CN111027979A

CN111027979A - Method and device for opening, collecting and settling double off-line payment

Info

Publication number: CN111027979A
Application number: CN201911267094.8A
Authority: CN
Inventors: 翟芬; 顾春雷; 张一�; 王啸
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2019-12-11
Filing date: 2019-12-11
Publication date: 2020-04-17
Anticipated expiration: 2039-12-11
Also published as: TWI748443B; CN111027979B; TW202123117A; WO2021114584A1

Abstract

The specification provides a method for opening double offline payment, which is applied to a payment server and comprises the following steps: receiving a user opening request sent by a user terminal; the user opening request comprises payment scene information appointed by a user; acquiring a biological characteristic template of the user; storing the corresponding relation of the payment scene information, the biological characteristic template of the user and the account of the user; and sending a system opening request to a payee system based on the payment scene information, wherein the system opening request comprises the corresponding relation between the biological characteristic template of the user and the account of the user, so that the payee device of the payee system authenticates the user based on the biological characteristic template in a double-off-line payment scene matched with the payment scene information, and approves the payment of the user account after the authentication is passed.

Description

Method and device for opening, collecting and settling double off-line payment

Technical Field

The specification relates to the technical field of network communication, in particular to a method and a device for opening, collecting and settling double offline payment.

Background

In the network payment, it is a common case that at least one of a user terminal (payer device) and a payment device of a payee system can directly or indirectly (via another device or server) communicate with a payment server, and issue a request for payment or payment to the payment server, and the payment server transfers money in real time according to the received request. The double offline payment refers to an application scenario that when payment occurs, neither the user terminal nor the payment receiving device can directly or indirectly communicate with the payment server in real time, that is, both the user terminal and the payment receiving device are in an offline state relative to the payment server.

Because the participation of the payment server is not existed when the double off-line payment occurs, the money can not be transferred from the payer account to the payee account in real time, so that the double off-line payment scene puts higher requirements on the payment safety, and the higher safety is achieved, which often causes the payment process to be complicated, and causes the inconvenience of the payer and the payee.

Disclosure of Invention

In view of the above, the present specification provides a provisioning method for dual offline payment, applied to a payment server, the method including:

receiving a user opening request sent by a user terminal; the user opening request comprises payment scene information appointed by a user;

acquiring a biological characteristic template of the user;

storing the corresponding relation of the payment scene information, the biological characteristic template of the user and the account of the user;

and sending a system opening request to a payee system based on the payment scene information, wherein the system opening request comprises the corresponding relation between the biological characteristic template of the user and the account of the user, so that the payee device of the payee system authenticates the user based on the biological characteristic template in a double-off-line payment scene matched with the payment scene information, and approves the payment of the user account after the authentication is passed.

The opening method for double offline payment provided by the specification is applied to a collection server of a collector system, and the method comprises the following steps:

receiving a system opening request from a payment server, wherein the system opening request comprises payment scene information appointed by a user requesting to open, a biological characteristic template of the user and a corresponding relation of an account of the user;

and determining a collection device according to the payment scene information, issuing the corresponding relation between the biological characteristic template of the user and the user account to the collection device, authenticating the user based on the biological characteristic template in a double-off-line payment scene matched with the payment scene information specified by the user by the collection device, and approving the payment of the user account after the authentication is passed.

The opening method for double offline payment provided by the specification is applied to a user terminal, and the method comprises the following steps:

acquiring payment scene information appointed by a user;

according to the indication of the user, sending a user opening request including the payment scene information to a payment server, storing the corresponding relation of the payment scene information, the biological characteristic template of the user and the account of the user by the payment server, sending the corresponding relation of the biological characteristic template of the user and the account of the user to a payee system, authenticating the user based on the biological characteristic template by a payee device of the payee system in a double-off-line payment scene matched with the payment scene information, and approving the payment of the account of the user after the authentication is passed.

The present specification provides a method for receiving double offline payments, which is applied to a receiving device of a receiving party system, wherein a biometric template of a user who has opened the double offline payments and a corresponding relationship between the biometric template and an account of the user are stored on the receiving device, and the method comprises the following steps:

in a double off-line payment scene, acquiring biological characteristic information of a user;

and when the acquired biological characteristic information is matched with the biological characteristic template of a certain user in the locally stored corresponding relation, approving the payment of the user account, and storing the acquired biological characteristic information and the corresponding user account.

The specification provides a settlement method for double offline payment,

a checkout server for a payee system, the method comprising:

receiving a deduction request of a collection device, wherein the deduction request comprises user biological characteristic information acquired by the collection device in a payment scene of approving payment of a user, a corresponding user account and money information;

sending a settlement request to a payment server, wherein the settlement request comprises payment scene information of the payment scene, biological characteristic information of the user and corresponding user account acquired in the payment scene, and payment information; the payment server stores the corresponding relation of payment scene information, a biological characteristic template of the user and an account of the user;

and receiving a settlement response returned by the payment server, wherein the settlement response is returned by the payment server according to the verification result of whether the payment scene information of the payment scene for approving the payment of the user and the biological characteristic template of the user corresponding to the user account in the settlement request are matched with the biological characteristic information in the settlement request or not in the stored corresponding relation.

The settlement method for double offline payment provided by the present specification is applied to a payment server, where the payment server stores correspondence between payment scenario information, a biometric template of a user, and an account of the user, and the method includes:

receiving a settlement request from a payee system, wherein the settlement request comprises payment scene information of a payment scene that the payee system approves payment of a user, biological characteristic information of the user and a corresponding account of the user, which are acquired in the payment scene, and money information;

verifying the biological characteristic information in the settlement request by adopting the stored biological characteristic template of the user corresponding to the account of the user in the settlement request and the payment scene information matched with the payment scene for approving the payment of the user in the corresponding relation, and transferring the money from the account of the user to the account of the payee according to the money information after the verification is passed;

a settlement response is returned to the payee system.

This specification provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; and when the processor runs the computer program, executing the steps of the opening method of the double offline payment applied to the payment server.

This specification provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; and when the processor runs the computer program, executing the steps of the opening method of the double offline payment applied to the payee system.

This specification provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; and when the processor runs the computer program, executing the steps of the opening method of the double offline payment applied to the user terminal.

This specification provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; and when the processor runs the computer program, executing the steps of the double off-line payment collection method applied to the collection equipment of the collection system of the collection party.

This specification provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; and when the processor runs the computer program, executing the steps of the settlement method for double offline payment applied to the payee system.

This specification provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; and when the processor runs the computer program, the processor executes the steps of the settlement method applied to the double offline payment of the payment server.

The present specification provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the above-described provisioning method for dual offline payment applied to a payment server.

The present specification also provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the above-described provisioning method for dual offline payments applied to a payee system.

The present specification provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the above-described provisioning method for dual offline payment applied to a user terminal.

The present specification also provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the above-described method of double offline payment collection applied to a collection device of a payee system.

The present specification provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the above-described settlement method for dual offline payments applied to a payee system.

The present specification also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the above-described settlement method for dual offline payment applied to a payment server.

According to the technical scheme, in the opening embodiment of the double offline payment in the specification, the user terminal sends the user opening request to the payment server based on the payment scene information specified by the user, the payment server generates and stores the corresponding relation among the payment scene information, the biological characteristic template of the user and the account of the user, and then sends the corresponding relation to the payee system for storage, so that the payee system can approve the payment of the account of the user after authenticating the user based on the biological characteristic template in the double offline payment scene matched with the payment scene information, the payment code is generated without complicated operation in the double offline payment scene by the user, the payment can be completed by directly using the biological characteristic information of the user, the payment time of the user is reduced, and higher safety can be achieved by authentication based on the biological characteristic.

In the double offline payment collection embodiment of this specification, the collection device of the collector system collects the biometric information of the user in the double offline payment scenario according to the stored correspondence between the biometric template of the user and the user account, and approves the payment of the user account in the correspondence when the biometric information matches the biometric template of a certain user in the stored correspondence, so that the user does not need to generate a payment code through a cumbersome operation in the double offline payment scenario, and the payment can be completed by directly using the biometric information thereof, thereby reducing the payment time of the user, and achieving higher security based on the biometric authentication.

In the settlement embodiment of the dual offline payment in this specification, the payee system sends the payment scene information of the dual offline payment scene, the biometric information of the user collected in the dual offline payment scene, and the corresponding user account and money information to the payment server, and the payment server transfers money after verifying that the biometric information of the user matches the biometric template corresponding to the user account and the payment scene information in the corresponding relationship according to the stored payment scene information, the biometric template corresponding to the user account and the payment scene information in the stored payment scene information, so that the user does not need to generate a payment code through cumbersome operations in the dual offline payment scene, and can complete payment by directly using the biometric information of the user, thereby reducing the payment time of the user, and achieving higher security based on the biometric authentication.

Drawings

FIG. 1 is a diagram illustrating an example of a network architecture for an application scenario of an embodiment of the present disclosure;

fig. 2 is a flowchart of an opening method of dual offline payment applied to a payment server in one embodiment of the present specification;

fig. 3 is a flowchart of an opening method of a dual offline payment applied to a payee system in one embodiment of the present specification;

fig. 4 is a flowchart of an opening method for dual offline payment applied to a user terminal in one embodiment of the present specification;

fig. 5 is a flowchart of a payment method for dual offline payment applied to a payment apparatus of a payee system in the second embodiment of the present description;

fig. 6 is a flowchart of a settlement method for double offline payment applied to a payee system in the third embodiment of the present specification;

fig. 7 is a flowchart of a settlement method for dual offline payment applied to a payment server in the third embodiment of the present specification;

fig. 8 is a flowchart illustrating interaction among a user terminal, a payment server, a background server of a public transportation company, a background server of a machine tool, and a machine tool during a provisioning process in an application example of this specification;

FIG. 9 is a flow chart of interaction among a payment server, a bus background server, an implement background server, and an implement during settlement in an example of application of the present specification;

fig. 10 is a hardware configuration diagram of an apparatus for executing an embodiment of the present specification.

Detailed Description

In the embodiment of the present specification, the user and the payee have their own accounts in a certain payment system, and the payment server in the payment system responds to various requests from the user terminal and the payee system and performs a transfer between the account of the user and the account of the payee. The payee system includes a payment server in communication with the payment server and a payment device for determining whether to approve payment by the user in a dual offline payment environment, the payment device communicating with the payment server in a non-offline condition, and the payment device not normally communicating with the payment server in an offline condition.

The user terminal may be a mobile phone, a tablet Computer, a PC (Personal Computer), a notebook Computer, or the like; the collection device may be a fixed or handheld device with a biometric acquisition function, such as a mobile phone, a tablet computer, a PC, a notebook, a monitoring device, etc.; the payment server or the collection server may be one physical or logical server, or two or more physical or logical servers sharing different responsibilities and cooperate with each other to realize each function of the payment server or the collection server in the embodiments of the present description; all of which are not limited.

In various embodiments of the present description, the payment scenario information is used to determine a payee device in the payee system that will accept payment from the user in a dual offline environment, or to determine a payee device in the payee system that stores the biometric template of the user. The specific information can be determined as payment scene information according to the composition and operation mode of the payee system in the actual application scene, without limitation, as long as the payee device or the payee devices providing the payment service to the user in the dual-offline environment can be determined according to the payment scene information. The following examples are given.

In a first example, a user may specify frequent bus routes on which to pay a ride fee by biometric authentication. If the payee system serves only one city, the bus route can be used as payment scene information. If the payee system serves multiple cities, the city identification (such as name or unique code) and the bus line can be used as payment scene information; if each city uses the bus card of each type (namely the bus card type is only corresponding to one city), the bus lines and the bus card types of the users can be used as payment scene information. The biological characteristic template of the user is issued to all the money collecting devices of all the buses of the bus line, so that the user can pay based on the biological characteristic when taking the bus line.

In a second example, the user can use the dual offline payment function while riding a railroad train. The train number and date of the railway train taken by the user can be used as payment scene information, and the biological characteristic template of the user is issued to all the payment devices of the train, so that the user can pay on the train based on the biological characteristics.

In a third example, the user can use the dual offline payment function while riding in an airplane. The flight and date taken by the user can be used as payment scene information, and the biometric template of the user is issued to all the payment devices of the flight, so that the user can pay on the train based on the biometric.

In various embodiments of the present description, the biometric characteristic of the user is one or more physical or behavioral characteristics of a human body that can be used to identify an individual, such as one or more of a human face, a fingerprint, a palm print, and an iris. The biometric information of the user is biometric data of the user acquired on site, or information obtained by extraction, conversion or other processing based on the biometric data of the user acquired on site, for example, the biometric information may be a fingerprint image of the user acquired on site, several specific variable values extracted from a facial image of the user acquired on site (for example, variable values for measuring relative positions of eyes and a nose, etc.), or data obtained by compressing the facial image acquired on site. The biometric template of the user is obtained by extracting, converting or otherwise processing the biometric data authenticated as belonging to the user or the biometric data authenticated as belonging to the user, and is used for comparing the biometric data with the biometric information.

In a dual offline payment environment, a payee device authenticates a user through a biometric characteristic of the user, and only after the user passes the authentication will the user be authorized to make a payment. Since the checkout device is not capable of remote communication in a dual offline environment, the biometric template of the user used for authentication needs to be pre-stored on the checkout device. In consideration of protecting the privacy of the user, in the embodiment of the present application, the biometric template of the user is issued to the payment apparatus only after the user activates the dual offline payment function based on the biometric feature, that is, after the user is authorized.

The embodiment of the specification provides a new method for opening double-off-line payment, according to a payment scene for opening double-off-line payment specified by a user, a user terminal sends payment scene information to a payment server, the payment server generates and stores a corresponding relation among the payment scene information, a biological characteristic template of the user and an account of the user, and then sends the corresponding relation to a payee system for storage, therefore, the collection device of the collection system can approve the payment of the user account after authenticating the user based on the biological characteristic template in the double off-line payment scene matched with the payment scene information, thereby enabling the user to directly use the biological characteristic information to complete payment in a double off-line payment scene, reducing the payment time of the user, and the authentication based on the biological characteristics has higher safety degree, and achieves better safety while improving the payment efficiency.

When the double-off-line payment function is activated, the communication can be carried out between the user terminal and the payment server, between the payment server and a collection server of a collector system, and between the collection server and collection equipment. The network structure can be as shown in fig. 1.

In the first embodiment, a flow of the opening method for dual offline payment applied to the payment server is shown in fig. 2, a flow of the opening method applied to the payment server of the payee system is shown in fig. 3, and a flow of the opening method applied to the user terminal is shown in fig. 4.

At the user terminal, at step 410, payment scenario information specified by the user is obtained.

When a user wants to pay by adopting a certain payment system in a certain specific double-off-line payment scene, the biological characteristic payment function in the payment scene can be opened through the terminal of the user. The user may start the provisioning process in various ways, for example, the provisioning process may be started through a provisioning entry provided by client software of the payment system on the user terminal, when the payment system is accessed through a browser on the user terminal, or the provisioning process may be started by accessing the payment system or calling the client software of the payment system by another application program on the user terminal.

And after the user starts the opening process, the user terminal acquires payment scene information appointed by the user. The specific manner of obtaining the payment scenario information is not limited in the embodiments of this specification, and for example, the determination may be made by the user terminal according to a selection operation of a user on an opening interface of client software of the payment system, the manual input of the user when accessing a browsing page of the payment system may be received by the user terminal, and other application programs that call the client software of the payment system on the user terminal may be carried in a call command.

On the user terminal, step 420, according to the instruction of the user, sending a user opening request including the payment scenario information to the payment server, so that the payment server stores the payment scenario information, the biometric template of the user, and the corresponding relationship of the user account, and sends the biometric template of the user and the corresponding relationship of the user account to the payee system, so that the payee device of the payee system authenticates the user based on the biometric template in the dual offline payment scenario matched with the payment scenario information, and approves the payment of the user account after the authentication is passed.

At the payment server, step 210, a user provisioning request sent by the user terminal is received. The user opening request comprises payment scene information specified by the user.

After obtaining payment scene information designated by a user, the user terminal packages the payment scene information in a user opening request and sends the payment scene information to the payment server.

At the payment server, a biometric template of the user is obtained, step 220.

Usually, when the user terminal starts the opening process, the user has already logged in the payment system. The payment server may learn the user's account from the user's login information and obtain a biometric template for the user based on the user account.

The mode of obtaining the biological characteristic template by the payment server is not limited, and the payment server can request the biological characteristic template of the user from an official agency (such as a public security agency); the payment server can inquire the biological characteristic template of the user in a biological characteristic template library stored in the payment system; after receiving the user opening request, the payment server may instruct the user terminal to acquire and upload the biometric information of the user after performing identity authentication on the user in other manners (other identity authentication manners except for biometric authentication used by the opened dual offline payment function, such as a password, a short message, a security problem, and the like), and generate a biometric template of the user according to the uploaded biometric information; other approaches are also possible.

On the payment server, step 230, the corresponding relationship between the payment scenario information, the biometric template of the user, and the account of the user is saved.

The method includes the steps that a user list with the double offline payment function opened can be maintained on a payment server, and after a certain user is permitted to open the payment function of a certain double offline payment scene, the corresponding relation among payment scene information appointed by the user, a biological feature template of the user and an account of the user is stored in the list. Of course, the payment server may also use any other way to store the above correspondence, without limitation.

The payment server may perform the identity authentication on the user before storing the correspondence. In one example, the user terminal may collect biometric information of the user in the provisioning process and upload the collected biometric information to the payment server. The collected biological characteristic information can be carried in the user opening request by the user terminal; or after the user terminal sends the user opening request, the biological characteristic information of the user is collected and uploaded according to the instruction of the payment server. The payment server compares the biological characteristic information of the user uploaded by the user terminal with the biological characteristic template of the user, and if the biological characteristic information of the user is matched with the biological characteristic template of the user and the user passes identity authentication, the payment server saves the corresponding relation among the payment scene information, the biological characteristic template of the user and the user account; otherwise, the user terminal is informed that the user fails to pass the identity authentication, and the opening process fails.

At the payment server, a system provisioning request is sent to the payee system, step 240. The system opening request comprises payment scene information appointed by the user, the corresponding relation between the biological characteristic template of the user and the account of the user, and the payment device of the payee system authenticates the user based on the biological characteristic template in a double-off-line payment scene matched with the payment scene information and approves payment of the account of the user after the authentication is passed.

At the checkout server, a system provisioning request is received from the payment server, step 310.

At the receiving server, in step 320, the receiving device is determined according to the payment scenario information, the corresponding relationship between the biometric template of the user and the user account is issued to the receiving device, the receiving device of the receiving party system authenticates the user based on the biometric template in the dual offline payment scenario matching the payment scenario information specified by the user, and the payment of the user account is approved after the authentication is passed.

And generating a system opening request by the payment server according to the stored payment scene information, the biological characteristic template of the user and the corresponding relation of the user account, wherein the system opening request comprises the payment scene information appointed by the user requesting to open, the biological characteristic template of the user and the corresponding relation of the user account.

The payment server sends a system opening request to a collection server of the collector system. After receiving the system opening request, the collection server may store the payment scene information specified by the user in the system opening request, the biometric template of the user, and the correspondence relationship between the user accounts in an accessible storage space.

The collection server determines collection equipment according to the payment scene information in the system opening request, and issues the corresponding relation between the biological characteristic template of the user and the user account to the collection equipment; the corresponding relation between the biological characteristic template of the user and the user account is stored locally by the money receiving device. The collection server can also issue the corresponding relation of the payment scene information, the biological characteristic template of the user and the user account to the collection device, and the collection device receives the corresponding relation and stores the corresponding relation in the local.

As can be seen, in the first embodiment of the present specification, a user terminal sends a user opening request to a payment server based on payment scene information specified by a user, and the payment server generates and stores correspondence between the payment scene information, a biometric template of the user, and an account of the user, and then sends the correspondence to a payee system for storage, so that the payee system approves payment of the account of the user after authenticating the user based on the biometric template in a dual offline payment scene matching the payment scene information, so that the user can directly use the biometric information of the user to complete payment in the dual offline payment scene, thereby reducing payment time of the user.

The second embodiment of the present specification provides a new collection method for double offline payment, in which a biometric template of a user and a corresponding relationship with a user account are stored on a collection device, the collection device collects biometric information of the user in a double offline payment-only scene, and the user account corresponding to the biometric template matched with the collected biometric information is used as a payer to approve payment of the user, so that the user does not need to perform complicated operations to generate a payment code, the payment time of the user is reduced, and higher security can be achieved by adopting biometric authentication.

After the double offline payment function is opened, in a double offline payment scene specified by the user, the user can pay through the biological characteristics. The payment process is typically performed independently by the checkout device, which does not need to communicate with other devices during the payment process.

In the second embodiment, the flow of the payment method for the dual offline payment applied to the payment receiving device is shown in fig. 5. The method comprises the steps that the corresponding relation between biological characteristic templates of all users who have opened the double off-line payment in the payment scene of the work of the money collecting device and the accounts of the users is stored on the money collecting device; in other words, when the user activates the dual offline payment function, the payment scenario information is specified, and the corresponding relationship between the biometric template of the user and the account of the user is stored on the payment receiving device in the payment scenario with the specified payment scenario information.

At the checkout device, biometric information of the user is obtained, step 510, in a dual offline payment scenario.

The collection device may collect the biometric information of the user in the field in various ways in a dual offline payment scenario, such as shooting a facial image of the user, collecting a fingerprint image of the user, and the like, without limitation.

At the checkout device, step 520, when the obtained biometric information matches the biometric template of a user in the locally stored correspondence, the payment of the user's account is approved and the obtained biometric information and the corresponding user's account are stored.

After the biological characteristic information of the user is acquired, the collection equipment compares the stored biological characteristic templates of all users with the opened double off-line payment function with the acquired biological characteristic information, if the biological characteristic template of a certain user is matched with the acquired biological characteristic information, the collection equipment approves the payment of a user account corresponding to the biological characteristic template, namely the user account corresponding to the biological characteristic data matched with the acquired biological characteristic information is used for transferring money to a collection party; the collection device establishes a corresponding relationship between the acquired biometric information and the user account for payment, and stores the acquired biometric information and the corresponding user account.

The specific way of the money receiving device determining whether the collected biometric information matches the stored biometric template may be implemented with reference to the prior art, and is not described in detail.

According to the specific requirements of the collection transaction in the actual application scene, the collection device can also store the money information related to the collection when storing the acquired biological characteristic information and the corresponding user account. The money information may be any information used to determine the amount of money to be collected in the actual application scenario, for example, in a double offline payment scenario of bus fares, the fare of the user may be the fare of the user, the name of the getting-on station and the name of the getting-off station of the user, or the number of stations between the getting-on station and the getting-off station of the user; as in the dual offline payment scenario for an airplane flight, it may be the name and price of the good or service that the user purchases on the airplane.

The payment receiving device can also store payment scene information of payment scenes for approving the payment of the user, the acquired biological characteristic information and the corresponding user account. The payment scene information can be generated by the payment receiving device, or obtained by the payment receiving device from the corresponding relationship between the payment scene information which is stored locally and is appointed by the user who has opened the double offline payment, the biological characteristic template of the user and the user account.

If the biometric information obtained by the collection device does not match any of the stored biometric templates in the correspondence with the user account, the collection device does not approve the payment of the user, and the user needs to pay in other ways.

As can be seen, in the second embodiment of the present specification, the collection device collects the biometric information of the user on site in the dual offline payment scenario, compares the biometric information with the biometric template stored in the biometric template of the user and the biometric template in the correspondence relationship between the biometric templates of the user and the user accounts, and approves the payment of the user account corresponding to the matched biometric template, so that the user gets rid of the cumbersome operation of generating the payment code, and achieves higher payment security while reducing the payment time of the user.

The third embodiment of the present specification provides a new settlement method for double offline payment, in which a collection server sends payment scene information of a payment scene for approving payment of a user, user biometric information collected in the payment scene, and user account and money information to a payment server, and the payment server verifies that the user biometric information matches with the stored payment scene information corresponding to the double offline payment scene and a user biometric template of the user account, and then transfers money according to the money information, so that the user can pay without performing a complicated operation to generate a payment code in a double offline payment-only environment, thereby reducing the payment time of the user, and achieving higher security by using biometric authentication.

After the payment device of the payee system approves the payment of the user in the double-off-line payment environment, the payee system can settle with the payment server after the payment device leaves the double-off-line environment and the remote network communication is recovered, and money corresponding to the payment of the user approved in the double-off-line environment is transferred to the account of the payee from the account of the user in the payment server.

The settlement process for dual offline payments generally does not require the participation of the user and the user terminal. In the settlement process, the collection device can communicate with the collection server and the collection server can communicate with the payment server, wherein the composition of the payee system and the communication mode with the payment server can be the same as the network shown in fig. 1.

In the third embodiment, the payment server stores the payment scene information specified by the user who opens the dual offline payment, the correspondence between the biometric template of the user and the user account, and the collection device of the collector system stores the correspondence between the biometric template of the user who opens the dual offline payment and the user account, the biometric information of the user collected when the user is authorized to pay and the corresponding user account used for paying. In addition, the payee system may further store, on the payee server, payment scene information specified by the user for opening the dual offline payment, a biometric template of the user, and a corresponding relationship between the biometric template and the user account.

In the third embodiment, the flow of the settlement method for dual offline payment applied to the collection server of the payee system is shown in fig. 6, and the flow applied to the payment server is shown in fig. 7.

At the checkout server, a debit request is received at a checkout device, step 610. The deduction request comprises the biometric information of the user and the corresponding account of the user, which are acquired by the collection device in a payment scene for approving the payment of the user, and the money information. The money information may be any information that enables the payment server to determine a specific amount of money to be transferred from the user account to the payee account in an actual application scenario, and is not limited.

After the collection device is separated from the double offline payment environment, the payee system can settle the payment of the user approved in the double offline scene with the payment server. Specifically, after the network connection with the collection server is restored, the collection device packages the biometric information of the user, the corresponding user account and the money information, which are collected in the double offline scene where the user is authorized to pay, into the deduction request, and sends the deduction request to the collection server. The payment receiving device can also package the payment scene information of the double off-line payment scene for approving the payment of the user in the deduction request.

At the checkout server, a settlement request is sent to the payment server, step 620. The settlement request comprises payment scene information of a payment scene for approving payment of the user, the biological characteristic information of the user and the corresponding user account acquired in the payment scene, and the payment information.

At the payment server, a settlement request is received from the payee system, step 710.

After receiving the deduction request, the collection server can determine the payment scene information of the double off-line payment scene for approving the payment of the user, which is related to the request, according to the collection equipment which sends the deduction request if the deduction request does not carry the payment scene information; if the deduction request carries the payment scene information, the collection server can directly extract the payment scene information from the deduction request. The collection server packages the payment scene information (i.e. payment scene information of payment scene for approving payment of the user), the biological characteristic information of the user in the payment request and the corresponding user account and the money information in the settlement request and sends the settlement request to the payment server.

If the collection server stores the corresponding relation among the payment scene information appointed by the user who has opened the double off-line payment, the biological characteristic template of the user and the user account, the biological characteristic template corresponding to the payment scene information related to the deduction request and the user account in the deduction request can be inquired in the stored corresponding relation, and the inquired biological characteristic template is compared with the biological characteristic information in the deduction request; if the two are matched, the biological characteristic information in the deduction request is verified, the collection server packages the payment scene information related to the deduction request, the biological characteristic information of the user in the deduction request and the corresponding user account and the money information in the settlement request and sends the settlement request to the payment server. If the collection server does not inquire the biological characteristic template corresponding to the payment scene information related to the deduction request and the user account in the deduction request, or the inquired biological characteristic template is not matched with the biological characteristic information in the deduction request, the collection server does not generate a settlement request according to the deduction request.

On the payment server, step 720, the biometric template of the user corresponding to the account of the user in the settlement request and the payment scene information matching the payment scene for approving the payment of the user in the stored corresponding relationship is adopted to verify the biometric information in the settlement request, and after the verification is passed, the transfer from the account of the user to the account of the payee is carried out according to the money information.

The payment server stores the payment scene information appointed by the user who has opened the double off-line payment, the biological characteristic template of the user and the corresponding relation of the account of the user. And the payment server searches the biological characteristic template corresponding to the payment scene information and the user account in the settlement request in the stored corresponding relation.

After finding the corresponding biological characteristic template, the payment server compares whether the found biological characteristic template is matched with the biological characteristic information in the settlement request. If the biometric information in the settlement request is verified and the payment server performs a transfer from the user account in the settlement request to the payee account, the amount of the transfer is determined by the money information in the settlement request.

At the payment server, step 730, a settlement response is returned to the payee system.

At the checkout server, a settlement response returned by the payment server is received, step 630. And returning the settlement response by the payment server according to the verification result whether the payment scene information of the payment scene for approving the payment of the user and the biological characteristic template of the user corresponding to the user account in the settlement request are matched with the biological characteristic information in the settlement request or not.

And after the payment server completes the transfer from the user account in the settlement request to the account of the payee, returning a settlement response of successful settlement to the payment server. And if the payment server does not find the payment scene information related to the settlement request and the biological characteristic template corresponding to the user account in the settlement request in the stored corresponding relation, returning a settlement response of settlement failure to the collection server. The payment server also returns a settlement response to the payee server that the settlement failed if the biometric information in the settlement request fails verification by the payment server.

It can be seen that, in the third embodiment of the present specification, the payee system sends the payment scenario information in the dual offline payment scenario, the user biometric information collected in the payment scenario, and the corresponding user account and money information to the payment server, and the payment server performs money transfer after verifying that the user biometric information matches the stored payment scenario information corresponding to the dual offline payment scenario and the user biometric template of the user account, so that the user does not need to generate a payment code through a cumbersome operation in the dual offline payment scenario, and can complete payment by directly using the biometric information thereof, thereby reducing the payment time of the user and achieving higher security.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In one example application of the present description, a third party payment authority is associated with a public transportation company to provide a passenger with a face-brushing ride. The third party payment mechanism issues a virtual bus card to the user, the user can take the bus by using the bus card, the cost of the bus card is settled through the account of the user at the third party payment mechanism, the account of the user in the application example comprises two parts, and the account of the user at the third party payment mechanism and the bus card number are provided. Different types of bus cards are respectively issued in each city, and the bus card type and the bus card number of the user are stored in the local terminal by the client side App of the third-party payment structure on the user terminal.

In this application example, a system (payee system) of a bus company includes a payment server and a machine (a kind of payment device) provided on a bus. The collection server comprises a bus company background server and a machine background server, the bus company background server is responsible for communicating with a payment server of a third-party payment mechanism, and each machine background server is responsible for communicating with machines on a plurality of bus lines of a certain city.

Before a user swipes his face to take a bus, the user firstly needs to activate the function of swiping the face to take the bus on the appointed line. The interaction flow among the user terminal, the payment server, the background server of the public transport company, the background server of the machines and the machines in the opening flow is shown in fig. 8.

And the user specifies the bus line to be opened in the payment App of the third-party payment mechanism on the terminal and instructs the opening of the face-brushing function. The payment App receives a bus line input by a user, acquires a bus card type and a bus card number stored on a user terminal, takes the bus line and the bus card type as payment scene information, packages the payment scene information and the bus card number in a user opening request, and sends the payment scene information and the bus card number to a payment server.

The payment server obtains a face template (a biometric template) of the user from a server of the public security system based on the user account using the payment App. The payment server instructs the payment App to initiate face verification, and the payment App on the user terminal collects a face image (a type of biological characteristic information) of the user and uploads the face image to the payment server. The payment server checks whether the uploaded face image is matched with the face template of the user, if the uploaded face image is matched with the face template of the user, the payment server stores the corresponding relation of the public transport line, the type of the public transport card, the number of the public transport card, the face template of the user and the account of the user at a third-party payment mechanism appointed by the user in the user opening request, packages the corresponding relation in the system opening request and sends the system opening request to a background server of a public transport company.

The public transport company background server stores the corresponding relation of the public transport line, the public transport card type, the public transport card number, the face template of the user and the account of the user at the third-party payment mechanism appointed by the user in the system opening request, determines the machine background server according to the public transport card type and the public transport line appointed by the user, and issues the corresponding relation of the public transport line, the public transport card type, the public transport card number, the face template of the user and the account of the user at the third-party payment mechanism to the determined machine background server. The machine tool background server issues the corresponding relation between the face template of the user, the type of the bus card, the bus card number and the account of the user at the third-party payment mechanism to all machine tools on the bus line. And the machine tool stores the issued corresponding relation locally after receiving the relation, and returns a response of successful storage to the machine tool background server.

After all machines and tools on the bus line return response of successful storage to the machine and tool background server, the machine and tool background server returns response of successful delivery to the bus company background server, and the bus company background server returns response of successful opening to the payment server. And the payment server informs the payment App of successful opening, and the payment App is displayed to the user. If the machines and tools on the bus line specified by the user return the response of unsuccessful storage to the machine and tool background server, the machine and tool background server returns the response of unsuccessful storage to the bus company background server, and the bus company background server returns the response of failed opening to the payment server. And the payment server informs the payment App of the failure of opening, and the payment App is displayed to the user.

After the user switches on the face-brushing riding function, the user can take a bus by brushing the face on the appointed bus line. And each machine on the appointed bus line stores the corresponding relation of the face template, the type of the bus card, the number of the bus card and the account of the user at the third-party payment mechanism of all the users who open the double off-line payment of the bus line. When a user takes a bus of an appointed bus line, a machine on the bus collects the face image of the user on site and compares the face image with the stored face template of the user who opens the double off-line payment, and if a certain face template is matched with the collected face image, the bus number corresponding to the face template and the account of the user at the third-party payment mechanism are the payer of the bus fee. The machine tool prompts the user to brush the face successfully, stores the corresponding relation between the collected face image and the payer, namely the bus card number, the account of the user at the third-party payment mechanism and the type of the bus card of the user, and stores the riding cost (money information) of the user during riding.

If no face template is matched with the collected face image, the machine prompts the user that the face brushing fails, and the user can pay the bus fee in other modes.

After the machines on the bus recover the network communication with the machines background server, the payment information of the users authorized in the double off-line operation can be reported so as to be convenient for the bus company background server to settle accounts with the payment server. The interaction flow among the payment server, the background server of the bus company, the background server of the machines and the machines in the settlement process is shown in fig. 9.

The machine encapsulates the bus line where the machine is located, the facial image which is stored by the machine and collected when the user takes a bus, the corresponding bus card type, the bus card number, the account of the user at a third-party payment mechanism and the bus cost of the user in a deduction request and sends the deduction request to the machine background server. The machine background server forwards the deduction request to a bus company background server.

The method comprises the steps that a bus company background server extracts a bus line, a bus card type, a bus card number and an account of a user at a third party payment mechanism in a deduction request, searches a corresponding user face template in a corresponding relation of the stored user-specified bus line, the bus card type, the bus card number, a user face template and the account of the user at the third party payment mechanism with opened face-brushing bus, and verifies a face image in the deduction request by comparing whether the face image in the deduction request is matched with the user face template. After passing the verification, the bus company background server packages the bus card type, the bus line in the deduction request, the bus card number, the account of the user at the third-party payment mechanism, the face image of the user and the riding cost in the settlement request, and sends the settlement request to the payment server.

The payment server extracts the bus card type, the bus line, the bus card number and the account of the user in the third-party payment mechanism in the settlement request, searches the corresponding user face template in the stored corresponding relation of the bus line, the bus card type, the bus card number, the user face template and the account of the user in the third-party payment mechanism, wherein the bus line, the bus card number, the user face template and the account of the user in the third-party payment mechanism are appointed by the user who opens a face-brushing bus, and verifies the face image in the settlement request by comparing whether the face image in the settlement request is matched with the searched face template or not.

After the face image in the settlement request passes the verification, the payment server deducts the amount from the account of the third-party payment mechanism of the user in the settlement request, and adds the amount to the account of the third-party payment mechanism of the public transport company, wherein the amount is the amount of the bus fee in the settlement request. And the payment server returns a settlement response of successful settlement to the background server of the public transport company.

Corresponding to the above flow implementation, the embodiment of the present specification further provides a provisioning device for dual offline payment applied to the payment server, a provisioning device for dual offline payment applied to the payee system, a provisioning device for dual offline payment applied to the user terminal, a payment device for dual offline payment applied to the payee device of the payee system, a settlement device for dual offline payment applied to the payee system, and a settlement device for dual offline payment applied to the payment server. The above devices can be realized by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, the logical device is formed by reading a corresponding computer program instruction into a memory for running through a Central Processing Unit (CPU) of the device. In terms of hardware, the device in which the apparatus is located generally includes other hardware such as a chip for transmitting and receiving wireless signals and/or other hardware such as a board for implementing a network communication function, in addition to the CPU, the memory, and the storage shown in fig. 10.

The embodiment of the specification provides a device for opening double offline payment, which is applied to a payment server, and comprises a user opening receiving unit, a feature template obtaining unit, a first opening storage unit and a system opening sending unit, wherein: the user opening receiving unit is used for receiving a user opening request sent by a user terminal; the user opening request comprises payment scene information appointed by a user; the characteristic template acquisition unit is used for acquiring a biological characteristic template of the user; the first opening storage unit is used for storing the corresponding relation among the payment scene information, the biological characteristic template of the user and the account of the user; the system opening and sending unit is used for sending a system opening request to a payee system, wherein the system opening request comprises payment scene information specified by the user, the corresponding relation between the biological characteristic template of the user and the account of the user, and the payee device of the payee system authenticates the user based on the biological characteristic template in a double-off-line payment scene matched with the payment scene information and approves payment of the account of the user after the authentication is passed.

Optionally, the apparatus further includes a feature information receiving unit, configured to receive biometric information of the user collected and uploaded by the user terminal; the first open storage unit is specifically configured to: and when the biological characteristic information uploaded by the user terminal is matched with the biological characteristic template of the user, storing the corresponding relation of the payment scene information, the biological characteristic template of the user and the account of the user.

The embodiment of the specification provides a device for opening double offline payment, which is applied to a collection server of a collector system, and comprises a system opening receiving unit and a template and account issuing unit, wherein: the system opening receiving unit is used for receiving a system opening request from a payment server, wherein the system opening request comprises payment scene information appointed by a user requesting opening, a biological characteristic template of the user and a corresponding relation of an account of the user; and the template and account issuing unit is used for determining a payment receiving device according to the payment scene information, issuing the corresponding relation between the biological characteristic template of the user and the user account to the payment receiving device, authenticating the user based on the biological characteristic template by the payment receiving device of the payee system in a double-off-line payment scene matched with the payment scene information specified by the user, and approving the payment of the user account after the authentication is passed.

In one example, the payment scenario information includes a bus line and a bus card type; the collection server comprises a background server of a bus company and a background server of machines and tools; the account of the user comprises an account of the user in a payment server and a bus number of the user; the template and account issuing unit is specifically used for: determining an implement background server by a background server of a public transport company according to a public transport line and a type of a public transport card, and issuing a corresponding relation of the public transport line, the biological characteristic template of the user and the user account to the implement background server; and issuing the corresponding relation between the biological characteristic template of the user and the user account to all the collection devices on the bus line by the machine background server.

The embodiment of the specification provides a device for opening double offline payment, which is applied to a user terminal, and comprises a payment scene specifying unit and a user opening and sending unit, wherein: the payment scene specifying unit is used for acquiring payment scene information specified by a user; the user opening and sending unit is used for sending a user opening request comprising the payment scene information to a payment server according to the indication of a user, so that the payment server stores the corresponding relation among the payment scene information, the biological characteristic template of the user and the account of the user, and sends the corresponding relation between the biological characteristic template of the user and the account of the user to a payee system, and the payee system is used for authenticating the user based on the biological characteristic template in a double-off-line payment scene matched with the payment scene information by a payee device of the payee system and approving the payment of the account of the user after the authentication is passed.

Optionally, the apparatus further comprises: and the opening characteristic information unit is used for acquiring the biological characteristic information of the user and uploading the biological characteristic information to a payment server, so that the payment server authenticates the user according to the uploaded biological characteristic information and the biological characteristic template of the user before storing the corresponding relation among the payment scene information, the biological characteristic template of the user and the account of the user.

Optionally, the payment scenario specifying unit is specifically configured to: receiving a bus line input by a user, acquiring a bus card type stored on the user terminal, and generating payment scene information by adopting the bus line and the bus card type; the device also comprises a bus number acquisition unit which is used for acquiring the bus number of the user stored on the user terminal; the account of the user includes: the account of the user on the payment server and the bus number of the user.

Optionally, the user-specified payment scenario information includes one of: bus route, flight and date, or train number and date; the biometric characteristic comprises one of: face, fingerprint, or iris.

The embodiment of the specification provides a collection device for double offline payment, which is applied to collection equipment of a payee system, wherein the collection equipment stores a corresponding relation between a biological characteristic template of a user who has opened the double offline payment and an account of the user, and the device comprises a characteristic information acquisition unit and a payment verification unit, wherein: the characteristic information acquisition unit is used for acquiring biological characteristic information of the user in a double off-line payment scene; the payment verification unit is used for approving payment of the user account when the acquired biological characteristic information is matched with the biological characteristic template of a certain user in the locally stored corresponding relation, and storing the acquired biological characteristic information and the corresponding user account.

Optionally, the payment scenario information includes one of: bus route, flight and date, or train number and date; the biometric characteristic comprises one of: face, fingerprint, or iris.

The embodiment of the specification provides a settlement device for double off-line payment, which is applied to a collection server of a payee system, and comprises a deduction request receiving unit, a settlement request sending unit and a settlement response receiving unit, wherein: the deduction request receiving unit is used for receiving a deduction request of the collection device, wherein the deduction request comprises the biological characteristic information of the user, the corresponding account of the user and the money information, which are acquired by the collection device in a payment scene of approving payment of the user; the settlement request sending unit is used for sending a settlement request to a payment server, wherein the settlement request comprises payment scene information of the payment scene, biological characteristic information of the user and corresponding user account acquired in the payment scene, and money information; the payment server stores the corresponding relation of payment scene information, a biological characteristic template of the user and an account of the user; and the settlement response receiving unit is used for receiving a settlement response returned by the payment server, and the settlement response is returned by the payment server according to the verification result whether the payment scene information of the payment scene for approving the payment of the user and the biological characteristic template of the user corresponding to the user account in the settlement request are matched with the biological characteristic information in the settlement request or not in the stored corresponding relation.

In one example, the payee server stores a correspondence between payment scenario information, a biometric template of a user, and an account of the user; the settlement request sending unit is specifically configured to: and determining payment scene information of a payment scene for approving payment of the user, verifying the biological characteristic information in the deduction request by adopting the stored biological characteristic template of the user corresponding to the payment scene information and the account of the user in the deduction request in the corresponding relation, and sending a settlement request to a payment server after the verification is passed.

In the above example, the payment scenario information includes a bus route and a bus card type; the collection server comprises a background server of a bus company and a background server of machines and tools; the cash register is a machine tool; the settlement request is sent to a payment server by a background server of the public transport company; the settlement response is received by the bus company background server from the payment server; and the deduction request is received by the machine background server from the machine and then forwarded to the bus company background server.

The embodiment of the specification provides a settlement device for double offline payment, which is applied to a payment server, wherein the payment server stores corresponding relations among payment scene information, a biological characteristic template of a user and an account of the user, the device comprises a settlement request receiving unit, a settlement unit and a settlement response sending unit, and the settlement device comprises: the settlement request receiving unit is used for receiving a settlement request from a payee system, wherein the settlement request comprises payment scene information of a payment scene in which the payee system approves payment of the user, biological characteristic information of the user acquired in the payment scene, a corresponding account of the user and money information; the settlement unit is used for verifying the biological characteristic information in the settlement request by adopting the stored biological characteristic template of the user corresponding to the account of the user in the settlement request and the payment scene information matched with the payment scene for approving the payment of the user in the corresponding relation, and transferring the money from the account of the user to the account of the payee according to the money information after the verification is passed; the settlement response sending unit is used for returning a settlement response to the payee system.

Embodiments of the present description provide a computer device that includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when running the stored computer program, performs the steps of the provisioning method of dual offline payment applied to the payment server in the embodiments of the present description. For a detailed description of the steps of the provisioning method for dual offline payment to the payment server, reference is made to the preceding contents, which are not repeated.

Embodiments of the present description provide a computer device that includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when running the stored computer program, performs the steps of the method for opening a dual offline payment applied to the payee server of the payee system in the embodiments of the present description. For a detailed description of the steps of the opening method for the double offline payment applied to the payment receiving server of the payment receiving system, please refer to the previous contents, which is not repeated.

Embodiments of the present description provide a computer device that includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when running the stored computer program, performs the steps of the provisioning method of dual offline payment applied to the user terminal in the embodiments of the present description. For a detailed description of the steps of the provisioning method for dual offline payment of a user terminal, refer to the previous contents and are not repeated.

Embodiments of the present description provide a computer device that includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the method of collection of dual offline payments as applied to a collection device of a payee system in the embodiments of the present specification. For a detailed description of the steps of the double offline payment collection method applied to the collection device of the collection system, please refer to the previous contents, which are not repeated.

Embodiments of the present description provide a computer device that includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the settlement method for dual offline payments applied to the payee server of the payee system of the embodiments of the specification. For a detailed description of the respective steps of the settlement method for the double offline payment applied to the payment receiving server of the payment receiving system, refer to the previous contents and will not be repeated.

Embodiments of the present description provide a computer device that includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when running the stored computer program, performs the steps of the settlement method of dual offline payment applied to the payment server in the embodiments of the present specification. The detailed description of the respective steps of the settlement method for the dual offline payment applied to the payment server is referred to the previous contents and will not be repeated.

Embodiments of the present description provide a computer-readable storage medium having stored thereon computer programs that, when executed by a processor, perform the steps of the provisioning method of dual offline payment applied to a payment server in embodiments of the present description. For a detailed description of the steps of the provisioning method for dual offline payment to the payment server, reference is made to the preceding contents, which are not repeated.

Embodiments of the present description provide a computer-readable storage medium having stored thereon computer programs which, when executed by a processor, perform the steps of the provisioning method of the present description embodiments applied to a payee server of a payee system for dual offline payments. For a detailed description of the steps of the opening method for the double offline payment applied to the payment receiving server of the payment receiving system, please refer to the previous contents, which is not repeated.

Embodiments of the present description provide a computer-readable storage medium having stored thereon computer programs that, when executed by a processor, perform the steps of the provisioning method of dual offline payment applied to a user terminal in embodiments of the present description. For a detailed description of the steps of the provisioning method for dual offline payment of a user terminal, refer to the previous contents and are not repeated.

Embodiments of the present description provide a computer-readable storage medium having stored thereon computer programs which, when executed by a processor, perform the steps of the method of collecting double offline payments applied to a payee system collection device of embodiments of the present description. For a detailed description of the steps of the double offline payment collection method applied to the collection device of the collection system, please refer to the previous contents, which are not repeated.

Embodiments of the present description provide a computer-readable storage medium having stored thereon computer programs which, when executed by a processor, perform the steps of the settlement method of the present description applied to a payment receiving server of a payee system for dual offline payments. For a detailed description of the respective steps of the settlement method for the double offline payment applied to the payment receiving server of the payment receiving system, refer to the previous contents and will not be repeated.

Embodiments of the present description provide a computer-readable storage medium having stored thereon computer programs that, when executed by a processor, perform the steps of the settlement method of dual offline payment applied to a payment server in embodiments of the present description. The detailed description of the respective steps of the settlement method for the dual offline payment applied to the payment server is referred to the previous contents and will not be repeated.

While the invention has been described in terms of what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not to be limited to the disclosed embodiment, but on the contrary, is intended to cover various modifications, equivalents, and alternatives falling within the spirit and scope of the invention as defined by the appended claims.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.

Claims

1. An opening method of double offline payment is applied to a payment server, and comprises the following steps:

acquiring a biological characteristic template of the user;

and sending a system opening request to a payee system, wherein the system opening request comprises payment scene information appointed by the user, a corresponding relation between the biological characteristic template of the user and the account of the user, so that a payee device of the payee system authenticates the user based on the biological characteristic template in a double-off-line payment scene matched with the payment scene information, and approves payment of the account of the user after the authentication is passed.

2. The method of claim 1, further comprising: receiving the biological characteristic information of the user, which is acquired and uploaded by the user terminal;

the storing of the corresponding relationship among the payment scenario information, the biometric template of the user, and the account of the user includes: and when the biological characteristic information uploaded by the user terminal is matched with the biological characteristic template of the user, storing the corresponding relation of the payment scene information, the biological characteristic template of the user and the account of the user.

3. A method for opening double off-line payment is applied to a payment server of a payee system, and comprises the following steps:

4. The method of claim 3, the payment scenario information comprising a bus route and a bus card type; the collection server comprises a background server of a bus company and a background server of machines and tools; the account of the user comprises an account of the user in a payment server and a bus number of the user;

the determining a payment device according to the payment scene information and issuing the corresponding relation between the biological characteristic template of the user and the user account to the payment device comprises the following steps: determining an implement background server by a background server of a public transport company according to a public transport line and a type of a public transport card, and issuing a corresponding relation of the public transport line, the biological characteristic template of the user and the user account to the implement background server; and issuing the corresponding relation between the biological characteristic template of the user and the user account to all the collection devices on the bus line by the machine background server.

5. A method for opening double offline payment is applied to a user terminal, and comprises the following steps:

acquiring payment scene information appointed by a user;

6. The method of claim 5, further comprising: and acquiring the biological characteristic information of the user and uploading the biological characteristic information to a payment server, so that the payment server authenticates the user according to the uploaded biological characteristic information and the biological characteristic template of the user before storing the corresponding relation among the payment scene information, the biological characteristic template of the user and the account of the user.

7. The method of claim 5, the obtaining user-specified payment scenario information comprising: receiving a bus line input by a user, acquiring a bus card type stored on the user terminal, and generating payment scene information by adopting the bus line and the bus card type;

the method further comprises the following steps: acquiring a bus number of a user stored on the user terminal;

the account of the user includes: the account of the user on the payment server and the bus number of the user.

8. The method of claim 5, the user-specified payment scenario information comprising one of: bus route, flight and date, or train number and date; the biometric characteristic comprises one of: face, fingerprint, or iris.

9. A collection method of double off-line payment is applied to collection equipment of a collector system, wherein a corresponding relation between a biological characteristic template of a user who has opened the double off-line payment and an account of the user is stored on the collection equipment, and the method comprises the following steps:

10. The method of claim 9, the payment scenario information comprising one of: bus route, flight and date, or train number and date; the biometric characteristic comprises one of: face, fingerprint, or iris.

11. A settlement method of double off-line payment is applied to a collection server of a collector system, and the method comprises the following steps:

12. The method of claim 11, wherein the payee server maintains a correspondence of payment scenario information, a biometric template of a user, an account of the user;

the sending of the settlement request to the payment server includes: and determining payment scene information of a payment scene for approving payment of the user, verifying the biological characteristic information in the deduction request by adopting the stored biological characteristic template of the user corresponding to the payment scene information and the account of the user in the deduction request in the corresponding relation, and sending a settlement request to a payment server after the verification is passed.

13. The method of claim 12, the payment scenario information comprising a bus route and a bus card type; the collection server comprises a background server of a bus company and a background server of machines and tools; the cash register is a machine tool;

the settlement request is sent to a payment server by a background server of the public transport company; the settlement response is received by the bus company background server from the payment server; and the deduction request is received by the machine background server from the machine and then forwarded to the bus company background server.

14. A settlement method of double off-line payment is applied to a payment server, the payment server stores the corresponding relation of payment scene information, a biological characteristic template of a user and an account of the user, and the method comprises the following steps:

a settlement response is returned to the payee system.

15. The method of claim 14, the payment scenario information comprising one of: bus route, flight and date, or train number and date; the biometric characteristic comprises one of: face, fingerprint, or iris.

16. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the steps of any of claims 1 to 2.

17. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the steps of any of claims 3 to 4.

18. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the steps of any of claims 5 to 8.

19. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the steps of any of claims 9 to 10.

20. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the steps of any of claims 11 to 13.

21. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the steps of any of claims 14 to 15.

22. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of any one of claims 1 to 2.

23. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of any one of claims 3 to 4.

24. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of any of claims 5 to 8.

25. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of any one of claims 9 to 10.

26. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of any of claims 11 to 13.

27. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of any of claims 14 to 15.