TWI790437B - Implementation method, device, computer equipment and computer-readable storage medium of dual offline payment - Google Patents

Abstract

This manual provides a method for implementing dual offline payment, which is applied to the payment client. The method includes: starting the offline payment function and obtaining the payment amount; generating an offline payment voucher carrying the payment amount and verification information; providing the collection device with the The offline payment certificate is provided for the collection device to approve the payment by the payment client after verifying that the offline payment certificate is legal through the verification information.

Description

Implementation method, device, computer equipment and computer-readable storage medium of dual offline payment

This specification relates to the technical field of network communication, and in particular to a method and device for realizing dual offline payment.

In online payment, the usual situation is that at least one of the payer device and the payee device can communicate with the payment server, send a request for payment or collection to the payment server, and the payment server proceeds according to the received request. Instant transfer of funds.

Dual offline payment refers to the application scenario where neither the payer's device nor the payee's device can communicate with the payment server in real time when the payment occurs, that is, the payer's device and the payee's device are both offline relative to the payment server state. Since the dual offline payment occurs without the participation of the payment server, the money cannot be transferred from the payer's account to the payee's account immediately. Therefore, the dual offline payment scenario puts forward higher requirements for payment security, and achieves higher security. Sexuality often leads to a cumbersome payment process, causing inconvenience to the payer and the payee.

In view of this, this specification provides a way to realize dual offline payment The method is applied to the payment client, and the method includes: starting the offline payment function and obtaining the payment amount; generating an offline payment certificate carrying the payment amount and verification information; providing the offline payment certificate to the collection device for the collection device After verifying that the offline payment certificate is legal through the verification information, the payment by the payment client is approved.

A dual offline payment implementation method provided in this manual is applied to a payment collection device. The method includes: obtaining an offline payment certificate from the user's payment client; the offline payment certificate carries payment amount and verification information; using the The verification information verifies whether the offline payment certificate is legal; after verifying that the offline payment certificate is legal, the payment of the payment client is approved.

This specification also provides a device for implementing dual offline payment, which is applied to a payment client. The device includes: a payment amount acquisition unit, used to start the offline payment function and obtain the payment amount; a payment voucher generation unit, used to generate a The payment amount and the offline payment certificate of the verification information; the payment certificate providing unit is used to provide the offline payment certificate to the payment collection device, so that the payment collection device can recognize the payment customer after verifying that the offline payment certificate is legal through the verification information terminal payment.

A device for realizing dual offline payment provided in this manual is applied to a collection device, and the device includes: The payment certificate acquisition unit is used to obtain the offline payment certificate from the user's payment client; the offline payment certificate carries the payment amount and verification information; the payment certificate verification unit is used to use the verification information to verify whether the offline payment certificate is legal; the payment accepting unit is configured to approve the payment by the payment client after verifying that the offline payment certificate is legal.

A computer device provided in this specification includes: a memory and a processor; a computer program that can be run by the processor is stored in the memory; when the processor runs the computer program, it executes the above-mentioned dual The steps described in the implementation method of offline payment.

A computer device provided in this specification includes: a memory and a processor; a computer program that can be run by the processor is stored in the memory; when the processor runs the computer program, it executes the above-mentioned payment device The steps described in the implementation method of dual offline payment.

This manual provides a computer-readable storage medium, on which a computer program is stored. When the computer program is run by a processor, it executes the steps described in the above-mentioned implementation method of dual offline payment applied to the payment client.

This specification also provides a computer-readable storage medium, on which a computer program is stored, and when the computer program is run by a processor, it executes the steps described in the method for implementing the dual offline payment applied to the collection device.

It can be seen from the above technical solutions that in the embodiments of this specification, after the user's payment client activates the offline payment function, it generates an offline payment voucher with the payment amount and verification information and provides it to the payment collection device, and the payment collection device supports offline payment. The legality of the payment certificate is verified, and the payment behavior of the payment client can be recognized through verification. In the embodiment of this specification, the user can pay in the dual offline scenario based on the conventional payment process, which simplifies the user's operation and has better convenience; and the legality verification in the payment process makes the dual offline payment more efficient. security.

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[Figure 1] is a schematic diagram of the network structure of the application scenario example 1 of the embodiment of this specification; [Figure 2] is a schematic diagram of the network structure of the application scenario example 2 of the embodiment of this specification; [Figure 3] is an application in the embodiment of this specification [Figure 4] is a flow chart of a method for implementing dual offline payment applied to a collection device in the embodiment of this specification; [Figure 5] is an application example of this specification The flow chart of the interaction between the payment client, the payee's handheld device, the payee server and the payment server in No. 1; [Fig. 6] is the payment client and the payee's local area network server in the application example 2 of this manual. Interaction flow chart between the server, the collection server and the payment server; [Fig. 7] is a hardware structure diagram of a terminal or server; [Fig. 8] is a dual- The logic structure diagram of the realization device of offline payment; [Fig. 9] is a dual A logical structure diagram of an offline payment implementation device.

The embodiment of this specification proposes a new implementation method of dual offline payment. The user's payment client starts the offline payment function, obtains the payment amount, generates an offline payment voucher based on the payment amount and verification information and provides it to the collection device, and the collection device passes After the verification information verifies that the offline payment certificate is legal, it can be recognized that the payment client has completed the payment of the payment amount, so that the user can complete the dual offline payment according to the conventional payment process, the user operation is more convenient, and the verification information is used to achieve dual offline payment Payment has higher requirements for security, and provides users with more convenience under the premise of meeting security requirements.

In the embodiment of this specification, the user uses the payment client running on his terminal to make payment, and the payee accepts the payment through the payment collection device. The server corresponding to the payment client runs on the payment server. When the dual offline payment is in progress, there is no network connection between the payment client and the payment server, and between the collection device and the payment server. In some application scenarios, after the offline state ends, the payee's collection device can communicate with the payment server, and the collection device initiates a double offline payment collection request to the payment server; in other application scenarios , the payee initiates a dual offline payment collection request to the payment server by the collection server (rather than the collection device). When the dual offline payment is in progress, there is no network connection between the collection device and the collection server. After the offline state ends, the payee's collection device can communicate with the collection server, and the collection server and the payment server can always communicate with each other. network communication.

The user's terminal can be mobile phone, tablet computer, notebook computer and other equipment; Servers and other equipment; the collection server or payment server can be a physical or logical server, or two or more physical or logical servers that share different responsibilities and cooperate with each other to realize the embodiments of this specification Various functions of the payment server or payment server in the payment server. The receiving device and the receiving server of the payee can be one

According to requirements of actual application scenarios, the application scenarios of the embodiments of this specification may have various network structures, which are not limited. Two examples are given below.

In application scenario example 1, the collection device is the payee's handheld device, and the payee initiates a dual offline payment collection request from the collection server to the payment server. The network structure is shown in Figure 1. During the dual offline payment, the user uses his terminal to make payment, and the payee accepts the payment through a handheld device. There is no network between the user's terminal and the payee's handheld device, or between the payment collection device and the collection server. connected. After the offline state ends, the payee's payment collection device can communicate with the collection server. Network communication is always possible between the receiving server and the payment server.

In application scenario example 2, the collection device is the payee’s local network server, and the payee initiates a double offline payment collection request from the collection server to the payment server. Its network structure is shown in Figure 2 . When the dual offline payment is in progress, the user's terminal can communicate with the payee's LAN server through the area The network communicates, and there is no network connection between the collection device and the collection server. After the offline state ends, the payee's payment collection device can communicate with the collection server. Network communication is always possible between the receiving server and the payment server.

In the embodiment of this specification, the payment client runs on the user's terminal, and the server corresponding to the payment client runs on the payment server. The flow of the implementation method of the dual offline payment of the payment client is shown in FIG. 3 , and the flow of the implementation method of the dual offline payment applied to the payment collection device is shown in FIG. 4 .

On the payment client, step 310, start the offline payment function and obtain the payment amount.

The offline payment function on the payment client is used for payment in a dual-offline environment. When the offline payment function is activated, the offline payment portal of the payment client is opened.

When the user wishes to make payment through the payment client in a dual-offline environment, various methods can be used to activate the offline payment function and enable the payment client to obtain the amount to be paid. The embodiment of this specification does not limit the specific method. For example, it can be performed manually by the user on the payment client. The payment client starts the offline payment function according to the user's operation and receives the payment amount entered by the user. This method is applicable to any dual offline payment scenario.

The specific method of activating the offline payment function and obtaining the payment amount applicable to the scenario can be selected according to the characteristics of the actual application scenario, which is not limited by the embodiments of this specification.

For example, in the foregoing application scenario example 1, there is no network connection between the user's terminal and the payee's handheld device. The offline order code may be provided to the user by the payee. The offline order code carries the calling information of the offline payment function of the payment client, and the user's terminal can start the offline payment function of the payment client after scanning the offline order code. The user can manually input the payment amount after the offline payment function is activated, and the payment client can obtain the payment amount from the received user input after the offline payment function is activated; the payment amount can also be carried in the offline order code, and the user's terminal can After scanning the offline order code, the offline payment function can be activated and the payment amount can be obtained from the information of the offline order code.

For another example, in the aforementioned application scenario example 2, the user's terminal can communicate with the payee's LAN server through the LAN, and the user can use his terminal to access the page provided by the LAN server. Calling instructions to the payment client can be used in these pages to realize calling the offline payment function of the payment client. When the user uses the offline payment function on these pages, the payment client receives the call instruction and starts the offline payment function according to the call specification. Similarly, the user can manually enter the payment amount after the offline payment function is activated, and the payment client can obtain the payment amount from the received user input after the offline payment function is activated; the payment amount can also be carried in the call command to pay the customer After receiving the call instruction, the terminal not only starts the offline payment function but also obtains the payment amount from the call instruction.

At the payment client, in step 320, an offline payment voucher carrying the payment amount and verification information is generated.

For the user and the payee, an offline payment voucher for a payment amount means the payment of the amount of the payment. When the user's payment client passes the offline payment voucher to the payee, it means that the money has been paid to the payee. The verification information used to generate the offline payment certificate reflects the security of dual offline payment. According to the characteristics of different application scenarios and the requirements for security, various measures for improving payment security can be adopted, and the information to be transmitted by these measures is used as verification information without limitation.

For example, verifying the digital signature of the payment client and the digital signature of the user can be used as a verification measure. Usually, the digital signature of the payment client can be preset in the payee's collection device, and the digital signature of the payment client, the digital signature of the user with his private key, and the user's public key are used as verification information , carried in the offline payment voucher. When verifying the offline payment certificate, the payee device uses the public key of the payment client stored locally to verify the digital signature of the payment client in the offline payment certificate, and uses the user public key in the offline payment certificate to verify the user's The digital signature is used for signature verification, and if one of the two fails the signature verification, the verification fails. The digital signature of the payment client can prove that the offline payment certificate is generated by a legitimate payment client, and the digital signature of the user can make this payment non-repudiable.

The validity period can be set for the offline payment voucher, and in this case, the verification information can include the generation time of the offline payment voucher. When verifying the offline payment certificate, the payee device judges whether the offline payment certificate is still valid according to the generation time and current time of the offline payment certificate, and if the validity period has expired, the verification fails.

In some application scenarios, the payee can grasp the personal identity of the user Information, such as name, certificate information, etc., is the case for payment scenarios on high-speed rail and airplanes. In these application scenarios, the verification information may include personal identity information such as the user's name and the user's certificate information. Wherein, the user's credential information may be part of the credential number, a hash value of the credential number, etc., which can not only protect the privacy of the user, but also be able to be checked. When the payee device verifies the offline payment certificate, it checks the user's personal identity information with the personal identity information in the offline payment certificate. If they are inconsistent, the verification fails. For example, in scenarios on high-speed trains and airplanes, the payee device can check whether the user name and ID information in the passenger information are consistent with the user name and ID information in the offline payment voucher to check the payment user. Checking the user's personal identity information can greatly improve the security of payment.

According to the specific implementation and user settings of the payment client, the payment client can directly generate an offline payment voucher after starting the offline payment function and obtaining the payment amount; it can also authenticate the user first after starting the offline payment function and obtaining the payment amount. After the user passes the local identity authentication, an offline payment voucher carrying the payment amount and verification information is generated. If the user does not pass the local identity authentication, the offline payment fails. The payment client can adopt various local identity authentication methods, such as face authentication, fingerprint authentication, password authentication, etc.

Since the payment cannot be transferred immediately in the dual offline payment scenario, it may happen that the user pays more than the payment limit he has. In order to avoid this situation, you can maintain the total amount of offline payment for the user locally on the payment client, and then start the offline payment function and get the payment amount Finally, the payment client compares the payment amount with the total amount of offline payment. If the payment amount is not greater than the total amount of offline payment stored locally, an offline payment voucher will be generated, and this payment will be deducted from the total amount of offline payment stored locally. The payment amount, that is: update the total amount of offline payment saved locally to the total amount of offline payment before the update minus the payment amount of this payment; if the payment amount is greater than the total amount of offline payment saved locally, the offline payment will fail.

The total amount of offline payment can be sent by the payment server to the payment client when the user's payment client is online. After receiving it, the payment client will update the total amount of offline payment stored locally to the offline payment issued by the payment server. total quota. The payment server can periodically calculate and issue the total amount of offline payment for each user; it can also calculate and issue the total amount of offline payment for each user when a specific behavior occurs on the user's payment client or the user's terminal, such as user When logging in, when it is detected that the user terminal enters the station or airport area; there is no limitation.

At the payment client, step 330, provide the generated offline payment certificate to the payment collection device, for the payment collection device to approve the payment by the payment client after verifying that the offline payment certificate is legal through the verification information.

On the payee's collection device, step 410, obtain an offline payment certificate from the user's payment client; the offline payment certificate carries the payment amount and verification information.

Various methods can be adopted between the user's payment client and the payee's payment collection device to transmit the offline payment voucher. The specific method can be based on the specific implementation of the actual application scenario, the user's terminal and payment collection in the actual application scenario It depends on the feasible way to transfer information between devices.

For example, in the first application scenario example above, the payee's payment collection device is a handheld device, and there is no network connection between the user's terminal and the handheld device. The user's payment client can generate an offline payment code based on the offline payment certificate, and display the generated offline payment code for the collection device to scan. The payee's handheld device scans the offline payment code displayed by the user's payment client to obtain the offline payment voucher. Offline payment codes can be one-dimensional barcodes, two-dimensional codes or other forms of codes, without limitation.

For another example, in the aforementioned application scenario example 2, the payee's collection device is a local area network server, and the user's terminal can communicate with the local area network server through the local area network. The address of the payee's LAN server can be preset in the user's payment client, and the payment client will send the generated offline payment certificate to the address of the LAN server through the LAN, and the payment will be collected. The local area network server of the party can receive the offline payment certificate.

On the receiving device of the payee, in step 420, the verification information is used to verify whether the offline payment certificate is legal.

As mentioned above, it is possible to decide which measures to improve payment security to take according to the characteristics of different application scenarios and security requirements, and use the information that these measures need to transmit as verification information. The collection device checks the verification information according to the verification measures corresponding to the specific content of the verification information. After all the verification information has passed the inspection, the collection device considers the offline payment certificate to be legal; if any of the verification information fails the inspection, the offline payment certificate is invalid.

The specific content of the verification information, and the verification measures for various verification information For details, please refer to the description of step 320, which will not be repeated here.

On the payment collection device of the payee, step 430, after verifying that the offline payment certificate is legal, approve the payment by the payment client.

After the collection device verifies that the offline payment certificate is legal, it is considered that the user's payment client has completed the payment.

In the application scenario where the payment collection device initiates a double offline payment collection request to the payment server, after the offline state ends, the payment collection device resumes network communication with the payment server, and the payment collection device sends the offline payment certificate sent to the payment server. After the payment server verifies that the offline payment certificate is legal, it transfers the payment amount in the user account to the payee's account.

In the application scenario where the payee initiates a double offline payment collection request from the collection server to the payment server, after the offline state ends, the collection device resumes network communication with the collection server, and the payment is collected. The device uploads the offline payment certificate to the collection server, and the collection server sends it to the payment server. After the payment server verifies that the offline payment certificate is legal, it transfers the payment amount in the user account to the payee's account.

It can be seen that in the embodiment of this specification, the user's payment client activates the offline payment function, obtains the payment amount, generates an offline payment voucher with the payment amount and verification information, and provides it to the collection device, and the collection device verifies the offline payment through the verification information After the certificate is legal, it can be recognized that the payment client has completed the payment of the payment amount. Users can pay in the dual-offline scenario based on the conventional payment process, which simplifies the user's operation, and the legality verification in the payment process makes the dual-offline payment more secure.

In the embodiment of this specification, the user's payment client starts the offline payment After the payment function, an offline payment voucher with payment amount and verification information is generated and provided to the payment collection device. The payment collection device verifies the legality of the offline payment voucher, and the payment behavior of the payment client can be recognized by the verification. In the embodiment of this specification, the user can pay in the dual offline scenario based on the conventional payment process, which simplifies the user's operation, and the legality verification in the payment process makes the dual offline payment have higher security. Provide more convenience for users under the premise of requirements.

The foregoing describes specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that in the examples and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. Multiplexing and parallel processing are also possible or may be advantageous in certain embodiments.

In the application example 1 of this manual, the airline provides users (passengers) with souvenirs, meals and other commodities that need to be purchased on the plane, and users of a third-party payment platform can use the payment client installed on their terminal Pay to buy. The payment client stores the private key of the payment client, the private key and the public key of the user on the third-party payment platform.

The payment server of the third-party payment platform calculates the total offline payment amount of the user in a predetermined period (such as one week, two weeks, etc.) according to the credit level of each user, and sends it to the payment client of each user. The payment client saves the issued offline payment total amount locally.

Airline displays on planes show users what products are available for purchase products, and the offline order code corresponding to each product. The offline order code carries the call information of the offline payment function of the payment client, product information, amount, airline, flight and other information, and has the format specified by the third-party payment platform. The payment process for the user to purchase goods on the plane is shown in Figure 5.

When the user wants to purchase a product on the plane, he opens the payment client of the third-party payment platform on his terminal and scans the offline order code.

The payment client activates the offline payment function according to the call information of the offline payment function in the offline order code, extracts the product information, amount and other information in the offline order code, and displays it to the user on the offline payment page, asking the user to confirm the payment.

After receiving the user's payment confirmation operation, the payment client reads the total amount of offline payment stored locally and compares it with the amount in the offline order code. If the amount in the offline order code exceeds the total offline payment amount read, the offline payment failure will be displayed to the user, and the payment process ends. If the amount in the offline order code does not exceed the read total amount of offline payment, the payment client will display the local identity authentication page to the user and perform local identity authentication on the user. According to the local identity authentication mode activated by the user, the user can be authenticated by face verification, fingerprint verification, or password verification.

After the user passes the local identity authentication, the payment client uses the amount in the offline order code as the payment amount to generate an offline payment voucher. The offline payment voucher also carries the digital signature of the payment client, the digital signature of the user, and the public payment key, the user's name, part of the user's ID number, and the generation time of the offline payment credential. The payment client updates the total amount of offline payment, and the total amount of offline payment after the update is equal to the total amount of offline payment before the update. Quota minus the amount of this payment.

The payment client renders the offline payment voucher into an offline payment QR code (an offline payment code), which is displayed on the screen of the user terminal for flight attendants to scan with handheld devices.

The flight attendant scans the offline payment QR code displayed on the user terminal with a handheld device to obtain an offline payment voucher.

The public key of the payment client of the third-party payment platform is stored locally in the handheld device. The handheld device verifies the offline payment certificate in the following three ways: use the locally stored payment client public key to verify the digital signature of the payment client in the offline payment certificate; use the user public key in the offline payment certificate to verify the offline Verify the digital signature of the user in the payment voucher; compare the generation time of the offline payment voucher with the current time to determine whether the offline payment voucher is within the predetermined validity period. If any of the above three ways of verification fail, delete the locally stored offline payment voucher, show the flight attendant that the payment failed, and the payment process ends.

After the verification of the above three methods is passed, the handheld device will display the amount in the offline payment voucher, the user's name and part of the user's ID number to the flight attendant, and the flight attendant will check with the user's name and user ID number in the passenger information. Check and check the payment amount. If the verification of the user's identity information or payment amount fails, the flight attendant will not accept the offline payment certificate, and the handheld device will delete the locally stored offline payment certificate. After the verification of the user's identity information and the payment amount is successful, the flight attendant accepts the offline payment certificate and delivers the goods purchased by the user to the user.

After the plane lands, the flight attendant will hold the offline payment voucher on the device Upload to the airline's collection server, and the payee's server sends the offline payment certificate to the payment server of the third-party payment platform to request payment. After the payment server uses the public key of the payment client and the public key of the user to verify that the offline payment certificate is legal, it transfers the payment amount from the user's account to the airline's account.

In the application example 2 of this manual, the airline sets up a local area network on the plane, and the local area network server provides users (passengers) with purchase and play services of pay-per-view movies. Users of a third-party payment platform can make payments through the payment client installed on their terminals. The payment client stores the private key of the payment client, the private key and the public key of the user on the third-party payment platform. The public key of the payment client is stored on the local network server.

After the payment server of the third-party payment platform detects that a user's terminal enters the airport, it calculates the total amount of the user's offline payment according to the user's credit rating, and sends it to the user's payment client. The payment client saves the issued offline payment total amount locally.

Figure 6 shows the payment process for a user to purchase a movie to watch on an airplane.

The user accesses the airline's LAN server through his terminal to browse the movie selection page. When the user selects a movie and performs a purchase operation, the movie selection page calls the offline payment function of the payment client, and carries movie information, amount, airline, flight and other information in the calling command.

The payment client starts the offline payment function according to the call command, extracts the movie information, amount and other information in the call command, and displays it to the user on the offline payment page, asking the user to confirm the payment.

After receiving the user's operation of confirming the payment, the payment client reads the total amount of offline payment stored locally and compares it with the amount in the call instruction. If the amount in the calling instruction exceeds the total offline payment amount read, the offline payment failure will be displayed to the user, and the payment process ends. If the amount in the calling instruction does not exceed the read total amount of offline payment, the payment client will display the local identity authentication page to the user and perform local identity authentication on the user. According to the local identity authentication mode activated by the user, the user can be authenticated by face verification, fingerprint verification, or password verification.

After the user passes the local identity authentication, the payment client uses the amount in the call command as the payment amount to generate an offline payment certificate, which also carries the digital signature of the payment client, the digital signature of the user, and the public key of the user. , the user's name, part of the user's ID number, and the generation time of the offline payment voucher. The payment client updates the total amount of offline payment, and the updated total amount of offline payment is equal to the total amount of offline payment before the update minus the amount of this payment.

The payment client sends the offline payment certificate to the airline's LAN server through the LAN.

After receiving the offline payment certificate, the regional network server verifies the offline payment certificate in the following five ways: use the locally stored public key of the payment client to verify the digital signature of the payment client in the offline payment certificate; The user's public key in the offline payment certificate verifies the user's digital signature in the offline payment certificate; compares the generation time of the offline payment certificate with the current time to determine whether the offline payment certificate is within the predetermined validity period; the offline payment certificate The user's name and part of the user's ID number in Code, check with the user name and ID number in the passenger information; check the payment amount. If any one of the above five methods of verification fails, the LAN server returns a payment failure notification message to the payment client, deletes the locally stored offline payment voucher, and the payment process ends.

After the verification of the above five methods is passed, the LAN server considers that the offline payment certificate is legal, recognizes that the user has completed the payment, and plays the movie purchased by the user to the user.

After the plane lands, the LAN server will upload the offline payment voucher to the collection server after connecting to the airline’s collection server, and the payee’s server will send the offline payment voucher to the third-party payment The platform's payment server requests payment. After the payment server uses the public key of the payment client and the public key of the user to verify that the offline payment certificate is legal, it transfers the payment amount from the user's account to the airline's account.

Corresponding to the implementation of the above process, the embodiment of this specification also provides a device for realizing dual offline payment applied to a payment client, and a device for realizing dual offline payment applied to a collection device. These two devices can be implemented by software, or by hardware or a combination of software and hardware. Taking software implementation as an example, as a device in the logical sense, it is formed by reading the corresponding computer program instructions into the memory through the CPU (Central Process Unit, central processing unit) of the device to run. From the perspective of hardware, in addition to the CPU, internal memory and memory shown in Figure 7, the device where the dual offline payment implementation device is located usually includes other hardware such as a chip for wireless signal transmission and reception, and / or for network communication Functional boards and other hardware.

Figure 8 shows a dual offline payment implementation device provided by the embodiment of this specification, which is applied to the payment client. The device includes a payment amount acquisition unit, a payment voucher generation unit, and a payment voucher provision unit, wherein: the payment amount acquisition unit It is used to start the offline payment function and obtain the payment amount; the payment certificate generation unit is used to generate the offline payment certificate carrying the payment amount and verification information; the payment certificate providing unit is used to provide the offline payment certificate to the collection device for collection The device approves the payment by the payment client after verifying that the offline payment certificate is legal through the verification information.

In an example, the payment client stores a total amount of offline payment locally; the payment voucher generating unit is specifically configured to: when the acquired payment amount is not greater than the total amount of offline payment stored locally, generate an Verify the offline payment certificate of the information, and deduct the payment amount from the offline payment total amount saved locally.

In the above example, the device may further include a payment total quota receiving unit, configured to update the locally stored offline payment total quota to the offline total payment quota issued by the payment server after receiving the offline payment total quota issued by the payment server. Pay the total amount.

Optionally, the verification information includes: the digital signature of the payment client, the digital signature of the user, and the public key of the user, for the collection device to use the public key and the public key of the payment client. The above user's public key is used to verify the digital signature.

Optionally, the verification information includes: the user's name and user certificate information, for the payee to check the information according to the user name and user certificate information in the passenger information. Check the payment user.

Optionally, the payment credential generation unit is specifically configured to: generate an offline payment credential carrying a payment amount and verification information after the user using the payment client passes local identity authentication.

Optionally, the payment amount acquisition unit is specifically used for one of the following: start the offline payment function by scanning the offline order code provided by the payee, and obtain the payment amount from the information of the offline order code; scan the payment amount provided by the payee The offline order code starts the offline payment function, and receives the payment amount input by the user; or, starts the offline payment function according to the user's operation, and receives the payment amount input by the user; the payment voucher providing unit is specifically used for: generating offline payment according to the offline payment voucher code, and display the offline payment code for the collection device to scan.

Optionally, the payment amount acquisition unit is specifically used for one of the following: receiving a call instruction to the payment client, starting the offline payment function according to the call specification, and obtaining the payment amount from the call instruction; receiving a call instruction to the payment client, Start the offline payment function according to the call specification, and receive the payment amount input by the user; or, start the offline payment function according to the user's operation, and receive the payment amount input by the user; the payment voucher providing unit is specifically used for: passing the offline payment voucher through the local area network The address of the local network server of the payee is preset in the payment client.

Figure 9 shows a device for implementing dual offline payment provided by the embodiment of this specification, which is applied to a collection device. The device includes a payment certificate acquisition unit, a payment certificate verification unit, and a payment acceptance unit, wherein: the payment certificate The certificate acquisition unit is used to obtain the offline payment certificate from the user's payment client; the offline payment certificate carries the payment amount and verification information; the payment certificate verification unit is used to verify whether the offline payment certificate is legal by using the verification information; The accepting unit is configured to approve the payment by the payment client after verifying that the offline payment voucher is legal.

Optionally, the verification information includes: the digital signature of the payment client, the digital signature of the user, and the public key of the user; the payment certificate verification unit is specifically used to: adopt the payment client Verifying the digital signature of the payment client with the public key of the terminal, and verifying the digital signature of the user with the public key of the user.

Optionally, the verification information includes: the user's name and user certificate information; the payment certificate verification unit is further configured to: check the payment user according to the user name and user certificate information in the passenger information.

Optionally, the payment collection device is a handheld device; the payment credential acquisition unit is specifically configured to: scan the offline payment code displayed by the user's payment client to obtain the offline payment credential.

Optionally, the payment collection device is a payee's local area network server; the payment certificate acquisition unit is specifically configured to: receive the offline payment certificate sent by the user's payment client through the local area network.

Optionally, the device further includes: a payment certificate uploading unit, configured to upload the offline payment certificate to the collection server, so that the collection server collects the payment amount through the payment server.

The embodiment of this specification provides a computer device, and the computer device includes a memory and a processor. Among them, stored in the memory can be processed by The computer program run by the server; when the processor runs the stored computer program, it executes each step of the implementation method of dual offline payment applied to the payment client in the embodiment of this specification. For a detailed description of each step of the implementation method of dual offline payment applied to the payment client, please refer to the previous content, and will not be repeated here.

The embodiment of this specification provides a computer device, and the computer device includes a memory and a processor. Wherein, a computer program that can be run by the processor is stored in the memory; when the processor runs the stored computer program, it executes each step of the implementation method of dual offline payment applied to the payment collection device in the embodiment of this specification. For the detailed description of each step of the implementation method of dual offline payment applied to the payment collection device, please refer to the previous content, and will not be repeated here.

The embodiment of this specification provides a computer-readable storage medium, on which computer programs are stored. When these computer programs are run by a processor, they execute the implementation method of the dual offline payment applied to the payment client in the embodiment of this specification. each step. For a detailed description of each step of the implementation method of dual offline payment applied to the payment client, please refer to the previous content, and will not be repeated here.

The embodiment of this specification provides a computer-readable storage medium, on which computer programs are stored. When these computer programs are run by the processor, the implementation of the dual offline payment applied to the payment collection device in the embodiment of this specification is implemented. steps of the method. For the detailed description of each step of the implementation method of dual offline payment applied to the payment collection device, please refer to the previous content, and will not be repeated here.

The above descriptions are only preferred embodiments of this specification, and are not intended to limit other embodiments for protection. All modifications, equivalent replacements, improvements, etc. made within the spirit and principles of this specification shall be included within the scope of protection requested.

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

Memory may include non-permanent memory in computer readable media, random access memory (RAM) and/or forms of nonvolatile memory such as read only memory (ROM) or flash memory ( flash RAM). A memory is an example of a computer readable medium.

Computer-readable media includes both permanent and non-permanent, removable and non-removable media and can be implemented by any method or technology for storage of information. Information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for computers include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM) , read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital multifunction A compact disc (DVD) or other optical storage, magnetic cassette, magnetic tape disk storage or other magnetic storage device or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include transitory computer readable media, such as modulated data signals and carrier waves.

It should also be noted that the term "comprises", "comprises" or any Any other variation is intended to cover a non-exclusive inclusion such that a process, method, article, or apparatus comprising a set of elements includes not only those elements but also other elements not expressly listed, or is also included as such process , method, commodity or device inherent in the elements. Without further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of additional identical elements in the process, method, article or apparatus comprising said element.

Those skilled in the art should understand that the embodiments of this specification may be provided as methods, systems or computer program products. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present specification may employ a computer program embodied on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) having computer-usable program code embodied therein. The form of the product.

Claims (28)

A method for realizing dual-offline payment, which is applied to a payment client, and the method includes: in an online state, receiving and saving the payment sent by the payment server when it detects that the user terminal where the payment client is located enters a station or an airport area. the total amount of offline payment; start the offline payment function and obtain the payment amount; when the obtained payment amount is not greater than the locally stored offline payment total amount, generate an offline payment voucher carrying the payment amount and verification information, and Deducting the payment amount from the offline payment total amount stored locally; providing the offline payment certificate to the collection device for the collection device to verify that the offline payment certificate is legal through the verification information , approve the payment of the payment client. According to the method described in claim 1, the verification information includes: the digital signature of the payment client, the digital signature of the user, and the public key of the user, for the collection device to use the payment client's The public key and the public key of the user perform digital signature verification. According to the method described in claim 1, the verification information includes: the user's name and user certificate information, and the payee checks the paying user according to the user name and the user certificate information in the user information . According to the method described in claim 1, the generation of the offline payment voucher carrying the payment amount and the verification information includes: After the user using the payment client passes local identity authentication, an offline payment voucher carrying the payment amount and the verification information is generated. According to the method described in claim 1, the starting of the offline payment function and obtaining the payment amount includes one of the following: starting the offline payment function by scanning the offline order code provided by the payee, and obtaining the payment amount from the Obtain the payment amount from the information of the offline order code; scan the offline order code provided by the payee to start the offline payment function, and receive the payment amount input by the user; or start the offline payment according to the user's operation Payment function, receiving the payment amount input by the user; providing the offline payment voucher to the collection device includes: generating an offline payment code according to the offline payment voucher, and displaying the offline payment code for the Payment device scanning. According to the method described in claim 1, the starting of the offline payment function and obtaining the payment amount includes one of the following: receiving a call instruction to the payment client, and starting the offline payment function according to the call specification , and obtain the payment amount from the call instruction; receive the call instruction to the payment client, start the offline payment function according to the call specification, and receive the payment amount input by the user; or according to the user The operation starts the offline payment function, and receives the payment amount input by the user; The provision of the offline payment voucher to the collection device includes: sending the offline payment voucher to the payee's LAN server through the local area network, and the bit of the payee's LAN server The address is preset in the payment client. A method for implementing dual offline payment, which is applied to a payment collection device, the method comprising: obtaining an offline payment certificate from a user's payment client; The payment amount is generated when the payment amount is not greater than the locally stored offline payment total amount; the locally stored offline payment total amount is detected by the payment server when the user terminal where the payment client is located enters the station or airport area It is currently issued to the payment client in the online state; using the verification information to verify whether the offline payment certificate is legal; after verifying that the offline payment certificate is legal, the payment of the payment client is approved. According to the method described in claim 7, the verification information includes: the digital signature of the payment client, the digital signature of the user, and the public key of the user; Whether the offline payment voucher is legal includes: verifying the digital signature of the payment client with the public key of the payment client, and verifying the digital signature of the user with the public key of the user. According to the method described in claim 7, the verification information includes: the user's name and user certificate information; The verification of whether the offline payment voucher is legal by using the verification information includes: checking the payment user according to the user name and the user certificate information in the passenger information. According to the method described in claim 7, the payment collection device is a handheld device; the obtaining the offline payment certificate from the payment client of the user includes: scanning the offline payment certificate displayed by the payment client of the user Payment code, to obtain the offline payment certificate. According to the method described in claim 7, the payment collection device is a payee's local area network server; and obtaining the offline payment certificate from the payment client of the user includes: receiving the payment via the local area network The offline payment credential sent by the payment client of the user. According to the method described in claim 7, the method further includes: uploading an offline payment certificate to the collection server, so that the collection server collects the payment amount through the payment server. A device for implementing dual offline payment, which is applied to a payment client, and the device includes: a payment total amount receiving unit, configured to receive and save the payment server in the online state when it detects that the payment server is located at the user terminal where the payment client is located. The total amount of offline payment issued when entering the station or airport area; the payment amount acquisition unit is used to start the offline payment function and obtain the payment amount; the payment voucher generation unit is used for when the obtained payment amount is not When it is greater than the total amount of offline payment stored locally, an offline payment voucher carrying the payment amount and the verification information is generated, and the payment amount is deducted from the total amount of offline payment stored locally; the payment voucher provides A unit, configured to provide the offline payment certificate to the payment collection device, for the payment collection device to approve the payment by the payment client after verifying that the offline payment certificate is legal through the verification information. According to the device described in claim 13, the verification information includes: the digital signature of the payment client, the digital signature of the user, and the public key of the user, for the collection device to use the payment client's The public key and the public key of the user perform digital signature verification. According to the device described in claim 13, the verification information includes: the user's name and user certificate information, for the payee to check the paying user according to the user name and the user certificate information in the passenger information. According to the device described in claim 13, the payment credential generation unit is specifically configured to: generate an offline payment credential carrying the payment amount and the verification information after the user using the payment client passes local identity authentication. According to the device described in claim 13, the payment amount acquisition unit is specifically used for one of the following: start the offline payment function by scanning the offline order code provided by the payee, and obtain the payment amount from the information of the offline order code The payment amount; scan the offline order code provided by the payee to start the offline payment function, receiving the payment amount input by the user; or starting the offline payment function according to the user's operation, and receiving the payment amount input by the user; the payment voucher providing unit is specifically used for: according to the offline payment voucher Generate an offline payment code, and present the offline payment code for the collection device to scan. According to the device described in claim 13, the payment amount acquisition unit is specifically used for one of the following: receiving a calling instruction to the payment client, starting the offline payment function according to the calling instruction, and obtain the payment amount; receive the call instruction to the payment client, start the offline payment function according to the call specification, and receive the payment amount input by the user; or start the offline payment according to the user's operation Function, receiving the payment amount input by the user; the payment certificate providing unit is specifically used to: send the offline payment certificate to the payee's local area network server through the local area network, and the payee's area The address of the network server is preset in the payment client. A device for implementing dual offline payment, which is applied to a payment collection device, and the device includes: a payment certificate acquisition unit, configured to obtain an offline payment certificate from a user's payment client; the offline payment certificate carries a payment amount and verification information, By the payment client when the payment amount is not greater than the locally saved The offline payment total amount is generated when the offline payment total amount is generated; the locally stored offline payment total amount is issued to all online state users when the payment server detects that the user terminal where the payment client is located enters a station or airport area. The payment client; the payment certificate verification unit, used to use the verification information to verify whether the offline payment certificate is legal; the payment accepting unit, after verifying that the offline payment certificate is legal, to approve the payment of the payment client. According to the device described in claim 19, the verification information includes: the digital signature of the payment client, the digital signature of the user, and the public key of the user; the payment certificate verification unit is specifically used for: The digital signature of the payment client is verified by using the public key of the payment client, and the digital signature of the user is verified by the user public key. According to the device described in claim 19, the verification information includes: the user's name and user certificate information; the payment certificate verification unit is specifically configured to: according to the user name and the user certificate information in the passenger information , check the payment user. According to the device described in claim 19, the payment collection device is a handheld device; the payment credential obtaining unit is specifically configured to: scan the offline payment code displayed by the payment client of the user to obtain the offline payment credential. According to the device described in claim 19, the payment collection device An area network server serving as the payee; the payment credential acquiring unit is specifically configured to: receive the offline payment credential sent by the payment client of the user through the local area network. According to the device described in claim 19, the device further includes: a payment certificate uploading unit, configured to upload an offline payment certificate to the collection server, so that the collection server can collect the payment of the payment amount through the payment server . A computer device, comprising: a memory and a processor; a computer program that can be run by the processor is stored in the memory; when the processor runs the computer program, it executes any one of the requirements 1 to 6 A step of. A computer device, comprising: a memory and a processor; a computer program that can be run by the processor is stored on the memory; when the processor runs the computer program, it executes any one of the requirements 7 to 12 A step of. A computer-readable storage medium, on which a computer program is stored, and when the computer program is run by a processor, the steps described in any one of claims 1 to 6 are executed. A computer-readable storage medium, on which a computer program is stored, and when the computer program is run by a processor, the steps described in any one of claims 7 to 12 are executed.

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