CN117291596A - Offline payment information processing method, device, equipment and readable storage medium - Google Patents
Offline payment information processing method, device, equipment and readable storage medium Download PDFInfo
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The invention relates to the field of payment, and provides an offline payment information processing method, an offline payment information processing device and a readable storage medium, wherein the offline payment information processing method is applied to an offline payment information processing system, and the offline payment information processing system comprises a card swiping device and a payment card; the method comprises the following steps: acquiring equipment parameter information of the card swiping equipment, and determining whether the card swiping equipment is in an offline state or not based on the equipment parameter information; judging whether the offline payment amount of the payment card is smaller than or equal to a preset offline payment threshold value under the condition that the card swiping equipment is in an offline state; and updating consumption information of the payment card under the condition that the offline payment amount is smaller than or equal to the preset offline payment threshold value, and determining that the payment of the card swiping device is completed. The invention ensures the safety and accuracy of the offline payment by judging the offline payment amount of the payment card and updating the offline consumption information.
Description
Technical Field
The present invention relates to the field of payment technologies, and in particular, to a method, an apparatus, a device, and a readable storage medium for processing offline payment information.
Background
Terminals with payment properties (e.g. entertainment devices) are usually coin-operated, but also payment controlled by means of an IC card. At present, most of payment schemes of IC cards are networking fee deduction. In terms of communication, the equipment cannot be networked due to network faults, service arrears and other reasons, and only offline payment can be performed. However, the existing offline payment scheme has the problems of inflexible payment mode, unsafe payment and inaccurate payment result.
Disclosure of Invention
The invention provides an offline payment information processing method, device, equipment and readable storage medium, which are used for solving the technical problems of inflexible payment mode, unsafe payment and inaccurate payment result of the existing offline scheme.
The invention provides an offline payment information processing method, which is applied to an offline payment information processing system, wherein the offline payment information processing system comprises a card swiping device and a payment card, and the offline payment information processing method comprises the following steps:
acquiring equipment parameter information of the card swiping equipment, and determining whether the card swiping equipment is in an offline state or not based on the equipment parameter information;
judging whether the offline payment amount of the payment card is smaller than or equal to a preset offline payment threshold value under the condition that the card swiping equipment is in an offline state;
and updating consumption information of the payment card under the condition that the offline payment amount is smaller than or equal to the preset offline payment threshold value, and determining that the payment of the card swiping device is completed.
According to the offline payment information processing method provided by the invention, the offline payment information processing method further comprises the following steps:
determining an online payment balance and an offline payment total of a target account based on the balance of the target account, and storing the online payment balance under the target account of the server;
determining offline payable amount of each payment card based on the number of the payment cards and the offline payment total amount under the condition that a plurality of payment cards corresponding to the target account exist;
writing the offline payable amount into the payment card, and taking the offline payable amount as the preset offline payment threshold.
According to the method for processing offline payment information provided by the invention, the offline payment information processing system further comprises a server, the obtaining of the device parameter information of the card swiping device, and the determining of whether the card swiping device is in an offline state based on the device parameter information comprises the following steps:
determining whether an offline consumption record exists in the payment card under the condition that the card swiping device is in an online state and the payment card is detected;
if the offline consumption record exists in the payment card, uploading the offline consumption record to the server, and erasing the offline consumption record in the card swiping device;
and if the offline consumption record does not exist in the payment card and the offline consumption amount exists in the server, clearing the offline consumption amount in the server.
According to the offline payment information processing method provided by the invention, the equipment parameter information comprises equipment identification, network time protocol, message queue telemetry transmission, subscription subject, login information and consumption parameter information; the determining whether the card swiping device is in an offline state based on the device parameter information comprises:
generating micro-message queue connection information based on the device identification;
and under the conditions that the card swiping equipment is successfully connected with a wireless network, the network time protocol is successfully acquired, the message queue telemetry transmission is successfully connected, the subscription theme subscription is completed, the login information is completed, and the consumption parameter information is pulled out, determining that the card swiping equipment is in an online state.
According to the method for processing offline payment information provided by the invention, if the offline consumption record exists in the payment card, uploading the offline consumption record to the server, and erasing the offline consumption record in the card swiping device comprises the following steps:
if the offline consumption record exists in the payment card, the offline consumption record is stored in a memory of the card swiping device;
under the condition that the offline consumption record is successfully stored, writing the payment card;
and uploading the offline consumption record to the server under the condition that the card writing operation is successful, and erasing the offline consumption record in the card swiping device.
According to the method for processing offline payment information provided by the invention, if the offline consumption record does not exist in the payment card and the offline consumption amount exists in the server, clearing the offline consumption amount in the server comprises the following steps:
if the offline consumption record does not exist in the payment card, uploading the information of the payment card to the server;
determining if an offline spending amount is present in the server if the server replies;
and if the offline consumption amount exists in the server, clearing the offline consumption amount in the server.
According to the method for processing offline payment information provided by the invention, when the card swiping device is in an offline state, the judging whether the offline payment amount of the payment card is smaller than or equal to a preset offline payment threshold value comprises the following steps:
and prompting a user to use other payment cards under the condition that the offline payment amount is larger than the preset offline payment threshold and is smaller than or equal to the offline payment total.
The invention also provides an offline payment information processing device, which comprises:
the off-line state judging module is used for acquiring the equipment parameter information of the card swiping equipment and determining whether the card swiping equipment is in an off-line state or not based on the equipment parameter information;
the off-line payment amount judging module is used for judging whether the off-line payment amount of the payment card is smaller than or equal to a preset off-line payment threshold value or not under the condition that the card swiping equipment is in an off-line state;
and the consumption information updating module is used for updating the consumption information of the payment card and determining that the payment of the card swiping device is completed under the condition that the offline payment amount is smaller than or equal to the preset offline payment threshold value.
The invention also 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 implements the offline payment information processing method according to any one of the above when executing the program.
The present invention also provides a non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the offline payment information processing method as described in any of the above.
The offline payment information processing method, the device, the equipment and the readable storage medium provided by the invention are applied to an offline payment information processing system comprising a card swiping device and a payment card; firstly, acquiring equipment parameter information of the card swiping equipment, and determining whether the card swiping equipment is in an offline state or not according to the equipment parameter information. Judging the size relation between the offline payment amount of the payment card and a preset offline payment threshold under the condition that the card swiping equipment is in an offline state; and updating the consumption information of the payment card under the condition that the offline payment amount is smaller than or equal to a preset offline payment threshold value, and finally determining that the payment between the payment card and the card swiping device is completed. According to the method and the device, the offline payment amount of the payment card is judged, and the offline consumption information is updated, so that the technical problems of unsafe payment and inaccurate payment result existing in the existing offline payment scheme are solved.
Drawings
In order to more clearly illustrate the invention or the technical solutions of the prior art, the following description will briefly explain the drawings used in the embodiments or the description of the prior art, and it is obvious that the drawings in the following description are some embodiments of the invention, and other drawings can be obtained according to the drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic flow chart of an offline payment information processing method provided by the invention;
FIG. 2 is a schematic flow chart of determining whether a device is offline in the offline payment information processing method provided by the invention;
FIG. 3 is a schematic flow chart of an offline payment information processing method according to the present invention, wherein the offline consumption is limited based on the balance of a user;
FIG. 4 is a schematic flow chart of an offline payment information processing method according to the present invention, wherein the offline consumption is limited based on user settings;
FIG. 5 is a schematic diagram of an online card reading process in the offline payment information processing method provided by the invention;
FIG. 6 is a schematic flow chart of offline consumption in the offline payment information processing method provided by the invention;
fig. 7 is a schematic diagram of the structure of an offline payment information processing apparatus provided by the present invention;
fig. 8 is a schematic structural diagram of an electronic device provided by the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is apparent that the described embodiments are some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Referring to fig. 1, the present invention provides an offline payment information processing method, which is applied to an offline payment information processing system, wherein the offline payment information processing system includes a card swiping device and a payment card, and the offline payment information processing method includes:
step 100, acquiring device parameter information of the card swiping device, and determining whether the card swiping device is in an offline state or not based on the device parameter information;
step 200, judging whether the offline payment amount of the payment card is smaller than or equal to a preset offline payment threshold value under the condition that the card swiping equipment is in an offline state;
and step 300, updating consumption information of the payment card and determining that the payment of the card swiping device is completed under the condition that the offline payment amount is smaller than or equal to the preset offline payment threshold value.
Specifically, the card swiping device in the present application includes a card swiping module and a target device, the card swiping module is mounted on the target device, and the target device is mainly a charging device (such as a baby machine) with entertainment property, various sharing devices (such as a sharing washing machine in a campus scene) and the like. The card swiping module in the application can be independent or integrated with the target equipment, and the card swiping equipment in the application does not limit the installation mode of the card swiping module.
As shown in fig. 2, fig. 2 is a schematic flow chart for determining whether the card swiping device is offline. First, device parameter information of the card swiping device is acquired, and the device parameter information may be LMQ (micro message queue) connection information and NTP (Network Time Protocol ) time in fig. 2, and the like. The specific content of determining whether the card swiping device is in an offline state according to the device parameter information in fig. 2 can be seen in fig. 2; as shown in fig. 3, fig. 3 is a schematic flow diagram of an arrangement for limiting offline consumption based on user balance. When the card swiping device is offline, judging whether the offline payment amount in the payment card exceeds a preset offline payment threshold (the offline payment threshold is related to user setting and the number of the cards held by the user), executing offline payment operation under the condition that the offline payment amount in the payment card does not exceed the preset offline payment threshold, writing a consumption record, updating consumption information in the card, and starting the card swiping device offline after updating is successful. And determining that the consumption fails in the case that the offline payment amount in the payment card exceeds a preset offline payment threshold.
In the present embodiment, the offline payment information processing method is applied to an offline payment information processing system including a card swiping device and a payment card; firstly, acquiring equipment parameter information of the card swiping equipment, and determining whether the card swiping equipment is in an offline state or not according to the equipment parameter information. Judging the size relation between the offline payment amount of the payment card and a preset offline payment threshold under the condition that the card swiping equipment is in an offline state; and updating the consumption information of the payment card under the condition that the offline payment amount is smaller than or equal to a preset offline payment threshold value, and finally determining that the payment between the payment card and the card swiping device is completed. According to the method and the device, the offline payment amount of the payment card is judged, and the offline consumption information is updated, so that the technical problems of unsafe payment and inaccurate payment result existing in the existing offline payment scheme are solved.
In an embodiment, the offline payment information processing method provided in the embodiment of the present application may further include:
step 10, determining an online payment balance and an offline payment total of a target account based on the balance of the target account, and storing the online payment balance under the target account of the server;
step 20, determining an offline payable amount of each payment card based on the number of the payment cards and the offline payment total amount when a plurality of payment cards corresponding to the target account exist;
and step 30, writing the offline payable amount into the payment card, and taking the offline payable amount as the preset offline payment threshold.
In particular, the above embodiments have proposed that the offline payment threshold is related to user settings and the number of cards held by the user. For example, the user has two cards together charged 200 yuan, wherein the user sets the amount that can be consumed offline to 100 yuan, i.e. the amount that can be consumed offline for each card is 50 yuan. It is known that the amount that can be consumed offline is determined according to the balance of the user account, and the setting principle of the amount that can be consumed offline is that the account balance cannot be exceeded, so that the user cannot overdraft the payment card through offline payment. After the offline payable amount of each payment card is determined based on the account balance, user setting and the number of cards corresponding to the account, after offline consumption is generated, the rest offline payable amount is written into each payment card to serve as a preset offline payment threshold value of the next offline payment.
According to the embodiment, through account balance, user setting, card number corresponding to the account and other information, the offline payment amount of the payment card is determined, and the safety of the payment account is ensured.
In an embodiment, the offline payment information processing method provided in the embodiment of the present application, the offline payment information processing system further includes a server, and the offline payment information processing method may further include:
step 400, determining whether an offline consumption record exists in the payment card or not under the condition that the card swiping device is in an online state and the payment card is detected;
step 500, if the offline consumption record exists in the payment card, uploading the offline consumption record to the server, and erasing the offline consumption record in the card swiping device;
step 600, if the offline consumption record does not exist in the payment card and the offline consumption amount exists in the server, clearing the offline consumption amount in the server.
The offline payment information processing method provided by the embodiment of the application may further include:
step 700, prompting a user to use other payment cards when the offline payment amount is greater than the preset offline payment threshold and the offline payment amount is less than or equal to the offline payment total.
In an embodiment, the offline payment information processing method provided in the embodiment of the present application may further include:
step 510, if the offline consumption record exists in the payment card, storing the offline consumption record in a memory of the card swiping device;
step 520, performing card writing operation on the payment card under the condition that the offline consumption record is successfully stored;
and step 530, uploading the offline consumption record to the server and erasing the offline consumption record in the card swiping device under the condition that the card writing operation is successful.
In an embodiment, the offline payment information processing method provided in the embodiment of the present application may further include:
step 610, if the offline consumption record does not exist in the payment card, uploading the information of the payment card to the server;
step 620, in the case of the server response, determining whether an offline consumption amount exists in the server;
step 630, in the case that the offline consumption amount exists in the server, clearing the offline consumption amount in the server.
Specifically, as shown in fig. 4, fig. 4 is a schematic flow chart of an arrangement for limiting offline consumption based on user settings. The server reply indicates that the consumption was successful, indicating that after verifying all offline consumption records, the balance remains, where the balance is in fact determined by the server. In which case the maximum amount of consumption off-line can be restored. If the server does not answer or cancel offline consumption, and the offline consumption balance is determined to be insufficient to pay offline consumption, the server can be unlocked after the user is charged. This step is different from the above-mentioned scheme corresponding to fig. 3, in which the online balance information is written in the above-mentioned scheme corresponding to fig. 3, and the scheme corresponding to fig. 4 is to clear the offline consumption balance, and the logic is that the scheme corresponding to fig. 4 does not have the process of writing the balance, but if the offline consumption is followed by online swiping, the swiping module simply clears and reports the offline consumption record, and does not confirm the result of the actual verification. The user can brush off the data of the offline consumption amount after the user consumes again successfully, so that the user can be prevented from utilizing the loophole.
Under the condition that the user holds a plurality of cards and the offline consumption amount of a certain card in use is larger than the preset offline payment threshold, the user can be reminded of replacing other payment cards in various prompting modes. As shown in fig. 5, fig. 5 is a schematic diagram of an online card reading process, which can be used to update/clear card offline consumption information. Specifically, after the card reading device reads the card successfully, it is required to determine whether the payment is for offline consumption or online consumption and to verify the consumption record online. When the consumption record is verified on line, if the server responds, the consumption record is cleared, and the offline information sector is verified after the card writing operation; if the payment is offline consumption, the offline recording sector (divided area on the disk) needs to be verified, if the verification is successful, the offline consumption record is updated to the payment card, and after the update is successful, the offline information sector is verified; if the payment is online consumption, determining whether the balance is sufficient, judging whether the offline consumption amount is not emptied under the condition that the balance is sufficient, and if the offline consumption amount is not emptied, emptying the offline consumption amount of the payment card, and verifying the offline information sector after the emptying.
After the offline information sector is successfully verified, the offline consumption information of the payment card is updated, the time of successful card swiping is recorded after the offline information sector is successfully updated, and the failure of writing the consumption information is determined after the updating failure, and the card can be searched again no matter whether the updating is successful or the updating failure and the verification key failure.
As shown in fig. 6, fig. 6 is a schematic flow chart of offline consumption, and it can be seen that when offline consumption is performed, it is first determined whether the offline consumption balance is sufficient, if the offline consumption balance is sufficient, it is determined whether the card space is sufficient, and if the card space is sufficient, the consumable balance and the consumption count are updated. And then verifying the sector where the offline record is located, wherein the sector where the offline record is located is the same as the sector where the offline record is verified, after verification is successful, updating the offline record to the payment card, and after the updating is successful, verifying the offline information sector. Updating the offline consumption information of the card after successful verification, and determining that the writing of the consumption information fails after multiple attempts of updating fails. The verification process ends after verification failure.
The embodiment ensures the safety of offline payment through the offline consumption scheme corresponding to fig. 3 and 4.
In one embodiment, the offline payment information processing method provided by the embodiment of the application, the device parameter information includes a device identifier, a network time protocol, a message queue telemetry transmission, a subscription topic, login information and consumption parameter information; may further include:
step 110, generating micro message queue connection information based on the device identification;
step 120, when the card swiping device is successfully connected to a wireless network, the network time protocol is successfully acquired, the message queue telemetry transmission is successfully connected, the subscription subject subscription is completed, the login information is completed, and the consumption parameter information is pulled to be completed, the card swiping device is determined to be in an online state.
Specifically, as shown in fig. 2, the device parameter information includes a device identifier, a network time protocol, a message queue telemetry transmission, a subscription topic, login information, and consumption parameter information; the device identification may be used to generate a micro message queue connection (i.e., LMQ connection information in fig. 2); and then wifi is connected, when the connection is successful, the NTP time is acquired, the MQTT (Message Queuing Telemetry Transport, message queue telemetry transmission) connection is performed by using the connection parameters generated by the device identifier, then the theme is subscribed, login information and the like are sent, and in the above operation processes, the device enters an offline mode under the failure condition, namely whether the card swiping device is in an online state or not can be determined through the flow in FIG. 2.
The embodiment accurately identifies whether the card swiping device is in an offline state through the flow in fig. 2.
The offline payment information processing apparatus provided by the present invention will be described below, and the offline payment information processing apparatus described below and the offline payment information processing method described above may be referred to correspondingly to each other.
Referring to fig. 7, the present invention further provides an offline payment information processing apparatus, including:
an offline state determining module 701, configured to obtain device parameter information of the card swiping device, and determine whether the card swiping device is in an offline state based on the device parameter information;
an offline payment amount determining module 702, configured to determine, when the card swiping device is in an offline state, whether an offline payment amount of the payment card is less than or equal to a preset offline payment threshold;
and the consumption information updating module 703 is configured to update consumption information of the payment card and determine that the payment of the card swiping device is completed when the offline payment amount is less than or equal to the preset offline payment threshold.
Optionally, the offline payment information processing apparatus further includes:
the online payment balance preservation module is used for determining online payment balance and offline payment total of a target account based on the balance of the target account and preserving the online payment balance under the target account of the server;
an offline payable amount determining module, configured to determine, when there are a plurality of payment cards corresponding to the target account, an offline payable amount of each of the payment cards based on the number of the payment cards and the offline payable total amount;
and the offline payable amount writing module is used for writing the offline payable amount into the payment card and taking the offline payable amount as the preset offline payment threshold.
Optionally, the offline payment information processing system further includes a server, and the offline payment information processing apparatus further includes:
the offline consumption record determining module is used for determining whether offline consumption records exist in the payment card or not under the condition that the card swiping equipment is in an online state and the payment card is detected;
the offline consumption record erasing module is used for uploading the offline consumption record to the server if the offline consumption record exists in the payment card, and erasing the offline consumption record in the card swiping device;
and the offline consumption amount clearing module is used for clearing the offline consumption amount in the server if the offline consumption record does not exist in the payment card and the offline consumption amount exists in the server.
Optionally, the device parameter information includes device identification, network time protocol, message queue telemetry transmission, subscription topic, login information, and consumption parameter information; the offline state judging module comprises:
the micro message queue connection information generation unit is used for generating micro message queue connection information based on the equipment identifier;
the on-line state determining unit of the card swiping device is used for determining that the card swiping device is in an on-line state when the card swiping device is successfully connected with a wireless network, the network time protocol is successfully acquired, the message queue telemetry transmission is successfully connected, subscription of the subscription subject is completed, login information is completed, and consumption parameter information is pulled to be completed.
Optionally, the offline consumption record erasing module includes:
an offline consumption record storage unit, configured to store, if the offline consumption record exists in the payment card, the offline consumption record to a memory of the card swiping device;
the card writing operation unit is used for writing the card to the payment card under the condition that the offline consumption record is successfully stored;
and the offline consumption record erasing unit is used for uploading the offline consumption record to the server and erasing the offline consumption record in the card swiping device under the condition that the card writing operation is successful.
Optionally, the offline spending amount clearing module includes:
a payment card information uploading unit, configured to upload information of the payment card to the server if the offline consumption record does not exist in the payment card;
an offline consumption amount determining unit, configured to determine whether an offline consumption amount exists in the server in a case where the server replies;
the offline consumption amount clearing unit is used for clearing the offline consumption amount in the server when the offline consumption amount exists in the server.
Optionally, the offline payment information processing apparatus further includes:
and the prompting module is used for prompting a user to use other payment cards when the offline payment amount is larger than the preset offline payment threshold value and the offline payment amount is smaller than or equal to the offline payment total.
Fig. 8 illustrates a physical structure diagram of an electronic device, as shown in fig. 8, which may include: processor 810, communication interface (Communications Interface) 820, memory 830, and communication bus 840, wherein processor 810, communication interface 820, memory 830 accomplish communication with each other through communication bus 840. The processor 810 may call logic instructions in the memory 830 to perform an offline payment information processing method.
Further, the logic instructions in the memory 830 described above may be implemented in the form of software functional units and may be stored in a computer-readable storage medium when sold or used as a stand-alone product. Based on this understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art or in a part of the technical solution, in the form of a software product stored in a storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server, a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk, or an optical disk, or other various media capable of storing program codes.
In yet another aspect, the present invention also provides a non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, is implemented to perform the offline payment information processing method provided by the above methods.
The apparatus embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
From the above description of the embodiments, it will be apparent to those skilled in the art that the embodiments may be implemented by means of software plus necessary general hardware platforms, or of course may be implemented by means of hardware. Based on this understanding, the foregoing technical solution may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a computer readable storage medium, such as ROM/RAM, a magnetic disk, an optical disk, etc., including several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method described in the respective embodiments or some parts of the embodiments.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present invention, and are not limiting; although the invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention.
Claims (10)
1. An offline payment information processing method, wherein the offline payment information processing method is applied to an offline payment information processing system, the offline payment information processing system comprises a card swiping device and a payment card, and the offline payment information processing method comprises the following steps:
acquiring equipment parameter information of the card swiping equipment, and determining whether the card swiping equipment is in an offline state or not based on the equipment parameter information;
judging whether the offline payment amount of the payment card is smaller than or equal to a preset offline payment threshold value under the condition that the card swiping equipment is in an offline state;
and updating consumption information of the payment card under the condition that the offline payment amount is smaller than or equal to the preset offline payment threshold value, and determining that the payment of the card swiping device is completed.
2. The offline payment information processing method according to claim 1, characterized in that the offline payment information processing method further comprises:
determining an online payment balance and an offline payment total of a target account based on the balance of the target account, and storing the online payment balance under the target account of the server;
determining offline payable amount of each payment card based on the number of the payment cards and the offline payment total amount under the condition that a plurality of payment cards corresponding to the target account exist;
writing the offline payable amount into the payment card, and taking the offline payable amount as the preset offline payment threshold.
3. The method according to claim 2, wherein the offline payment information processing system further comprises a server, wherein the acquiring the device parameter information of the card swiping device, and determining whether the card swiping device is in an offline state based on the device parameter information, comprises:
determining whether an offline consumption record exists in the payment card under the condition that the card swiping device is in an online state and the payment card is detected;
if the offline consumption record exists in the payment card, uploading the offline consumption record to the server, and erasing the offline consumption record in the card swiping device;
and if the offline consumption record does not exist in the payment card and the offline consumption amount exists in the server, clearing the offline consumption amount in the server.
4. The offline payment information processing method according to claim 1, wherein the device parameter information includes a device identification, a network time protocol, a message queue telemetry transmission, a subscription topic, login information, and consumption parameter information; the method is characterized in that the determining whether the card swiping device is in an offline state based on the device parameter information comprises the following steps:
generating micro-message queue connection information based on the device identification;
and under the conditions that the card swiping equipment is successfully connected with a wireless network, the network time protocol is successfully acquired, the message queue telemetry transmission is successfully connected, the subscription theme subscription is completed, the login information is completed, and the consumption parameter information is pulled out, determining that the card swiping equipment is in an online state.
5. The method according to claim 3, wherein if the offline consumption record exists in the payment card, uploading the offline consumption record to the server, and erasing the offline consumption record in the card swiping device comprises:
if the offline consumption record exists in the payment card, the offline consumption record is stored in a memory of the card swiping device;
under the condition that the offline consumption record is successfully stored, writing the payment card;
and uploading the offline consumption record to the server under the condition that the card writing operation is successful, and erasing the offline consumption record in the card swiping device.
6. The method according to claim 3, wherein if the offline consumption record does not exist in the payment card and the offline consumption amount exists in the server, clearing the offline consumption amount in the server includes:
if the offline consumption record does not exist in the payment card, uploading the information of the payment card to the server;
determining if an offline spending amount is present in the server if the server replies;
and if the offline consumption amount exists in the server, clearing the offline consumption amount in the server.
7. The method according to claim 2, wherein the determining whether the offline payment amount of the payment card is less than or equal to a preset offline payment threshold in the case where the card swiping device is in an offline state comprises:
and prompting a user to use other payment cards under the condition that the offline payment amount is larger than the preset offline payment threshold and is smaller than or equal to the offline payment total.
8. An offline payment information processing apparatus, characterized by comprising:
the off-line state judging module is used for acquiring the equipment parameter information of the card swiping equipment and determining whether the card swiping equipment is in an off-line state or not based on the equipment parameter information;
the off-line payment amount judging module is used for judging whether the off-line payment amount of the payment card is smaller than or equal to a preset off-line payment threshold value or not under the condition that the card swiping equipment is in an off-line state;
and the consumption information updating module is used for updating the consumption information of the payment card and determining that the payment of the card swiping device is completed under the condition that the offline payment amount is smaller than or equal to the preset offline payment threshold value.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the offline payment information processing method according to any one of claims 1 to 7 when executing the program.
10. A non-transitory computer readable storage medium having stored thereon a computer program, wherein the computer program when executed by a processor implements the offline payment information processing method according to any of claims 1 to 7.
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| CN202311084181.6A CN117291596A (en) | 2023-08-25 | 2023-08-25 | Offline payment information processing method, device, equipment and readable storage medium |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN117541318A (en) * | 2024-01-09 | 2024-02-09 | 前海超级前台(深圳)信息技术有限公司 | Offline consumption intelligent evaluation and supervision method, system and medium |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117541318A (en) * | 2024-01-09 | 2024-02-09 | 前海超级前台(深圳)信息技术有限公司 | Offline consumption intelligent evaluation and supervision method, system and medium |
| CN117541318B (en) * | 2024-01-09 | 2024-04-02 | 前海超级前台(深圳)信息技术有限公司 | Offline consumption intelligent evaluation and supervision method, system and medium |
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