the updated authorization amount.
The embodiment of the invention provides an offline consumption method, wherein a corresponding execution main body is a terminal, and specifically can be a POS terminal. As shown in fig. 2, a schematic flow chart of an offline consumption method according to an embodiment of the present invention includes:
step 201: and the terminal receives the information of the electronic cash card and acquires the information of the bank card account bound with the electronic cash card and the authorized amount corresponding to the bank card account according to the information of the electronic cash card.
Step 202: and if the authorized amount is larger than the offline consumption amount, the terminal deducts the offline consumption amount from the authorized amount.
In the embodiment of the invention, the binding relationship between the electronic cash card and the bank account and the binding relationship between the bank card account and the authorized amount are stored in the binding relationship database, and the binding relationship database can be directly stored in the terminal and can also be stored in the acquirer server.
Before step 201, if the terminal stores the binding relationship database, the terminal obtains the binding relationship between the electronic cash card and the bank card account and the authorized amount corresponding to the bank card account at a preset check-in time, for example, a startup online time, and updates the binding relationship database.
In step 201, if the terminal stores the binding relationship database, the terminal obtains the bank card account bound with the electronic cash card according to the binding relationship between the electronic cash card and the bank account in the binding relationship database, and determines the corresponding authorized amount according to the binding relationship between the bank card account and the authorized amount in the binding relationship database.
In step 201, if the terminal does not store the binding relationship database, the terminal sends the information of the electronic cash card to the acquirer server, and receives the information of the bank card account bound by the electronic cash card and the authorization amount corresponding to the bank card account sent by the acquirer server.
For example, the consumption amount of the user is 300 yuan, the electronic cash card 1 is inserted into the POS terminal 1 during offline consumption, the POS terminal 1 searches the binding relationship between the electronic cash card and the bank account in the local binding relationship database according to the information of the electronic cash card 1, obtains the bank card account 1 bound by the electronic cash card 1, and determines the corresponding authorized amount, for example, 500, according to the binding relationship between the bank card account and the authorized amount in the binding relationship database, and the POS terminal 1 deducts 300 yuan from the offline consumption amount of 500 yuan.
In step 202, if the authorized amount is smaller than the offline payment amount, the terminal sends pre-authorization request information to the acquirer server, so that the acquirer server sends the pre-authorization request information to the card issuer server, wherein the pre-authorization request information includes account information of the bank card and information of the authorized amount.
And if the terminal stores the binding relation database, the terminal determines the updated authorized amount according to the binding relation between the updated bank card account and the authorized amount sent by the acquirer server, and deducts the offline consumption amount from the updated authorized amount.
If the binding relation database is not stored in the terminal, the terminal sends the electronic cash card information to the acquirer server at preset updating time, for example, every second after the preauthorization request information is sent, receives the bank card account information bound by the electronic cash card and the updated authorized amount corresponding to the bank card account sent by the acquirer server, and deducts the offline consumption amount from the updated authorized amount.
For example, if the offline consumption amount of the user is 800, after the POS terminal 1 deducts the authorization amount, for example, 500 yuan, the POS terminal 1 sends pre-authorization request information to the acquirer server, so that the acquirer server sends the pre-authorization request information to the card issuer server, where the pre-authorization request information includes the bank card account information 1 and the authorization amount information, for example, 500 yuan.
If the POS terminal 1 stores the binding relation database, the POS terminal 1 determines that the updated authorized amount is 500 yuan according to the binding relation between the updated bank card account 1 and the authorized amount sent by the acquirer server, and the residual offline consumption amount is 300 yuan is deducted from the 500 yuan in the updated authorized amount.
If the POS terminal 1 does not store the binding relationship database, the POS terminal 1 sends the electronic cash card information 1 to the acquirer server at a preset update time, for example, every second after sending the pre-authorization request information, receives the bank card account information 1 bound by the electronic cash card 1 and the updated authorization amount 500 yuan corresponding to the bank card account sent by the acquirer server, and deducts the remaining offline consumption amount 300 yuan from the updated authorization amount 500 yuan.
After step 202, if the terminal stores the binding relationship database, the terminal sends the bank card account information and the offline consumption amount to the acquirer server, and receives the authorization amount corresponding to the updated bank card account sent by the acquirer server. And if the binding relation database is not stored in the terminal, the terminal sends the bank card account information and the off-line consumption amount to the acquirer server.
For example, the POS terminal 1 sends the bank card account 1 and the consumption amount of 300 dollars to the acquirer server, and the acquirer server updates the authorized amount corresponding to the bank card account 1, and obtains an authorized amount corresponding to the updated bank card account 1 of 200 dollars. And if the terminal stores the binding relation database, sending the authorized amount corresponding to the updated bank card account 1 of 200 yuan to all POS terminals under the acquirer server.
According to the off-line consumption method provided by the embodiment of the invention, the terminal receives the information of the electronic cash card, and the information of the bank card account bound with the electronic cash card and the authorized amount corresponding to the bank card account are obtained according to the information of the electronic cash card; and if the authorized amount is larger than the offline consumption amount, the terminal deducts the offline consumption amount from the authorized amount. According to the off-line consumption method provided by the embodiment of the invention, the terminal directly deducts the off-line consumption amount according to the authorization amount corresponding to the electronic cash card, so that the user does not need to carry out loading on the electronic cash card any more, and the system efficiency and the user requirement matching degree are improved.
Based on the same inventive concept, the embodiment of the invention also provides another offline consumption method, and the corresponding execution main body is a receiving mechanism server, and specifically can be a POS terminal server. As shown in fig. 3, a schematic flow chart of another offline consumption method provided in the embodiment of the present invention includes:
step 301: and the acquiring mechanism server receives the electronic cash card information sent by the terminal, acquires a bank card account bound with the electronic cash card according to the binding relationship between the electronic cash card and the bank account, and determines the corresponding authorized amount according to the binding relationship between the bank card account and the authorized amount.
Step 302: and the acquiring mechanism server sends the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account to the terminal so that the electronic cash card can perform offline consumption at the terminal according to the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account.
Before step 301, the acquirer server needs to perform two interactions of authorization request and authorization confirmation with the card issuer server.
The first authorization interaction process: the acquiring mechanism server receives bank card account authorization request information corresponding to the electronic cash card initiated by a user, and sends the bank card account authorization request information to the issuing mechanism server, wherein the bank card account authorization request information comprises bank card account information and electronic cash card information. And after confirming that the receiving mechanism server receives the bank card account authorization confirmation information sent by the card sending mechanism server, binding the bank card account with the electronic cash card.
And a second authorization interaction process: the card issuing institution server sends pre-authorization request information to the card issuing institution server at a preset authorization time, for example, at zero point every day, wherein the pre-authorization request information includes bank card account information and authorization amount information. And after confirming that the pre-authorization confirmation information sent by the card issuing institution server is received, the acquirer server updates the binding relationship between the bank card account and the authorization amount.
For example: the acquiring organization server receives bank card account 1 authorization request information corresponding to the electronic cash card 1 initiated by a user, and sends the bank card account 1 authorization request information to the issuing organization server, wherein the bank card account 1 authorization request information comprises the bank card account 1 information and the electronic cash card 1 information. And after confirming that the authorization confirmation information of the bank card account 1 sent by the card sending mechanism server is received, the acquiring mechanism server binds the bank card account 1 to the electronic cash card 1.
The card issuing institution server sends pre-authorization request information to the card issuing institution server at a preset authorization time, for example, zero point every day, the pre-authorization request information includes information of the bank card account 1 and information of the authorization amount, for example, 500 yuan. And after confirming that the pre-authorization confirmation information sent by the card issuing institution server is received, the acquirer server updates the binding relationship between the bank card account 1 and the authorization amount, namely the authorized amount of the bank card account 1 is 500 yuan.
After step 302, the acquirer server may also update the binding relationship between the bank card account and the authorized amount according to the bank card account information and the offline consumption amount sent by the terminal.
For example: the acquiring institution server also updates the authorization amount corresponding to the bank card account 1 according to the bank card account 1 and the consumption amount 300 yuan sent by the POS terminal 1, and the authorization amount corresponding to the updated bank card account 1 is 200 yuan, namely, the binding relationship database is updated. And if the terminal stores the binding relation database, the acquirer server sends the updated authorized amount corresponding to the bank card account 1 of 200 yuan to all POS terminals under the acquirer server.
After step 302, the acquirer server may also send pre-authorization request information to the card issuer server according to the pre-authorization request sending information sent by the terminal, where the pre-authorization request information includes bank card account information and authorization amount information; and after confirming that the pre-authorization confirmation information sent by the card issuing institution server is received, the acquirer server updates the binding relationship between the bank card account and the authorization amount.
For example: if the offline consumption amount of the user is 800, after the POS terminal 1 deducts 500 yuan of authorization amount, the acquirer server receives the pre-authorization request information sent by the POS terminal 1, sends the pre-authorization request information to the card issuer server according to, for example, 500 yuan of information of the bank card account 1 and the authorization amount information in the pre-authorization request information, and after the acquirer server confirms that the pre-authorization confirmation information sent by the card issuer server is received, updates the binding relationship between the bank card account 1 and the authorization amount, that is, the authorized amount of the bank card account 1 is reset to 500 yuan.
In the embodiment of the invention, the acquiring agency server counts the total offline consumption amount according to the bank card account information and the total offline consumption amount sent by the terminal within a set time length, such as 24 hours, and sends the bank card account information and the total offline consumption amount to the card issuing agency server at a preset deduction time, such as 24 points every day, so that the card issuing agency server carries out real deduction on the bank card account according to the total offline consumption amount.
For example, the acquiring agency server counts the total offline consumption amount to be 2000 yuan according to the bank card account information 1 and the total offline consumption amount sent by all the POS terminals within 24 hours, and sends the bank card account information 1 and the total offline consumption amount 2000 yuan to the issuing agency server at 24 points every day, so that the issuing agency server actually deducts the bank card account 1 according to the total offline consumption amount 2000 yuan.
According to the off-line consumption method provided by the embodiment of the invention, the acquiring mechanism server receives the electronic cash card information sent by the terminal, acquires the bank card account bound with the electronic cash card according to the binding relationship between the electronic cash card and the bank account, and determines the corresponding authorized amount according to the binding relationship between the bank card account and the authorized amount. And sending the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account to the terminal so that the electronic cash card can perform offline consumption at the terminal according to the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account. According to the off-line consumption method provided by the embodiment of the invention, the terminal can directly deduct the off-line consumption amount according to the authorization amount corresponding to the electronic cash card, so that the user does not need to carry out loading on the electronic cash card any more, and the system efficiency and the user requirement matching degree are improved.
Based on the same inventive concept, the embodiment of the invention also provides another offline consumption method, and the corresponding execution subject is a card issuing institution server, and specifically can be a server of a card issuing bank corresponding to the bank card account. As shown in fig. 4, a schematic flow chart of another offline consumption method provided in the embodiment of the present invention includes:
step 401: the card issuing institution server receives bank card account authorization request information sent by the acquiring institution server, wherein the bank card account authorization request information comprises bank card account information and electronic cash card information. The card issuing mechanism server sends bank card account authorization confirmation information to the acquiring mechanism server after confirming the bank card account information so that the acquiring mechanism server binds the bank card account to the electronic cash card.
Step 402: the card issuing institution server receives pre-authorization request information sent by the acquirer server at preset authorization time, wherein the pre-authorization request information comprises bank card account information and authorization amount information. And the card sending mechanism server sends pre-authorization confirmation information to the acquiring mechanism server after confirming the authorization amount information so that the electronic cash card carries out off-line consumption on the terminal according to the bank card account information bound by the electronic cash card and the authorization amount corresponding to the bank card account.
Specifically, the issuer server needs to perform two authorization interaction processes with the acquirer server before offline consumption.
The first authorization interaction process: the card issuing institution server receives bank card account authorization request information sent by the acquiring institution server, wherein the bank card account authorization request information comprises bank card account information and electronic cash card information. The card issuing institution server confirms whether the bank card account information is correct, and if so, the card issuing institution server sends bank card account authorization confirmation information to the acquiring institution server so that the acquiring institution server binds the bank card account to the electronic cash card; otherwise, sending the information of the bank card account authorization confirmation failure to the acquirer server.
And a second authorization interaction process: the card issuing institution server receives pre-authorization request information sent by the acquirer server at a preset authorization time, such as zero point every day, wherein the pre-authorization request information comprises bank card account information and authorization amount information. The card issuing mechanism server confirms whether the account amount of the bank card account is larger than or equal to the authorized amount, if so, the card issuing mechanism server sends pre-authorization confirmation information to the acquiring mechanism server so that the electronic cash card can perform offline consumption on the terminal according to the bank card account information bound by the electronic cash card and the authorized amount corresponding to the bank card account; otherwise, sending the preauthorization confirmation failure information to the acquirer server.
For example: the card issuing institution server receives bank card account 1 authorization request information corresponding to the electronic cash card 1 sent by the acquirer server, wherein the bank card account 1 authorization request information comprises bank card account 1 information and electronic cash card 1 information. The card issuing institution service confirms the information of the bank card account 1, and if the information of the bank card account 1 is correct, the card issuing institution server sends the authorization confirmation information of the bank card account 1 to the acquirer server so that the card issuing institution server binds the bank card account 1 to the electronic cash card 1. The card issuing institution server receives the pre-authorization request information sent by the acquirer server at zero point every day, wherein the pre-authorization request information comprises the information of the bank card account 1 and the authorized amount information, and the pre-authorization request information is 500 yuan, for example. The card issuing institution server confirms whether the account amount of the bank card account 1 is greater than or equal to the authorized amount of 500 yuan, if so, pre-authorization confirmation information is sent to the acquiring institution server, so that the electronic cash card 1 carries out off-line consumption at the POS terminal according to the information of the bank card account 1 bound by the electronic cash card 1 and the authorized amount of 500 yuan corresponding to the bank card account 1.
After step 402, the card issuing institution server may further receive the bank card account information and the total offline consumption amount sent by the acquirer server at a preset deducting time, for example, 24 points per day, and actually deduct the bank card account according to the total offline consumption amount, where the total offline consumption amount is determined by the acquirer server through statistics according to the bank card account information and the total offline consumption amount sent by the terminal.
For example, the card issuing institution server may further receive, at 24 point, the information of the bank card account 1 and the total offline consumption amount, which are sent by the acquirer server, for example, 2000 yuan, and actually deduct the bank card account 1 according to the total offline consumption amount of 2000 yuan, for example, when the account amount of the bank card account 1 is 3000 yuan, the account amount is updated after the current offline consumption amount is deducted, that is, 1000 yuan.
In the offline consumption method provided by the embodiment of the invention, the card issuing institution server receives the bank card account authorization request information sent by the acquiring institution server, sends the bank card account authorization confirmation information to the acquiring institution server after confirming the bank card account information, receives the pre-authorization request information sent by the acquiring institution server at the preset authorization time, and sends the pre-authorization confirmation information to the acquiring institution server after confirming the authorization amount information, so that the electronic cash card carries out offline consumption at the terminal according to the bank card account information bound by the electronic cash card and the authorization amount corresponding to the bank card account. According to the off-line consumption method provided by the embodiment of the invention, the terminal can directly deduct the off-line consumption amount according to the authorization amount corresponding to the electronic cash card, so that the user does not need to carry out loading on the electronic cash card any more, and the system efficiency and the user requirement matching degree are improved.
The offline consumption method according to the embodiment of the present invention is specifically described below with a specific flow. Fig. 5 is a flowchart of an offline consumption method according to an embodiment of the present invention, where the offline consumption method includes:
step 501: the receiving mechanism server receives the electronic cash card binding bank card account authorization request information initiated by the user, and sends the bank card account authorization request information to the card issuing mechanism server
Step 502: the card issuing institution server confirms the electronic cash card information and the bank card account information according to the bank card account authorization request information, and sends the bank card account authorization confirmation information to the acquiring institution server after confirmation.
Step 503: the acquiring mechanism server binds the bank card account with the electronic cash card and sends pre-authorization request information to the card issuing mechanism server, wherein the pre-authorization request information comprises bank card account information and authorization amount information.
Step 504: and the issuing mechanism server confirms the account information of the bank card and the preset amount information according to the pre-authorization request information, and sends pre-authorization confirmation information to the issuing mechanism server after confirmation. The receiving mechanism server stores the binding relationship between the electronic cash card and the bank account and the binding relationship between the bank card account and the authorized amount in the binding relationship database
Step 505: and when the off-line consumption is carried out, the terminal receives the information of the electronic cash card and sends the information of the electronic cash card to the acquirer server.
Step 506: and the acquiring mechanism server sends the bank card account information bound with the electronic cash card and the authorized amount corresponding to the bank card account to the terminal according to the electronic cash card information.
Step 507: and if the authorized amount is larger than the offline consumption amount, directly deducting the offline consumption amount from the authorized amount by the terminal. And after the off-line consumption, the terminal sends the account information of the bank card and the off-line consumption amount to the acquirer server.
Step 508: if the authorized amount is larger than the offline consumption amount, the terminal directly deducts the offline consumption amount from the authorized amount; after offline consumption, the terminal transmits the bank card account information and the offline consumption amount to the acquirer server.
Step 509: the acquiring institution server counts the total offline consumption amount according to the bank card account information and the total offline consumption amount sent by the terminal within a set time length, such as within 24 hours, and sends the bank card account information and the total offline consumption amount to the card issuing institution server at a preset money deducting time, such as 24 points every day, so that the card issuing institution server carries out real money deduction on the bank card account according to the total offline consumption amount.
Based on the same inventive concept, the embodiment of the invention also provides an offline consumption device, wherein the corresponding entity structure is a terminal, and specifically can be a POS terminal. As shown in fig. 6, a schematic structural diagram of an offline consumption device according to an embodiment of the present invention includes:
terminal reception section 601: the system comprises a cash register, a cash register and a control unit, wherein the cash register is used for receiving information of an electronic cash card and acquiring information of a bank card account bound with the electronic cash card and an authorized amount corresponding to the bank card account according to the information of the electronic cash card;
the terminal execution unit 602: and the offline expense amount is deducted from the authorized amount if the authorized amount is larger than the offline expense amount.
Optionally, the terminal receiving unit 601 is further configured to:
if the binding relation database is stored, acquiring a bank card account bound with the electronic cash card according to the binding relation between the electronic cash card and the bank account in the binding relation database, and determining the corresponding authorized amount according to the binding relation between the bank card account and the authorized amount in the binding relation database; or the like, or, alternatively,
and if the binding relation database is not stored, sending the information of the electronic cash card to an acquirer server, and receiving the information of the bank card account bound by the electronic cash card and the authorization amount corresponding to the bank card account sent by the acquirer server.
Optionally, the terminal executing unit 602 is further configured to:
if the binding relation database is stored, the bank card account information and the off-line consumption amount are sent to the acquirer server, and the authorization amount corresponding to the updated bank card account sent by the acquirer server is received;
and if the binding relation database is not stored, the bank card account information and the off-line consumption amount are sent to the acquirer server.
Optionally, the terminal receiving unit 601 is further configured to:
and if the binding relationship database is stored, acquiring the binding relationship between the electronic cash card and the bank card account and the authorized amount corresponding to the bank card account at preset sign-in time, and updating the binding relationship database.
Optionally, the terminal executing unit 602 is further configured to:
if the authorization amount is smaller than the offline payment amount, sending pre-authorization request information to the acquirer server so that the acquirer server sends the pre-authorization request information to the issuer server, wherein the pre-authorization request information comprises the bank card account information and the authorization amount information;
if the binding relationship database is stored, determining the updated authorized amount according to the updated binding relationship between the bank card account and the authorized amount sent by the acquirer server, and deducting the offline consumption amount from the updated authorized amount; or the like, or, alternatively,
and if the binding relation database is not stored, sending the information of the electronic cash card to an acquirer server at preset updating time, receiving the information of the bank card account bound by the electronic cash card and the updated authorized amount corresponding to the bank card account sent by the acquirer server, and deducting the offline consumption amount from the updated authorized amount.
According to the off-line consumption method provided by the embodiment of the invention, the terminal receives the information of the electronic cash card, and the information of the bank card account bound with the electronic cash card and the authorized amount corresponding to the bank card account are obtained according to the information of the electronic cash card; and if the authorized amount is larger than the offline consumption amount, the terminal deducts the offline consumption amount from the authorized amount. According to the off-line consumption method provided by the embodiment of the invention, the terminal directly deducts the off-line consumption amount according to the authorization amount corresponding to the electronic cash card, so that the user does not need to carry out loading on the electronic cash card any more, and the system efficiency and the user requirement matching degree are improved.
Based on the same inventive concept, the embodiment of the invention also provides another offline consumption device, and the corresponding entity structure is a receiving mechanism server, and specifically can be a POS terminal server. As shown in fig. 7, a schematic structural diagram of another offline consumption apparatus according to an embodiment of the present invention includes:
the acquiring mechanism receiving unit 701: the system comprises a receiving terminal, a processing terminal and a display terminal, wherein the receiving terminal is used for receiving electronic cash card information sent by the receiving terminal, acquiring a bank card account bound with an electronic cash card according to the binding relationship between the electronic cash card and the bank account, and determining corresponding authorized amount according to the binding relationship between the bank card account and the authorized amount;
the acquirer transmitting unit 702: and the system is used for sending the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account to the terminal so that the electronic cash card can perform offline consumption at the terminal according to the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account.
Optionally, the acquiring mechanism sending unit 702 is further configured to:
and updating the binding relationship between the bank card account and the authorized amount according to the bank card account information and the offline consumption amount sent by the terminal.
Optionally, the acquiring mechanism sending unit 702 is further configured to:
sending pre-authorization request information to a card issuing institution server according to sending pre-authorization request information sent by a terminal, wherein the pre-authorization request information comprises the account information of the bank card and authorization amount information;
and updating the binding relationship between the bank card account and the authorized amount after confirming that the pre-authorization confirmation information sent by the card issuing institution server is received.
Optionally, the acquiring mechanism sending unit 702 is further configured to:
counting the total offline consumption amount according to the bank card account information and the total offline consumption amount sent by the terminal within the set time length, and sending the bank card account information and the total offline consumption amount to a card issuing mechanism server at the preset money deducting time so that the card issuing mechanism server deducts money from the bank card account according to the total offline consumption amount.
Optionally, the acquiring mechanism receiving unit 701 is further configured to:
receiving bank card account authorization request information, and sending the bank card account authorization request information to a card issuing institution server, wherein the bank card account authorization request information comprises the bank card account information and the electronic cash card information;
after confirming that the bank card account authorization confirmation information sent by the card issuing institution server is received, binding the bank card account with the electronic cash card, and sending pre-authorization request information to the card issuing institution server at preset authorization time, wherein the pre-authorization request information comprises the bank card account information and authorization amount information;
and updating the binding relationship between the bank card account and the authorized amount after confirming that the pre-authorization confirmation information sent by the card issuing institution server is received.
According to the off-line consumption method provided by the embodiment of the invention, the acquiring mechanism server receives the electronic cash card information sent by the terminal, acquires the bank card account bound with the electronic cash card according to the binding relationship between the electronic cash card and the bank account, and determines the corresponding authorized amount according to the binding relationship between the bank card account and the authorized amount. And sending the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account to the terminal so that the electronic cash card can perform offline consumption at the terminal according to the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account. According to the off-line consumption method provided by the embodiment of the invention, the terminal can directly deduct the off-line consumption amount according to the authorization amount corresponding to the electronic cash card, so that the user does not need to carry out loading on the electronic cash card any more, and the system efficiency and the user requirement matching degree are improved.
Based on the same inventive concept, the embodiment of the invention also provides another offline consumption device, and a corresponding entity structure card issuing institution server, which can be specifically a server of a card issuing bank corresponding to the bank card account. As shown in fig. 8, a schematic structural diagram of another offline consumption apparatus according to an embodiment of the present invention includes:
card issuer receiving unit 801: the system comprises a receiving mechanism, a receiving mechanism server and a payment mechanism server, wherein the receiving mechanism is used for receiving bank card account authorization request information sent by the receiving mechanism server, and the bank card account authorization request information comprises bank card account information and electronic cash card information;
the card issuer binding unit 802: the electronic cash card system is used for sending bank card account authorization confirmation information to the acquirer server after confirming the bank card account information so as to enable the acquirer server to bind the bank card account with the electronic cash card;
the card issuing authority authorization unit 803: the system comprises a receiving mechanism server, a pre-authorization request message and a pre-authorization request message, wherein the receiving mechanism server is used for receiving the pre-authorization request message sent by the receiving mechanism server at a preset authorization time, and the pre-authorization request message comprises the bank card account information and the authorization amount information;
card issuer transmission unit 804: and the authorization mechanism server is used for sending pre-authorization confirmation information to the acquirer server after confirming the authorization amount information so as to enable the electronic cash card to perform offline consumption at a terminal according to the bank card account information bound by the electronic cash card and the authorization amount corresponding to the bank card account.
Optionally, the card issuing mechanism sending unit 804 is further configured to:
and receiving the bank card account information and the total offline consumption amount sent by the acquirer server at a preset deduction time, deducting the bank card account according to the total offline consumption amount, and counting and determining the total offline consumption amount by the acquirer server according to the bank card account information and the total offline consumption amount sent by the terminal.
In the offline consumption method provided by the embodiment of the invention, the card issuing institution server receives the bank card account authorization request information sent by the acquiring institution server, sends the bank card account authorization confirmation information to the acquiring institution server after confirming the bank card account information, receives the pre-authorization request information sent by the acquiring institution server at the preset authorization time, and sends the pre-authorization confirmation information to the acquiring institution server after confirming the authorization amount information, so that the electronic cash card carries out offline consumption at the terminal according to the bank card account information bound by the electronic cash card and the authorization amount corresponding to the bank card account. According to the off-line consumption method provided by the embodiment of the invention, the terminal can directly deduct the off-line consumption amount according to the authorization amount corresponding to the electronic cash card, so that the user does not need to carry out loading on the electronic cash card any more, and the system efficiency and the user requirement matching degree are improved.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a system for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction system which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.

Claims (22)

1. A method of offline consumption, comprising:
the method comprises the steps that a terminal receives information of an electronic cash card, and bank card account information bound with the electronic cash card and an authorized amount corresponding to a bank card account are obtained according to the information of the electronic cash card; the information of the bank card account bound by the electronic cash card and the authorization amount corresponding to the bank card account are obtained by sending pre-authorization request information from an acquirer server to a card issuer server corresponding to the bank card account; the pre-authorization request information comprises the bank card account information and the authorization amount; if the authorized amount is larger than the offline consumption amount, the terminal deducts the offline consumption amount from the authorized amount;
the terminal acquires the information of the bank card account bound by the electronic cash card and the authorization amount corresponding to the bank card account according to the information of the electronic cash card, and the method comprises the following steps:
if the terminal stores a binding relation database, the terminal acquires a bank card account bound with the electronic cash card according to the binding relation between the electronic cash card and the bank account in the binding relation database, and determines a corresponding authorized amount according to the binding relation between the bank card account and the authorized amount in the binding relation database; or the like, or, alternatively,
and if the binding relation database is not stored in the terminal, the terminal sends the information of the electronic cash card to an acquirer server, and receives the information of the bank card account bound by the electronic cash card and the authorization amount corresponding to the bank card account sent by the acquirer server.
2. The method of claim 1, wherein the terminal, after deducting the offline spending amount from the authorized amount, further comprises:
if the binding relation database is stored by the terminal, the terminal sends the bank card account information and the off-line consumption amount to the acquiring mechanism server and receives the authorization amount corresponding to the updated bank card account sent by the acquiring mechanism server;
and if the terminal does not store the binding relation database, the terminal sends the bank card account information and the offline consumption amount to the acquirer server.
3. The method of claim 1, wherein before the terminal receives the information of the electronic cash card and acquires the information of the bank card account bound to the electronic cash card and the authorized amount corresponding to the bank card account according to the information of the electronic cash card, the method further comprises:
and if the terminal stores the binding relationship database, the terminal acquires the binding relationship between the electronic cash card and the bank card account and the authorized amount corresponding to the bank card account at preset sign-in time, and updates the binding relationship database.
4. The method of claim 1, further comprising:
if the authorization amount is smaller than the off-line consumption amount, the terminal sends pre-authorization request information to the acquirer server so that the acquirer server sends the pre-authorization request information to the issuer server, wherein the pre-authorization request information comprises the bank card account information and the authorization amount information;
if the terminal stores the binding relationship database, the terminal determines the updated authorized amount according to the updated binding relationship between the bank card account and the authorized amount sent by the acquirer server, and deducts the offline consumption amount from the updated authorized amount; or the like, or, alternatively,
and if the binding relation database is not stored in the terminal, the terminal sends the information of the electronic cash card to an acquirer server within preset updating time, receives the information of the bank card account bound by the electronic cash card and the updated authorized amount corresponding to the bank card account sent by the acquirer server, and deducts the offline consumption amount from the updated authorized amount.
5. A method of offline consumption, comprising:
the acquiring mechanism server receives the electronic cash card information sent by the terminal, acquires a bank card account bound with the electronic cash card according to the binding relationship between the electronic cash card and the bank account, and determines the corresponding authorized amount according to the binding relationship between the bank card account and the authorized amount;
and the acquiring mechanism server sends the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account to the terminal so that the electronic cash card carries out off-line consumption on the terminal according to the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account.
6. The method as claimed in claim 5, wherein after the acquirer server sends the information of the bank card account bound with the electronic cash card and the authorized amount corresponding to the bank card account to the terminal, the method further comprises:
and the acquiring mechanism server updates the binding relationship between the bank card account and the authorized amount according to the bank card account information and the offline consumption amount sent by the terminal.
7. The method as claimed in claim 5, wherein after the acquirer server sends the information of the bank card account bound with the electronic cash card and the authorized amount corresponding to the bank card account to the terminal, the method further comprises:
the acquiring agency server sends pre-authorization request information to a card issuing agency server according to sending pre-authorization request information sent by a terminal, wherein the pre-authorization request information comprises the account information of the bank card and authorization amount information;
and after confirming that the preauthorization confirmation information sent by the card issuing institution server is received, the acquirer server updates the binding relationship between the bank card account and the authorized amount.
8. The method as claimed in claim 5, wherein after the acquirer server sends the information of the bank card account bound with the electronic cash card and the authorized amount corresponding to the bank card account to the terminal, the method further comprises:
the acquiring mechanism server counts the total offline consumption amount according to the bank card account information and the total offline consumption amount sent by the terminal within a set time length, and sends the bank card account information and the total offline consumption amount to the card issuing mechanism server at a preset money deducting time, so that the card issuing mechanism server deducts money from the bank card account according to the total offline consumption amount.
9. The method of claim 5, wherein before the acquirer server receives the electronic cash card information sent by the terminal, further comprising:
the acquiring mechanism server receives bank card account authorization request information and sends the bank card account authorization request information to the card issuing mechanism server, wherein the bank card account authorization request information comprises the bank card account information and the electronic cash card information;
after confirming that the receiving mechanism server receives the bank card account authorization confirmation information sent by the card sending mechanism server, the receiving mechanism server binds the bank card account with the electronic cash card, and sends pre-authorization request information to the card sending mechanism server at preset authorization time, wherein the pre-authorization request information comprises the bank card account information and the authorization amount information;
and after confirming that the preauthorization confirmation information sent by the card issuing institution server is received, the acquirer server updates the binding relationship between the bank card account and the authorized amount.
10. A method of offline consumption, comprising:
the method comprises the steps that a card issuing institution server receives bank card account authorization request information sent by an acquirer server, wherein the bank card account authorization request information comprises bank card account information and electronic cash card information;
after confirming the bank card account information, the card issuing mechanism server sends bank card account authorization confirmation information to the acquiring mechanism server so that the acquiring mechanism server binds the bank card account to the electronic cash card;
the card issuing institution server receives pre-authorization request information sent by the acquirer server at preset authorization time, wherein the pre-authorization request information comprises the bank card account information and authorization amount information;
and after confirming the authorization amount information, the card issuing mechanism server sends pre-authorization confirmation information to the acquiring mechanism server so that the electronic cash card carries out off-line consumption on a terminal according to the bank card account information bound by the electronic cash card and the authorization amount corresponding to the bank card account.
11. The method of claim 10, wherein the issuer server, after sending a pre-authorization confirmation message to the acquirer server after confirming the authorization amount message, further comprises:
and the card issuing mechanism server receives the bank card account information and the total offline consumption amount sent by the acquiring mechanism server in a preset money deducting time, deducts money from the bank card account according to the total offline consumption amount, and the total offline consumption amount is determined by the acquiring mechanism server through statistics according to the bank card account information and the total offline consumption amount sent by the terminal.
12. An apparatus for off-line consumption, comprising:
a terminal receiving unit: the system comprises a cash register, a cash register and a control unit, wherein the cash register is used for receiving information of an electronic cash card and acquiring information of a bank card account bound with the electronic cash card and an authorized amount corresponding to the bank card account according to the information of the electronic cash card; the information of the bank card account bound by the electronic cash card and the authorization amount corresponding to the bank card account are obtained by sending pre-authorization request information from an acquirer server to a card issuer server corresponding to the bank card account; the pre-authorization request information comprises the bank card account information and the authorization amount;
a terminal execution unit: the system is used for deducting the offline expense amount from the authorized amount if the authorized amount is larger than the offline expense amount;
the terminal receiving unit is further configured to:
if the binding relation database is stored, acquiring a bank card account bound with the electronic cash card according to the binding relation between the electronic cash card and the bank account in the binding relation database, and determining the corresponding authorized amount according to the binding relation between the bank card account and the authorized amount in the binding relation database; or the like, or, alternatively,
and if the binding relation database is not stored, sending the information of the electronic cash card to an acquirer server, and receiving the information of the bank card account bound by the electronic cash card and the authorization amount corresponding to the bank card account sent by the acquirer server.
13. The apparatus of claim 12, wherein the terminal execution unit is further configured to:
if the binding relation database is stored, the bank card account information and the off-line consumption amount are sent to the acquirer server, and the authorization amount corresponding to the updated bank card account sent by the acquirer server is received;
and if the binding relation database is not stored, the bank card account information and the off-line consumption amount are sent to the acquirer server.
14. The apparatus as claimed in claim 12, wherein said terminal receiving unit is further configured to:
and if the binding relationship database is stored, acquiring the binding relationship between the electronic cash card and the bank card account and the authorized amount corresponding to the bank card account at preset sign-in time, and updating the binding relationship database.
15. The apparatus of claim 12, wherein the terminal execution unit is further configured to:
if the authorization amount is smaller than the off-line consumption amount, sending pre-authorization request information to the acquirer server so that the acquirer server sends the pre-authorization request information to the card issuer server, wherein the pre-authorization request information comprises the bank card account information and the authorization amount information;
if the binding relationship database is stored, determining the updated authorized amount according to the updated binding relationship between the bank card account and the authorized amount sent by the acquirer server, and deducting the offline consumption amount from the updated authorized amount; or the like, or, alternatively,
and if the binding relation database is not stored, sending the information of the electronic cash card to an acquirer server at preset updating time, receiving the information of the bank card account bound by the electronic cash card and the updated authorized amount corresponding to the bank card account sent by the acquirer server, and deducting the offline consumption amount from the updated authorized amount.
16. An apparatus for off-line consumption, comprising:
the receiving unit of the receiving mechanism: the system comprises a receiving terminal, a processing terminal and a display terminal, wherein the receiving terminal is used for receiving electronic cash card information sent by the receiving terminal, acquiring a bank card account bound with an electronic cash card according to the binding relationship between the electronic cash card and the bank account, and determining corresponding authorized amount according to the binding relationship between the bank card account and the authorized amount;
an order receiving mechanism transmitting unit: and the system is used for sending the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account to the terminal so that the electronic cash card can perform offline consumption at the terminal according to the information of the bank card account bound by the electronic cash card and the authorized amount corresponding to the bank card account.
17. The apparatus of claim 16, wherein the acquirer transmitting unit is further configured to:
and updating the binding relationship between the bank card account and the authorized amount according to the bank card account information and the offline consumption amount sent by the terminal.
18. The apparatus of claim 16, wherein the acquirer transmitting unit is further configured to:
sending pre-authorization request information to a card issuing institution server according to sending pre-authorization request information sent by a terminal, wherein the pre-authorization request information comprises the account information of the bank card and authorization amount information;
and updating the binding relationship between the bank card account and the authorized amount after confirming that the pre-authorization confirmation information sent by the card issuing institution server is received.
19. The apparatus of claim 16, wherein the acquirer transmitting unit is further configured to:
counting the total offline consumption amount according to the bank card account information and the total offline consumption amount sent by the terminal within the set time length, and sending the bank card account information and the total offline consumption amount to a card issuing mechanism server at the preset money deducting time so that the card issuing mechanism server deducts money from the bank card account according to the total offline consumption amount.
20. The apparatus of claim 16, wherein the acquirer receiving unit is further configured to:
receiving bank card account authorization request information, and sending the bank card account authorization request information to a card issuing institution server, wherein the bank card account authorization request information comprises the bank card account information and the electronic cash card information;
after confirming that the bank card account authorization confirmation information sent by the card issuing institution server is received, binding the bank card account with the electronic cash card, and sending pre-authorization request information to the card issuing institution server at preset authorization time, wherein the pre-authorization request information comprises the bank card account information and authorization amount information;
and updating the binding relationship between the bank card account and the authorized amount after confirming that the pre-authorization confirmation information sent by the card issuing institution server is received.
21. An apparatus for off-line consumption, comprising:
card issuing institution receiving unit: the system comprises a receiving mechanism, a receiving mechanism server and a payment mechanism server, wherein the receiving mechanism is used for receiving bank card account authorization request information sent by the receiving mechanism server, and the bank card account authorization request information comprises bank card account information and electronic cash card information;
the card issuing mechanism binding unit: the electronic cash card system is used for sending bank card account authorization confirmation information to the acquirer server after confirming the bank card account information so as to enable the acquirer server to bind the bank card account with the electronic cash card;
card issuing institution authorization unit: the system comprises a receiving mechanism server, a pre-authorization request message and a pre-authorization request message, wherein the receiving mechanism server is used for receiving the pre-authorization request message sent by the receiving mechanism server at a preset authorization time, and the pre-authorization request message comprises the bank card account information and the authorization amount information;
card issuing institution sending unit: and the authorization mechanism server is used for sending pre-authorization confirmation information to the acquirer server after confirming the authorization amount information so as to enable the electronic cash card to perform offline consumption at a terminal according to the bank card account information bound by the electronic cash card and the authorization amount corresponding to the bank card account.
22. The apparatus of claim 21, wherein the issuer sending unit is further configured to:
and receiving the information of the bank card account and the total offline consumption amount sent by the acquirer server at a preset deducting time, deducting the bank card account according to the total offline consumption amount, and counting and determining the total offline consumption amount by the acquirer server according to the information of the bank card account and the total offline consumption amount sent by the terminal.
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