CN109472588A - A kind of offline electronic payment method, apparatus, equipment and storage medium based on block chain - Google Patents
A kind of offline electronic payment method, apparatus, equipment and storage medium based on block chain Download PDFInfo
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- CN109472588A CN109472588A CN201811265616.6A CN201811265616A CN109472588A CN 109472588 A CN109472588 A CN 109472588A CN 201811265616 A CN201811265616 A CN 201811265616A CN 109472588 A CN109472588 A CN 109472588A
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3827—Use of message hashing
-
- 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
- G06Q20/4014—Identity check for transactions
-
- 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
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The present invention relates to a kind of offline electronic payment method, apparatus, equipment and storage mediums based on block chain, which comprises when off-line state, establishes connection and is communicated；Transaction Information is verified, payment processing is completed；Generate bill information；When presence, bill information, payment account information and collecting account information are generated into transaction block.The above method can by short distance connection communication, complete off-line state under Transaction Information a series of processing, processing mode is simple, convenient, while solving the problems, such as that off-line state is unable to complete mobile payment, have efficiently, safely, conveniently the characteristics of.
Description
Technical field
The present invention relates to mobile payment field, in particular to a kind of offline electronic payment method, apparatus, equipment based on block chain
And storage medium.
Background technique
Mobile payment quick fashionable payment market in a manner of convenient, shirtsleeve operation, not only breaks traditional payment mode,
Even more earth-shaking variation is brought to each field such as financial circles, service trade.More and more entity and individual pass through movement
The modes such as terminal, internet directly or indirectly send payment instruction to bank finance mechanism and generate currency payment and fund transfer row
For, so that the rapid and convenient of cash-free life, office is realized, but since mobile payment must be set up on the basis of internet
Upper completion transaction, this area being just limited to network signal bring great inconvenience, also reduce the successful probability of payment, give
User brings many puzzlements.
Current mobile payment most of on the market mostly uses the mode of on-line payment to complete, and is unable to satisfy without network-like
Payment transaction under state, and without often will cause under network state, payment fails, repetition is paid, payment information can not match
The occurrence of, inconvenience is caused to user.
Summary of the invention
Based on this, it is necessary to for often will cause under no network state payment failure, repeat payment, payment information can not
The problems such as matching, provides a kind of offline electronic payment method, apparatus, equipment and storage medium based on block chain.
A kind of offline electronic payment method based on block chain, comprising:
When at least one in cash receiving terminal or checkout terminal is in off-line state, the cash receiving terminal and the payment are eventually
End is established connection and is communicated；
The checkout terminal receives the payment data and collecting account information that the cash receiving terminal is sent；
The checkout terminal is according to the payment data and the collecting account Information Authentication Transaction Information, and the payment is eventually
Payment processing is completed according to the Transaction Information verification result and payment result and payment account information are fed back into the receipts in end
Money terminal；
The cash receiving terminal generates bill information according to the payment result and the payment account information, and by the account
Single information is sent to the checkout terminal；
When the cash receiving terminal or the checkout terminal is any be online when, the gathering that is online
The bill information, the payment account information and the collecting account information are generated trading post by terminal or the checkout terminal
Block, by the transaction block in block catenary system cochain, form new block chain.
The connection type used between the cash receiving terminal and the checkout terminal in one of the embodiments, is NFC
Near radio transmission or bluetooth connection.
A kind of offline electronic payment method based on block chain in one of the embodiments, further includes:
When the checkout terminal or the cash receiving terminal when first used, pass through preset real-name authentication interface obtain user
The real-name authentication information of upload, complete real-name authentication, the real-name authentication information include but is not limited to the user identity prove,
At least one of terminal name, the user fingerprints information, payment accounts information or payment arrangement.
The checkout terminal is according to the payment data and the collecting account Information Authentication in one of the embodiments,
Transaction Information, the checkout terminal complete payment processing according to the Transaction Information verification result and payment result are fed back to institute
State cash receiving terminal, comprising:
The checkout terminal receives the payment data and the collecting account information and is shown in the checkout terminal
On validation of information interface；
The checkout terminal alerting users verify the payment data and whether the collecting account is consistent, when receiving
State user feedback verifying it is consistent when, the checkout terminal completes payment processing and feeds back payment result to the cash receiving terminal, when
Receive user feedback verifying it is inconsistent when, payment is simultaneously unsuccessfully fed back to the gathering by the checkout terminal refusal to pay
Terminal.
It is described when the cash receiving terminal or the checkout terminal is any is online in one of the embodiments,
When, the cash receiving terminal or the checkout terminal that are online by the bill information, the payment account information and
The collecting account information generates transaction block, by the transaction block in block catenary system cochain, form new block chain,
Include:
When the cash receiving terminal or the checkout terminal is any be online when, the gathering that is online
The bill information, the payment account information, the collecting account information are uploaded to block by terminal or the checkout terminal
Offline electronic payment transaction node in catenary system；
The off-line trading node is according to the bill information, the payment account information, the collecting account information meter
Calculate target cryptographic Hash；
The cryptographic Hash of previous block in the offline electronic payment transaction node reference block chained record list, by the previous area
The cryptographic Hash of block, timestamp, the target cryptographic Hash generation area build, by the bill information, the payment account information, institute
Collecting account information generation area block is stated, the block head and the block body form transaction block.
A kind of offline electronic payment method based on block chain in one of the embodiments, further includes:
The off-line trading node broadcasts the transaction block of cochain in the block catenary system；
Each node in the block catenary system is by the block of the record information update of the transaction block to own node
In chained record list.
It is described when the cash receiving terminal or the checkout terminal is any is online in one of the embodiments,
When, the cash receiving terminal or the checkout terminal that are online by the bill information, the payment account information and
The collecting account information generates transaction block, by the transaction block in block catenary system cochain, form new block chain,
Further include:
When the cash receiving terminal is online, by gathering side chain of the transaction block cochain into the block catenary system；
When the checkout terminal is online, by payment side chain of the transaction block cochain into the block catenary system.
Based on the same technical idea, the present invention also provides a kind of offline electronic payment device based on block chain, described one
Planting the offline electronic payment device based on block chain includes:
Communication building block is used for the receipts when at least one in cash receiving terminal or checkout terminal is in off-line state
Money terminal is established connection with the checkout terminal and is communicated；
Receiving module is paid, receives the payment data and collecting account that the cash receiving terminal is sent for the checkout terminal
Information；
Validation of payment module is handed over for the checkout terminal according to the payment data and the collecting account Information Authentication
Easy information, the checkout terminal according to the Transaction Information verification result complete payment processing and by payment results and Send only Account
Information feeds back to the cash receiving terminal；
Bill generation module generates account according to the payment result and the payment account information for the cash receiving terminal
Single information, and the bill information is sent to the checkout terminal；
Block cochain module, when the cash receiving terminal or the checkout terminal is any be online when, in online
The cash receiving terminal or the checkout terminal of state are by the bill information, the payment account information and the collecting account
Information at transaction block, by the transaction block in block catenary system cochain, form new block chain.
A kind of computer equipment, including memory and processor are stored with computer-readable instruction in the memory, institute
When stating computer-readable instruction and being executed by the processor so that the processor execute it is described above a kind of based on block chain
The step of offline electronic payment method.
A kind of storage medium being stored with computer-readable instruction, the computer-readable instruction are handled by one or more
When device executes, so that the step of one or more processors execute a kind of offline electronic payment method based on block chain described above.
Above-mentioned a kind of offline electronic payment method, apparatus, equipment and storage medium based on block chain, by establishing off-line state
Short-range communication receives payment data and collecting account information, the processing for bill of completing to trade under off-line state, while by bill
Information, collecting account information, payment account information are uploaded to block catenary system, complete the mobile payment under off-line state.This hair
The bright smooth development for completing mobile payment under off-line state has ensured mobile payment being normally carried out in no network condition, letter
It is single, convenient, easy to operate, the historical difficulty of mobile payment is not only solved, more provides safety guarantee to the convenient life of user,
It avoids payment failure, repeat the case where paying.
Detailed description of the invention
By reading the following detailed description of the preferred embodiment, various other advantages and benefits are common for this field
Technical staff will become clear.The drawings are only for the purpose of illustrating a preferred embodiment, and is not considered as to the present invention
Limitation.
Fig. 1 is a kind of flow chart of the offline electronic payment method based on block chain in one embodiment of the invention；
Fig. 2 is the flow chart of step S3 validation of payment in one embodiment of the invention；
Fig. 3 is the flow chart of step S5 block cochain in one embodiment of the invention；
Fig. 4 is the flow chart that step S6 broadcast updates in one embodiment of the invention；
Fig. 5 is a kind of schematic diagram of the offline electronic payment device based on block chain in one embodiment of the invention.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
Those skilled in the art of the present technique are appreciated that unless expressly stated, singular " one " used herein, " one
It is a ", " described " and "the" may also comprise plural form.It is to be further understood that being arranged used in specification of the invention
Diction " comprising " refer to that there are the feature, integer, step, operation, element and/or component, but it is not excluded that in the presence of or addition
Other one or more features, integer, step, operation, element, component and/or their group.
Fig. 1 is a kind of flow chart of the offline electronic payment method based on block chain of the present invention, as shown in Figure 1, a kind of be based on area
The offline electronic payment method of block chain, comprising the following steps:
Step S1, connection setup: when at least one in cash receiving terminal or checkout terminal is in off-line state, the gathering
Terminal is established connection with the checkout terminal and is communicated.
This step is to wrap in cash receiving terminal or checkout terminal there are implementing in the case that at least one is in off-line state
The case where including the cash receiving terminal or the checkout terminal while being in off-line state, the method selection specifically communicated to connect: NFC
Near radio transmission or bluetooth connection.
Short-range communication, is a kind of emerging technology, and the equipment for having used NFC technique, such as mobile phone, plate etc. can be
Data exchange is carried out in the case where close to each other, is evolved by non-contact radio-frequency identification and the integration of interconnection and interflow technology,
By the function of integrated induction formula card reader, icah wavw and point-to-point communication on a single chip, mobile terminal reality is utilized
The application such as existing mobile payment, electronic bill, gate inhibition, mobile identification, anti-fake, can be used for network disconnection, terminal be in from
The transmission of data under linear state.
In specific design, such as when taking pubic transport or subway, mobile phone terminal utilizes NFC function, whether or not in
Presence can complete mobile payment, application terminal common at present: Apple Pay, Huawei's payment, the mobile money of millet
Packet.
The present embodiment realizes the progress paid under off-line state, completion by using contactless short range transmission
Mobile payment is in the short slab under off-line state, while simple, easy to operate, and usage mode is flexibly, efficiently.
Step S2, payment receive: the checkout terminal receives the payment data and collecting account that the cash receiving terminal is sent
Information.
In specific design, if supermarket shopping uses mobile payment, when super market checkout person's gathering, swept using scanner
After the two dimensional code or bar code of retouching customer's mobile terminal, cash receiving terminal will be by payment data and the transmission payment of collecting account information
Money terminal.
The present embodiment uses mobile payment, substantially increases the efficiency of cash register, reduces transaction cost, promotes cash-free
The fast development of payment, keeps people's lives more convenient, has also driven the transition and upgrade of traditional transaction way.
Step S3, validation of payment: the checkout terminal is handed over according to the payment data and the collecting account Information Authentication
Easy information, the checkout terminal according to the Transaction Information verification result complete payment processing and by payment results and Send only Account
Information feeds back to the cash receiving terminal.
The legitimacy of Transaction Information is necessary to ensure that before implementing this step, therefore the cash receiving terminal and the payment are eventually
End is necessary for real-name authentication terminal.
When the checkout terminal or the cash receiving terminal when first used, pass through preset real-name authentication interface obtain user
The real-name authentication information of upload, complete real-name authentication, the real-name authentication information include but is not limited to the user identity prove,
At least one of terminal name, the user fingerprints information, payment accounts information or payment arrangement.
The cash receiving terminal of real-name authentication and checkout terminal can carry out mobile payment, and Fig. 2 is in one embodiment of the invention
The flow chart of step S3 validation of payment, as shown in Fig. 2, step S3 may include following specific steps:
Step S301, payment feedback: the checkout terminal receives the payment data and the collecting account information and shows
Show on the validation of information interface of the checkout terminal；
Step S302, verification processing: the checkout terminal alerting users verify the payment data and the collecting account
It is whether consistent, when receive the user feedback verifying it is consistent when, the checkout terminal completes payment processing and simultaneously feeds back payment knot
Fruit to the cash receiving terminal, when receive the user feedback verifying it is inconsistent when, the checkout terminal refusal to pay simultaneously will branch
It pays and unsuccessfully feeds back to the cash receiving terminal.
Display screen is arranged in the checkout terminal in this step, for checking the specific payment data and the receipts by user
LED display, multi-contact touch screen, liquid crystal display etc. specifically can be selected in money account information.Transaction needs can specifically be completed
The payment equipment confirmation message is provided after user checks, the payment equipment is propped up according to the information fed back after confirmation
It pays.
In specific design, when supermarket shopping, which scans, to be paid, payment data and collecting account information all can be in users
Mobile phone terminal shows that user can check specific Transaction Information in mobile phone terminal, confirms the achievable transaction in errorless rear.
The present embodiment implementation process must be carried out in the case where terminal real-name authentication, ensure chasing after for information
Tracing back property, while by payment information domination, the achievable transaction in rear is confirmed by user, has ensured the right to know and legal power of user
Benefit provides dual safety guarantee to mobile payment.
Step S4, bill generate: the cash receiving terminal generates account according to the payment result and the payment account information
Single information, and the bill information is sent to the checkout terminal.
This step arranges the transaction data completed on the basis of payment is completed, will specifically pay in
Appearance, payment data, payment account information and collecting account information unification be a bill, be sent to checkout terminal as verification and
Paying voucher.
In specific design, the clients such as the terminal of mobile payment, such as Alipay, wechat, Unionpay's payment are used
To see the specific details of complete transaction, user directly can check transaction record in client.
Particular transactions content is done electronic disposal by the present embodiment, checks consumption information at any time convenient for user, if while with
Family is fixed to use certain payment client terminals, can understand personal use habit and Transaction Details in detail, be convenient for user's reasonable arrangement
Personal capital turnover.
Step S5, block cochain: when the cash receiving terminal or the checkout terminal is any be online when, in
The cash receiving terminal or the checkout terminal of linear state are by the bill information, the payment account information and the gathering account
Family information generate transaction block, by the transaction block in block catenary system cochain, form new block chain.
Block catenary system is a distributed link account book, each account book is exactly a block, and block is much to hand over
The set of easy data, the unique tag of the previous block of its labeled upper timestamp sum, effective block obtain whole network
Common recognition can be appended in main block chain after approving, block chain is that have the block comprising Transaction Information orderly to link from back to front
Data structure.
Fig. 3 is the flow chart that step S5 block generates in one embodiment of the invention, as shown in figure 3, in one embodiment
In, step S5 may include following specific steps:
Step S501, data upload: when the cash receiving terminal or the checkout terminal is any be online when, be in
The cash receiving terminal or the checkout terminal of presence are by the bill information, the payment account information, the gathering
Account information is uploaded to the offline electronic payment transaction node in block catenary system.
Step S502, cryptographic Hash calculate: the off-line trading node is believed according to the bill information, the Send only Account
Breath, the collecting account information calculate target cryptographic Hash.
Cryptographic Hash also known as " hashes ", is the output for the input of random length being transformed by hashing algorithm regular length,
The output is exactly hashed value.This conversion is that a kind of compression maps, cryptographic Hash be simply understood as be one piece of data DNA, or
One section of longer data is mapped as shorter and smaller data, this section of small data is exactly by certain hash algorithm by person's identity card
The cryptographic Hash of big data.Cryptographic Hash is unique, once big data is changed, even a small variation, Hash
Value can also change, and ensure that the cryptographic Hash without two data is identical.Exactly because such feature, Hash
Value is usually used to distinguish two different files, and the hash algorithm constructed based on hash function is usually used in realizing that data are complete
Whole property and entity authentication, while also constituting the safety guarantee of a variety of cipher systems and agreement.This step will by calculating cryptographic Hash
Off-line trading node distinguishes, and is the label distinguished as node.
The present embodiment effective use hash value algorithms distinguish off-line trading node, avoid what different blocks duplicated
Possibility ensure that the uniqueness of data block, avoid obscuring for data, also ensure the safety of data.
Step S503, block generate: previous block in the offline electronic payment transaction node reference block chained record list
Cryptographic Hash, by the cryptographic Hash of the previous block, timestamp, the target cryptographic Hash generation area build, by the bill information,
The payment account information, the collecting account information generation area block, the block head and the block body form trading post
Block.
Each data block generally comprises block head and block body two parts in block catenary system, encapsulates in block head
The information such as cryptographic Hash, timestamp, random number, the target cryptographic Hash of current block of previous block, block body then include that transaction is detailed
Feelings.If the data of block are absolutely exactly pseudo- block chain project, only by the content uploading of block to block without cochain
Catenary system is just able to achieve the link of block catenary system, realizes the shared of data resource and uses, also can more play block catenary system
Credit worthiness.
The present embodiment uses block chain technical notes Transaction Information, has subversive value, since block chain technology is
The public account book established by way of shared common recognition between participant, therefore the information in block chain is naturally exactly that participant is recognized
Can, the unique, information source that can trace to the source, can not distort, originally the process of many repeated authentications and manipulation can simplify, and mention
Efficiency is risen；Transaction based on block chain needs to trust that counterparty is different, and block chain technology can make from conventional transaction simultaneously
With modes such as intelligent contracts, guarantee that transaction is automatically performed corresponding obligation in many ways, it is ensured that transaction security, to reduce the credit of opponent
Risk；Real-time settlement of transactions and clearance may be implemented in block chain technology, reduces the time, improves efficiency.
Fig. 4 is the flow chart that step S6 broadcast updates in one embodiment of the invention, as shown in figure 4, in one embodiment
In, step S6 may include following specific steps:
Step S601, block broadcast: the off-line trading node is by the transaction block of cochain in the block chain
It is broadcasted in system.
Step S602, list update: each node in the block catenary system by the record information of the transaction block more
Newly into the block chained record list of own node.
To realize to interconnect between block for the block that data storage is completed, as internet, realizes each
The link of block, to form big block chain network.The broadcast of block chain is built upon the basis that there is intercommunication between points
On, in block catenary system, each node can remember that it is most recently successfully the network node of link, it can be with after restarting
Promptly re-establish and link with previous peer node, when there is new link or lose have link when, node can be established
One or more new links, node are also sent to its adjacent node, adjacent node meeting comprising own IP address message for one
This message is successively transmitted to their own adjacent node again, to guarantee that nodal information is received by multiple nodes, guarantees
It links more stable.This step interior joint is exactly successfully to send message on the basis of block of trading successfully links block chain network
Other nodes are sent to the node of link, then the node by the way that link is completed, and realize the broadcast of information.
Transaction Information is carried out disclosure by the present embodiment in block catenary system, since block chain technology can be preferably by institute
There is transaction and intelligent contract to be monitored in real time, and by irrevocable, non-repudiation, can not distort in a manner of retain, facilitate prison
Pipe mechanism realizes real time monitoring and supervision, also facilitates participant to realize automatic chemical combination rule processing, to promote transparency, realizes
More efficiently real-time monitoring avoids fraud.
Step S5, transaction block process of cochain in the block catenary system further includes following two situation:
When the cash receiving terminal is online, by gathering side chain of the transaction block cochain into the block catenary system；
When the checkout terminal is online, by payment side chain of the transaction block cochain into the block catenary system.
From the relationship of chain and chain, block chain can be divided into main chain and side chain, and foundation cash receiving terminal and payment are whole in this step
It holds the node of cochain different, block chain has been divided into gathering side chain and payment side chain, the side chain that different uploading nodes upload
It is different.Firewall is equipped between side chain, the mistake of data or uploading nodes on a side chain cause on chain the loss of assets or
Increase the loss or increase for not interfering with the assets on another chain, even if block chain occurs in the transfer process of assets
Recombination, will not go wrong, and terminal caused by any recombination because of block chain is confined to will not influence other areas on this side chain
Block chain, can be mutually indepedent between usual side chain, and user can provide data from other chains.
The present embodiment distinguishes the data in block chain by way of side chain, is effectively reduced because of error in data or node
Upload the cost that mistake causes large area block to recombinate, at the same can by data from distinguishing backup between different side chains,
Prevent data and assets loss.
The present invention is based on block chains to establish offline electronic payment system, is that network trading can be solved with low-down cost
Identification and personal reference problem, and traditional centralized clearance structure is avoided using point-to-point transaction, so as to
The operational efficiency of the even entire economic system of financial system is enough greatly improved, the use of technically mode is creatively both parties
Credit is established, is participated in without the third-party institution, to significantly reduce transaction cost, with also reducing exchange of value credit
Cost.
In one embodiment it is proposed that a kind of offline electronic payment device based on block chain, as shown in figure 5, comprising:
Communication building block is used for the receipts when at least one in cash receiving terminal or checkout terminal is in off-line state
Money terminal is established connection with the checkout terminal and is communicated；
Receiving module is paid, receives the payment data and collecting account that the cash receiving terminal is sent for the checkout terminal
Information；
Validation of payment module is handed over for the checkout terminal according to the payment data and the collecting account Information Authentication
Easy information, the checkout terminal according to the Transaction Information verification result complete payment processing and by payment results and Send only Account
Information feeds back to the cash receiving terminal；
Bill generation module generates account according to the payment result and the payment account information for the cash receiving terminal
Single information, and the bill information is sent to the checkout terminal；
Block cochain module, when the cash receiving terminal or the checkout terminal is any be online when, in online
The cash receiving terminal or the checkout terminal of state are by the bill information, the payment account information and the collecting account
Information at transaction block, by the transaction block in block catenary system cochain, form new block chain.
In one embodiment it is proposed that a kind of computer equipment, including memory and processor, it is stored in memory
Computer-readable instruction, when computer-readable instruction is executed by processor, so that reality when processor executes computer-readable instruction
A kind of step in existing the various embodiments described above in the offline electronic payment method based on block chain.
In one embodiment it is proposed that a kind of storage medium for being stored with computer-readable instruction, computer-readable finger
When order is executed by one or more processors, so that one or more processors execute one kind in the various embodiments described above and are based on block
Step in the offline electronic payment method of chain.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, which can be stored in a computer-readable storage and be situated between
In matter, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, storage medium above-mentioned can be
Non-volatile memory mediums or the random storages such as magnetic disk, CD, read-only memory (ReA/D-Only Memory, ROM)
Memory body (Random Access Memory, RAM) etc..
Each technical characteristic of embodiment described above can be combined arbitrarily, for simplicity of description, not to above-mentioned reality
It applies all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, all should be considered as described in this specification.
The embodiments described above only express several embodiments of the present invention, and the description thereof is more specific and detailed, but simultaneously
Limitations on the scope of the patent of the present invention therefore cannot be interpreted as.It should be pointed out that for those of ordinary skill in the art
For, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to guarantor of the invention
Protect range.Therefore, the scope of protection of the patent of the invention shall be subject to the appended claims.
Claims (10)
1. a kind of offline electronic payment method based on block chain characterized by comprising
When at least one in cash receiving terminal or checkout terminal is in off-line state, the cash receiving terminal is built with the checkout terminal
Vertical connection is communicated；
The checkout terminal receives the payment data and collecting account information that the cash receiving terminal is sent；
The checkout terminal according to the payment data and the collecting account Information Authentication Transaction Information, the checkout terminal according to
Payment processing is completed according to the Transaction Information verification result and payment result and payment account information are fed back into the gathering eventually
End；
The cash receiving terminal generates bill information according to the payment result and the payment account information, and the bill is believed
Breath is sent to the checkout terminal；
When the cash receiving terminal or the checkout terminal is any be online when, the cash receiving terminal that is online
Or the bill information, the payment account information and the collecting account information are generated transaction block by the checkout terminal,
By the transaction block in block catenary system cochain, form new block chain.
2. a kind of offline electronic payment method based on block chain as described in claim 1, which is characterized in that the cash receiving terminal with
The connection type used between the checkout terminal transmits for NFC near radio or bluetooth connection.
3. a kind of offline electronic payment method based on block chain as described in claim 1, which is characterized in that further include:
When the checkout terminal or the cash receiving terminal when first used, pass through preset real-name authentication interface obtain user upload
Real-name authentication information, complete real-name authentication, the real-name authentication information include but is not limited to the user identity prove, terminal
At least one of title, the user fingerprints information, payment accounts information or payment arrangement.
4. a kind of offline electronic payment method based on block chain as described in claim 1, which is characterized in that the checkout terminal according to
According to the payment data and the collecting account Information Authentication Transaction Information, the checkout terminal is verified according to the Transaction Information
As a result it completes payment processing and payment result is fed back into the cash receiving terminal, comprising:
The checkout terminal receives the payment data and the collecting account information and the information for being shown in the checkout terminal
Confirm on interface；
The checkout terminal alerting users verify the payment data and whether the collecting account is consistent, when receiving the use
When family feedback validation is consistent, the checkout terminal completes payment processing and feeds back payment result to the cash receiving terminal, works as reception
When inconsistent to user feedback verifying, payment is simultaneously unsuccessfully fed back to the gathering eventually by the checkout terminal refusal to pay
End.
5. a kind of offline electronic payment method based on block chain as described in claim 1, which is characterized in that when the cash receiving terminal
Or the checkout terminal is any when being online, the cash receiving terminal or the checkout terminal being online are by institute
It states bill information, the payment account information and the collecting account information and generates transaction block, by the transaction block in area
Cochain in block catenary system forms new block chain, comprising:
When the cash receiving terminal or the checkout terminal is any be online when, the cash receiving terminal that is online
Or the bill information, the payment account information, the collecting account information are uploaded to block linkwork by the checkout terminal
Offline electronic payment transaction node in system；
The off-line trading node calculates mesh according to the bill information, the payment account information, the collecting account information
Mark cryptographic Hash；
The cryptographic Hash of previous block in the offline electronic payment transaction node reference block chained record list, by the previous block
Cryptographic Hash, timestamp, the target cryptographic Hash generation area build, by the bill information, the payment account information, the receipts
Money account information generation area block, the block head and the block body form transaction block.
6. a kind of offline electronic payment method based on block chain as claimed in claim 5, which is characterized in that further include:
The off-line trading node broadcasts the transaction block of cochain in the block catenary system；
Each node in the block catenary system remembers the block chain of record information update to the own node of the transaction block
It records in list.
7. a kind of offline electronic payment method based on block chain as claimed in claim 5, which is characterized in that described to work as the gathering
The terminal or checkout terminal is any when being online, the cash receiving terminal or the checkout terminal that are online
The bill information, the payment account information and the collecting account information are generated into transaction block, by the transaction block
The cochain in block catenary system forms new block chain, further includes:
When the cash receiving terminal is online, by gathering side chain of the transaction block cochain into the block catenary system；
When the checkout terminal is online, by payment side chain of the transaction block cochain into the block catenary system.
8. a kind of offline electronic payment device based on block chain characterized by comprising
Communication building block, for when at least one in cash receiving terminal or checkout terminal is in off-line state, the gathering to be eventually
End is established connection with the checkout terminal and is communicated；
Receiving module is paid, receives the payment data and collecting account letter that the cash receiving terminal is sent for the checkout terminal
Breath；
Validation of payment module, for the checkout terminal according to the payment data and collecting account Information Authentication transaction letter
Breath, the checkout terminal according to the Transaction Information verification result complete payment processing and by payment results and payment account information
Feed back to the cash receiving terminal；
Bill generation module generates bill letter according to the payment result and the payment account information for the cash receiving terminal
Breath, and the bill information is sent to the checkout terminal；
Block cochain module, when the cash receiving terminal or the checkout terminal is any be online when, be online
The cash receiving terminal or the checkout terminal by the bill information, the payment account information and the collecting account information
At transaction block, by the transaction block in block catenary system cochain, form new block chain.
9. a kind of computer equipment, including memory and processor, it is stored with computer-readable instruction in the memory, it is described
When computer-readable instruction is executed by the processor, so that the processor executes such as any one of claims 1 to 7 right
It is required that a kind of the step of offline electronic payment method based on block chain.
10. a kind of storage medium for being stored with computer-readable instruction, the computer-readable instruction is handled by one or more
When device executes, so that one or more processors execute one kind as described in any one of claims 1 to 7 claim and are based on area
The step of offline electronic payment method of block chain.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811265616.6A CN109472588A (en) | 2018-10-29 | 2018-10-29 | A kind of offline electronic payment method, apparatus, equipment and storage medium based on block chain |
| PCT/CN2018/124203 WO2020087736A1 (en) | 2018-10-29 | 2018-12-27 | Blockchain-based offline payment method and apparatus, and device and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811265616.6A CN109472588A (en) | 2018-10-29 | 2018-10-29 | A kind of offline electronic payment method, apparatus, equipment and storage medium based on block chain |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109472588A true CN109472588A (en) | 2019-03-15 |
Family
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811265616.6A Pending CN109472588A (en) | 2018-10-29 | 2018-10-29 | A kind of offline electronic payment method, apparatus, equipment and storage medium based on block chain |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN109472588A (en) |
| WO (1) | WO2020087736A1 (en) |
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