CN113762951A

CN113762951A - Method, server and system for supporting offline payment limit by multiple payment ends of same user

Info

Publication number: CN113762951A
Application number: CN202111009230.0A
Authority: CN
Inventors: 刘高峰
Original assignee: Individual
Current assignee: Individual
Priority date: 2021-09-03
Filing date: 2021-09-03
Publication date: 2021-12-07

Abstract

The invention discloses a method, a server and a system for supporting offline payment limit by a plurality of payment ends of the same user. The method comprises the following steps: setting a plurality of unique identification information under a user account, wherein each unique identification information respectively establishes a corresponding offline payment amount; respectively issuing each unique identification information and the corresponding offline payment limit to a corresponding payment end of the user; and if the offline payment voucher sent by the receiving end is verified to be legal, deducting the payment amount included in the offline payment voucher from the corresponding offline payment amount, and transferring the digital assets of the payment amount to the account of the receiving end from the corresponding user account. The method not only can respectively determine and issue the offline payment limit to a plurality of payment ends of the same user, but also can enable the plurality of payment ends to share the same user account to transfer the digital assets.

Description

Method, server and system for supporting offline payment limit by multiple payment ends of same user

[ technical field ] A method for producing a semiconductor device

The invention relates to the technical field of digital assets, in particular to a method, a server and a system for supporting offline payment limit by a plurality of payment ends of the same user.

[ background of the invention ]

Digital assets refer to assets that exist in the form of electronic data, such as virtual assets, digital currency, electronic currency, and the like. In the payment process of the digital asset, the situation that the payment end is in the off-line state can be involved, including the situation that the payment end is in the single off-line state, or the situation that the payment end (such as a payer device) and the receiving end (such as a payee device) are in the double off-line state. It can be understood that the single offline state refers to an application scenario in which the payment end cannot perform real-time communication with the digital asset server, and the double offline state refers to an application scenario in which neither the payment end nor the receiving end can perform real-time communication with the digital asset server, that is, both the payment end and the receiving end are offline with respect to the digital asset server, for example, when the payment end and the receiving end are in an environment with poor network conditions or without a network, such as a running airplane, a remote mountain area or a sea ship or an underground shopping mall without network signal coverage, a large dining hall causing network payment congestion, a communication network, or a digital asset server having several tens of thousands of people eating at the same time, and the like, both the payment end and the receiving end cannot perform real-time communication with the digital asset server, and thus are in the double offline state.

With the rapid advance of digital asset services in the fields of finance, payment and the like, such as payment treasures, WeChat payments, Central bank digital currency, various bank payment services and the like, there is a need and a necessity for implementing off-line payment, i.e., for implementing payment in a single off-line state or/and a double off-line state at a payment end.

The inventor finds that in the implementation process of offline payment of digital assets, in order to prevent the situation that the amount actually paid by a user exceeds the amount which can be paid by the user, it is necessary to set an offline payment amount at a payment end, so as to limit the amount actually paid by the payment end according to the set offline payment amount.

It is important to note that the above background information is only used to enhance an understanding of the background of the present invention and, thus, may include prior art information that does not constitute a part of the present disclosure as known to one of ordinary skill in the art.

[ summary of the invention ]

The invention mainly aims to provide a method, a server and a system for supporting offline payment limit by a plurality of payment terminals of the same user, so as to solve one or more technical problems caused by the limitations and defects of the related technology at least to a certain extent, and the method comprises the following technical scheme:

in a first aspect, a method for supporting offline payment limit by multiple payment terminals of the same user is provided, and applied to a server, the method includes:

setting a plurality of unique identification information under a user account of any user with a plurality of payment terminals, wherein the user account can be respectively determined according to the unique identification information, and establishing a corresponding offline payment amount for each unique identification information in the unique identification information, wherein the method comprises the steps of setting first unique identification information under the user account, establishing a corresponding relation between the first unique identification information and a first offline payment amount, setting second unique identification information under the user account, and establishing a corresponding relation between the second unique identification information and a second offline payment amount;

respectively issuing each unique identification information and the corresponding offline payment limit to a corresponding payment end of the user, wherein the issuing comprises issuing the first unique identification information and the first offline payment limit to a first payment end, and issuing the second unique identification information and the second offline payment limit to a second payment end;

when an offline payment voucher sent by a receiving end is received, the offline payment voucher comprises unique identification information and a payment amount, the offline payment voucher is verified, if the offline payment voucher is verified to be legal, digital assets of the payment amount are transferred to an account where the receiving end is located from a corresponding user account, the payment amount is deducted from a corresponding offline payment amount, the corresponding user account is a user account determined according to the included unique identification information, and the corresponding offline payment amount is the offline payment amount corresponding to the included unique identification information.

Preferably, the unique identification information includes:

payment terminal identification information; alternatively, the first and second electrodes may be,

identification information generated by the server and having uniqueness on the server; alternatively, the first and second electrodes may be,

the system mainly comprises account identification information and a unique identifier, wherein the account identification information is the account identification information of the user account, and the unique identifier has uniqueness under the user account.

Preferably, in the step of establishing the offline payment amount corresponding to each unique identification information in the plurality of unique identification information, the determining of the offline payment amount includes:

using a preset amount as the offline payment amount; alternatively, the first and second electrodes may be,

determining the offline payment limit according to the limit requested by the payment terminal; alternatively, the first and second electrodes may be,

and determining the offline payment amount according to the payment record or/and the credit level or/and the user information of the user account or/and the currently established offline payment amount under the user account or/and the payment terminal type.

Preferably, the unique identification information and the offline payment limit corresponding to the unique identification information are respectively issued to the corresponding payment terminals of the user, and for issuing the unique identification information of any payment terminal and the offline payment limit corresponding to the unique identification information to any payment terminal, the method includes:

sending the unique identification information of any payment end and the corresponding offline payment amount to any payment end; alternatively, the first and second electrodes may be,

returning confirmation information to any payment end, wherein the confirmation information represents that the service end determines the unique identification information and the offline payment amount of any payment end by using the unique identification information and the offline payment amount pre-stored by any payment end, so that after the confirmation information is received by any payment end, the pre-stored unique identification information and the offline payment amount are used as the unique identification information and the offline payment amount issued by the service end by any payment end; alternatively, the first and second electrodes may be,

sending the unique identification information of any payment end to any payment end, and returning confirmation information to any payment end, wherein the confirmation information represents that the server determines the offline payment amount of any payment end according to the offline payment amount pre-stored by any payment end, so that after the confirmation information is received by any payment end, the any payment end takes the pre-stored offline payment amount as the offline payment amount issued by the server; alternatively, the first and second electrodes may be,

sending the corresponding offline payment amount to any payment end, and returning confirmation information to any payment end, wherein the confirmation information represents that the server end uses the unique identification information pre-stored by any payment end as the unique identification information of any payment end, so that after the payment end receives the confirmation information, the payment end uses the pre-stored unique identification information as the unique identification information issued by the server end.

Preferably, the verifying the offline payment credential further comprises:

if the corresponding user account is not determined according to the included unique identification information, determining that the offline payment voucher is illegal; and/or the first and/or second light sources,

if the corresponding offline payment limit is not obtained according to the included unique identification information, determining that the offline payment voucher is illegal; and/or the first and/or second light sources,

and judging whether the offline payment voucher is legal or not according to the payment amount and the corresponding offline payment amount.

Preferably, the determining whether the offline payment credential is legal according to the payment amount and the corresponding offline payment amount includes:

judging whether the payment amount is larger than the corresponding offline payment amount, if the payment amount is not larger than the corresponding offline payment amount, determining that the offline payment voucher is legal, otherwise, determining that the offline payment voucher is illegal; alternatively, the first and second electrodes may be,

and subtracting the corresponding offline payment amount from the payment amount, if the difference value of the two is not greater than a preset value, determining that the offline payment voucher is legal, otherwise, determining that the offline payment voucher is illegal.

Preferably, the transferring the digital assets of the payment amount from the corresponding user account to the account where the receiving end is located includes:

the digital assets are in balance form, the payment amount is subtracted from the corresponding user account, and the payment amount is added to the account where the receiving end is located; alternatively, the first and second electrodes may be,

and the digital assets are digital assets in a character string form, and the digital assets of the payment amount under the corresponding user account are changed into the digital assets under the account of the receiving end.

Preferably, the transferring the digital assets of the payment amount from the corresponding user account to the account where the receiving end is located further includes:

determining the account of the receiving terminal according to account identification information of the account of the receiving terminal included in the offline payment voucher or according to account identification information of the sending terminal of the offline payment voucher; and/or the first and/or second light sources,

if the account where the receiving end is located belongs to accounts on other service ends, the service end transfers the digital assets of the payment amount to the other service ends from the corresponding user accounts, so that the other service ends transfer the digital assets of the payment amount into the account where the receiving end is located.

Preferably, the user account determined according to the included unique identification information includes:

if the included unique identification information is account identification information, determining that the corresponding user account is the user account determined by the included unique identification information; alternatively, the first and second electrodes may be,

if the included unique identification information includes account identification information, determining that the corresponding user account is the user account determined by the account identification information; alternatively, the first and second electrodes may be,

and if the included unique identification information is associated with the account identification information, acquiring the associated account identification information according to the included unique identification information, wherein the corresponding user account is the user account determined by the associated account identification information.

Preferably, the method further comprises:

and respectively associating each unique identification information with corresponding payment terminal information, wherein the association of the first unique identification information with the payment terminal information of the first payment terminal and the association of the second unique identification information with the payment terminal information of the second payment terminal are included.

In a second aspect, a method for supporting offline payment limit by multiple payment terminals of the same user is provided, and applied to the payment terminals, the method includes:

receiving unique identification information and an offline payment amount issued by a server, and locally storing the unique identification information and the offline payment amount;

when off-line payment is carried out, whether payment is allowed or not is judged according to the payment amount and the off-line payment amount stored locally, if yes, an off-line payment voucher is generated, the off-line payment voucher comprises the unique identification information and the payment amount, and the payment amount is deducted from the off-line payment amount stored locally;

and transmitting the offline payment certificate to a receiving end through local communication.

Preferably, the receiving the unique identification information and the offline payment amount sent by the server, and locally storing the unique identification information and the offline payment amount includes:

receiving and locally storing the unique identification information and the offline payment limit sent by the server; alternatively, the first and second electrodes may be,

receiving confirmation information returned by the server, wherein the confirmation information represents that the server determines the unique identification information and the offline payment amount of the payment terminal by using the unique identification information and the offline payment amount pre-stored by the payment terminal, and then the pre-stored unique identification information and the offline payment amount are used as the locally stored unique identification information and the locally stored offline payment amount; alternatively, the first and second electrodes may be,

receiving and locally storing the unique identification information sent by the server, and receiving confirmation information returned by the server, wherein the confirmation information represents that the server determines the offline payment amount of the payment terminal according to the offline payment amount pre-stored by the payment terminal, and then the payment terminal takes the pre-stored offline payment amount as the locally stored offline payment amount; alternatively, the first and second electrodes may be,

receiving and locally storing an offline payment limit sent by the server, and receiving confirmation information returned by the server, wherein the confirmation information represents that the server determines the unique identification information of the payment terminal by the unique identification information pre-stored by the payment terminal, and then the payment terminal takes the pre-stored unique identification information as the locally stored unique identification information.

Preferably, the determining whether to allow payment according to the payment amount and the locally stored offline payment amount includes:

if the payment amount is not larger than the off-line payment amount stored locally, determining that the payment is allowed; alternatively, the first and second electrodes may be,

and subtracting the locally stored offline payment amount from the payment amount, and if the difference value between the two payment amounts is not greater than a preset value, determining that the payment is allowed.

In a third aspect, a method for supporting offline payment limit by multiple payment terminals of the same user is provided, and applied to a receiving terminal, the method includes:

receiving an offline payment certificate transmitted by a payment terminal through local communication, wherein the offline payment certificate comprises unique identification information and a payment amount;

and sending the offline payment voucher to a server side, so that the server side transfers the digital assets according to the offline payment voucher.

Preferably, after receiving the offline payment credential transmitted by the payment terminal through local communication, and before sending the offline payment credential to the server terminal, the method further includes:

and verifying the offline payment voucher, and determining that the payment of the payment terminal is successful after verifying that the offline payment voucher is legal.

Preferably, the sending the offline payment credential to the server includes:

the receiving end establishes network connection with the server end, and the receiving end sends the offline payment certificate to the server end through a network; alternatively, the first and second electrodes may be,

and the receiving end synchronizes the offline payment certificate to the intermediate equipment, so that the intermediate equipment sends the offline payment certificate to the server end through the network.

In a fourth aspect, a server device includes a processor and a memory, where the processor is configured to execute a program stored in the memory, and the program executes to perform the method according to the first aspect.

A payment end device comprising a processor, a memory, the processor being configured to execute a program stored in the memory, the program when executed performing a method comprising the second aspect as described above.

A sink device comprising a processor and a memory, the processor being configured to execute a program stored in the memory, the program executing the method according to the third aspect.

A chip comprising a processor for calling and running a computer program from a memory to cause a device in which the chip is installed to perform a method as described in the second aspect above, or to cause a device in which the chip is installed to perform a method as described in the third aspect above.

A storage medium having stored therein a program for implementing the method of the first aspect as described above, or a program for implementing the method of the second aspect as described above, or a program for implementing the method of the third aspect as described above.

In a fifth aspect, a system includes a server device, a payment device, and a receiving device, where the server device includes the server device as described in the fourth aspect, the payment device includes the payment device as described in the fourth aspect, and the receiving device includes the receiving device as described in the fourth aspect.

In summary, the technical effects brought by the technical solution provided by the present invention at least include: firstly, the server can respectively determine and issue offline payment amounts to a plurality of payment ends of the same user, namely the plurality of payment ends of the same user can respectively carry out offline payment according to the offline payment amounts on the respective payment ends; secondly, a plurality of payment ends of the same user can share the digital assets under the account of the same user to carry out the transfer of the digital assets, so that the condition that the account is set for each payment end and the condition that the digital assets are set for the accounts set for each payment end is avoided; and thirdly, the service end can respectively acquire the use conditions of the offline payment amounts of a plurality of payment ends of the same user, including the balance, deduction records and the like of the offline payment amount of each payment end.

[ description of the drawings ]

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.

FIG. 1 is a schematic block diagram of an implementation environment in accordance with the present invention;

FIG. 2 is a flowchart of a first embodiment of a method for supporting offline payment amount by multiple payment terminals of the same user;

FIG. 3 is a flowchart of a second embodiment of a method for supporting offline payment amount by multiple payment terminals of the same user;

FIG. 4 is a flowchart of a third embodiment of a method for supporting offline payment amount by multiple payment terminals of the same user;

fig. 5 is a flowchart of a fourth embodiment of a method for supporting offline payment amount by multiple payment terminals of the same user.

The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.

[ detailed description ] embodiments

In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

Description of an embodiment

Referring to fig. 1, a schematic diagram of an implementation environment according to the present invention is shown. The implementation environment comprises a payment end, a receiving end and a service end, wherein:

the payment end: a payment terminal (e.g., a first payment terminal or a second payment terminal as shown in fig. 1) of the digital asset is used for making an offline payment to the receiving terminal. The payment terminal can be a software program, such as a payment client terminal program; the mobile terminal device may also be a device implemented by a combination of software and hardware, for example, the mobile terminal device may be a user terminal device such as a smart phone, a smart television, a tablet computer, and a notebook computer, or may be a wearable terminal device such as a smart watch and a smart bracelet, or may be another device such as a chip card and a hardware wallet.

Receiving end: and the receiving end (such as the first receiving end or the second receiving end shown in fig. 1) of the digital asset is used for receiving the offline payment of the payment end and requesting the transfer of the digital asset to be completed from the service end according to the offline payment certificate provided by the payment end. The receiving end may be a software program, or may be a device implemented by a combination of software and hardware, for example, the receiving end may be a device such as a smart phone, a point-of-sale (POS) terminal, a scanning gun, a code reader, a PC (personal computer), a server, or may be a terminal device such as a smart television, a tablet computer, a notebook computer, a smart watch, a smart bracelet, or may be another device such as a chip card, a hardware wallet, or the like.

The server side: and the server of the digital assets is used for providing offline payment limit for the payment terminal, providing digital asset transfer service for the receiving terminal and completing transfer of the digital assets at the server according to the offline payment certificate transmitted by the receiving terminal. In practical implementation, the service end may be a registration center, a payment center, or the like for providing digital asset services. The server may be a physical or logical server, or a cloud server, or two or more servers sharing different responsibilities cooperate with each other to implement each function of the server in the embodiments of the present specification.

The information transmission between the payment end and the receiving end is realized through local communication, and the local communication is relative to a communication mode with a digital asset service end, that is, the payment end and the receiving end do not need to pass through the digital asset service end to realize mutual information transmission, and for example, the method can include a local area network or a near field communication mode, wherein the near field communication includes but is not limited to a communication mode through bluetooth, infrared rays, NFC, WIFI, sound waves, BLE (low power consumption bluetooth) or graphic codes. For example, in an environment where the payment end and the receiving end cannot communicate with the internet in real time, a local area network is established in the environment, the payment end and the receiving end are accessed to the local area network, and the payment end and the receiving end communicate with each other through the local area network; for another example, the payment end and the receiving end establish a bluetooth channel through bluetooth pairing to realize near field communication; for another example, the payment end and the receiving end are induced by an NFC antenna to realize near field communication; for example, one of the payment end or the receiving end encodes the information to be transmitted to generate a graphic code, and the other end scans and analyzes the graphic code to obtain the information to be transmitted, so that the short-distance communication between the payment end and the receiving end is realized through the graphic code, which can be a two-dimensional code or a bar code, or other graphics capable of obtaining the information thereof through scanning and decoding.

The information transmission between the payment end and the service end can be realized by establishing network connection between the payment end and the service end, and the network can be the internet or a special network; the payment end can also realize indirect information transfer with the server end through the intermediate device, for example, the intermediate device is a front-end processor with an NFC function, the payment end and the intermediate device perform information transfer through NFC communication, and the intermediate device and the server end perform information transfer through a private network, so that the payment end and the server end perform information transfer.

The information transmission between the receiving end and the server end can be realized by establishing network connection between the receiving end and the server end, and the network can be the internet or a special network; or the receiving end can realize indirect information transmission with the service end through the intermediate equipment.

It will be appreciated that in a practical implementation environment, a plurality or even a large number of users and sinks may be included, wherein each user may have a plurality of payouts. For convenience of illustration, fig. 1 only shows the first payment end and the second payment end of one user, and also only shows the local communication relationship between the first payment end and the first receiving end, and between the second payment end and the second receiving end, in an actual implementation environment, the first payment end may also perform local communication and offline payment to the second receiving end or other receiving ends, and the second payment end may also perform local communication and offline payment to the first receiving end or other receiving ends. For a terminal device, it may be used only as a payment end or a receiving end, or may be used as both a payment end and a receiving end.

It should be noted that the implementation environment configuration shown in fig. 1 is not limited to the implementation environment, and may include more or less components than those shown, or some components may be combined, or a different arrangement of components may be used, as will be appreciated by those skilled in the art. The implementation environment configuration shown in fig. 1 is only for enhancing understanding of the present technology and thus may include prior art information that does not constitute a known art to those of ordinary skill in the art.

Second, embodiment one of the method for supporting offline payment limit by multiple payment terminals of the same user

Please refer to fig. 2, which shows a flowchart of a first embodiment of a method for supporting offline payment amount by multiple payment terminals of the same user according to the present invention. The embodiment is exemplified by applying the method to the server in the implementation environment shown in fig. 1, and the method may include:

step 201, for any user with multiple payment terminals, setting multiple unique identification information under a user account of the user, wherein the user account can be determined according to the multiple unique identification information, respectively, and establishing a corresponding offline payment amount for each unique identification information in the multiple unique identification information, wherein the method comprises setting a first unique identification information under the user account, establishing a corresponding relationship between the first unique identification information and a first offline payment amount, setting a second unique identification information under the user account, and establishing a corresponding relationship between the second unique identification information and a second offline payment amount.

For any user with multiple payment ends, namely for one or more users with multiple payment ends to support offline payment amount, taking one of the users as an example, unique identification information is respectively determined for the multiple payment ends of the user, the multiple pieces of respectively determined unique identification information are set under a user account of the user, the user account can be respectively determined according to the multiple pieces of unique identification information, and corresponding offline payment amount is respectively established for each piece of unique identification information in the multiple pieces of unique identification information, namely corresponding offline payment amount is respectively established for each piece of unique identification information. For example, taking the user with a first payment end and a second payment end as an example, for the first payment end, determining unique identification information (i.e., first unique identification information) of the first payment end, and determining an offline payment amount (i.e., a first offline payment amount) of the first payment end, setting the first unique identification information under the user account, and establishing a corresponding relationship between the first unique identification information and the first offline payment amount; and for the second payment end, determining the unique identification information (namely second unique identification information) of the second payment end, determining the offline payment amount (namely second offline payment amount) of the second payment end, setting the second unique identification information under the user account, and establishing the corresponding relation between the second unique identification information and the second offline payment amount. Similarly, if the user has a third payment end, a fourth payment end, and the like, third unique identification information may be set under the user account, and a corresponding relationship between the third unique identification information and a third offline payment amount is established; setting fourth unique identification information under the user account, establishing a corresponding relation between the fourth unique identification information and a fourth offline payment amount, and the like; and so on, and will not be described in detail herein.

It is to be understood that a plurality of embodiments of the present invention refers to two or more cases. In an actual application scenario, the user in the embodiment of the present invention may be a natural person user, an enterprise user, a business user, or the like, and the embodiment of the present invention is not limited.

The unique identification information may be determined in a variety of ways, and specifically may include:

for example, the payment side identification information is used as the unique identification information, and the payment side identification information is identification information for identifying the payment side, and may be a terminal device identifier, a chip card identifier, a mobile phone number, a sub-account number, a digital certificate, a public key, an address generated based on the public key, or other information that can be used for uniquely identifying the payment side.

For another example, the unique identification information is identification information generated by the server and having uniqueness on the server, that is, the unique identification information has uniqueness in the unique identification information on the server, and it can also be understood that a plurality of or even a large number of user accounts are associated with unique identification information on the server, and the generated unique identification information has uniqueness in the unique identification information. For example, the server generates the unique identification information in an increasing order, so that it can be ensured that the generated unique identification information is larger than the previously generated unique identification information, and the unique identification information has uniqueness on the server; for another example, the server generates unique identification information according to the current system time of the server, the time is accurate to the second level, and the unique identification information generated this time and the unique identification information generated last time are ensured to be generated at least more than 1 second apart, so that the generated unique identification information can be ensured to be larger than the unique identification information generated before, and the generated unique identification information has uniqueness at the server; for example, the server generates random information, compares the random information with all current unique identification information, and if the comparison result shows that the same information exists, regenerates the random information and performs the comparison again until the comparison does not have the same information, and determines that the random information is the unique identification information generated this time.

For example, the unique identification information mainly includes account identification information of the user account and a unique identifier that is unique under the user account. For example, account identification information (e.g., a user account number of the user account, user identity information of the user account, payment terminal identification information, etc.) for identifying the user account and a unique identifier form the unique identification information, so that the user account can be identified according to the account identification information, and a corresponding offline payment amount can be obtained under the user account according to the unique identifier.

For each offline payment amount corresponding to the unique identification information, the offline payment amount may be determined in various embodiments, and specifically may include:

for example, the server uses a preset amount as the offline payment amount, for example, if the server uses the preset amount as 1000, it is determined that the first offline payment amount is 1000, that is, the first offline payment amount corresponding to the first unique identification information is 1000, and it is determined that the second offline payment amount is 1000, that is, the second offline payment amount corresponding to the second unique identification information is 1000.

For another example, the server determines the offline payment amount according to the amount requested by the payment end, for example, the server receives an operation request for obtaining the offline payment amount sent by a certain payment end (e.g., a first payment end or a second payment end), where the offline payment amount requested in the request is 1000, and the server determines that the offline payment amount corresponding to the certain payment end is 1000.

For example, the server determines the offline payment amount according to the payment record or/and the credit rating or/and the user information of the user account, or/and the offline payment amount currently established under the user account, or/and the payment terminal type and the like. For example, the server determines that the offline payment amount of each payment end of the user is 1000 according to the payment record or/and the credit rating or/and the user information of the user account, so that the first offline payment amount is 1000, and the second offline payment amount is 1000; for another example, the server divides the payment terminal into corresponding types (for example, a first type, a second type, or the like, or a software type, a hardware type, or the like), and each type sets a corresponding offline payment amount; for another example, the server determines that the total offline payment amount of the user account is 1000, and if the server has established a corresponding relationship between the first unique identification information and the first offline payment amount for the first payment end and the first offline payment amount is 600, the server determines that the second offline payment amount is 400 when determining the second offline payment amount of the second payment end, that is, the second offline payment amount corresponding to the second unique identification information is 400.

A plurality of unique identification information are set under the user account of the user, and corresponding offline payment amounts are respectively established for each unique identification information in the plurality of unique identification information, so that various implementation modes can be provided:

as an example, table 1 shows an implementation manner, in the User account table, both the first unique identification information (User1a) and the second unique identification information (User1b) are account identification information of the User account, that is, both the first unique identification information (User1a) and the second unique identification information (User1b) can be used for identifying the User account, including acquiring an asset balance (2000) of the User account, and the like, an offline payment amount corresponding to the first unique identification information (User1a) is a first offline payment amount (1000), and an offline payment amount corresponding to the second unique identification information (User1b) is a second offline payment amount (1000).

Table 1: user account table

First unique identification information	First off-line payment amount	Second unique identification information	Second off-line payment amount	Asset balance
					User1a	1000	User1b	1000	2000

Example two, table 2 shows another embodiment, in the User account table, the User account (User1) is account identification information of the User account, i.e. the User account (User1) can be used to identify the User account, including acquiring an asset balance (2000) of the User account; the offline payment amount corresponding to the first unique identifier (No1) is a first offline payment amount (1000), the offline payment amount corresponding to the second unique identifier (No1) is a second offline payment amount (1000), in practical application, the User account (User1) and the first unique identifier (No1) form first unique identification information, and the User account (User1) and the second unique identifier (No1) form second unique identification information.

Table 2: another user account table

User account	First unique identification	First off-line payment amount	Second unique identifier	Second off-line payment amount	Asset balance
						User1	No1	1000	No2	1000	2000

Third, table 3 and table 4 show another embodiment, in table 3, the User account number (User1) is account identification information of the User account, i.e. the User account number (User1) can be used for identifying the User account, including acquiring an asset balance (2000) of the User account; meanwhile, in table 4, the offline payment amount corresponding to the first unique identification information (id1) is 1000, and is associated with the User account (User1), that is, the first unique identification information (id1) can be associated with the User account (User 1); the offline payment amount corresponding to the second unique identification information (id2) is 1000, and is associated with the User account (User1), namely the User account (User1) can be associated according to the second unique identification information (id 2).

Table 3: another user account table (1)

User account	Asset balance
		User1	2000

Table 4: another user account table (2)

Unique identification information	Offline payment limit	User account
			id1	1000	User1
id2	1000	User1

As can be seen from the above-mentioned determined unique identification information and examples, setting a plurality of pieces of unique identification information under the user account may enable the user account to be determined according to the plurality of pieces of unique identification information, respectively, as shown in the above-mentioned example one, where the unique identification information is the account identification information of the user account, so that the user account and the asset balance set under the user account may be determined according to the unique identification information; as shown in the second example, the unique identification information is information including account identification information of the user account, so that the user account and the asset balance set under the user account can be determined according to the account identification information included in the unique identification information; as shown in the third example, the unique identification information is associated with the account identification information of the user account, so that the associated account identification information can be obtained through the unique identification information, and the user account and the asset balance set under the user account can be determined according to the associated account identification information. It is to be understood that the payment-side identification information, or the identification information generated by the server and having uniqueness on the server, or the like, as the unique identification information, may be associated with the account identification information by referring to the first example or the third example.

It is understood that the asset balance (2000) in the above examples one to three is exemplified by a digital asset in the form of a balance; similarly, in practical applications, if the digital asset is in the form of a character string, the asset balance may be replaced by the asset balance, wherein the asset balance is an encrypted character string with a face value of 2000 or a plurality of encrypted character strings with a face value of 2000 in total. From this, it can be understood that the encrypted string with the face value of 2000 or the plurality of encrypted strings with the face value of 2000 in total are digital assets under the user account, and it can also be understood that the owner of the encrypted string is the user account.

It can be understood that, in addition to the above examples one to three, in an actual implementation process, there may be more implementation manners, and the main function of the implementation manners is that for the unique identification information respectively determined for the plurality of payment terminals of the user, the user account may be respectively determined according to each unique identification information, and the offline payment amount corresponding to each unique identification information may be obtained.

It should be noted that, as described above, setting a plurality of unique identification information under the user account is not limited to setting a plurality of unique identification information under the user account at the same time, and specifically, the server allows setting a plurality of different unique identification information under the user account, and for any payment terminal of the user, the server may set the unique identification information for the payment terminal under the user account and establish an offline payment amount corresponding to the unique identification information according to a request of the payment terminal, a request of an intermediate device, a background management instruction, or a database operation instruction and the like.

Step 202, each unique identification information and the corresponding offline payment limit are respectively issued to the corresponding payment end of the user, wherein the first unique identification information and the first offline payment limit are issued to a first payment end, and the second unique identification information and the second offline payment limit are issued to a second payment end.

Each unique identification information in the plurality of unique identification information and the offline payment amount corresponding to the unique identification information are respectively issued to the payment end corresponding to the user, and it can also be understood that, for any payment end in the payment end corresponding to the user, the unique identification information of the payment end and the offline payment amount corresponding to the unique identification information are issued to the payment end, for example, in the example in the step 201, the first unique identification information and the first offline payment amount are issued to the first payment end, and the second unique identification information and the second offline payment amount are issued to the second payment end.

The issuing of each unique identification information and the offline payment limit corresponding to the unique identification information to the payment end corresponding to the user respectively, in a specific embodiment, for example, the issuing of the unique identification information of any payment end and the offline payment limit corresponding to the unique identification information to any payment end may specifically include:

for example, the server sends the unique identification information of any payment terminal and the offline payment amount corresponding to the unique identification information to any payment terminal, so that any payment terminal receives the unique identification information and the offline payment amount sent by the server.

For another example, if the service end determines the unique identification information and the offline payment amount of any payment end according to the unique identification information and the offline payment amount pre-stored by any payment end, the service end may return confirmation information to any payment end, where the confirmation information indicates that the service end has determined the unique identification information and the offline payment amount according to the unique identification information and the offline payment amount pre-stored by any payment end, so that after the any payment end receives the confirmation information, the any payment end uses the pre-stored unique identification information and the offline payment amount as the unique identification information and the offline payment amount issued by the service end. It can be understood that the unique identification information pre-stored for any one of the payers also includes preset unique identification information, for example, preset payer identification information such as a terminal device identifier of the payer, a chip card identifier, and the like.

For another example, the server sends the unique identification information of any payment terminal to any payment terminal, so that any payment terminal receives the unique identification information sent by the server; and the server returns confirmation information to any payment end, and the confirmation information represents that the server determines the offline payment amount according to the offline payment amount pre-stored by any payment end, so that after the payment end receives the confirmation information, the payment end takes the pre-stored offline payment amount as the offline payment amount issued by the server.

For example, the server sends the offline payment amount of any payment end to any payment end, so that any payment end receives the offline payment amount sent by the server; and the server returns confirmation information to any payment terminal, wherein the confirmation information represents that the server determines unique identification information by the unique identification information prestored by any payment terminal, so that after any payment terminal receives the confirmation information, the any payment terminal takes the prestored unique identification information as the unique identification information issued by the server.

It can be understood that the embodiment of the present invention may support a plurality of payment terminals of one, a plurality of even a large number of users to support offline payment amount, and therefore, for the one, the plurality of even a large number of users, the above step 201 and step 202 may be referred to, so that the unique identification information and the corresponding offline payment amount may be respectively determined and issued to the plurality of payment terminals of each user.

Step 203, when receiving an offline payment voucher sent by a receiving end, wherein the offline payment voucher comprises unique identification information and a payment amount, verifying the offline payment voucher, if the offline payment voucher is verified to be legal, transferring the digital assets of the payment amount to an account where the receiving end is located from a corresponding user account, and deducting the payment amount from a corresponding offline payment amount, wherein the corresponding user account is a user account determined according to the included unique identification information, and the corresponding offline payment amount is the offline payment amount corresponding to the included unique identification information.

When the server receives an offline payment certificate sent by a receiving end, the offline payment certificate comprises unique identification information and a payment amount, the server verifies the offline payment certificate, if the offline payment certificate is verified to be legal, digital assets of the payment amount are transferred to an account where the receiving end is located from a corresponding user account, the payment amount is deducted from a corresponding offline payment amount, the corresponding user account is a user account determined according to the included unique identification information, and the corresponding offline payment amount is the offline payment amount corresponding to the included unique identification information. It is to be understood that the included unique identification information refers to the unique identification information included in the offline payment credential.

Since a plurality of even a large number of user accounts may be included on the server, it is necessary to determine a corresponding user account in practical applications, and since a plurality of unique identification information may be set under the user account in step 201 above, so that the user account may be determined according to the plurality of unique identification information, respectively, and thus, the corresponding user account may be determined according to the included unique identification information, for example, if the included unique identification information is the first unique identification information or the second unique identification information in step 201 above, the determined corresponding user account should be the user account in step 201 above, and specifically, determining the corresponding user account according to the included unique identification information may include:

in a first determination manner, if the included unique identification information is account identification information, the corresponding user account is determined to be the user account determined by the included unique identification information. As described in the first example of step 201 above, the unique identification information set under the user account may be account identification information, and therefore, if the included unique identification information is account identification information, it is determined that the corresponding user account is the user account determined by the included unique identification information.

In a second determination mode, if the included unique identification information includes account identification information, the corresponding user account is determined to be the user account determined by the account identification information. As described in the second example in step 201 above, the unique identification information set under the user account may be identification information mainly composed of account identification information and a unique identifier, and therefore, if the included unique identification information is identification information mainly composed of account identification information and a unique identifier, the account identification information included in the included unique identification information is acquired, and the corresponding user account is determined to be the user account determined by the account identification information.

And determining the unique identification information according to the account identification information, wherein the unique identification information is associated with the account identification information, and the corresponding user account is the user account determined by the associated account identification information. As described in the third example in step 201 above, the unique identification information set under the user account may be associated with account identification information, and therefore, if the included unique identification information is associated with account identification information, the associated account identification information is acquired according to the included unique identification information, and the corresponding user account is the user account determined by the associated account identification information.

The server transfers the digital assets of the payment amount to the account of the receiving end from the corresponding user account, which mainly means that the digital assets represented by the payment amount are transferred to the account of the receiving end from the corresponding user account, and according to the type of the digital assets, a corresponding transfer mode can be adopted:

for example, taking the digital asset in the form of balance as an example, the payment amount is subtracted from the corresponding user account, and the payment amount is added to the account where the receiving end is located. For example, taking the balance of the corresponding user account as 2000, the balance of the account where the receiving end is located as 500, and the payment amount as 100 as an example, after the digital assets of the payment amount are transferred from the corresponding user account to the account where the receiving end is located, the balance of the corresponding user account is 1900, and the balance of the account where the receiving end is located is 600; for another example, if the service end is a third-party payment platform (for example, a payment platform similar to a pay bank or a WeChat payment platform), the payment amount (which may also be understood as a corresponding payment amount) may be transferred from a bank account bound to the corresponding user account to an account where the receiving end is located; for example, if the service end is a third-party payment platform (for example, a payment platform similar to a pay bank or a wechat payment), the payment amount may be subtracted from the balance of the corresponding user account, and the payment amount (which may also be understood as a corresponding payment amount) may be transferred to a bank account bound to the account where the receiving end is located.

For another example, taking digital assets in a character string form as an example, the server changes the digital assets of the payment amount under the corresponding user account into the digital assets under the account where the receiving end is located. Specifically, an owner of each digital asset is recorded in the server, that is, a corresponding owner is recorded in a character string representing the digital asset in the server, the owner of the digital asset with the payment amount is changed from the corresponding user account to an account where the receiving end is located, that is, the owner of the digital asset with the payment amount is selected from the digital assets with the corresponding user account, or the owner of the digital asset with the payment amount is changed to the account where the receiving end is located by selecting the digital assets with the payment amount as the face value or selecting the digital assets with the payment amount as the sum of the face values.

It can be understood that the account where the receiving end is located in the embodiment of the present invention may be determined in multiple ways, for example, the offline payment credential generated by the payment end includes account identification information of the account where the receiving end is located (for example, a user account number of the account where the receiving end is located, user identity information of the account where the receiving end is located, receiving end identification information, and the like), that is, the account identification information is identification information that can be used to identify the account where the receiving end is located, so that the service end may determine the account where the receiving end is located according to the account identification information; for another example, when the server receives the offline payment credential, the server obtains account identification information (e.g., a user account number, user identity information, receiving end identification information, etc.) of the sender, where the account identification information is identification information that can be used to identify an account where the receiving end is located, and the server determines the account where the receiving end is located according to the account identification information. It can be understood that the receiving end identification information is information for identifying a receiving end, and may be a terminal device identifier, a chip card identifier, a mobile phone number, an account number, a digital certificate, a public key, an address generated based on the public key, or other information that can be used for uniquely identifying the receiving end.

It can be understood that, if the account where the receiving end is located belongs to an account on another service end, the service end may transfer the digital assets of the payment amount from the corresponding user account to the other service end, and then transfer the digital assets of the payment amount into the account where the receiving end is located by the other service end, and a common application scenario implemented in this way is to implement transfer of digital assets between accounts of different banking systems.

It can be understood that, since the correspondence relationship between the unique identification information and the offline payment amount is established in step 201, in this step 203, the corresponding offline payment amount can be determined according to the included unique identification information, that is, the corresponding offline payment amount in this step 203 is the offline payment amount corresponding to the included unique identification information, for example, if the included unique identification information is the first unique identification information, the offline payment amount corresponding to the included unique identification information is the first offline payment amount, that is, the corresponding offline payment amount is the first offline payment amount; and if the included unique identification information is the second unique identification information, the offline payment amount corresponding to the included unique identification information is the second offline payment amount, namely the corresponding offline payment amount is the second offline payment amount.

It should be noted that, for the unique identification information in the embodiment of the present invention, the embodiment of the present invention does not limit that it is necessarily a character string information, it may also be information composed of a plurality of pieces of information in common, for example, in the case where the unique identification information is mainly composed of account identification information and a unique identification, the offline payment voucher comprises the account identification information and the unique identifier, the server side determines a corresponding user account by obtaining the account identification information, and obtains a corresponding offline payment amount under the corresponding user account through the unique identifier, therefore, even if the account identification information and the unique identifier do not form character string information, the functions of determining the corresponding user account and obtaining the corresponding offline payment amount can be still realized by obtaining the account identification information and the unique identifier from the offline payment voucher.

The implementation manner of the server verifying the offline payment credential may include checking whether a data format of the offline payment credential is valid, verifying authentication information or user information (if related) carried in the offline payment credential, and the like.

It can be understood that if the corresponding user account is not determined according to the included unique identification information, for example, the included unique identification information is not the account identification information on the server, for example, the included unique identification information does not include the account identification information on the server, for example, the server is not associated with the corresponding account identification information according to the included unique identification information, and the like; or if the corresponding offline payment amount is not obtained according to the included unique identification information, the offline payment voucher is determined to be illegal, the digital assets of the payment amount are not transferred to the account of the receiving terminal from the corresponding user account, and the payment amount is not deducted from the corresponding offline payment amount.

Optionally, the implementation manner of the server verifying the offline payment credential may further include that whether the offline payment credential is legal is determined according to the payment amount and the corresponding offline payment amount, which may specifically include:

for example, the server determines whether the payment amount is greater than the corresponding offline payment amount, if the payment amount is not greater than the corresponding offline payment amount, the offline payment voucher is determined to be legal, and if the payment amount is greater than the corresponding offline payment amount, the offline payment voucher is determined to be illegal.

For another example, the server subtracts the corresponding offline payment amount from the payment amount, and if the difference between the two is not greater than a preset value, the server determines that the offline payment certificate is legal, otherwise, the server determines that the offline payment certificate is illegal.

It can be understood that the step of deducting the payment amount from the corresponding offline payment amount by the server also means updating the corresponding offline payment amount to a balance obtained by subtracting the payment amount from the offline payment amount before updating, for example, taking the included unique identification information as the first unique identification information as an example, the corresponding offline payment amount obtained according to the included unique identification information is the first offline payment amount, i.e. the corresponding offline payment amount is the first offline payment amount, assuming that the first offline payment amount is 1000, if the payment amount is 100, after deducting the payment amount from the corresponding offline payment amount, the first offline payment amount is updated to 900, that is, the first offline payment amount corresponding to the first unique identification information is updated to 900.

It can be understood that the server may receive the offline payment credential many times, and after determining that the received offline payment credential is legal, transfer the digital asset and deduct the corresponding offline payment amount according to the offline payment credential, for example, if the offline payment credential is received again, taking the unique identification information included in the received offline payment credential as the first unique identification information and the payment amount as 200 as an example, after verifying that the received offline payment credential is legal again, transfer the digital asset with the amount of 200 from the user account of the above step 201 to the account of the corresponding receiving end, and deduct the payment amount from the first offline payment amount, then the first offline payment amount is updated to 700; if the offline payment certificate is received again, the unique identification information included in the offline payment certificate is the first unique identification information, and the payment amount is 300, after verifying that the offline payment certificate received again is legal, the digital asset with the amount of 300 is transferred from the user account in the step 201 to the account of the corresponding receiving terminal, and the payment amount is deducted from the first offline payment amount, so that the first offline payment amount is updated to 400.

In the

above steps

201 and 202, when determining or issuing the unique identification information on the server, the unique identification information may be associated with the payment terminal information, and because the unique identification information is set under the account of the user, the service terminal may respectively know the usage of the offline payment amounts of a plurality of payment terminals under the same user, including the balance, deduction record, etc. of the offline payment amount of each payment terminal, for example, the first unique identification information is associated with the payment terminal information (such as the name, and/or type, etc. of the first payment terminal) of the first payment terminal, the second unique identification information is associated with the payment terminal information (such as the name, and/or type, etc. of the second payment terminal), so that, according to the usage of the first offline payment amount corresponding to the first unique identification information, the using condition of the offline payment amount on the first payment terminal can be known; and acquiring the use condition of the offline payment amount on the second payment end according to the use condition of the second offline payment amount corresponding to the second unique identification information.

As can be seen from the above embodiments applied to the server, the technical effects produced by the embodiments of the present invention at least include that, firstly, the server can respectively determine and issue the offline payment amount to a plurality of payment ends of the same user, that is, the plurality of payment ends of the same user can respectively perform the offline payment according to the offline payment amounts on the respective payment ends; secondly, a plurality of payment ends of the same user can share the digital assets under the account of the same user to carry out the transfer of the digital assets, so that the condition that the account is set for each payment end and the condition that the digital assets are set for the accounts set for each payment end is avoided; and thirdly, the service end can respectively acquire the use conditions of the offline payment amounts of a plurality of payment ends of the same user, including the balance, deduction records and the like of the offline payment amount of each payment end.

Third, method embodiment two of multiple payment terminals of the same user support offline payment amount

Please refer to fig. 3, which shows a flowchart of a second embodiment of the method for supporting offline payment amount by multiple payment terminals of the same user according to the present invention. The embodiment is exemplified by applying the method to a payment terminal (such as a first payment terminal or a second payment terminal) in the implementation environment shown in fig. 1, and the method may include:

step 301, receiving the unique identification information and the offline payment amount sent by the server, and locally storing the unique identification information and the offline payment amount.

In step 202 of the first embodiment, the server issues each unique identification information and the offline payment amount corresponding to the unique identification information to the payment end corresponding to the user, and correspondingly, in the second embodiment, the server takes any payment end (such as the first payment end or the second payment end) of the corresponding payment ends as an example for explanation, that is, for the unique identification information and the offline payment amount issued by the server to the payment end (that is, any payment end of the corresponding payment ends), the payment end receives the unique identification information and the offline payment amount, and locally stores the unique identification information and the offline payment amount.

Step 302, when off-line payment is carried out, whether payment is allowed or not is judged according to the payment amount and the off-line payment amount stored locally, if yes, an off-line payment voucher is generated, the off-line payment voucher comprises the unique identification information and the payment amount, and the payment amount is deducted from the off-line payment amount stored locally.

When the payment end carries out off-line payment, the payment end judges whether the payment is allowed according to the payment amount and the off-line payment amount stored locally, if so, an off-line payment voucher is generated, the off-line payment voucher comprises the unique identification information and the payment amount, the payment amount is deducted from the off-line payment amount stored locally, and the off-line payment amount stored locally is updated to be the balance obtained by subtracting the payment amount from the off-line payment amount before updating.

It can be understood that the payment amount refers to the amount of the digital asset to be paid by the payment terminal to the receiving terminal, and the payment amount may be input by the user, may also be transmitted to the payment terminal by the receiving terminal, and may also be input in other manners, which is not limited to this embodiment of the present invention.

The determination of whether to allow payment according to the payment amount and the locally stored offline payment amount may include multiple ways:

in the first judgment mode, the payment terminal judges whether the payment amount is greater than the locally stored offline payment amount, and may also be understood as judging whether the payment amount to be paid to a receiving terminal by the payment terminal is greater than the locally stored offline payment amount, or may also be understood as judging whether the payment amount is less than or equal to the locally stored offline payment amount. If the payment amount is not larger than the offline payment amount stored locally, determining that the payment is allowed, and generating an offline payment certificate; and if the payment amount is larger than the offline payment amount stored locally, determining that the payment is not allowed, so that an offline payment certificate is not generated. For example, taking the locally stored offline payment amount as 1000 as an example, if the payment amount is 100, it is determined that the payment amount is not greater than the locally stored offline payment amount, and it is determined that the payment is allowed, thereby generating an offline payment credential.

And in a second judgment mode, the payment terminal subtracts the locally stored offline payment amount from the payment amount, and if the difference value of the two is not greater than a preset value, the payment is determined to be allowed. For example, taking the locally stored offline payment amount as 1000 and the preset value as 50 as an example, if the payment amount is not greater than 1050, because the difference value obtained by subtracting the locally stored offline payment amount from the payment amount will not be greater than the preset value (i.e. 50), it is determined that payment is allowed, and thus an offline payment certificate is generated; if the payment amount is larger than 1050, because the difference value of the payment amount minus the offline payment amount stored locally is larger than a preset value (namely 50), the payment is determined not to be allowed, and thus, an offline payment voucher is not generated. It can be understood that the main effect of this implementation is to allow the payment end to have a certain overdraft amount, that is, to allow the actual payment amount of the payment end to be greater than the locally stored offline payment amount within a preset value range.

It can be understood that, for the second determination method, in the actual implementation process, the preset value is equivalent to an overdraft limit on the basis of the offline payment limit, taking the offline payment limit as 1000 and the preset value as 50 as examples, the preset value is equivalent to an overdraft limit that may also be 50 on the basis of the offline payment limit, that is, the actual offline payment limit of the payment end is 1050, therefore, if the first determination method is implemented instead, the offline payment limit may be determined as 1050, so that the same effect as the second determination method can be achieved.

The deduction of the payment amount from the locally stored offline payment amount may also be understood as updating the locally stored offline payment amount to a balance obtained by subtracting the payment amount from an offline payment amount before updating, for example, taking the locally stored offline payment amount as 1000 and the payment amount as 100 as an example, after deducting the payment amount from the locally stored offline payment amount, the locally stored offline payment amount is updated to 900.

It can be understood that the payment terminal may perform offline payment for multiple times, and each time offline payment is performed, deduct the payment amount of the offline payment from the locally stored offline payment amount, that is, update the locally stored offline payment amount to a balance obtained by subtracting the payment amount of the offline payment from the offline payment amount before updating, for example, after the locally stored offline payment amount is 900, if offline payment is performed again and the payment amount is 200, subtract the payment amount 200 from the locally stored offline payment amount, update the locally stored offline payment amount to 700; if the off-line payment is made again and the payment amount is 300, the payment amount is subtracted from the off-line payment amount stored locally 300, and the off-line payment amount stored locally is updated to 400.

It can be understood that the offline payment from the payment end to the receiving end in step 302 may be applied to an application scenario in a single offline state or/and a dual offline state, but the offline payment in step 302 may also be performed when the payment end is in an online state.

And 303, transmitting the offline payment certificate to a receiving end through local communication.

The payment end transmits the offline payment credential to a receiving end through local communication, as described in the description of the implementation environment, the payment end may transmit the offline payment credential to the receiving end through a local area network, or may transmit the offline payment credential to the receiving end through near field communication methods such as bluetooth, infrared ray, NFC, WIFI, acoustic wave, BLE (low power consumption bluetooth), or graphic code.

In the above embodiment applied to the payment end, the payment end performs offline payment according to the unique identification information and the offline payment amount sent by the server, and the generated offline payment certificate includes the unique identification information, and since the correspondence between the unique identification information and the offline payment amount is established at the server, after the server receives the offline payment certificate, the corresponding offline payment amount can be obtained according to the unique identification information, so that the payment amount can be deducted from the corresponding offline payment amount, and the transfer of the digital asset can be performed according to the offline payment certificate.

Fourth, method embodiment of supporting offline payment amount by multiple payment terminals of same user

Please refer to fig. 4, which shows a flowchart of a third embodiment of the method for supporting offline payment amount by multiple payment terminals of the same user according to the present invention. The embodiment is exemplified by applying the method to a receiving end (such as a first receiving end or a second receiving end) in the implementation environment shown in fig. 1, and the method may include:

and step 401, receiving an offline payment certificate transmitted by a payment terminal through local communication, wherein the offline payment certificate comprises unique identification information and a payment amount.

In step 303 of the second embodiment, the payment end transmits the offline payment credential to the receiving end through local communication, and correspondingly, the third embodiment takes the receiving end receiving the offline payment credential as an example to explain, that is, the receiving end receives the offline payment credential transmitted by the payment end through local communication, and the offline payment credential includes unique identification information and a payment amount.

Step 402, optionally, verifying the offline payment credential, and after verifying that the offline payment credential is legal, determining that the payment is successful.

Optionally, the receiving end verifies the offline payment credential, and after verifying that the offline payment credential is legal, it is determined that the payment of the payment end is successful.

The implementation manner of verifying the offline payment credential by the receiving end may include checking whether a data format of the offline payment credential is valid, determining whether the payment amount meets a preset requirement, verifying authentication information or user information (if related) carried in the offline payment credential, and the like.

After the receiving end verifies that the offline payment voucher is legal, the receiving end determines that the payment of the payment end is successful, and can also understand that the payment is approved. Taking a running airplane as an example, after determining that the payment is successful at the payment terminal, the crew member may provide corresponding goods or services for the passenger who has paid successfully; for another example, when the payment end accesses the application server, the payment end triggers purchase of a corresponding service (such as shopping, viewing, and the like), and sends the offline payment credential to the receiving end, after determining that the payment end has successfully paid, the receiving end feeds back information indicating that the payment is successful to the application server, and then the application server determines that the payment end has successfully purchased, and provides the corresponding service to the payment end.

It is understood that this step is an optional implementation step, and the receiving end may implement this step in an online state or an offline state, so that it may be determined whether the payment is successful after the receiving end receives the offline payment credential and before the offline payment credential is sent to the service end. It is understood that the online status refers to an application scenario capable of real-time communication with the digital asset server, and the offline status refers to an application scenario incapable of real-time communication with the digital asset server.

And step 403, sending the offline payment certificate to a server, so that the server transfers the digital assets according to the offline payment certificate.

And the receiving terminal sends the offline payment certificate to the server terminal. Specifically, a network connection may be established between the receiving end and the service end, and the receiving end directly sends the offline payment credential to the service end, for example, after an airplane is landed, the receiving end accesses a mobile internet and establishes a network connection with the service end, and the receiving end sends the offline payment credential to the service end; the receiving end may also send the offline payment credential to the server indirectly, that is, the receiving end sends the offline payment credential to the server through an intermediate device (e.g., a collection device such as a collection server), for example, a collection device is deployed on an airplane, the receiving end synchronizes the offline payment credential to the collection device, after the airplane lands on the ground, the collection device establishes a network connection with the server, and the collection device sends the offline payment credential to the server; for another example, after the airplane lands on the ground, the receiving end accesses the mobile internet and establishes a network connection with a collection server of the airline company, the receiving end synchronizes the offline payment certificate to the collection server, and the collection server sends the offline payment certificate to the service end through the network.

It is understood that if the receiving end is the offline payment credential received in the offline state, the receiving end or the intermediary should be in the online state before the offline payment credential can be sent to the service end.

It can be understood that if the offline payment credential is verified to be illegal in step 402, the receiving end may not send the offline payment credential to the service end, so as to avoid the service end from verifying the illegal offline payment credential; the receiving end may also send the offline payment credential to the server, so that the server performs further verification or/and audit record and the like.

After the receiving end sends the offline payment credential to the server end, correspondingly, the server end receives the offline payment credential sent by the receiving end, verifies the offline payment credential, and transfers the digital asset according to the offline payment credential, and the like.

In the embodiment applied to the receiving end, the receiving end receives the offline payment certificate transmitted by the payment end through local communication and sends the offline payment certificate to the server end, so that the server end verifies the offline payment certificate, and transfers the digital assets according to the offline payment certificate after the offline payment certificate is determined to be legal.

Fifth, method embodiment of supporting offline payment amount by multiple payment terminals of the same user

Please refer to fig. 5, which shows a flowchart of a fourth embodiment of the method for supporting offline payment amount by multiple payment terminals of the same user according to the present invention. The embodiment is an embodiment formed by combining the first embodiment, the second embodiment and the third embodiment of the method for supporting the offline payment limit by a plurality of payment terminals of the same user. The embodiment is exemplified by applying the method to the implementation environment shown in fig. 1, and is exemplified by implementing a complete process by the server, the payment terminal, and the receiving terminal, where the payment terminal is exemplified by the first payment terminal shown in fig. 1, and the receiving terminal is exemplified by the first receiving terminal shown in fig. 1, and the method may include:

step 501, the server side responds to the operation of the first payment side to obtain a user account where the first payment side is located.

The method comprises the steps that a server responds to an operation of determining an offline payment amount for a first payment end, for example, when the server opens an offline payment function for the first payment end, or when the first payment end sends an operation request for obtaining the offline payment amount to the server, or when the first payment end performs a specific action (such as user login), the server is triggered to start to determine the offline payment amount for the first payment end.

The server acquires a user account where the first payment terminal is located, for example, the server performs user identity authentication on the first payment terminal, so as to acquire the user account where the first payment terminal is located; for another example, the server receives a request sent by an intermediate device or a background management instruction and the like to determine an offline payment limit for the first payment terminal, where the request includes account identification information, and the account identification information is used to identify a user account where the first payment terminal is located.

Step 502, the server determines a first offline payment amount of the first payment terminal and determines first unique identification information.

The server determines the offline payment amount of the first payment end, that is, determines an amount which is granted to the first payment end and can be used for offline payment, and in order to distinguish the offline payment amount of the first payment end from the offline payment amounts of other payment ends, the offline payment amount of the first payment end is referred to as a first offline payment amount. In an actual implementation process, the server may determine the first offline payment amount in various implementation manners, for example, the server uses a preset amount as the first offline payment amount; for another example, the server determines the first offline payment limit according to the limit requested by the first payment end; for example, the server determines the first offline payment amount according to a payment record or/and a credit rating or/and user information of the user account, or/and an offline payment amount currently established under the user account, or/and a payment end type of the first payment end.

The server determines first unique identification information so that the first offline payment amount can be acquired according to the first unique identification information, for example, payment end identification information of the first payment end is used as the first unique identification information; for another example, unique identification information is generated on the server as the first unique identification information; also for example, the system mainly comprises account identification information and a unique identifier, wherein the account identification information is account identification information of the user account, and the unique identifier has uniqueness under the user account.

And 503, the server sets the first unique identification information under the user account, wherein the user account can be determined according to the first unique identification information, and a plurality of different unique identification information are allowed to be set under the user account.

The server sets the first unique identification information under the user account, wherein the user account can be determined according to the first unique identification information, and a plurality of different unique identification information are allowed to be set under the user account.

The server sets the first unique identification information under the user account, and enables the user account to be determined according to the first unique identification information, and specifically, various embodiments can be included, for example, the first unique identification information is used as account identification information under the user account; for another example, the first unique identification information is composed of account identification information and a unique identifier of the user account, and the unique identifier is set under the user account; also for example, the first unique identification information is associated with account identification information of the user, and so on.

Step 504, the server establishes a corresponding relation between the first unique identification information and the first offline payment amount.

The server establishes a corresponding relation between the first unique identification information and the first offline payment amount, so that the first offline payment amount can be obtained through the corresponding relation according to the first unique identification information.

It can be understood that, as described in step 503 above, a plurality of different unique identification information are allowed to be set under the user account, so if the user has a second payment terminal, a third payment terminal, a fourth payment terminal, etc., then referring to steps 501 to 504 above, a second unique identification information can be set under the user account, and a corresponding relationship between the second unique identification information and a second offline payment amount is established; setting third unique identification information under the user account, and establishing a corresponding relation between the third unique identification information and a third offline payment amount; setting fourth unique identification information under the user account, and establishing a corresponding relation between the fourth unique identification information and a fourth offline payment amount; and so on, and will not be described in detail.

For the specific implementation in step 501 to step 504, reference may also be made to the relevant description in step 201 of the foregoing embodiment, which is not described herein again.

And 505, the server side issues the first unique identification information and the first offline payment amount to the first payment side.

And the server side issues the first unique identification information and the first offline payment amount to the first payment side.

Correspondingly, the first payment terminal receives the first unique identification information and the first offline payment amount sent by the server terminal.

And 506, locally storing the first unique identification information and the first offline payment amount by the first payment terminal.

And the first payment end locally stores the first unique identification information and the first offline payment amount.

Various specific embodiments may be included in the above step 505 and step 506, and specifically, the specific embodiments may include:

for example, the server sends the first unique identification information and the first offline payment amount to the first payment terminal, and the first payment terminal receives and locally stores the first unique identification information and the first offline payment amount sent by the server.

For another example, if the server is the first unique identification information and the first offline payment amount determined according to the unique identification information and the offline payment amount pre-stored by the first payment terminal, the server returns confirmation information to the first payment terminal, where the confirmation information indicates that the server has determined the unique identification information and the offline payment amount according to the unique identification information and the offline payment amount pre-stored by the first payment terminal, and after the first payment terminal receives the confirmation information, the first payment terminal uses the pre-stored unique identification information and the offline payment amount as the first unique identification information and the first offline payment amount locally stored.

For another example, the server sends the first unique identification information to the first payment terminal, and the first payment terminal receives and locally stores the first unique identification information; and the server returns confirmation information to the first payment terminal, wherein the confirmation information represents that the server determines the offline payment amount according to the offline payment amount pre-stored by the first payment terminal, and after the first payment terminal receives the confirmation information, the first payment terminal takes the pre-stored offline payment amount as the locally stored first offline payment amount.

For another example, the server sends the first offline payment amount to the first payment terminal, and the first payment terminal receives and locally stores the first offline payment amount; and the server returns confirmation information to the first payment terminal, wherein the confirmation information represents that the server determines unique identification information by using the unique identification information pre-stored by the first payment terminal, and after the first payment terminal receives the confirmation information, the first payment terminal takes the pre-stored unique identification information as the first unique identification information locally stored.

For the specific implementation in step 505 and step 506, reference may also be made to the relevant descriptions in step 202 and step 301 of the above embodiment, which are not described herein again.

And 507, when the first payment end carries out off-line payment, judging whether the payment is allowed according to the payment amount and the first off-line payment amount stored locally, if so, generating an off-line payment voucher, wherein the off-line payment voucher comprises the first unique identification information and the payment amount, and deducting the payment amount from the first off-line payment amount stored locally.

When the first payment end carries out off-line payment, the first payment end judges whether payment is allowed according to payment amount and the first off-line payment amount stored locally, if yes, an off-line payment certificate is generated, the off-line payment certificate comprises the first unique identification information and the payment amount, the payment amount is deducted from the first off-line payment amount stored locally, and namely the first off-line payment amount stored locally is updated to be a balance obtained by subtracting the payment amount from the first off-line payment amount before updating.

The determination of whether to allow payment according to the payment amount and the locally stored first offline payment amount may include multiple ways:

and in a first judgment mode, the first payment end judges whether the payment amount is larger than the first off-line payment amount stored locally, and if the payment amount is not larger than the first off-line payment amount stored locally, the payment is allowed.

And in a second judgment mode, the first payment end subtracts the locally stored first offline payment amount from the payment amount, and if the difference value of the two is not greater than a preset value, the payment is determined to be allowed.

For the specific implementation in step 507, reference may also be made to the related description in step 302 of the above embodiment, which is not described herein again.

And step 508, the first payment end transmits the offline payment certificate to the first receiving end through local communication.

And the first payment end transmits the offline payment certificate to a first receiving end through local communication.

Correspondingly, the first receiving end receives the offline payment certificate transmitted by the first payment end through local communication.

For the specific implementation in step 508, reference may also be made to the related descriptions in step 303 of the above embodiment and step 401 of the embodiment, which are not described herein again.

Step 509, optionally, the first receiving end verifies the offline payment credential, and after verifying that the offline payment credential is legal, it is determined that the first payment end succeeds in payment.

Optionally, the first receiving end verifies the offline payment credential, and after verifying that the offline payment credential is legal, it is determined that the first payment end succeeds in payment.

For the specific implementation in step 509, reference may also be made to the relevant description in step 402 of the foregoing embodiment, which is not described herein again.

And 510, the first receiving end sends the offline payment certificate to the server end.

The first receiving end sends the offline payment certificate to the server, for example, the first receiving end establishes network connection with the server, and the first receiving end sends the offline payment certificate to the server through a network; for another example, the first receiving end synchronizes the offline payment credential to an intermediary device, so that the intermediary device sends the offline payment credential to the server over a network.

Correspondingly, the server receives the offline payment credentials sent by the first receiving end.

For the specific implementation in step 510, reference may also be made to the relevant description in step 403 in the foregoing embodiment, which is not described herein again.

Step 511, when the server receives the offline payment certificate sent by the first receiving end, the server verifies the offline payment certificate, if the offline payment certificate is verified to be legal, the server determines the user account according to the first unique identification information included in the offline payment certificate, transfers the digital assets of the payment amount from the user account to the account of the first receiving end, determines the first offline payment amount according to the first unique identification information included in the offline payment certificate and the corresponding relation, and deducts the payment amount from the first offline payment amount.

At the server, when the server receives the offline payment certificate sent by the first receiving end, the server verifies the offline payment certificate, if the offline payment certificate is verified to be legal, the server determines the user account according to the first unique identification information included in the offline payment certificate, transfers the digital assets of the payment amount from the user account to the account of the first receiving end, determines the first offline payment amount according to the first unique identification information included in the offline payment certificate and the corresponding relation, and deducts the payment amount from the first offline payment amount.

Since the first unique identification information is set under the user account in the above step 502 and step 503, corresponding to the setting manner, the server may determine the user account according to the first unique identification information included in the offline payment credential, specifically: if the first unique identification information is used as account identification information under the user account, determining the user account according to the first unique identification information; or, if the first unique identification information mainly consists of account identification information and a unique identifier, determining the user account according to the account identification information included in the first unique identification information; or, if the first unique identification information is associated with account identification information, acquiring the associated account identification information according to the first unique identification information, where the account identification information may be used to determine the user account.

Since the corresponding relationship between the first unique identification information and the first offline payment amount is established in step 504, the server may determine the corresponding offline payment amount (i.e. determine the first offline payment amount) according to the first unique identification information and the corresponding relationship included in the offline payment credential.

Optionally, the implementation of the server verifying the offline payment credential may further include: if the corresponding user account is not determined according to the first unique identification information included in the offline payment voucher, determining that the offline payment voucher is illegal; or/and determining that the offline payment voucher is illegal if the corresponding offline payment amount is not obtained according to the first unique identification information included in the offline payment voucher; and/or judging whether the offline payment voucher is legal or not according to the payment amount and the first offline payment amount.

Wherein, judging whether the offline payment voucher is legal according to the payment amount and the first offline payment amount specifically comprises:

for example, corresponding to the first determination method in step 507, the server determines whether the payment amount is greater than the first offline payment amount, if the payment amount is not greater than the first offline payment amount, it is determined that the offline payment credential is legal, otherwise, it is determined that the offline payment credential is illegal.

For another example, corresponding to the determination manner in step 507, the server subtracts the first offline payment amount from the payment amount, and if the difference between the two is not greater than the preset value, it is determined that the offline payment credential is legal, otherwise, it is determined that the offline payment credential is illegal.

The server transfers the digital assets of the payment amount from the user account to the account of the first receiving end, and according to the type of the digital assets, a corresponding transfer mode can be adopted, for example, if the digital assets in a form of balance are taken as the digital assets, the payment amount is subtracted from the user account, and the payment amount is added to the account of the first receiving end; for another example, taking digital assets in a character string form as an example, the server changes the digital assets of the payment amount under the user account into the digital assets under the account of the first receiving end.

The transferring the digital assets of the payment amount from the user account to the account of the first receiving end may further include: determining the account of the first receiving terminal according to account identification information of the account of the first receiving terminal included in the offline payment voucher or according to account identification information of the offline payment voucher sending terminal; or/and if the account where the first receiving end is located belongs to accounts on other service ends, the service end transfers the digital assets of the payment amount from the user account to the other service ends, so that the other service ends transfer the digital assets of the payment amount into the account where the first receiving end is located.

The specific implementation manner in step 511 may also refer to the related description in step 203 of the above embodiment, and is not described herein again.

Further, in the process of implementing the above steps 502 to 504, the first unique identification information may be associated with payment end information (such as name, type, or the like of the first payment end) of the first payment end, so that the service end may know the usage of the offline payment amount on the first payment end according to the usage of the offline payment amount (i.e. the first offline payment amount) corresponding to the first unique identification information.

For a situation that a user may have multiple payment terminals, there is a possible solution to set up multiple user accounts for the user, each account is bound with a payment terminal, and it can also be understood that a corresponding user account is set up for each payment terminal, however, since this solution is to set up multiple user accounts for the same user, it is necessary to set up digital assets for transfer of digital assets for the multiple user accounts, which increases the complexity of the user in account management and digital asset management.

The above implementation process is exemplified by combining the first, second, and third embodiments of the method for supporting offline payment amount by multiple payment terminals of the same user, and implementing a complete process by the service terminal, the first payment terminal, and the first receiving terminal shown in fig. 1, and the generated technical effects may refer to the technical effects described in the first, second, and third embodiments, which are not described herein again.

It should be noted that, in this document, the terms "comprises," "comprising," "includes," "passing," "sending," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system.

The terms "first," "second," "third," and the like (if any) are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be practiced otherwise than as specifically illustrated or described herein.

The numbers of the above embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

The method, payment end, receiving end and service end of the invention can be implemented in many ways. For example, the method, payment terminal, receiving terminal and service terminal of the present invention may be implemented by software, hardware, firmware or any combination of software, hardware, firmware. The above-described order for the steps of the method is for illustrative purposes only, and the steps of the method of the present invention are not limited to the order specifically described above unless specifically indicated otherwise. Furthermore, in some embodiments, the present invention may also be embodied as a program recorded in a recording medium, the program including machine-readable instructions for implementing a method according to the present invention. Thus, the present invention also covers a recording medium storing a program for executing the method according to the present invention.

The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.

Claims

1. The method for supporting the offline payment limit by a plurality of payment ends of the same user is characterized by being applied to a server end and comprises the following steps:

2. The method of claim 1, further comprising:

3. The method for supporting the offline payment limit by a plurality of payment ends of the same user is characterized by being applied to the payment ends and comprising the following steps:

4. The method for supporting the offline payment limit by a plurality of payment ends of the same user is characterized by being applied to a receiving end and comprising the following steps:

5. A server device, characterized in that the server device comprises a processor and a memory, the processor is used for executing a program stored in the memory, and the program executes the method according to any one of claims 1 to 2.

6. A payment end device comprising a processor, a memory, the processor for executing a program stored in the memory, the program when executed performing a method according to claim 3.

7. A sink device, characterized in that the sink device comprises a processor and a memory, the processor is configured to execute a program stored in the memory, and the program executes the method according to claim 4.

8. A chip, comprising: a processor for calling and running a computer program from a memory, causing a device on which the chip is installed to perform the method of claim 3, or causing a device on which the chip is installed to perform the method of claim 4.

9. A system, characterized in that the system comprises a server device, a payment device and a receiving device, wherein the server device comprises the server device as claimed in claim 5, and the payment device comprises the payment device as claimed in claim 6; the sink device comprises the sink device according to claim 7.

10. A storage medium, characterized in that the storage medium has stored therein a program for implementing a method comprising any one of claims 1 to 2, or a program for implementing a method comprising claim 3, or a program for implementing a method comprising claim 4.