CN110992172A - Offline payment method, device and storage medium - Google Patents

Offline payment method, device and storage medium Download PDF

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Publication number
CN110992172A
CN110992172A CN201911223985.3A CN201911223985A CN110992172A CN 110992172 A CN110992172 A CN 110992172A CN 201911223985 A CN201911223985 A CN 201911223985A CN 110992172 A CN110992172 A CN 110992172A
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Prior art keywords
credit
user
line
offline
payment
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CN201911223985.3A
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CN110992172B (en
Inventor
林敬
王志文
曹兢
李斌
吴思进
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Hangzhou Fuzamei Technology Co Ltd
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Hangzhou Fuzamei Technology Co Ltd
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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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The invention provides an off-line payment method, equipment and a storage medium, wherein the method comprises the following steps: generating and displaying a first two-dimensional code according to a first address, a first credit line and offline paid information of a current user; generating and displaying a second two-dimensional code according to the transaction amount and the clearing time limit of the offline payment; collecting a second two-dimensional code to obtain a second address, a transaction amount and a clearing time limit; generating an offline payment transaction and signature according to the second address, the transaction amount and the clearing time limit; and generating and displaying a third two-dimensional code according to the signed off-line payment transaction. The invention realizes the transaction in an off-line scene and ensures the credit clearance of the off-line transaction through the assets mortised by the payer in the chain contract.

Description

Offline payment method, device and storage medium
Technical Field
The application relates to the technical field of internet finance, in particular to an offline payment method, equipment and a storage medium.
Background
Existing offline payment schemes are generally classified into the following types:
requiring the equipment of one party to be online;
requiring one of the devices to communicate with a nearby networked third party device;
only off-line transaction is carried out, and the settlement of the debt right is not guaranteed or is guaranteed based on real-name information.
The first two types of schemes cannot be applied to a truly offline scenario, and the latter type of schemes cannot guarantee the rights and interests of the payee.
Disclosure of Invention
In view of the above-mentioned drawbacks and deficiencies of the prior art, it is desirable to provide an offline payment method, apparatus, and storage medium for enabling offline payment and securing payee rights in an offline scenario.
In a first aspect, the present invention provides an offline payment method, where each user side stores a credit line of each user synchronously updated from a blockchain when online, the credit line is configured by a credit contract on the blockchain, the credit line includes a mortgage line configured according to assets mortgaged by the user in the credit contract, and a used line recorded according to an unpaid credit payment amount of the user, the method includes:
generating and displaying a first two-dimensional code according to a first address, a first credit line and offline paid information of a current user, so that a user side of a payee:
collecting a first two-dimensional code to obtain a first address, a first credit line and offline paid information;
according to the first address, a second credit line of the current user is inquired locally, and verification is carried out according to the first credit line and the second credit line: if the verification fails, the collection is terminated;
determining the available credit line of the current user according to the first credit line and the offline paid information, and verifying whether the available credit line is not less than the transaction amount of the offline payment: if not, terminating the collection;
responding to the acceptance of the offline payment by the payee, and generating and displaying a second two-dimensional code according to the second address of the payee, the transaction amount of the offline payment and the clearing time limit;
collecting a second two-dimensional code to obtain a second address, a transaction amount and a clearing time limit;
generating an offline payment transaction and signature according to the second address, the transaction amount and the clearing time limit;
and generating a third two-dimensional code according to the signed off-line payment transaction and displaying the third two-dimensional code for a user side of a payee:
collect to obtain and verify offline payment transactions;
upon reconnecting the network, the offline payment transaction is sent to the nodes of the blockchain for execution by the credit contract.
In a second aspect, the present invention provides another offline payment method, where each user side stores a credit line of each user that is updated from a blockchain when online, the credit line is configured by a credit contract on the blockchain, the credit line includes a mortgage line configured according to assets of the user mortgage in the credit contract, and a used line recorded according to an unpaid credit payment amount of the user, the method includes:
collecting a first two-dimensional code to obtain a first address, a first credit line and offline paid information of a paying user; the first two-dimensional code is generated and displayed by a user side of the payment user according to the first address, the first credit line and the offline paid information;
according to the first address, a second credit line of the paying user is inquired locally, and verification is carried out according to the first credit line and the second credit line: if the verification fails, the collection is terminated;
determining the available credit line of the payment user according to the first credit line and the offline paid information, and verifying whether the available credit line is not less than the transaction amount of the offline payment: if not, terminating the collection;
responding to the agreement of the current user to accept the offline payment, generating and displaying a second two-dimensional code according to the second address of the current user, the transaction amount of the offline payment and the clearing time limit, so as to be provided for the user side of the payment user:
collecting a second two-dimensional code to obtain a second address, a transaction amount and a clearing time limit;
generating an offline payment transaction and signature according to the second address, the transaction amount and the clearing time limit;
generating and displaying a third two-dimensional code according to the signed off-line payment transaction;
collecting a third two-dimensional code to obtain and verify an offline payment transaction;
upon reconnecting the network, the offline payment transaction is sent to the nodes of the blockchain for execution by the credit contract.
In a third aspect, the present invention also provides an apparatus comprising one or more processors and memory, wherein the memory contains instructions executable by the one or more processors to cause the one or more processors to perform an offline payment method provided in accordance with embodiments of the present invention.
In a fourth aspect, the present invention also provides a storage medium storing a computer program that causes a computer to execute the offline payment method provided according to the embodiments of the present invention.
The offline payment method, the device and the storage medium provided by the embodiments of the invention freeze the assets mortised by the user through the credit contract of the block chain and configure the corresponding credit line for the user, so that each user end can synchronously update the credit line of each user recorded on the block chain in an online state, the user end of the payee can verify the credit line provided by the payer and the local credit line during offline collection, and receive the offline payment transaction signed by the payer when the verification is successful, thereby realizing the transaction in an offline scene and ensuring the creditor compensation of the offline transaction through the assets mortised by the payer in the contract on the chain;
the offline payment method, the device and the storage medium provided by some embodiments of the invention further improve the security of offline payment by refining a verification mechanism.
Drawings
Other features, objects and advantages of the present application will become more apparent upon reading of the following detailed description of non-limiting embodiments thereof, made with reference to the accompanying drawings in which:
fig. 1 is a flowchart of an offline payment method according to an embodiment of the present invention.
FIG. 2 is a flow diagram of a preferred embodiment of the method shown in FIG. 1.
Fig. 3 is a flowchart of another offline payment method according to an embodiment of the present invention.
Fig. 4 is a schematic structural diagram of an apparatus according to an embodiment of the present invention.
Detailed Description
The present application will be described in further detail with reference to the following drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the relevant invention and not restrictive of the invention. It should be noted that, for convenience of description, only the portions related to the present invention are shown in the drawings.
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
Fig. 1 is a flowchart of an offline payment method according to an embodiment of the present invention.
As shown in fig. 1, in this embodiment, the present invention provides an offline payment method, where each user end has a credit line of each user synchronously updated from a blockchain when online, the credit line is configured by a credit contract on the blockchain, and includes a mortgage line configured according to assets mortgaged in the credit contract by the user, and a used line recorded according to an unpaid credit payment amount of the user, the method includes:
s11: generating and displaying a first two-dimensional code according to a first address, a first credit line and offline paid information of a current user, so that a user side of a payee:
collecting a first two-dimensional code to obtain a first address, a first credit line and offline paid information;
according to the first address, a second credit line of the current user is inquired locally, and verification is carried out according to the first credit line and the second credit line: if the verification fails, the collection is terminated;
determining the available credit line of the current user according to the first credit line and the offline paid information, and verifying whether the available credit line is not less than the transaction amount of the offline payment: if not, terminating the collection;
responding to the acceptance of the offline payment by the payee, and generating and displaying a second two-dimensional code according to the second address of the payee, the transaction amount of the offline payment and the clearing time limit;
s13: collecting a second two-dimensional code to obtain a second address, a transaction amount and a clearing time limit;
s15: generating an offline payment transaction and signature according to the second address, the transaction amount and the clearing time limit;
s17: and generating a third two-dimensional code according to the signed off-line payment transaction and displaying the third two-dimensional code for a user side of a payee:
collect to obtain and verify offline payment transactions;
upon reconnecting the network, the offline payment transaction is sent to the nodes of the blockchain for execution by the credit contract.
The method is exemplified below by taking an example that a user A and a user B who take a flight at the same time trade a certain item through offline payment in the flight of the flight.
The user A mortises 1000 gold tokens in a credit contract on the blockchain, the credit contract configures 200 gold token mortgage amount for the user A according to a preset ratio of 5:1, the user A pays 10 gold tokens to the user A through a credit payment before, and the gold tokens are not cleared for a while, and offline payment is not performed temporarily.
The client of the second subscriber synchronizes the credit lines of all the subscribers from the blockchain before boarding the aircraft and stores the credit lines locally, wherein the credit lines of the first subscriber (the mortgage line 200 gold token and the used line 10 gold token) are included.
When the user A and the user B agree that the user B sells some item to the user A at the price of 5 gold tokens in the flight process of the flight, and the user A needs to clear the offline payment within 24 hours after the offline payment transaction is linked up:
in step (b)In step S11, in response to the first user inputting the instruction for displaying the credit line information, the user end of the first user is according to the addr of the first userFirst of allGenerating a first two-dimensional code and displaying the first two-dimensional code according to the first credit line (the gold token with the mortgage line of 200 and the gold token with the used line of 10) and the offline paid information (the offline paid gold token without the payment of 0);
the user side of the user B acquires the first two-dimensional code and decodes the first two-dimensional code to acquire the addrFirst of allA first credit line and offline paid information;
after obtaining the above information, the user end of the user B is according to the addrFirst of allAnd inquiring the second credit line of the user A locally, and comparing and verifying the second credit line according to the second credit line inquired locally and the first credit line acquired by decoding.
In this embodiment, the credit line verification method is specifically configured to verify whether the mortgage line in the first credit line is the same as the mortgage line in the second credit line. In other embodiments, the verification method can be configured to verify whether the mortgage limit and the used limit are the same or different.
The user side of the user B also determines the available credit line of the user A according to the first credit line and the offline paid information: and verifying whether the available credit line (190 gold token) is not less than the transaction amount (5 gold token) of the offline payment, wherein the available credit line is 200 gold token-10 gold token-0 gold token or 190 gold token.
The user side of the user B can perform the two verification items synchronously or asynchronously in any sequence, if any verification item fails, the collection is terminated, and if both verification items pass, the subsequent steps are continuously executed.
In this embodiment, after the user side of the user b performs both of the two verifications, a prompt message indicating that the verification is successful is generated and displayed, and an instruction indicating whether to accept the offline payment is input by the user b is waited; in another embodiment, the user b may configure the default accepting of offline payment in the user side in advance, and the user side of the user b may directly regard the user b as agreeing to accept offline payment after both of the two verifications are passed.
Responding to the agreement of the user B to accept the offline payment, and the user side of the user B receives the addr of the address of the user BSecond stepAnd generating and displaying a second two-dimensional code according to the transaction amount (5 gold tokens) and the clearing time limit (24 hours) of the offline payment.
In step S13, the user end of user a collects the second two-dimensional code and decodes the second two-dimensional code to obtain addrSecond stepTransaction amount (5 gold tokens) and clearance time limit (24 hours);
in step S15, the user side of the user a generates and signs an offline payment transaction tx1 according to the information items acquired in step S13;
in step S17, the user end of user a generates and displays a third two-dimensional code according to the signed tx1, and updates the local offline paid information to 5 gold tokens (if offline payment is performed to the user during the flight, 185 gold tokens remain on the available credit line).
And the user side of the user B acquires and decodes the third two-dimensional code to obtain tx1, and the signature of tx1 is verified according to the public key of the user A: if the verification is correct, the off-line transaction is completed, and the user B gives the off-line transaction to the user A.
After user b leaves the airplane, the user side of user b sends tx1 to the nodes of the blockchain after reconnecting the network.
The nodes of the block chain receive, broadcast and package tx1, execute tx1 through a credit contract, and record offline payment information of 5 gold tokens to user B for offline credit payment (the used quota of user A is updated to 15 gold tokens, and the user terminal of user A updates the local used quota +5 gold tokens and offline paid information-5 gold tokens synchronously if online), and the clearing time limit is 24 hours on the block chain.
Under normal conditions, the user end of the user A sends a transaction to the blockchain within 24 hours, and the offline payment is successfully cleared; and when the user A does not clear the offline payment within 24 hours, the user side of the user B can send an arbitration transaction to the blockchain, and after the credit contract on the chain is judged to be successful in arbitration of the user B by executing the arbitration contract, the offline payment is cleared according to the frozen 1000 gold token of the user A in the credit contract. The specific compensation method can be configured as the transfer of equivalent assets or the addition of a penalty of a specified proportion or amount.
The above example takes an offline scenario in flight and a mortgage asset as a gold token as an example, the method shown in fig. 1 is exemplarily explained, in further embodiments, the method shown in fig. 1 can also be applied to any different offline scenarios in which a dealer sells goods to tourists on mountains without network coverage, and the mortgage asset can also be configured as different types of assets such as silver tokens and game coins, which can achieve the same technical effect.
In the embodiment, the assets mortgaged by the user are frozen through the credit contract of the block chain, and the corresponding credit limit is configured for the user, so that each user end can synchronously update the credit limit of each user recorded on the block chain in an online state, the user end of the payee can verify the credit limit of each user according to the credit limit provided by the payer and the local credit limit during offline collection, and receive the offline payment transaction signed by the payer when the verification is successful, and therefore the creditor compensation of the offline transaction is guaranteed through the assets mortgaged by the payer in the chain contract in an offline scene.
In a preferred embodiment, the verifying according to the first credit line and the second credit line further includes, in addition to verifying whether the mortgage line is the same:
verifying whether the sum of the offline paid amount and the used amount in the first credit line is not less than the used amount in the second credit line.
Specifically, in an extreme case, there may be a case where a lawbreaker performs offline payment for a very large number of times by modifying a used amount and/or offline paid information in an offline environment in a manner of breaking a local user terminal, in this case, for a short-time offline scene, as the number of times of offline payment increases, a part of offline payment payees return to the online environment, and a user terminal of a subsequent payee synchronizes with new data and then enters the offline environment, the amount of self-modification by the lawbreaker cannot pass the above verification in the user terminal of the subsequent payee at a very high probability (for a long-time offline scene, there is no technical means to completely solve the problem at present, and the problem can be solved by means of real-name credit investigation and the like).
The embodiment further improves the security of off-line payment by refining the verification mechanism.
FIG. 2 is a flow diagram of a preferred embodiment of the method shown in FIG. 1. As shown in fig. 2, in a preferred embodiment, the method further comprises:
s19: upon reconnecting the network, the offline payment transaction is sent to the nodes of the blockchain for execution by the credit contract.
Specifically, when the clients of both parties send the same offline payment transaction to the blockchain network, the first packaged and executed transaction is successfully executed, and the second transaction is failed to be executed repeatedly.
Fig. 3 is a flowchart of another offline payment method according to an embodiment of the present invention. The method illustrated in fig. 3 may be performed in conjunction with the methods illustrated in fig. 1-2.
As shown in fig. 3, in this embodiment, the present invention further provides another offline payment method, where each user end has a credit line of each user synchronously updated from the blockchain when online, the credit line is configured by the credit contract on the blockchain, and includes a mortgage line configured according to the assets of the user mortgage in the credit contract, and a used line recorded according to the credit payment amount not cleared by the user, the method includes:
s21: collecting a first two-dimensional code to obtain a first address, a first credit line and offline paid information of a paying user; the first two-dimensional code is generated and displayed by a user side of the payment user according to the first address, the first credit line and the offline paid information;
s22: according to the first address, a second credit line of the paying user is inquired locally, and verification is carried out according to the first credit line and the second credit line: if the verification fails, the collection is terminated;
s23: determining the available credit line of the payment user according to the first credit line and the offline paid information, and verifying whether the available credit line is not less than the transaction amount of the offline payment: if not, terminating the collection;
s24: responding to the agreement of the current user to accept the offline payment, generating and displaying a second two-dimensional code according to the second address of the current user, the transaction amount of the offline payment and the clearing time limit, so as to be provided for the user side of the payment user:
collecting a second two-dimensional code to obtain a second address, a transaction amount and a clearing time limit;
generating an offline payment transaction and signature according to the second address, the transaction amount and the clearing time limit;
generating and displaying a third two-dimensional code according to the signed off-line payment transaction;
s25: collecting a third two-dimensional code to obtain and verify an offline payment transaction;
s26: upon reconnecting the network, the offline payment transaction is sent to the nodes of the blockchain for execution by the credit contract.
Preferably, the offline payment transaction is also for the user side of the paying user to send to the nodes of the blockchain for execution by the credit contract after reconnecting the network.
Preferably, the verifying according to the first credit line and the second credit line includes:
and verifying whether the mortgage limit in the first credit limit is the same as the mortgage limit in the second credit limit.
Further preferably, the verifying according to the first credit line and the second credit line further comprises:
verifying whether the sum of the offline paid amount and the used amount in the first credit line is not less than the used amount in the second credit line.
The offline payment principle of the method shown in fig. 3 can refer to the methods shown in fig. 1-2, and will not be described herein.
Fig. 4 is a schematic structural diagram of an apparatus according to an embodiment of the present invention.
As shown in fig. 4, as another aspect, the present application also provides an apparatus 400 including one or more Central Processing Units (CPUs) 401 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)402 or a program loaded from a storage section 408 into a Random Access Memory (RAM) 403. In the RAM403, various programs and data necessary for the operation of the device 400 are also stored. The CPU401, ROM402, and RAM403 are connected to each other via a bus 404. An input/output (I/O) interface 405 is also connected to bus 404.
The following components are connected to the I/O interface 405: an input section 406 including a keyboard, a mouse, and the like; an output section 407 including a display device such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 408 including a hard disk and the like; and a communication section 409 including a network interface card such as a LAN card, a modem, or the like. The communication section 409 performs communication processing via a network such as the internet. A driver 410 is also connected to the I/O interface 405 as needed. A removable medium 411 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 410 as necessary, so that a computer program read out therefrom is mounted into the storage section 408 as necessary.
In particular, according to an embodiment of the present disclosure, the method described in any of the above embodiments may be implemented as a computer software program. For example, embodiments of the present disclosure include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing any of the methods described above. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 409, and/or installed from the removable medium 411.
As yet another aspect, the present application also provides a computer-readable storage medium, which may be the computer-readable storage medium included in the apparatus of the above-described embodiment; or it may be a separate computer readable storage medium not incorporated into the device. The computer readable storage medium stores one or more programs for use by one or more processors in performing the methods described in the present application.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units or modules described in the embodiments of the present application may be implemented by software or hardware. The described units or modules may also be provided in a processor, for example, each unit may be a software program provided in a computer or a mobile intelligent device, or may be a separately configured hardware device. Wherein the designation of a unit or module does not in some way constitute a limitation of the unit or module itself.
The above description is only a preferred embodiment of the application and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the invention herein disclosed is not limited to the particular combination of features described above, but also encompasses other arrangements formed by any combination of the above features or their equivalents without departing from the spirit of the present application. For example, the above features may be replaced with (but not limited to) features having similar functions disclosed in the present application.

Claims (10)

1. An off-line payment method, wherein each user end has a credit line of each user synchronously updated from a blockchain when online, the credit line is configured by a credit contract on the blockchain, and comprises a mortgage line configured according to assets mortgaged in the credit contract by the user and a used line recorded according to an unpaid credit payment amount of the user, the method comprises the following steps:
generating and displaying a first two-dimensional code according to a first address, a first credit line and offline paid information of a current user, so that a user side of a payee:
collecting the first two-dimension code to obtain the first address, the first credit line and the offline paid information;
according to the first address, a second credit line of the current user is inquired locally, and verification is carried out according to the first credit line and the second credit line: if the verification fails, the collection is terminated;
determining the available credit line of the current user according to the first credit line and the offline paid information, and verifying whether the available credit line is not less than the transaction amount of the offline payment: if not, terminating the collection;
responding to the acceptance of the offline payment of the payee, and generating and displaying a second two-dimensional code according to the second address of the payee, the transaction amount of the offline payment and the clearing time limit;
collecting the second two-dimensional code to obtain the second address, the transaction amount and the clearing time limit; generating an offline payment transaction and signature according to the second address, the transaction amount and the clearing time limit; generating a third two-dimensional code according to the signed off-line payment transaction and displaying the third two-dimensional code for the user side of the payee:
collect to obtain and verify the offline payment transaction;
upon reconnecting the network, sending the offline payment transaction to a node of the blockchain for execution by the credit contract.
2. The method of claim 1, further comprising:
upon reconnecting the network, sending the offline payment transaction to a node of the blockchain for execution by the credit contract.
3. The method of claim 1 or 2, wherein the verifying based on the first and second lines of credit comprises:
and verifying whether the mortgage limit in the first credit limit is the same as the mortgage limit in the second credit limit.
4. The method of claim 3, wherein the verifying based on the first and second lines of credit further comprises:
verifying whether the sum of the offline paid amount and the used amount in the first credit line is not less than the used amount in the second credit line.
5. An off-line payment method, wherein each user end has a credit line of each user synchronously updated from a blockchain when online, the credit line is configured by a credit contract on the blockchain, and comprises a mortgage line configured according to assets mortgaged in the credit contract by the user and a used line recorded according to an unpaid credit payment amount of the user, the method comprises the following steps:
collecting a first two-dimensional code to obtain a first address, a first credit line and offline paid information of a paying user; the first two-dimension code is generated and displayed by the user side of the payment user according to the first address, the first credit line and the offline paid information;
according to the first address, a second credit line of the payment user is inquired locally, and verification is carried out according to the first credit line and the second credit line: if the verification fails, the collection is terminated;
determining the available credit line of the payment user according to the first credit line and the offline paid information, and verifying whether the available credit line is not less than the transaction amount of the offline payment: if not, terminating the collection;
responding to the agreement of the current user to accept the offline payment, generating and displaying a second two-dimensional code according to the second address of the current user, the transaction amount of the offline payment and the clearing time limit, so as to be provided for the user side of the payment user:
collecting the second two-dimensional code to obtain the second address, the transaction amount and the clearing time limit;
generating an offline payment transaction and signature according to the second address, the transaction amount and the clearing time limit;
generating and displaying a third two-dimensional code according to the signed off-line payment transaction; collecting the third two-dimensional code to obtain and verify the offline payment transaction; upon reconnecting the network, sending the offline payment transaction to a node of the blockchain for execution by the credit contract.
6. The method of claim 5, wherein the offline payment transaction is further for the user side of the payer to send to the nodes of the blockchain for execution by the credit contract after reconnecting to the network.
7. The method of claim 5 or 6, wherein the verifying based on the first and second lines of credit comprises:
and verifying whether the mortgage limit in the first credit limit is the same as the mortgage limit in the second credit limit.
8. The method of claim 7, wherein the verifying based on the first and second lines of credit further comprises:
verifying whether the sum of the offline paid amount and the used amount in the first credit line is not less than the used amount in the second credit line.
9. An apparatus, characterized in that the apparatus comprises:
one or more processors;
a memory for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method recited in any of claims 1-8.
10. A storage medium storing a computer program, characterized in that the program, when executed by a processor, implements the method according to any one of claims 1-8.
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