CN113383356A

CN113383356A - Offline payment method and device, electronic equipment and storage medium

Info

Publication number: CN113383356A
Application number: CN201980091192.2A
Authority: CN
Inventors: 方攀; 陈岩
Original assignee: Guangdong Oppo Mobile Telecommunications Corp Ltd; Shenzhen Huantai Technology Co Ltd
Current assignee: Guangdong Oppo Mobile Telecommunications Corp Ltd; Shenzhen Huantai Technology Co Ltd
Priority date: 2019-05-08
Filing date: 2019-05-08
Publication date: 2021-09-10
Anticipated expiration: 2039-05-08
Also published as: CN113383356B; WO2020223932A1

Abstract

The application discloses an offline payment method, an offline payment device, electronic equipment and a storage medium, and relates to the technical field of payment. The method applied to the mobile terminal comprises the following steps: determining whether a network of the mobile terminal is available in a payment state; if the network is unavailable, establishing direct connection with the money receiving equipment based on the short-distance wireless communication technology; after the payment account information is encrypted, the payment account information is sent to the collection equipment through the direct connection so as to be used for indicating the collection equipment to send the payment account information and the collection information to the server for deduction, and therefore electronic payment can be carried out when the mobile terminal is disconnected.

Description

Offline payment method and device, electronic equipment and storage medium

Technical Field

The present application relates to the field of payment technologies, and in particular, to an offline payment method, an offline payment device, an electronic device, and a storage medium.

Background

In the field of mobile payment, electronic payment via mobile terminals has become increasingly common. However, electronic payment by a mobile terminal has strong dependence on a network, and payment cannot be made if the mobile terminal is disconnected from the network.

Disclosure of Invention

In view of the foregoing, the present application provides an offline payment method, an offline payment apparatus, an electronic device, and a storage medium to improve the foregoing problems.

In a first aspect, an embodiment of the present application provides an offline payment method, which is applied to a mobile terminal, and the method includes: determining whether a network of the mobile terminal is available in a payment state; if the network is unavailable, establishing direct connection with the money receiving equipment based on the short-distance wireless communication technology; after the payment account information is encrypted, the payment account information is sent to the collection device through the direct connection, so that the collection device is instructed to send the payment account information and the collection information to a server for deduction.

In a second aspect, an embodiment of the present application provides an offline payment method, which is applied to a payment receiving device, and the method includes: entering an offline payment mode based on a preset trigger mode; establishing direct connection with the mobile terminal based on a short-distance wireless communication technology; receiving payment account information sent by a mobile terminal; and sending the payment account information and the collection information to a server.

In a third aspect, an embodiment of the present application provides an offline payment method, which is applied to a server, and the method includes: receiving payment account information and collection information sent by collection equipment, wherein the payment account information is data encrypted by a first public key; decrypting the payment account information by a first private key, wherein the first private key and the first public key are a key pair; and deducting according to the payment information and the decrypted payment account information.

In a fourth aspect, an embodiment of the present application provides an offline payment apparatus, which is applied to a mobile terminal, and the apparatus includes: the network confirmation module is used for determining whether the network of the mobile terminal is available or not in the payment state; the direct connection module is used for establishing direct connection with the money receiving equipment based on the short-distance wireless communication technology if the network is unavailable; and the information sending module is used for sending the encrypted payment account information to the collection equipment through the direct connection so as to indicate the collection equipment to send the payment account information and the collection information to the server for deduction.

In a fifth aspect, an embodiment of the present application provides an offline payment apparatus, which is applied to a payment receiving device, and the apparatus includes: the starting module is used for entering an offline payment mode based on a preset triggering mode; the direct connection module is used for establishing direct connection with the mobile terminal based on a short-distance wireless communication technology; the information receiving module is used for receiving payment account information sent by the mobile terminal; and the information sending module is used for sending the payment account information and the collection information to a server.

In a sixth aspect, an embodiment of the present application provides an offline payment apparatus, which is applied to a server, and the apparatus includes: the information receiving module is used for receiving payment account information and collection information sent by collection equipment, wherein the payment account information is data encrypted by a first public key; the decryption module is used for decrypting the payment account information through a first private key, wherein the first private key and the first public key are a key pair; and the deduction module is used for deducting money according to the collection information and the decrypted payment account information.

In a seventh aspect, an embodiment of the present application provides an electronic device, including: one or more processors; a memory; one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs configured to perform the methods described above.

In an eighth aspect, embodiments of the present application provide a computer-readable storage medium, in which a program code is stored, and the program code can be called by a processor to execute the above method.

According to the offline payment method, the offline payment device, the electronic equipment and the storage medium, under the condition that a mobile terminal network is unavailable, account information is sent to the collection equipment through direct connection with the collection equipment, and deduction is carried out through connection between the collection equipment and the server, so that electronic payment can be carried out when the mobile terminal is disconnected.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 shows an interaction diagram of an offline payment system provided in an embodiment of the present application.

Fig. 2 shows a time sequence state diagram of an offline payment method according to an embodiment of the present application.

Fig. 3 shows a bluetooth data package structure diagram provided in the embodiment of the present application.

Fig. 4 is a schematic diagram illustrating a format of a data packet according to an embodiment of the present application.

Fig. 5 is a timing diagram illustrating an offline payment method according to another embodiment of the present application.

Fig. 6 shows another schematic diagram of a data packet format provided in an embodiment of the present application.

Fig. 7 shows another schematic diagram of a data packet format provided in the embodiment of the present application.

Fig. 8 is a timing diagram illustrating an offline payment method according to another embodiment of the present application.

Fig. 9 shows a flowchart of an offline payment method applied to a mobile terminal according to an embodiment of the present application.

Fig. 10 shows a flowchart of an offline payment method applied to a payment receiving device according to an embodiment of the present application.

Fig. 11 shows a flowchart of an offline payment method applied to a server according to an embodiment of the present application.

Fig. 12 is a functional block diagram illustrating an offline payment apparatus applied to a mobile terminal according to an embodiment of the present application.

Fig. 13 is a functional block diagram of an offline payment apparatus applied to a cash register according to an embodiment of the present application.

Fig. 14 shows a functional block diagram of an offline payment apparatus applied to a server according to an embodiment of the present application.

Fig. 15 shows a block diagram of an electronic device according to an embodiment of the present application.

Fig. 16 is a storage unit for storing or carrying program codes for implementing an offline payment method according to an embodiment of the present application.

Detailed Description

In order to make the technical solution better understood by those skilled in the art, the technical solution in the embodiment of the present application will be clearly and completely described below with reference to the attached drawings in the embodiment of the present application.

With the development of mobile payment technology, electronic payment through mobile terminals has become more and more common. When the electronic payment is carried out through the mobile terminal, the payment can be finished only by ensuring that the mobile terminal network is normal. However, in an actual scenario, the network state of the mobile terminal cannot be guaranteed to be normal, and generally, the network connection is not available due to unstable network connection or network connection failure, so that data interaction with the server cannot be performed. For example, in a shopping mall with a large traffic, a cellular network or a wireless local area network is often heavily loaded, a mobile data network of a mobile phone may not be available, and code scanning payment cannot be performed.

The inventor finds that in an electronic payment scene, a collection device of a collection party is generally a fixed device and can ensure relatively stable wireless network connection or wired network connection. Therefore, the inventor provides a solution for forwarding the network data packet of the mobile phone by using the money receiving device so that the mobile phone can complete passive code scanning payment under a network-free condition.

Specifically, in order to overcome the above various disadvantages, the inventor proposes an offline payment method, an offline payment apparatus, an electronic device, and a storage medium provided in the embodiments of the present application, in a payment state, if it is determined that a network of a mobile terminal is unavailable, a direct connection is established with a payment receiving device, account information is encrypted and then sent to the payment receiving device, and since the payment receiving device has a relatively stable network connection, data interaction with a server is possible, and therefore, the payment receiving device can send the account information to the server for deduction.

The offline payment method, the offline payment device, the electronic device and the storage medium provided by the embodiment of the application can be applied to the offline payment system shown in fig. 1. As shown in fig. 1, the offline payment system includes a mobile terminal 101, a payment receiving device 102, and a server 103. The mobile terminal can be a mobile phone, a tablet computer, a smart watch and other intelligent devices capable of carrying out electronic payment. The payment receiving device is an intelligent device capable of receiving payment, such as a cash register, a computer, and the like, and the server may be a server or a server cluster formed by a plurality of servers.

Referring to fig. 1, in a state that a network is available, a mobile terminal may connect to a server through a base station 104, or connect to the server through a hot spot 105 to perform data interaction with the server. That is, the mobile terminal may establish a connection with the server through a mobile data network or a wireless local area network. Checkout device 102 may also establish a network connection with a server via a mobile data network or a wireless local area network. In addition, when the mobile terminal is within a certain distance range of the payment apparatus, the mobile terminal and the payment apparatus may establish a direct connection based on a short-range wireless communication technology, as shown in fig. 1. Referring to fig. 2, the method applied to the offline payment system may include:

step S110: and the mobile terminal determines whether the network is available or not in a payment state.

When electronic payment is needed through the mobile terminal, the user can operate and control the mobile terminal to enter a payment state. The payment state may be a state in which the payment application is opened, a state in which a payment interface is opened under the payment application (for example, a payment two-dimensional code display page, a payment scanning page), and the like, and as long as the mobile terminal makes a preparation for electronic payment, the payment state may be considered as the payment state of the mobile terminal.

When the mobile terminal is in a payment state, it is determined whether a network is available. The network may include a cellular network, i.e. a mobile data network, a wireless local area network, etc., and the mobile terminal may perform data interaction with the server through the network in a state that the network is available.

And if the network is unavailable when the mobile terminal is in the payment state, the payment can be completed by data forwarding through the money receiving equipment.

Optionally, the situation that the network is unavailable may be that the mobile terminal fails to connect to the network, that is, the mobile terminal does not successfully connect to the WiFi and the mobile data network; the situation that the network connection is unavailable can also be that the mobile terminal is connected with the network, but the connected network cannot transmit and receive data; the network connection is not available, but the mobile terminal is connected to a mobile data network, but the current traffic usage of the mobile data network account corresponding to the mobile terminal already exceeds the highest threshold value that can be used, and the highest threshold value indicates that the mobile data network can not be used again after the traffic exceeds the threshold value.

In the embodiment of the present application, the method for determining the network state of the mobile terminal is not limited, for example, the network connection state and the network connection type of the device may be monitored by ConnectivityManager; changes in network connectivity may be detected by registering to broadcast breadcastirever; the connection status and network connection type of the network of devices, etc. may be monitored by phonestalistener.

Step S120: and if the mobile terminal network is unavailable, the mobile terminal enters an offline payment mode.

Step S130: if the mobile terminal network is unavailable, the money receiving device enters an offline payment mode.

If the network of the mobile terminal is determined to be unavailable, the mobile terminal needs to send the payment account information to the server for deduction through the collection device, and therefore the mobile terminal can start an offline payment mode. Correspondingly, since the charging device needs to receive the account information of the mobile terminal and forward the account information to the server, the charging device also needs to correspondingly enter an offline payment mode.

The mobile terminal can enter an offline payment mode when detecting that the network is unavailable.

The manner in which the checkout device enters the offline payment mode may be based on a preset trigger. The preset triggering mode can be that a payee corresponding to the collection device performs an operation on the collection device to enable the collection device to enter an offline payment mode; or the collection equipment fails to scan the payment two-dimensional code of the mobile terminal; or the two-dimensional code provided by the mobile terminal and used for representing the disconnection of the network connection is scanned by the money receiving equipment; or the cash register device scans a two-dimensional code provided by the mobile terminal and used for representing the direct connection request, and the like. The two-dimensional code representing the network connection disconnection and the two-dimensional code representing the direct connection request may be the same two-dimensional code or different two-dimensional codes. In this embodiment of the present application, in order to cooperate with a mobile terminal that is unavailable in network connection, the money receiving device may enter an offline payment mode, and a manner of entering the offline payment mode is not limited in this embodiment of the present application.

Step S140: based on the short-distance wireless communication technology, the mobile terminal establishes direct connection with the money receiving equipment.

In the offline payment mode, the mobile terminal and the payment receiving device may establish a direct connection based on a short-range wireless communication technology. The direct connection means that the mobile terminal and the payment apparatus are in point-to-point connection without an intermediate access point therebetween. In this embodiment of the application, the direct connection may be a bluetooth connection, a WiFi direct connection, an NFC connection, or others, and it may be implemented to transmit data between the mobile terminal and the payment apparatus without relying on a data network. In the embodiment of the present application, a bluetooth connection is mainly used as an example of a direct connection.

In the embodiment of the application, the direct connection between the mobile terminal and the payment receiving device may be established in a manner that, in an offline payment mode, the mobile terminal provides identification information for establishing direct connection based on a short-range wireless communication technology, so that the payment receiving device establishes direct connection based on the short-range wireless communication technology with the mobile terminal according to the identification information; correspondingly, the mobile terminal establishes direct connection with the money collecting equipment.

Specifically, the mobile terminal may generate a two-dimensional code including encoded information of the identification information, where the two-dimensional code indicates that the mobile terminal initiates a direct connection request to the payment apparatus. Included in the identification information is information identifying the mobile terminal that can be used for direct connection to the mobile terminal. For example, if the identification information may include a mac address and a password used by the mobile terminal for direct connection, the cash collecting device may obtain the mac address of the mobile terminal by scanning the two-dimensional code, and establish a direct connection with the mobile terminal according to the mac address and the password.

If the mobile terminal generates and displays the two-dimensional code containing the own Bluetooth mac address and the password value required to be used when the Bluetooth connection is established, the user provides the two-dimensional code to the money receiving equipment. And the collection equipment scans the two-dimensional code to obtain a Bluetooth mac address and a password value of the mobile terminal, initiates a Bluetooth connection request to the mobile terminal based on the mac address and the password value, and establishes Bluetooth connection with the mobile terminal.

Step S150: and after encrypting the payment account information, the mobile terminal sends the encrypted payment account information to the collection equipment through the direct connection.

After the mobile terminal is directly connected with the collection equipment, the payment account information for payment is encrypted and then is sent to the collection equipment through the direct connection between the mobile terminal and the collection equipment. The payment account information may be information of an account logged in by a payment application program in the mobile terminal, and may be specifically provided by the payment application program; the payment account information may also be other account information that may be used for electronic payment and that is stored in the mobile terminal.

The payment account information sent to the collection device by the mobile terminal needs to be forwarded to the server by the collection device, so the encryption mode of the payment account information is a mode that the collection device cannot decrypt and the server can decrypt.

In the embodiment of the application, encryption and decryption can be performed through a key pair. Specifically, the server may have a key pair, after encrypting data, a public key in the key pair may decrypt the data through a private key, the public key in the key pair is defined as a first public key, a private key in the key pair is defined as a first private key, and the server holds the first private key and sends the first public key to the mobile terminal for data encryption by the mobile terminal. When the network is available, the mobile terminal may obtain the first public key provided by the server from the server and store the first public key.

When the payment account information needs to be forwarded to the server through the collection device in the offline payment mode, the mobile terminal may encrypt the payment account information through the first public key and then send the encrypted payment account information to the collection device through the direct connection.

In the embodiment of the application, the mobile terminal can encapsulate the payment account information into a data packet and send the data packet to the collection device. Specifically, the destination address of the header in the data packet is encapsulated as the address of the server, and since the mobile terminal has no network connection, the source address of the header in the data packet is encapsulated as null, so that when the receiving device receives the data packet, the source address is filled as the address of the receiving device. The address of the server is the address of the server for deduction processing, and the server indicates the server to which the payment account information needs to arrive.

For example, the mobile terminal is connected to the payment device in the offline payment mode through Bluetooth, encrypts payment account information through the first public key, encapsulates the encrypted payment account information into an IP data packet through the payment application program, sends the IP data packet to the Bluetooth module, and encapsulates the IP data packet by the Bluetooth module using a Bluetooth Network Encapsulation Protocol (BNEP), as shown in fig. 3, and sends the IP data packet to the collection device through Bluetooth connection. In fig. 3, IP represents an IP data packet, an IP header represents a header of the IP data packet, and L2CAP and SDP are bluetooth basic protocols and are not described herein again.

Step S160: and the collection device receives the payment account information sent by the mobile terminal.

The payment receiving device receives payment account information sent by a mobile terminal directly connected with the payment receiving device through the direct connection.

When the mobile terminal encapsulates the payment account information into a data packet and then sends the data packet to the payment equipment, the payment equipment de-encapsulates the data packet and obtains the encrypted payment account information. In addition, the receiving device can also obtain the server address in the data packet.

In addition, if the mobile terminal is connected with the collection device through the Bluetooth, and the IP data packet encapsulated by the BNEP protocol is received by the Bluetooth module of the collection device, the IP data packet is decapsulated, and the IP data packet is sent to the corresponding collection processing unit, and the encrypted payment account information in the IP data packet is extracted by the collection processing unit.

Step S170: and the collection device sends the payment account information and the collection information to a server.

The receiving device sends the encrypted payment account information and the self-receiving information to the server, wherein the receiving information can comprise the amount to be paid, the account information of the receiving party and the like.

Specifically, the payment device may package the payment account information and the payment information into a new data packet and send the new data packet to the server through the payment processing unit. During encapsulation, the address of the receiving device is used as a source address of a header of the data packet, the address of the server is used as a destination address of the header, the encapsulated data packet may be an IP data packet, and a format is shown in fig. 4, where in fig. 4, the IP header represents the header of the encapsulated IP data packet. Optionally, the address of the server may be a destination address encapsulated in a data packet sent by the mobile terminal; optionally, the address of the server may also be determined by the payment receiving device according to the server that is connected correspondingly and performs payment receiving.

That is, in the data packet encapsulated by the payment account information and the payment information, the source address is the address of the payment device, and the destination address encapsulation may be the address of the server obtained from the decapsulated data packet.

Step S180: and the server deducts money according to the payment account information and the collection information sent by the collection equipment.

The server can determine an account to be deducted according to the payment account information sent by the collection equipment; and determining the deduction amount and the collected account according to the collection information, so that the deduction operation can be finished.

Specifically, the server may obtain payment account information by decapsulating a data packet sent by the receiving device, where the payment account information is data encrypted by the first public key. The server decrypts the payment account information through the first private key, and can obtain the decrypted payment account information.

Further, in order to ensure the payment safety and prevent the payment receiving account information sent by the payment terminal from not obtaining the payment permission of the user, the server can deduct money under the condition that the user confirms the payment.

Specifically, as shown in fig. 5, in this embodiment of the application, before the server deducts money according to the payment account information and the collection information sent by the collection device, the method may further include:

step S171: and the server encrypts the collection information through the second public key and sends the collection information to the collection equipment.

The mobile terminal may hold a key pair, and define a public key of the key pair as a second public key and a private key of the key pair as a second private key. The mobile terminal may send the second public key to the server when the network is available, and the server stores the second public key.

And the server encrypts the collection information through the second public key and then sends the encrypted collection information to the collection equipment. The payment information may include payment account information, a payment amount, and the like.

Specifically, the server may encapsulate data sent to the receiving device as a data packet, where a destination address of a header of the data packet is an address of the receiving device, and the address may be obtained according to a source address in the data packet sent to the server by the receiving device or according to a destination address in the data packet sent to the server by the receiving device. The source address of the header of the packet is the address of the server itself. Fig. 6 shows a schematic diagram of the format of the server encapsulated IP data packet.

Optionally, as shown in fig. 6, the data sent to the money receiving device may further include a timeout time for informing the user of the mobile terminal that the confirmed time cannot exceed the timeout time.

Step S172: the collection device receives collection information sent by the server.

Step S173: and the money receiving device sends the money receiving information to the mobile terminal through the direct connection.

And after receiving the data sent by the server, the money receiving equipment forwards the data to the mobile terminal.

The packaging form of the data forwarded to the mobile terminal by the money receiving device is in accordance with the connection mode between the money receiving device and the mobile terminal. For example, after receiving a data packet sent by the server, the money receiving device sends the data packet to a bluetooth module of the money receiving device, and the bluetooth module encapsulates the data packet by using a BNEP protocol and forwards the data packet to the mobile terminal through bluetooth.

Step S174: and the mobile terminal receives and displays the collection information which is transmitted to the collection equipment by the server and forwarded by the collection equipment through the direct connection.

And the mobile terminal receives the data forwarded by the collection equipment, obtains collection information and displays the collection information for the user to confirm.

Specifically, the mobile terminal receives collection information which is transmitted to the collection device by the server and is forwarded by the collection device through direct connection, wherein the collection information is data encrypted through a second public key; and decrypting the collection information through the second private key, and displaying the collection information according to the decrypted collection information for the user to confirm. Of course, it can be understood that if the data included in the data sent by the server includes not only the payment information, but also the timeout time, the mobile terminal may obtain the timeout time after decrypting the data.

For example, the bluetooth module of the mobile terminal receives a data packet encapsulated by the BNEP protocol, sends the data packet to the payment application program of the mobile terminal, and the payment application program decrypts the data packet by using the second private key to obtain the data, such as the collection information and the timeout time, encapsulated and sent by the server, and displays the data.

Specifically, when the mobile terminal displays the information, the information of the collection account can be displayed so that the user can confirm the collection party; the amount of the collection may be displayed to allow the user to confirm that the amount to be deducted is correct. In addition, optionally, the data sent by the server further includes a timeout time, and the timeout time may also be displayed to remind the user to confirm the displayed payment information before the timeout time.

Step S175: and if the mobile terminal receives the confirmation operation of the payment receiving information, the mobile terminal feeds back the confirmation information to the payment receiving equipment through the direct connection.

The mobile terminal displays the collection information for user confirmation. If the user confirms that the collection information is correct, the user can perform confirmation operation.

If the mobile terminal receives the confirmation operation of the collection information, the confirmation information can be fed back to the collection device through direct connection, and the confirmation information indicates that the user triggers the operation of confirming that the collection information is correct at the mobile terminal, so that the mobile terminal can deduct money according to the confirmation information through a forwarding indication server of the collection device.

Optionally, in order to prevent Man-in-the-middle attack (MITM attack), if the mobile terminal receives a confirmation operation on the payment information, a timestamp of the confirmation operation is recorded. If the timestamp does not exceed the timeout time, the mobile terminal may send the timestamp and the confirmation information to the money receiving device through the direct connection, so that the forwarding indication server of the money receiving device may determine whether the confirmation information is valid according to the timestamp.

If the timestamp exceeds the timeout time, as an implementation manner, the mobile terminal may send the timestamp and the confirmation information to the money receiving device through the direct connection, so as to determine, by a forwarding indication server of the money receiving device, whether the confirmation information is valid according to the timestamp. The time stamp exceeds the timeout time, which indicates that the trigger time of the user confirmation operation exceeds the timeout time, and the confirmation information is invalid.

If the timestamp exceeds the timeout time, as another implementation, the mobile terminal may feed back identification information with invalid confirmation information to the server, so that when the server receives the confirmation information fed back by the money receiving device, the server determines that the confirmation information is invalid due to the identification information with invalid confirmation information.

Specifically, the mobile terminal may encrypt the confirmation information and/or the timestamp by using the first public key, and then send the encrypted confirmation information and/or timestamp to the money receiving device through the direct connection, so as to forward the confirmation information by using the money receiving device, and instruct the server to decrypt the confirmation information by using the first private key. The mobile terminal can package the encrypted information into a data packet and send the data packet to a Bluetooth module of the mobile terminal, and the data packet is packaged by the Bluetooth module by using a BNEP and then sent to the payment equipment through Bluetooth connection. As shown in fig. 7, the data packet may be an IP data packet, and its format may be the data format shown in fig. 7.

Step S176: the collection device forwards the confirmation information to the server.

The money receiving device receives the confirmation information sent by the mobile terminal and sends the confirmation information to the server. Of course, if the mobile terminal transmits the time stamp, the money receiving apparatus also receives the time stamp and transmits the time stamp to the server.

Specifically, after receiving the data packet encapsulated by the BNEP protocol, the bluetooth module of the payment receiving device decapsulates the data packet therein and sends the data packet to the payment receiving processing unit. The collection processing unit forwards the data packet to the server through the network connection between the collection processing unit and the server.

Step S177: the server receives the confirmation information sent by the money receiving device. If the confirmation information is valid, the step S180 is executed.

The server receives the data sent by the collection device and acquires the confirmation information. And if the confirmation information is valid, the user corresponding to the payment account confirms payment, and the amount corresponding to the collection amount in the collection information is deducted from the payment account corresponding to the payment account information.

The payment account information may be data encrypted by a first public key, and the server decrypts the payment account information by a first private key. Of course, if the data forwarded by the payment receiving device further includes a timestamp, the server may obtain the timestamp after decryption.

Specifically, the server receives a data packet sent by the money receiving device, decrypts the data packet through the first private key, and obtains the confirmation information therein. And if the data packet sent by the money receiving device comprises the time stamp, the server simultaneously obtains the time stamp. The server judges whether the time stamp exceeds the overtime time or not, if not, the time for the user to perform the confirmation operation does not exceed the overtime time, the confirmation information is valid, and the server deducts the money of the payment account corresponding to the payment account information.

If the time stamp exceeds the overtime, the confirmation information in the data packet is invalid, and the server does not deduct the money from the payment account corresponding to the payment account information. Correspondingly, the deduction failure can be fed back to the money receiving device and the mobile terminal.

Optionally, if the data packet forwarded by the receiving device does not include the timestamp but includes identification information indicating that the confirmation information is invalid, it is determined that the confirmation information in the data packet is invalid, and the server does not deduct the payment account corresponding to the payment account information.

Further, in the embodiment of the application, after the server deducts money successfully, the deduction result can be fed back to the collection device and the mobile terminal.

In one embodiment, the data transmitted to the receiving device for notifying the receiving device of the deduction information may include the deduction amount, the name of the payer, and the like. And the money receiving equipment displays the deduction result after receiving the deduction result. And for the deduction result sent to the mobile terminal, the deduction result can be encrypted through the second public key and then packaged into a data packet, the data packet is sent to the payment receiving equipment, and the payment receiving equipment forwards the data packet to the mobile terminal through direct connection. And the mobile terminal decrypts the data packet through the second private key, and obtains and displays a deduction result in the data packet. The deduction result sent to the mobile terminal may include data such as the deduction amount and the account name of the payee. The display of the mobile terminal may be implemented by a payment application.

As another embodiment, the server may feed back a deduction result to the receiving device, the deduction result may include the deduction amount and the receiving party information, and the deduction result is not encrypted by the second public key pair. The money receiving device receives the deduction result, displays information such as the deduction amount and the like, and sends the deduction result to the mobile terminal through direct connection. And the mobile terminal displays the deduction result after receiving the deduction result.

In the embodiment of the application, in a payment state, if the mobile terminal is unavailable through a network, the payment account information is forwarded to the server through the collection device, the collection device simultaneously sends the collection information to the server, and the server deducts money according to the collection information sent by the collection device and the forwarded payment account information.

Fig. 8 illustrates the interaction of the mobile terminal, the checkout device, and the server in one particular embodiment. Referring to fig. 8, the offline payment method provided in this embodiment is described with a bluetooth connection as a direct connection between the mobile terminal and the payment receiving device, and includes:

step S201: when the network of the mobile terminal is available, the server sends a first public key to the mobile terminal and holds a first private key; and the mobile terminal sends the second public key to the server and holds the second private key.

Step S202: in the payment state, it is determined whether a network of the mobile terminal is available.

Step S203: and if the network is unavailable, the mobile terminal enters an offline payment mode.

Step S204: the mobile terminal provides a two-dimensional code including identification information including a bluetooth mac address and a password value required when establishing a bluetooth connection.

Step S205: the checkout device scans the two-dimensional code.

Step S206: and the money receiving equipment establishes Bluetooth connection with the mobile terminal according to the identification information obtained by scanning the two-dimensional code.

Step S207: and the mobile terminal encrypts the payment account information by using the first public key and encapsulates the payment account information into an IP data packet.

Step S208: the mobile terminal encapsulates the IP data packet by using a BNEP protocol and sends the IP data packet to the payment equipment through Bluetooth.

Step S209: the collection device unpacks the IP data packet, extracts the encrypted payment account information, and packages the collection information and the encrypted payment account information into a new IP data packet.

Step S210: the money receiving device sends the IP data packet to the server through network connection.

Step S211: the server acquires the collection information and the payment account information from the IP data packet sent by the collection device, and decrypts the payment account information through the first private key.

Step S212: and the server encrypts the collection information and the overtime time through the second public key and encapsulates the collection information and the overtime time into an IP data packet.

Step S213: the server sends the IP data packet to the cash register.

Step S214: the IP data packet is packaged by the money receiving equipment through a BNEP protocol and then forwarded to the mobile terminal through Bluetooth connection.

Step S215: and the mobile terminal de-encapsulates the IP data packet, decrypts the collection information and the overtime time by using a second private key, and displays the collection information and the overtime time.

Step S216: the mobile terminal receives the confirmation operation of the user and records the time stamp information of the confirmation operation.

Step S217: and the mobile terminal encrypts the confirmation information and the timestamp information corresponding to the confirmation operation by using the first public key and then encapsulates the information into an IP data packet.

Step S218: and the mobile terminal encapsulates the IP data packet by using a BNEP protocol and then sends the IP data packet to the collection equipment through a Bluetooth connection.

Step S219: and the collection equipment unpacks the IP data packet to obtain the IP data packet.

Step S220: the money receiving device forwards the IP data packet to the server.

Step S221: and the server decrypts the confirmation information and the time stamp information in the data packet through the first private key. And if the confirmation information is determined to be valid according to the timestamp information, deducting according to the payment account information and the collection information.

Step S222: and packaging the deduction result into an IP data packet and sending the IP data packet to the collection equipment.

Step S223: and the money receiving equipment displays the money deduction result.

Step S224: the money receiving device sends the IP data packet to the mobile terminal through the Bluetooth connection.

Step S225: and the mobile terminal acquires and displays the deduction result from the IP data packet.

Specific execution of each step in the embodiments of the present application may refer to the foregoing embodiments, and details are not described in the embodiments of the present application.

The embodiment of the application also provides an offline payment method, which is applied to the mobile terminal. Referring to fig. 9, the method includes:

step S310: in the payment state, it is determined whether a network of the mobile terminal is available.

Step S320: if the network is unavailable, a direct connection is established with the money receiving device based on the short-distance wireless communication technology.

Step S330: after the payment account information is encrypted, the payment account information is sent to the collection device through the direct connection, so that the collection device is instructed to send the payment account information and the collection information to a server for deduction.

The mobile terminal determines whether the network is available in a payment state to select different payment strategies according to the availability or unavailability of the network.

If the network is available, the mobile terminal normally communicates with the server through the available mobile data network or the wireless local area network to pay.

And if the network of the mobile terminal is unavailable, establishing direct connection with the collection device based on the short-distance wireless communication technology so as to send the payment account information to the server for payment through the forwarding of the collection device. Specifically, after encrypting the payment account information, the mobile terminal sends the encrypted payment account information to the payment device through direct connection so as to instruct the payment device to forward the payment account information to the server for payment, thereby realizing electronic payment of the mobile terminal in a state without network availability.

The steps executed by the mobile terminal in the embodiment of the present application can specifically refer to the foregoing embodiments, and are not described herein again.

The embodiment of the application also provides an off-line payment method which is applied to the money collecting equipment. As shown in fig. 10, the method includes:

step S410: and entering an offline payment mode based on a preset trigger mode.

Step S420: and establishing a direct connection with the mobile terminal based on the short-range wireless communication technology.

Step S430: and receiving payment account information sent by the mobile terminal.

Step S440: and sending the payment account information and the collection information to a server.

When the mobile terminal is not available in a network in a payment state, the mobile terminal needs to be matched with a money receiving device and starts an off-line payment mode to complete payment. The method comprises the steps that a preset trigger mode can be provided when the collection device enters an off-line payment mode, when the collection device receives the preset trigger mode, the fact that the mobile terminal needs to pay under the condition that no network is available is shown, and the collection device is directly connected with the mobile terminal.

The payment device receives the payment account information sent by the mobile terminal through the direct connection, sends the payment account information and the collection information to the server, and the server deducts money, so that electronic payment of the mobile terminal in a state of no network availability is realized.

In the embodiment of the present application, each step performed by the cash register may specifically refer to the foregoing embodiment, and is not described herein again.

The embodiment of the application also provides an offline payment method which is applied to the server. As shown in fig. 11, the method includes:

step S510: receiving payment account information and collection information sent by collection equipment, wherein the payment account information is data encrypted through a first public key.

Step S520: and decrypting the payment account information through a first private key, wherein the first private key and the first public key are a key pair.

Step S530: and deducting according to the payment information and the decrypted payment account information.

In the off-line payment mode, the payment account information and the collection information received by the server are both sent by the collection device. In order to ensure the security of the data, the payment account information sent by the mobile terminal to the collection device for forwarding can be encrypted by the first public key. The server decrypts the payment account information with the first private key so that the payment account information is only known to the server.

And the server deducts money according to the collection information and the decrypted payment account information, so that the electronic payment of the mobile terminal under the state of no network availability is realized.

The embodiment of the application further provides an offline payment device 600, which is applied to a mobile terminal. Referring to fig. 12, the apparatus 600 includes: a network confirmation module 610 for determining whether a network of the mobile terminal is available in a payment state; the direct connection module 620 is used for establishing direct connection with the money receiving equipment based on the short-distance wireless communication technology if the network is unavailable; the information sending module 630 is configured to send the encrypted payment account information to the collection device through the direct connection, so as to instruct the collection device to send the payment account information and the collection information to the server for deduction.

Optionally, the information sending module 630 may be configured to send the payment account information to the receiving device through the direct connection after being encrypted by the first public key, so as to instruct the receiving device to send the payment account information and the receiving information to the server for deduction, and instruct the server to decrypt the payment account information through the first private key by forwarding through the receiving device, where the mobile terminal stores the first public key acquired from the server when the network is available, and the first public key and the first private key are a key pair.

Optionally, the information sending module 630 is configured to encrypt the payment account information by using the first public key, and send the encrypted payment account information to the payment receiving apparatus by using the direct connection, and may include: the system comprises a first public key, a second public key and a server, wherein the first public key is used for encrypting the payment account information and then packaging the payment account information into a data packet, a header destination address in the data packet is packaged as an address of the server, and a source address is packaged to be null; and sending the data packet to the cash register device through the direct connection.

Optionally, the apparatus 600 may further include an information receiving module 640, configured to receive and display the payment information, forwarded by the payment receiving device through the direct connection, sent by the server to the payment receiving device. The information sending module 630 may be further configured to, if a confirmation operation of the payment information is received, feed back confirmation information to the payment receiving device through the direct connection, so as to instruct the payment receiving device to forward the confirmation information to the server.

Optionally, the information receiving module 640 may be configured to receive the payment information, which is forwarded by the payment apparatus through the direct connection and sent to the payment apparatus by the server, where the payment information is data encrypted by a second public key, and the second public key is sent to the server by the mobile terminal when the network is available; decrypting the collection information through a second private key, wherein the second public key and the second private key are a key pair; displaying according to decrypted payment information for user confirmation

Optionally, the information sending module 630 is configured to feed back confirmation information to the money receiving device, and may include recording a timestamp of the confirmation operation if the confirmation operation on the money receiving information is received; and sending the timestamp and the confirmation information to the money receiving equipment through the direct connection so as to judge whether the confirmation information is valid or not through a forwarding indication server of the money receiving equipment according to the timestamp.

Optionally, the information sending module 630 may be configured to send the encrypted confirmation information to the money receiving device through the direct connection after the confirmation information is encrypted by the first public key, so as to forward the confirmation information through the money receiving device, and instruct the server to decrypt the confirmation information through the first private key.

Optionally, the direct connection module 620 may be configured to provide identification information for establishing a direct connection based on a short-range wireless communication technology, so that the payment receiving device establishes a direct connection based on a short-range wireless communication technology with the mobile terminal according to the identification information; establishing a direct connection with the checkout device.

Optionally, the direct connection module 620 is configured to provide identification information for direct connection based on a short-range wireless communication technology, and may include: and generating a two-dimensional code of the coded information including the identification information.

The embodiment of the application further provides an offline payment device 700 applied to a cash collecting device. Referring to fig. 13, the apparatus 700 includes: the starting module 710 is configured to enter an offline payment mode based on a preset trigger manner; a direct connection module 720, configured to establish a direct connection with the mobile terminal based on a short-range wireless communication technology; the information receiving module 730 is used for receiving payment account information sent by the mobile terminal; and an information sending module 740, configured to send the payment account information and the collection information to a server.

Optionally, the information sending module 740 may be configured to decapsulate the data packet, and obtain an address of the server and encrypted payment account information therein; and packaging the encrypted payment account information and the encrypted collection information into a data packet and then sending the data packet to a server, wherein the destination address in the data packet is packaged into the address of the server obtained from the unpackaged data packet, and the source address is the address of the collection equipment.

Optionally, the apparatus may further include another information receiving module, configured to receive the payment receiving information sent by the server; and the other information sending module is used for sending the collection information to the mobile terminal through the direct connection and indicating the mobile terminal to confirm.

The embodiment of the present application further provides an offline payment apparatus 800, which is applied to a server. Referring to fig. 14, the apparatus 800 includes: the information receiving module 810 is configured to receive payment account information and collection information sent by a collection device, where the payment account information is data encrypted by a first public key; a decryption module 820, configured to decrypt the payment account information through a first private key, where the first private key and the first public key are a key pair; and the deduction module 830 is configured to deduct money according to the collection information and the decrypted payment account information.

Optionally, the apparatus 800 may further include a confirmation module, configured to encrypt the collection information with a second public key, and send the collection information to the collection device, so as to instruct the collection device to forward the encrypted collection information to the mobile terminal; and receiving confirmation information sent by the money receiving device. And if the confirmation information is valid, the deduction module 830 is configured to deduct money according to the collection information and the decrypted payment account information.

In the embodiment of the application, in the payment state, if the mobile terminal has no network connection, the payment receiving device can be used as a relay, and the payment account information is forwarded to the server through the payment receiving device. And the server deducts money according to the collection information sent by the collection equipment and the payment account information forwarded by the collection equipment, so that the electronic payment when the mobile terminal is not connected with the network is realized.

It will be clear to those skilled in the art that, for convenience and brevity of description, the various method embodiments described above may be referred to one another; the various embodiments of each method embodiment may also be referred to one another. For the specific working processes of the above-described devices and modules, reference may be made to corresponding processes in the foregoing method embodiments, which are not described herein again.

In the several embodiments provided in the present application, the coupling between the modules may be electrical, mechanical or other type of coupling.

In addition, functional modules in the embodiments of the present application may be integrated into one processing module, or each of the modules may exist alone physically, or two or more modules are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode.

Referring to fig. 15, a block diagram of an electronic device 900 according to an embodiment of the present disclosure is shown. The electronic device 900 may be a mobile terminal, a checkout device, or a server. The electronic device includes one or more processors 910 (only one of which is shown), memory 920, and one or more programs. Wherein the one or more programs are stored in the memory 920 and configured to be executed by the one or more processors 910. The one or more programs are configured to perform the methods described in the foregoing embodiments.

Processor 910 may include one or more processing cores. The processor 910 interfaces with various components throughout the electronic device 900 using various interfaces and circuitry to perform various functions of the electronic device 900 and process data by executing or executing instructions, programs, code sets, or instruction sets stored in the memory 920 and invoking data stored in the memory 920. Alternatively, the processor 910 may be implemented in hardware using at least one of Digital Signal Processing (DSP), Field-Programmable Gate Array (FPGA), and Programmable Logic Array (PLA). The processor 910 may integrate one or more of a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), a modem, and the like.

The Memory 920 may include a Random Access Memory (RAM) or a Read-Only Memory (Read-Only Memory). The memory 920 may be used to store instructions, programs, code sets, or instruction sets. The memory 920 may include a program storage area and a data storage area, wherein the program storage area may store instructions for implementing an operating system, instructions for implementing at least one function, instructions for implementing the various method embodiments described above, and the like. The storage data area may also be data created by the server in use, and the like.

Referring to fig. 16, a block diagram of a computer-readable storage medium according to an embodiment of the present application is shown. The computer-readable storage medium 940 has stored therein program code that can be called by a processor to execute the methods described in the above-described method embodiments.

The computer-readable storage medium 940 may be an electronic memory such as a flash memory, an EEPROM (electrically erasable programmable read only memory), an EPROM, a hard disk, or a ROM. Alternatively, the computer-readable storage medium 940 includes a non-volatile computer-readable storage medium. The computer readable storage medium 940 has storage space for program code 941 to perform any of the method steps described above. The program code can be read from or written to one or more computer program products. Program code 941 may be compressed, for example, in a suitable form.

Finally, it should be noted that: the above embodiments are only used to illustrate the technical solutions of the present application, and not to limit the same; although the present application has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not necessarily depart from the spirit and scope of the corresponding technical solutions in the embodiments of the present application.

Claims

An off-line payment method is applied to a mobile terminal, and comprises the following steps:

determining whether a network of the mobile terminal is available in a payment state;

if the network is unavailable, establishing direct connection with the money receiving equipment based on the short-distance wireless communication technology;

after the payment account information is encrypted, the payment account information is sent to the collection device through the direct connection, so that the collection device is instructed to send the payment account information and the collection information to a server for deduction.
The method of claim 1,

after the payment account information is encrypted, the payment account information is sent to the collection device through the direct connection, and the method comprises the following steps:

and after the payment account information is encrypted through a first public key, the payment account information is sent to the collection equipment through the direct connection so as to be used for indicating the collection equipment to send the payment account information and the collection information to a server for deduction, and indicating the server to decrypt the payment account information through a first private key through the forwarding of the collection equipment, wherein the mobile terminal stores the first public key acquired from the server when a network is available, and the first public key and the first private key are a key pair.
The method as claimed in claim 2, wherein the sending the payment account information to the payment receiving device through the direct connection after the encryption of the first public key comprises:

encrypting the payment account information through the first public key, and then packaging the payment account information into a data packet, wherein a head destination address in the data packet is packaged as an address of the server, and a source address is packaged to be null;

and sending the data packet to the cash register device through the direct connection.
The method as claimed in claim 2 or 3, wherein after the payment account information is encrypted and sent to the payment apparatus through the direct connection, further comprising:

receiving and displaying the collection information which is transmitted to the collection equipment by the server and forwarded by the collection equipment through the direct connection;

and if the confirmation operation of the payment receiving information is received, feeding back confirmation information to the collection equipment through the direct connection so as to instruct the collection equipment to forward the confirmation information to the server.
The method of claim 4,

the receiving and displaying of the collection information transmitted by the collection device through the direct connection and forwarded by the server includes:

receiving collection information which is transmitted to the collection equipment by the server and forwarded by the collection equipment through the direct connection, wherein the collection information is data encrypted through a second public key, and the second public key is transmitted to the server by the mobile terminal when a network is available;

decrypting the collection information through a second private key, wherein the second public key and the second private key are a key pair;

and displaying according to the decrypted payment information for user confirmation.
The method according to claim 4 or 5, wherein the feeding back confirmation information to the payment receiving device through the direct connection if the confirmation operation of the payment receiving information is received comprises:

if the confirmation operation of the payment receiving information is received, recording a time stamp of the confirmation operation;

and sending the timestamp and the confirmation information to the money receiving equipment through the direct connection so as to judge whether the confirmation information is valid or not through a forwarding indication server of the money receiving equipment according to the timestamp.
The method of claim 4 or 5, wherein feeding back confirmation information to the checkout device via the direct connection comprises:

after the confirmation information is encrypted through the first public key, the confirmation information is sent to the money receiving equipment through the direct connection so as to be used for forwarding the confirmation information through the money receiving equipment and indicating the server to decrypt the confirmation information through the first private key.
The method of any one of claims 1-7, wherein establishing the direct connection with the payment device based on the short-range wireless communication technology comprises:

providing identification information for establishing direct connection based on a short-range wireless communication technology, so that the money receiving equipment can establish direct connection based on the short-range wireless communication technology with the mobile terminal according to the identification information;

establishing a direct connection with the checkout device.
The method of any of claim 8, wherein providing identification information for direct connection based on short-range wireless communication technology comprises:

and generating a two-dimensional code of the coded information including the identification information.
Method according to any of claims 1-8, characterized in that the direct connection based on short-range wireless communication technology is a Bluetooth connection.
An off-line payment method is applied to a money receiving device, and comprises the following steps:

entering an offline payment mode based on a preset trigger mode;

establishing direct connection with the mobile terminal based on a short-distance wireless communication technology;

receiving payment account information sent by a mobile terminal;

and sending the payment account information and the collection information to a server.
The method of claim 11, wherein the received payment account information is encrypted and encapsulated in a data packet,

the sending the payment account information and the collection information to a server includes:

decapsulating the data packet, and acquiring an address of a server and encrypted payment account information therein;

and packaging the encrypted payment account information and the encrypted collection information into a data packet and then sending the data packet to a server, wherein the destination address in the data packet is packaged into the address of the server obtained from the unpackaged data packet, and the source address is the address of the collection equipment.
The method of claim 11, further comprising:

receiving collection information sent by a server;

and sending the collection information to the mobile terminal through the direct connection for indicating the mobile terminal to confirm.
An off-line payment method, applied to a server, the method comprising:

receiving payment account information and collection information sent by collection equipment, wherein the payment account information is data encrypted by a first public key;

decrypting the payment account information by a first private key, wherein the first private key and the first public key are a key pair;

and deducting according to the payment information and the decrypted payment account information.
The method as claimed in claim 14, wherein the server stores a second public key sent by the mobile terminal in a state that the network is available, and before the deduction according to the collection information and the decrypted payment account information, the method further comprises:

encrypting the collection information through a second public key, and sending the collection information to the collection equipment so as to instruct the collection equipment to forward the encrypted collection information to the mobile terminal;

receiving confirmation information sent by the money receiving equipment;

and if the confirmation information is valid, executing deduction according to the collection information and the decrypted payment account information.
An off-line payment device, applied to a mobile terminal, the device comprising:

the network confirmation module is used for determining whether the network of the mobile terminal is available or not in the payment state;

the direct connection module is used for establishing direct connection with the money receiving equipment based on the short-distance wireless communication technology if the network is unavailable;

and the information sending module is used for sending the encrypted payment account information to the collection equipment through the direct connection so as to indicate the collection equipment to send the payment account information and the collection information to the server for deduction.
An off-line payment device, applied to a payment receiving device, the device comprising:

the starting module is used for entering an offline payment mode based on a preset triggering mode;

the direct connection module is used for establishing direct connection with the mobile terminal based on a short-distance wireless communication technology;

the information receiving module is used for receiving payment account information sent by the mobile terminal;

and the information sending module is used for sending the payment account information and the collection information to a server.
An off-line payment device, applied to a server, the device comprising:

the information receiving module is used for receiving payment account information and collection information sent by collection equipment, wherein the payment account information is data encrypted by a first public key;

the decryption module is used for decrypting the payment account information through a first private key, wherein the first private key and the first public key are a key pair;

and the deduction module is used for deducting money according to the collection information and the decrypted payment account information.
An electronic device, comprising:

one or more processors;

a memory;

one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs configured to perform the method of any of claims 1-10; or

The one or more programs configured to perform the method of any of claims 11-13; or

The one or more programs are configured to perform the method of any of claims 14-15.
A computer-readable storage medium, having stored therein program code that can be invoked by a processor to perform the method of any one of claims 1-10; or

The program code being invokable by a processor to perform the method according to any of claims 11 to 13; or

The program code being invokable by a processor for performing the method according to claim 14 or 15.