CN106339868A - Off-line and on-line fused e-payment method and system - Google Patents
Off-line and on-line fused e-payment method and system Download PDFInfo
- Publication number
- CN106339868A CN106339868A CN201610738339.0A CN201610738339A CN106339868A CN 106339868 A CN106339868 A CN 106339868A CN 201610738339 A CN201610738339 A CN 201610738339A CN 106339868 A CN106339868 A CN 106339868A
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- China
- Prior art keywords
- card
- offline
- payment
- circle
- server
- Prior art date
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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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—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
- G06Q20/349—Rechargeable cards
Abstract
The invention discloses an off-line and on-line fused e-payment method and system. Two sub-accounts are established under one account, wherein one sub-account is used for off-line payment, and the other one is used for online payment, so that a member not only can carry out online payment through a mobile phone or a card, but also can finish off-line payment through the card; and after a payment terminal is reconstructed, the mobile phone can be utilized to realize online payment and a membership card can also be utilized to carry out offline payment. When the membership card is utilized for consumption, if the network is unobstructed, the consumption sum is deducted from the on-line account first by default; and if the online account balance is insufficient, the consumption sum is deducted from the balance of a recharge card. The method and system solve the problem that since online payment must depend on a network, and offline payment must depend on chip card encrypted storage balance information, cards cannot be integrated to the mobile phone, and are inconvenient to carry.
Description
Technical field
The present invention relates to E-Payment technical field, specifically a kind of merge the method for offline and online E-Payment and be
System.
Background technology
With the popularization of electronic payment mode, the acceptance more and more higher to bankcard consumption for the people, compare cash consumption
Bankcard consumption has and carries convenient, keeps the change, can be prevented effectively from counterfeit money etc. a little.
At present, the working method of electronic payment mode, including on-line payment and two kinds of offline electronic payment.Wherein on-line payment with
Alipay, wechat, Unionpay are representative.It is to deposit membership information by mobile phone or card, in transaction by testing on server
Demonstrate,prove and deduct member's remaining sum.Offline electronic payment is with city one-card, enterprise's all-purpose card as representative.Paid using chip card, in card
Deposit information and the current balance information of member.
On-line payment can be paid using mobile phone or card, mostly mobile-phone payment.Pass through mobile phone during consumption or swipe the card
Confirm membership information, in server, during payment terminal, verify account and account balance, such as without exception, have a surplus in deduction account
Volume.Therefore the sensitive information such as user balance stores on the server, has to rely on network during consumption.Structure is as shown in Figure 1.
It is remaining that offline electronic payment encrypts storage member card unique mark (logic card number and physics card number) in offline member card
Volume, before consumption deposits remaining sum circle in member card, and circle is deposited during result uploads onto the server.During consumption, payment terminal is directly deducted
Remaining sum on card, therefore need not carry out real-time verification on server, even if payment terminal goes offline can also complete to pay.Cause
Chip card encryption stored balance information will be relied on for most of offline electronic payments at present it is impossible to integrated with mobile phone carry inconvenience
Usually old man and child are using more.It is as shown in Figure 2 that it realizes structure.
Content of the invention
The technical problem to be solved is, for prior art deficiency, provides a kind of fusion offline and electric online
The method and system that son pays.
For solving above-mentioned technical problem, the technical solution adopted in the present invention is: a kind of fusion is propped up with online electronics offline
The method paid, leaves line account including online account balance, offline collar is deposited, mobile phone is withholdd online, offline card is withholdd four portions
Point；
Described online account balance leaves line account flow process and includes: the id of the unique end of mobile phone is transferred to server,
Verify the validity of current member, the current member of server authentication is the online account balance of return member after valid members；Hand
After machine receives server returning result, show currently available online account balance, now online account balance is transformed into
In the remaining sum of offline account, the remaining sum that mobile phone will go to offline account is sent to server；Deduct online after server authentication
The remaining sum of account, and write one and treat that record deposited by circle, it is then back to successfully；Display after mobile phone receives return pass signal turns gold
The success of volume offline account, points out user to complete circle as early as possible and deposits；
Described offline collar is deposited flow process and is included: the offline card of terminal scanning member deposited by circle, and sequence deposited by the circle reading in offline card
Number, logic card number and physics card number, initiate circle and deposit request to arrive server, server passes through logic card and physics card number verifies member
Validity, then inquiry is deposited the deposit data to be enclosed of sequence number, is then returned circle if there are data and deposit the amount of money more than offline card centre circle, no
Then return and no treat that record deposited by circle；If circle is deposited terminal and received no circle and deposits record, point out member " no enclose and deposit record ", if received
Circle is deposited the amount of money and is then deposited the amount of money in offline card by reading card write circle, uploads circle and deposit successful information to service after write success
Device；
Described mobile phone flow process of withholing online includes: member's mobile phone sends and pays request and arrive server, server authentication mobile phone
Whether bind member, member's state is whether normal, member's on-line payment account whether surplus；Generate one after being verified to face
When pay the bill code, return provisional payment code to mobile phone, mobile phone shows bar code or the Quick Response Code of provisional payment code；Payment terminal input button
After the money amount of money, provisional payment code on scanning cell phone, and send the payment request comprising provisional payment code to server, server
According to payment code checking currently in the member account paying, judge whether the on-line payment account balance of member is more than or waits
In deducted amount, if greater than or be equal to deducted amount, then amount deducted, and return and withhold successfully, otherwise return that Sorry, your ticket has not enough value；
After payment terminal receives the return information of server, show prompting of withholing according to returning result；
Described offline card flow process of withholing includes: member shows offline card, the payment terminal input amount of money to be withholdd, and uses
Card read head for ID scans offline card, reads the logic card number after encryption, physics card number and remaining sum, judge current payment eventually from offline card
Whether end online, if online, sends on-line payment request, server receive after on-line payment request checking logic card and
Whether whether the corresponding account of physical card is normal, if normal, judge on-line payment account balance more than or equal to gold of withholing
Volume, if greater than or be equal to deducted amount with regard to after amount deducted return withhold successfully；Then return remaining sum if less than amount deducted
Not enough；If consumption terminal shows after receiving the success of withholing that server returns withholdd successfully, if consumption terminal receives
It is that Sorry, your ticket has not enough value or payment terminal is not online that server returns, then check whether the remaining sum in offline card is more than or equal to gold of withholing
Volume；If greater than or then deduct remaining sum in offline card equal to deducted amount, return and withhold successfully and report result of withholing；If
Deducted amount is not enough, then Sorry, your ticket has not enough value it is impossible to withhold for display.
Accordingly, present invention also offers a kind of merge the offline and online system paid by mails, comprising:
Terminal deposited by circle: for scanning the offline card of member, the circle reading in offline card deposits sequence number, logic card number and physical card
Number, initiate circle and deposit request to server；If receiving no circle to deposit record, point out member " no record deposited by circle ", if receive circle deposited
The amount of money then deposits the amount of money in offline card by reading card write circle, uploads circle and deposit successful information to server after write success；
Offline card: deposit the logic card number after sequence number, logic card number and physics card number, and encryption, physics for preserving circle
Card number and remaining sum；
Consumption terminal: withhold successfully for showing after the success of withholing receiving server return, if receiving clothes
It is that Sorry, your ticket has not enough value or payment terminal is not online that business device returns, then check whether the remaining sum in offline card is more than or equal to gold of withholing
Volume；If greater than or then deduct remaining sum in offline card equal to deducted amount, return and withhold successfully and report result of withholing；If
Deducted amount is not enough, then Sorry, your ticket has not enough value it is impossible to withhold for display；
Mobile phone or in line card: for the id of unique end is transferred to server, currently can receiving server authentication
Member is for after valid members and return after the online account balance of member, showing currently available online account balance, will go to
The remaining sum of offline account is sent to server；Receiving withhold successfully return pass signal after display turn the offline account of the amount of money become
Work(, points out user to complete circle as early as possible and deposits；Send and pay request to server；The bar code of the provisional payment code that display server sends
Or Quick Response Code；
Server: for the id of the unique end according to mobile phone, verify the validity of current member, and in the current meeting of checking
Member is for returning the online account balance of member after valid members；Reception will go to the remaining sum of offline account, deducts online after checking
The remaining sum of account, and write one and treat that record deposited by circle, it is then back to successful information to mobile phone；The circle that reception offline card is initiated is deposited please
Ask, verify the validity of member by logic card and physics card number, more than what offline card centre circle deposited sequence number, then inquiry treats that circle is deposited
Data, then returns circle if there are data and deposits the amount of money, otherwise returns and no treats that record deposited by circle；Receive and pay request, whether checking mobile phone
Binding member, whether member's state is normal, member's on-line payment account whether surplus；One interim pair is generated after being verified
Money code, returns provisional payment code to mobile phone；Receive the payment request comprising provisional payment code, current according to payment code checking
In the member account paying, judge the on-line payment account balance of member whether more than or equal to deducted amount, if greater than or
Equal to deducted amount, then amount deducted, and return and withhold successfully, otherwise return that Sorry, your ticket has not enough value；After receiving on-line payment request
Whether the logic card of checking offline card and the corresponding account of physical card are normal, if normal, judge that on-line payment account balance is
No more than or equal to deducted amount, if greater than or be equal to deducted amount and withhold successfully with regard to returning after amount deducted；If less than
Amount deducted then returns that Sorry, your ticket has not enough value.
Described circle is deposited terminal, consumption terminal and the communication of described server and is based on tcp/ip agreement, is completed using socket,
Tcp/ip bottom is connected as long connection.
The storage region of described offline card is divided into 16 sectors, and each sector includes 4 pieces, every piece of 16 bytes.
Compared with prior art, the had the beneficial effect that present invention of the present invention combines offline electronic payment and on-line payment,
Under an account, the sub- account of establishment two is used for offline electronic payment one and is used for on-line payment, and member both can pass through mobile phone
Or card carries out on-line payment it is also possible to complete offline electronic payment by card.Transformation payment terminal, it is possible to use mobile phone props up online
Pay, it is possible to use member card carries out offline electronic payment.If the unobstructed acquiescence of network is first from online account when being consumed using member card
Middle deduction spending amount, if online account balance is not enough, deducts the amount of money to be consumed in the remaining sum of punching card.Solution of the present invention
On-line payment of having determined consumption when have to rely on network, offline electronic payment will rely on chip card encryption stored balance information it is impossible to
Integrated with mobile phone, carry the problem of inconvenience.
Brief description
Fig. 1 is on-line payment structure chart；
Fig. 2 is offline electronic payment structure chart；
Fig. 3 leaves line account flow chart for online account balance；
Fig. 4 deposits flow chart for offline collar；
Fig. 5 withholds flow chart online for mobile phone；
Fig. 6 withholds flow chart for offline card；
Fig. 7 is offline electronic payment of the present invention and on-line payment structure chart.
Specific embodiment
The present invention proposes the card consumption solution that a kind of new on-line payment and offline electronic payment combine, in order to solve
The problem that line pays and offline electronic payment merges, needs the payment terminal transforming offline electronic payment so that payment terminal both can be passed through
Mobile phone on-line payment is it is also possible to pass through offline card offline electronic payment.By application being initiated to server Shen by mobile phone during mobile-phone payment
Please an interim payment code (18 bit digital), payment code passes through bar code or Quick Response Code form and show on mobile phone, because paying the bill
Payment code is that the visible code using show it is easy to be stolen, so the payment code one minute of generation is expired, after one minute if
Do not complete and pay and will refresh payment code.If completing payment also can automatically refresh payment code.Using noncontact during offline electronic payment
Chip card is realized, and deposits physics card number, logic card number and the current balance of encryption in card.Using contactless chip card during payment
Card reader reads the information in card, and deduction remaining sum simultaneously completes to pay.Because user has two accounts, wherein in offline electronic payment account
Remaining sum need to enclose and deposit write, process of supplementing with money is cumbersome, if so payment terminal network is normal, even with offline electronic payment
Card consumption is also given tacit consent to by verifying in server and deducting the remaining sum in on-line payment account.
1 service end data structure is communications protocol
For supporting online and offline two ways to pay simultaneously, design each member and have an even remaining sum account, wherein exist
The remaining sum of line account may switch to offline account, but because the money of offline account longitude circle has been stored to offline card offline account
The remaining sum at family can not be transformed into online account.Server storage realizes the card information of a set of pair of account, including member's letter of member
Breath, member's state, online account balance, offline account balance, treat circle deposit the amount of money, supplement flowing water with money, flowing water deposited by circle, consumption flowing water etc.
Record.In payment terminal on-line payment, payment terminal will be connected with server by communications protocol and first attempt from online member
Remaining sum is deducted, if automatically being switched to after deducting unsuccessfully deduct the remaining sum in offline card in account.After paying success, terminal can be by
The server that the result paying uploads, now server can record payment flowing water, if the transaction record of last time is offline record
The remaining sum in offline account in server then can be deducted.After member supplements with money, acquiescence supplements online account balance with money, and member can be led to
The remaining sum of online account is appropriated funds offline account by the member management function of crossing on mobile phone.Now the remaining sum of online account will subtract
Few, and add one and treat that information deposited by circle, deposit after remaining sum circle is stored to offline card by terminal after member in circle, modification circle is deposited state and repaiied
Change the remaining sum of offline account.
(1) card information data structure
Card information structure
Flowing structure supplemented with money by card
Flowing structure deposited by circle
Card consumption flowing structure
(2) communications protocol
Payment terminal and mode communication server
The communication of both sides is based on tcp/ip, is completed using socket (stream mode).Tcp/ip bottom is connected as long connection.
It is necessary to pass through to send out instruction bag when being connected pair first to set up connection, Ran Houzai with Communication Gateway after terminal software runs
The request instruction bag data sending every business reports instruction bag, asks summed data to report and is kept even by heartbeat packet during instruction
Connect.Communications platform receives request instruction bag data and reports instruction bag, after carrying out relevant treatment, reply data is sent to terminal
Software.Terminal software, after finding to disconnect with Communication Gateway, will automatically be sent out instruction bag during connection pair and re-establish even
Connect.Both sides formulate consistent timeout mechanism, disconnect when no responding for a long time.
Receive message format as follows:
Response message form is as follows
Payment code on-line payment application format
Entity card on-line payment form (offline member card on-line payment form)
Payment result reports form
Request form deposited by circle
Circle is deposited result and is reported
Principle is realized in 2 on-line payments
(1) mobile phone on-line payment
After handset binding member account, obtain an interim payment code to server during payment, with bar code or Quick Response Code
Form show, payment terminal pass through probe scanning cell phone on payment code, and transmit payment code arrive server initiate payment,
Payment code on-line payment application format in transmission means and transport format reference communications protocol.Server receives payment request
The validity of first checking payment code, finds corresponding member's account further according to payment code afterwards, then checks online in account
Remaining sum, if remaining sum purchase, deducts remaining sum, and returns and withhold successfully, if remaining sum is not, returns and withholds unsuccessfully.
(2) member card on-line payment
Payment terminal reads logic card number and the physics card number of member card by card read head for ID, and transmits payment code to server
Initiate to pay, the entity card on-line payment application format in transmission means and transport format reference communications protocol.Server receives
To the validity paying first checking payment code after request, find corresponding member's account further according to payment code, then check account
Online remaining sum in family, if remaining sum purchase, deducts remaining sum, and returns and withhold successfully, if remaining sum is not, returns mistake of withholing
Lose.
3 offline member cards realize principle
When using member card on-line payment failure or payment terminal to go offline be to say automatically to be transferred to offline electronic payment state.From
Check when line pays in card, whether remaining sum pays enough, if enough pay, Sorry, your ticket has not enough value for report, if remaining sum is more than payment,
Then from offline card, deduct remaining sum, and report offline electronic payment to withhold result to server.Offline card is using m1 card.Remaining in card
Volume need to first pass through circle and deposit write.The storage organization of offline card therefore must be planned, for storing user profile and remaining sum.Specifically set
Meter is as follows:
(1) offline card structure
Card internal storage structure
Card capacity is 8k position eeprom, and storage region is divided into 16 sectors (0～15), 4 pieces of each sector (block 0～3), is total to
64 pieces, it is addressed to 0～63 by block number, every piece of 16 bytes.
Sector inventory and priority assignation
Cipher key calculation method
1st, the left and right key of member card is carried out according to front 8byte to 0 block number respectively by two encryption keys in psam card
3des encrypts, and the data after being encrypted is as left and right key.
Concrete obtaining value method is as follows.
(1) there are two 3des key keyd1, keyd2 in psam card.Desdata is 0 block number according to front 8 bytes.
(2) keydata1=3des (desdata, keyd1)
(3) keydata2=3des (desdata, keyd2)
(4) keya=keydata1 (0,6) // start to take 6byte from offset address 0
(5) keyb=keydata2 (0,6) // start to take 6byte from offset address 2
Sample data is as follows:
Keyd1=ffffffffffffffffffffffffffffffff
Desdata=4c8bc3d4d0080400
Keydata1=4b 9a ca 4c 4b 18 af 1c keya=4b 9a ca 4c 4b 18
2nd, loaded corresponding secret key in psam card, left and right (the keya, keyb) key in 1 can have been calculated.
Concrete execute instruction is as follows:
Electricity in reset
// select to deposit the df catalogue of key file
00 a4 00 00 02 2f 01
// key 1 initializes
80 1a 07 01 00
Return: 90 00
// calculate
80 fa 00 00 08 4c 8b c3 d4 d0 08 04 00
Return: 61 08
// take response 00 c0 00 00 08
Return: 4b9aca4c4b18af1c takes the first six byte to obtain left key (keya) from this return value.
// key 2 initializes
80 1a 07 02 00
Return: 90 00
// calculate
80 fa 00 00 08 4c 8b c3 d4 d0 08 04 00
Return: 61 08
// take response 00 c0 00 00 08
Return: 7b56c098a59c16e7 takes the first six byte to obtain right key (keyb) from this return value
Sector control bit explanation
For sector 1-15 control bit do as described below:
(1) keya has the operation of read-only, depreciation, keyb have readable can write operation sector
Such sector control bit is set as 08778f69.
(2) keya, keyb all have readable can write operation sector
Such sector control bit is set as 7f078869.
(all starting to calculate from 0).
(2) offline card sector data composition
Card Back ground Information and parameter memory block (sector 1)
Consumer record main data area (sector 2)
Backup value data area (sector 3)
Consumer record Backup Data area (sector 4)
Supplement record main data area (sector 5) with money
Supplement record Backup Data area (sector 6) with money
(3) other explanations of offline electronic payment
1st, the permanent current balance preserving more than the 2nd sector of current balance that the 3rd sector preserves, if there is unequal, then
Take less for current balance.
If the effective marker position of 2 the 4th sectors is invalid, the data item of the 2nd sector is copied to the 3rd, 4 sector pair
In the data item answered.
If the effective marker of 3 the 2nd sectors is invalid, the corresponding data item of the 3rd, 4 sector is copied to the 2nd sector.
4th, before writing the 2nd sector, must ensure that the data of the 3rd, 4 sector is effective Backup Data, and the 4th sector
Effective marker position is effective.
5th, before the data writing the 3rd, 4 sector, must ensure that the data of the 2nd sector is valid data, and the 2nd sector
Effective marker position is effective.
6th, before the data writing the 5th sector, must ensure that the data of the 6th sector is valid data, and the 6th sector have
Valid flag position is effective.
7th, before the data writing the 6th sector, must ensure that the data of the 5th sector is valid data, and the
The effective marker position of 5 sectors is effective.
Workflow
Online account balance leaves line account
The remaining sum by the mobile phone terminal account executive of member for the member, each member comprises two remaining sum accounts, be respectively
Line payment of balance account and line payment of balance account.Acquiescence supplements the remaining sum that can increase on-line payment account with money, and member can be led to
Cross balance facilit and the remaining sum in this account is gone to offline account.Its flow process such as Fig. 3.
Member checks card mobile phone member management function, and mobile phone can say that the id of the unique end of mobile phone is transferred to server authentication and works as
The validity of front member.Server authentication currently can be for returning the online account balance of member after valid members.Mobile phone receives
After server returns, show currently available online account balance.Now member can will be transformed into offline account by input
Remaining sum.The remaining sum that mobile phone will go to offline account is sent to server.The remaining sum of online account is deducted after server authentication,
And write one and treat that record deposited by circle, it is then back to successfully.Display after mobile phone receives pass signal turns the success of the amount of money offline account.
Prompting user completes circle as early as possible and deposits.
Offline collar deposits flow process
After the amount of money of offline card must be write the balance transfer of online account in card as member to offline account, offline card
On remaining sum again without change, now operation must be deposited by circle, remaining sum is written in offline card.Idiographic flow such as Fig. 4.
The offline card of terminal scanning member deposited by circle, and circle is deposited terminal and deposited sequence number, logic card number and thing by reading the circle in blocking
Reason card number.Circle is deposited terminal initiation circle and is deposited request to server, and server first passes through logic card and physics card number verifies having of member
Effect property.Then the deposit data to be enclosed of sequence number is deposited in inquiry more than card centre circle.Then return circle if there are data and deposit the amount of money, otherwise return no
Treat that record deposited by circle.If circle is deposited terminal and received no circle and deposits record, point out member " no enclose and deposit record ", if receiving circle to deposit the amount of money
Then deposit the amount of money in offline card by reading card write circle, upload circle after write success and deposit successful information to server.
Mobile phone is withholdd flow process online
Member can be paid based on the payment code of temporary Authorization by having bound the mobile phone of member card, payment code with
The form of bar code or Quick Response Code shows on mobile phone.By the payment code complete payment for subscriptions on the probe scanning cell phone of payment terminal
Checking.Idiographic flow such as Fig. 5.
Member's mobile phone sends and pays request to server, and whether server authentication mobile phone binds member, and whether member's state
Normally, member's on-line payment account whether surplus.After being verified generate a provisional payment code, payment code after 1 minute from
Dynamic expired.Return payment code to mobile phone.The bar code of mobile phone display payment code or Quick Response Code.After payment terminal input deducted amount,
Payment code on scanning cell phone, and send payment request to server (comprise in payment request pay the bill code), server according to pair
, currently in the member account paying, whether the on-line payment account balance judging member is more than or equal to gold of withholing for the checking of money code
Volume, with regard to amount deducted, and returns and withholds successfully if greater than equal to deducted amount.Otherwise Sorry, your ticket has not enough value for return.Payment terminal connects
Receive and after seeing the return of server, show prompting of withholing according to returning result.
Offline card is withholdd flow process
Member can complete to pay by offline card.Store in offline card the logic card number/physics card number after encryption/when
Front offline account balance.If payment terminal is online, member can be navigated to according to the logic card number of offline card and physics card number
Account History, be directly punched in line account deduction remaining sum, if withholing failure or payment terminal portion online online, can be direct
Amount deducted in offline account balance on punching card.
Member shows offline card, the payment terminal input amount of money to be withholdd, and scans offline card using card read head for ID, from offline
The logic card number after encryption, physics card number and remaining sum is read in card.Judge whether current payment terminal is online, if online, sends out
On-line payment is sent to ask, whether just server verifies logic card and the corresponding account of physical card after receiving on-line payment request
Often.If normal, judge whether on-line payment account balance is more than or equal to deducted amount, if greater than or equal to gold of withholing
Volume is withholdd successfully with regard to returning after amount deducted.Then return if less than amount deducted that Sorry, your ticket has not enough value.If terminal receives service
Show after the success of withholing that device returns and withhold successfully.If terminal receive server return be that Sorry, your ticket has not enough value or payment terminal not
Online, then check whether the remaining sum in offline card is more than or equal to deducted amount.If greater than or then deduct equal to deducted amount
Remaining sum in offline card, returns and withholds successfully and report result of withholing.If deducted amount is not enough to withhold, display remaining sum is not
Foot is it is impossible to withhold.
The present invention passes through with reference to offline electronic payment and on-line payment, create under an account two sub- accounts one be used for from
Line pay one be used for on-line payment, member both on-line payment can have been carried out by mobile phone or card it is also possible to pass through card complete
Become offline electronic payment.Transformation payment terminal, it is possible to use mobile phone on-line payment, it is possible to use member card carries out offline electronic payment.Make
If the unobstructed acquiescence of network first deducts spending amount from online account when being consumed with member card, if online account balance is not enough
Rush the deduction amount of money to be consumed in the remaining sum of card again.Flow process such as Fig. 7.
Claims (4)
1. a kind of merge the offline and online method paid by mails it is characterised in that include online account balance leave line account,
Four parts that collar is deposited, mobile phone is withholdd online, offline card is withholdd offline；
Described online account balance leaves line account flow process and includes: the id of the unique end of mobile phone is transferred to server, checking
The validity of current member, the current member of server authentication is the online account balance of return member after valid members；Mobile phone connects
After receiving server returning result, show currently available online account balance, now online account balance is transformed into offline
In the remaining sum of account, the remaining sum that mobile phone will go to offline account is sent to server；Online account is deducted after server authentication
Remaining sum, and write one and treat that record deposited by circle, be then back to successfully；Mobile phone receive return pass signal after display turn the amount of money from
The success of line account, points out user to complete circle as early as possible and deposits；
Described offline collar is deposited flow process and is included: the offline card of terminal scanning member deposited by circle, and the circle reading in offline card is deposited sequence number, patrolled
Volume card number and physics card number, initiate circle and deposit request to arrive server, server passes through logic card and physics card number verifies having of member
Effect property, the deposit data to be enclosed of sequence number is deposited in then inquiry more than offline card centre circle, then returns circle if there are data and deposits the amount of money, otherwise returns
Return and no treat that record deposited by circle；If circle is deposited terminal and received no circle and deposits record, point out member " no enclose and deposit record ", if receive circle deposited
The amount of money then deposits the amount of money in offline card by reading card write circle, uploads circle and deposit successful information to server after write success；
Described mobile phone flow process of withholing online includes: member's mobile phone sends and pays request and arrive server, and whether server authentication mobile phone
Binding member, whether member's state is normal, member's on-line payment account whether surplus；One interim pair is generated after being verified
Money code, returns provisional payment code to mobile phone, mobile phone shows bar code or the Quick Response Code of provisional payment code；Payment terminal inputs gold of withholing
After volume, provisional payment code on scanning cell phone, and send the payment request comprising provisional payment code to server, server according to
Currently in the member account paying, whether the on-line payment account balance judging member is more than or equal to button for payment code checking
The money amount of money, if greater than or be equal to deducted amount, then amount deducted, and return and withhold successfully, otherwise return that Sorry, your ticket has not enough value；Pay
After terminal receives the return information of server, show prompting of withholing according to returning result；
Described offline card flow process of withholing includes: member shows offline card, the payment terminal input amount of money to be withholdd, and uses Card Reader
Head scanning offline card, reads the logic card number after encryption, physics card number and remaining sum from offline card, judges that current payment terminal is
No online, if online, send on-line payment request, server receives checking logic card and physics after on-line payment request
Whether normal block corresponding account, if normal, judge whether on-line payment account balance is more than or equal to deducted amount, such as
Fruit is more than or equal to deducted amount and withholds successfully with regard to returning after amount deducted；Then return if less than amount deducted that Sorry, your ticket has not enough value；
If consumption terminal shows after receiving the success of withholing that server returns withholdd successfully, if consumption terminal receives server
Return is that Sorry, your ticket has not enough value or payment terminal is not online, then check whether the remaining sum in offline card is more than or equal to deducted amount；As
Fruit then deducts the remaining sum in offline card more than or equal to deducted amount, returns and withholds successfully and report result of withholing；If withholdd
Insufficient in amount, then Sorry, your ticket has not enough value it is impossible to withhold for display.
2. a kind of system merging offline and online E-Payment is it is characterised in that include:
Terminal deposited by circle: for scanning the offline card of member, the circle reading in offline card deposits sequence number, logic card number and physics card number,
Initiate circle and deposit request to server；If receiving no circle to deposit record, point out member " no record deposited by circle ", if receiving circle to deposit gold
Volume then deposits the amount of money in offline card by reading card write circle, uploads circle and deposit successful information to server after write success；
Offline card: deposit the logic card number after sequence number, logic card number and physics card number, and encryption, physics card number for preserving circle
And remaining sum；
Consumption terminal: withhold successfully for showing after the success of withholing receiving server return, if receiving server
Return is that Sorry, your ticket has not enough value or payment terminal is not online, then check whether the remaining sum in offline card is more than or equal to deducted amount；As
Fruit then deducts the remaining sum in offline card more than or equal to deducted amount, returns and withholds successfully and report result of withholing；If withholdd
Insufficient in amount, then Sorry, your ticket has not enough value it is impossible to withhold for display；
Mobile phone or in line card: for the id of unique end is transferred to server, receiving the current member of server authentication be
After valid members and after returning the online account balance of member, show currently available online account balance, will go to offline
The remaining sum of account is sent to server；Receiving withhold successfully return pass signal after display turn the amount of money offline account success, carry
Show that user completes circle as early as possible and deposits；Send and pay request to server；The bar code of provisional payment code or two that display server sends
Dimension code；
Server: for the id of the unique end according to mobile phone, verify the validity of current member, and in the current member of checking be
The online account balance of member is returned after valid members；Reception will go to the remaining sum of offline account, deducts online account after checking
Remaining sum, and write one and treat that record deposited by circle, be then back to successful information to mobile phone；Request deposited by the circle receiving offline card initiation,
Verify the validity of member by logic card and physics card number, the poke to be enclosed of sequence number is deposited in then inquiry more than offline card centre circle
According to then returning circle if there are data and deposit the amount of money, otherwise return and no treat that record deposited by circle；Receive and pay request, whether checking mobile phone is tied up
Determine member, member's state is whether normal, member's on-line payment account whether surplus；A provisional payment is generated after being verified
Code, returns provisional payment code to mobile phone；Receive the payment request comprising provisional payment code, currently existed according to payment code checking
The member account paying, judges the on-line payment account balance of member whether more than or equal to deducted amount, if greater than or wait
In deducted amount, then amount deducted, and return and withhold successfully, otherwise return that Sorry, your ticket has not enough value；Receive on-line payment request posteriority
Whether the logic card of card offline card and the corresponding account of physical card are normal, if normal, whether judge on-line payment account balance
More than or equal to deducted amount, if greater than or be equal to deducted amount and withhold successfully with regard to returning after amount deducted；If less than button
Except the amount of money then returns, Sorry, your ticket has not enough value.
3. the system merging offline and online E-Payment according to claim 3 is it is characterised in that end deposited by described circle
End, consumption terminal and the communication of described server are based on tcp/ip agreement, are completed using socket, and tcp/ip bottom is connected as growing
Connect.
4. according to claim 3 merge offline with the online system paid by mails it is characterised in that described offline card
Storage region is divided into 16 sectors, and each sector includes 4 pieces, every piece of 16 bytes.
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| CN201610738339.0A CN106339868A (en) | 2016-08-26 | 2016-08-26 | Off-line and on-line fused e-payment method and system |
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| CN201610738339.0A CN106339868A (en) | 2016-08-26 | 2016-08-26 | Off-line and on-line fused e-payment method and system |
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| CN201610738339.0A Pending CN106339868A (en) | 2016-08-26 | 2016-08-26 | Off-line and on-line fused e-payment method and system |
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| CN106845985A (en) * | 2017-02-07 | 2017-06-13 | 桂林理工大学 | Visible ray with hidden channel and bar code ca authentication on-line payment method |
| CN107516212A (en) * | 2017-08-17 | 2017-12-26 | 湖南金码智能设备制造有限公司 | Online, member card method of payment, the on-line payment method and system combined offline |
| CN107545429A (en) * | 2017-08-31 | 2018-01-05 | 北京博思汇众科技股份有限公司 | A kind of amusement park IOT methods of payment and system |
| CN107665427A (en) * | 2017-08-22 | 2018-02-06 | 阿里巴巴集团控股有限公司 | A kind of offline electronic payment, business processing, the method and device of payment processes |
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| CN106845985B (en) * | 2017-02-07 | 2021-01-05 | 桂林理工大学 | Visible light and bar code CA authentication online payment method with hidden channel |
| CN107516212A (en) * | 2017-08-17 | 2017-12-26 | 湖南金码智能设备制造有限公司 | Online, member card method of payment, the on-line payment method and system combined offline |
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| US11836732B2 (en) | 2017-08-22 | 2023-12-05 | Advanced New Technologies Co., Ltd. | Method and apparatus for offline payment, service processing, and payment processing |
| US11113697B2 (en) | 2017-08-22 | 2021-09-07 | Advanced New Technologies Co., Ltd. | Method and apparatus for offline payment, service processing, and payment processing |
| CN107545429A (en) * | 2017-08-31 | 2018-01-05 | 北京博思汇众科技股份有限公司 | A kind of amusement park IOT methods of payment and system |
| CN109658084A (en) * | 2017-10-11 | 2019-04-19 | 北京京东尚科信息技术有限公司 | The method and system of offline electronic payment |
| CN109658084B (en) * | 2017-10-11 | 2023-05-30 | 北京京东尚科信息技术有限公司 | Offline payment method and system |
| CN109299967A (en) * | 2018-08-15 | 2019-02-01 | 深圳壹账通智能科技有限公司 | Member's integration method and device, mobile terminal and readable storage medium storing program for executing |
| CN109389484A (en) * | 2018-09-26 | 2019-02-26 | 中国平安人寿保险股份有限公司 | Account is entered an item of expenditure in the accounts method, apparatus, computer equipment and storage medium |
| US11410150B2 (en) | 2018-11-19 | 2022-08-09 | Advanced New Technologies Co., Ltd. | Method, server, and readable storage medium for processing payment in offline scenario |
| CN110046881A (en) * | 2018-11-19 | 2019-07-23 | 阿里巴巴集团控股有限公司 | Payment processing method, server and readable storage medium storing program for executing under offline scenario |
| US11727381B2 (en) | 2018-11-19 | 2023-08-15 | Advanced New Technologies Co., Ltd. | Method, server, and readable storage medium for processing payment in offline scenario |
| CN109493032A (en) * | 2018-12-12 | 2019-03-19 | 四川商通实业有限公司 | The method and its system of tripartite's combined payment are realized based on prepaid card |
| CN110175838A (en) * | 2019-05-24 | 2019-08-27 | 广东飞企互联科技股份有限公司 | Offline barcode scanning method of payment and offline barcode scanning payment mechanism |
| CN110163598A (en) * | 2019-05-24 | 2019-08-23 | 广东飞企互联科技股份有限公司 | Mobile offline electronic payment method and mobile offline electronic payment system |
| CN111311250A (en) * | 2020-01-17 | 2020-06-19 | 北京随手精灵科技有限公司 | Method, device and system for supporting off-line and on-line payment |
| TWI773012B (en) * | 2020-01-21 | 2022-08-01 | 茂為歐買尬數位科技股份有限公司 | Transaction method and transaction system thereof using communication platform |
| CN111340505A (en) * | 2020-03-20 | 2020-06-26 | 支付宝(杭州)信息技术有限公司 | Payment method and device and electronic equipment |
| CN111768191A (en) * | 2020-06-22 | 2020-10-13 | 江苏高聚识别技术有限公司 | Fingerprint identification consumption system for shopping mall member settlement |
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