本發明的實施例中，使用者和收款方在某個支付系統中開設有各自的帳戶，該支付系統中由支付伺服器來回應使用者終端和收款方系統的各種請求，並進行使用者的帳戶與收款方帳戶之間的轉帳。收款方系統包括收款伺服器和收款設備，收款伺服器負責與支付伺服器進行通訊，收款設備用來在雙離線支付環境中確定是否認可使用者的付款，收款設備在非離線的情況下與收款伺服器進行通訊，在離線的情況下收款設備通常不能與收款伺服器進行通訊。
其中，使用者終端可以是手機、平板電腦、PC(Personal Computer，個人電腦)、筆記型電腦等設備；收款設備可以是具有生物特徵採集功能的固定或手持設備，如手機、平板電腦、PC、筆記型電腦、監控設備等；支付伺服器或收款伺服器可以是一個實體或邏輯伺服器，也可以是由兩個或兩個以上分擔不同職責的實體或邏輯伺服器、相互合作來實現本發明實施例中支付伺服器或收款伺服器的各項功能；以上均不做限定。
本發明的各個實施例中，支付場景資訊用來確定收款方系統中將在雙離線環境中接受使用者付款的收款設備，或者說用來確定收款方系統中保存使用者生物特徵範本的收款設備。可以根據實際應用場景中收款方系統的組成和運營方式，來決定將哪些具體資訊作為支付場景資訊，不做限定，只要能夠根據支付場景資訊確定將在雙離線環境中為使用者提供收款服務的是哪個或哪些收款設備即可。以下舉例說明。
在第一個例子中，使用者可以指定經常乘坐的公共交通線路，在這些公共交通線路上通過生物特徵認證來支付乘車費。如果收款方系統只服務於一個城市，可以將公共交通線路作為支付場景資訊。如果收款方系統服務於多個城市，可以將城市標識(如名稱或唯一代碼)和公共交通線路作為支付場景資訊；若每個城市均使用各自類型的公共交通卡(即公共交通卡類型唯一對應於一個城市)，則可以將公共交通線路和使用者的公共交通卡類型作為支付場景資訊。該使用者的生物特徵範本將被下發到該公共交通線路所有公車的所有收款設備上，使使用者可以在乘坐該次公共交通線路時基於生物特徵來付款。
在第二個例子中，使用者能夠在乘坐鐵路列車時使用雙離線支付功能。可以將使用者乘坐的鐵路車次及日期作為支付場景資訊，該使用者的生物特徵範本將被下發到該次列車所有的收款設備上，使使用者可以在該次列車上基於生物特徵來付款。
在第三個例子中，使用者能夠在乘坐飛機時使用雙離線支付功能。可以將使用者乘坐的航班及日期作為支付場景資訊，該使用者的生物特徵範本將被下發到該次航班所有的收款設備上，使使用者可以在該次列車上基於生物特徵來付款。
本發明的各個實施例中，使用者的生物特徵是可以用來識別個人身份的一種到多種人體的實體或行為特徵，例如可以是人臉、指紋、掌紋、虹膜中的一到多種。使用者的生物特徵資訊是現場採集的使用者的生物特徵資料，或者是以現場採集的使用者的生物特徵資料為基礎，經過提取、轉換或其他處理後得到的資訊，例如可以是現場採集的使用者的指紋圖像，可以是從現場採集的使用者的臉部圖像中提取的若干個特定的變數值(如衡量雙眼與鼻子的相對位置的變數值等)，還可以是現場採集的將臉部圖像進行壓縮處理後得到的資料。使用者的生物特徵範本是經過認證屬於使用者本人的生物特徵資料，或者經過認證屬於使用者本人的生物特徵資料為基礎，經過提取、轉換或其他處理後得到的資料，用來與生物特徵資訊進行比對。
在雙離線支付環境中，收款方的收款設備通過使用者的生物特徵對使用者進行認證，在通過認證後才會認可使用者的付款。由於雙離線環境中收款設備不能進行遠端通訊，用來進行認證的使用者的生物特徵範本需要預先儲存在收款設備上。出於保護使用者隱私的考慮，本申請的實施例中在使用者開通基於生物特徵的雙離線支付功能、即經過使用者的授權後，才會將使用者的生物特徵範本下發到收款設備。
本發明的實施例一提出一種新的雙離線支付的開通方法，根據使用者指定的開通雙離線支付的支付場景，使用者終端將支付場景資訊發送給支付伺服器，支付伺服器產生並保存支付場景資訊、使用者的生物特徵範本、使用者的帳戶的對應關係後，將對應關係發送給收款方系統保存，這樣收款方系統的收款設備能夠在匹配於支付場景資訊的雙離線支付場景中，基於生物特徵範本對使用者進行認證後認可該使用者帳戶的付款，從而使得使用者能夠在雙離線支付場景中直接使用其生物特徵資訊完成付款，減少了使用者的支付時間，而基於生物特徵的認證具有更高的安全程度，在提高支付效率的同時達到了更好的安全性。
在開通雙離線支付功能時，使用者終端與支付伺服器之間、支付伺服器與收款方系統的收款伺服器之間、收款伺服器與收款設備之間都能夠進行通訊。其網路結構可以如圖1所示。
實施例一中，雙離線支付的開通方法應用在支付伺服器上的流程如圖2所示，應用在收款方系統的收款伺服器的流程如圖3所示，應用在使用者終端上的流程如圖4所示。
在使用者終端上，步驟410，獲取使用者指定的支付場景資訊。
當使用者希望在某個特定的雙離線支付場景中採用某個支付系統進行支付時，可以通過其終端來開通該支付場景下的生物特徵支付功能。使用者可以通過各種方式來啟動開通流程，例如，可以通過在使用者終端上該支付系統的客戶端軟體提供的開通入口，可以通過使用者終端上的流覽器訪問該支付系統時啟動開通流程，還可以是由該使用者終端上其他的應用程式訪問該支付系統或調用該支付系統的客戶端軟體來啟動開通流程。
在使用者啟動開通流程後，使用者終端獲取使用者指定的支付場景資訊。獲取支付場景資訊的具體方式本發明的實施例不做限定，例如，可以由使用者終端根據使用者在該支付系統的客戶端軟體的開通介面的選擇操作來確定，可以由使用者終端接收使用者在訪問該支付系統的流覽頁面時的手動輸入，可以由使用者終端上調用該支付系統客戶端軟體的其他應用程式在調用命令中攜帶。
在使用者終端上，步驟420，根據使用者的指示，向支付伺服器發送包括該支付場景資訊的使用者開通請求，供支付伺服器保存該支付場景資訊、該使用者的生物特徵範本、該使用者的帳戶的對應關係，並將該使用者的生物特徵範本和該使用者帳戶的對應關係發送給收款方系統，用來由收款方系統的收款設備在匹配於該支付場景資訊的雙離線支付場景中，基於該生物特徵範本對使用者進行認證，在認證通過後認可該使用者帳戶的付款。
在支付伺服器上，步驟210，接收使用者終端發送的使用者開通請求。該使用者開通請求中包括使用者指定的支付場景資訊。
使用者終端在獲取使用者指定的支付場景資訊後，將支付場景資訊封裝在使用者開通請求中發送給支付伺服器。
在支付伺服器上，步驟220，獲取該使用者的生物特徵範本。
通常使用者終端在啟動開通流程時，該使用者已經登錄支付系統。支付伺服器可以從該使用者的登錄資訊中得知該使用者的帳戶，並基於使用者帳戶來獲取該使用者的生物特徵範本。
支付伺服器獲取生物特徵範本的方式不做限定，可以由支付伺服器向官方機構(如公安機關)請求該使用者的生物特徵範本；可以由支付伺服器在本支付系統已經儲存的生物特徵範本庫中查詢該使用者的生物特徵範本；可以由支付伺服器在收到使用者開通請求後，在通過其他方式(除所開通的雙離線支付功能所使用的生物特徵認證之外的其他身份認證方式，如密碼、短信、安全問題等)對使用者進行身份認證後，指令該使用者終端獲取並上傳該使用者的生物特徵資訊，並根據上傳的生物特徵資訊產生該使用者的生物特徵範本；還可以是其他方式。
在支付伺服器上，步驟230，保存該支付場景資訊、該使用者的生物特徵範本、該使用者的帳戶的對應關係。
可以在支付伺服器上維護已開通雙離線支付功能的使用者列表，在准許某個使用者開通某個雙離線支付場景的支付功能後，將該使用者指定的支付場景資訊、該使用者的生物特徵範本、該使用者的帳戶的對應關係保存在列表中。當然，支付伺服器也可以採用任何其他方式來保存上述對應關係，不做限定。
支付伺服器可以在保存上述對應關係前，先對使用者進行身份認證。在一個例子中，可以由使用者終端在開通流程中採集使用者的生物特徵資訊，並將所採集的生物特徵資訊上傳給支付伺服器。可以由使用者終端在使用者開通請求中攜帶所採集的生物特徵資訊；也可以是在使用者終端發送使用者開通請求後，再根據支付伺服器的指令，採集並上傳使用者的生物特徵資訊。支付伺服器將使用者終端上傳的使用者的生物特徵資訊、與該使用者的生物特徵範本進行比對，如果該使用者的生物特徵資訊匹配於該使用者的生物特徵範本，該使用者通過身份認證，則保存該支付場景資訊、該使用者的生物特徵範本、該使用者帳戶的對應關係；否則通知使用者終端該使用者未能通過身份認證，開通流程失敗。
在支付伺服器上，步驟240，向收款方系統發送系統開通請求。系統開通請求中包括使用者指定的支付場景資訊、該使用者的生物特徵範本與該使用者的帳戶的對應關係，供收款方系統的收款設備在匹配於該支付場景資訊的雙離線支付場景中，基於該生物特徵範本對使用者進行認證，在認證通過後認可該使用者帳戶的付款。
在收款伺服器，步驟310，接收來自支付伺服器的系統開通請求。
在收款伺服器，步驟320，根據該支付場景資訊確定收款設備，向收款設備下發該使用者的生物特徵範本和該使用者帳戶的對應關係，用來由收款方系統的收款設備在匹配於使用者指定的支付場景資訊的雙離線支付場景中，基於該生物特徵範本對使用者進行認證，在認證通過後認可該使用者帳戶的付款。
根據保存的支付場景資訊、使用者的生物特徵範本、和使用者帳戶的對應關係，支付伺服器產生系統開通請求，系統開通請求中包括請求開通的使用者指定的支付場景資訊、使用者的生物特徵範本、和使用者帳戶的對應關係。
支付伺服器向收款方系統的收款伺服器發送系統開通請求。收款伺服器在收到系統開通請求後，可以將系統開通請求中使用者指定的支付場景資訊、該使用者的生物特徵範本和該使用者帳戶的對應關係保存在能夠訪問的儲存空間。
收款伺服器根據系統開通請求中的支付場景資訊確定收款設備，並向收款設備下發該使用者的生物特徵範本與該使用者帳戶的對應關係；收款設備將使用者的生物特徵範本與使用者帳戶的對應關係保存在本地。收款伺服器也可以向收款設備下發支付場景資訊、使用者的生物特徵範本、使用者帳戶的對應關係，收款設備收到後保存在本地。
可見，本發明的實施例一中，使用者終端基於使用者指定的支付場景資訊向支付伺服器發出使用者開通請求，支付伺服器產生並保存支付場景資訊、使用者的生物特徵範本、使用者的帳戶的對應關係後，將對應關係發送給收款方系統保存，供收款方系統在匹配於支付場景資訊的雙離線支付場景中，基於生物特徵範本對使用者進行認證後認可該使用者帳戶的付款，使得使用者能夠在雙離線支付場景中直接使用其生物特徵資訊完成付款，減少了使用者的支付時間，而基於生物特徵的認證具有更高的安全程度，在提高支付效率的同時達到了更好的安全性。
本發明的實施例二提出一種新的雙離線支付的收款方法，在收款設備上保存使用者的生物特徵範本、與使用者帳戶的對應關係，收款設備在雙離線只支付場景中採集使用者的生物特徵資訊，將與採集的生物特徵資訊相匹配的生物特徵範本對應的使用者帳戶作為付款方，認可該使用者的付款，從而使得使用者無需進行複雜的操作來產生付款碼，減少了使用者的支付時間，並且採用生物特徵認證能夠達到更高的安全性。
開通雙離線支付功能後，在使用者指定的雙離線支付場景中，使用者可以通過生物特徵來付款。付款過程通常由收款設備獨立完成，在付款過程中收款設備不需要與其他設備進行通訊。
實施例二中，雙離線支付的付款方法應用在收款設備上的流程如圖5所示。收款設備上保存有已經開通了在本收款設備工作的支付場景中進行雙離線支付的所有使用者的生物特徵範本和該使用者的帳戶的對應關係；換言之，使用者在開通雙離線支付功能時指定了支付場景資訊，具有指定支付場景資訊的支付場景中的收款設備上就會保存有該使用者的生物特徵範本和該使用者的帳戶的對應關係。
在收款設備上，步驟510，在雙離線支付場景中，獲取使用者的生物特徵資訊。
收款設備可以在雙離線支付場景中，採用各種方式現場採集使用者的生物特徵資訊，如拍攝使用者的臉部圖像、採集使用者的指紋圖像等，不做限定。
在收款設備上，步驟520，當所獲取的生物特徵資訊匹配於本地保存的對應關係中某個使用者的生物特徵範本時，認可該使用者的帳戶的付款，並保存所獲取的生物特徵資訊和相對應的該使用者帳戶。
在獲取使用者的生物特徵資訊後，收款設備將保存的已開通雙離線支付功能的各個使用者的生物特徵範本、與獲取的生物特徵資訊進行比對，如果某個使用者的生物特徵範本匹配於所獲取的生物特徵資訊，則收款設備認可對應於該生物特徵範本的使用者帳戶的付款，也就是說對應於與所獲取的生物特徵資訊相匹配的生物特徵資料的使用者帳戶將用來向收款方進行款項轉移；收款設備在所獲取的生物特徵資訊和用來付款的該使用者帳戶之間建立對應關係，並保存所獲取的生物特徵資訊和相對應的該使用者帳戶。
收款設備判斷所採集的生物特徵資訊與保存的生物特徵範本是否匹配的具體方式可參照現有技術實現，不再贅述。
根據實際應用場景中收款事務的具體要求，收款設備在保存所獲取的生物特徵資訊和相對應的使用者帳戶時，還可以保存與本次收款相關的款項資訊。款項資訊可以是在該實際應用場景中用來確定收款金額的任何資訊，例如在公共交通乘車費的雙離線支付場景中，可以是該使用者的車費，也可以是該使用者的上車站名和下車站名，還可以是該使用者上下車之間的車站數量；再如在飛機航班的雙離線支付場景中，可以是使用者在飛機上購買的商品或服務的名稱及價格。
收款設備還可以保存認可使用者支付的支付場景的支付場景資訊、所獲取的生物特徵資訊和相對應的使用者帳戶。其中，支付場景資訊可以由收款設備自己產生，也可以由收款設備從保存在本地的已開通雙離線支付的使用者指定的支付場景資訊、使用者的生物特徵範本和使用者帳戶的對應關係中獲取。
如果收款設備獲取的生物特徵資訊，與保存的生物特徵範本和使用者帳戶的對應關係中的任何一個生物特徵範本都不匹配，則收款設備不認可該使用者的付款，該使用者需要採用其他方式來進行支付。
可見，本發明的實施例二中，收款設備在雙離線支付場景中現場採集使用者的生物特徵資訊，與其保存的使用者的生物特徵範本與使用者帳戶的對應關係中的生物特徵範本進行比對，並認可相匹配的生物特徵範本對應的使用者帳戶的付款，使得使用者擺脫了產生付款碼的繁瑣操作，在減少了使用者支付時間的同時達到了更高的支付安全性。
本發明的實施例三提出一種新的雙離線支付的結算方法，收款伺服器將認可使用者付款的支付場景的支付場景資訊、在該支付場景中採集的使用者生物特徵資訊、使用者的帳戶和款項資訊發送給支付伺服器，支付伺服器驗證使用者生物特徵資訊與保存的對應於該雙離線支付場景的支付場景資訊以及該使用者帳戶的使用者生物特徵範本相匹配後，按照款項資訊進行轉帳，從而使得使用者在雙離線只支付環境中無需進行複雜的操作來產生付款碼即可進行支付，減少了使用者的支付時間，並且採用生物特徵認證能夠達到更高的安全性。
當收款方系統的收款設備在雙離線支付環境中認可使用者的付款後，在收款設備離開雙離線環境，恢復遠端網路連通後，收款方系統可以與支付伺服器進行結算，將在雙離線環境中認可的使用者付款所對應的款項從使用者在支付伺服器的帳戶劃轉到收款方的帳戶中。
雙離線支付的結算過程通常不需要使用者和使用者終端的參與。結算過程中收款設備與收款伺服器之間、收款伺服器與支付伺服器之間都能夠進行通訊，其中，收款方系統的組成以及和支付伺服器的通訊方式可以與圖1所示的網路相同。
實施例三中，支付伺服器上保存有開通雙離線支付的使用者指定的支付場景資訊、使用者的生物特徵範本和使用者帳戶的對應關係，收款方系統的收款設備上保存有開通雙離線支付的使用者的生物特徵範本和使用者帳戶的對應關係、以及在認可使用者付款時採集的使用者的生物特徵資訊和相對應的用來付款的使用者帳戶。此外，收款方系統還可以在收款伺服器上保存有開通雙離線支付的使用者指定的支付場景資訊、使用者的生物特徵範本和使用者帳戶的對應關係。
實施例三中，雙離線支付的結算方法應用在收款方系統的收款伺服器的流程如圖6所示，應用在支付伺服器的流程如圖7所示。
在收款伺服器上，步驟610，接收收款設備的扣款請求。扣款請求中包括收款設備在認可使用者付款的支付場景中獲取的使用者的生物特徵資訊和相對應的使用者的帳戶、以及款項資訊。其中，款項資訊可以是實際應用場景中使支付伺服器能夠確定要從使用者帳戶轉帳到收款方帳戶的款項的具體數額的任意資訊，不做限定。
收款方系統在收款設備脫離雙離線支付環境後，可以與支付伺服器就在雙離線場景中認可的使用者付款進行結算。具體的，收款設備在恢復與收款伺服器的網路連接後，將在認可使用者付款的雙離線場景中採集的使用者的生物特徵資訊與相對應的使用者帳戶、以及款項資訊封裝在扣款請求中，發送給收款伺服器。收款設備也可以將認可使用者付款的雙離線支付場景的支付場景資訊一併封裝在扣款請求中。
在收款伺服器上，步驟620，向支付伺服器發送結算請求。結算請求中包括認可使用者付款的支付場景的支付場景資訊、在該支付場景中獲取的使用者的生物特徵資訊和相對應的使用者帳戶、以及款項資訊。
在支付伺服器上，步驟710，從收款方系統接收結算請求。
收款伺服器接收扣款請求後，如果扣款請求中沒有攜帶支付場景資訊，可以根據發送該扣款請求的收款設備確定該請求涉及的認可使用者付款的雙離線支付場景的支付場景資訊；如果扣款請求中攜帶有支付場景資訊，收款伺服器可以直接從扣款請求中提取支付場景資訊。收款伺服器將該扣款請求涉及的支付場景資訊(即認可使用者付款的支付場景的支付場景資訊)、扣款請求中使用者的生物特徵資訊與相對應的使用者帳戶、和款項資訊封裝在結算請求中，發送給支付伺服器。
如果收款伺服器保存了已開通雙離線支付的使用者指定的支付場景資訊、使用者的生物特徵範本、和使用者帳戶的對應關係，則可以在保存的對應關係中，查詢與扣款請求涉及的支付場景資訊和扣款請求中使用者帳戶相對應的生物特徵範本，將查詢到的生物特徵範本與扣款請求中的生物特徵資訊進行比對；如果兩者相匹配，則扣款請求中的生物特徵資訊通過驗證，收款伺服器將該扣款請求涉及的支付場景資訊、扣款請求中使用者的生物特徵資訊與相對應的使用者帳戶、和款項資訊封裝在結算請求中，發送給支付伺服器。如果收款伺服器未查詢到與扣款請求涉及的支付場景資訊和扣款請求中使用者帳戶相對應的生物特徵範本，或者查詢到的生物特徵範本與扣款請求中的生物特徵資訊不匹配，則收款伺服器不會根據該扣款請求產生結算請求。
在支付伺服器上，步驟720，採用保存的對應關係中與結算請求中使用者的帳戶和匹配於認可使用者付款的支付場景的支付場景資訊相對應的使用者的生物特徵範本，對結算請求中的生物特徵資訊進行驗證，在驗證通過後根據款項資訊進行從該使用者的帳戶到收款方帳戶的轉帳。
支付伺服器上保存有已開通雙離線支付的使用者指定的支付場景資訊、使用者的生物特徵範本和使用者的帳戶的對應關係。支付伺服器在所保存的對應關係中，查找與結算請求中的支付場景資訊、使用者帳戶對應的生物特徵範本。
在找到對應的生物特徵範本後，支付伺服器比對查找到的生物特徵範本與結算請求中的生物特徵資訊是否相匹配。如果兩者相匹配，結算請求中的生物特徵資訊通過驗證，支付伺服器執行從結算請求中的使用者帳戶向收款方帳戶的轉帳，轉帳金額由結算請求中的款項資訊來確定。
在支付伺服器上，步驟730，向收款方系統返回結算回應。
在收款伺服器上，步驟630，接收支付伺服器返回的結算回應。結算回應由支付伺服器根據所保存的對應關係中，與認可使用者付款的支付場景的支付場景資訊和所述結算請求中的使用者帳戶對應的使用者的生物特徵範本，是否匹配於結算請求中的生物特徵資訊的驗證結果返回。
在支付伺服器完成從結算請求中的使用者帳戶向收款方帳戶的轉帳後，向收款伺服器返回結算成功的結算回應。如果支付伺服器在所保存的對應關係中沒有找到與結算請求涉及的支付場景資訊、結算請求中使用者帳戶對應的生物特徵範本，則向收款伺服器返回結算失敗的結算回應。如果結算請求中的生物特徵資訊未能通過支付伺服器的驗證，支付伺服器也向收款伺服器返回結算失敗的結算回應。
可見，在本發明實施例三中，收款方系統將在雙離線支付場景的支付場景資訊、在該支付場景中採集的使用者生物特徵資訊、相對應的使用者帳戶和款項資訊發送給支付伺服器，支付伺服器驗證使用者生物特徵資訊與保存的對應於該雙離線支付場景的支付場景資訊以及該使用者帳戶的使用者生物特徵範本相匹配後，進行款項的劃轉，使得使用者在雙離線支付場景中不需要通過繁瑣的操作產生支付碼，直接使用其生物特徵資訊即可完成付款，減少了使用者的支付時間，並且達到了更高的安全性。
上述對本發明特定實施例進行了描述。其它實施例在所附申請專利範圍之範圍內。在一些情況下，在申請專利範圍中記載的動作或步驟可以按照不同於實施例中的順序來執行並且仍然可以實現期望的結果。另外，在圖式中描繪的過程不一定要求示出的特定順序或者連續順序才能實現期望的結果。在某些實施方式中，多工處理和並行處理也是可以的或者可能是有利的。
在本發明的一個應用示例中，某個第三方支付機構與公共交通公司聯合向乘客提供刷臉乘車的功能。該第三方支付機構向使用者發行虛擬的公共交通卡，使用者可以使用公共交通卡來乘坐公車輛，公共交通卡的費用通過該使用者在該第三方支付機構的帳戶進行結算，本應用示例中使用者的帳戶包括兩個部分，該使用者在該第三方支付機構的帳戶和公共交通卡號。每個城市分別發行不同類型的公共交通卡，使用者的公共交通卡類型和公共交通卡號由使用者終端上該第三方支付結構的客戶端App保存在終端本地。
本應用示例中，公共交通公司的系統(收款方系統)包括收款伺服器和設置在公車上的機具(一種收款設備)。其中，收款伺服器包括公共交通公司後臺伺服器和機具後臺伺服器，公共交通公司後臺伺服器負責與第三方支付機構的支付伺服器進行通訊，每個機具後臺伺服器分別負責與某個城市的若干條公共交通線路上的機具進行通訊。
使用者在刷臉乘公共交通前，先要開通在其指定線路上的刷臉乘車功能。開通流程中使用者終端、支付伺服器、公共交通公司後臺伺服器、機具後臺伺服器和機具間的交互流程如圖8所示。
使用者在終端上該第三方支付機構的支付App中指定要開通的公共交通線路，並指令開通刷臉乘車功能。支付App接收使用者輸入的公共交通線路，獲取使用者終端上保存的公共交通卡類型和公共交通卡號，將公共交通線路和公共交通卡類型作為支付場景資訊，將支付場景資訊和公共交通卡號封裝在使用者開通請求中，發送給支付伺服器。
支付伺服器根據使用該支付App的使用者帳戶，從公安系統的伺服器獲取該使用者的人臉範本(一種生物特徵範本)。支付伺服器指令該支付App發起人臉校驗，使用者終端上的支付App採集使用者的臉部圖像(一種生物特徵資訊)上傳給支付伺服器。支付伺服器檢驗上傳的臉部圖像是否與該使用者的人臉範本相匹配，如果匹配，支付伺服器將使用者開通請求中使用者指定的公共交通線路、公共交通卡類型、公共交通卡號、該使用者的人臉範本、該使用者在第三方支付機構的帳戶的對應關係保存起來，並且將該對應關係封裝在系統開通請求中，發送給公共交通公司後臺伺服器。
公共交通公司後臺伺服器將系統開通請求中使用者指定的公共交通線路、公共交通卡類型、公共交通卡號、該使用者的人臉範本、該使用者在第三方支付機構的帳戶的對應關係保存起來，根據公共交通卡類型和使用者指定的公共交通線路確定機具後臺伺服器，向所確定的機具後臺伺服器下發公共交通線路、公共交通卡類型、公共交通卡號、該使用者的人臉範本、該使用者在第三方支付機構的帳戶的對應關係。機具後臺伺服器向該公共交通線路上所有的機具下發該使用者的人臉範本、公共交通卡類型、公共交通卡號和該使用者在第三方支付機構的帳戶的對應關係。機具收到後將下發的對應關係保存在本地，並向機具後臺伺服器返回保存成功的回應。
在該公共交通線路上所有的機具都向機具後臺伺服器返回保存成功的回應後，機具後臺伺服器向公共交通公司後臺伺服器返回下發成功的回應，公共交通公司後臺伺服器向支付伺服器返回開通成功的回應。支付伺服器通知該支付App開通成功，該支付App顯示給使用者。如果有使用者指定公共交通線路上的機具向機具後臺伺服器返回保存不成功的回應，則機具後臺伺服器向公共交通公司後臺伺服器返回保存不成功的回應，公共交通公司後臺伺服器向支付伺服器返回開通失敗的回應。支付伺服器通知該支付App開通失敗，該支付App顯示給使用者。
在使用者開通刷臉乘車功能後，就可以在其指定的公共交通線路上刷臉乘車。指定公共交通線路上的每台機具都保存有所有開通該公共交通線路雙離線支付的使用者的人臉範本、公共交通卡類型、公共交通卡號和使用者在第三方支付機構的帳戶的對應關係。當使用者乘坐其指定公共交通線路的公車時，公車上的機具現場採集使用者的臉部圖像，和保存的開通雙離線支付的使用者的人臉範本進行比對，如果有某個人臉範本和採集的臉部圖像相匹配，則該人臉範本對應的公共交通卡號和使用者在第三方支付機構的帳戶即為該次乘車費的付款方。機具提示使用者刷臉成功，保存採集的臉部圖像與該付款方，即公共交通卡號和使用者在第三方支付機構的帳戶、以及該使用者的公共交通卡類型的對應關係，並保存該使用者的本次乘車的乘車費用(一種款項資訊)。
如果沒有人臉範本與採集的臉部圖像相匹配，機具提示使用者刷臉失敗，使用者可採用其他方式支付乘車費。
在公車上的機具恢復與機具後臺伺服器的網路通訊後，可以將雙離線運營時認可的使用者付費資訊上報，以便由公共交通公司後臺伺服器來與支付伺服器進行結算。結算過程中支付伺服器、公共交通公司後臺伺服器、機具後臺伺服器和機具間的交互流程如圖9所示。
機具將本機具所在的公共交通線路、本機具保存的在使用者乘車時採集的臉部圖像、相對應的公共交通卡類型、公共交通卡號和使用者在第三方支付機構的帳戶、該使用者的乘車費用封裝在扣款請求中發送給機具後臺伺服器。機具後臺伺服器將扣款請求轉發給公共交通公司後臺伺服器。
公共交通公司後臺伺服器提取扣款請求中的公共交通線路、公共交通卡類型、公共交通卡號和使用者在第三方支付機構的帳戶，在保存的已開通刷臉乘車的使用者指定的公共交通線路、公共交通卡類型、公共交通卡號、該使用者的人臉範本、該使用者在第三方支付機構的帳戶的對應關係中查找對應的使用者人臉範本，通過比對扣款請求中的人臉圖像是否匹配於使用者的人臉範本來對扣款請求中的人臉圖像進行驗證。在通過驗證後，公共交通公司後臺伺服器將公共交通卡類型、扣款請求中的公共交通線路、公共交通卡號、使用者在第三方支付機構的帳戶、使用者的人臉圖像和乘車費用封裝在結算請求中，發送給支付伺服器。
支付伺服器提取結算請求中的公共交通卡類型、公共交通線路、公共交通卡號和使用者在第三方支付機構的帳戶，在保存的已開通刷臉乘車的使用者指定的公共交通線路、公共交通卡類型、公共交通卡號、該使用者的人臉範本、該使用者在第三方支付機構的帳戶的對應關係中查找對應的使用者人臉範本，通過比對結算請求中的人臉圖像是否匹配於查找到的人臉範本來對結算請求中的人臉圖像進行驗證。
在結算請求中的人臉圖像通過驗證後，支付伺服器在結算請求中使用者在第三方支付機構的帳戶中扣除額度為結算請求中乘車費用的款項，在公共交通公司在該第三方支付機構的帳戶中增加額度為結算請求中乘車費用的款項。支付伺服器向公共交通公司後臺伺服器返回結算成功的結算回應。
與上述流程實現對應，本發明的實施例還提供了一種應用於支付伺服器的雙離線支付的開通裝置、一種應用於收款方系統的雙離線支付的開通裝置、一種應用於使用者終端的雙離線支付的開通裝置、一種應用於收款方系統收款設備的雙離線支付的收款裝置、一種應用於收款方系統的雙離線支付的結算裝置、和一種應用於支付伺服器的雙離線支付的結算裝置。上述裝置均可以通過軟體實現，也可以通過硬體或者軟硬體結合的方式實現。以軟體實現為例，作為邏輯意義上的裝置，是通過所在設備的CPU(Central Process Unit，中央處理器)將對應的電腦程式指令讀取到記憶體中運行形成的。從硬體層面而言，除了圖10所示的CPU、記憶體以及儲存器之外，上述裝置所在的設備通常還包括用於進行無線訊號收發的晶片等其他硬體，和/或用於實現網路通訊功能的板卡等其他硬體。
本發明實施例提供了一種雙離線支付的開通裝置，應用於支付伺服器，所述裝置包括使用者開通接收單元、特徵範本獲取單元、第一開通儲存單元和系統開通發送單元，其中：使用者開通接收單元用於接收使用者終端發送的使用者開通請求；所述使用者開通請求中包括使用者指定的支付場景資訊；特徵範本獲取單元用於獲取所述使用者的生物特徵範本；第一開通儲存單元用於保存所述支付場景資訊、所述使用者的生物特徵範本、所述使用者的帳戶的對應關係；系統開通發送單元用於向收款方系統發送系統開通請求，所述系統開通請求中包括所述使用者指定的支付場景資訊、所述使用者的生物特徵範本與所述使用者的帳戶的對應關係，供收款方系統的收款設備在匹配於所述支付場景資訊的雙離線支付場景中，基於所述生物特徵範本對使用者進行認證，在認證通過後認可所述使用者帳戶的付款。
可選的，所述裝置還包括特徵資訊接收單元，用於接收所述使用者終端採集並上傳的所述使用者的生物特徵資訊；所述第一開通儲存單元具體用於：當所述使用者終端上傳的生物特徵資訊匹配於所述使用者的生物特徵範本時，保存所述支付場景資訊、所述使用者的生物特徵範本、所述使用者的帳戶的對應關係。
本發明實施例提供了一種雙離線支付的開通裝置，應用於收款方系統的收款伺服器，所述裝置包括系統開通接收單元和範本與帳戶下發單元，其中：系統開通接收單元用於接收來自支付伺服器的系統開通請求，所述系統開通請求中包括請求開通的使用者指定的支付場景資訊、所述使用者的生物特徵範本和所述使用者的帳戶的對應關係；範本與帳戶下發單元，用於根據所述支付場景資訊確定收款設備，向所述收款設備下發所述使用者的生物特徵範本和所述使用者帳戶的對應關係，用來由所述收款方系統的收款設備在匹配於所述使用者指定的支付場景資訊的雙離線支付場景中，基於所述生物特徵範本對使用者進行認證，在認證通過後認可所述使用者帳戶的付款。
一個例子中，所述支付場景資訊包括公共交通線路和公共交通卡類型；所述收款伺服器包括公共交通公司後臺伺服器和機具後臺伺服器；所述使用者的帳戶包括所述使用者在支付伺服器的帳戶和所述使用者的公共交通卡號；所述範本與帳戶下發單元具體用於：由公共交通公司後臺伺服器根據公共交通線路和公共交通卡類型確定機具後臺伺服器，向所述機具後臺伺服器下發公共交通線路、所述使用者的生物特徵範本、所述使用者帳戶的對應關係；由機具後臺伺服器向所述公共交通線路上所有的收款設備下發所述使用者的生物特徵範本和所述使用者帳戶的對應關係。
本發明實施例提供了一種雙離線支付的開通裝置，應用於使用者終端，所述裝置包括支付場景指定單元和使用者開通發送單元，其中：支付場景指定單元用於獲取使用者指定的支付場景資訊；使用者開通發送單元用於根據使用者的指示，向支付伺服器發送包括所述支付場景資訊的使用者開通請求，供支付伺服器保存所述支付場景資訊、所述使用者的生物特徵範本、所述使用者的帳戶的對應關係，並將所述使用者的生物特徵範本和所述使用者帳戶的對應關係發送給收款方系統，用來由收款方系統的收款設備在匹配於所述支付場景資訊的雙離線支付場景中，基於所述生物特徵範本對使用者進行認證，在認證通過後認可所述使用者帳戶的付款。
可選的，所述裝置還包括：開通特徵資訊單元，用於採集所述使用者的生物特徵資訊並上傳給支付伺服器，供支付伺服器在保存所述支付場景資訊、所述使用者的生物特徵範本、所述使用者的帳戶的對應關係前，根據上傳的生物特徵資訊和所述使用者的生物特徵範本，對所述使用者進行認證。
可選的，所述支付場景指定單元具體用於：接收使用者輸入的公共交通線路，獲取所述使用者終端上保存的公共交通卡類型，採用公共交通線路和公共交通卡類型產生支付場景資訊；所述裝置還包括公共交通卡號獲取單元，用於獲取所述使用者終端上保存的使用者的公共交通卡號；所述使用者的帳戶包括：所述使用者在支付伺服器的帳戶和所述使用者的公共交通卡號。
可選的，所述使用者指定的支付場景資訊包括以下之一：公共交通線路、航班及日期、或鐵路車次及日期；所述生物特徵包括以下之一：人臉、指紋、或虹膜。
本發明實施例提供了一種雙離線支付的收款裝置，應用於收款方系統的收款設備，所述收款設備上保存有已開通雙離線支付的使用者的生物特徵範本和所述使用者的帳戶的對應關係，所述裝置包括特徵資訊採集單元和付款驗證單元，其中：特徵資訊採集單元用於在雙離線支付場景中，獲取使用者的生物特徵資訊；付款驗證單元用於當所獲取的生物特徵資訊匹配於本地保存的對應關係中某個使用者的生物特徵範本時，認可所述使用者帳戶的付款，並保存所獲取的生物特徵資訊和相對應的所述使用者的帳戶。
可選的，所述支付場景資訊包括以下之一：公共交通線路、航班及日期、或鐵路車次及日期；所述生物特徵包括以下之一：人臉、指紋、或虹膜。
本發明實施例提供了一種雙離線支付的結算裝置，應用於收款方系統的收款伺服器，所述裝置包括扣款請求接收單元、結算請求發送單元和結算回應接收單元，其中：扣款請求接收單元用於接收收款設備的扣款請求，所述扣款請求中包括收款設備在認可使用者付款的支付場景中獲取的使用者的生物特徵資訊和相對應的使用者的帳戶、以及款項資訊；結算請求發送單元用於向支付伺服器發送結算請求，所述結算請求中包括所述支付場景的支付場景資訊、在所述支付場景中獲取的使用者的生物特徵資訊和相對應的使用者帳戶、以及款項資訊；所述支付伺服器保存有支付場景資訊、使用者的生物特徵範本、所述使用者的帳戶的對應關係；結算回應接收單元用於接收支付伺服器返回的結算回應，所述結算回應由支付伺服器根據所保存的對應關係中，與認可使用者付款的支付場景的支付場景資訊和所述結算請求中的使用者帳戶對應的使用者的生物特徵範本，是否匹配於結算請求中的生物特徵資訊的驗證結果返回。
一個例子中，所述收款方伺服器保存有支付場景資訊、使用者的生物特徵範本、所述使用者的帳戶的對應關係；所述結算請求發送單元具體用於：確定認可使用者付款的支付場景的支付場景資訊，採用所述保存的對應關係中與所述支付場景資訊和扣款請求中使用者的帳戶相對應的使用者的生物特徵範本，對扣款請求中的生物特徵資訊進行驗證，驗證通過後向支付伺服器發送結算請求。
上述例子中，所述支付場景資訊包括公共交通線路和公共交通卡類型；所述收款伺服器包括公共交通公司後臺伺服器和機具後臺伺服器；所述收款設備為機具；所述結算請求由公共交通公司後臺伺服器發送給支付伺服器；所述結算回應由公共交通公司後臺伺服器從支付伺服器接收；所述扣款請求由機具後臺伺服器從機具接收後轉發給公共交通公司後臺伺服器。
本發明實施例提供了一種雙離線支付的結算裝置，應用於支付伺服器，所述支付伺服器保存有支付場景資訊、使用者的生物特徵範本、所述使用者的帳戶的對應關係，所述裝置包括結算請求接收單元、結算單元和結算回應發送單元，其中：結算請求接收單元用於從收款方系統接收結算請求，所述結算請求中包括收款方系統認可使用者付款的支付場景的支付場景資訊、在所述支付場景中獲取的使用者的生物特徵資訊和相對應的使用者的帳戶、以及款項資訊；結算單元用於採用保存的所述對應關係中與結算請求中使用者的帳戶和匹配於認可使用者付款的支付場景的支付場景資訊相對應的使用者的生物特徵範本，對結算請求中的生物特徵資訊進行驗證，在驗證通過後根據款項資訊進行從所述使用者的帳戶到所述收款方帳戶的轉帳；結算回應發送單元用於向收款方系統返回結算回應。
可選的，所述支付場景資訊包括以下之一：公共交通線路、航班及日期、或鐵路車次及日期；所述生物特徵包括以下之一：人臉、指紋、或虹膜。
本發明的實施例提供了一種電腦設備，該電腦設備包括儲存器和處理器。其中，儲存器上儲存有能夠由處理器運行的電腦程式；處理器在運行儲存的電腦程式時，執行本發明實施例中應用於支付伺服器的雙離線支付的開通方法的各個步驟。對應用於支付伺服器的雙離線支付的開通方法的各個步驟的詳細描述請參見之前的內容，不再重複。
本發明的實施例提供了一種電腦設備，該電腦設備包括儲存器和處理器。其中，儲存器上儲存有能夠由處理器運行的電腦程式；處理器在運行儲存的電腦程式時，執行本發明實施例中應用於收款方系統的收款伺服器的雙離線支付的開通方法的各個步驟。對應用於收款方系統的收款伺服器的雙離線支付的開通方法的各個步驟的詳細描述請參見之前的內容，不再重複。
本發明的實施例提供了一種電腦設備，該電腦設備包括儲存器和處理器。其中，儲存器上儲存有能夠由處理器運行的電腦程式；處理器在運行儲存的電腦程式時，執行本發明實施例中應用於使用者終端的雙離線支付的開通方法的各個步驟。對應用於使用者終端的雙離線支付的開通方法的各個步驟的詳細描述請參見之前的內容，不再重複。
本發明的實施例提供了一種電腦設備，該電腦設備包括儲存器和處理器。其中，儲存器上儲存有能夠由處理器運行的電腦程式；處理器在運行儲存的電腦程式時，執行本發明實施例中應用於收款方系統收款設備的雙離線支付的收款方法的各個步驟。對應用於收款方系統收款設備的雙離線支付的收款方法的各個步驟的詳細描述請參見之前的內容，不再重複。
本發明的實施例提供了一種電腦設備，該電腦設備包括儲存器和處理器。其中，儲存器上儲存有能夠由處理器運行的電腦程式；處理器在運行儲存的電腦程式時，執行本發明實施例中應用於收款方系統的收款伺服器的雙離線支付的結算方法的各個步驟。對應用於收款方系統的收款伺服器的雙離線支付的結算方法的各個步驟的詳細描述請參見之前的內容，不再重複。
本發明的實施例提供了一種電腦設備，該電腦設備包括儲存器和處理器。其中，儲存器上儲存有能夠由處理器運行的電腦程式；處理器在運行儲存的電腦程式時，執行本發明實施例中應用於支付伺服器的雙離線支付的結算方法的各個步驟。對應用於支付伺服器的雙離線支付的結算方法的各個步驟的詳細描述請參見之前的內容，不再重複。
本發明的實施例提供了一種電腦可讀取儲存媒體，該儲存媒體上儲存有電腦程式，這些電腦程式在被處理器運行時，執行本發明實施例中應用於支付伺服器的雙離線支付的開通方法的各個步驟。對應用於支付伺服器的雙離線支付的開通方法的各個步驟的詳細描述請參見之前的內容，不再重複。
本發明的實施例提供了一種電腦可讀取儲存媒體，該儲存媒體上儲存有電腦程式，這些電腦程式在被處理器運行時，執行本發明實施例中應用於收款方系統的收款伺服器的雙離線支付的開通方法的各個步驟。對應用於收款方系統的收款伺服器的雙離線支付的開通方法的各個步驟的詳細描述請參見之前的內容，不再重複。
本發明的實施例提供了一種電腦可讀取儲存媒體，該儲存媒體上儲存有電腦程式，這些電腦程式在被處理器運行時，執行本發明實施例中應用於使用者終端的雙離線支付的開通方法的各個步驟。對應用於使用者終端的雙離線支付的開通方法的各個步驟的詳細描述請參見之前的內容，不再重複。
本發明的實施例提供了一種電腦可讀取儲存媒體，該儲存媒體上儲存有電腦程式，這些電腦程式在被處理器運行時，執行本發明實施例中應用於收款方系統收款設備的雙離線支付的收款方法的各個步驟。對應用於收款方系統收款設備的雙離線支付的收款方法的各個步驟的詳細描述請參見之前的內容，不再重複。
本發明的實施例提供了一種電腦可讀取儲存媒體，該儲存媒體上儲存有電腦程式，這些電腦程式在被處理器運行時，執行本發明實施例中應用於收款方系統的收款伺服器的雙離線支付的結算方法的各個步驟。對應用於收款方系統的收款伺服器的雙離線支付的結算方法的各個步驟的詳細描述請參見之前的內容，不再重複。
本發明的實施例提供了一種電腦可讀取儲存媒體，該儲存媒體上儲存有電腦程式，這些電腦程式在被處理器運行時，執行本發明實施例中應用於支付伺服器的雙離線支付的結算方法的各個步驟。對應用於支付伺服器的雙離線支付的結算方法的各個步驟的詳細描述請參見之前的內容，不再重複。
以上所述僅為本發明的較佳實施例而已，並不用以限制請求保護的其他實施例，凡在本發明的精神和原則之內，所做的任何修改、等同替換、改進等，均應包含在請求保護的範圍之內。
在一個典型的配置中，計算設備包括一個或多個處理器(CPU)、輸入/輸出介面、網路介面和記憶體。
記憶體可能包括電腦可讀取媒體中的非永久性儲存器，隨機存取記憶體 (RAM)和/或非揮發性記憶體等形式，如唯讀記憶體(ROM)或快閃記憶體(flash RAM)。記憶體是電腦可讀取媒體的示例。
電腦可讀取媒體包括永久性和非永久性、可移動和非可移動媒體可以由任何方法或技術來實現資訊儲存。資訊可以是電腦可讀取指令、資料結構、程式的模組或其他資料。電腦的儲存媒體的例子包括，但不限於相變記憶體(PRAM)、靜態隨機存取記憶體(SRAM)、動態隨機存取記憶體(DRAM)、其他類型的隨機存取記憶體(RAM)、唯讀記憶體(ROM)、電可擦除可程式設計唯讀記憶體 (EEPROM)、快閃記憶體或其他記憶體技術、唯讀光碟唯讀記憶體(CD-ROM)、數位多功能光碟(DVD)或其他光學儲存、磁盒式磁帶，磁帶式磁碟儲存器或其他磁性存放裝置或任何其他非傳輸媒體，可用於儲存可以被計算設備訪問的資訊。按照本文中的界定，電腦可讀取媒體不包括暫存電腦可讀取媒體(transitory media)，如調變的資料訊號和載波。
還需要說明的是，術語“包括”、“包含”或者其任何其他變體意在涵蓋非排他性的包含，從而使得包括一系列要素的過程、方法、商品或者設備不僅包括那些要素，而且還包括沒有明確列出的其他要素，或者是還包括為這種過程、方法、商品或者設備所固有的要素。在沒有更多限制的情況下，由語句“包括一個……”限定的要素，並不排除在包括所述要素的過程、方法、商品或者設備中還存在另外的相同要素。
本領域技術人員應明白，本發明的實施例可提供為方法、系統或電腦程式產品。因此，本發明的實施例可採用完全硬體實施例、完全軟體實施例或結合軟體和硬體方面的實施例的形式。而且，本發明的實施例可採用在一個或多個其中包含有電腦可用程式碼的電腦可用儲存媒體(包括但不限於磁碟記憶體、CD-ROM、光學儲存器等)上實施的電腦程式產品的形式。In the embodiment of the present invention, The user and the payee have their own accounts in a certain payment system, In this payment system, the payment server responds to various requests from the user terminal and the payee system. And make a transfer between the user’s account and the payee’s account. The payee's system includes the payment server and the payment equipment, The receiving server is responsible for communicating with the payment server, The collection device is used to determine whether to approve the user's payment in the dual offline payment environment. The collection device communicates with the collection server when not offline, When offline, the collection device usually cannot communicate with the collection server.
in, The user terminal can be a mobile phone, tablet, PC(Personal Computer, personal computer), Notebook computers and other equipment; The collection device can be a fixed or handheld device with biometric collection function, Such as mobile phones, tablet, PC, Laptop, Monitoring equipment, etc.; The payment server or collection server can be a physical or logical server, It can also be two or more entities or logical servers that share different responsibilities, Cooperate with each other to realize the functions of the payment server or the payment server in the embodiments of the present invention; The above are not limited.
In the various embodiments of the present invention, The payment scenario information is used to determine the receiving device in the payee system that will accept payment from the user in the dual offline environment. In other words, the collection device used to determine the user's biometric template stored in the payee system. According to the composition and operation mode of the payee system in the actual application scenario, To decide which specific information to use as payment scenario information, Not limited, As long as it can be determined according to the payment scenario information which collection device or devices will provide the user with the collection service in the dual offline environment. The following is an example.
In the first example, Users can specify the public transportation routes they often take, Use biometric authentication to pay for rides on these public transportation routes. If the payee system only serves one city, Public transportation lines can be used as payment scenario information. If the payee system serves multiple cities, City identifiers (such as names or unique codes) and public transportation routes can be used as payment scenario information; If each city uses its own type of public transportation card (that is, the type of public transportation card uniquely corresponds to a city), Then, the public transportation route and the user's public transportation card type can be used as the payment scenario information. The user’s biometric template will be distributed to all collection devices of all buses on the public transportation route. Allow users to pay based on biometrics when taking the public transportation route.
In the second example, Users can use the dual offline payment function when riding a railway train. The number and date of the railway train the user took can be used as the payment scene information, The user’s biometric template will be distributed to all collection devices of the train, Allows users to pay based on biometrics on this train.
In the third example, The user can use the dual offline payment function while flying on the plane. The user’s flight and date can be used as payment scenario information, The biometric template of the user will be distributed to all the payment devices of the flight. Allows users to pay based on biometrics on this train.
In the various embodiments of the present invention, The user’s biological characteristics are the entity or behavioral characteristics of one to many kinds of human bodies that can be used to identify a person’s identity. For example, it can be a human face, fingerprint, Palm prints, One or more of the iris. The user’s biometric information is the user’s biometric data collected on-site. Or based on the user’s biometric data collected on site, After extraction, Information obtained after conversion or other processing, For example, it can be a user's fingerprint image collected on the spot, It can be a number of specific variable values extracted from the user’s facial images collected on-site (such as a variable value that measures the relative position of the eyes and nose, etc.), It can also be the data obtained by compressing the facial image collected on the spot. The user’s biometric template is the biometric data that has been authenticated as belonging to the user. Or based on the biometric data that has been authenticated as the user’s identity, After extraction, Data obtained after conversion or other processing, Used to compare with biometric information.
In a dual offline payment environment, The payee’s collection device authenticates the user through the user’s biometrics, The user's payment will only be approved after the authentication is passed. Because the collection device cannot communicate remotely in the dual offline environment, The biometric template of the user used for authentication needs to be pre-stored on the payment device. Out of the consideration of protecting user privacy, In the embodiment of this application, the user activates the dual offline payment function based on biometrics, That is, after the user’s authorization, Then the user’s biometric template will be sent to the collection device.
The first embodiment of the present invention proposes a new dual offline payment activation method, According to the payment scenario specified by the user to enable dual offline payment, The user terminal sends the payment scenario information to the payment server, The payment server generates and saves payment scenario information, The user’s biometric template, After the correspondence of the user’s account, Send the corresponding relationship to the payee system to save, In this way, the collection device of the payee system can be in a dual offline payment scenario that matches the payment scenario information, After authenticating the user based on the biometric template, the payment of the user’s account is approved, So that users can directly use their biometric information to complete the payment in the dual offline payment scenario. Reduce the user’s payment time, And the authentication based on biometrics has a higher degree of security, It achieves better security while improving payment efficiency.
When the dual offline payment function is activated, Between the user terminal and the payment server, Between the payment server and the payment server of the beneficiary system, Both the receiving server and the receiving device can communicate. The network structure can be shown in Figure 1.
In the first embodiment, The process of applying the dual offline payment activation method to the payment server is shown in Figure 2. The process of the receiving server applied to the payee system is shown in Figure 3. The application process on the user terminal is shown in Figure 4.
On the user terminal, Step 410, Obtain the payment scenario information specified by the user.
When a user wants to use a payment system for payment in a specific dual offline payment scenario, The biometric payment function in this payment scenario can be activated through its terminal. Users can start the activation process in various ways, For example, You can open the entrance provided by the client software of the payment system on the user terminal, The activation process can be started when the payment system is accessed through the browser on the user terminal, It may also be that other applications on the user terminal access the payment system or call the client software of the payment system to initiate the activation process.
After the user starts the activation process, The user terminal obtains the payment scenario information specified by the user. The specific method for obtaining payment scene information is not limited in the embodiment of the present invention. For example, It can be determined by the user terminal according to the user's selection operation in the opening interface of the client software of the payment system, The user terminal can receive the user’s manual input when accessing the browsing page of the payment system, It can be carried in the call command by other applications that call the payment system client software on the user terminal.
On the user terminal, Step 420, According to the user’s instructions, Send a user activation request including the payment scenario information to the payment server, For the payment server to save the payment scene information, The user’s biometric template, The correspondence of the user’s account, And send the corresponding relationship between the user’s biometric template and the user’s account to the payee system, Used by the payment collection device of the beneficiary system in a dual offline payment scenario that matches the payment scenario information, The user is authenticated based on the biometric template, After the authentication is passed, the payment of the user account is approved.
On the payment server, Step 210, Receive the user activation request sent by the user terminal. The user activation request includes the payment scenario information specified by the user.
After the user terminal obtains the payment scenario information specified by the user, The payment scene information is encapsulated in the user activation request and sent to the payment server.
On the payment server, Step 220, Get the biometric template of the user.
Usually when the user terminal starts the activation process, The user has logged into the payment system. The payment server can learn the user’s account from the user’s login information. And obtain the biometric template of the user based on the user account.
The method of obtaining the biometric template by the payment server is not limited. The payment server can request the user's biometric template from an official agency (such as a public security agency); The payment server can query the user's biometric template in the biometric template library stored in the payment system; After receiving the user’s activation request, the payment server can In other ways (in addition to the biometric authentication used by the dual offline payment function opened, other identity authentication methods, Such as password, Short message, Security issues, etc.) After the user is authenticated, Instruct the user terminal to obtain and upload the user’s biometric information, And generate a biometric template of the user based on the uploaded biometric information; It can also be in other ways.
On the payment server, Step 230, Save the payment scenario information, The user’s biometric template, Correspondence of this user's account.
You can maintain a list of users who have activated the dual offline payment function on the payment server, After allowing a user to open a payment function for a dual offline payment scenario, Information about the payment scene specified by the user, The user’s biometric template, The corresponding relationship of the user's account is saved in the list. Of course, The payment server can also use any other method to save the above correspondence, Not limited.
The payment server can, before saving the above correspondence, First authenticate the user. In one example, The user’s biometric information can be collected by the user terminal during the activation process, And upload the collected biometric information to the payment server. The collected biometric information can be carried by the user terminal in the user activation request; It can also be after the user terminal sends the user activation request, Then according to the payment server's instructions, Collect and upload the user's biometric information. The payment server uploads the user’s biometric information, Compare with the user’s biometric template, If the user’s biometric information matches the user’s biometric template, The user is authenticated, Then save the payment scene information, The user’s biometric template, Correspondence of the user account; Otherwise, notify the user terminal that the user failed to pass the identity authentication, The activation process failed.
On the payment server, Step 240, Send a system activation request to the payee system. The system activation request includes the payment scenario information specified by the user, The correspondence between the user’s biometric template and the user’s account, The collection device of the payee system is in a dual offline payment scenario that matches the payment scenario information, The user is authenticated based on the biometric template, After the authentication is passed, the payment of the user account is approved.
At the collection server, Step 310, Receive the system activation request from the payment server.
At the collection server, Step 320, Determine the collection equipment according to the payment scenario information, Distribute the corresponding relationship between the user’s biometric template and the user’s account to the collection device, Used by the payment collection device of the beneficiary system in a dual offline payment scenario that matches the payment scenario information specified by the user, The user is authenticated based on the biometric template, After the authentication is passed, the payment of the user account is approved.
According to the saved payment scene information, The user’s biometric template, Correspondence with user account, The payment server generates a system activation request, The system activation request includes the payment scenario information specified by the user requesting activation, The user’s biometric template, Correspondence with user account.
The payment server sends a system activation request to the payment server of the payee system. After the receiving server receives the system activation request, The payment scenario information specified by the user in the system activation request, The corresponding relationship between the biometric template of the user and the user account is stored in an accessible storage space.
The collection server determines the collection equipment according to the payment scenario information in the system activation request, And send the corresponding relationship between the user's biometric template and the user's account to the collection device; The collection device stores the correspondence between the user's biometric template and the user's account locally. The receiving server can also send payment scenario information to the receiving device, The user’s biometric template, The correspondence of user accounts, The collection device will save it locally after receiving it.
visible, In the first embodiment of the present invention, The user terminal sends a user activation request to the payment server based on the payment scenario information specified by the user, The payment server generates and saves payment scenario information, The user’s biometric template, After the correspondence of the user’s account, Send the corresponding relationship to the payee system to save, The pay-to-receiver system is in a dual offline payment scenario that matches the payment scenario information, After authenticating the user based on the biometric template, the payment of the user’s account is approved, Enable users to directly use their biometric information to complete the payment in the dual offline payment scenario, Reduce the user’s payment time, And the authentication based on biometrics has a higher degree of security, It achieves better security while improving payment efficiency.
The second embodiment of the present invention proposes a new dual offline payment collection method, Save the user’s biometric template on the payment device, Correspondence with user accounts, The collection device collects the user’s biometric information in the dual offline payment-only scenario, Use the user account corresponding to the biometric template that matches the collected biometric information as the payer, Approve the user’s payment, So that users do not need to perform complicated operations to generate payment codes, Reduce the user’s payment time, And the use of biometric authentication can achieve higher security.
After opening the dual offline payment function, In the dual offline payment scenario specified by the user, Users can pay by biometrics. The payment process is usually done independently by the collection device, The receiving device does not need to communicate with other devices during the payment process.
In the second embodiment, The process of applying the dual offline payment method to the collection device is shown in Figure 5. The payment collection device saves the correspondence between the biometric templates of all users who have been opened for dual offline payment in the payment scenario where the payment collection device works and the user's account; In other words, The user specified the payment scenario information when opening the dual offline payment function, The payment device in the payment scene with the designated payment scene information will save the correspondence between the user's biometric template and the user's account.
On the collection device, Step 510, In the dual offline payment scenario, Obtain user's biometric information.
The collection device can be in the dual offline payment scenario, Use various methods to collect the user’s biometric information on the spot, Such as taking pictures of the user’s face, Collect the user's fingerprint image, etc., Not limited.
On the collection device, Step 520, When the obtained biometric information matches the biometric template of a user in the locally saved correspondence, Approve the payment of the user’s account, And save the obtained biometric information and the corresponding user account.
After obtaining the user’s biometric information, The payment device will save the biometric template of each user who has activated the dual offline payment function, Compare with the obtained biometric information, If a user’s biometric template matches the acquired biometric information, Then the collection device approves the payment corresponding to the user account of the biometric template, That is to say, the user account corresponding to the biometric data matching the obtained biometric information will be used to transfer money to the payee; The collection device establishes a correspondence between the acquired biometric information and the user account used for payment, And save the obtained biometric information and the corresponding user account.
The specific method for the collection device to determine whether the collected biometric information matches the saved biometric template can be implemented with reference to the existing technology. No longer.
According to the specific requirements of the collection transaction in the actual application scenario, When the collection device saves the acquired biometric information and the corresponding user account, You can also save the payment information related to this payment. The payment information can be any information used to determine the payment amount in the actual application scenario. For example, in the dual offline payment scenario of public transportation fare, It can be the user’s fare, It can also be the name of the user’s boarding station and getting off the station, It can also be the number of stations between the user getting on and off the train; Another example is the dual offline payment scenario for airplane flights, It can be the name and price of the goods or services purchased by the user on the plane.
The payment collection device can also save the payment scene information of the payment scene that the user is authorized to pay, The obtained biometric information and the corresponding user account. in, The payment scene information can be generated by the collection device itself, It can also be stored locally by the collection device from the payment scene information specified by the user who has opened dual offline payment, Obtained from the correspondence between the user’s biometric template and the user’s account.
If the biometric information obtained by the collection device, It does not match any one of the biometric templates in the correspondence between the saved biometric template and the user account. Then the collection device does not approve the user’s payment, The user needs to use other methods to pay.
visible, In the second embodiment of the present invention, The collection device collects the user’s biometric information on-site in the dual offline payment scenario, Compare with the biometric template in the correspondence between the user’s biometric template and the user’s account saved, And approve the payment of the user account corresponding to the matching biometric template, Allows users to get rid of the tedious operation of generating payment codes, While reducing the user's payment time, higher payment security is achieved.
The third embodiment of the present invention proposes a new dual offline payment settlement method, The payment server will recognize the payment scenario information of the payment scenario in which the user pays, User biometric information collected in this payment scenario, The user’s account and payment information is sent to the payment server, After the payment server verifies that the user's biometric information matches the saved payment scenario information corresponding to the dual offline payment scenario and the user biometric template of the user account, Make the transfer according to the payment information, This allows users to make payments without having to perform complicated operations to generate payment codes in a dual offline payment-only environment. Reduce the user’s payment time, And the use of biometric authentication can achieve higher security.
When the payment device of the beneficiary system approves the user's payment in the dual offline payment environment, Leave the dual offline environment on the receiving device, After the remote network connection is restored, The payee system can settle with the payment server, Transfer the money corresponding to the user payment approved in the dual offline environment from the user's account on the payment server to the payee's account.
The settlement process of dual offline payment usually does not require the participation of users and user terminals. During the settlement process, between the collection device and the collection server, Both the receiving server and the payment server can communicate, in, The composition of the payee system and the communication method with the payment server can be the same as the network shown in Figure 1.
In the third embodiment, The payment server saves the payment scenario information specified by the user who opened the dual offline payment, The correspondence between the user’s biometric template and the user’s account, The corresponding relationship between the biometric template of the user who has opened dual offline payment and the user account is stored on the payment device of the payee system, And the user’s biometric information collected when the user is approved for payment and the corresponding user account used for payment. also, The payee system can also save the payment scenario information specified by the user who has enabled dual offline payment on the payee server, The correspondence between the user’s biometric template and the user’s account.
In the third embodiment, The process of applying the dual offline payment settlement method to the receiving server of the payee system is shown in Figure 6. The process of applying to the payment server is shown in Figure 7.
On the payment server, Step 610, Receive deduction requests from the collection device. The deduction request includes the user’s biometric information and the corresponding user’s account, And payment information. in, The payment information can be any information that enables the payment server to determine the specific amount of money to be transferred from the user’s account to the payee’s account in an actual application scenario. Not limited.
After the payee system leaves the dual offline payment environment, The payment server can be settled with the payment server for the user payment approved in the dual offline scenario. specific, After the receiving device restores the network connection with the receiving server, Combine the user’s biometric information collected in the dual offline scenario where user payment is approved with the corresponding user account, And the payment information is encapsulated in the deduction request, Send to the collection server. The payment collection device may also encapsulate the payment scenario information of the dual offline payment scenario that approves the user's payment in the payment request.
On the payment server, Step 620, Send a settlement request to the payment server. The settlement request includes the payment scenario information of the payment scenario that approved the user to pay, The user’s biometric information and the corresponding user account obtained in this payment scenario, And payment information.
On the payment server, Step 710, Receive settlement request from the payee system.
After the payment server receives the deduction request, If the payment scenario information is not included in the deduction request, The payment scenario information of the dual offline payment scenario in which the user is approved for payment involved in the request can be determined according to the payment collection device that sent the deduction request; If payment scenario information is carried in the deduction request, The collection server can directly extract payment scenario information from the deduction request. The payment scenario information involved in the deduction request (that is, the payment scenario information of the payment scenario that approves the user's payment) by the receiving server, The biometric information of the user in the deduction request and the corresponding user account, And payment information are encapsulated in the settlement request, Send to the payment server.
If the receiving server saves the payment scenario information specified by the user who has opened dual offline payment, The user’s biometric template, Correspondence with user account, Then you can in the saved correspondence, Query the payment scenario information involved in the deduction request and the biometric template corresponding to the user account in the deduction request, Compare the queried biometric template with the biometric information in the deduction request; If the two match, Then the biometric information in the deduction request is verified, The payment server information about the payment scenario involved in the deduction request, The biometric information of the user in the deduction request and the corresponding user account, And payment information are encapsulated in the settlement request, Send to the payment server. If the collection server does not find the payment scenario information involved in the deduction request and the biometric template corresponding to the user account in the deduction request, Or the queried biometric template does not match the biometric information in the deduction request, The receiving server will not generate a settlement request based on the deduction request.
On the payment server, Step 720, Using the user’s biometric template corresponding to the user’s account in the settlement request and the payment scenario information matching the payment scenario that approved the user’s payment in the saved correspondence, Verify the biometric information in the settlement request, After the verification is passed, transfer funds from the user's account to the payee's account based on the payment information.
The payment server saves the payment scenario information specified by the user who has opened dual offline payment, The correspondence between the user’s biometric template and the user’s account. The payment server in the saved correspondence relationship, Payment scenario information in the search and settlement request, The biometric template corresponding to the user account.
After finding the corresponding biometric template, The payment server compares the found biometric template with the biometric information in the settlement request. If the two match, The biometric information in the settlement request is verified, The payment server performs the transfer from the user account in the settlement request to the payee account. The transfer amount is determined by the payment information in the settlement request.
On the payment server, Step 730, Return the settlement response to the payee system.
On the payment server, Step 630, Receive the settlement response returned by the payment server. The settlement response is based on the correspondence stored by the payment server, The payment scenario information of the payment scenario that approved the user’s payment and the user’s biometric template corresponding to the user account in the settlement request, The verification result of whether it matches the biometric information in the settlement request is returned.
After the payment server completes the transfer from the user account in the settlement request to the payee account, Return the settlement response of successful settlement to the collection server. If the payment server does not find the payment scenario information involved in the settlement request in the saved correspondence, The biometric template corresponding to the user account in the settlement request, Then, a settlement response of settlement failure is returned to the collection server. If the biometric information in the settlement request fails to pass the verification of the payment server, The payment server also returns a settlement response that the settlement failed to the receiving server.
visible, In the third embodiment of the present invention, The payee system will be in the payment scenario information of the dual offline payment scenario, User biometric information collected in this payment scenario, The corresponding user account and payment information are sent to the payment server, After the payment server verifies that the user's biometric information matches the saved payment scenario information corresponding to the dual offline payment scenario and the user biometric template of the user account, To transfer funds, So that users do not need to generate payment codes through cumbersome operations in dual offline payment scenarios, The payment can be completed by directly using its biometric information. Reduce the user’s payment time, And achieved a higher level of safety.
The foregoing describes specific embodiments of the present invention. Other embodiments are within the scope of the attached patent application. In some cases, The actions or steps described in the scope of the patent application can be performed in a different order from the embodiment and still achieve the desired result. in addition, The processes depicted in the drawings do not necessarily require the specific order or sequential order shown in order to achieve the desired result. In some embodiments, Multiplexing and parallel processing are also possible or may be advantageous.
In an application example of the present invention, A third-party payment institution and a public transportation company jointly provide passengers with the function of brushing their faces and riding the bus. This third-party payment institution issues virtual public transportation cards to users, Users can use public transportation cards to ride public vehicles, The cost of the public transportation card is settled through the user’s account with the third-party payment institution, The user’s account in this application example consists of two parts, The user’s account and public transportation card number in the third-party payment institution. Each city issues different types of public transportation cards, The user's public transportation card type and public transportation card number are stored locally in the terminal by the client App of the third-party payment structure on the user terminal.
In this application example, The public transportation company's system (payee system) includes a collection server and a machine (a type of collection device) installed on the bus. in, Receiving servers include public transportation company back-end servers and machine back-end servers, The back-end server of the public transportation company is responsible for communicating with the payment server of the third-party payment institution. Each machine tool back-end server is responsible for communicating with machines on several public transportation lines in a certain city.
Before the user brushes his face and takes public transportation, It is necessary to activate the face-sweeping ride function on its designated route. During the activation process, the user terminal, Payment server, Public transportation company back-end server, The interaction process between the machine tool background server and the machine tool is shown in Figure 8.
The user specifies the public transportation line to be opened in the payment App of the third-party payment institution on the terminal, And order to activate the face-swiping function. The payment App receives the public transportation route entered by the user, Obtain the public transport card type and public transport card number saved on the user terminal, Use public transportation routes and public transportation card types as payment scenario information, Encapsulate the payment scenario information and public transportation card number in the user activation request, Send to the payment server.
The payment server, based on the user account using the payment App, Obtain the user's face template (a biometric template) from the server of the public security system. The payment server instructs the payment App to initiate face verification, The payment App on the user terminal collects the user's facial image (a type of biometric information) and uploads it to the payment server. The payment server checks whether the uploaded facial image matches the user’s facial template. If it matches, The payment server sends the user to the public transportation route specified by the user in the user activation request, Type of public transport card, Public transportation card number, The user’s face template, The user’s corresponding relationship with the third-party payment institution’s account is saved, And encapsulate the corresponding relationship in the system activation request, Send it to the back-end server of the public transportation company.
The back-end server of the public transportation company sends the public transportation route, Type of public transport card, Public transportation card number, The user’s face template, The user’s corresponding relationship with the third-party payment institution’s account is saved, Determine the machine background server according to the type of public transportation card and the public transportation route specified by the user, Distribute public transportation routes, Type of public transport card, Public transportation card number, The user’s face template, The corresponding relationship of the user's account with the third-party payment institution. The machine background server sends the user’s face template, Type of public transport card, Correspondence between the public transportation card number and the user’s account in a third-party payment institution. After the machine is received, the corresponding relationship issued will be saved locally, And return a successful save response to the machine background server.
After all the machines on the public transportation route return a successful save response to the machine back-end server, The back-end server of the machine tool returns a successful response to the back-end server of the public transportation company. The back-end server of the public transportation company returns a successful activation response to the payment server. The payment server informs that the payment App has been successfully activated, The payment App is displayed to the user. If a user specifies a machine on a public transportation route to return a response to the machine's background server that the save was unsuccessful, Then the back-end server of the machine tool returns to the back-end server of the public transportation company an unsuccessful save response. The back-end server of the public transportation company returns a response that the activation failed to the payment server. The payment server informs that the payment App has failed to be activated, The payment App is displayed to the user.
After the user activates the face-swiping function, You can take a bus on its designated public transportation route. Each machine on a designated public transportation route saves the face templates of all users who have activated dual offline payment for that public transportation route, Type of public transport card, The correspondence between the public transportation card number and the user’s account in a third-party payment institution. When the user takes the bus on his designated public transportation route, The machine on the bus collects the user’s facial image on-site, Compare with the saved face templates of users who have enabled dual offline payment, If there is a face template that matches the collected facial image, Then the public transportation card number corresponding to the face template and the user's account with the third-party payment institution are the payers of the ride fare. The machine prompts the user to brush his face successfully, Save the collected facial image and the payer, That is, the public transportation card number and the user’s account in a third-party payment institution, And the corresponding relationship of the user’s public transportation card type, And save the user's travel expenses (a kind of payment information) for this ride.
If there is no face template that matches the captured face image, The machine prompts the user to fail to brush his face, The user can use other methods to pay for the ride.
After the machine on the bus resumes network communication with the machine's backend server, You can report user payment information approved during dual offline operation, So that the back-end server of the public transportation company will settle with the payment server. During the settlement process, the payment server, Public transportation company back-end server, The interaction process between the machine tool background server and the machine tool is shown in Figure 9.
The machine connects the public transportation line where the machine is located, The facial images collected by the user while riding in the car, Corresponding public transportation card type, Public transportation card number and user’s account in a third-party payment institution, The user's travel expenses are encapsulated in the deduction request and sent to the machine back-end server. The back-end server of the machine tool forwards the deduction request to the back-end server of the public transportation company.
The public transportation company back-end server picks up the public transportation line in the deduction request, Type of public transport card, Public transportation card number and user’s account in a third-party payment institution, In the saved public transportation routes designated by users who have opened face-swiping rides, Type of public transport card, Public transportation card number, The user’s face template, The user finds the corresponding user face template in the correspondence relationship of the account of the third-party payment institution, The face image in the deduction request is verified by comparing whether the face image in the deduction request matches the user's face template. After passing the verification, The back-end server of the public transportation company sets the type of public transportation card, The public transportation route in the chargeback request, Public transportation card number, The user’s account with a third-party payment institution, The user’s face image and travel fare are encapsulated in the settlement request, Send to the payment server.
The payment server fetches the public transportation card type in the settlement request, Public transportation lines, Public transportation card number and user’s account in a third-party payment institution, In the saved public transportation routes designated by users who have opened face-swiping rides, Type of public transport card, Public transportation card number, The user’s face template, The user finds the corresponding user face template in the correspondence relationship of the account of the third-party payment institution, The face image in the settlement request is verified by comparing whether the face image in the settlement request matches the found face template.
After the face image in the settlement request is verified, In the settlement request, the payment server deducts the amount of the ride fee in the settlement request from the account of the third-party payment institution. In the public transportation company's account of the third-party payment institution, the additional amount is the payment for the ride expenses in the settlement request. The payment server returns a settlement response that the settlement is successful to the back-end server of the public transportation company.
Corresponding to the above process realization, The embodiment of the present invention also provides a dual offline payment activation device applied to a payment server, A dual offline payment activation device applied to the payee system, A dual offline payment activation device applied to a user terminal, A double offline payment collection device applied to the collection equipment of the beneficiary system, A dual offline payment settlement device applied to the payee system, And a dual-offline payment settlement device applied to the payment server. All of the above devices can be realized by software, It can also be implemented by hardware or a combination of software and hardware. Take software implementation as an example, As a logical device, Is through the CPU (Central Process Unit, The central processing unit) reads the corresponding computer program instructions into the memory and runs. From the hardware level, In addition to the CPU shown in Figure 10, In addition to memory and storage, The equipment where the above-mentioned devices are located usually also includes other hardware such as chips for wireless signal transmission and reception. And/or other hardware such as boards used to implement network communication functions.
The embodiment of the present invention provides a dual offline payment activation device, Applied to the payment server, The device includes a user activation receiving unit, Feature template acquisition unit, The first activation storage unit and the system activation sending unit, in: The user activation receiving unit is used to receive the user activation request sent by the user terminal; The user activation request includes the payment scenario information specified by the user; The feature template obtaining unit is used to obtain the biometric template of the user; The first activation storage unit is used to store the payment scenario information, The biometric template of the said user, The corresponding relationship of the user's account; The system activation sending unit is used to send a system activation request to the payee system, The system activation request includes the payment scenario information specified by the user, The correspondence between the user’s biometric template and the user’s account, The collection device of the payee system is in a dual offline payment scenario that matches the payment scenario information, Authenticate the user based on the biometric template, After the authentication is passed, the payment of the user account is approved.
Optional, The device also includes a characteristic information receiving unit, For receiving the user's biometric information collected and uploaded by the user terminal; The first activation storage unit is specifically used for: When the biometric information uploaded by the user terminal matches the biometric template of the user, Save the payment scenario information, The biometric template of the said user, The corresponding relationship of the user's account.
The embodiment of the present invention provides a dual offline payment activation device, The collection server applied to the payee’s system, The device includes a system activation receiving unit and a template and account issuing unit, in: The system activation receiving unit is used to receive the system activation request from the payment server, The system activation request includes the payment scenario information specified by the user requesting activation, The correspondence between the user’s biometric template and the user’s account; Template and account issuance unit, Used to determine the collection equipment according to the payment scenario information, Distribute the correspondence between the user’s biometric template and the user’s account to the payment device, Used by the payment collection device of the payee system in a dual offline payment scenario that matches the payment scenario information specified by the user, Authenticate the user based on the biometric template, After the authentication is passed, the payment of the user account is approved.
In an example, The payment scene information includes public transportation lines and public transportation card types; The collection server includes a public transportation company back-end server and a machine tool back-end server; The user's account includes the user's account on the payment server and the user's public transportation card number; The template and account issuing unit are specifically used for: The back-end server of the public transportation company determines the back-end server of the machine according to the public transportation line and the type of public transportation card, Distribute public transportation lines to the background server of the machine tool, The biometric template of the said user, The corresponding relationship of the user account; The back-end server of the machine distributes the correspondence between the user's biometric template and the user account to all the payment devices on the public transportation line.
The embodiment of the present invention provides a dual offline payment activation device, Applied to the user terminal, The device includes a payment scenario specifying unit and a user activation sending unit, in: The payment scenario specifying unit is used to obtain the payment scenario information specified by the user; The user activates the sending unit to follow the user’s instructions, Send a user activation request including the payment scenario information to the payment server, For the payment server to save the payment scenario information, The biometric template of the said user, The corresponding relationship of the user’s account, And send the corresponding relationship between the biometric template of the user and the user account to the payee system, Used by the payment collection device of the payee system in a dual offline payment scenario that matches the payment scenario information, Authenticate the user based on the biometric template, After the authentication is passed, the payment of the user account is approved.
Optional, The device also includes: Open the feature information unit, Used to collect the biometric information of the user and upload it to the payment server, For the payment server to save the payment scene information, The biometric template of the said user, Before the corresponding relationship of the user’s account, Based on the uploaded biometric information and the user’s biometric template, The user is authenticated.
Optional, The payment scenario specifying unit is specifically used for: Receive the public transportation route entered by the user, Acquiring the public transportation card type saved on the user terminal, Use public transportation lines and public transportation card types to generate payment scenario information; The device also includes a public transportation card number obtaining unit, Used to obtain the user's public transportation card number stored on the user terminal; The user’s account includes: The user's account on the payment server and the user's public transportation card number.
Optional, The payment scenario information specified by the user includes one of the following: Public transportation lines, Flight and date, Or train number and date; The biological characteristics include one of the following: human face, fingerprint, Or iris.
The embodiment of the present invention provides a double offline payment collection device, The collection equipment applied to the payee’s system, The corresponding relationship between the biometric template of the user who has opened dual offline payment and the user’s account is stored on the payment device. The device includes a characteristic information collection unit and a payment verification unit, in: The feature information collection unit is used in dual offline payment scenarios, Obtain user's biometric information; The payment verification unit is used when the acquired biometric information matches a user’s biometric template in the locally stored correspondence, Approve the payment of the user account in question, And save the acquired biometric information and the corresponding account of the user.
Optional, The payment scenario information includes one of the following: Public transportation lines, Flight and date, Or train number and date; The biological characteristics include one of the following: human face, fingerprint, Or iris.
The embodiment of the present invention provides a dual offline payment settlement device, The collection server applied to the payee’s system, The device includes a deduction request receiving unit, Settlement request sending unit and settlement response receiving unit, in: The deduction request receiving unit is used to receive the deduction request from the collection device, The deduction request includes the user’s biometric information and the corresponding user’s account obtained by the payment collection device in a payment scenario that approves the user’s payment. And payment information; The settlement request sending unit is used to send a settlement request to the payment server, The settlement request includes payment scenario information of the payment scenario, The user’s biometric information and the corresponding user account obtained in the payment scenario, And payment information; The payment server stores payment scene information, The user’s biometric template, The corresponding relationship of the user's account; The settlement response receiving unit is used to receive the settlement response returned by the payment server, According to the corresponding relationship stored in the settlement response by the payment server, The payment scenario information of the payment scenario that approved the user’s payment and the user’s biometric template corresponding to the user account in the settlement request, The verification result of whether it matches the biometric information in the settlement request is returned.
In an example, The payee server stores payment scene information, The user’s biometric template, The corresponding relationship of the user's account; The settlement request sending unit is specifically configured to: Determine the payment scenario information of the payment scenario that recognizes the user's payment, Using the user’s biometric template corresponding to the payment scenario information and the user’s account in the deduction request in the saved correspondence, Verify the biometric information in the deduction request, After the verification is passed, a settlement request is sent to the payment server.
In the above example, The payment scene information includes public transportation lines and public transportation card types; The collection server includes a public transportation company back-end server and a machine tool back-end server; The collection equipment is a machine tool; The settlement request is sent to the payment server by the back-end server of the public transportation company; The settlement response is received by the back-end server of the public transportation company from the payment server; The deduction request is received from the machine tool by the machine tool background server and then forwarded to the public transportation company background server.
The embodiment of the present invention provides a settlement device for dual offline payment, Applied to the payment server, The payment server stores payment scene information, The user’s biometric template, The corresponding relationship of the user’s account, The device includes a settlement request receiving unit, Settlement unit and settlement response sending unit, in: The settlement request receiving unit is used to receive a settlement request from the payee system, The settlement request includes payment scenario information of the payment scenario in which the payee system recognizes the user's payment, The user’s biometric information obtained in the payment scenario and the corresponding user’s account, And payment information; The settlement unit is configured to use the user’s biometric template corresponding to the user’s account in the settlement request and the payment scenario information matching the payment scenario that approved the user’s payment in the saved correspondence, Verify the biometric information in the settlement request, After the verification is passed, transfer funds from the user's account to the payee's account according to the payment information; The settlement response sending unit is used to return a settlement response to the payee system.
Optional, The payment scenario information includes one of the following: Public transportation lines, Flight and date, Or train number and date; The biological characteristics include one of the following: human face, fingerprint, Or iris.
The embodiment of the present invention provides a computer device, The computer equipment includes a memory and a processor. in, A computer program that can be run by the processor is stored on the memory; When the processor is running the stored computer program, Perform each step of the dual offline payment activation method applied to the payment server in the embodiment of the present invention. For a detailed description of the steps of the dual offline payment activation method applied to the payment server, please refer to the previous content. Do not repeat.
The embodiment of the present invention provides a computer device, The computer equipment includes a memory and a processor. in, A computer program that can be run by the processor is stored on the memory; When the processor is running the stored computer program, Perform each step of the dual offline payment activation method applied to the payment server of the payee system in the embodiment of the present invention. For a detailed description of the steps of the dual offline payment activation method applied to the collection server of the payee system, please refer to the previous content. Do not repeat.
The embodiment of the present invention provides a computer device, The computer equipment includes a memory and a processor. in, A computer program that can be run by the processor is stored on the memory; When the processor is running the stored computer program, Perform each step of the dual offline payment activation method applied to the user terminal in the embodiment of the present invention. For a detailed description of the steps of the dual offline payment activation method applied to the user terminal, please refer to the previous content. Do not repeat.
The embodiment of the present invention provides a computer device, The computer equipment includes a memory and a processor. in, A computer program that can be run by the processor is stored on the memory; When the processor is running the stored computer program, Perform each step of the double offline payment collection method applied to the collection device of the payee system in the embodiment of the present invention. Please refer to the previous content for a detailed description of the steps of the dual offline payment collection method applied to the collection device of the payee system. Do not repeat.
The embodiment of the present invention provides a computer device, The computer equipment includes a memory and a processor. in, A computer program that can be run by the processor is stored on the memory; When the processor is running the stored computer program, Perform each step of the dual offline payment settlement method applied to the payment server of the payee system in the embodiment of the present invention. Please refer to the previous content for a detailed description of the steps of the dual offline payment settlement method applied to the payment server of the payee system. Do not repeat.
The embodiment of the present invention provides a computer device, The computer equipment includes a memory and a processor. in, A computer program that can be run by the processor is stored on the memory; When the processor is running the stored computer program, Perform each step of the dual offline payment settlement method applied to the payment server in the embodiment of the present invention. Please refer to the previous content for a detailed description of the steps of the dual offline payment settlement method applied to the payment server. Do not repeat.
The embodiment of the present invention provides a computer readable storage medium, A computer program is stored on the storage medium, When these computer programs are run by the processor, Perform each step of the dual offline payment activation method applied to the payment server in the embodiment of the present invention. For a detailed description of the steps of the dual offline payment activation method applied to the payment server, please refer to the previous content. Do not repeat.
The embodiment of the present invention provides a computer readable storage medium, A computer program is stored on the storage medium, When these computer programs are run by the processor, Perform each step of the dual offline payment activation method applied to the payment server of the payee system in the embodiment of the present invention. For a detailed description of the steps of the dual offline payment activation method applied to the collection server of the payee system, please refer to the previous content. Do not repeat.
The embodiment of the present invention provides a computer readable storage medium, A computer program is stored on the storage medium, When these computer programs are run by the processor, Perform each step of the dual offline payment activation method applied to the user terminal in the embodiment of the present invention. For a detailed description of the steps of the dual offline payment activation method applied to the user terminal, please refer to the previous content. Do not repeat.
The embodiment of the present invention provides a computer readable storage medium, A computer program is stored on the storage medium, When these computer programs are run by the processor, Perform each step of the double offline payment collection method applied to the collection device of the payee system in the embodiment of the present invention. Please refer to the previous content for a detailed description of the steps of the dual offline payment collection method applied to the collection device of the payee system. Do not repeat.
The embodiment of the present invention provides a computer readable storage medium, A computer program is stored on the storage medium, When these computer programs are run by the processor, Perform each step of the dual offline payment settlement method applied to the payment server of the payee system in the embodiment of the present invention. Please refer to the previous content for a detailed description of the steps of the dual offline payment settlement method applied to the payment server of the payee system. Do not repeat.
The embodiment of the present invention provides a computer readable storage medium, A computer program is stored on the storage medium, When these computer programs are run by the processor, Perform each step of the dual offline payment settlement method applied to the payment server in the embodiment of the present invention. Please refer to the previous content for a detailed description of the steps of the dual offline payment settlement method applied to the payment server. Do not repeat.
The above are only the preferred embodiments of the present invention. It is not used to limit other embodiments that are claimed to be protected, Within the spirit and principle of the present invention, Any modifications made, Equivalent replacement, Improvement etc., All should be included in the scope of protection.
In a typical configuration, The computing device includes one or more processors (CPU), Input/output interface, Network interface and memory.
Memory may include non-permanent storage in computer-readable media, Random access memory (RAM) and/or non-volatile memory, etc., Such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer readable media.
Computer readable media includes permanent and non-permanent, Removable and non-removable media can be stored by any method or technology. Information can be computer readable commands, Data structure, The module or other data of the program. Examples of computer storage media include, But 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, CD-ROM (CD-ROM), Digital versatile disc (DVD) or other optical storage, Magnetic cassette tape, Tape-type disk storage or other magnetic storage device or any other non-transmission medium, Can be used to store information that can be accessed by computing devices. According to the definition in this article, Computer-readable media does not include transitory media (transitory media), Such as modulated data signal and carrier.
It should also be noted that The term "includes", "Include" or any other variant of it is intended to cover non-exclusive inclusion, So that the process including a series of elements, method, Goods or equipment not only include those elements, It also includes other elements that are not clearly listed, Or is it also included for this kind of process, method, Elements inherent in goods or equipment. Without more restrictions, The elements defined by the sentence "include a...", Does not exclude the process of including the elements, method, There are other similar elements in goods or equipment.
Those skilled in the art should understand that The embodiments of the present invention can be provided as methods, System or computer program product. therefore, The embodiment of the present invention can adopt a completely hardware embodiment, Complete software embodiment or a form of embodiment combining software and hardware. and, The embodiments of the present invention may use one or more computer-usable storage media (including but not limited to magnetic disk memory, CD-ROM, The form of computer program products implemented on optical storage, etc.).
