WO2017107870A1 - 一种脱机消费的方法及装置 - Google Patents

一种脱机消费的方法及装置 Download PDF

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Publication number
WO2017107870A1
WO2017107870A1 PCT/CN2016/110460 CN2016110460W WO2017107870A1 WO 2017107870 A1 WO2017107870 A1 WO 2017107870A1 CN 2016110460 W CN2016110460 W CN 2016110460W WO 2017107870 A1 WO2017107870 A1 WO 2017107870A1
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WO
WIPO (PCT)
Prior art keywords
card account
bank card
information
electronic cash
amount
Prior art date
Application number
PCT/CN2016/110460
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English (en)
French (fr)
Inventor
陈成钱
周钰
郭伟
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中国银联股份有限公司
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Publication date
Application filed by 中国银联股份有限公司 filed Critical 中国银联股份有限公司
Publication of WO2017107870A1 publication Critical patent/WO2017107870A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4093—Monitoring of device authentication

Definitions

  • the present invention relates to the field of electronic cash, and in particular to a method and apparatus for offline consumption.
  • the e-cash card stores a cash balance that can be used for offline consumption, which can meet the needs of certain industries (such as public transportation, rental, railway, subway, etc.).
  • the offline consumption method based on electronic cash will gradually become a common payment method in people's daily small consumption.
  • Circulation refers to the process of deducting part of the funds from the cardholder's bank card account (such as the credit card associated with the electronic cash card), and the deducted amount is stored on the electronic cash card, thus avoiding the risk of carrying cash. Zero, lost, counterfeit banknotes and other drawbacks.
  • the existing electronic cash offline consumption has a limitation of the amount of the deposit, and cannot be transferred to an excessive amount, so the cardholder needs to frequently deposit from the bank card account to the electronic cash card.
  • the existing electronic cash storage terminal equipment has a limited configuration, so that the card holder cannot carry out the storage at any time and any place.
  • the flash card phenomenon is easily caused, which causes a serious problem that the electronic cash amount is deducted but the consumption fails. Therefore, the user experience of electronic cash is reduced, which is not conducive to the promotion of electronic cash.
  • the invention provides a method and a device for offline consumption, which are used to solve the electronic cash in the prior art.
  • the problem of frequent storage and inconvenient storage is required for the offline consumption process.
  • Embodiments of the present invention provide a method for offline consumption, including:
  • the terminal receives the electronic cash card information, and obtains, according to the electronic cash card information, bank card account information bound to the electronic cash card and an authorized amount corresponding to the bank card account;
  • the terminal deducts the offline consumption amount from the authorized amount.
  • the terminal acquires, according to the electronic cash card information, the bank card account information bound to the electronic cash card and the authorized amount corresponding to the bank card account, including:
  • the terminal If the terminal stores the binding relation database, the terminal acquires the bank card account bound to the electronic cash card according to the binding relationship between the electronic cash card and the bank card account in the binding relationship database, and Determining a corresponding authorized amount according to a binding relationship between the bank card account and the authorized amount in the binding relation database; or
  • the terminal sends the electronic cash card information to an acquirer server, and receives the bank card bound by the electronic cash card sent by the acquirer server. Account information and the authorized amount corresponding to the bank card account.
  • the terminal further includes:
  • the terminal If the terminal stores the binding relationship database, the terminal sends the bank card account information and the offline consumption amount to the acquiring institution server, and receives the updated bank sent by the acquiring institution server.
  • the terminal If the terminal does not store the binding relationship database, the terminal sends the bank card account information and the offline consumption amount to the acquirer server.
  • the terminal receives the electronic cash card information, and obtains the bank card account information bound to the electronic cash card and the authorized amount corresponding to the bank card account according to the electronic cash card information, and further includes:
  • the terminal If the terminal stores the binding relationship database, the terminal acquires a binding relationship between the electronic cash card and the bank card account and an authorized amount corresponding to the bank card account at a preset check-in time, and Update the binding relational database.
  • the method further includes:
  • the terminal sends pre-authorization request information to the acquirer server, so that the acquirer server sends the pre-authorization request to the card issuer server.
  • the pre-authorization request information includes the bank card account information and the authorized amount information;
  • the terminal determines the updated authorized amount according to the updated binding relationship between the bank card account and the authorized amount sent by the acquiring institution server. Deducting the offline consumption amount from the updated authorization amount; or,
  • the terminal sends the electronic cash card information to an acquirer server at a preset update time, and receives the electronic cash card sent by the acquirer server.
  • the bound bank card account information and the updated authorization amount corresponding to the bank card account are deducted from the updated authorized amount in the updated authorized amount.
  • the embodiment of the invention further provides a method for offline consumption, comprising:
  • the acquiring institution server receives the electronic cash card information sent by the terminal, obtains the bank card account bound to the electronic cash card according to the binding relationship between the electronic cash card and the bank card account, and binds according to the bank card account and the authorized amount. Determine the relationship and determine the corresponding authorized amount;
  • the acquiring institution server sends the bank card account information bound to the electronic cash card and the authorized amount corresponding to the bank card account to the terminal, so that the electronic cash card is bound according to the electronic cash card
  • the bank card account information and the authorized amount corresponding to the bank card account are offline consumed at the terminal.
  • the method further includes:
  • the acquiring institution server updates the binding relationship between the bank card account and the authorized amount according to the bank card account information and the offline consumption amount sent by the terminal.
  • the method further includes:
  • the acquiring mechanism server sends the pre-authorization request information to the card issuing institution server according to the sending pre-authorization request information sent by the terminal, where the pre-authorization request information includes the bank card account information and the authorized amount information;
  • the acquirer server After receiving the pre-authorization confirmation information sent by the card issuer server, the acquirer server updates the binding relationship between the bank card account and the authorized amount.
  • the method further includes:
  • the acquiring institution server calculates the total amount of offline consumption according to the bank card account information and the offline consumption amount sent by the terminal within a set time period, and offline the bank card account information at a preset deduction time.
  • the total amount of consumption is sent to the card issuer server to cause the card issuer server to debit the bank card account based on the total amount of offline purchases.
  • the method further includes:
  • the acquiring institution server receives the bank card account authorization request information, and sends the bank card account authorization request information to the card issuing institution server, where the bank card account authorization request information includes the bank card account information and the electronic cash card information;
  • the acquirer server After confirming receipt of the bank card account authorization confirmation information sent by the card issuer server, the acquirer server binds the bank card account to the electronic cash card, and sends the bank card account to the card issuer server at a preset authorization time. Sending pre-authorization request information, where the pre-authorization request information includes the bank card account information and the authorized amount information;
  • the acquirer server After receiving the pre-authorization confirmation information sent by the card issuer server, the acquirer server updates the binding relationship between the bank card account and the authorized amount.
  • the embodiment of the invention further provides a method for offline consumption, comprising:
  • the card issuer server receives the bank card account authorization request information sent by the acquirer server, and the bank card account authorization request information includes bank card account information and electronic cash card information;
  • the pre-authorization request information sent by the acquirer server, where the pre-authorization request information includes the bank card account information and the authorized amount information;
  • the method further includes:
  • the total offline consumption amount is determined by the acquiring institution server according to the bank card account information and the offline consumption amount sent by the terminal.
  • An embodiment of the present invention further provides an apparatus for offline consumption, including:
  • the terminal receiving unit is configured to receive electronic cash card information, and obtain, according to the electronic cash card information, bank card account information bound to the electronic cash card and an authorized amount corresponding to the bank card account;
  • the terminal execution unit is configured to: if the authorized amount is greater than the offline consumption amount, deduct the offline consumption amount from the authorized amount.
  • the terminal receiving unit is further configured to:
  • binding relational database If the binding relational database is stored, obtaining a bank card account bound to the electronic cash card according to the binding relationship between the electronic cash card and the bank card account in the binding relation database, and according to the binding relationship The binding relationship between the bank card account and the authorized amount in the database, and determine the corresponding authorized amount; or,
  • the electronic cash card information is sent to the acquiring institution server, and the bank card account information bound by the electronic cash card sent by the acquiring institution server and the bank are received. The authorized amount corresponding to the card account.
  • the terminal execution unit is further configured to:
  • binding relationship database if the binding relationship database is stored, sending the bank card account information and the offline consumption amount to the acquiring institution server, and receiving the updated bank card account corresponding to the sending by the acquiring institution server.
  • the authorized amount
  • the bank card account information and the offline consumption amount are sent to the acquirer server.
  • the terminal receiving unit is further configured to:
  • binding relationship database If the binding relationship database is stored, the binding relationship between the electronic cash card and the bank card account and the authorized amount corresponding to the bank card account are obtained at a preset check-in time, and the binding relationship database is updated.
  • the terminal execution unit is further configured to:
  • the pre-authorization request information includes the bank card account information and the authorized amount information
  • binding relation database determining, according to the updated binding relationship between the bank card account and the authorized amount sent by the acquirer server, the updated authorized amount, and the updated authorized amount Deducting the offline consumption amount; or,
  • the electronic cash card information is sent to the acquiring institution server at a preset update time, and the bank card account bound by the electronic cash card sent by the acquiring institution server is received. And the updated authorized amount corresponding to the bank card account, and the offline consumption amount is deducted from the updated authorized amount.
  • An embodiment of the present invention further provides an apparatus for offline consumption, including:
  • Receiving institution receiving unit for receiving electronic cash card information sent by the terminal, obtaining a bank card account bound to the electronic cash card according to the binding relationship between the electronic cash card and the bank card account, and according to the bank card account and The binding relationship of the authorized amount to determine the corresponding authorized amount;
  • Acquirer sending unit bank card account information and information used to bind the electronic cash card Sending an authorization amount corresponding to the bank card account to the terminal, so that the electronic cash card is taken off at the terminal according to the bank card account information bound by the electronic cash card and the authorized amount corresponding to the bank card account Machine consumption.
  • the acquiring mechanism sending unit is further configured to:
  • the binding relationship between the bank card account and the authorized amount is updated according to the bank card account information and the offline consumption amount sent by the terminal.
  • the acquiring mechanism sending unit is further configured to:
  • the acquiring mechanism sending unit is further configured to:
  • the total amount of offline consumption is calculated according to the bank card account information and the offline consumption amount sent by the terminal within the set time period, and the bank card account information and the total amount of offline consumption are sent to the card issuance at a preset deduction time.
  • An institution server configured to cause the card issuer server to debit the bank card account according to the total amount of offline consumption.
  • the acquiring mechanism receiving unit is further configured to:
  • the pre-authorization request information includes the bank card account information and the authorized amount information
  • An embodiment of the present invention provides an apparatus for offline consumption, including:
  • a card issuing institution receiving unit configured to receive bank card account authorization request information sent by an acquirer server, where the bank card account authorization request information includes bank card account information and electronic cash card information;
  • a card issuer binding unit configured to send a bank card account authorization confirmation message to the acquirer server after confirming the bank card account information, so that the acquirer server binds the bank card account to the Electronic cash card;
  • a card issuer authorization unit configured to receive pre-authorization request information sent by the acquirer server at a preset authorization time, where the pre-authorization request information includes the bank card account information and authorized amount information;
  • a card issuing unit sending unit configured to send pre-authorization confirmation information to the acquiring institution server after confirming the authorized amount information, so that the electronic cash card is based on the bank card account information and the information bound by the electronic cash card The authorized amount corresponding to the bank card account is consumed offline at the terminal.
  • the card issuing unit sending unit is further configured to:
  • the total amount of offline consumption is determined by the acquiring institution server according to the bank card account information sent by the terminal and the offline consumption amount.
  • An embodiment of the present invention provides a POS terminal, including: a transceiver, a processor, a memory, and a bus interface, wherein a processor, a memory, and a transceiver are connected through a bus interface;
  • the transceiver is configured to receive electronic cash card information under the control of the processor
  • the memory is configured to store one or more executable programs, and may store data used by the processor when performing operations;
  • the processor is configured to read a program in the memory, and execute the following method: acquiring, according to the electronic cash card information, bank card account information bound to the electronic cash card and an authorization corresponding to the bank card account The amount; if the authorized amount is greater than the offline consumption amount, the offline consumption amount is deducted from the authorized amount;
  • the bus interface is for providing an interface.
  • the processor is specifically configured to:
  • the memory stores the binding relation database, acquiring a bank card account bound to the electronic cash card according to the binding relationship between the electronic cash card and the bank card account in the binding relation database, and according to the Binding the binding relationship between the bank card account and the authorized amount in the relational database to determine the corresponding authorized amount; or
  • the memory does not store the binding relation database, sending the electronic cash card information to the acquirer server through the transceiver, and receiving, by the transceiver, the sending by the acquirer server The bank card account information bound to the electronic cash card and the authorized amount corresponding to the bank card account.
  • the processor is further configured to:
  • the memory stores the binding relation database, sending, by the transceiver, the bank card account information and an offline consumption amount to the acquirer server, and receiving the receipt through the transceiver The authorized amount corresponding to the updated bank card account sent by the organization server;
  • the memory does not store the binding relation database, the bank card account information and the offline consumption amount are sent to the acquirer server by the transceiver.
  • the processor is further configured to:
  • the memory stores the binding relationship database, obtaining a binding relationship between the electronic cash card and the bank card account and an authorization amount corresponding to the bank card account at a preset check-in time, and updating the binding Determine the relational database.
  • the processor is further configured to:
  • the transceiver sends, by the transceiver, pre-authorization request information to the acquirer server, so that the acquirer server sends the pre-release to the card issuer server Authorization request information, the pre-authorization request information including the bank card account information and the authorized amount information;
  • the memory stores the binding relation database, binding the updated bank card account and the authorized amount sent by the acquirer server received by the transceiver Determining an updated authorized amount, and deducting the offline consumption amount from the updated authorized amount;
  • the memory does not store the binding relationship database, send the electronic cash card information to the acquiring institution server through the transceiver at a preset update time, and receive the receiving through the transceiver
  • the bank card account information and the updated authorization amount corresponding to the bank card account sent by the single-agent server are deducted from the updated authorized amount.
  • An embodiment of the present invention provides an acquirer server, including: a transceiver, a processor, a memory, and a bus interface, wherein a processor, a memory, and a transceiver are connected by a bus interface;
  • the memory is configured to store one or more executable programs, and may store data used by the processor when performing operations;
  • the processor is configured to read a program in the memory, and execute the following method: acquiring a bank card account bound to the electronic cash card according to a binding relationship between the electronic cash card and the bank card account, and according to the bank The binding relationship between the card account and the authorized amount, and determine the corresponding authorized amount;
  • the transceiver is configured to receive the electronic cash card information sent by the POS terminal under the control of the processor; and send the bank card account information bound to the electronic cash card and the authorized amount corresponding to the bank card account To the POS terminal, so that the electronic cash card is offlinely consumed by the POS terminal according to the bank card account information bound by the electronic cash card and the authorized amount corresponding to the bank card account;
  • the bus interface is for providing an interface.
  • the processor is further configured to:
  • the processor is further configured to:
  • the processor is further configured to:
  • the offline consumption total amount is sent to the card issuer server, so that the card issuer server debits the bank card account according to the total amount of offline consumption.
  • the processor is further configured to:
  • the pre-authorization request information including the bank card account information and authorized amount information
  • An embodiment of the present invention provides a card issuer server, including: a transceiver, a processor, a memory, and a bus interface, wherein a processor, a memory, and a transceiver are connected by a bus interface;
  • the memory is configured to store one or more executable programs, and may store data used by the processor when performing operations;
  • the transceiver is configured to receive bank card account authorization request information sent by an acquirer server under control of the processor, where the bank card account authorization request information includes bank card account information and electronic cash card information; Receiving pre-authorization request information sent by the acquiring institution server at a preset authorization time, where the pre-authorization request information includes the bank card account information and the authorized amount information;
  • the processor is configured to read a program in the memory, and execute the following method: After the bank card account information is described, the bank card account authorization confirmation information is sent to the acquirer server through the transceiver, so that the acquirer server binds the bank card account to the electronic cash card; Sending pre-authorization confirmation information to the acquirer server through the transceiver after confirming the authorization amount information, so that the electronic cash card is based on the bank card account information bound to the electronic cash card and the bank The authorized amount corresponding to the card account is consumed offline at the POS terminal;
  • the bus interface is for providing an interface.
  • the processor is further configured to:
  • the total amount of offline consumption is determined by the acquiring institution server according to the bank card account information and the offline consumption amount sent by the POS terminal.
  • the terminal receives the electronic cash card information, and obtains the bank card account information and the authorized amount corresponding to the bank card account bound to the electronic cash card according to the electronic cash card information; If the amount is greater than the offline consumption amount, the terminal deducts the offline consumption amount from the authorized amount. According to the method and device for offline consumption provided by the embodiment of the present invention, the terminal directly deducts the offline consumption amount according to the authorized amount corresponding to the electronic cash card, and the user no longer needs to deposit the electronic cash card, thereby improving system efficiency and users. Demand matching.
  • FIG. 1 is a schematic structural diagram of an offline consumption system according to an embodiment of the present invention.
  • FIG. 2 is a schematic flowchart of an offline consumption method according to an embodiment of the present invention.
  • FIG. 3 is a schematic flowchart of another offline consumption method according to an embodiment of the present invention.
  • FIG. 4 is a schematic flowchart of another offline consumption method according to an embodiment of the present invention.
  • FIG. 5 is a flowchart of an offline consumption method according to an embodiment of the present invention.
  • FIG. 6 is a schematic structural diagram of an offline consumption device according to an embodiment of the present invention.
  • FIG. 7 is a schematic structural diagram of another offline consumption device according to an embodiment of the present invention.
  • FIG. 8 is a schematic structural diagram of another offline consumption device according to an embodiment of the present invention.
  • FIG. 9 is a schematic structural diagram of a POS terminal according to an embodiment of the present disclosure.
  • FIG. 10 is a schematic structural diagram of a server of an acquirer according to an embodiment of the present invention.
  • FIG. 11 is a schematic structural diagram of a server of a card issuing institution according to an embodiment of the present invention.
  • FIG. 1 is a schematic structural diagram of an offline consumption system according to an embodiment of the present invention.
  • the offline consumption method provided by the embodiment of the present invention may be based on the offline consumption system as shown in FIG. 1, and includes: an acquirer server 101, a card issuer server 102, and a plurality of terminals 103.
  • the terminal 103 is a consuming service terminal, such as a POS terminal;
  • the acquirer server 101 is a server corresponding to the consuming service terminal, such as a POS terminal server;
  • the card issuer server 102 is a server of the issuing bank corresponding to the bank card account.
  • the acquirer server 101 receives the electronic cash card binding bank card account authorization request information initiated by the user, and sends the bank card account authorization request information to the card issuer server 102, and the card issuer server 102 according to the bank card account.
  • the authorization request information confirms the electronic cash card information and the bank card account information, and after confirmation, sends the bank card account authorization confirmation information to the acquirer server 101.
  • the acquirer server 101 binds the bank card account to the electronic cash card, and transmits the pre-authorization request information to the card issuer server 102 at the first preset time, and the card issuer server 102 according to the pre-authorization
  • the request information confirms the bank card account information and the preset amount information, and sends the pre-authorization confirmation information to the acquirer server 101 after confirmation.
  • the acquirer server 101 may store the binding relationship between the electronic cash card and the bank card account and the binding relationship between the bank card account and the authorized amount to the binding relationship database, or in the second The binding time of the electronic cash card and the bank card account and the binding relationship of the bank card account and the authorized amount or the binding relationship database are sent to all the terminals 103 under the acquirer server 101, that is, the terminal 1 1031 and the terminal. 2 1032 and terminal n 1033.
  • the terminal 1 1031 When offline consumption, for example, the user inserts the electronic cash card into the terminal 1 1031, the terminal 1 1031 receives the electronic cash card information, and obtains the bank card account information and the bank card account bound to the electronic cash card according to the electronic cash card information.
  • Authorization amount if the authorized amount is greater than the offline consumption amount, the terminal directly deducts the offline consumption amount in the authorized amount.
  • the terminal 1 1031 transmits the bank card account information and the offline consumption amount to the acquirer server 101, and the acquirer server 101 updates the authorization amount corresponding to the bank card account, and correspondingly updates the bank card account.
  • the authorized amount is sent to all terminals 103 under the acquirer server 101, that is, the terminal 1 1031, the terminal 2 1032, and the terminal n 1033, so that all the terminals 103 perform offline consumption according to the updated authorized amount.
  • the embodiment of the invention provides an offline consumption method, and the corresponding execution entity is a terminal, which may specifically be a POS terminal.
  • a schematic flowchart of an offline consumption method according to an embodiment of the present invention includes:
  • Step 201 The terminal receives the electronic cash card information, and obtains the bank card account information bound to the electronic cash card and the authorized amount corresponding to the bank card account according to the electronic cash card information.
  • Step 202 If the authorized amount is greater than the offline consumption amount, the terminal deducts the offline consumption amount from the authorized amount.
  • the binding relationship between the electronic cash card and the bank card account and the binding relationship between the bank card account and the authorized amount are stored in the binding relation database, and the binding relation database may be directly stored in the terminal, or Stored in the acquirer server.
  • the terminal Before the step 201, if the terminal stores the binding relation database, the terminal obtains the binding relationship between the electronic cash card and the bank card account and the bank card account at the preset check-in time, for example, the online time. The corresponding authorization amount of the user, and update the binding relation database.
  • step 201 if the terminal stores the binding relation database, the terminal acquires the bank card account bound to the electronic cash card according to the binding relationship between the electronic cash card and the bank card account in the binding relation database, and according to the binding The binding relationship between the bank card account and the authorized amount in the relational database determines the corresponding authorized amount.
  • step 201 if the terminal does not store the binding relation database, the terminal sends the electronic cash card information to the acquiring institution server, and receives the bank card account information and the bank card account corresponding to the electronic cash card sent by the acquiring institution server. Authorized amount.
  • the user spends 300 yuan, inserts the electronic cash card 1 into the POS terminal 1 during offline consumption, and the POS terminal 1 searches for the electronic cash card and the bank card in the local binding relationship database according to the information of the electronic cash card 1.
  • the binding relationship of the account obtaining the bank card account 1 bound to the electronic cash card 1, and determining the corresponding authorized amount according to the binding relationship between the bank card account and the authorized amount in the binding relation database, for example, 500.
  • the POS terminal 1 deducts the offline consumption amount of 300 yuan from the authorized amount of 500 yuan.
  • step 202 if the authorized amount is less than the offline consumption amount, the terminal sends the pre-authorization request information to the acquirer server, so that the acquirer server sends the pre-authorization request information to the card issuer server, and the pre-authorization request information includes the bank card. Account information and authorization amount information.
  • the terminal determines the updated authorization amount according to the binding relationship between the updated bank card account and the authorized amount sent by the acquirer server, and deducts the offline consumption from the updated authorized amount. Amount.
  • the terminal sends the electronic cash card information to the acquirer server every second after the preset update time, for example, after sending the pre-authorization request information, and receives the electronic cash card sent by the acquirer server.
  • the bound bank card account information and the updated authorization amount corresponding to the bank card account are deducted from the offline authorized consumption amount in the updated authorized amount.
  • the POS terminal 1 transmits the pre-authorization request information to the acquirer server to make the acquirer server to the card issuer server.
  • the POS terminal 1 determines, according to the binding relationship between the updated bank card account 1 and the authorized amount sent by the acquirer server, that the updated authorized amount is 500 yuan, after the update.
  • the authorized amount of 500 yuan is deducted from the remaining offline consumption amount of 300 yuan.
  • the POS terminal 1 If the POS terminal 1 does not store the binding relation database, the POS terminal 1 transmits the electronic cash card information 1 to the acquirer server every second after the preset update time, for example, after transmitting the pre-authorization request information, and receives the acquirer server.
  • the bank card account information 1 to which the electronic cash card 1 is sent and the updated authorization amount corresponding to the bank card account are 500 yuan, and the remaining offline consumption amount is 300 yuan in the original authorized amount 500.
  • the terminal After the step 202, if the terminal stores the binding relation database, the terminal sends the bank card account information and the offline consumption amount to the acquiring institution server, and receives the authorization corresponding to the updated bank card account sent by the acquiring institution server. Amount. If the terminal does not store the binding relation database, the terminal sends the bank card account information and the offline consumption amount to the acquirer server.
  • the POS terminal 1 sends the bank card account 1 and the consumption amount of 300 yuan to the acquiring institution server, and the acquiring institution server updates the authorized amount corresponding to the bank card account 1, and the authorized bank card account 1 corresponds to an authorized amount of 200. yuan. If the terminal stores the binding relation database, the authorized amount corresponding to the updated bank card account 1 is 200 yuan and is sent to all POS terminals under the acquiring institution server.
  • the terminal receives the electronic cash card information, and obtains the bank card account information and the bank card account corresponding to the electronic cash card according to the electronic cash card information; if the authorized amount is greater than If the machine consumes the amount, the terminal deducts the offline consumption amount from the authorized amount.
  • the terminal directly deducts the offline consumption amount according to the authorized amount corresponding to the electronic cash card, and the user no longer needs to deposit the electronic cash card, thereby improving the system efficiency and the user demand matching. degree.
  • FIG. 3 is a schematic flowchart of another offline consumption method according to an embodiment of the present invention, including:
  • Step 301 The acquiring institution server receives the electronic cash card information sent by the terminal, and obtains the bank card account bound to the electronic cash card according to the binding relationship between the electronic cash card and the bank card account, and according to the bank card account and the authorized amount. Bind the relationship and determine the corresponding authorization amount.
  • Step 302 The acquiring institution server sends the bank card account information bound to the electronic cash card and the authorized amount corresponding to the bank card account to the terminal, so that the electronic cash card is linked to the bank card account information and the bank card account according to the electronic cash card. The corresponding authorized amount is consumed offline at the terminal.
  • the acquirer server Prior to step 301, the acquirer server also needs to perform two authorization requests and authorization confirmation interactions with the card issuer server.
  • the first authorization interaction process the acquirer server receives the bank card account authorization request information corresponding to the user-initiated electronic cash card, and sends the bank card account authorization request information to the card issuer server, and the bank card account authorization request information includes the bank card account. Information and electronic cash card information. After receiving the confirmation of the bank card account authorization sent by the card issuer server, the acquirer server binds the bank card account to the electronic cash card.
  • the second authorization interaction process the card issuer server sends pre-authorization request information to the card issuer server at a preset authorization time, for example, a zero point every day, and the pre-authorization request information includes bank card account information and authorized amount information.
  • the acquirer server After receiving the pre-authorization confirmation information sent by the card issuer server, the acquirer server updates the binding relationship between the bank card account and the authorized amount.
  • the acquiring institution server receives the bank card account 1 authorization request information corresponding to the electronic cash card 1 initiated by the user, and sends the bank card account 1 authorization request information to the card issuing institution server, and the bank card account 1 authorization request information includes the bank card account 1 Information and electronic cash card 1 information.
  • the acquirer server After receiving the authorization information of the bank card account 1 sent by the card issuer server, the acquirer server binds the bank card account 1 to the electronic cash card 1.
  • the card issuer server sends pre-authorization request information to the card issuer server at a preset authorization time, for example, zero every day.
  • the pre-authorization request information includes bank card account 1 information and authorized amount information, for example, 500 yuan.
  • the acquirer server After receiving the pre-authorization confirmation information sent by the card issuer server, the acquirer server updates the binding relationship between the bank card account 1 and the authorized amount, that is, the license amount of the bank card account 1 is 500 yuan.
  • the acquirer server may further update the binding relationship between the bank card account and the authorized amount according to the bank card account information sent by the terminal and the offline consumption amount.
  • the acquiring institution server also updates the authorization amount corresponding to the bank card account 1 according to the bank card account 1 and the consumption amount of 300 yuan sent by the POS terminal 1, and the authorized amount corresponding to the updated bank card account 1 is 200 yuan, that is, updated. Bind the relational database. If the terminal stores the binding relation database, the acquirer server sends the updated authorization amount corresponding to the bank card account 1 to 200 yuan to all POS terminals under the acquirer server.
  • the acquiring institution server may further send the pre-authorization request information to the card issuing institution server according to the sending pre-authorization request information sent by the terminal, where the pre-authorization request information includes the bank card account information and the authorized amount information; the acquiring institution server confirms After receiving the pre-authorization confirmation information sent by the card issuer server, the binding relationship between the bank card account and the authorized amount is updated.
  • the acquirer server receives the pre-authorization request information sent by the POS terminal 1, according to the bank card account 1 in the pre-authorization request information.
  • the information and the authorized amount information is, for example, 500 yuan, and the pre-authorization request information is sent to the card issuer server, and the acquirer server updates the binding of the bank card account 1 and the authorized amount after confirming receipt of the pre-authorization confirmation information sent by the card issuer server.
  • the relationship, that is, the license amount of the bank card account 1 is reset to 500 yuan.
  • the acquiring institution server counts the total amount of offline consumption according to the bank card account information and the offline consumption amount sent by the terminal within a set time period, for example, within 24 hours, at a preset deduction time, for example, daily.
  • the bank card account information and the total amount of offline consumption are sent to the card issuer server, so that the card issuer server actually debits the bank card account according to the total amount of offline consumption.
  • the acquirer server counts the total amount of offline consumption, for example, 2,000 yuan based on the bank card account information 1 and the offline consumption amount sent by all POS terminals within 24 hours, and the bank card account information 1 at 24 o'clock every day.
  • the total amount of offline consumption of 2,000 yuan is sent to the card issuer server, so that the card issuer server can actually debit the bank card account 1 according to the total amount of offline consumption of 2,000 yuan.
  • the receiving institution server receives the sending by the terminal
  • the electronic cash card information is obtained according to the binding relationship between the electronic cash card and the bank card account, and the bank card account bound to the electronic cash card is obtained, and the corresponding authorized amount is determined according to the binding relationship between the bank card account and the authorized amount.
  • the terminal can directly deduct the offline consumption amount according to the authorized amount corresponding to the electronic cash card, and the user no longer needs to deposit the electronic cash card, thereby improving system efficiency and user demand. suitability.
  • FIG. 4 is a schematic flowchart of another offline consumption method according to an embodiment of the present invention, including:
  • Step 401 The card issuer server receives the bank card account authorization request information sent by the acquirer server, and the bank card account authorization request information includes bank card account information and electronic cash card information. After confirming the bank card account information, the card issuer server sends the bank card account authorization confirmation information to the acquirer server, so that the acquirer server binds the bank card account to the electronic cash card.
  • Step 402 The card issuer server receives pre-authorization request information sent by the acquirer server at a preset authorization time, where the pre-authorization request information includes bank card account information and authorized amount information. After the card issuer server confirms the authorization amount information, the pre-authorization confirmation information is sent to the acquirer server, so that the electronic cash card is offlinely consumed at the terminal according to the bank card account information bound by the electronic cash card and the authorized amount corresponding to the bank card account. .
  • the card issuer server needs to perform two authorization interactions with the acquirer server prior to offline consumption.
  • the first authorization interaction process the card issuer server receives the bank card account authorization request information sent by the acquirer server, and the bank card account authorization request information includes the bank card account information and the electronic cash card information.
  • the card issuer server confirms whether the bank card account information is correct, and if so, sends the bank card account authorization confirmation information to the acquirer server, so that the acquirer server will bank the account card
  • the user binds the electronic cash card; otherwise, the bank card account authorization confirmation failure message is sent to the acquirer server.
  • the second authorization interaction process the card issuer server receives the pre-authorization request information sent by the acquirer server at a preset authorization time, for example, zero every day, and the pre-authorization request information includes bank card account information and authorized amount information.
  • the card issuer server confirms whether the account amount of the bank card account is greater than or equal to the authorized amount, and if so, sends the pre-authorization confirmation information to the acquirer server, so that the electronic cash card is linked to the bank card account information and the bank card according to the electronic cash card.
  • the authorized amount corresponding to the account is consumed offline at the terminal; otherwise, the pre-authorization confirmation failure message is sent to the acquirer server.
  • the card issuer server receives the bank card account 1 authorization request information corresponding to the electronic cash card 1 sent by the acquirer server, and the bank card account 1 authorization request information includes the bank card account 1 information and the electronic cash card 1 information.
  • the card issuer service confirms the bank card account 1 information. If the bank card account 1 information is correct, the card issuer server sends the bank card account 1 authorization confirmation message to the acquirer server, so that the card issuer server binds the bank card account 1 Electronic cash card 1.
  • the card issuer server receives the pre-authorization request information sent by the acquirer server at zero every day, and the pre-authorization request information includes the bank card account 1 information and the authorized amount information, for example, 500 yuan.
  • the card issuer server confirms whether the account amount of the bank card account 1 is greater than or equal to the authorized amount of 500 yuan, and if so, sends the pre-authorization confirmation information to the acquirer server, so that the electronic cash card 1 is bound according to the electronic cash card 1
  • the account 1 information and the bank card account 1 corresponding to the authorized amount of 500 yuan are consumed offline at the POS terminal.
  • the card issuer server may further receive the bank card account information and the offline consumption total amount sent by the acquirer server at a preset deduction time, for example, 24 o'clock every day, and perform the bank card account according to the total amount of offline consumption.
  • the actual deduction, the total amount of offline consumption is determined by the acquirer server according to the bank card account information sent by the terminal and the offline consumption amount.
  • the card issuer server can also receive the bank card account 1 information sent by the acquirer server at 24 o'clock and the total amount of offline consumption is, for example, 2,000 yuan, and the bank card account 1 is actually debited according to the total amount of offline consumption of 2,000 yuan. For example, if the bank card account 1 account amount is 3,000 yuan, then the deduction In addition to the offline consumption amount on the day, the account amount is updated, which is 1,000 yuan.
  • the card issuer server receives the bank card account authorization request information sent by the acquirer server, and sends the bank card account authorization confirmation information to the acquirer server after confirming the bank card account information
  • the preset authorization time receives the pre-authorization request information sent by the acquiring institution server, and sends the pre-authorization confirmation information to the acquiring institution server after confirming the authorized amount information, so that the electronic cash card is based on the bank card account information bound by the electronic cash card and The authorized amount corresponding to the bank card account is consumed offline at the terminal.
  • the terminal can directly deduct the offline consumption amount according to the authorized amount corresponding to the electronic cash card, and the user no longer needs to deposit the electronic cash card, thereby improving system efficiency and user demand. suitability.
  • FIG. 5 is a flowchart of an offline consumption method according to an embodiment of the present invention, including:
  • Step 501 The acquiring institution server receives the electronic cash card binding bank card account authorization request information initiated by the user, and sends the bank card account authorization request information to the card issuing institution server.
  • Step 502 The card issuing institution server confirms the electronic cash card information and the bank card account information according to the bank card account authorization request information, and sends the bank card account authorization confirmation information to the acquiring institution server after confirming.
  • Step 503 The acquiring institution server binds the bank card account to the electronic cash card, and sends the pre-authorization request information to the card issuing institution server, where the pre-authorization request information includes the bank card account information and the authorized amount information.
  • Step 504 The card issuer server confirms the bank card account information and the preset amount information according to the pre-authorization request information, and sends the pre-authorization confirmation information to the issuer server after confirmation.
  • the acquirer server stores the binding relationship between the electronic cash card and the bank card account and the binding relationship between the bank card account and the authorized amount to the binding relation database.
  • Step 505 When offline consumption, the terminal receives the electronic cash card information, and sends the electronic cash card information to the acquiring institution server.
  • Step 506 The acquiring institution server binds the electronic cash card according to the electronic cash card information.
  • the bank card account information and the authorized amount corresponding to the bank card account are sent to the terminal.
  • Step 507 If the authorized amount is greater than the offline consumption amount, the terminal directly deducts the offline consumption amount in the authorized amount. After offline consumption, the terminal sends the bank card account information and the offline consumption amount to the acquirer server.
  • Step 508 The acquiring institution server counts the total amount of offline consumption according to the bank card account information and the offline consumption amount sent by the terminal within a set time period, for example, within 24 hours, and the bank is at a preset deduction time, for example, 24 o'clock every day.
  • the card account information and the total amount of offline consumption are sent to the card issuer server, so that the card issuer server actually debits the bank card account according to the total amount of offline consumption.
  • FIG. 6 is a schematic structural diagram of an offline consumer device according to an embodiment of the present invention, including:
  • the terminal receiving unit 601 is configured to receive electronic cash card information, and obtain, according to the electronic cash card information, bank card account information bound to the electronic cash card and an authorized amount corresponding to the bank card account;
  • the terminal executing unit 602 is configured to: when the authorized amount is greater than the offline consumption amount, deduct the offline consumption amount from the authorized amount.
  • the terminal receiving unit 601 is further configured to:
  • binding relational database If the binding relational database is stored, obtaining a bank card account bound to the electronic cash card according to the binding relationship between the electronic cash card and the bank card account in the binding relation database, and according to the binding relationship The binding relationship between the bank card account and the authorized amount in the database, and determine the corresponding authorized amount; or,
  • the electronic cash card information is sent to the acquiring institution server, and the bank card account information bound by the electronic cash card sent by the acquiring institution server and the bank are received. The authorized amount corresponding to the card account.
  • terminal execution unit 602 is further configured to:
  • binding relation database if the binding relation database is stored, sending the bank card account information and the offline consumption amount to the acquiring institution server, and receiving the updated information sent by the acquiring institution server The authorized amount corresponding to the bank card account;
  • the bank card account information and the offline consumption amount are sent to the acquirer server.
  • the terminal receiving unit 601 is further configured to:
  • binding relationship database If the binding relationship database is stored, the binding relationship between the electronic cash card and the bank card account and the authorized amount corresponding to the bank card account are obtained at a preset check-in time, and the binding relationship database is updated.
  • terminal execution unit 602 is further configured to:
  • the pre-authorization request information includes the bank card account information and the authorized amount information
  • binding relation database determining, according to the updated binding relationship between the bank card account and the authorized amount sent by the acquirer server, the updated authorized amount, and the updated authorized amount Deducting the offline consumption amount; or,
  • the electronic cash card information is sent to the acquiring institution server at a preset update time, and the bank card account bound by the electronic cash card sent by the acquiring institution server is received. And the updated authorized amount corresponding to the bank card account, and the offline consumption amount is deducted from the updated authorized amount.
  • the terminal receives the electronic cash card information, and obtains the bank card account information and the bank card account corresponding to the electronic cash card according to the electronic cash card information; if the authorized amount is greater than If the machine consumes the amount, the terminal deducts the offline consumption amount from the authorized amount.
  • the terminal directly deducts the offline consumption amount according to the authorized amount corresponding to the electronic cash card, and the user no longer needs to deposit the electronic cash card, thereby improving the system efficiency and the user demand matching. degree.
  • the embodiment of the present invention further provides another offline consumption device, and the corresponding entity structure is an acquirer server, and specifically may be a POS terminal server.
  • the corresponding entity structure is an acquirer server, and specifically may be a POS terminal server.
  • FIG 7 Another schematic diagram of the structure of an offline consumer device provided by the embodiment of the present invention includes:
  • the acquiring institution receiving unit 701 is configured to receive the electronic cash card information sent by the terminal, obtain the bank card account bound to the electronic cash card according to the binding relationship between the electronic cash card and the bank card account, and according to the bank card account Binding relationship with the authorized amount to determine the corresponding authorized amount;
  • the acquiring institution sending unit 702 is configured to send the bank card account information bound to the electronic cash card and the authorized amount corresponding to the bank card account to the terminal, so that the electronic cash card is based on the electronic cash
  • the card-bound bank card account information and the authorized amount corresponding to the bank card account are offline consumed at the terminal.
  • the acquiring mechanism sending unit 702 is further configured to:
  • the binding relationship between the bank card account and the authorized amount is updated according to the bank card account information and the offline consumption amount sent by the terminal.
  • the acquiring mechanism sending unit 702 is further configured to:
  • the acquiring mechanism sending unit 702 is further configured to:
  • the total amount of offline consumption is calculated according to the bank card account information and the offline consumption amount sent by the terminal within the set time period, and the bank card account information and the total amount of offline consumption are sent to the card issuance at a preset deduction time.
  • An institution server configured to cause the card issuer server to debit the bank card account according to the total amount of offline consumption.
  • the acquiring mechanism receiving unit 701 is further configured to:
  • the acquiring institution server receives the electronic cash card information sent by the terminal, and obtains the bank card account bound to the electronic cash card according to the binding relationship between the electronic cash card and the bank card account. And according to the binding relationship between the bank card account and the authorized amount, the corresponding authorized amount is determined. Sending the bank card account information bound by the electronic cash card and the authorized amount corresponding to the bank card account to the terminal, so that the electronic cash card is carried out at the terminal according to the bank card account information bound by the electronic cash card and the authorized amount corresponding to the bank card account.
  • the terminal can directly deduct the offline consumption amount according to the authorized amount corresponding to the electronic cash card, and the user no longer needs to deposit the electronic cash card, thereby improving system efficiency and user demand. suitability.
  • the embodiment of the present invention further provides another offline consumption device, corresponding to the physical structure card issuer server, and specifically may be a server of the card issuing bank corresponding to the bank card account.
  • FIG. 8 is a schematic structural diagram of another offline consumption device according to an embodiment of the present invention, including:
  • the card issuing institution receiving unit 801 is configured to receive bank card account authorization request information sent by the acquirer server, where the bank card account authorization request information includes bank card account information and electronic cash card information;
  • Card issuer binding unit 802 configured to send bank card account authorization confirmation information to the acquirer server after confirming the bank card account information, so that the acquirer server binds the bank card account Electronic cash card;
  • the card issuing authority authorization unit 803 is configured to receive pre-authorization request information sent by the acquiring institution server at a preset authorization time, where the pre-authorization request information includes the bank card account information and the authorized amount information;
  • Card issuer sending unit 804 for sending pre-authorization confirmation after confirming the authorized amount information The information is sent to the acquiring institution server, so that the electronic cash card is offline consumed at the terminal according to the bank card account information bound by the electronic cash card and the authorized amount corresponding to the bank card account.
  • the card issuing mechanism sending unit 804 is further configured to:
  • the total amount of offline consumption is determined by the acquiring institution server according to the bank card account information sent by the terminal and the offline consumption amount.
  • the card issuer server receives the bank card account authorization request information sent by the acquirer server, and sends the bank card account authorization confirmation information to the acquirer server after confirming the bank card account information
  • the preset authorization time receives the pre-authorization request information sent by the acquiring institution server, and sends the pre-authorization confirmation information to the acquiring institution server after confirming the authorized amount information, so that the electronic cash card is based on the bank card account information bound by the electronic cash card and The authorized amount corresponding to the bank card account is consumed offline at the terminal.
  • the terminal can directly deduct the offline consumption amount according to the authorized amount corresponding to the electronic cash card, and the user no longer needs to deposit the electronic cash card, thereby improving system efficiency and user demand. suitability.
  • an embodiment of the present invention further provides a POS terminal, as shown in FIG. 9, including: a transceiver 901, a processor 902, a memory 903, and a bus interface 904, wherein the processor 902, the memory 903, and the transceiver 901 is connected by a bus interface 904;
  • the transceiver 901 is configured to receive electronic cash card information under the control of the processor 902;
  • the memory 903 is configured to store one or more executable programs, and may store data used by the processor 902 when performing an operation;
  • the processor 902 is configured to read a program in the memory 903, and execute the following method: acquiring bank card account information bound to the electronic cash card and corresponding to the bank card account according to the electronic cash card information The authorized amount; if the authorized amount is greater than the offline consumption amount, the offline consumption amount is deducted from the authorized amount;
  • the bus interface 904 is configured to provide an interface.
  • processor 902 is specifically configured to:
  • the memory 903 stores the binding relation database, acquiring a bank card account bound to the electronic cash card according to the binding relationship between the electronic cash card and the bank card account in the binding relation database, and according to the Defining the binding relationship between the bank card account and the authorized amount in the binding relation database, and determining the corresponding authorized amount; or
  • the electronic cash card information is sent to the acquiring institution server through the transceiver 901, and the receiving machine 901 receives the sending by the acquiring institution server.
  • the bank card account information bound to the electronic cash card and the authorized amount corresponding to the bank card account.
  • processor 902 is further configured to:
  • the memory 903 stores the binding relationship database
  • the bank card account information and the offline consumption amount are sent to the acquirer server through the transceiver 901, and the transceiver 901 receives the Determining the authorized amount corresponding to the updated bank card account sent by the acquiring institution server;
  • the memory 903 does not store the binding relationship database, the bank card account information and the offline consumption amount are transmitted to the acquirer server through the transceiver 901.
  • processor 902 is further configured to:
  • the memory 903 stores the binding relationship database, acquiring a binding relationship between the electronic cash card and the bank card account and an authorization amount corresponding to the bank card account at a preset check-in time, and updating the Bind the relational database.
  • processor 902 is further configured to:
  • the transceiver 901 sends, by the transceiver 901, pre-authorization request information to the acquirer server, so that the acquirer server sends the card to the card issuer server Pre-authorization request information, the pre-authorization request information including the bank card account information and authorized amount information;
  • the memory 903 stores the binding relationship database, according to the updated bank card account and the authorized amount sent by the acquirer server received by the transceiver 901 Binding relationship, determining an updated authorization amount, and deducting the offline consumption amount from the updated authorization amount; or
  • the electronic cash card information is sent to the acquiring institution server through the transceiver 901 at a preset update time, and is received by the transceiver 901.
  • the bank card account information that is sent by the acquiring institution server and bound to the electronic cash card and the updated authorized amount corresponding to the bank card account, and the offline consumption is deducted from the updated authorized amount. Amount.
  • an embodiment of the present invention further provides an acquirer server, as shown in FIG. 9, comprising: a transceiver 1001, a processor 1002, a memory 1003, and a bus interface 1004, wherein the processor 1002 and the memory 1003 are The transceivers 1001 are connected by a bus interface 1004;
  • the memory 1003 is configured to store one or more executable programs, and may store data used by the processor 1002 when performing operations;
  • the processor 1002 is configured to read a program in the memory 1003, and execute the following method: acquiring a bank card account bound to the electronic cash card according to a binding relationship between the electronic cash card and the bank card account, and Determine the corresponding authorized amount according to the binding relationship between the bank card account and the authorized amount;
  • the transceiver 1001 is configured to receive, according to the processor 1002, electronic cash card information sent by the POS terminal, and the bank card account information bound to the electronic cash card and the authorization corresponding to the bank card account. Sending the amount to the POS terminal, so that the electronic cash card is offlinely consumed by the POS terminal according to the bank card account information bound by the electronic cash card and the authorized amount corresponding to the bank card account;
  • the bus interface 1004 is configured to provide an interface.
  • processor 1002 is further configured to:
  • processor 1002 is further configured to:
  • pre-authorization request information Sending pre-authorization request information to the card issuer server through the transceiver 1001 according to the sending pre-authorization request information sent by the POS terminal, where the pre-authorization request information includes the bank Card account information and authorized amount information;
  • processor 1002 is further configured to:
  • processor 1002 is further configured to:
  • the transceiver 1001 Receiving the bank card account authorization request information by the transceiver 1001, and transmitting, by the transceiver 1001, the bank card account authorization request information to the card issuer server, where the bank card account authorization request information includes the bank card account information And electronic cash card information;
  • the bank card account After confirming receipt of the bank card account authorization confirmation information sent by the card issuer server, the bank card account is bound to the electronic cash card, and the card issuer server is sent to the card issuer server through the transceiver 1001 at a preset authorization time.
  • an embodiment of the present invention further provides a card issuing mechanism server, as shown in FIG. 11, comprising: a transceiver 1101, a processor 1102, a memory 1103, and a bus interface 1104, wherein the processor 1102, the memory 1103, and the transceiver 1103
  • the machines 1101 are connected by a bus interface 1104;
  • the memory 1103 is configured to store one or more executable programs, and may store data used by the processor 1102 when performing an operation;
  • the transceiver 1101 is configured to receive, by the processor 1102, bank card account authorization request information sent by an acquirer server, where the bank card account authorization request information includes bank card account information and electronic cash card information; And receiving pre-authorization request information sent by the acquirer server at a preset authorization time, where the pre-authorization request information includes the bank card account information and Authorized amount information;
  • the processor 1102 is configured to read a program in the memory 1103, and execute the following method: sending the bank card account authorization confirmation information to the acquirer server through the transceiver after confirming the bank card account information So that the acquirer server binds the bank card account to the electronic cash card; and, after confirming the authorized amount information, sends pre-authorization confirmation information to the acquirer server through the transceiver So that the electronic cash card is offline consumed at the POS terminal according to the bank card account information bound by the electronic cash card and the authorized amount corresponding to the bank card account;
  • the bus interface 1104 is configured to provide an interface.
  • processor 1102 is further configured to:
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that instructions stored in the computer readable memory produce an article of manufacture including an instruction system.
  • the system implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of a flowchart.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device. Having a series of operational steps performed on a computer or other programmable device to produce computer-implemented processing such that instructions executed on a computer or other programmable device are provided for implementing one or more processes and/or block diagrams in the flowchart. The steps of a function specified in a box or multiple boxes.

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Abstract

一种脱机消费的方法及装置，终端接收电子现金卡信息，根据电子现金卡信息获取与电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额（201）；若授权金额大于脱机消金额，则所述终端在授权金额中扣除脱机消费金额（202）。该脱机消费的方法及装置，终端根据电子现金卡对应的授权金额直接进行脱机消费金额的扣除，用户不再需要对电子现金卡进行圈存，提高了系统效率和用户需求匹配度。

Description

一种脱机消费的方法及装置
本申请要求在2015年12月21日提交中国专利局、申请号为201510968203.4、发明名称为“一种脱机消费的方法及装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及电子现金领域，尤其涉及一种脱机消费的方法及装置。
背景技术
电子现金卡上存储有可用于脱机消费的现金余额，能够满足某些行业(例如公交、出租、铁路、地铁等)应用的需要。基于电子现金的脱机消费方式将逐步成为在人们日常小额消费中的常用支付方式。当电子现金卡账户没有足够的金额时，需要对其进行圈存。圈存是指将持卡人的银行卡账户(例如与电子现金卡关联的信用卡)上的部分资金扣除，扣除的金额被储存在电子现金卡上的过程，从而避免了携带现金带来的找零、遗失、伪钞等弊端。
然而，现有的电子现金脱机消费存在圈存金额的限制，不能转入过多的金额，因而持卡人需要频繁地从银行卡账户往电子现金卡圈存。且现有的电子现金圈存终端设备配置有限，使得持卡人无法随时随地进行圈存。此外，在电子现金使用过程中由于通讯错误及数据验证问题，容易导致的闪卡现象，从而造成电子现金金额被扣但消费失败的严重问题。因而，降低了电子现金的用户体验，不利于电子现金的推广。
综上所述，现有的电子现金脱机消费过程中存在需要进行频繁圈存、圈存不方便以及闪卡等问题，导致用户需求匹配度较低。
发明内容
本发明提供一种脱机消费的方法及装置，用以解决现有技术中电子现金 脱机消费过程需要进行的频繁圈存、圈存不方便的问题。
本发明实施例提供一种脱机消费的方法，包括：
终端接收电子现金卡信息，根据所述电子现金卡信息获取与所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额；
若所述授权金额大于脱机消费金额，则所述终端在所述授权金额中扣除所述脱机消费金额。
可选的，所述终端根据所述电子现金卡信息，获取所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额，包括：
若所述终端存储绑定关系数据库，则所述终端根据所述绑定关系数据库中的电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据所述绑定关系数据库中的银行卡账户和授权金额的绑定关系，确定对应的授权金额；或，
若所述终端未存储所述绑定关系数据库，则所述终端将所述电子现金卡信息发送至收单机构服务器，接收所述收单机构服务器发送的所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额。
可选的，所述终端在所述授权金额中扣除所述脱机消费金额之后，还包括：
若终端存储所述绑定关系数据库，则所述终端将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器，接收所述收单机构服务器发送的更新后的所述银行卡账户对应的所述授权金额；
若终端未存储所述绑定关系数据库，则所述终端将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器。
可选的，所述终端接收电子现金卡信息，根据所述电子现金卡信息获取所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额之前，还包括：
若终端存储所述绑定关系数据库，则所述终端在预设签到时间获取电子现金卡与所述银行卡账户的绑定关系及所述银行卡账户对应的授权金额，并 更新所述绑定关系数据库。
可选的，所述方法还包括：
若所述授权金额小于所述脱机消费金额，则所述终端向所述收单机构服务器发送预授权请求信息，以使所述收单机构服务器向所述发卡机构服务器发送所述预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
若所述终端存储所述绑定关系数据库，则所述终端根据所述收单机构服务器发送的更新后的所述银行卡账户和授权金额的绑定关系，确定更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额；或，
若所述终端未存储所述绑定关系数据库，则所述终端在预设更新时间将所述电子现金卡信息发送至收单机构服务器，接收所述收单机构服务器发送的所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额。
本发明实施例还提供一种脱机消费的方法，包括：
收单机构服务器接收终端发送的电子现金卡信息，根据电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据银行卡账户和授权金额的绑定关系，确定对应的授权金额；
所述收单机构服务器将所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额发送至所述终端，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在所述终端进行脱机消费。
可选的，所述收单机构服务器将所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额发送至所述终端之后，还包括：
所述收单机构服务器根据终端发送的银行卡账户信息和脱机消费金额，更新所述银行卡账户和授权金额的绑定关系。
可选的，所述收单机构服务器将所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额发送至所述终端之后，还包括：
所述收单机构服务器根据终端发送的发送预授权请求信息，向发卡机构服务器发送所述预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
所述收单机构服务器在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
可选的，所述收单机构服务器将所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额发送至所述终端之后，还包括：
所述收单机构服务器根据终端在设定时长内发送的所述银行卡账户信息和脱机消费金额，统计脱机消费总金额，在预设扣款时间将所述银行卡账户信息和脱机消费总金额发送至发卡机构服务器，以使所述发卡机构服务器根据所述脱机消费总金额对所述银行卡账户进行扣款。
可选的，所述收单机构服务器接收终端发送的电子现金卡信息之前，还包括：
所述收单机构服务器接收银行卡账户授权请求信息，将所述银行卡账户授权请求信息发送给发卡机构服务器，所述银行卡账户授权请求信息包括所述银行卡账户信息和电子现金卡信息；
所述收单机构服务器在确认接收到所述发卡机构服务器发送的银行卡账户授权确认信息后，将所述银行卡账户绑定所述电子现金卡，在预设授权时间向所述发卡机构服务器发送预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
所述收单机构服务器在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
本发明实施例还提供一种脱机消费的方法，包括：
发卡机构服务器接收收单机构服务器发送的银行卡账户授权请求信息，所述银行卡账户授权请求信息包括银行卡账户信息和电子现金卡信息；
所述发卡机构服务器在确认所述银行卡账户信息后发送银行卡账户授权确认信息至所述收单机构服务器，以使所述收单机构服务器将所述银行卡账 户绑定所述电子现金卡；
所述发卡机构服务器在预设授权时间接收所述收单机构服务器发送的预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
所述发卡机构服务器在确认所述授权金额信息后发送预授权确认信息至所述收单机构服务器，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在终端进行脱机消费。
可选的，所述发卡机构服务器在确认所述授权金额信息后发送预授权确认信息至所述收单机构服务器之后，还包括：
所述发卡机构服务器在预设扣款时间接收所述收单机构服务器发送的所述银行卡账户信息和脱机消费总金额，根据所述脱机消费总金额对所述银行卡账户进行扣款，所述脱机消费总金额由所述收单机构服务器根据终端发送的银行卡账户信息和脱机消费金额进行统计确定。
本发明实施例还提供一种脱机消费的装置，包括：
终端接收单元：用于接收电子现金卡信息，根据所述电子现金卡信息获取与所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额；
终端执行单元：用于若所述授权金额大于脱机消费金额，则在所述授权金额中扣除所述脱机消费金额。
可选的，所述终端接收单元，还用于：
若存储绑定关系数据库，则根据所述绑定关系数据库中的电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据所述绑定关系数据库中的银行卡账户和授权金额的绑定关系，确定对应的授权金额；或，
若未存储所述绑定关系数据库，则将所述电子现金卡信息发送至收单机构服务器，接收所述收单机构服务器发送的所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额。
可选的，所述终端执行单元，还用于：
若存储所述绑定关系数据库，则将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器，接收所述收单机构服务器发送的更新后的所述银行卡账户对应的所述授权金额；
若未存储所述绑定关系数据库，则将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器。
可选的，所述终端接收单元，还用于：
若存储所述绑定关系数据库，则在预设签到时间获取电子现金卡与所述银行卡账户的绑定关系及所述银行卡账户对应的授权金额，并更新所述绑定关系数据库。
可选的，所述终端执行单元，还用于：
若所述授权金额小于所述脱机消费金额，则向所述收单机构服务器发送预授权请求信息，以使所述收单机构服务器向所述发卡机构服务器发送所述预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
若存储所述绑定关系数据库，则根据所述收单机构服务器发送的更新后的所述银行卡账户和授权金额的绑定关系，确定更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额；或，
若未存储所述绑定关系数据库，则在预设更新时间将所述电子现金卡信息发送至收单机构服务器，接收所述收单机构服务器发送的所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额。
本发明实施例还提供一种脱机消费的装置，包括：
收单机构接收单元：用于接收终端发送的电子现金卡信息，根据电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据银行卡账户和授权金额的绑定关系，确定对应的授权金额；
收单机构发送单元：用于将所述电子现金卡绑定的银行卡账户信息及所 述银行卡账户对应的授权金额发送至所述终端，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在所述终端进行脱机消费。
可选的，所述收单机构发送单元，还用于：
根据终端发送的银行卡账户信息和脱机消费金额，更新所述银行卡账户和授权金额的绑定关系。
可选的，所述收单机构发送单元，还用于：
根据终端发送的发送预授权请求信息，向发卡机构服务器发送所述预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
可选的，所述收单机构发送单元，还用于：
根据终端在设定时长内发送的所述银行卡账户信息和脱机消费金额，统计脱机消费总金额，在预设扣款时间将所述银行卡账户信息和脱机消费总金额发送至发卡机构服务器，以使所述发卡机构服务器根据所述脱机消费总金额对所述银行卡账户进行扣款。
可选的，所述收单机构接收单元，还用于：
接收银行卡账户授权请求信息，将所述银行卡账户授权请求信息发送给发卡机构服务器，所述银行卡账户授权请求信息包括所述银行卡账户信息和电子现金卡信息；
在确认接收到所述发卡机构服务器发送的银行卡账户授权确认信息后，将所述银行卡账户绑定所述电子现金卡，在预设授权时间向所述发卡机构服务器发送预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
本发明实施例提供一种脱机消费的装置，包括：
发卡机构接收单元：用于接收收单机构服务器发送的银行卡账户授权请求信息，所述银行卡账户授权请求信息包括银行卡账户信息和电子现金卡信息；
发卡机构绑定单元：用于在确认所述银行卡账户信息后发送银行卡账户授权确认信息至所述收单机构服务器，以使所述收单机构服务器将所述银行卡账户绑定所述电子现金卡；
发卡机构授权单元：用于在预设授权时间接收所述收单机构服务器发送的预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
发卡机构发送单元：用于在确认所述授权金额信息后发送预授权确认信息至所述收单机构服务器，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在终端进行脱机消费。
可选的，所述发卡机构发送单元，还用于：
所述在预设扣款时间接收所述收单机构服务器发送的所述银行卡账户信息和脱机消费总金额，根据所述脱机消费总金额对所述银行卡账户进行扣款，所述脱机消费总金额由所述收单机构服务器根据终端发送的银行卡账户信息和脱机消费金额进行统计确定。
本发明实施例提供一种POS终端，包括：收发机、处理器、存储器、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
所述收发机，用于在所述处理器的控制下接收电子现金卡信息；
所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
所述处理器，用于读取所述存储器中的程序，执行下列方法：根据所述电子现金卡信息获取与所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额；若所述授权金额大于脱机消费金额，则在所述授权金额中扣除所述脱机消费金额；
所述总线接口，用于提供接口。
可选的，所述处理器，具体用于：
若所述存储器存储绑定关系数据库，则根据所述绑定关系数据库中的电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据所述绑定关系数据库中的银行卡账户和授权金额的绑定关系，确定对应的授权金额；或，
若所述存储器未存储所述绑定关系数据库，则通过所述收发机将所述电子现金卡信息发送至收单机构服务器，并通过所述收发机接收所述收单机构服务器发送的所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额。
可选的，所述处理器，还用于：
若所述存储器存储所述绑定关系数据库，则通过所述收发机将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器，并通过所述收发机接收所述收单机构服务器发送的更新后的所述银行卡账户对应的所述授权金额；
若所述存储器未存储所述绑定关系数据库，则通过所述收发机将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器。
可选的，所述处理器，还用于：
若所述存储器存储所述绑定关系数据库，则在预设签到时间获取所述电子现金卡与所述银行卡账户的绑定关系及所述银行卡账户对应的授权金额，并更新所述绑定关系数据库。
可选的，所述处理器，还用于：
若所述授权金额小于所述脱机消费金额，则通过所述收发机向所述收单机构服务器发送预授权请求信息，以使所述收单机构服务器向所述发卡机构服务器发送所述预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
若所述存储器存储所述绑定关系数据库，则根据通过所述收发机接收到的所述收单机构服务器发送的更新后的所述银行卡账户和授权金额的绑定关 系，确定更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额；或，
若所述存储器未存储所述绑定关系数据库，则在预设更新时间通过所述收发机将所述电子现金卡信息发送至所述收单机构服务器，并通过所述收发机接收所述收单机构服务器发送的与所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额。
本发明实施例提供一种收单机构服务器，包括：收发机、处理器、存储器、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
所述处理器，用于读取所述存储器中的程序，执行下列方法：根据电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据银行卡账户和授权金额的绑定关系，确定对应的授权金额；
所述收发机，用于在所述处理器的控制下接收POS终端发送的电子现金卡信息；并将所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额发送至所述POS终端，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在所述POS终端进行脱机消费；
所述总线接口，用于提供接口。
可选的，所述处理器，还用于：
根据通过所述收发机接收到的所述POS终端发送的银行卡账户信息和脱机消费金额，更新所述银行卡账户和授权金额的绑定关系。
可选的，所述处理器，还用于：
根据所述POS终端发送的发送预授权请求信息，通过所述收发机向发卡机构服务器发送预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
可选的，所述处理器，还用于：
根据所述POS终端在设定时长内发送的所述银行卡账户信息和脱机消费金额，统计脱机消费总金额，在预设扣款时间通过所述收发机将所述银行卡账户信息和所述脱机消费总金额发送至发卡机构服务器，以使所述发卡机构服务器根据所述脱机消费总金额对所述银行卡账户进行扣款。
可选的，所述处理器，还用于：
通过所述收发机接收银行卡账户授权请求信息，通过所述收发机将所述银行卡账户授权请求信息发送给发卡机构服务器，所述银行卡账户授权请求信息包括所述银行卡账户信息和电子现金卡信息；
在确认接收到所述发卡机构服务器发送的银行卡账户授权确认信息后，将所述银行卡账户绑定所述电子现金卡，在预设授权时间通过所述收发机向所述发卡机构服务器发送预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
本发明实施例提供一种发卡机构服务器，包括：收发机、处理器、存储器、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
所述收发机，用于在所述处理器的控制下接收收单机构服务器发送的银行卡账户授权请求信息，所述银行卡账户授权请求信息包括银行卡账户信息和电子现金卡信息；以及，在预设授权时间接收所述收单机构服务器发送的预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
所述处理器，用于读取所述存储器中的程序，执行下列方法：在确认所 述银行卡账户信息后通过所述收发机发送银行卡账户授权确认信息至所述收单机构服务器，以使所述收单机构服务器将所述银行卡账户绑定所述电子现金卡；以及，在确认所述授权金额信息后通过所述收发机发送预授权确认信息至所述收单机构服务器，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在POS终端进行脱机消费；
所述总线接口，用于提供接口。
可选的，所述处理器，还用于：
所述在预设扣款时间通过所述收发机接收所述收单机构服务器发送的所述银行卡账户信息和脱机消费总金额，根据所述脱机消费总金额对所述银行卡账户进行扣款，所述脱机消费总金额由所述收单机构服务器根据所述POS终端发送的银行卡账户信息和脱机消费金额进行统计确定。
本发明实施例提供的脱机消费的方法及装置，终端接收电子现金卡信息，根据电子现金卡信息获取与电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额；若授权金额大于脱机消费金额，则所述终端在授权金额中扣除脱机消费金额。本发明实施例提供的脱机消费的方法及装置，终端根据电子现金卡对应的授权金额直接进行脱机消费金额的扣除，用户不再需要对电子现金卡进行圈存，提高了系统效率和用户需求匹配度。
附图说明
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简要介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域的普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1为本发明实施例提供的一种脱机消费系统结构示意图；
图2为本发明实施例提供的一种脱机消费方法流程示意图；
图3为本发明实施例提供的另一种脱机消费方法流程示意图；
图4为本发明实施例提供的另一种脱机消费方法流程示意图；
图5为本发明实施例提供的一种脱机消费方法流程图；
图6为本发明实施例提供的一种脱机消费装置结构示意图；
图7为本发明实施例提供的另一种脱机消费装置结构示意图；
图8为本发明实施例提供的另一种脱机消费装置结构示意图；
图9为本发明实施例提供的一种POS终端结构示意图；
图10为本发明实施例提供的一种收单机构服务器结构示意图；
图11为本发明实施例提供的一种发卡机构服务器结构示意图。
具体实施方式
为了使本发明的目的、技术方案和优点更加清楚，下面将结合附图对本发明作进一步地详细描述，显然，所描述的实施例仅仅是本发明一部份实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其它实施例，都属于本发明保护的范围。
图1所示为本发明实施例提供的一种脱机消费系统结构示意图。本发明实施例提供的脱机消费的方法可基于如图1所示的脱机消费系统，包括：收单机构服务器101、发卡机构服务器102和多个终端103。具体地，终端103为消费服务终端，例如POS终端；收单机构服务器101为消费服务终端对应的服务器，例如POS终端服务器；发卡机构服务器102为银行卡账户对应的发卡银行的服务器。
在本发明实施例中，收单机构服务器101接收用户发起的电子现金卡绑定银行卡账户授权请求信息，将银行卡账户授权请求信息发送给发卡机构服务器102，发卡机构服务器102根据银行卡账户授权请求信息确认电子现金卡信息和银行卡账户信息，在确认后发送银行卡账户授权确认信息至收单机构服务器101。
收单机构服务器101将银行卡账户绑定电子现金卡，在第一预设时间将预授权请求信息发送给发卡机构服务器102，发卡机构服务器102根据预授权 请求信息确认银行卡账户信息和预设金额信息，在确认后发送预授权确认信息至收单机构服务器101。
在两次授权申请和确认授权流程之后，收单机构服务器101可以存储电子现金卡与银行卡账户的绑定关系以及银行卡账户和授权金额的绑定关系至绑定关系数据库，或者在第二预设时间将电子现金卡与银行卡账户的绑定关系以及银行卡账户和授权金额的绑定关系或者绑定关系数据库发送至收单机构服务器101下的所有终端103，即终端1 1031、终端2 1032和终端n 1033。
在脱机消费时，例如用户将电子现金卡插入终端1 1031，则终端1 1031接收电子现金卡信息，根据电子现金卡信息获取与电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额，若授权金额大于脱机消费金额，则终端在授权金额中直接扣除脱机消费金额。在脱机消费之后，终端1 1031将银行卡账户信息和脱机消费金额发送至收单机构服务器101，收单机构服务器101更新银行卡账户对应的授权金额，并将更新后的银行卡账户对应的授权金额发送至收单机构服务器101下的所有终端103，即终端1 1031、终端2 1032和终端n 1033，以使所有终端103根据更新后的授权金额进行脱机消费。
本发明实施例提供一种脱机消费方法，对应的执行主体为终端，具体可以为POS终端。如图2所示，为本发明实施例提供的一种脱机消费方法流程示意图，包括：
步骤201：终端接收电子现金卡信息，根据电子现金卡信息获取与电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额。
步骤202：若授权金额大于脱机消费金额，则终端在授权金额中扣除脱机消费金额。
在本发明实施例中，电子现金卡与银行卡账户的绑定关系以及银行卡账户和授权金额的绑定关系存储在绑定关系数据库中，绑定关系数据库可以直接存储在终端中，也可以存储在收单机构服务器中。
在步骤201之前，若终端存储了绑定关系数据库，则终端在预设签到时间，例如开机上线时间获取电子现金卡与银行卡账户的绑定关系及银行卡账 户对应的授权金额，并更新绑定关系数据库。
步骤201中，若终端存储了绑定关系数据库，则终端根据绑定关系数据库中的电子现金卡与银行卡账户的绑定关系，获取与电子现金卡绑定的银行卡账户，并根据绑定关系数据库中的银行卡账户和授权金额的绑定关系，确定对应的授权金额。
步骤201中，若终端未存储绑定关系数据库，则终端将电子现金卡信息发送至收单机构服务器，并接收收单机构服务器发送的电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额。
例如，用户消费金额为300元，在脱机消费时将电子现金卡1插入POS终端1，POS终端1根据电子现金卡1的信息，在本地的绑定关系数据库中查找电子现金卡与银行卡账户的绑定关系，获取该电子现金卡1绑定的银行卡账户1，并根据绑定关系数据库中的银行卡账户和授权金额的绑定关系，确定对应的授权金额，例如为500，则POS终端1在授权金额500元中扣除脱机消费金额300元。
在步骤202中，若授权金额小于脱机消费金额，则终端向收单机构服务器发送预授权请求信息，以使收单机构服务器向发卡机构服务器发送预授权请求信息，预授权请求信息包括银行卡账户信息和授权金额信息。
若终端存储了绑定关系数据库，则终端根据收单机构服务器发送的更新后的银行卡账户和授权金额的绑定关系，确定更新后的授权金额，在更新后的授权金额中扣除脱机消费金额。
若终端未存储绑定关系数据库，则终端在预设更新时间例如发送预授权请求信息之后的每秒钟，将电子现金卡信息发送至收单机构服务器，接收收单机构服务器发送的电子现金卡绑定的银行卡账户信息及银行卡账户对应的更新后的授权金额，在更新后的授权金额中扣除脱机消费金额。
例如，若用户的脱机消费金额为800，则POS终端1扣除授权金额例如为500元之后，则POS终端1向收单机构服务器发送预授权请求信息，以使收单机构服务器向发卡机构服务器发送预授权请求信息，预授权请求信息包 括银行卡账户信息1和授权金额信息，例如为500元。
若POS终端1存储了绑定关系数据库，则POS终端1根据收单机构服务器发送的更新后的银行卡账户1和授权金额的绑定关系，确定更新后的授权金额为500元，在更新后的授权金额中500元扣除剩余脱机消费金额300元。
若POS终端1未存储绑定关系数据库，则POS终端1在预设更新时间例如发送预授权请求信息之后的每秒钟，将电子现金卡信息1发送至收单机构服务器，接收收单机构服务器发送的电子现金卡1绑定的银行卡账户信息1及银行卡账户对应的更新后的授权金额500元，在更新后的授权金额500原中扣除剩余脱机消费金额300元。
在步骤202之后，若终端存储了绑定关系数据库，则终端将银行卡账户信息和脱机消费金额发送至收单机构服务器，并接收收单机构服务器发送的更新后的银行卡账户对应的授权金额。若终端未存储绑定关系数据库，则终端将银行卡账户信息和脱机消费金额发送至收单机构服务器。
例如，POS终端1将银行卡账户1和消费金额300元发送至收单机构服务器，收单机构服务器更新银行卡账户1对应的授权金额，得到更新后的银行卡账户1对应的授权金额为200元。若终端存储了绑定关系数据库，则将更新后的银行卡账户1对应的授权金额为200元发送给收单机构服务器下的所有POS终端。
本发明实施例提供的脱机消费的方法，终端接收电子现金卡信息，根据电子现金卡信息获取与电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额；若授权金额大于脱机消费金额，则终端在授权金额中扣除脱机消费金额。本发明实施例提供的脱机消费的方法，终端根据电子现金卡对应的授权金额直接进行脱机消费金额的扣除，用户不再需要对电子现金卡进行圈存，提高了系统效率和用户需求匹配度。
基于同样的发明构思，本发明实施例还提供另一种脱机消费方法，对应的执行主体为收单机构服务器，具体可以为POS终端服务器。如图3所示，为本发明实施例提供的另一种脱机消费方法流程示意图，包括：
步骤301：收单机构服务器接收终端发送的电子现金卡信息，根据电子现金卡与银行卡账户的绑定关系，获取与电子现金卡绑定的银行卡账户，并根据银行卡账户和授权金额的绑定关系，确定对应的授权金额。
步骤302：收单机构服务器将电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额发送至终端，以使电子现金卡根据电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额在终端进行脱机消费。
步骤301之前，收单机构服务器还需要与发卡机构服务器进行两次授权请求与授权确认的交互。
第一次授权交互过程：收单机构服务器接收用户发起的电子现金卡对应的银行卡账户授权请求信息，将银行卡账户授权请求信息发送给发卡机构服务器，银行卡账户授权请求信息包括银行卡账户信息和电子现金卡信息。收单机构服务器在确认接收到发卡机构服务器发送的银行卡账户授权确认信息后，将银行卡账户绑定电子现金卡。
第二次授权交互过程：发卡机构服务器在预设授权时间，例如每天的零点向发卡机构服务器发送预授权请求信息，预授权请求信息包括银行卡账户信息和授权金额信息。收单机构服务器在确认接收到发卡机构服务器发送的预授权确认信息后，更新银行卡账户和授权金额的绑定关系。
例如：收单机构服务器接收用户发起的电子现金卡1对应的银行卡账户1授权请求信息，将银行卡账户1授权请求信息发送给发卡机构服务器，银行卡账户1授权请求信息包括银行卡账户1信息和电子现金卡1信息。收单机构服务器在确认接收到发卡机构服务器发送的银行卡账户1授权确认信息后，将银行卡账户1绑定电子现金卡1。
发卡机构服务器在预设授权时间，例如每天的零点向发卡机构服务器发送预授权请求信息，预授权请求信息包括银行卡账户1信息和授权金额信息，例如为500元。收单机构服务器在确认接收到发卡机构服务器发送的预授权确认信息后，更新银行卡账户1和授权金额的绑定关系，即银行卡账户1的可授权金额为500元。
步骤302之后，收单机构服务器还可以根据终端发送的银行卡账户信息和脱机消费金额，更新银行卡账户和授权金额的绑定关系。
例如：收单机构服务器还根据POS终端1发送的银行卡账户1和消费金额300元更新银行卡账户1对应的授权金额，得到更新后的银行卡账户1对应的授权金额为200元，即更新绑定关系数据库。若终端存储了绑定关系数据库，则收单机构服务器将更新后的银行卡账户1对应的授权金额为200元发送给收单机构服务器下的所有POS终端。
步骤302之后，收单机构服务器还可以根据终端发送的发送预授权请求信息，向发卡机构服务器发送预授权请求信息，预授权请求信息包括银行卡账户信息和授权金额信息；收单机构服务器在确认接收到发卡机构服务器发送的预授权确认信息后，更新银行卡账户和授权金额的绑定关系。
例如：若用户的脱机消费金额为800，则POS终端1扣除授权金额500元之后，收单机构服务器接收到POS终端1发送的预授权请求信息，根据预授权请求信息中的银行卡账户1信息和授权金额信息例如为500元，向发卡机构服务器发送预授权请求信息，收单机构服务器在确认接收到发卡机构服务器发送的预授权确认信息后，更新银行卡账户1和授权金额的绑定关系，即银行卡账户1的可授权金额重新设置为500元。
在本发明实施例中，收单机构服务器根据终端在设定时长内例如24小时内发送的银行卡账户信息和脱机消费金额，统计脱机消费总金额，在预设扣款时间例如每天的24点将银行卡账户信息和脱机消费总金额发送至发卡机构服务器，以使发卡机构服务器根据脱机消费总金额对银行卡账户进行真实扣款。
例如，收单机构服务器根据所有POS终端在24小时内发送的银行卡账户信息1和脱机消费金额，统计脱机消费总金额例如为2000元，在每天的24点将银行卡账户信息1和脱机消费总金额2000元发送至发卡机构服务器，以使发卡机构服务器根据脱机消费总金额2000元对银行卡账户1进行真实扣款。
本发明实施例提供的脱机消费的方法，收单机构服务器接收终端发送的 电子现金卡信息，根据电子现金卡与银行卡账户的绑定关系，获取与电子现金卡绑定的银行卡账户，并根据银行卡账户和授权金额的绑定关系，确定对应的授权金额。将电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额发送至终端，以使电子现金卡根据电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额在终端进行脱机消费。本发明实施例提供的脱机消费的方法，终端可以根据电子现金卡对应的授权金额直接进行脱机消费金额的扣除，用户不再需要对电子现金卡进行圈存，提高了系统效率和用户需求匹配度。
基于同样的发明构思，本发明实施例还提供另一种脱机消费方法，对应的执行主体为发卡机构服务器，具体可以为银行卡账户对应的发卡银行的服务器。如图4所示，为本发明实施例提供的另一种脱机消费方法流程示意图，包括：
步骤401：发卡机构服务器接收收单机构服务器发送的银行卡账户授权请求信息，银行卡账户授权请求信息包括银行卡账户信息和电子现金卡信息。发卡机构服务器在确认银行卡账户信息后发送银行卡账户授权确认信息至收单机构服务器，以使收单机构服务器将银行卡账户绑定电子现金卡。
步骤402：发卡机构服务器在预设授权时间接收收单机构服务器发送的预授权请求信息，预授权请求信息包括银行卡账户信息和授权金额信息。发卡机构服务器在确认授权金额信息后发送预授权确认信息至收单机构服务器，以使电子现金卡根据电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额在终端进行脱机消费。
具体地，在脱机消费之前，发卡机构服务器需要与收单机构服务器进行两次授权交互过程。
第一次授权交互过程：发卡机构服务器接收收单机构服务器发送的银行卡账户授权请求信息，银行卡账户授权请求信息包括银行卡账户信息和电子现金卡信息。发卡机构服务器确认银行卡账户信息是否正确，若是则发送银行卡账户授权确认信息至收单机构服务器，以使收单机构服务器将银行卡账 户绑定电子现金卡；否则发送银行卡账户授权确认失败信息至收单机构服务器。
第二次授权交互过程：发卡机构服务器在预设授权时间例如每天的零点接收收单机构服务器发送的预授权请求信息，预授权请求信息包括银行卡账户信息和授权金额信息。发卡机构服务器确认银行卡账户的账户金额是否大于或等于授权金额，若是，则发送预授权确认信息至收单机构服务器，以使电子现金卡根据电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额在终端进行脱机消费；否则发送送预授权确认失败信息至收单机构服务器。
例如：发卡机构服务器接收收单机构服务器发送的电子现金卡1对应的银行卡账户1授权请求信息，银行卡账户1授权请求信息包括银行卡账户1信息和电子现金卡1信息。发卡机构服务对银行卡账户1信息进行确认，若银行卡账户1信息正确，则发卡机构服务器发送银行卡账户1授权确认信息至收单机构服务器，以使发卡机构服务器将银行卡账户1绑定电子现金卡1。发卡机构服务器在每天的零点接收收单机构服务器发送的预授权请求信息，预授权请求信息包括银行卡账户1信息和授权金额信息，例如为500元。发卡机构服务器确认银行卡账户1的账户金额是否大于或等于授权金额500元，若是，则发送预授权确认信息至收单机构服务器，以使电子现金卡1根据电子现金卡1绑定的银行卡账户1信息及银行卡账户1对应的授权金额500元在POS终端进行脱机消费。
在步骤402之后，发卡机构服务器还可以在预设扣款时间例如每天的24点接收收单机构服务器发送的银行卡账户信息和脱机消费总金额，根据脱机消费总金额对银行卡账户进行真实扣款，脱机消费总金额由收单机构服务器根据终端发送的银行卡账户信息和脱机消费金额进行统计确定。
例如，发卡机构服务器还可以在24点接收收单机构服务器发送的银行卡账户1信息和脱机消费总金额例如为2000元，根据脱机消费总金额2000元对银行卡账户1进行真实扣款，例如银行卡账户1账户金额为3000元，则扣 除当天脱机消费金额后，更新账户金额，即为1000元。
本发明实施例提供的脱机消费的方法，发卡机构服务器接收收单机构服务器发送的银行卡账户授权请求信息，在确认银行卡账户信息后发送银行卡账户授权确认信息至收单机构服务器，在预设授权时间接收收单机构服务器发送的预授权请求信息，在确认授权金额信息后发送预授权确认信息至收单机构服务器，以使电子现金卡根据电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额在终端进行脱机消费。本发明实施例提供的脱机消费的方法，终端可以根据电子现金卡对应的授权金额直接进行脱机消费金额的扣除，用户不再需要对电子现金卡进行圈存，提高了系统效率和用户需求匹配度。
下面通过具体的流程对本发明实施例的脱机消费方法进行具体说明。图5为本发明实施例提供的一种脱机消费方法流程图，包括：
步骤501：收单机构服务器接收用户发起的电子现金卡绑定银行卡账户授权请求信息，将银行卡账户授权请求信息发送给发卡机构服务器。
步骤502：发卡机构服务器根据银行卡账户授权请求信息确认电子现金卡信息和银行卡账户信息，在确认后发送银行卡账户授权确认信息至收单机构服务器。
步骤503：收单机构服务器将银行卡账户绑定电子现金卡，将预授权请求信息发送给发卡机构服务器，预授权请求信息包括银行卡账户信息和授权金额信息。
步骤504：发卡机构服务器根据预授权请求信息确认银行卡账户信息和预设金额信息，在确认后发送预授权确认信息至发单机构服务器。收单机构服务器存储电子现金卡与银行卡账户的绑定关系以及银行卡账户和授权金额的绑定关系至绑定关系数据库。
步骤505：在脱机消费时，终端接收电子现金卡信息，将电子现金卡信息发送至收单机构服务器。
步骤506：收单机构服务器根据电子现金卡信息，将与电子现金卡绑定的 银行卡账户信息及银行卡账户对应的授权金额发送至终端。
步骤507：若授权金额大于脱机消费金额，则终端在授权金额中直接扣除脱机消费金额。在脱机消费之后，终端将银行卡账户信息和脱机消费金额发送至收单机构服务器。
步骤508：收单机构服务器根据终端在设定时长内例如24小时内发送的银行卡账户信息和脱机消费金额，统计脱机消费总金额，在预设扣款时间例如每天的24点将银行卡账户信息和脱机消费总金额发送至发卡机构服务器，以使发卡机构服务器根据脱机消费总金额对银行卡账户进行真实扣款。
基于同样的发明构思，本发明实施例还提供一种脱机消费装置，对应的实体结构为终端，具体可以为POS终端。如图6所示，为本发明实施例提供的一种脱机消费装置结构示意图，包括：
终端接收单元601：用于接收电子现金卡信息，根据所述电子现金卡信息获取与所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额；
终端执行单元602：用于若所述授权金额大于脱机消费金额，则在所述授权金额中扣除所述脱机消费金额。
可选的，所述终端接收单元601，还用于：
若存储绑定关系数据库，则根据所述绑定关系数据库中的电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据所述绑定关系数据库中的银行卡账户和授权金额的绑定关系，确定对应的授权金额；或，
若未存储所述绑定关系数据库，则将所述电子现金卡信息发送至收单机构服务器，接收所述收单机构服务器发送的所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额。
可选的，所述终端执行单元602，还用于：
若存储所述绑定关系数据库，则将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器，接收所述收单机构服务器发送的更新后的所述 银行卡账户对应的所述授权金额；
若未存储所述绑定关系数据库，则将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器。
可选的，所述终端接收单元601，还用于：
若存储所述绑定关系数据库，则在预设签到时间获取电子现金卡与所述银行卡账户的绑定关系及所述银行卡账户对应的授权金额，并更新所述绑定关系数据库。
可选的，所述终端执行单元602，还用于：
若所述授权金额小于所述脱机消费金额，则向所述收单机构服务器发送预授权请求信息，以使所述收单机构服务器向所述发卡机构服务器发送所述预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
若存储所述绑定关系数据库，则根据所述收单机构服务器发送的更新后的所述银行卡账户和授权金额的绑定关系，确定更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额；或，
若未存储所述绑定关系数据库，则在预设更新时间将所述电子现金卡信息发送至收单机构服务器，接收所述收单机构服务器发送的所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额。
本发明实施例提供的脱机消费的方法，终端接收电子现金卡信息，根据电子现金卡信息获取与电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额；若授权金额大于脱机消费金额，则终端在授权金额中扣除脱机消费金额。本发明实施例提供的脱机消费的方法，终端根据电子现金卡对应的授权金额直接进行脱机消费金额的扣除，用户不再需要对电子现金卡进行圈存，提高了系统效率和用户需求匹配度。
基于同样的发明构思，本发明实施例还提供另一种脱机消费装置，对应的实体结构为收单机构服务器，具体可以为POS终端服务器。如图7所示， 为本发明实施例提供的另一种脱机消费装置结构示意图，包括：
收单机构接收单元701：用于接收终端发送的电子现金卡信息，根据电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据银行卡账户和授权金额的绑定关系，确定对应的授权金额；
收单机构发送单元702：用于将所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额发送至所述终端，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在所述终端进行脱机消费。
可选的，所述收单机构发送单元702，还用于：
根据终端发送的银行卡账户信息和脱机消费金额，更新所述银行卡账户和授权金额的绑定关系。
可选的，所述收单机构发送单元702，还用于：
根据终端发送的发送预授权请求信息，向发卡机构服务器发送所述预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
可选的，所述收单机构发送单元702，还用于：
根据终端在设定时长内发送的所述银行卡账户信息和脱机消费金额，统计脱机消费总金额，在预设扣款时间将所述银行卡账户信息和脱机消费总金额发送至发卡机构服务器，以使所述发卡机构服务器根据所述脱机消费总金额对所述银行卡账户进行扣款。
可选的，所述收单机构接收单元701，还用于：
接收银行卡账户授权请求信息，将所述银行卡账户授权请求信息发送给发卡机构服务器，所述银行卡账户授权请求信息包括所述银行卡账户信息和电子现金卡信息；
在确认接收到所述发卡机构服务器发送的银行卡账户授权确认信息后，将所述银行卡账户绑定所述电子现金卡，在预设授权时间向所述发卡机构服 务器发送预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
本发明实施例提供的脱机消费的方法，收单机构服务器接收终端发送的电子现金卡信息，根据电子现金卡与银行卡账户的绑定关系，获取与电子现金卡绑定的银行卡账户，并根据银行卡账户和授权金额的绑定关系，确定对应的授权金额。将电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额发送至终端，以使电子现金卡根据电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额在终端进行脱机消费。本发明实施例提供的脱机消费的方法，终端可以根据电子现金卡对应的授权金额直接进行脱机消费金额的扣除，用户不再需要对电子现金卡进行圈存，提高了系统效率和用户需求匹配度。
基于同样的发明构思，本发明实施例还提供另一种脱机消费装置，对应的实体结构发卡机构服务器，具体可以为银行卡账户对应的发卡银行的服务器。如图8所示，为本发明实施例提供的另一种脱机消费装置结构示意图，包括：
发卡机构接收单元801：用于接收收单机构服务器发送的银行卡账户授权请求信息，所述银行卡账户授权请求信息包括银行卡账户信息和电子现金卡信息；
发卡机构绑定单元802：用于在确认所述银行卡账户信息后发送银行卡账户授权确认信息至所述收单机构服务器，以使所述收单机构服务器将所述银行卡账户绑定所述电子现金卡；
发卡机构授权单元803：用于在预设授权时间接收所述收单机构服务器发送的预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
发卡机构发送单元804：用于在确认所述授权金额信息后发送预授权确认 信息至所述收单机构服务器，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在终端进行脱机消费。
可选的，所述发卡机构发送单元804，还用于：
所述在预设扣款时间接收所述收单机构服务器发送的所述银行卡账户信息和脱机消费总金额，根据所述脱机消费总金额对所述银行卡账户进行扣款，所述脱机消费总金额由所述收单机构服务器根据终端发送的银行卡账户信息和脱机消费金额进行统计确定。
本发明实施例提供的脱机消费的方法，发卡机构服务器接收收单机构服务器发送的银行卡账户授权请求信息，在确认银行卡账户信息后发送银行卡账户授权确认信息至收单机构服务器，在预设授权时间接收收单机构服务器发送的预授权请求信息，在确认授权金额信息后发送预授权确认信息至收单机构服务器，以使电子现金卡根据电子现金卡绑定的银行卡账户信息及银行卡账户对应的授权金额在终端进行脱机消费。本发明实施例提供的脱机消费的方法，终端可以根据电子现金卡对应的授权金额直接进行脱机消费金额的扣除，用户不再需要对电子现金卡进行圈存，提高了系统效率和用户需求匹配度。
基于同样的发明构思，本发明实施例还提供一种POS终端，如图9所示，包括：收发机901、处理器902、存储器903、总线接口904，其中处理器902、存储器903与收发机901之间通过总线接口904连接；
所述收发机901，用于在所述处理器902的控制下接收电子现金卡信息；
所述存储器903，用于存储一个或多个可执行程序，可以存储所述处理器902在执行操作时所使用的数据；
所述处理器902，用于读取所述存储器903中的程序，执行下列方法：根据所述电子现金卡信息获取与所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额；若所述授权金额大于脱机消费金额，则在所述授权金额中扣除所述脱机消费金额；
所述总线接口904，用于提供接口。
可选的，所述处理器902，具体用于：
若所述存储器903存储绑定关系数据库，则根据所述绑定关系数据库中的电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据所述绑定关系数据库中的银行卡账户和授权金额的绑定关系，确定对应的授权金额；或，
若所述存储器903未存储所述绑定关系数据库，则通过所述收发机901将所述电子现金卡信息发送至收单机构服务器，并通过所述收发机901接收所述收单机构服务器发送的所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额。
可选的，所述处理器902，还用于：
若所述存储器903存储所述绑定关系数据库，则通过所述收发机901将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器，并通过所述收发机901接收所述收单机构服务器发送的更新后的所述银行卡账户对应的所述授权金额；
若所述存储器903未存储所述绑定关系数据库，则通过所述收发机901将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器。
可选的，所述处理器902，还用于：
若所述存储器903存储所述绑定关系数据库，则在预设签到时间获取所述电子现金卡与所述银行卡账户的绑定关系及所述银行卡账户对应的授权金额，并更新所述绑定关系数据库。
可选的，所述处理器902，还用于：
若所述授权金额小于所述脱机消费金额，则通过所述收发机901向所述收单机构服务器发送预授权请求信息，以使所述收单机构服务器向所述发卡机构服务器发送所述预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
若所述存储器903存储所述绑定关系数据库，则根据通过所述收发机901接收到的所述收单机构服务器发送的更新后的所述银行卡账户和授权金额的 绑定关系，确定更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额；或，
若所述存储器903未存储所述绑定关系数据库，则在预设更新时间通过所述收发机901将所述电子现金卡信息发送至所述收单机构服务器，并通过所述收发机901接收所述收单机构服务器发送的与所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额。
基于同样的发明构思，本发明实施例还提供一种收单机构服务器，如图9所示，包括：收发机1001、处理器1002、存储器1003、总线接口1004，其中处理器1002、存储器1003与收发机1001之间通过总线接口1004连接；
所述存储器1003，用于存储一个或多个可执行程序，可以存储所述处理器1002在执行操作时所使用的数据；
所述处理器1002，用于读取所述存储器1003中的程序，执行下列方法：根据电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据银行卡账户和授权金额的绑定关系，确定对应的授权金额；
所述收发机1001，用于在所述处理器1002的控制下接收POS终端发送的电子现金卡信息；并将所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额发送至所述POS终端，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在所述POS终端进行脱机消费；
所述总线接口1004，用于提供接口。
可选的，所述处理器1002，还用于：
根据通过所述收发机1001接收到的所述POS终端发送的银行卡账户信息和脱机消费金额，更新所述银行卡账户和授权金额的绑定关系。
可选的，所述处理器1002，还用于：
根据所述POS终端发送的发送预授权请求信息，通过所述收发机1001向发卡机构服务器发送预授权请求信息，所述预授权请求信息包括所述银行 卡账户信息和授权金额信息；
在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
可选的，所述处理器1002，还用于：
根据所述POS终端在设定时长内发送的所述银行卡账户信息和脱机消费金额，统计脱机消费总金额，在预设扣款时间通过所述收发机1001将所述银行卡账户信息和所述脱机消费总金额发送至发卡机构服务器，以使所述发卡机构服务器根据所述脱机消费总金额对所述银行卡账户进行扣款。
可选的，所述处理器1002，还用于：
通过所述收发机1001接收银行卡账户授权请求信息，通过所述收发机1001将所述银行卡账户授权请求信息发送给发卡机构服务器，所述银行卡账户授权请求信息包括所述银行卡账户信息和电子现金卡信息；
在确认接收到所述发卡机构服务器发送的银行卡账户授权确认信息后，将所述银行卡账户绑定所述电子现金卡，在预设授权时间通过所述收发机1001向所述发卡机构服务器发送预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
基于同样的发明构思，本发明实施例还提供一种发卡机构服务器，如图11所示，包括：收发机1101、处理器1102、存储器1103、总线接口1104，其中处理器1102、存储器1103与收发机1101之间通过总线接口1104连接；
所述存储器1103，用于存储一个或多个可执行程序，可以存储所述处理器1102在执行操作时所使用的数据；
所述收发机1101，用于在所述处理器1102的控制下接收收单机构服务器发送的银行卡账户授权请求信息，所述银行卡账户授权请求信息包括银行卡账户信息和电子现金卡信息；以及，在预设授权时间接收所述收单机构服务器发送的预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和 授权金额信息；
所述处理器1102，用于读取所述存储器1103中的程序，执行下列方法：在确认所述银行卡账户信息后通过所述收发机发送银行卡账户授权确认信息至所述收单机构服务器，以使所述收单机构服务器将所述银行卡账户绑定所述电子现金卡；以及，在确认所述授权金额信息后通过所述收发机发送预授权确认信息至所述收单机构服务器，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在POS终端进行脱机消费；
所述总线接口1104，用于提供接口。
可选的，所述处理器1102，还用于：
所述在预设扣款时间通过所述收发机1101接收所述收单机构服务器发送的所述银行卡账户信息和脱机消费总金额，根据所述脱机消费总金额对所述银行卡账户进行扣款，所述脱机消费总金额由所述收单机构服务器根据所述POS终端发送的银行卡账户信息和脱机消费金额进行统计确定。
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的系统。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令系统的制造品，该指令系统实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上， 使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
尽管已描述了本发明的优选实施例，但本领域内的技术人员一旦得知了基本创造性概念，则可对这些实施例作出另外的变更和修改。所以，所附权利要求意欲解释为包括优选实施例以及落入本发明范围的所有变更和修改。
显然，本领域的技术人员可以对本发明进行各种改动和变型而不脱离本发明的精神和范围。这样，倘若本发明的这些修改和变型属于本发明权利要求及其等同技术的范围之内，则本发明也意图包含这些改动和变型在内。

Claims (36)

  1. 一种脱机消费的方法，其特征在于，包括：
    终端接收电子现金卡信息，根据所述电子现金卡信息获取与所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额；
    若所述授权金额大于脱机消费金额，则所述终端在所述授权金额中扣除所述脱机消费金额。
  2. 如权利要求1所述的方法，其特征在于，所述终端根据所述电子现金卡信息，获取所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额，包括：
    若所述终端存储绑定关系数据库，则所述终端根据所述绑定关系数据库中的电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据所述绑定关系数据库中的银行卡账户和授权金额的绑定关系，确定对应的授权金额；或，
    若所述终端未存储所述绑定关系数据库，则所述终端将所述电子现金卡信息发送至收单机构服务器，接收所述收单机构服务器发送的所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额。
  3. 如权利要求2所述的方法，其特征在于，所述终端在所述授权金额中扣除所述脱机消费金额之后，还包括：
    若所述终端存储所述绑定关系数据库，则所述终端将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器，接收所述收单机构服务器发送的更新后的所述银行卡账户对应的所述授权金额；
    若所述终端未存储所述绑定关系数据库，则所述终端将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器。
  4. 如权利要求2所述的方法，其特征在于，所述终端接收电子现金卡信息，根据所述电子现金卡信息获取所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额之前，还包括：
    若所述终端存储所述绑定关系数据库，则所述终端在预设签到时间获取所述电子现金卡与所述银行卡账户的绑定关系及所述银行卡账户对应的授权金额，并更新所述绑定关系数据库。
  5. 如权利要求1所述的方法，其特征在于，还包括：
    若所述授权金额小于所述脱机消费金额，则所述终端向所述收单机构服务器发送预授权请求信息，以使所述收单机构服务器向所述发卡机构服务器发送所述预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
    若所述终端存储所述绑定关系数据库，则所述终端根据所述收单机构服务器发送的更新后的所述银行卡账户和授权金额的绑定关系，确定更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额；或，
    若所述终端未存储所述绑定关系数据库，则所述终端在预设更新时间将所述电子现金卡信息发送至所述收单机构服务器，接收所述收单机构服务器发送的与所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额。
  6. 一种脱机消费的方法，其特征在于，包括：
    收单机构服务器接收终端发送的电子现金卡信息，根据电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据银行卡账户和授权金额的绑定关系，确定对应的授权金额；
    所述收单机构服务器将所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额发送至所述终端，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在所述终端进行脱机消费。
  7. 如权利要求6所述的方法，其特征在于，所述收单机构服务器将所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额发送至所述终端之后，还包括：
    所述收单机构服务器根据所述终端发送的银行卡账户信息和脱机消费金 额，更新所述银行卡账户和授权金额的绑定关系。
  8. 如权利要求6所述的方法，其特征在于，所述收单机构服务器将所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额发送至所述终端之后，还包括：
    所述收单机构服务器根据所述终端发送的发送预授权请求信息，向发卡机构服务器发送预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
    所述收单机构服务器在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
  9. 如权利要求6所述的方法，其特征在于，所述收单机构服务器将所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额发送至所述终端之后，还包括：
    所述收单机构服务器根据终端在设定时长内发送的所述银行卡账户信息和脱机消费金额，统计脱机消费总金额，在预设扣款时间将所述银行卡账户信息和所述脱机消费总金额发送至发卡机构服务器，以使所述发卡机构服务器根据所述脱机消费总金额对所述银行卡账户进行扣款。
  10. 如权利要求6所述的方法，其特征在于，所述收单机构服务器接收终端发送的电子现金卡信息之前，还包括：
    所述收单机构服务器接收银行卡账户授权请求信息，将所述银行卡账户授权请求信息发送给发卡机构服务器，所述银行卡账户授权请求信息包括所述银行卡账户信息和电子现金卡信息；
    所述收单机构服务器在确认接收到所述发卡机构服务器发送的银行卡账户授权确认信息后，将所述银行卡账户绑定所述电子现金卡，在预设授权时间向所述发卡机构服务器发送预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
    所述收单机构服务器在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
  11. 一种脱机消费的方法，其特征在于，包括：
    发卡机构服务器接收收单机构服务器发送的银行卡账户授权请求信息，所述银行卡账户授权请求信息包括银行卡账户信息和电子现金卡信息；
    所述发卡机构服务器在确认所述银行卡账户信息后发送银行卡账户授权确认信息至所述收单机构服务器，以使所述收单机构服务器将所述银行卡账户绑定所述电子现金卡；
    所述发卡机构服务器在预设授权时间接收所述收单机构服务器发送的预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
    所述发卡机构服务器在确认所述授权金额信息后发送预授权确认信息至所述收单机构服务器，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在终端进行脱机消费。
  12. 如权利要求11所述的方法，其特征在于，所述发卡机构服务器在确认所述授权金额信息后发送预授权确认信息至所述收单机构服务器之后，还包括：
    所述发卡机构服务器在预设扣款时间接收所述收单机构服务器发送的所述银行卡账户信息和脱机消费总金额，根据所述脱机消费总金额对所述银行卡账户进行扣款，所述脱机消费总金额由所述收单机构服务器根据所述终端发送的银行卡账户信息和脱机消费金额进行统计确定。
  13. 一种脱机消费的装置，其特征在于，包括：
    终端接收单元：用于接收电子现金卡信息，根据所述电子现金卡信息获取与所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额；
    终端执行单元：用于若所述授权金额大于脱机消费金额，则在所述授权金额中扣除所述脱机消费金额。
  14. 如权利要求13所述的装置，其特征在于，所述终端接收单元，还用于：
    若存储绑定关系数据库，则根据所述绑定关系数据库中的电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据所述绑定关系数据库中的银行卡账户和授权金额的绑定关系，确定对应的授权金额；或，
    若未存储所述绑定关系数据库，则将所述电子现金卡信息发送至收单机构服务器，接收所述收单机构服务器发送的所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额。
  15. 如权利要求13所述的装置，其特征在于，所述终端执行单元，还用于：
    若存储所述绑定关系数据库，则将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器，接收所述收单机构服务器发送的更新后的所述银行卡账户对应的所述授权金额；
    若未存储所述绑定关系数据库，则将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器。
  16. 如权利要求13所述的装置，其特征在于，所述终端接收单元，还用于：
    若存储所述绑定关系数据库，则在预设签到时间获取所述电子现金卡与所述银行卡账户的绑定关系及所述银行卡账户对应的授权金额，并更新所述绑定关系数据库。
  17. 如权利要求13所述的装置，其特征在于，所述终端执行单元，还用于：
    若所述授权金额小于所述脱机消费金额，则向所述收单机构服务器发送预授权请求信息，以使所述收单机构服务器向所述发卡机构服务器发送所述预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
    若存储所述绑定关系数据库，则根据所述收单机构服务器发送的更新后的所述银行卡账户和授权金额的绑定关系，确定更新后的授权金额，在所述 更新后的授权金额中扣除所述脱机消费金额；或，
    若未存储所述绑定关系数据库，则在预设更新时间将所述电子现金卡信息发送至所述收单机构服务器，接收所述收单机构服务器发送的与所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额。
  18. 一种脱机消费的装置，其特征在于，包括：
    收单机构接收单元：用于接收终端发送的电子现金卡信息，根据电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据银行卡账户和授权金额的绑定关系，确定对应的授权金额；
    收单机构发送单元：用于将所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额发送至所述终端，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在所述终端进行脱机消费。
  19. 如权利要求18所述的装置，其特征在于，所述收单机构发送单元，还用于：
    根据所述终端发送的银行卡账户信息和脱机消费金额，更新所述银行卡账户和授权金额的绑定关系。
  20. 如权利要求18所述的装置，其特征在于，所述收单机构发送单元，还用于：
    根据所述终端发送的发送预授权请求信息，向发卡机构服务器发送预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
    在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
  21. 如权利要求18所述的装置，其特征在于，所述收单机构发送单元，还用于：
    根据终端在设定时长内发送的所述银行卡账户信息和脱机消费金额，统计脱机消费总金额，在预设扣款时间将所述银行卡账户信息和所述脱机消费 总金额发送至发卡机构服务器，以使所述发卡机构服务器根据所述脱机消费总金额对所述银行卡账户进行扣款。
  22. 如权利要求18所述的装置，其特征在于，所述收单机构接收单元，还用于：
    接收银行卡账户授权请求信息，将所述银行卡账户授权请求信息发送给发卡机构服务器，所述银行卡账户授权请求信息包括所述银行卡账户信息和电子现金卡信息；
    在确认接收到所述发卡机构服务器发送的银行卡账户授权确认信息后，将所述银行卡账户绑定所述电子现金卡，在预设授权时间向所述发卡机构服务器发送预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
    在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
  23. 一种脱机消费的装置，其特征在于，包括：
    发卡机构接收单元：用于接收收单机构服务器发送的银行卡账户授权请求信息，所述银行卡账户授权请求信息包括银行卡账户信息和电子现金卡信息；
    发卡机构绑定单元：用于在确认所述银行卡账户信息后发送银行卡账户授权确认信息至所述收单机构服务器，以使所述收单机构服务器将所述银行卡账户绑定所述电子现金卡；
    发卡机构授权单元：用于在预设授权时间接收所述收单机构服务器发送的预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
    发卡机构发送单元：用于在确认所述授权金额信息后发送预授权确认信息至所述收单机构服务器，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在终端进行脱机消费。
  24. 如权利要求23所述的装置，其特征在于，所述发卡机构发送单元， 还用于：
    所述在预设扣款时间接收所述收单机构服务器发送的所述银行卡账户信息和脱机消费总金额，根据所述脱机消费总金额对所述银行卡账户进行扣款，所述脱机消费总金额由所述收单机构服务器根据所述终端发送的银行卡账户信息和脱机消费金额进行统计确定。
  25. 一种POS终端，其特征在于，包括：收发机、处理器、存储器、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
    所述收发机，用于在所述处理器的控制下接收电子现金卡信息；
    所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
    所述处理器，用于读取所述存储器中的程序，执行下列方法：根据所述电子现金卡信息获取与所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额；若所述授权金额大于脱机消费金额，则在所述授权金额中扣除所述脱机消费金额；
    所述总线接口，用于提供接口。
  26. 如权利要求25所述的POS终端，其特征在于，所述处理器，具体用于：
    若所述存储器存储绑定关系数据库，则根据所述绑定关系数据库中的电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据所述绑定关系数据库中的银行卡账户和授权金额的绑定关系，确定对应的授权金额；或，
    若所述存储器未存储所述绑定关系数据库，则通过所述收发机将所述电子现金卡信息发送至收单机构服务器，并通过所述收发机接收所述收单机构服务器发送的所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额。
  27. 如权利要求26所述的POS终端，其特征在于，所述处理器，还用于：
    若所述存储器存储所述绑定关系数据库，则通过所述收发机将所述银行 卡账户信息和脱机消费金额发送至所述收单机构服务器，并通过所述收发机接收所述收单机构服务器发送的更新后的所述银行卡账户对应的所述授权金额；
    若所述存储器未存储所述绑定关系数据库，则通过所述收发机将所述银行卡账户信息和脱机消费金额发送至所述收单机构服务器。
  28. 如权利要求26所述的POS终端，其特征在于，所述处理器，还用于：
    若所述存储器存储所述绑定关系数据库，则在预设签到时间获取所述电子现金卡与所述银行卡账户的绑定关系及所述银行卡账户对应的授权金额，并更新所述绑定关系数据库。
  29. 如权利要求25所述的POS终端，其特征在于，所述处理器，还用于：
    若所述授权金额小于所述脱机消费金额，则通过所述收发机向所述收单机构服务器发送预授权请求信息，以使所述收单机构服务器向所述发卡机构服务器发送所述预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
    若所述存储器存储所述绑定关系数据库，则根据通过所述收发机接收到的所述收单机构服务器发送的更新后的所述银行卡账户和授权金额的绑定关系，确定更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额；或，
    若所述存储器未存储所述绑定关系数据库，则在预设更新时间通过所述收发机将所述电子现金卡信息发送至所述收单机构服务器，并通过所述收发机接收所述收单机构服务器发送的与所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的更新后的授权金额，在所述更新后的授权金额中扣除所述脱机消费金额。
  30. 一种收单机构服务器，其特征在于，包括：收发机、处理器、存储器、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
    所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
    所述处理器，用于读取所述存储器中的程序，执行下列方法：根据电子现金卡与银行卡账户的绑定关系，获取与所述电子现金卡绑定的银行卡账户，并根据银行卡账户和授权金额的绑定关系，确定对应的授权金额；
    所述收发机，用于在所述处理器的控制下接收POS终端发送的电子现金卡信息；并将所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额发送至所述POS终端，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在所述POS终端进行脱机消费；
    所述总线接口，用于提供接口。
  31. 如权利要求30所述的收单机构服务器，其特征在于，所述处理器，还用于：
    根据通过所述收发机接收到的所述POS终端发送的银行卡账户信息和脱机消费金额，更新所述银行卡账户和授权金额的绑定关系。
  32. 如权利要求30所述的收单机构服务器，其特征在于，所述处理器，还用于：
    根据所述POS终端发送的发送预授权请求信息，通过所述收发机向发卡机构服务器发送预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
    在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
  33. 如权利要求30所述的收单机构服务器，其特征在于，所述处理器，还用于：
    根据所述POS终端在设定时长内发送的所述银行卡账户信息和脱机消费金额，统计脱机消费总金额，在预设扣款时间通过所述收发机将所述银行卡账户信息和所述脱机消费总金额发送至发卡机构服务器，以使所述发卡机构服务器根据所述脱机消费总金额对所述银行卡账户进行扣款。
  34. 如权利要求30所述的收单机构服务器，其特征在于，所述处理器， 还用于：
    通过所述收发机接收银行卡账户授权请求信息，通过所述收发机将所述银行卡账户授权请求信息发送给发卡机构服务器，所述银行卡账户授权请求信息包括所述银行卡账户信息和电子现金卡信息；
    在确认接收到所述发卡机构服务器发送的银行卡账户授权确认信息后，将所述银行卡账户绑定所述电子现金卡，在预设授权时间通过所述收发机向所述发卡机构服务器发送预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
    在确认接收到所述发卡机构服务器发送的预授权确认信息后，更新所述银行卡账户和授权金额的绑定关系。
  35. 一种发卡机构服务器，其特征在于，包括：收发机、处理器、存储器、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
    所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
    所述收发机，用于在所述处理器的控制下接收收单机构服务器发送的银行卡账户授权请求信息，所述银行卡账户授权请求信息包括银行卡账户信息和电子现金卡信息；以及，在预设授权时间接收所述收单机构服务器发送的预授权请求信息，所述预授权请求信息包括所述银行卡账户信息和授权金额信息；
    所述处理器，用于读取所述存储器中的程序，执行下列方法：在确认所述银行卡账户信息后通过所述收发机发送银行卡账户授权确认信息至所述收单机构服务器，以使所述收单机构服务器将所述银行卡账户绑定所述电子现金卡；以及，在确认所述授权金额信息后通过所述收发机发送预授权确认信息至所述收单机构服务器，以使所述电子现金卡根据所述电子现金卡绑定的银行卡账户信息及所述银行卡账户对应的授权金额在POS终端进行脱机消费；
    所述总线接口，用于提供接口。
  36. 如权利要求35所述的发卡机构服务器，其特征在于，所述处理器， 还用于：
    所述在预设扣款时间通过所述收发机接收所述收单机构服务器发送的所述银行卡账户信息和脱机消费总金额，根据所述脱机消费总金额对所述银行卡账户进行扣款，所述脱机消费总金额由所述收单机构服务器根据所述POS终端发送的银行卡账户信息和脱机消费金额进行统计确定。
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