CN109658084A - The method and system of offline electronic payment - Google Patents
The method and system of offline electronic payment Download PDFInfo
- Publication number
- CN109658084A CN109658084A CN201710941068.3A CN201710941068A CN109658084A CN 109658084 A CN109658084 A CN 109658084A CN 201710941068 A CN201710941068 A CN 201710941068A CN 109658084 A CN109658084 A CN 109658084A
- Authority
- CN
- China
- Prior art keywords
- electronic payment
- offline electronic
- user
- information
- money order
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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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
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
-
- 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
-
- 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
Abstract
The embodiment of the present invention provides a kind of method and system of offline electronic payment, this method comprises: obtaining the offline electronic payment information of the lower single user when the lower single user of rear money order is offline electronic payment user；Will it is described after money order information and the offline electronic payment information be sent to it is described after money order distributing node corresponding to cash receiving terminal；By the cash receiving terminal according to the offline electronic payment information to the rear money order offline electronic payment, it realizes when being paid to rear money order, it can be achieved with offline electronic payment merely with cash receiving terminal, mobile terminal without user is paid, and cash receiving terminal only needs to obtain the verification information of user, the offline electronic payment information that the cash receiving terminal has been received can be verified, it can be carried out whether there is or not network, to realize the offline electronic payment to rear money order, the convenience of order payment is improved.
Description
Technical field
The present invention relates to field of computer technology, in particular to a kind of method and system of offline electronic payment.
Background technique
E-commerce allows consumer by network shopping on the web, online payment, save client and enterprise time and
Space substantially increases trading efficiency, especially for the busy office worker that works, also largely saves its quality time.
Cashing on delivery is a kind of order means of payment of electronic emporium, can support cash, swipe the card, barcode scanning payment etc. side
Formula.Since the means of payment cashed on delivery is more flexible, also allow user more confident to commercial quality, therefore also increasingly by blueness
It looks at.
In the implementation of the present invention, existing lacking inventors have found that due to the changeable complexity of real-life scene
Gold and network signal is not smooth enough or when without network signal, the mode cashed on delivery just is difficult to go on.
Therefore, it is necessary to a kind of method and system of new offline electronic payment.
Above- mentioned information are only used for reinforcing the understanding to background of the invention, therefore it disclosed in the background technology part
It may include the information not constituted to the prior art known to persons of ordinary skill in the art.
Summary of the invention
In view of this, the present invention provides a kind of method and system of offline electronic payment, rear money order can be propped up offline
It pays.
Other characteristics and advantages of the invention will be apparent from by the following detailed description, or partially by the present invention
Practice and acquistion.
According to the first aspect of the invention, a kind of method of offline electronic payment is provided, wherein the described method includes:
When the lower single user of rear money order is offline electronic payment user, the offline electronic payment information of the lower single user is obtained；
Will it is described after money order information and the offline electronic payment information be sent to it is described after money order distributing node institute
Corresponding cash receiving terminal；
By the cash receiving terminal according to the offline electronic payment information to the rear money order offline electronic payment.
According to some embodiments, which comprises data screening goes out offline electronic payment user according to the user's credit；According to
The safety code of the offline electronic payment user setting generates the offline electronic payment information of each offline electronic payment user；Judge that the rear money is ordered
Whether single lower single user is the offline electronic payment user filtered out；The lower single user of money order is that offline electronic payment is used when described after
When family, the offline electronic payment information of the lower single user is obtained.
According to some embodiments, the credit data includes；The post-pay financial product or credit card of user's binding
Data.
According to some embodiments, the cash receiving terminal props up the rear money order according to the offline electronic payment information offline
It pays, comprising:
The rear money hand marker has been consumed by the cash receiving terminal；
The cash receiving terminal according to the offline electronic payment information to money order offline electronic payment after described after, the method is also
Include:
By the cash receiving terminal will it is described after the payment flowing water information of money order upload；
According to the amount of post-pay financial product or credit card that the payment flowing water information binds the user
It is reduced.
According to some embodiments, will it is described after money order information and the offline electronic payment information be sent to the money afterwards and order
Before cash receiving terminal corresponding to single distributing node, the method also includes:
The amount of the post-pay financial product or credit card that judge user binding whether can pay it is described after
Money order, and when the judgment result is yes, will it is described after money order information and the offline electronic payment information be sent to it is described after
Cash receiving terminal corresponding to the distributing node of money order.
According to some embodiments, the cash receiving terminal props up the rear money order according to the offline electronic payment information offline
It pays, comprising:
The verification information of user is obtained by the cash receiving terminal, and according to the verification information to the offline electronic payment information
Verified, and after being verified, to it is described according to the offline electronic payment information to money order offline electronic payment after described.
According to some embodiments, the verification information of user is obtained by the cash receiving terminal, and according to the verification information pair
The offline electronic payment information is verified, comprising:
By the cash receiving terminal obtain user face information, and judge the offline electronic payment information whether with the face
The corresponding offline electronic payment information of information is consistent.
According to the second aspect of the invention, a kind of system of offline electronic payment is provided, wherein the system comprises:
Module is obtained, for obtaining the lower single user when the lower single user of rear money order is offline electronic payment user
Offline electronic payment information；
Sending module, for will it is described after money order information and the offline electronic payment information be sent to it is described after money order
Distributing node corresponding to cash receiving terminal；
Offline electronic payment module, for by the cash receiving terminal according to the offline electronic payment information to it is described afterwards money order from
Line payment.
According to some embodiments, the system comprises:
Screening module goes out offline electronic payment user for data screening according to the user's credit；
Generation module, for according to the safety code of the offline electronic payment user setting generate each offline electronic payment user from
Line payment information；
Judgment module, for judging whether the lower single user of the rear money order is the offline electronic payment user filtered out；
The acquisition module, for judging that the lower single user of the money order when described after is offline branch when the judgment module
When paying user, the offline electronic payment information of the lower single user is obtained.
According to some embodiments, the information data includes；The post-pay financial product or credit card of user's binding
Data.
According to some embodiments, the offline electronic payment module, being configured to will the rear money order by the cash receiving terminal
Labeled as having consumed；
The system also includes:
Uploading module, for by the cash receiving terminal will it is described after the payment flowing water information of money order upload；
Reduce module, post-pay financial product for being bound according to the payment flowing water information to the user or
The amount of credit card is reduced.
According to the third aspect of the invention we, a kind of computer readable storage medium is provided, computer program is stored thereon with,
Wherein, method and step as described in relation to the first aspect is realized when which is executed by processor.
According to the fourth aspect of the invention, a kind of electronic equipment is provided, wherein include: one or more processors；Storage
Device, for storing one or more programs, when one or more of programs are executed by one or more of processors,
So that one or more of processors realize method and step as described in relation to the first aspect.
In the above embodiment of the present invention, when the lower single user of rear money order is offline electronic payment user, place an order described in acquisition
The offline electronic payment information of user；Will it is described after money order information and the offline electronic payment information be sent to it is described after money order
Cash receiving terminal corresponding to distributing node；It is offline to the rear money order according to the offline electronic payment information by the cash receiving terminal
Payment, realizes when paying to rear money order, can be achieved with offline electronic payment merely with cash receiving terminal, the shifting without user
Dynamic terminal is paid, and cash receiving terminal only needs to obtain the verification information of user, can be received to the cash receiving terminal
To offline electronic payment information verified, can be carried out whether there is or not network, thus realize to rear money order from
Line payment, improves the convenience of order payment.
Detailed description of the invention
Its example embodiment is described in detail by referring to accompanying drawing, above and other target of the invention, feature and advantage will
It becomes more fully apparent.
Fig. 1 is a kind of flow diagram of the method for offline electronic payment shown according to an exemplary embodiment；
Fig. 2 is a kind of flow diagram of method for screening offline electronic payment user shown according to an exemplary embodiment；
Fig. 3 is a kind of flow diagram of method for generating offline electronic payment information shown according to an exemplary embodiment；
Fig. 4 is a kind of flow diagram of the method for offline electronic payment shown according to an exemplary embodiment；
Fig. 5 is a kind of flow diagram for paying flowing water information method for uploading shown according to an exemplary embodiment；
Fig. 6 is a kind of structural schematic diagram of the system of offline electronic payment shown according to an exemplary embodiment；
Fig. 7 is the structural schematic diagram of a kind of electronic equipment shown according to an exemplary embodiment.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be real in a variety of forms
It applies, and is not understood as limited to embodiment set forth herein；On the contrary, thesing embodiments are provided so that the present invention will be comprehensively and complete
It is whole, and the design of example embodiment is comprehensively communicated to those skilled in the art.Identical appended drawing reference indicates in figure
Same or similar part, thus repetition thereof will be omitted.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In example.In the following description, many details are provided to provide and fully understand to the embodiment of the present invention.However,
It will be appreciated by persons skilled in the art that technical solution of the present invention can be practiced without one or more in specific detail,
Or it can be using other methods, constituent element, device, step etc..In other cases, it is not shown in detail or describes known side
Method, device, realization or operation are to avoid fuzzy each aspect of the present invention.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
Fig. 1 is a kind of flow diagram of the method for offline electronic payment shown according to an exemplary embodiment.
As shown in Figure 1, when the lower single user of rear money order is offline electronic payment user, placing an order described in acquisition in S110
The offline electronic payment information of user.
According to example embodiment, server can go out offline electronic payment user by data screening according to the user's credit.
For example, certain electronic emporium record has the credit data of each user, so that server can be according to each user's
Credit data filters out offline electronic payment user.
According to example embodiment, the credit data in the embodiment of the present invention may include；The post-pay gold of user's binding
Melt the data of product or credit card.In other words, offline electronic payment user firstly the need of be bundled with post-pay financial product or
Credit card, and it is good in the credit of post-pay financial product or credit card.
It according to example embodiment, can be according to each offline electronic payment user setting after filtering out offline electronic payment user
Safety code generates the offline electronic payment information of each offline electronic payment user.
It should be noted that offline electronic payment information can also include but is not limited to: the post-pay finance of user's binding produces
The information of product or credit card.
It should be pointed out that the rear money order in the application, which refers to, first consumes post-pay order, user can place an order
When select order whether for rear money order.When user select certain order for after money order after, server judges the rear money order
Whether user is the offline electronic payment user filtered out, if the user is offline electronic payment user, further obtains the user's
Offline electronic payment information.If the user is not offline electronic payment user, can be propped up in the way of existing cash on delivery
It pays.
It should be noted that when user select certain order for after money order after, server can further judge the user
Whether the post-pay financial product of binding or the amount of credit card can pay the rear money order, when judging result is yes
When, will it is described after money order information and the offline electronic payment information be sent to it is described after money order distributing node corresponding to
Cash receiving terminal.When the judgment result is no, it can be paid in the way of existing cash on delivery.
For example, the rear money order is 1100 when the amount of the credit card of user's binding is 1000, then judge that the user cannot
Offline electronic payment is carried out, can be paid in the way of existing cash on delivery.In another example when the credit card of user's binding
Amount is 1000, which is 900, then can carry out offline electronic payment.
It should be noted that user can choose whether carry out offline electronic payment, for example, offline electronic payment user can be set it is silent
Recognize selection offline electronic payment, in another example, user can be offline electronic payment user in satisfaction and judge the post-pay of user binding
After the amount of financial product or credit card can pay the rear money order, choose whether to carry out offline electronic payment, in another example, user
Offline electronic payment can also be selected in the case that network is bad when being paid in the way of existing cash on delivery.
In S120, the information of the rear money order and the offline electronic payment information are sent to the dispatching section of the rear money order
The corresponding cash receiving terminal of point.
According to example embodiment, the rear money order and the offline electronic payment information can be sent to and need to dispense by server
The cash receiving terminal that the courier of the rear money order is held.
It should be noted that rear money order and the offline electronic payment information are sent to unique receipts in the embodiment of the present invention
Money terminal is bound with unique cash receiving terminal, to avoid the excess disbursement that offline electronic payment generates simultaneously of multiple cash receiving terminals
Problem.
In S130, by the cash receiving terminal according to above-mentioned offline electronic payment information to the rear money order offline electronic payment.
It, can personal information and offline electronic payment letter to user it should be noted that when generating offline electronic payment information
Breath is bound, which can include but is not limited to face information, for example, by the face information and offline electronic payment of user
Information is bound, and is verified to realize to the offline electronic payment information.
It should be pointed out that the personal information can be what user uploaded in advance, it, can be first when user setting safety code
First user is verified according to the personal information, and after being verified, safety code is set, by the personal information of user and
Offline electronic payment information is bound.
According to example embodiment, when verifying to offline electronic payment information, it can obtain user's by the cash receiving terminal
Verification information, and the offline electronic payment information is verified according to the verification information.For example, if being tied up with offline electronic payment information
Fixed personal information is face information, then the face information of user can be obtained by the cash receiving terminal, and judge the offline electronic payment
Whether corresponding with the face information information offline electronic payment information is consistent.If consistent, offline electronic payment is carried out, if repeatedly sentenced
It has no progeny still inconsistent, then offline electronic payment fails, and can be paid by the way of existing cash on delivery.
It, can be by the cash receiving terminal by the rear money hand marker when according to example embodiment, to rear money order offline electronic payment
To have consumed, and record relevant payment flowing water information.
In the embodiment of the present invention, when paying to rear money order, offline electronic payment can be achieved with merely with cash receiving terminal,
Mobile terminal without user is paid, and cash receiving terminal only needs to obtain the verification information of user, can be to the gathering
The offline electronic payment information that terminal has been received is verified, and can be carried out whether there is or not network, to realize pair
The offline electronic payment of money order afterwards improves the convenience of order payment.
It according to example embodiment,, can be by this when cash receiving terminal can network after to the rear money order offline electronic payment
Cash receiving terminal uploads the payment flowing water information of the rear money order, and server binds the user according to the payment flowing water information
The amount of post-pay financial product or credit card is reduced.
It will be clearly understood that the present disclosure describe how being formed and using particular example, but the principle of the present invention is not limited to
These exemplary any details.On the contrary, the introduction based on present disclosure, these principles can be applied to many other
Embodiment.
Below with reference to specific application scenarios, respectively to the method for screening offline electronic payment user, generation offline electronic payment information
Method, the method for offline electronic payment and payment flowing water information method for uploading be described in detail.
Fig. 2 is a kind of flow diagram of method for screening offline electronic payment user shown according to an exemplary embodiment.
As shown in Fig. 2, this method may comprise steps of:
In S210, judge from the existing data of electronic emporium user whether bound post-pay financial product or
Credit card.
If it is, S220 is executed, if it is not, then executing S230.
In S220, judge whether the credit of the post-pay financial product of the user or credit card is good.
If it is, S240 is executed, if it is not, then executing S230.
In S240, judge that the user is offline electronic payment user.
In S230, the user is eliminated.
In the embodiment of the present invention, according to user whether the post-pay financial product of binding or credit card and user
It is whether good in the credit of post-pay financial product or credit card, as judging whether user is offline electronic payment user, from
And realize offline electronic payment user can be from the amount of the post-pay financial product of the binding or credit card in offline electronic payment
In reduce.
Fig. 3 is a kind of flow diagram of method for generating offline electronic payment information shown according to an exemplary embodiment.
As shown in figure 3, this method may comprise steps of:
In S310, user uploads personal information.
Wherein, user can upload personal information as verification information in advance, to upload again when safety code is arranged
Personal information is to verify the user.
In S320, server judges whether the personal information is personal information that user uploads in advance.
When user upload personal information be the personal information uploaded in advance, execution S330.Otherwise, S310 is continued to execute,
So that user uploads personal information again.
In S330, user inputs safety code.
In S340, server generates offline electronic payment information according to the safety code that user inputs, and believes the offline electronic payment
Breath and personal information are bound.
In the embodiment of the present invention, by binding the offline electronic payment information and personal information of generation, realize subsequent
Offline electronic payment information is verified using personal information, improves the safety and reliability of user's offline electronic payment.
Fig. 4 is a kind of flow diagram of the method for offline electronic payment shown according to an exemplary embodiment.Such as Fig. 4 institute
Show, this method may comprise steps of:
In S410, money order after generation.
In S420, judge whether the lower single user of the rear money order is offline electronic payment user.
If it is not, then S430 is executed, if it is, executing S440.
In S430, paid in the way of existing cash on delivery.
In S440, the offline electronic payment information of user is obtained.
In S450, the offline electronic payment information of the information of the rear money order and the user are sent to the rear money order most
Cash receiving terminal corresponding to whole distributing node.
In S460, which obtains the verification information of user.
In S470, offline electronic payment information is verified according to the verification information.
If the verification passes, then S480 is executed, otherwise, continues to execute S460, and reach default in the number for executing S460
Terminate after number.
In S480, which carries out offline electronic payment to the rear money order, marks the rear money order to have consumed, and
Record relevant payment flowing water information.
In the embodiment of the present invention, when paying to rear money order, offline electronic payment can be achieved with merely with cash receiving terminal,
Mobile terminal without user is paid, and cash receiving terminal only needs to obtain the verification information of user, can be to the gathering
The offline electronic payment information that terminal has been received is verified, and can be carried out whether there is or not network, to realize pair
The offline electronic payment of money order afterwards improves the convenience of order payment.
Fig. 5 is a kind of flow diagram for paying flowing water information method for uploading shown according to an exemplary embodiment.Such as
Shown in Fig. 5, this method be may comprise steps of:
In S510, cash receiving terminal is connected to network.
In S520, cash receiving terminal uploads payment flowing water information.
In S530, post-pay financial product or letter that server binds the user according to the payment flowing water information
It is reduced with the amount of card.
In the embodiment of the present invention, after cash receiving terminal is connected to network, payment flowing water information is uploaded to server, by taking
Business device reduces the amount of post-pay financial product or credit card that user binds, realizes the rear money according to user
Order is updated the amount of post-pay financial product or credit card that user binds.
Following is present system embodiment, can be used for executing embodiment of the present invention method.System is retouched below
In stating, part identical with preceding method be will not be described in great detail.
Fig. 6 is a kind of structural schematic diagram of the system of offline electronic payment shown according to an exemplary embodiment.Such as Fig. 6 institute
Show, which includes:
Module 610 is obtained, for obtaining the lower single user when the lower single user of rear money order is offline electronic payment user
Offline electronic payment information；
Sending module 620, for will it is described after money order information and the offline electronic payment information be sent to it is described after money
Cash receiving terminal corresponding to the distributing node of order；
Offline electronic payment module 630, for being ordered according to the offline electronic payment information to the rear money by the cash receiving terminal
Single offline electronic payment.
According to example embodiment, the system 600 includes:
Screening module 640 goes out offline electronic payment user for data screening according to the user's credit；
Generation module 650, for generating each offline electronic payment user according to the safety code of the offline electronic payment user setting
Offline electronic payment information；
Judgment module 660, for judging whether the lower single user of the rear money order is that the offline electronic payment filtered out is used
Family；
The acquisition module 610, for judging that the lower single user of money order is when described after when the judgment module 660
When offline electronic payment user, the offline electronic payment information of the lower single user is obtained.
According to example embodiment, the information data includes；The post-pay financial product or credit card of user's binding
Data.
According to example embodiment, the offline electronic payment module 630 is configured to order the rear money by the cash receiving terminal
Single label is consumption.
The system 600 further include:
Uploading module 670, for by the cash receiving terminal will it is described after the payment flowing water information of money order upload；
Module 680 is reduced, the post-pay financial product for binding according to the payment flowing water information to the user
Or the amount of credit card is reduced.
In the embodiment of the present invention, when paying to rear money order, offline electronic payment can be achieved with merely with cash receiving terminal,
Mobile terminal without user is paid, and cash receiving terminal only needs to obtain the verification information of user, can be to the gathering
The offline electronic payment information that terminal has been received is verified, and can be carried out whether there is or not network, to realize pair
The offline electronic payment of money order afterwards improves the convenience of order payment.
As on the other hand, present invention also provides a kind of computer-readable medium, which be can be
Included in equipment described in above-described embodiment；It is also possible to individualism, and without in the supplying equipment.Above-mentioned calculating
Machine readable medium carries one or more program, when said one or multiple programs are executed by the equipment, makes
Obtaining the equipment can execute: when the lower single user of rear money order is offline electronic payment user, obtain the offline of the lower single user
Payment information；Will it is described after money order information and the offline electronic payment information be sent to it is described after money order distributing node institute
Corresponding cash receiving terminal；By the cash receiving terminal according to the offline electronic payment information to the rear money order offline electronic payment.
Fig. 7 is the structural schematic diagram of a kind of electronic equipment shown according to an exemplary embodiment.It should be noted that figure
Electronic equipment shown in 7 is only an example, should not function to the embodiment of the present application and use scope bring any restrictions.
As shown in fig. 7, computer system 700 includes central processing unit (CPU) 701, it can be read-only according to being stored in
Program in memory (ROM) 702 or be loaded into the program in random access storage device (RAM) 703 from storage section 708 and
Execute various movements appropriate and processing.In RAM 703, also it is stored with system 700 and operates required various programs and data.
CPU701, ROM 702 and RAM 703 is connected with each other by bus 704.Input/output (I/O) interface 705 is also connected to always
Line 704.
I/O interface 705 is connected to lower component: the importation 706 including keyboard, mouse etc.；It is penetrated including such as cathode
The output par, c 707 of spool (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section 708 including hard disk etc.；
And the communications portion 709 of the network interface card including LAN card, modem etc..Communications portion 709 via such as because
The network of spy's net executes communication process.Driver 710 is also connected to I/O interface 705 as needed.Detachable media 711, such as
Disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 710, in order to read from thereon
Computer program be mounted into storage section 708 as needed.
Particularly, in accordance with an embodiment of the present disclosure, it may be implemented as computer above with reference to the process of flow chart description
Software program.For example, embodiment of the disclosure includes a kind of computer program product comprising be carried on computer-readable medium
On computer program, which includes the program code for method shown in execution flow chart.In such reality
It applies in example, which can be downloaded and installed from network by communications portion 709, and/or from detachable media
711 are mounted.When the computer program is executed by central processing unit (CPU) 701, executes and limited in the terminal of the application
Above-mentioned function.
It should be noted that computer-readable medium shown in the application can be computer-readable signal media or meter
Calculation machine readable storage medium storing program for executing either the two any combination.Computer readable storage medium for example can be --- but not
Be limited to --- electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor system, device or device, or any above combination.Meter
The more specific example of calculation machine readable storage medium storing program for executing can include but is not limited to: have the electrical connection, just of one or more conducting wires
Taking formula computer disk, hard disk, random access storage device (RAM), read-only memory (ROM), erasable type may be programmed read-only storage
Device (EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-ROM), light storage device, magnetic memory device,
Or above-mentioned any appropriate combination.In this application, computer readable storage medium can be it is any include or storage journey
The tangible medium of sequence, the program can be commanded execution system, device or device use or in connection.And at this
In application, computer-readable signal media may include in a base band or as carrier wave a part propagate data-signal,
Wherein carry computer-readable program code.The data-signal of this propagation can take various forms, including but unlimited
In electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be that computer can
Any computer-readable medium other than storage medium is read, which can send, propagates or transmit and be used for
By the use of instruction execution system, device or device or program in connection.Include on computer-readable medium
Program code can transmit with any suitable medium, including but not limited to: wireless, electric wire, optical cable, RF etc. are above-mentioned
Any appropriate combination.
Flow chart and block diagram in attached drawing are illustrated according to the system of the various embodiments of the application, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of above-mentioned module, program segment or code include one or more
Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box
The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical
On can be basically executed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.Also it wants
It is noted that the combination of each box in block diagram or flow chart and the box in block diagram or flow chart, can use and execute rule
The dedicated hardware based systems of fixed functions or operations is realized, or can use the group of specialized hardware and computer instruction
It closes to realize.
Being described in unit involved in the embodiment of the present application can be realized by way of software, can also be by hard
The mode of part is realized.Described unit also can be set in the processor, for example, can be described as: a kind of processor packet
It includes and obtains module, sending module and offline electronic payment module.Wherein, the title of these modules is not constituted to this under certain conditions
The restriction of module itself.
Specifically illustrate and describe above exemplary embodiment of the present invention.It should be appreciated that the present invention is not limited to this
In the detailed construction, set-up mode or the implementation method that describe；On the contrary, it is intended to cover the essence included in appended claims
Various modifications and equivalence setting in mind and range.
Claims (13)
1. a kind of method of offline electronic payment, which is characterized in that the described method includes:
When the lower single user of rear money order is offline electronic payment user, the offline electronic payment information of the lower single user is obtained；
Will it is described after money order information and the offline electronic payment information be sent to it is described after money order distributing node corresponding to
Cash receiving terminal；
By the cash receiving terminal according to the offline electronic payment information to the rear money order offline electronic payment.
2. the method as described in claim 1, which is characterized in that the described method includes:
Data screening goes out offline electronic payment user according to the user's credit；
The offline electronic payment information of each offline electronic payment user is generated according to the safety code of the offline electronic payment user setting；
Whether the lower single user for judging the rear money order is the offline electronic payment user filtered out；
When the lower single user of money order is offline electronic payment user after described, the offline electronic payment information of the lower single user is obtained.
3. method according to claim 2, which is characterized in that the credit data includes；The post-pay gold of user's binding
Melt the data of product or credit card.
4. method as claimed in claim 3, which is characterized in that the cash receiving terminal is according to the offline electronic payment information to described
Money order offline electronic payment afterwards, comprising:
The rear money hand marker has been consumed by the cash receiving terminal；
The cash receiving terminal according to the offline electronic payment information to money order offline electronic payment after described after, the method is also wrapped
It includes:
By the cash receiving terminal will it is described after the payment flowing water information of money order upload；
It is carried out according to amount of the payment flowing water information to post-pay financial product or credit card that the user binds
It reduces.
5. method as claimed in claim 4, which is characterized in that the information and the offline electronic payment information of money order after will be described
It is sent to before cash receiving terminal corresponding to the distributing node of the rear money order, the method also includes:
Whether the amount of the post-pay financial product or credit card that judge user's binding, which can pay the rear money, is ordered
It is single, and when the judgment result is yes, will it is described after money order information and the offline electronic payment information be sent to the money afterwards and order
Cash receiving terminal corresponding to single distributing node.
6. the method as described in claim 1, which is characterized in that the cash receiving terminal is according to the offline electronic payment information to described
Money order offline electronic payment afterwards, comprising:
The verification information of user is obtained by the cash receiving terminal, and the offline electronic payment information is carried out according to the verification information
Verifying, and after being verified, to it is described according to the offline electronic payment information to money order offline electronic payment after described.
7. method as claimed in claim 6, which is characterized in that obtain the verification information of user, and root by the cash receiving terminal
The offline electronic payment information is verified according to the verification information, comprising:
By the cash receiving terminal obtain user face information, and judge the offline electronic payment information whether with the face information
Corresponding offline electronic payment information is consistent.
8. a kind of system of offline electronic payment, which is characterized in that the system comprises:
Module is obtained, for obtaining the offline of the lower single user when the lower single user of rear money order is offline electronic payment user
Payment information；
Sending module, for will it is described after money order information and the offline electronic payment information be sent to matching for the money order afterwards
Send cash receiving terminal corresponding to node；
Offline electronic payment module, for being propped up offline according to the offline electronic payment information the rear money order by the cash receiving terminal
It pays.
9. the system as claimed in claim 1, which is characterized in that the system comprises:
Screening module goes out offline electronic payment user for data screening according to the user's credit；
Generation module, for generating the offline branch of each offline electronic payment user according to the safety code of the offline electronic payment user setting
Pay information；
Judgment module, for judging whether the lower single user of the rear money order is the offline electronic payment user filtered out；
The acquisition module, for judging that the lower single user of the money order when described after is that offline electronic payment is used when the judgment module
When family, the offline electronic payment information of the lower single user is obtained.
10. system as claimed in claim 9, which is characterized in that the information data includes；The post-pay gold of user's binding
Melt the data of product or credit card.
11. system as claimed in claim 10, which is characterized in that the offline electronic payment module is configured to through the gathering
Money hand marker is to have consumed after terminal will be described；
The system also includes:
Uploading module, for by the cash receiving terminal will it is described after the payment flowing water information of money order upload；
Module is reduced, post-pay financial product or credit for binding according to the payment flowing water information to the user
The amount of card is reduced.
12. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the program is by processor
Claim 1-7 described in any item method and steps are realized when execution.
13. a kind of electronic equipment characterized by comprising
One or more processors；
Storage device, for storing one or more programs, when one or more of programs are by one or more of processing
When device executes, so that one or more of processors realize such as method and step of any of claims 1-7.
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| CN201710941068.3A CN109658084B (en) | 2017-10-11 | 2017-10-11 | Offline payment method and system |
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| CN109658084B (en) | 2023-05-30 |
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