CN113673974A - Electronic currency off-line transaction method and transaction device - Google Patents
Electronic currency off-line transaction method and transaction device Download PDFInfo
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- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The invention provides an electronic money offline transaction method and a transaction device, and the electronic money offline transaction method comprises the following steps: the uniqueness of the information of the payment/receipt party is written; verifying identity information of a payee and a payer; establishing and connecting a local area network; prepayment and input of payment amount; the method comprises the steps of inputting and verifying payment receiving data, writing unique identity information of a payee and a payer into equipment, connecting the payment and the payee equipment to the same local area network for data exchange through the establishment of the local area network in a network-free environment, generating borrowing data during payment and storing the borrowing data in an anti-tampering unit, deducting pre-paid money from an online payment platform or a bank card after the equipment is connected with the network, and carrying out payment on electronic money in a pre-paid mode, so that transaction in an electronic money offline state is realized, and the condition that the electronic money cannot be paid in the network-free environment is avoided.
Description
Technical Field
The invention relates to the field of electronic money offline transaction, in particular to an electronic money offline transaction method and a transaction device.
Background
Electronic money is a quick payment service which is converted from an issuer by cash or deposit with a certain amount of money and obtains data representing the same amount of money or is pushed out by a bank and a third party, and the balance in the bank is transferred by using certain electronization ways, so that the transaction can be carried out, along with the rapid development of electronic commerce, the popularization of a mobile phone APP promotes the development of online payment, and the current online transaction has two main forms: the online transaction of both parties and the online transaction of one party require that both parties of the payment and receipt are connected with the Internet at the same time, the payment is initiated by the payment party, and then the receipt is confirmed by the collection party. For example: red envelope, transfer account, etc., and the unilateral online transaction requires that at least one party of the two parties of the payment and receipt is connected with the internet. For example: code scanning payment, face payment and the like; the two payment modes can be carried out only in the environment of connecting with a network, and when the wireless communication equipment is damaged by poor signals or natural disasters in the network-free environment, the electronic money cannot be paid, so that certain defects exist.
In view of the above, the present invention is particularly proposed.
Disclosure of Invention
In view of the above, the invention discloses an electronic money offline transaction method and a transaction device, which achieve the purpose of transaction in the electronic money offline state by writing the unique identity information of a payee and a payer into equipment, connecting payment and the payee equipment to the same local area network through the establishment of the local area network to exchange data under the condition of no network environment, generating borrowing data during payment and storing the borrowing data in a tamper-proof unit, deducting the pre-paid money from an online payment platform or a bank card after the equipment is connected with the network, and performing the payment of the electronic money in a 'pre-payment' mode, thereby realizing the transaction in the electronic money offline state and avoiding the condition that the electronic money cannot be paid under the condition of no network environment.
Specifically, the invention is realized by the following technical scheme:
in a first aspect, the invention discloses an electronic money offline transaction method, which comprises the following steps:
the uniqueness of the information of the payment/receipt party is written; only one piece of collection and payment identity information can be written in the same intelligent device, when the identity information of a payee and the identity information of a payer are written, the serial number of the device needs to be read and verified through mobile phone short messages and bank card information, when the identity information of the payee and the identity information of the payer are written, login passwords, payment passwords, fingerprint information and face information need to be input, one part of the input login passwords, payment passwords, fingerprint information and face information data is stored in a cloud server in a hash encryption distribution storage mode, one part of the input login passwords, payment passwords, fingerprint information and face information data is stored in an anti-tampering unit of the intelligent device in an encryption mode, after the identity information of the payee and the identity information is written in, the identity information needs to be bound with at least one online payment platform in a payment treasure, a WeChat wallet and a cloud flash payment to be bound with a bank card or a bank card under a network environment, a prepayment protocol is formed, a prepayment wallet is generated, after the prepayment wallet is generated, the single maximum prepayment amount can be set, meanwhile, a money can be transferred from the bound online payment platform or bank card to the prepayment wallet, when the balance in the online payment platform or bank card is less than the money transferred to the prepayment wallet, the transfer fails, when the money in the prepayment wallet is zero, the payment amount data is generated into debit data and stored in the tamper-proof unit, when the device enters the online environment, the debit data in the tamper-proof unit is directly transmitted to the bound online payment platform or bank payment system, the online payment platform or bank payment system sends out reminding information, a person inputs the online payment platform or bank card password to deduct the prepayment money from the online payment platform or bank card, when the device of the payee enters the online environment, the payment data in the tamper-proof unit is directly sent to the bound online payment platform or the bank payment system, and the payee receives the payment password and extracts the amount of money to the bound online payment platform or the bank card;
verifying identity information of a payee and a payer; when the identity information of the payee and the payer is verified, any two or more of a digital password, fingerprint identification and face identification are adopted for verification;
the establishment and connection of the local area network, the payee or the payee uses the intelligent device to initiate the local area network, and the other party keys in the local area network password to connect, so that the two intelligent devices are under the same local area network:
prepayment and input of payment amount, wherein a payer inputs the payment amount and then generates the payment amount, payment amount data is cached in the anti-tampering unit, then the payer inputs a payment password and verifies identity information again, when the balance is insufficient, the payment amount data can generate debit data to be stored in the anti-tampering unit, a payee generates a payment page screenshot after successful payment and stores the payment page screenshot in the anti-tampering unit, payment date, amount and payee detailed information are stored in the anti-tampering unit, a payee generates a payee successful screenshot after successful collection, the screenshot is stored in the anti-tampering unit, and the payee date, amount and payee detailed information are stored in the anti-tampering unit;
inputting and verifying receipt and payment data; the method comprises the steps that a payee inputs the amount to be paid by a payer and the name of the payer, the payer inputs a payment password and verifies identity information again successfully, data are transmitted to intelligent equipment of the payee through a local area network, the intelligent equipment of the payee compares the data of the payer with the amount to be paid by the payer and the name of the payer input by the payee, and if the data information is completely the same, the payment is successful, and if the data information is different, the payment is failed.
In a second aspect, the invention discloses a device for an electronic money offline transaction method, comprising:
a fingerprint input module; the fingerprint information input and payment verification device is used for inputting fingerprint information of a payee and a payer and verifying the fingerprint information during payment;
a touch screen; the input and display of the text information and the input of the payment amount are used;
a face input module; the face information input device is used for inputting face information of a payee and a payer and verifying the face information during payment;
a communication module; the communication module comprises a network transmission module; a connection for a network; a local area network communication module; the method is used for establishing the local area network when the two devices are in an off-line state, for exchanging data between the devices,
a tamper-proof unit; the tamper-proof unit contains an encryption module and a storage module and is used for encrypting and storing data of the equipment;
a processor; for processing and computing of device data;
a payment receiving module; the system is used for reading, analyzing and processing collection and payment data;
further comprising a memory and a computer program stored on the memory and executable on a processor, the processor when executing the program implementing the steps of the electronic money offline transaction method according to any one of claims 1 to 4.
In summary, the method and the device for off-line transaction of electronic money provided by the invention have the advantages that the unique identity information of the payee and the payer is written into the device, the payment and the payee devices are connected to the same local area network for data exchange through the establishment of the local area network in a network-free environment, a borrowing data is generated during payment and stored in the tamper-proof unit, after the device is connected to the network, the pre-paid money can be deducted from an on-line payment platform or a bank card, and the electronic money is paid in a pre-paid mode, so that the transaction in an off-line state of the electronic money is realized, and the condition that the electronic money cannot be paid in the network-free environment is avoided.
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Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
FIG. 1 is a flow chart of an off-line transaction method for electronic money according to an embodiment of the present invention;
FIG. 2 is a schematic view of an off-line transaction apparatus for electronic money according to an embodiment of the present invention;
fig. 3 is a logic architecture diagram of an electronic money offline transaction apparatus according to an embodiment of the present invention.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the exemplary embodiments below are not intended to represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.
The terminology used in the present disclosure is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. As used in this disclosure and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.
It is to be understood that although the terms first, second, third, etc. may be used herein to describe various information, such information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, first information may also be referred to as second information, and similarly, second information may also be referred to as first information, without departing from the scope of the present disclosure. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.
Fig. 1 is a diagram illustrating an electronic money offline transaction method according to an embodiment of the present invention, and fig. 1 shows the electronic money offline transaction method according to the present invention, which includes the following steps:
s1, writing the uniqueness of the information of the payment/receipt party; when the information of the payee/payer is written, the equipment code of the intelligent equipment and the identification information of the payee and the payer are required to be read firstly; when the identity information of the payee and the payer is verified, any two or more of a digital password, fingerprint identification and face identification are combined for verification, the identity information data is stored in a storage module of the equipment in an encrypted manner and is stored in a cloud server in a hash distribution manner, and only one piece of collection and payment identity information can be written into the same intelligent equipment;
s2, establishing and connecting a local area network; the payee or the payee initiates a local area network by using the intelligent equipment of the payee or the payee, and the other party keys in a local area network password for connection, so that the two intelligent equipment are positioned under the same local area network;
s3, prepayment and input of payment amount; the payment method comprises the following steps that a payer inputs payment amount and generates the payment amount, payment amount data are cached in the anti-tampering unit, then the payer inputs a payment password and verifies identity information again, and when the balance is insufficient, the payment amount data can generate debit data to be stored in the anti-tampering unit:
s4, inputting and verifying receipt and payment data; the method comprises the steps that a payee inputs the amount to be paid by a payer and the name of the payer, the payer inputs a payment password and verifies identity information again successfully, data are transmitted to intelligent equipment of the payee through a local area network, the intelligent equipment of the payee compares the data of the payer with the amount to be paid by the payer and the name of the payer input by the payee, and if the data information is completely the same, the payment is successful, and if the data information is different, the payment is failed.
The unique identity information of the payee and the payer is written into the equipment, and the payment and the cash receiving equipment are connected to the same local area network through the establishment of the local area network to exchange data under the condition of no network, so that the aim of transaction in an off-line state of the electronic money is fulfilled.
Preferably, in the step S1, when the payee identity information and the payer identity information are written, the device serial number needs to be read and verified through the mobile phone short message and the bank card information, when the payee identity information and the payer identity information are written, the login password, the payment password, the fingerprint information and the face information need to be entered, one part of the entered login password, the payment password, the fingerprint information and the face information data is stored in the cloud server in a hash encryption distribution manner, so as to avoid the possibility of stealing and tampering the identity information, one part is stored in the anti-tampering unit of the smart device in an encrypted manner, after the payee identity information and the payer identity information are written, the payee identity information and the payer identity information are bound with at least one online payment platform in the payroll, the wechat wallet and the cloud flash payment, a prepayment protocol is formed, a prepayment wallet is generated, after the prepayment wallet is generated, the single maximum prepayment amount can be set, meanwhile, a money can be transferred from the bound online payment platform or bank card to the prepayment wallet, when the balance in the online payment platform or bank card is less than the money transferred to the prepayment wallet, the money transfer fails, when the money in the prepayment wallet is zero, the payment amount data is generated into borrowing data which is stored in the anti-tampering unit, when the device enters the online environment, the borrowing data in the anti-tampering unit is directly sent to the bound online payment platform or bank payment system, the online payment platform or bank payment system sends out reminding information, a person inputs the online payment platform or bank card password to deduct the prepayment money from the online payment platform or bank card, when the device of a payee enters the online environment, and the payment data in the tamper-proof unit is directly sent to the bound online payment platform or the bank payment system, and the payee receives the payment password and extracts the amount of money to the bound online payment platform or the bank card.
Fig. 2 is a schematic structural diagram of an electronic money offline transaction apparatus according to the present invention. Referring to fig. 2, an electronic money offline transaction apparatus includes a fingerprint input module; the fingerprint information input and payment verification device is used for inputting fingerprint information of a payee and a payer and verifying the fingerprint information during payment;
a touch screen; the input and display of the text information and the input of the payment amount are used;
a face input module; the face information input device is used for inputting face information of a payee and a payer and verifying the face information during payment;
a communication module; the communication module comprises a network transmission module; a connection for a network; a local area network communication module; the method is used for establishing the local area network when the two devices are in an off-line state, for exchanging data between the devices,
a tamper-proof unit; the tamper-proof unit is internally provided with an encryption module and a storage module and used for encrypting and storing data of equipment, a payment page screenshot is generated and stored in the tamper-proof unit after a payee pays successfully, payment date, amount and detailed payee information are stored in the tamper-proof unit, a payee successful screenshot is generated after the payee pays successfully, the screenshot is stored in the tamper-proof unit, and the payee date, the amount and the detailed payee information are stored in the tamper-proof unit;
a processor; for processing and computing of device data;
a payment receiving module; for the collection, reading of payment data, analysis and processing, and also comprising a memory and a computer program stored on the memory and executable on a processor, the steps of the electronic money offline transaction method being implemented when the program is executed by the processor, the processor and the memory being supplemented by, or incorporated in, dedicated logic circuitry.
For the above-mentioned apparatus embodiments, since they basically correspond to the method embodiments, reference may be made to the partial description of the method embodiments for relevant points. The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the disclosed solution. One of ordinary skill in the art can understand and implement it without inventive effort.
Finally, it should be noted that: while this specification contains many specific implementation details, these should not be construed as limitations on the scope of any invention or of what may be claimed, but rather as descriptions of features specific to particular embodiments of particular inventions. Certain features that are described in this specification in the context of separate embodiments can also be implemented in combination in a single embodiment. In other instances, features described in connection with one embodiment may be implemented as discrete components or in any suitable subcombination. Moreover, although features may be described above as acting in certain combinations and even initially claimed as such, one or more features from a claimed combination can in some cases be excised from the combination, and the claimed combination may be directed to a subcombination or variation of a subcombination.
Similarly, while operations are depicted in the drawings in a particular order, this should not be understood as requiring that such operations be performed in the particular order shown or in sequential order, or that all illustrated operations be performed, to achieve desirable results. In some cases, multitasking and parallel processing may be advantageous. Moreover, the separation of various system modules and components in the embodiments described above should not be understood as requiring such separation in all embodiments, and it should be understood that the described program components and systems can generally be integrated together in a single software product or packaged into multiple software products.
Thus, particular embodiments of the subject matter have been described. Other embodiments are within the scope of the following claims. In some cases, the actions recited in the claims can be performed in a different order and still achieve desirable results. Further, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some implementations, multitasking and parallel processing may be advantageous.
The above description is only exemplary of the present disclosure and should not be taken as limiting the disclosure, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present disclosure should be included in the scope of the present disclosure.
Claims (10)
1. An electronic money offline transaction method is characterized by comprising the following steps:
the uniqueness of the information of the payment/receipt party is written; when the information of the payee/payer is written, the equipment code of the intelligent equipment and the identification information of the payee and the payer are required to be read firstly; when the identity information of the payee and the payer is verified, any two or more of a digital password, fingerprint identification and face identification are combined for verification, the identity information data is stored in a storage module of the equipment in an encrypted manner and is stored in a cloud server in a hash distribution manner, and only one piece of collection and payment identity information can be written into the same intelligent equipment;
establishing and connecting a local area network; the payee or payee uses the intelligent device to initiate the local area network, and the other party keys in the local area network password to connect, so that the two intelligent devices are under the same local area network:
prepayment and input of payment amount; the payment method comprises the steps that a payer inputs payment amount and generates the payment amount, payment amount data are cached in an anti-tampering unit, then the payer inputs a payment password and verifies identity information again, and when the balance is insufficient, the payment amount data can generate debit data to be stored in the anti-tampering unit;
inputting and verifying receipt and payment data; the method comprises the steps that a payee inputs the amount to be paid by a payer and the name of the payer, the payer inputs a payment password and verifies identity information again successfully, data are transmitted to intelligent equipment of the payee through a local area network, the intelligent equipment of the payee compares the data of the payer with the amount to be paid by the payer and the name of the payer input by the payee, and if the data information is completely the same, the payment is successful, and if the data information is different, the payment is failed.
2. The electronic money offline transaction method according to claim 1, wherein the payee identity information and the payer identity information are written in a form that requires reading a device serial number and verification through a mobile phone short message and bank card information.
3. The electronic money offline transaction method according to claim 1, wherein when the payee and payer identity information are written, a login password, a payment password, fingerprint information and face information need to be entered, one copy of the entered login password, payment password, fingerprint information and face information data is stored in the cloud server in a hash encryption distributed storage manner, and one copy is stored in the tamper-proof unit of the smart device in an encrypted manner.
4. The electronic money offline transaction method according to claim 1, characterized in that: and the payee generates a payment page screenshot after successful payment and stores the payment page screenshot in a tamper-proof unit of the device, stores the payment date, the amount and the detailed information of the payee in the tamper-proof unit, generates a successful payee screenshot after successful receipt by the payee, stores the screenshot in the tamper-proof unit and stores the payee date, the amount and the detailed information of the payee in the tamper-proof unit.
5. The management system of claim 1, wherein after the identity information of the payee and the payer is written, the payee and the payer are bound with at least one online payment platform of a payment treasure, a WeChat wallet and a cloud flash payment or a bank card under the environment needing a network, so as to form a prepayment protocol and generate a prepayment wallet.
6. The method of claim 6, wherein the prepaid wallet is generated to set a single maximum prepaid amount, and transfer an amount of money from the bound online payment platform or bank card to the prepaid wallet, and when the balance in the online payment platform or bank card is less than the amount transferred to the prepaid wallet, the transfer is failed.
7. The electronic money offline transaction method according to claim 6, wherein when the amount of money in the prepaid wallet is zero, the payment amount data is stored in the tamper-proof unit, and when the device enters the online environment, the borrowing data in the tamper-proof unit is directly sent to the bound online payment platform or bank payment system, and at this time, the online payment platform or bank payment system sends out a reminding message, and the person can deduct the prepaid money from the online payment platform or bank card by inputting the password of the online payment platform or bank card.
8. The electronic money offline transaction method according to claim 1, wherein after the device of the payee enters the online environment, the payment data in the tamper-proof unit is directly sent to the bound online payment platform or the bank payment system, and the payee can extract the amount of money to be collected into the bound online payment platform or the bank card by receiving the payment password.
9. A transaction apparatus for the electronic money offline transaction method according to any one of claims 1 to 8, comprising a fingerprint entry module; the fingerprint information input and payment verification device is used for inputting fingerprint information of a payee and a payer and verifying the fingerprint information during payment;
a touch screen; the input and display of the text information and the input of the payment amount are used;
a face input module; the face information input device is used for inputting face information of a payee and a payer and verifying the face information during payment;
a communication module; the communication module comprises a network transmission module; a connection for a network; a local area network communication module; the method is used for establishing the local area network when the two devices are in an off-line state, for exchanging data between the devices,
a tamper-proof unit; the tamper-proof unit contains an encryption module and a storage module and is used for encrypting and storing data of the equipment;
a processor; for processing and computing of device data;
a payment receiving module; the method is used for collection, reading, analyzing and processing of payment data.
10. The electronic money offline transaction apparatus according to claim 9, further comprising a memory and a computer program stored in the memory and operable on the processor, wherein the processor executes the computer program to implement the steps of the electronic money offline transaction method according to any one of claims 1 to 8.
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110705990A (en) * | 2019-09-18 | 2020-01-17 | 北京三快在线科技有限公司 | Verification method, verification device, terminal and storage medium |
| CN115564414A (en) * | 2022-08-22 | 2023-01-03 | 昆明理工大学 | Digital currency double-off-line transaction method and system |
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