CN114301652A

CN114301652A - System and method for processing payment service

Info

Publication number: CN114301652A
Application number: CN202111581577.2A
Authority: CN
Inventors: 顾健; 王涛
Original assignee: Beijing Sankuai Online Technology Co Ltd
Current assignee: Beijing Sankuai Online Technology Co Ltd
Priority date: 2021-12-22
Filing date: 2021-12-22
Publication date: 2022-04-08

Abstract

The specification discloses a system and a method for processing payment service, and in the embodiment of the specification, a payment terminal sends a check code to a payment platform in a state of recovering networking. And after the payment platform determines that the payment end passes the verification, sending a payment record generated in an off-line state of the payment end and acquired based on the verification of the payment end to a payment management center, and synchronizing the account amount of the payment end by the payment management center according to the transaction record. And if the payment end unloads the client used for executing the offline payment or replaces the equipment used for executing the offline payment, deleting the check code in the payment end. In the method, the payment platform can judge whether the payment terminal unloads the client used for executing the offline payment or replaces the equipment or can synchronize the account amount of the payment terminal only through verification of the check code through the check code, so that the safety risk of the user account can be effectively reduced.

Description

System and method for processing payment service

Technical Field

The present description relates to the field of digital currency transactions, and more particularly, to a system and method for processing payment transactions.

Background

With the development of economy, physical currency is gradually virtualized to facilitate commodity transactions, thereby generating digital currency. Digital currency is currently applied to various payment platforms. Generally, when a transaction is conducted using digital currency, the amount of the digital currency corresponding to each user account needs to be checked and synchronized based on network communication.

However, in special scenes such as local area network break, underground supermarkets, airplanes and the like, both trading parties are in an offline state, and can respectively generate an offline two-dimensional code according to the trading amount. Then, the two parties of the transaction can verify whether the transaction amounts of the two parties are consistent or not by mutually scanning the two-dimensional codes of the other parties, and if the verification is passed, the two parties of the transaction store the offline transaction records to respective local places. When the two transaction parties are in the networking state, local offline transaction records of the two transaction parties are reported to the payment platform, so that account amounts of the two transaction parties are synchronized.

However, if the two transaction parties uninstall the client for offline payment or replace the device, the payment platform cannot acquire the offline transaction records of the two transaction parties, or the payment platform cannot verify whether the offline transaction records uploaded by the two transaction parties are actual offline transaction records of the two transaction parties, so that the user account faces a security risk.

Disclosure of Invention

Embodiments of the present specification provide a system and a method for processing payment services, so as to partially solve the problems in the prior art.

The embodiment of the specification adopts the following technical scheme:

the present specification provides a system for processing payment traffic, the system comprising: the system comprises a payment end, a payment platform and a payment management center;

the payment platform is used for responding to a check code sent by the payment end to the payment platform in a state of recovering networking and determining that the payment end passes the check; sending a payment record, which is acquired by the payment terminal through verification and generated in an offline state, to the payment management center, wherein if the payment terminal unloads a client for executing offline payment or replaces equipment for executing offline payment, the check code is deleted in the payment terminal;

and the payment management center is used for synchronizing the account amount corresponding to the payment end according to the payment record sent by the payment platform.

Optionally, the payment end is further configured to:

sending an offline payment right application request to the payment platform in a networking state;

the payment platform is further configured to:

receiving the off-line payment right application request, and verifying a historical verification code acquired based on the off-line payment right application request; if the payment end passes the verification of the check code, returning the check code of the offline payment service corresponding to the offline payment right application request to the payment end, and if the payment end fails the verification of the check code, limiting the right of the payment end to execute the offline payment service.

Optionally, the payment platform is further configured to:

and judging whether the payment terminal applies the offline payment right for the first time or not according to the user account information carried in the received offline payment right application request, if so, sending a check code to the payment terminal according to the user account information, and if not, verifying the check code of a history check code acquired based on the offline payment right application request.

Optionally, the payment platform is further configured to:

judging whether the payment terminal sends the offline payment right application request based on the same historical equipment or not according to the equipment identifier carried in the received offline payment right application request; and if so, verifying the historical verification code acquired based on the offline payment right application request, and if not, limiting the right of the payment end to execute the offline payment service.

Optionally, the payment end is further configured to:

receiving and storing a check code sent by the payment platform, and sending an offline payment request to the payment platform based on the check code, wherein the offline payment request comprises an offline payment amount;

the payment platform is further configured to:

sending fund freezing information to the payment management center according to the offline payment amount in the received offline payment request;

the payment management center is further configured to:

freezing the amount corresponding to the offline payment amount according to the received fund freezing information to obtain a fund freezing result, and returning the fund freezing result to the payment end through the payment platform;

the payment end is further used for:

and after the fund freezing result is received, executing the offline payment service according to the offline payment amount.

Optionally, the offline payment request further includes: at least one off-line payment index of an off-line payment frequency and an off-line payment duration threshold;

the payment end is further used for:

and when the payment end is in an off-line state, the payment end executes the off-line payment service according to the off-line payment index in the off-line payment request.

Optionally, the payment platform is further configured to:

under the state of recovering networking, the payment platform receives a payment record sent by the payment end, verifies the payment record, and sends fund unfreezing information and the payment record to the payment management center if the verification is passed;

the payment management center is further configured to:

unfreezing the amount corresponding to the offline payment amount according to the received fund unfreezing information, synchronizing the account amount corresponding to the payment end according to the received payment record, and sending information containing the synchronized account amount to the payment platform;

the payment platform is further configured to:

and sending an account amount change notice to the payment terminal according to the received information containing the synchronized account amount.

The method for processing payment service provided by the specification comprises the following steps:

the payment platform responds to a check code sent to the payment platform by a payment end in a state of recovering networking, and the payment end is determined to pass the check;

the payment platform sends a payment record, which is acquired by the payment end through verification and generated in an off-line state, of the payment end to the payment management center, so that the payment management center synchronizes the account amount corresponding to the payment end according to the payment record sent by the payment platform, wherein if the payment end unloads a client used for executing off-line payment or replaces equipment used for executing off-line payment, the verification code is deleted in the payment end.

Optionally, before determining that the payment end passes the verification in response to the verification code sent by the payment end to the payment platform in the state of recovering networking, the method further includes:

the payment platform conducts check code verification on a history check code acquired based on the offline payment right application request according to the received offline payment right application request sent by the payment end in the networking state, returns a check code aiming at the offline payment service corresponding to the offline payment right application request to the payment end if the payment end passes the check code verification, and limits the right of the payment end to execute the offline payment service if the payment end does not pass the check code verification.

Optionally, the method further comprises:

the payment platform judges whether the payment terminal applies the offline payment right for the first time according to the received user account information carried in the offline payment right application request, if so, sends a check code to the payment terminal according to the user account information, and if not, carries out check code verification on a historical check code acquired based on the offline payment right application request.

Optionally, the method further comprises:

the payment platform judges whether the payment end sends the off-line payment right application request based on the same historical equipment or not according to the equipment identification carried in the received off-line payment right application request, if so, the payment platform carries out check code verification on the historical check code acquired based on the off-line payment right application request, and if not, the payment end is limited to execute the off-line payment service.

Optionally, the method further comprises:

the payment platform sends fund freezing information to the payment management center according to the offline payment amount in the received offline payment request, so that the payment management center freezes the amount of money corresponding to the offline payment amount according to the received fund freezing information to obtain a fund freezing result, and the fund freezing result is returned to the payment end through the payment platform, so that the payment end executes the offline payment service according to the offline payment amount after receiving the fund freezing result, wherein the offline payment amount in the offline payment request is sent to the payment platform by the payment end based on the check code sent by the payment platform.

Optionally, sending a payment record generated by the payment end in an offline state and acquired by verifying the payment end to the payment management center, so that the payment management center synchronizes an account amount corresponding to the payment end according to the payment record sent by the payment platform, specifically including:

the payment platform receives a payment record sent by the payment end, checks the payment record, sends fund unfreezing information and the payment record to the payment management center if the payment record passes the checking, so that the payment management center unfreezes the amount corresponding to the offline payment amount according to the received fund unfreezing information, synchronizes the account amount corresponding to the payment end according to the received payment record, and sends information containing the synchronized account amount to the payment platform;

and the payment platform sends an account amount change notice to the payment terminal according to the received information containing the synchronized account amount.

The present specification provides a method of processing payment traffic, comprising:

the method comprises the steps that a payment end responds to the recovery of a networking state, a pre-stored check code is sent to a payment platform, so that the payment platform determines that the payment end passes the check, a payment record which is acquired based on the fact that the payment end passes the check and is generated in an offline state is sent to a payment management center, the payment management center can conveniently synchronize the account amount corresponding to the payment end according to the payment record sent by the payment platform, and if the payment end unloads a client side used for executing offline payment or replaces equipment used for executing offline payment, the check code is deleted in the payment end.

Optionally, before the payment terminal sends the pre-saved check code to the payment platform in response to restoring the networking state, the method further includes:

in a networking state, the payment terminal sends an offline payment right application request to the payment platform, so that the payment platform receives the offline payment right application request, verifies a historical verification code acquired based on the offline payment right application request, returns a verification code for offline payment service corresponding to the offline payment right application request to the payment terminal if the payment terminal passes the verification code verification, and restricts the right of the payment terminal to execute the offline payment service if the payment terminal fails the verification code verification;

the payment terminal receives and stores a check code sent by the payment platform, and sends an offline payment request to the payment platform based on the check code, wherein the offline payment request comprises an offline payment amount, so that the payment platform sends fund freezing information to the payment management center according to the offline payment amount in the received offline payment request, so that the payment management center freezes the amount corresponding to the offline payment amount according to the received fund freezing information to obtain a fund freezing result, and the fund freezing result is returned to the payment terminal through the payment platform;

and after receiving the fund freezing result, the payment terminal executes the offline payment service according to the offline payment amount.

executing the offline payment service, specifically including:

The present specification provides an apparatus for processing payment traffic, comprising:

the verification module is used for responding to a verification code sent by a payment end to the payment platform in a state of recovering networking by the payment platform and determining that the payment end passes verification;

the payment management center is used for synchronizing account amount corresponding to the payment end according to the payment record sent by the payment platform, wherein if the payment end unloads a client used for executing offline payment or replaces equipment used for executing offline payment, the check code is deleted in the payment end.

the synchronous module is used for the payment end to respond to the recovery of the networking state and send a pre-stored check code to a payment platform so that the payment platform can determine that the payment end passes the verification and send a payment record, which is acquired based on the payment end passing the verification, of the payment end in an offline state to the payment management center, so that the payment management center can synchronize the account amount corresponding to the payment end according to the payment record sent by the payment platform, wherein if the payment end unloads a client used for executing offline payment or replaces equipment used for executing offline payment, the check code is deleted in the payment end.

The present specification provides a computer-readable storage medium storing a computer program which, when executed by a processor, implements the method of processing payment services described above.

The present specification provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor executes the program to implement the method for processing payment service.

The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects:

in the embodiment of the description, the payment terminal sends the check code to the payment platform in the state of recovering the networking. And after the payment platform determines that the payment end passes the verification, sending a payment record generated in an off-line state of the payment end and acquired based on the verification of the payment end to a payment management center, and synchronizing the account amount of the payment end by the payment management center according to the transaction record. And if the payment end unloads the client used for executing the offline payment or replaces the equipment used for executing the offline payment, deleting the check code in the payment end. In the method, the payment platform can judge whether the payment terminal unloads the client used for executing the offline payment or replaces the equipment or can synchronize the account amount of the payment terminal only through verification of the check code through the check code, so that the safety risk of the user account can be effectively reduced.

Drawings

The accompanying drawings, which are included to provide a further understanding of the specification and are incorporated in and constitute a part of this specification, illustrate embodiments of the specification and together with the description serve to explain the specification and not to limit the specification in a non-limiting sense. In the drawings:

fig. 1 is an interaction diagram of processing an application for offline payment rights in a payment service system according to an embodiment of the present disclosure;

fig. 2 is an interaction diagram of performing an offline payment service in a system for processing a payment service according to an embodiment of the present disclosure;

fig. 3 is an interaction diagram for processing a synchronous payment record in a payment service system according to an embodiment of the present disclosure;

fig. 4 is a flowchart illustrating a method for processing payment services according to an embodiment of the present disclosure;

fig. 5 is a schematic flow chart of another method for processing payment services provided in the embodiments of the present specification;

fig. 6 is a schematic structural diagram of an apparatus for processing payment services according to an embodiment of the present disclosure;

fig. 7 is a schematic structural diagram of another apparatus for processing payment services according to an embodiment of the present disclosure;

fig. 8 is a schematic structural diagram of an electronic device provided in an embodiment of this specification.

Detailed Description

In a dual offline transaction scenario, except that the payment platform cannot verify whether the offline transaction records uploaded by both transaction parties are actual offline transaction records of both transaction parties, so that a user account faces a security risk, in the prior art, the offline transaction records are stored locally, and when a transactor unloads a client for executing offline transactions or replaces a device (e.g., a mobile phone), the locally stored offline transaction records are lost. Therefore, the payment platform cannot acquire the offline transaction record or synchronize the offline transaction amount of the transactor, so that the account amount of the transactor is not changed. When the trader applies the offline payment right again, the payment platform may grant the offline trading right again for the offline trading amount which cannot be synchronized, which easily causes the trader to trade the offline trading amount again, thereby causing double-flower problem.

In the embodiment of the present specification, when a trader applies for an offline payment right to a payment platform, the payment platform sends a check code corresponding to the offline payment right to the trader. After the trader pays off-line, whether the trader unloads the client used for off-line payment is judged through the verification check code. If the transactor is uninstalled, the transactor is restricted from performing offline payment. If not, the off-line transaction record is uploaded normally and the right of off-line payment is granted to the transactor again.

In order to make the objects, technical solutions and advantages of the present disclosure more clear, the technical solutions of the present disclosure will be clearly and completely described below with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present disclosure, and not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present specification without any creative effort belong to the protection scope of the present specification.

The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.

The system for processing payment service provided in this specification embodiment may include: payment end, payment platform, payment management center. Wherein, the payment end can include: a payoff end and a payee end. The payment management centre may be a bank.

In the embodiment of the description, in the process of processing a payment service, first, in a networking state, a payment terminal applies for an offline payment right to a payment platform, obtains a check code corresponding to the offline payment right sent by the payment platform, and obtains an offline payment index from the payment platform based on the check code. Then, in an off-line state, the paying end and the receiving end in the paying end execute off-line payment service. And finally, when the payment terminal recovers the networking state, the payment terminal reports the payment record generated in the offline state to the payment platform based on the check code, and the payment platform sends the payment record to the payment management center, so that the payment management center synchronizes the account amount corresponding to the payment terminal according to the payment record.

Next, taking the one-time payment service processing as an example, the interaction among the payment terminal, the payment platform, and the payment management center in the system will be described. The process of one-time payment service is divided into the following steps: the first stage is as follows: and the payment terminal applies for the offline payment right and the offline payment index. And a second stage: and the payment terminal carries out off-line payment. And a third stage: and reporting the payment record generated by the off-line payment, and synchronizing the account amount of the payment terminal.

The first stage is as follows: the payment end applies for the offline payment right and the offline payment index, as shown in fig. 1.

In this embodiment of the present specification, in a networked state, the payment terminal sends an offline payment right application request to the payment platform. The request for the application of the offline payment right may include: at least one of a history check code, user account information corresponding to the payment terminal and an equipment identifier. And the payment platform receives the off-line payment right application request and verifies the historical check code acquired based on the off-line payment right application request. And if the payment end passes the verification of the check code, returning the check code of the offline payment service corresponding to the offline payment right application request to the payment end, and if the payment end does not pass the verification of the check code, limiting the payment end to execute the offline payment service.

Specifically, in order to prevent the user account from being stolen, the payment platform may determine, according to the device identifier carried in the received offline payment right application request, whether the payment terminal sends the offline payment right application request based on the same historical device, if so, perform check code verification on the historical check code obtained based on the offline payment right application request, and if not, limit the right of the payment terminal to execute the offline payment service. When the right of the payment terminal to execute the offline payment service is limited, the time length of the right of the payment terminal to execute the offline payment service can be limited according to the user identity verification result.

Further, the payment platform may determine the identifier of the history device according to the user account information in the offline payment right application request. And comparing the identifier of the historical equipment with the equipment identifier in the offline payment right application request, if the identifier of the historical equipment is the same as the equipment identifier in the offline payment right application request, determining that the payment terminal sends the offline payment right application request based on the same historical equipment, and if the identifier of the historical equipment is not the same as the equipment identifier in the offline payment right application request, determining that the payment terminal does not send the offline payment right application request based on the same historical equipment.

Under the condition that the payment end sends the offline payment right application request based on the same historical equipment, the payment platform can judge whether the payment end applies the offline payment right for the first time according to the user account information carried in the offline payment right application request. If so, sending a check code aiming at the offline payment service corresponding to the offline payment right application request to the payment terminal according to the credit score related to the user account information, and if not, carrying out check code verification on the historical check code acquired based on the offline payment right application request.

And under the condition that the payment end does not send the offline payment right application request based on the same historical equipment, the payment platform can return user identity verification prompt information to the payment end. And the payment terminal responds to the user identity authentication prompt information and carries out identity authentication on the user corresponding to the payment terminal. The identity authentication can be realized by methods such as face recognition, short message authentication, fingerprint authentication and the like. And the payment platform responds to the identity verification result of the payment end and limits the time length of the payment end for executing the offline payment service. And if the identity authentication is passed, limiting the right of the payment end to execute the payment offline service within the preset time length. If the identity authentication is not passed, the right of the payment terminal to execute the off-line payment service is permanently limited.

If the payment platform judges that the payment end does not apply for the offline payment right for the first time, the payment platform can obtain the history check code based on the offline payment right application request. The historical check code is an offline payment certificate which is sent to the payment terminal by the historical payment platform, and the method for acquiring the historical check code can be acquired through an offline payment right application request or can be acquired in response to the input of a user of the payment terminal.

Under the condition of obtaining through the offline payment right application request, the payment platform carries out check code verification on the historical check code: and if yes, verifying the historical check code according to the latest check code historically stored on the payment platform, namely, judging whether the latest check code historically stored on the payment platform is consistent with the historical check code, and if so, returning the check code aiming at the offline payment service corresponding to the offline payment right application request to the payment end. The off-line payment service corresponding to the off-line payment right application request is the off-line payment service corresponding to the payment terminal applying one off-line payment right. If the client side is inconsistent (namely, the payment side is not verified by the check code), the payment side is determined to uninstall the client side for executing the offline payment or replace the equipment. If the fact that the history check code is not carried in the offline payment right application request is judged (namely, the payment end does not pass the check code verification), it is determined that the payment end unloads the client used for executing the offline payment or replaces the equipment. And after the payment platform determines that the payment end unloads the client used for executing the offline payment or replaces the equipment, limiting the right of the payment end to execute the offline payment service within a preset time length.

Under the condition of obtaining in response to the user input of the payment terminal, the payment platform carries out check code verification on the historical check code: and after the payment platform judges that the payment end does not apply for the offline payment right for the first time, prompt information is input into the check code of the payment end. And the payment terminal responds to the input prompt information of the check code and uploads the historical check code to the payment platform. And the payment platform carries out check code verification on the uploaded historical check codes, if the check codes pass the verification, the check codes aiming at the offline payment service corresponding to the offline payment right application request are sent to the payment end, and if the check codes do not pass the verification, the right of the payment end to execute the offline payment service is limited within a preset time length. The verification of the check code is the same as the above, and is not described herein again.

After the payment platform sends the check code aiming at the offline payment service corresponding to the offline payment right application request to the payment end, the payment end receives and stores the check code sent by the payment platform and sends an offline payment request to the payment platform based on the check code, wherein the offline payment request comprises at least one offline payment index of an offline payment amount, an offline payment frequency and an offline payment duration threshold.

And the payment platform sends fund freezing information to the payment management center according to the offline payment amount in the received offline payment request. And the payment management center freezes the amount of money corresponding to the offline payment amount according to the received fund freezing information to obtain a fund freezing result, and returns the fund freezing result to the payment end through the payment platform. And after the payment end receives the fund freezing result, the payment end executes the offline payment service in an offline state according to at least one offline payment index of the offline payment amount, the offline payment frequency and the offline payment duration threshold.

And a second stage: the payment terminal pays off-line as shown in fig. 2.

In this embodiment of the present specification, when the payment end is in an offline state, the payment end executes an offline payment service according to at least one offline payment index of an offline payment amount, an offline payment frequency, and an offline payment duration threshold included in the offline payment request. The payment end comprises a payment end and a collection end.

Specifically, the payment end is connected with the collection end, and the payment end sends payment information to the collection end based on the established connection and at least one off-line payment index. And the payee receives the payment information, verifies the payment information, stores the payment record corresponding to the payment information to the local if the payment information passes verification, and returns the verified payment information to the payer. And the payment end receives the payment information which is sent by the collection end and passes the verification, and stores the payment record corresponding to the payment information to the local. The payment end and the collection end can be connected through near field communication (such as NFC technology), Bluetooth, two-dimensional codes and the like.

Further, before the connection between the payment end and the collection end is established, the payment end can check the current offline payment state of the payment end according to at least one offline payment index, namely, at least one of whether the current offline payment amount of the payment end is not greater than the offline payment amount, whether the current offline payment frequency reaches the offline payment frequency and whether the current offline payment duration is not greater than the offline payment duration threshold is judged. And after the payment end passes the verification of the current off-line payment state, the payment end is connected with the collection end.

And after the connection between the payment end and the collection end is established, the payment end sends the current off-line payment state to the collection end based on the established connection. The collection terminal verifies the current off-line payment state and returns a verification result to the payment terminal, wherein the verification result comprises the following steps: verification passed, verification failed. And the payment terminal receives the verification result and sends payment information to the collection terminal in response to passing the verification. Wherein, the payment information includes: payment amount, payment place, payment time, user account information of the payment terminal, and the like.

In order to prevent the payment information from being leaked, when the payment end sends the payment information to the collection end, the payment end signs the payment information through a private key of the payment end to obtain signed payment information, and encrypts the signed payment information through a public key corresponding to the collection end to obtain encrypted payment information. And the payment end sends the encrypted payment information to the collection end.

And after receiving the encrypted payment information, the payee verifies the encrypted payment information, namely, decrypts and verifies the encrypted payment information. And if the encrypted payment information passes the verification, the collection terminal signs and encrypts the encrypted payment information to obtain double-signature payment information. And the collection end stores the payment record corresponding to the double-signature payment information to the local and sends the double-signature payment information to the payment end. And the payment end receives the double-signature payment information and verifies the double-signature payment information, namely, the double-signature payment information is decrypted and verified, and after the verification is passed, the payment record corresponding to the double-signature payment information is stored to the local.

And a third stage: and reporting a payment record generated by off-line payment, and synchronizing the account amount of the payment terminal, as shown in fig. 3.

In the embodiment of the present specification, in response to the recovery of the networking state, the payment terminal sends, to the payment platform, a payment record generated by the payment terminal in the offline state, based on the check code obtained when the payment terminal applies the offline payment right to the payment platform.

Specifically, the payment terminal may send a check code to the payment platform, and send a payment record to the payment platform in response to the payment platform passing the check of the check code. Or the payment terminal associates the check code with the payment record and then sends the check code to the payment platform.

And the payment platform receives the check code and the payment record sent by the payment end. And the payment platform verifies the check code sent by the payment end according to the check code which is stored by the payment platform and generated when the payment end applies for the offline payment right. If the payment record is verified, the payment record sent by the payment terminal is credible. If the verification is not passed, the payment record sent by the payment terminal is not trusted.

In addition, in order to prevent the user account information, the check code and the payment record of the payment terminal from being stolen, whether the payment terminal sends the payment record and the check code based on historical equipment can be judged, and if not, the identity information of the user is verified through the payment terminal.

And after the verification of the check code is passed, the payment platform prevents the payment record from being tampered, and verifies the payment record sent by the payment end, namely, judges whether the payment amount, the payment time, the payment place and other information of the payment record sent by the payment end and the collection end are consistent. And if the verification is passed, the payment platform sends fund unfreezing information and a payment record to the payment management center.

And the payment management center unfreezes the amount of money corresponding to the offline payment amount according to the received fund unfreezing information, synchronizes the account amount corresponding to the payment end according to the received payment record, and sends the information containing the synchronized account amount to the payment platform. And the payment platform sends an account amount change notice to the payment terminal according to the received information containing the synchronized account amount.

Based on the above description of the interaction among the payment terminal, the payment platform, and the payment management center in the payment service processing system, as shown in fig. 4, a flow diagram of a method for processing payment service provided in an embodiment of the present specification is shown, where the method is applied to the payment platform, and the method includes:

s400: and the payment platform responds to the check code sent to the payment platform by the payment end in the state of recovering the networking, and determines that the payment end passes the check.

S402: the payment platform sends a payment record, which is acquired by the payment end through verification and generated in an off-line state, of the payment end to the payment management center, so that the payment management center synchronizes the account amount corresponding to the payment end according to the payment record sent by the payment platform, wherein if the payment end unloads a client used for executing off-line payment or replaces equipment used for executing off-line payment, the verification code is deleted in the payment end.

Based on the above description of the interaction among the payment terminal, the payment platform, and the payment management center in the payment service processing system, as shown in fig. 5, a flow diagram of another method for processing payment service provided in the embodiment of the present specification is applied to the payment terminal, and the method includes:

s500: the method comprises the steps that a payment end responds to the recovery of a networking state, a pre-stored check code is sent to a payment platform, so that the payment platform determines that the payment end passes the check, a payment record which is acquired based on the fact that the payment end passes the check and is generated in an offline state is sent to a payment management center, the payment management center can conveniently synchronize the account amount corresponding to the payment end according to the payment record sent by the payment platform, and if the payment end unloads a client side used for executing offline payment or replaces equipment used for executing offline payment, the check code is deleted in the payment end.

As can be seen from the systems shown in fig. 1, fig. 2, and fig. 3 and the methods shown in fig. 4 and fig. 5, in the present specification, in the state of recovering networking, the payment terminal sends the check code to the payment platform. And after the payment platform determines that the payment end passes the verification, sending a payment record generated in an off-line state of the payment end and acquired based on the verification of the payment end to a payment management center, and synchronizing the account amount of the payment end by the payment management center according to the transaction record. And if the payment end unloads the client used for executing the offline payment or replaces the equipment used for executing the offline payment, deleting the check code in the payment end. The check code in this specification has the following functions: the payment platform can judge whether the payment end unloads the client used for executing the offline payment or replaces the device through the check code, and when the payment end unloads the client used for executing the offline payment or replaces the device, the payment platform limits the right of the payment end to execute the offline service, so that the payment platform can reduce the right of the payment platform to grant the offline payment amount again, the possibility that the payment end conducts the transaction again on the offline payment amount corresponding to the payment record is reduced, and the probability of generating the double-flower problem is effectively reduced. The check code has the second function: the payment platform sends the offline payment record to the payment management center only when the verification code passes, so that the payment management center synchronizes the account amount of the payment end, and the safety risk of the user account can be effectively reduced.

Based on the same idea, the present specification further provides a corresponding apparatus, a storage medium, and an electronic device.

Fig. 6 is a schematic structural diagram of an apparatus for processing payment services according to an embodiment of the present disclosure, where the apparatus includes:

the verification module 601 is used for the payment platform to respond to the verification code sent by the payment end to the payment platform in the state of recovering the networking, and determine that the payment end passes the verification;

a synchronization module 602, configured to send, by the payment platform, a payment record generated in an offline state by the payment end and acquired by the payment end through verification to the payment management center, so that the payment management center synchronizes, according to the payment record sent by the payment platform, an account amount corresponding to the payment end, where the check code is deleted in the payment end if the payment end unloads a client for performing offline payment or replaces a device that has performed offline payment.

Optionally, the apparatus further comprises: an apply offline payment rights module 603, a funds freeze module 604;

before determining that a payment end passes verification in response to a check code sent by the payment end to the payment platform in a state of recovering networking, the offline payment right applying module 603 is configured to perform check code verification on a history check code obtained based on an offline payment right application request according to a received offline payment right application request sent by the payment end in a state of recovering networking, and return a check code for offline payment service corresponding to the offline payment right application request to the payment end if the payment end passes the check code verification; and if the payment end is not verified by the check code, limiting the right of the payment end to execute the offline payment service.

In response to the payment end in the state of recovering the networking to the check code that payment platform sent, confirm before the payment end passes the check, apply for off-line payment right module 603, still be used for the payment platform is according to the user account information that receives carry in the off-line payment right application request, judge whether the payment end is for applying for the first time off-line payment right, if, according to user account information, to the payment end sends the check code, if not, carries out the check code to the historical check code that obtains based on the off-line payment right application request and verifies.

Before determining that the payment end passes the verification in response to a check code sent by the payment end to the payment platform in a state of recovering networking, the offline payment right applying module 603 is further configured to determine, by the payment platform, whether the payment end sends the offline payment right application request based on the same historical device according to a device identifier carried in the received offline payment right application request, if so, perform check code verification on the historical check code obtained based on the offline payment right application request, and if not, limit the right of the payment end to execute the offline payment service.

The fund freezing module 604 is configured to send fund freezing information to the payment management center by the payment platform according to an offline payment amount in the received offline payment request, so that the payment management center freezes an amount of money corresponding to the offline payment amount according to the received fund freezing information to obtain a fund freezing result, and returns the fund freezing result to the payment end through the payment platform, so that the payment end executes the offline payment service according to the offline payment amount after receiving the fund freezing result, where the offline payment amount in the offline payment request is sent to the payment platform by the payment end based on a check code sent by the payment platform.

Optionally, the synchronizing module 602 is specifically configured to receive a payment record sent by the payment end by the payment platform, check the payment record, send fund thawing information and the payment record to the payment management center if the payment record passes the check, so that the payment management center thaws the amount corresponding to the offline payment amount according to the received fund thawing information, synchronize the account amount corresponding to the payment end according to the received payment record, and send information including the synchronized account amount to the payment platform; and sending an account amount change notice to the payment terminal according to the received information containing the synchronized account amount.

Fig. 7 is a schematic structural diagram of another apparatus for processing payment services provided in an embodiment of the present disclosure, where the apparatus includes:

the synchronization module 701 is configured to send a pre-stored check code to a payment platform in response to a network connection state restoration state, so that the payment platform determines that the payment end passes the verification, and sends a payment record, which is obtained based on the payment end passing the verification, of the payment end in an offline state to the payment management center, so that the payment management center synchronizes an account amount corresponding to the payment end according to the payment record sent by the payment platform, where the check code is deleted in the payment end if the payment end unloads a client for performing offline payment or replaces a device for performing offline payment.

Optionally, the apparatus further comprises: an off-line payment right applying module 702 and an off-line payment service executing module 703;

before the payment end responds to the recovery of the networking state and sends a pre-stored check code to a payment platform, the offline payment right applying module 702 is configured to, in the networking state, send an offline payment right application request to the payment platform by the payment end, so that the payment platform receives the offline payment right application request and performs check code verification on a history check code acquired based on the offline payment right application request, if the payment end passes the check code verification, return a check code for an offline payment service corresponding to the offline payment right application request to the payment end, and if the payment end fails the check code verification, limit the payment end to execute the offline payment service; receiving and storing a check code sent by the payment platform, sending an offline payment request to the payment platform based on the check code, wherein the offline payment request comprises an offline payment amount so that the payment platform sends fund freezing information to the payment management center according to the offline payment amount in the received offline payment request, so that the payment management center freezes the amount of money corresponding to the offline payment amount according to the received fund freezing information to obtain a fund freezing result, and returning the fund freezing result to the payment end through the payment platform; and after the fund freezing result is received, executing the offline payment service according to the offline payment amount.

The offline payment request comprises: the module 703 is configured to, when the payment end is in an offline state, execute the offline payment service by the payment end according to the offline payment index in the offline payment request.

The present specification also provides a computer-readable storage medium storing a computer program, which when executed by a processor is operable to perform the method of processing payment services provided in fig. 4 and 5 above.

Based on the methods for processing payment services shown in fig. 4 and 5, the embodiment of the present specification further provides a schematic structural diagram of the electronic device shown in fig. 8. As shown in fig. 8, at the hardware level, the electronic device includes a processor, an internal bus, a network interface, a memory, and a non-volatile memory, but may also include hardware required for other services. The processor reads a corresponding computer program from the non-volatile memory into the memory and then runs the computer program to implement the method for processing the payment service described in fig. 4 and 5.

Of course, besides the software implementation, the present specification does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may be hardware or logic devices.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the various elements may be implemented in the same one or more software and/or hardware implementations of the present description.

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

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

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

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

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

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

This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of the present specification, and is not intended to limit the present specification. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification.

Claims

1. A system for processing payment transactions, the system comprising: the system comprises a payment end, a payment platform and a payment management center;

2. The system of claim 1, wherein the payment end is further configured to:

the payment platform is further configured to:

3. The system of claim 2, wherein the payment platform is further to:

judging whether the payment terminal applies for the offline payment right for the first time or not according to the user account information carried in the received offline payment right application request; if so, sending a check code to the payment terminal according to the user account information, and if not, carrying out check code verification on the historical check code acquired based on the offline payment right application request.

4. The system of claim 2 or 3, wherein the payment platform is further to:

5. The system of claim 2, wherein the payment end is further configured to:

the payment platform is further configured to:

the payment management center is further configured to:

the payment end is further used for:

6. The system of claim 5, wherein the offline payment request further comprises: at least one off-line payment index of an off-line payment frequency and an off-line payment duration threshold;

the payment end is further used for:

7. The system of claim 5, wherein the payment platform is further to:

the payment management center is further configured to:

the payment platform is further configured to:

8. A method of processing payment traffic, comprising:

9. The method of claim 8, wherein a payment platform, prior to determining that a payor passes a verification in response to a verification code sent by the payor to the payment platform in a state of resuming networking, further comprises:

the payment platform carries out check code verification on a historical check code acquired based on the offline payment right application request according to the received offline payment right application request sent by the payment terminal in the networking state; if the payment end passes the verification of the check code, returning the check code of the offline payment service corresponding to the offline payment right application request to the payment end, and if the payment end fails the verification of the check code, limiting the right of the payment end to execute the offline payment service.

10. The method of claim 9, wherein the method further comprises:

the payment platform judges whether the payment terminal applies for the offline payment right for the first time according to the user account information carried in the received offline payment right application request; if so, sending a check code to the payment terminal according to the user account information, and if not, carrying out check code verification on the historical check code acquired based on the offline payment right application request.

11. The method of claim 9 or 10, wherein the method further comprises:

12. The method of claim 9, wherein the method further comprises:

13. The method according to claim 12, wherein sending a payment record generated in an offline state by the payment terminal, which is obtained by the payment terminal through verification, to the payment management center, so that the payment management center synchronizes an account amount corresponding to the payment terminal according to the payment record sent by the payment platform, specifically includes:

14. A method of processing payment traffic, comprising:

15. The method of claim 14, wherein prior to the payend sending the pre-saved check code to the payment platform in response to restoring the networked state, the method further comprises:

16. The method of claim 15, wherein the offline payment request includes: at least one off-line payment index of an off-line payment frequency and an off-line payment duration threshold;

executing the offline payment service, specifically including:

17. An apparatus for processing payment traffic, comprising:

18. An apparatus for processing payment traffic, comprising:

19. A computer-readable storage medium, characterized in that the storage medium stores a computer program which, when being executed by a processor, carries out the method of any of the preceding claims 8-16.

20. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 8-16 when executing the program.