WO2018233720A1 - 线下交易的实现方法和装置 - Google Patents

线下交易的实现方法和装置 Download PDF

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Publication number
WO2018233720A1
WO2018233720A1 PCT/CN2018/093026 CN2018093026W WO2018233720A1 WO 2018233720 A1 WO2018233720 A1 WO 2018233720A1 CN 2018093026 W CN2018093026 W CN 2018093026W WO 2018233720 A1 WO2018233720 A1 WO 2018233720A1
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WIPO (PCT)
Prior art keywords
user
merchant
account
management system
information
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PCT/CN2018/093026
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English (en)
French (fr)
Inventor
俞纹雯
李浩荣
王曦
Original Assignee
阿里巴巴集团控股有限公司
俞纹雯
李浩荣
王曦
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Application filed by 阿里巴巴集团控股有限公司, 俞纹雯, 李浩荣, 王曦 filed Critical 阿里巴巴集团控股有限公司
Publication of WO2018233720A1 publication Critical patent/WO2018233720A1/zh
Priority to US16/723,362 priority Critical patent/US11449848B2/en
Priority to US16/779,108 priority patent/US11042857B2/en

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    • 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
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
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    • G06K7/1404—Methods for optical code recognition
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
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    • G—PHYSICS
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/27—Individual registration on entry or exit involving the use of a pass with central registration
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/37—Individual registration on entry or exit not involving the use of a pass in combination with an identity check using biometric data, e.g. fingerprints, iris scans or voice recognition

Definitions

  • the present specification relates to the field of Internet technologies, and in particular, to a method and apparatus for implementing offline transactions.
  • offline commercial merchants are increasingly using Internet technology to solve problems in the production and operation process, such as: opening electronic payment functions, allowing users to pay through the network after consumption.
  • offline entity merchants still face problems such as high labor costs and low profits.
  • the present specification provides a method and apparatus for implementing offline transactions.
  • An implementation method of offline transactions including:
  • the payment server determines whether the credit information of the user account satisfies the condition
  • the payment server determines that the credit information of the user account satisfies the condition, the credit transaction service for the merchant account is opened for the user account, and the account information of the user is sent to the merchant transaction management system;
  • the merchant transaction management system After receiving the account information of the user, the merchant transaction management system guides the user to enter the biometric feature;
  • the merchant transaction management system After collecting the biometrics entered by the user, the merchant transaction management system saves the binding relationship between the biometrics and the account information to the registered user database of the merchant, and prompts the user to register successfully, and controls the merchant's store. The door is opened to allow the user to enter.
  • An implementation method of offline transactions, applied to a payment server comprising:
  • the credit transaction service for the merchant is opened for the user account, and the account information of the user is sent to the merchant transaction management system;
  • the user When the user registers with the merchant, the user receives the account information of the user sent by the payment server in response to the credit transaction service of the user registration merchant, and opens the credit transaction service for the merchant account for the user account;
  • the binding relationship between the biometrics and the account information is saved to the registered user database of the merchant, and the user is prompted to register successfully, and the gate of the merchant store is opened to Allow users to enter.
  • An implementation device for offline transactions comprising:
  • a memory for storing processor machine executable instructions
  • the processor executes:
  • the credit transaction service for the merchant is opened for the user account, and the account information of the user is sent to the merchant transaction management system;
  • the merchant in this embodiment can allow the user to enjoy the service and purchase the product after the user account opens the communication transaction service, and the user leaves the store after enjoying the service or purchasing the product, and the merchant does not need to deploy the human supervision user's payment behavior. Unattended stores can be deployed, saving a lot of labor costs.
  • FIG. 1 is a schematic flow chart of a method for implementing offline transactions according to an exemplary embodiment of the present specification.
  • FIG. 2 is a schematic flow chart of another implementation method of an offline transaction shown in an exemplary embodiment of the present specification.
  • FIG. 3 is a schematic flow chart of a method for implementing a transaction of a registered user in a offline unattended scenario according to an exemplary embodiment of the present specification.
  • FIG. 4 is a schematic structural diagram of an apparatus for implementing offline transactions according to an exemplary embodiment of the present specification.
  • first, second, third, etc. may be used in this specification to describe various information, such information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other.
  • first information may also be referred to as the second information without departing from the scope of the present description.
  • second information may also be referred to as the first information.
  • word "if” as used herein may be interpreted as "when” or "when” or "in response to determination.”
  • FIG. 1 is a schematic flow chart of a method for implementing offline transactions according to an exemplary embodiment of the present specification.
  • the method for implementing the offline transaction may be implemented by the merchant transaction management system and the payment server.
  • the merchant transaction management system may include: a biometric collection device, configured to collect biometrics of the user;
  • the merchant transaction management system may further include: a display screen, a machine vision device, and the like, which is not specifically limited in this embodiment.
  • the merchant transaction management system is usually deployed by a merchant, each merchant has a unique merchant identifier, the same merchant can deploy one or more stores, and can deploy corresponding merchant transaction management for each store. system.
  • Each merchant transaction management system corresponds to a different merchant transaction management system identifier.
  • the merchant transaction management system identifier may be independent of the merchant identifier, and the merchant transaction management system identifier may also be related to the merchant identifier, for example, the first plurality of merchant transaction management system identifiers represent the merchant identifier, etc., and the embodiment does not make a special limit.
  • the implementation method of the offline transaction may include the following steps:
  • Step 102 In response to the user registering the merchant's request for the credit transaction service, the payment server determines whether the credit information of the user account satisfies the condition.
  • Step 104 When determining that the credit information of the user account satisfies the condition, the payment server opens a credit transaction service for the merchant account for the user account, and sends the account information of the user to the merchant transaction management system. .
  • the user when the user conducts shopping, karaoke and other consumer behaviors in the merchant for the first time, the user must first register the credit transaction service, for example, the user can implement the registration through the merchant transaction management system.
  • a graphical code can be posted at the gate of the merchant's store, such as a QR code, a barcode, etc., and the user is prompted to use the payment client to scan the graphical code for registration.
  • a new user may be prompted to register in the touch display screen of the merchant transaction management system, and when the user clicks the registration button, the two-dimensional code may be displayed, and The user is prompted to use the payment client to scan the QR code for registration.
  • the two-dimensional code may carry information such as a merchant transaction management system identifier and a merchant identifier
  • the payment client may send a registration request of the credit transaction service to the payment server after scanning the two-dimensional code.
  • the registration request of the credit transaction service carries information such as a user account registered in the payment client, the merchant transaction management system identifier, and the merchant identification.
  • the merchant identifier can be parsed from the merchant transaction management system identifier, the merchant identifier may not be carried in the two-dimensional code, which is not specifically limited in this embodiment.
  • the credit transaction service may be a service that enjoys service/purchase goods and payment separation.
  • the service/purchase product may be left after leaving the service, and the subsequent payment server may perform the user account.
  • the deduction operation for the merchants, it is not necessary to deploy the human resources to supervise the consumption and payment behavior of the users, and the unattended stores can be deployed, such as: unmanned supermarkets, self-service KTV machines, and the like.
  • the payment server may determine whether the credit information of the user account satisfies the condition, and the condition may be personalized by the merchant, or may be uniformly specified by the payment server, for example, the condition
  • the credit score of the user account may be greater than or equal to the scoring threshold.
  • the credit information of the user account in this embodiment can be understood as: the credit information of the user to which the account belongs.
  • the payment server determines that the credit information of the user account satisfies the condition
  • the credit transaction service for the merchant account may be opened for the user account, and the account information of the user is returned to the merchant transaction management system according to the merchant transaction management system identifier.
  • the payment server may first guide the user to authorize through the payment client, and after determining the user authorization, may prompt the user to confirm the relevant agreement, after the user confirms
  • the step of determining whether the credit information of the user account satisfies the condition may be performed.
  • the payment server may return a registration failure message to the payment client to prompt the user.
  • the payment client can also output a method for improving credit information for the user to understand.
  • Step 106 After receiving the account information of the user, the merchant transaction management system guides the user to enter the biometric feature.
  • the merchant transaction management system can determine the opened communication transaction service of the user account, thereby guiding the user to enter the biometric feature.
  • the merchant transaction management system can output guidance information in the display to guide the user to enter biometrics.
  • the payment server may also return a success message to the payment client after opening the credit transaction service for the user account for the user account, and instruct the payment client to guide the user to continue in the merchant transaction management system.
  • the payment client output prompt message "Please continue to complete registration in the merchant screen".
  • the biometric feature may be a fingerprint, a palm print, a face, an iris, a sclera, etc., which is not particularly limited in this embodiment.
  • the merchant transaction management system can collect the main lines, wrinkles, triangle points, and detail points of the palm print.
  • the merchant trading system can collect facial features.
  • Step 108 After collecting the biometrics entered by the user, the merchant transaction management system saves the binding relationship between the biometrics and the account information to the registered user database of the merchant, and prompts the user to successfully register and control.
  • the door of the merchant store is opened to allow the user to enter. Among them, the door of the merchant store usually refers to the door of the consumer to enter the unattended store.
  • the merchant transaction management system may save the binding relationship between the biometrics and the account information returned by the payment server to the registered user database of the merchant, and prompt the user to register. success.
  • the merchant has a number of stores, and the biometrics and account bindings of the users registered at each store are uniformly stored in a registered user library.
  • the merchant has a plurality of stores, each of which corresponds to a registered user library, and the registered user library stores the binding relationship between the biometric information of the user registered in the store and the account information of the user.
  • the merchant's transaction management system can access the corresponding registered user libraries of each store.
  • the registered user library has an identifier corresponding to the merchant store; the merchant transaction management system searches for the account information of the biometric binding in the registered user database corresponding to the user input biometric store; if the biometric binding is not found
  • the account information is used to search for the account information of the biometric binding in the registered user database corresponding to other stores of the merchant. In the case of a large number of registered users of the merchant, the search speed can be speeded up.
  • the tag of the registered user library can also be performed in units of cities. For example, some stores in Hangzhou correspond to one registered user library, and several stores in Beijing correspond to another registered user library.
  • the merchant transaction management system can control the opening of the door of the merchant store to allow the user to enter.
  • the unmanned supermarket as an example, you can control the opening of the gate of the unmanned supermarket to allow users to enter the supermarket to purchase goods.
  • the self-service KTV as an example, it is possible to control the opening of the door of the self-service KTV machine to allow the user to enter the post K song.
  • the implementation method of the offline transaction may further include:
  • Step 110 After determining that the user leaves the store, the merchant transaction management system sends billing information to the payment server, where the account information carries the account information.
  • the merchant transaction management system may determine that the user leaves the store when the door of the merchant store is detected to be opened by the internal trigger, and calculate the amount of the bill consumed by the user, and the account amount, the account information of the user, and the like.
  • the billing information is sent to the payment server for payment.
  • the merchant transaction management system can determine which goods the user has purchased through machine vision, RFID (Radio Frequency Identification) and other technologies, and calculate the total price of the purchased goods.
  • RFID Radio Frequency Identification
  • the merchant transaction management system can determine the duration of the user's K song according to the time difference between the two opening gates, and then calculate the amount of money the user needs to spend.
  • Step 112 The payment server performs a bill payment operation according to the user account corresponding to the account information.
  • the payment server may search for the user account corresponding to the account information carried in the billing information, and then perform a bill payment operation based on the user account, for example, in the The account amount is deducted from the user account to be paid to the merchant to which the merchant transaction management system belongs.
  • the merchant in this embodiment can allow the user to leave the store after the user accounts open the communication transaction service, and does not need to deploy the human supervision user's consumption and payment behavior, and can deploy an unattended shop, saving a large amount. Labor costs.
  • FIG. 3 is a schematic flow chart of a method for implementing a transaction of a registered user in a offline unattended scenario according to an exemplary embodiment of the present specification.
  • the transaction implementation method may include the following steps:
  • step 302 the user enters a biometric in the merchant transaction management system.
  • the display of the merchant transaction management system can output a prompt, for example, a new user please register, and an old user should input a palm print.
  • the registered user can enter the palm print used in the registration in the palm print collection device of the merchant transaction management system.
  • Step 304 The merchant transaction management system searches the registered user database for the account information of the biometric binding.
  • the account information of the palm print binding may be searched in the registered user database.
  • the merchant transaction management system may first search for the facial feature information matching the collected facial features in the registered user database, and then determine the matched facial feature information.
  • the algorithm for the face matching may be: a feature face algorithm (Eigenface), a local binary pattern (LBP), etc., which is not limited in this embodiment.
  • Face recognition can be performed in a variety of ways, such as active face detection and passive face detection.
  • the active face detection technology requires the user to perform specific living movements such as blinking, turning, opening, etc. according to the instructions during face recognition, so that the living body detecting module can accurately complete the living body according to the operator. Determine if the operator is a living person.
  • the passive face detection technology does not require the user to complete the living movement, and the user experience is better, but the technical difficulty is high, mainly relying on the input single frame image information or other device sensor information for living body detection. For example, using live and non-living face-collecting images for supervised training on a single deep learning model, and then using the trained model to perform face-to-face prediction of the input single-frame image. In addition, two deep learning models can be used for face detection.
  • the account information of the palmprint binding can be found in the registered user library. If found, step 306 can be performed. If not found, the user can be prompted to re-enter the palm print. If the user account corresponding to the palm print input by the user is not found for the preset number of times, it may be determined that the user has not registered, and the user may be prompted to register.
  • the merchant transaction management system may first search for the palmprint-bound account information in the registered user database corresponding to the store that collects the palm print, if not found. When you arrive, you can search in the registered user library corresponding to other stores. If all the registered user databases deployed in the merchant do not find the account information of the above palmprint binding, the user may be prompted to re-enter the palm print or prompt the user to register.
  • Step 306 When the merchant transaction management system finds the account information of the biometric binding, the gate of the merchant store is controlled to be opened to allow the user to enter.
  • step 308 the user enters the merchant store for consumption.
  • Step 310 After determining that the user leaves the store, the merchant transaction management system sends the billing information to the payment server, where the bill information carries the account information of the biometric binding.
  • Step 312 The payment server performs a bill payment operation based on the user account corresponding to the account information.
  • the registered user in this embodiment can implement offline transactions through biometrics without using a terminal device, which is convenient and quick.
  • the merchant transaction management system may prohibit the collection of the user biometric to prevent other users from entering.
  • the merchant transaction management system can control the biometric collection device to stop collecting the user biometric.
  • the merchant transaction management system may not perform operations such as saving, querying, etc. of the binding relationship, thereby ensuring that other users cannot enter.
  • the merchant transaction management system may also prevent other users from entering in other ways, which is not particularly limited in this embodiment.
  • the payment server may first determine whether the billing information conforms to a preset security policy, and if yes, may perform bill payment. If the content is not met, the bill payment operation may be suspended, and the billing information may be sent to the user account corresponding to the account information for confirmation by the user. If the user confirms the bill, the payment operation may be performed, if the user If there is any objection to the bill, the merchant can be requested to confirm the bill to ensure the safety of the user's property.
  • the service activation identifier may be returned to the merchant transaction management system, for example, returning the service activation identifier and the account information to the account transaction system.
  • the service activation identifier corresponds to the user account and the merchant, and may be generated when the communication transaction service is opened.
  • the merchant transaction management system may save the correspondence between the service activation identifier and the account information, for example, saving the correspondence to the registered user database of the merchant.
  • the merchant transaction management system requests the payment, it can also add information such as the service opening identification and the merchant identification corresponding to the saved account information in the billing information.
  • the security policy includes: the account information carried in the billing information matches the user account corresponding to the service opening identifier, and the merchant identifier carried in the billing information matches the merchant corresponding to the service opening identifier.
  • the payment server opens a credit transaction service for the merchant 1 for the user 1, and the activation service identifier is HJK, and the activation service identifier corresponds to the user account 1 of the user 1 and the merchant 1.
  • the merchant transaction management system sends the billing information to the payment server, and the billing information carries: the bill amount, the opening service identifier HJK stored in the registered user library, the account information stored in the registered user library, and the merchant. Mark 1.
  • the payment server may first find the service identifier HJK corresponding to the user account 1, the merchant 1, and then determine that the account information 1 matches the user account 1, the merchant identifier 1 matches the merchant 1, and the bill can be determined.
  • the information conforms to the security policy and then performs the payment operation. If any one of the mismatches exists, it can be determined that the billing information does not comply with the security policy.
  • the billing information sent by the merchant transaction management system may further carry the merchant transaction management system identifier
  • the security policy may further include: the merchant transaction management system corresponding to the merchant transaction management system identifier carried in the billing information belongs to the service opening identifier. Corresponding merchants.
  • the billing information sent by the merchant transaction management system further carries the merchant transaction management system identifier B1
  • the payment server can determine whether the merchant transaction management system B1 belongs to the merchant 1, and if so, can determine that the billing information is consistent.
  • Security policy which in turn performs payment operations. If it does not belong, it can be determined that the billing information does not comply with the security policy.
  • the merchant transaction management system may not add the merchant identifier to the billing information, which is not repeatedly described in this embodiment.
  • the security policy further includes the billing time being within the validity period of the credit transaction service.
  • the user when the user opens the communication transaction service, the user can specify the effective duration of the credit transaction service, for example, 3 months, 6 months, and the like.
  • the payment server After receiving the billing information sent by the merchant transaction management system, the payment server can determine whether the billing time is within the validity period of the credit transaction service, and if so, it can be determined that the billing information conforms to the security policy, and if not, the billing information can be determined. Does not comply with security policy.
  • the security detection may be performed in combination with the foregoing security policy, or one or any of the foregoing security policies may be used for security detection.
  • other security may be used for security detection. This embodiment does not specifically limit this. .
  • the payment server may forwardly update the credit information of the user account, for example, record the credit event of the user, when the bill payment is successful, and increase the credit score of the user account, for example.
  • the credit information may be updated after the bill payment is successful, and the credit information may be updated when the credit information is updated. This embodiment does not specifically limit this.
  • the payment server may re-execute the payment operation after determining that the payment of the bill fails. If the bill payment still fails after retrying the number of times, the billing information may be sent to the payment client to prompt the user to re-pay.
  • the payment server may try to automatically pay again, for example, try to deduct again after 24 hours.
  • the payment server may also try the automatic payment several times. If the payment fails, the payment failure message may be sent to the user. This embodiment does not specifically limit this.
  • the payment server may negatively update the user's credit score, or may Users join the credit negative list, for example: add users to the credit blacklist.
  • the payment deadline may be set by the merchant, for example, 10 days, 15 days, and the like.
  • the payment server may also provide the negative credit list to the merchants, enterprises, and the like in need to assist the relevant merchants and enterprises to reduce risks.
  • the payment server may check whether the credit information of the user account of the opened communication transaction service still satisfies the condition in a periodic or event-triggered manner. If the condition is not met, the payment service may be closed. A credit transaction service for the user account and a notification of the closure to the merchant transaction management system and the user. In response to the close notification, the merchant transaction management system may delete the binding relationship between the account information of the user in the registered user library and the biometric, or mark the binding relationship between the account information and the biometric Invalid.
  • the above checking period may be specified by a merchant or a payment server, for example, 1 month, 2 months, and the like.
  • the above event triggering may include: updating credit information of the user account, and the like.
  • the condition set by the merchant 1 is that the credit score of the user account is greater than 600 points, and when the user 1 opens the communication transaction service, the credit score of the user account is 601 points, which satisfies the condition, and the payment server is opened for the user. Merchant 1's credit transaction service.
  • the subsequent payment server check finds that the credit score of the user 1 user account is 580 points, and the credit transaction service for the merchant 1 can be closed and notified to the merchant transaction management system.
  • the merchant transaction management system may mark the binding relationship between the biometrics of the user 1 and the account information in the registered user database as invalid, and the subsequent user 1 uses the biometric feature to enter the unmanned supermarket deployed by the merchant 1
  • the merchant transaction management system can output prompt information such as low credit score and inability to enter.
  • the credit transaction service may be closed when the credit information of the user account is found to be no longer met, and the user who ensures that the credit information satisfies the security policy can enjoy the service/purchase of the product first. To ensure the safety of the merchant's goods and to protect the legitimate interests of the merchants.
  • the present specification further provides an implementation device for offline transactions.
  • the implementation device of the offline transaction includes: a processor and a storage machine executable The memory of the instruction.
  • the processor and the memory are usually connected to each other by an internal bus.
  • the device may also include a network interface to enable communication with other devices or components.
  • the processor executes:
  • the credit transaction service for the merchant is opened for the user account, and the account information of the user is sent to the merchant transaction management system;
  • the processor further executes:
  • the payment client that initiates the credit transaction service activation request After the credit transaction service for the merchant account is opened for the user account, the payment client that initiates the credit transaction service activation request returns a message of successful opening, and instructs the payment client to guide the user to continue registration in the merchant transaction management system. .
  • the processor further executes:
  • the processor further executes:
  • the service activation identifier When the credit transaction service for the merchant account is opened for the user account, the service activation identifier is returned to the merchant transaction management system, and the service activation identifier corresponds to the user account and the merchant for the merchant transaction management system Saving a correspondence between the service activation identifier and the account information;
  • the billing information further carries a merchant identifier and a service opening identifier corresponding to the account information;
  • the security policy includes: the account information carried in the billing information matches the user account corresponding to the service provisioning identifier, and the merchant identifier carried in the billing information matches the merchant corresponding to the service provisioning identifier.
  • the billing information further carries a merchant transaction management system identifier
  • the security policy further includes: the merchant transaction management system corresponding to the merchant transaction management system identifier carried in the billing information belongs to the merchant corresponding to the service activation identifier.
  • the security policy further includes: the billing time is within a validity period of the credit transaction service.
  • the processor further executes:
  • the processor further executes:
  • the billing information is sent to the payment client to prompt the user to re-pay;
  • the payment server adds the user to the credit negative list.
  • the processor further executes:
  • the credit transaction service of the user account is closed, and the shutdown notification is sent to the merchant transaction management system, so that the merchant transaction management system deletes the account information and the biometric feature of the user in the registered user database.
  • the binding relationship between the two, or the binding relationship between the account information and the biometric is marked as invalid.
  • the present specification further provides a computer readable storage medium having stored thereon a computer program, the program being executed by the processor to implement the following steps:
  • the credit transaction service for the merchant is opened for the user account, and the account information of the user is sent to the merchant transaction management system for the merchant transaction management.
  • the system saves the binding relationship between the biometric and the account information to the merchant transaction management system in the registered user database of the merchant;
  • it also includes:
  • the payment client that initiates the credit transaction service activation request After the credit transaction service for the merchant account is opened for the user account, the payment client that initiates the credit transaction service activation request returns a message of successful opening, and instructs the payment client to guide the user to continue registration in the merchant transaction management system. .
  • it also includes:
  • it also includes:
  • the service activation identifier When the credit transaction service for the merchant account is opened for the user account, the service activation identifier is returned to the merchant transaction management system, and the service activation identifier corresponds to the user account and the merchant for the merchant transaction management system Saving a correspondence between the service activation identifier and the account information;
  • the billing information further carries a merchant identifier and a service opening identifier corresponding to the account information;
  • the security policy includes: the account information carried in the billing information matches the user account corresponding to the service provisioning identifier, and the merchant identifier carried in the billing information matches the merchant corresponding to the service provisioning identifier.
  • the billing information further carries a merchant transaction management system identifier
  • the security policy further includes: the merchant transaction management system corresponding to the merchant transaction management system identifier carried in the billing information belongs to the merchant corresponding to the service activation identifier.
  • the security policy further includes: the billing time is within a validity period of the credit transaction service.
  • it also includes:
  • it also includes:
  • the billing information is sent to the payment client to prompt the user to re-pay;
  • the payment server adds the user to the credit negative list.
  • it also includes:
  • the credit transaction service of the user account is closed, and the shutdown notification is sent to the merchant transaction management system, so that the merchant transaction management system deletes the account information and the biometric feature of the user in the registered user database.
  • the binding relationship between the two, or the binding relationship between the account information and the biometric is marked as invalid.
  • the device embodiment since it basically corresponds to the method embodiment, reference may be made to the partial description of the method embodiment.
  • the device embodiments described above are merely illustrative, wherein the units described as separate components may or may not be physically separate, and the components displayed as units may or may not be physical units, ie may be located A place, or it can be distributed to multiple network units. Some or all of the modules may be selected according to actual needs to achieve the objectives of the present specification. Those of ordinary skill in the art can understand and implement without any creative effort.
  • the system, device, module or unit illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product having a certain function.
  • a typical implementation device is a computer, and the specific form of the computer may be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email transceiver, and a game control.

Abstract

说明书披露一种线下交易的实现方法和装置，包括：响应于用户注册商户的信用交易服务的请求，支付服务端判断用户账号的信用信息是否满足条件，并在确定用户账号的信用信息满足条件时，为用户账号开通面向商户的信用交易服务，将用户的账号信息发送给商户交易管理系统；商户交易管理系统在接收到该账号信息后，引导用户录入生物特征，并在采集到用户录入的生物特征后，将生物特征和账号信息之间的绑定关系保存至该商户的注册用户库中，并提示用户注册成功，控制商户门店的大门开启，以允许用户进入；商户交易管理系统在确定用户离店后，发送账单信息给支付服务端，账单信息中携带账号信息；支付服务端根据账号信息对应的用户账号执行账单支付操作。

Description

线下交易的实现方法和装置 技术领域
本说明书涉及互联网技术领域，尤其涉及一种线下交易的实现方法和装置。
背景技术
随着互联网技术的快速发展，线下实体商户越来越多的运用互联网技术来解决生产、经营过程中的问题，比如：开通电子支付功能，允许用户消费后通过网络进行支付等。然而，线下实体商户依然面临着人力成本高、利润低下等问题。
发明内容
有鉴于此，本说明书提供一种线下交易的实现方法和装置。
具体地，本说明书是通过如下技术方案实现的：
一种线下交易的实现方法，包括：
响应于用户注册商户的信用交易服务的请求，支付服务端判断用户账号的信用信息是否满足条件；
支付服务端在确定所述用户账号的信用信息满足所述条件时，为所述用户账号开通面向所述商户的信用交易服务，并将所述用户的账号信息发送给商户交易管理系统；
商户交易管理系统在接收到所述用户的账号信息后，引导用户录入生物特征；
商户交易管理系统在采集到用户录入的生物特征后，将所述生物特征和所述账号信息之间的绑定关系保存至该商户的注册用户库中，并提示用户注册成功，控制商户门店的大门开启，以允许用户进入。
一种线下交易的实现方法，应用于支付服务端，包括：
响应于用户注册商户的信用交易服务的请求，判断用户账号的信用信息 是否满足条件；
在确定所述用户账号的信用信息满足所述条件时，为所述用户账号开通面向所述商户的信用交易服务，并将所述用户的账号信息发送给商户交易管理系统；
接收商户交易管理系统发送的账单信息，所述账单信息中携带所述账号信息；
根据所述账号信息对应的用户账号执行账单支付操作。
一种线下交易的实现方法，应用于商户交易管理系统，该方法包括：
用户在商户注册时，接收支付服务端响应于用户注册商户的信用交易服务的请求，为用户账号开通面向商户的信用交易服务后发送的所述用户的账号信息；
在接收到所述用户的账号信息后，引导用户录入生物特征；
在采集到用户录入的生物特征后，将所述生物特征和所述账号信息之间的绑定关系保存至该商户的注册用户库中，并提示用户注册成功，控制商户门店的大门开启，以允许用户进入。
一种线下交易的实现装置，包括：
处理器；
用于存储处理器机器可执行指令的存储器；
其中，通过读取并执行所述存储器存储的与线下交易的实现控制逻辑对应的机器可执行指令，所述处理器执行：
响应于用户注册商户的信用交易服务的请求，判断用户账号的信用信息是否满足条件；
在确定所述用户账号的信用信息满足所述条件时，为所述用户账号开通面向所述商户的信用交易服务，并将所述用户的账号信息发送给商户交易管理系统；
接收商户交易管理系统发送的账单信息，所述账单信息中携带所述账号信息；
根据所述账号信息对应的用户账号执行账单支付操作。
由以上描述可以看出，本实施例商户可在用户账号开通信用交易服务后，允许用户享受服务和购买商品，用户在享受服务或者购买商品后离店，商户无需部署人力监督用户的付款行为，可以部署无人值守的店铺，节省了大量的人力成本。
附图说明
图1是本说明书一示例性实施例示出的一种线下交易的实现方法的流程示意图。
图2是本说明书一示例性实施例示出的另一种线下交易的实现方法的流程示意图。
图3是本说明书一示例性实施例示出的一种线下无人值守场景中注册用户的交易实现方法的流程示意图。
图4是本说明书一示例性实施例示出的一种线下交易的实现装置的结构示意图。
具体实施方式
这里将详细地对示例性实施例进行说明，其示例表示在附图中。下面的描述涉及附图时，除非另有表示，不同附图中的相同数字表示相同或相似的要素。以下示例性实施例中所描述的实施方式并不代表与本说明书相一致的所有实施方式。相反，它们仅是与如所附权利要求书中所详述的、本说明书的一些方面相一致的装置和方法的例子。
在本说明书使用的术语是仅仅出于描述特定实施例的目的，而非旨在限制本说明书。在本说明书和所附权利要求书中所使用的单数形式的“一种”、“所述”和“该”也旨在包括多数形式，除非上下文清楚地表示其他含义。还应当理解，本文中使用的术语“和/或”是指并包含一个或多个相关联的列出项目的任何或所有可能组合。
应当理解，尽管在本说明书可能采用术语第一、第二、第三等来描述各种信息，但这些信息不应限于这些术语。这些术语仅用来将同一类型的信息彼此区分开。例如，在不脱离本说明书范围的情况下，第一信息也可以被称为第二信息，类似地，第二信息也可以被称为第一信息。取决于语境，如在此所使用的词语“如果”可以被解释成为“在……时”或“当……时”或“响应于确定”。
图1是本说明书一示例性实施例示出的一种线下交易的实现方法的流程示意图。
在本实施例中，所述线下交易的实现方法可由商户交易管理系统和支付服务端配合实现，其中，所述商户交易管理系统可以包括：生物特征采集装置，用于采集用户的生物特征；可选的，所述商户交易管理系统还可以包括：显示屏、机器视觉装置等，本实施例对此不作特殊限制。
在本实施例中，所述商户交易管理系统通常由商户部署，每个商户对应有唯一的商户标识，同一个商户可以部署一个或者多个门店，并可以为每个门店部署对应的商户交易管理系统。每个商户交易管理系统对应不同的商户交易管理系统标识。所述商户交易管理系统标识可以与商户标识无关，所述商户交易管理系统标识也可以与商户标识有关，比如：商户交易管理系统标识的前若干位代表商户标识等，本实施例对此不作特殊限制。
请参考图1，所述线下交易的实现方法可包括以下步骤：
步骤102，响应于用户注册商户的信用交易服务的请求，支付服务端判断用户账号的信用信息是否满足条件。
步骤104，支付服务端在确定所述用户账号的信用信息满足所述条件时，为所述用户账号开通面向所述商户的信用交易服务，并将所述用户的账号信息发送给商户交易管理系统。
在本实施例中，用户首次在商户中进行购物、K歌等消费行为时，要先进行信用交易服务的注册，比如：用户可以通过商户交易管理系统实现该注册。
在一个例子中，可以在商户门店的大门口张贴图形编码，比如：二维码、条形码等，并提示用户使用支付客户端扫描该图形编码进行注册。
在另一个例子中，结合图2的示例，以二维码为例，可以在商户交易管理系统的触摸显示屏中提示新用户进行注册，当用户点击注册按钮时，可以展示二维码，并提示用户使用支付客户端扫描该二维码进行注册。
在本实施例中，上述二维码中可携带商户交易管理系统标识、商户标识等信息，支付客户端在扫描该二维码之后，可发送信用交易服务的注册请求到支付服务端，所述信用交易服务的注册请求携带有在支付客户端中登录的用户账号、所述商户交易管理系统标识、商户标识等信息。当然，若从所述商户交易管理系统标识中可以解析得到商户标识，那么所述二维码中也可以不携带商户标识，本实施例对此不作特殊限制。
在本实施例中，所述信用交易服务可以是一种享受服务/购买商品和支付分离的服务，对于用户而言，享受服务/购买商品后即可离开，后续支付服务端可根据用户账号进行扣款操作，对于商户而言，无需部署人力监督用户的消费、付款行为，可以部署无人值守的店铺，比如：无人超市、自助KTV机等。
支付服务端在接收到该信用交易服务注册请求后，可以判断用户账号的信用信息是否满足条件，所述条件可以由商户进行个性化设置、也可以由支付服务端统一指定，比如：所述条件可以为用户账号的信用评分大于等于评分阈值等。本实施例中用户账号的信用信息可以理解为：账号归属的用户的信用信息。
支付服务端在确定用户账号的信用信息满足所述条件时，可以为用户账号开通面向所述商户的信用交易服务，并根据商户交易管理系统标识将所述用户的账号信息返回给商户交易管理系统。当然，在实际应用中，支付服务端在接收到所述信用交易服务注册请求后，可以先通过支付客户端引导用户进行授权，在确定用户授权后，可以提示用户确认相关协议，在用户确认后，可以执行判断用户账号的信用信息是否满足条件的步骤，这部分的处理与实现可以参考相关技术，本实施例在此不再一一赘述。
支付服务端在确定用户账号的信用信息不满足所述条件时，可以向支付客户端返回注册失败的消息以提示用户。可选的，支付客户端还可以输出改善信用信息的方法，以供用户了解。
步骤106，商户交易管理系统在接收到所述用户的账号信息后，引导用户录入生物特征。
在本实施例中，商户交易管理系统在接收到支付服务端返回的用户的账号信息后，可以确定用户账号的已开通信用交易服务，从而引导用户录入生物特征。
在一个例子中，商户交易管理系统可以在显示屏中输出引导信息，以引导用户录入生物特征。
在另一个例子中，支付服务端还可以在为用户账号开通面向所述商户的信用交易服务后，向支付客户端返回开通成功的消息，并指示支付客户端引导用户在商户交易管理系统中继续进行注册，比如：支付客户端输出提示信息“请在商户屏幕中继续完成注册”等。
在本实施例中，所述生物特征可以为指纹、掌纹、人脸、虹膜、巩膜等，本实施例对此不作特殊限制。以掌纹为例，用户在放置在掌纹后，商户交易管理系统可以采集到掌纹的主线、皱褶、三角点、细节点等特征。以人脸为例，商户交易系统可以采集到人脸特征。
步骤108，商户交易管理系统在采集到用户录入的生物特征后，将所述生物特征和所述账号信息之间的绑定关系保存至该商户的注册用户库中，并提示用户注册成功，控制商户门店的大门开启，以允许用户进入。其中，商户门店的大门通常是指消费者通行进入该无人值守门店的大门。
基于前述步骤106，商户交易管理系统在采集到用户录入的生物特征后，可以将该生物特征和支付服务端返回的账号信息的绑定关系保存至该商户的注册用户库中，并提示用户注册成功。
在一个例子中，该商户具有若干门店，在每个门店进行注册的用户的生物特征和账户的绑定关系统一保存在一个注册用户库中。
在另一个例子中，该商户具有若干门店，每个门店对应一注册用户库，该注册用户库中保存在该门店进行注册的用户的生物特征信息和该用户的账号信息的绑定关系。该商户的交易管理系统可以访问各门店的对应的注册用 户库。该注册用户库具有与商户门店对应的标识；商户交易管理系统在与用户输入生物特征门店对应的注册用户库中查找所述生物特征绑定的账号信息；若未查找到所述生物特征绑定的账号信息，则在该商户其他门店对应的注册用户库中查找所述生物特征绑定的账号信息。在该商户的注册用户很多的情况下，可以加快查找速度。
在又一个例子中，还可以以城市为单位进行注册用户库的标记。比如商户在杭州的若干家门店对应一个注册用户库，在北京的若干家门店对应另一个注册用户库等。
在本实施例中，商户交易管理系统在提示用户注册成功后，可以控制商户门店的大门开启，以允许用户进入。以无人超市为例，可以控制无人超市的大门开启，以允许用户进入超市内选购货品。以自助KTV为例，可以控制自助KTV机的大门开启，以允许用户进入后K歌。
基于图1所示的实施例，上述线下交易的实现方法还可以包括：
步骤110，商户交易管理系统在确定用户离店后，发送账单信息给支付服务端，所述账单信息中携带所述账号信息。
在本实施例中，商户交易管理系统可以在检测到商户门店的大门由内部触发开启时，确定用户离店，并计算用户本次消费的账单金额，并将该账单金额、用户的账号信息等添加账单信息中发送给支付服务端进行请款。
以无人超市为例，商户交易管理系统可以通过机器视觉、RFID(Radio Frequency Identification，射频识别)等技术确定用户购买了哪些货品，并计算所购买货品的总价格。以自助KTV机为例，商户交易管理系统可以根据两次开大门的时间差确定用户K歌的时长，然后计算用户所需要花费的金额。
步骤112，支付服务端根据所述账号信息对应的用户账号执行账单支付操作。
基于前述步骤110，支付服务端在接收到来自商户交易管理系统的账单信息后，可以查找账单信息中携带的账号信息对应的用户账号，然后基于该用户账号执行账单支付操作，比如：在所述用户账号中扣除账单金额以支付给商户交易管理系统所属的商户。
由以上描述可以看出，本实施例商户可在用户账号开通信用交易服务后，允许用户消费后离店，无需部署人力监督用户的消费、付款行为，可以部署无人值守的店铺，节省了大量的人力成本。
图3是本说明书一示例性实施例示出的一种线下无人值守场景中注册用户的交易实现方法的流程示意图。
请参考图3，该交易实现方法可以包括以下步骤：
步骤302，用户在商户交易管理系统中输入生物特征。
在本实施例中，以生物特征是掌纹为例，商户交易管理系统的显示屏可以输出提示，比如：新用户请注册，老用户请输入掌纹。
已注册的用户可以在商户交易管理系统的掌纹采集装置中输入注册时使用的掌纹。
步骤304，商户交易管理系统在注册用户库中查找所述生物特征绑定的账号信息。
基于前述步骤302，在非注册流程中采集到用户的掌纹后，可以在注册用户库中查找所述掌纹绑定的账号信息。
在一个实施例中，以生物特征是人脸为例，商户交易管理系统可以先在注册用户库中查找与采集到的人脸特征匹配的人脸特征信息，然后确定该匹配的人脸特征信息所绑定的账号信息。其中，人脸匹配的算法可以为：特征脸算法(Eigenface)、局部二值模式算法(Local Binary Patterns，LBP)等，本实施例对此不作特殊限制。人脸活体识别可以采用多种方式，比如说主动式人脸活体检测技术和被动式人脸活体检测技术。主动式人脸活体检测技术要求用户在进行人脸识别时根据指令，配合完成特定的活体动作，如眨眼、转头、张嘴等，从而活体检测模块可以根据操作者是否准确地完成了活体动作，判定操作者是否是活体。被动式人脸活体检测技术不需要用户配合完成活体动作，用户体验较好，但技术难度高，主要依赖输入的单帧图像信息或者其他设备传感器信息进行活体检测。比如说使用活体与非活体的人脸采集图像对于单一的深度学习模型进行监督式训练，然后使用训练后的模型针对输入的单帧图像进行人脸活 体预测。另外，还可以利用两个深度学习模型进行人脸活体检测。
在一个例子中，若商户部署一个注册用户库，则可以在该注册用户库中查找所述掌纹绑定的账号信息。若查找到，则可以执行步骤306。若未查找到，则可以提示用户重新输入掌纹。若连续预设的次数均未查找到用户输入的掌纹对应的用户账号，则可以确定用户尚未注册，可以提示用户进行注册。
在另一个例子中，若商户部署有多个注册用户库，则商户交易管理系统可以先在采集到掌纹的门店对应的注册用户库中查找所述掌纹绑定的账号信息，若未查找到，则可以在其他门店对应的注册用户库中进行查找。若在商户部署的所有注册用户库均未查找到上述掌纹绑定的账号信息，则可以提示用户重新输入掌纹或者提示用户进行注册。
步骤306，商户交易管理系统在查找到所述生物特征绑定的账号信息时，控制商户门店的大门开启，以允许用户进入。
步骤308，用户进入的商户门店内消费。
步骤310，商户交易管理系统在确定用户离店后，发送账单信息给支付服务端，所述账单信息中携带所述生物特征绑定的账号信息。
步骤312，支付服务端基于所述账号信息对应的用户账号执行账单支付操作。
由以上描述可以看出，本实施例注册用户可以通过生物特征实现线下交易，无需使用终端设备，方便快捷。
基于前述图1或者图3所示的实施例，当用户进入店内享受服务/购买商品，且确定用户未离店时，商户交易管理系统可以禁止采集用户生物特征，以阻止其他用户入内。
在一个例子中，当用户进入店内享受服务/购买商品，且确定用户未离店时，商户交易管理系统可以控制生物特征采集装置停止采集用户生物特征。可选的，还可以在显示屏中输出提示信息，比如：“店内有用户正在购物，请稍后”等。
在另一个例子中，当用户进入店内享受服务/购买商品，且确定用户未离店时，商户交易管理系统可以不进行绑定关系的保存、查询等操作，从而确保其他用户无法入内。
当然，在实际应用中，当用户进入店内享受服务/购买商品，且确定用户未离店时，商户交易管理系统还可以采用其他方式阻止其他用户进入，本实施例对此不作特殊限制。
基于前述图1或图3所示的实施例，支付服务端在接收到商户交易管理系统发送的账单信息后，可以先判断账单信息是否符合预设的安全策略，若符合，则可以执行账单支付操作；若不符合，则可暂停账单支付操作，并将所述账单信息发送给所述账号信息对应的用户账号，以供用户进行确认，若用户确认该账单，则可以执行支付操作，若用户对该账单产生异议，则可以请求商户对该账单进行确认等，以确保用户的财产安全。
在一个例子中，支付服务端在为用户账号开通面向商户的信用交易服务时，可以将服务开通标识返回给商户交易管理系统，比如：将所述服务开通标识和账号信息一同返回给账号交易系统。所述服务开通标识与所述用户账号和所述商户对应，可在开通信用交易服务时生成。
商户交易管理系统在接收到该服务开通标识后，可以保存所述服务开通标识与所述账号信息之间的对应关系，比如：将该对应关系也保存至商户的注册用户库中。商户交易管理系统在请款时，还可以在账单信息中添加保存的账号信息对应的服务开通标识以及商户标识等信息。
在本例中，所述安全策略包括：账单信息中携带的账号信息匹配服务开通标识对应的用户账号，且账单信息中携带的商户标识匹配服务开通标识对应的商户。
举例来说，假设支付服务端为用户1开通了面向商户1的信用交易服务，开通服务标识为HJK，该开通服务标识对应用户1的用户账号1、以及商户1。商户交易管理系统在用户1离店后，发送账单信息给支付服务端，该账单信息中携带：账单金额、注册用户库中存储的开通服务标识HJK、注册用户库中存储的账号信息1、商户标识1。
支付服务端在接收到该账单信息后，可以先查找开通服务标识HJK对应用户账号1、商户1，然后确定账号信息1与用户账号1匹配，商户标识1与商户 1匹配，进而可以确定该账单信息符合安全策略，进而执行支付操作。若存在任意一项不匹配，则可以确定该账单信息不符合安全策略。
在另一个例子中，商户交易管理系统发送的账单信息还可以携带商户交易管理系统标识，上述安全策略还可以包括：账单信息中携带的商户交易管理系统标识对应的商户交易管理系统属于服务开通标识对应的商户。
仍以前述举例为例，假设商户交易管理系统发送的账单信息还携带商户交易管理系统标识B1，支付服务端可以判断商户交易管理系统B1是否属于商户1，若属于，则可以确定该账单信息符合安全策略，进而执行支付操作。若不属于，则可以确定该账单信息不符合安全策略。
当然，在实际应用中，若可以从商户交易管理系统的标识中解析得到商户标识，则商户交易管理系统也可以不在账单信息中添加商户标识，本实施例在此不再一一赘述。
在另一个例子中，所述安全策略还包括：账单时间位于信用交易服务的有效期内。在本例中，用户在开通信用交易服务时，可以指定该信用交易服务的有效时长，比如：3个月、6个月等。支付服务端在接收到商户交易管理系统发送的账单信息后，可以判断账单时间是否在信用交易服务的有效期内，若在，则可以确定账单信息符合安全策略，若不在，则可以确定该账单信息不符合安全策略。
在实际应用中，可以结合上述安全策略进行安全检测，也可以采用上述一种或任意几种安全策略进行安全检测，当然，也可以采用其他的安全进行安全检测，本实施例对此不作特殊限制。
基于前述图1或图3所示的实施例，支付服务端可以在确定账单支付成功时，正向更新用户账号的信用信息，比如记录用户的信用事件；又比如相应增加用户账号的信用评分等。在实际实现中，可以在账单支付成功后进行信用信息的更新，也可以等到信用信息的更新时间点时，进行信用信息的更新，本实施例对此不作特殊限制。
支付服务端可以在确定账单支付失败后，重新执行支付操作，若重试若干 次数后，账单支付仍然失败，则可以将账单信息发送给支付客户端，以提示用户重新进行支付。
可选的，若用户在预定的期限内未手动重新进行支付，支付服务端可以再次尝试自动支付，比如：在24小时后再次尝试扣款。
当然，支付服务端在账单支付失败后，也可以再尝试若干次自动支付，若均失败，则可以发送支付失败的消息给用户，本实施例对此不作特殊限制。
在本例中，若账单支付失败的次数达到预定次数，比如：3次、5次等，并且到达支付截止日期仍未能支付时，支付服务端可以负向更新用户的信用评分，也可以将用户加入信用负面名单，比如：将用户加入信用黑名单。其中，所述支付截止日期可以由商户进行设置，比如：10天、15天等。可选的，支付服务端还可以将该信用负面名单提供给有需要的商户、企业等，以协助相关商户、企业降低风险。
基于前述图1或图3所示的实施例，支付服务端可以采用定期或事件触发的方式检查已开通信用交易服务的用户账号的信用信息是否依然满足条件，若不满足条件，则可以关闭该用户账号的信用交易服务，并将关闭通知发送给商户交易管理系统和用户。响应于该关闭通知，商户交易管理系统可删除注册用户库中所述用户的账号信息与生物特征之间的绑定关系，或将所述账号信息与所述生物特征之间的绑定关系标记为无效。
其中，上述检查周期可以由商户或支付服务端指定，比如：1个月、2个月等。上述事件触发可包括：用户账号的信用信息更新等。
举例来说，假设商户1设置的条件为用户账号的信用评分大于600分，用户1在开通信用交易服务时，用户账号的信用评分是601分，符合所述条件，支付服务端为用户开通面向商户1的信用交易服务。
假设，后续支付服务端检查发现用户1用户账号的信用评分是580分，不再符合所述条件，则可以关闭用户1面向商户1的信用交易服务，并通知给商户交易管理系统。商户交易管理系统在接收到该通知后可以将注册用户库中该用户1的生物特征与账号信息的绑定关系标记为无效，后续用户1使用生物特 征想要进入商户1部署的无人超市时，商户交易管理系统可以输出信用评分较低，无法进入等提示信息。
本实施例针对已开通信用交易服务的用户账号，可以在检查发现用户账号的信用信息不再符合条件时，关闭信用交易服务，确保信用信息满足安全策略的用户才能先享受服务/购买商品后付款，从而确保商户的货品安全，维护商户的正当利益。
与前述线下交易的实现方法的实施例相对应，本说明书还提供一种线下交易的实现装置，请参考图4，该线下交易的实现装置包括：处理器以及用于存储机器可执行指令的存储器。其中，处理器和存储器通常借由内部总线相互连接。在其他可能的实现方式中，所述设备还可能包括网络接口，以能够与其他设备或者部件进行通信。
在本实施例中，通过读取并执行所述存储器存储的与线下交易的实现控制逻辑对应的机器可执行指令，所述处理器执行：
响应于用户注册商户的信用交易服务的请求，判断用户账号的信用信息是否满足条件；
在确定所述用户账号的信用信息满足所述条件时，为所述用户账号开通面向所述商户的信用交易服务，并将所述用户的账号信息发送给商户交易管理系统；
接收商户交易管理系统发送的账单信息，所述账单信息中携带所述账号信息；
根据所述账号信息对应的用户账号执行账单支付操作。
可选的，通过读取并执行所述存储器存储的与线下交易的实现控制逻辑对应的机器可执行指令，所述处理器还执行：
在为所述用户账号开通面向所述商户的信用交易服务后，向发起信用交易服务开通请求的支付客户端返回开通成功的消息，并指示支付客户端引导用户在商户交易管理系统中继续进行注册。
可选的，通过读取并执行所述存储器存储的与线下交易的实现控制逻辑对 应的机器可执行指令，所述处理器还执行：
在根据所述账号信息对应的用户账号执行账单支付操作之前，检查所述账单信息是否符合安全策略；
若所述账单信息符合所述安全策略，则执行账单支付操作。
可选的，通过读取并执行所述存储器存储的与线下交易的实现控制逻辑对应的机器可执行指令，所述处理器还执行：
在为所述用户账号开通面向所述商户的信用交易服务时，将服务开通标识返回给商户交易管理系统，所述服务开通标识与所述用户账号、所述商户对应，以供商户交易管理系统保存所述服务开通标识与所述账号信息之间的对应关系；
所述账单信息中还携带商户标识以及所述账号信息对应的服务开通标识；
所述安全策略包括：所述账单信息中携带的账号信息匹配所述服务开通标识对应的用户账号，且所述账单信息中携带的商户标识匹配所述服务开通标识对应的商户。
可选的，所述账单信息中还携带商户交易管理系统标识；
所述安全策略还包括：账单信息中携带的商户交易管理系统标识对应的商户交易管理系统属于所述服务开通标识对应的商户。
可选的，所述安全策略还包括：账单时间位于所述信用交易服务的有效期内。
可选的，通过读取并执行所述存储器存储的与线下交易的实现控制逻辑对应的机器可执行指令，所述处理器还执行：
若账单支付成功，正向更新所述用户账号的信用信息。
可选的，通过读取并执行所述存储器存储的与线下交易的实现控制逻辑对应的机器可执行指令，所述处理器还执行：
若账单支付失败，将所述账单信息发送给支付客户端，以提示用户重新进行支付；和/或
若账单支付失败的次数达到预定次数并且到达支付截止日期仍未支付，支付服务端将用户加入信用负面名单。
可选的，通过读取并执行所述存储器存储的与线下交易的实现控制逻辑对应的机器可执行指令，所述处理器还执行：
采用定期或事件触发的方式检查已开通信用交易服务的用户账号的信用信息是否满足所述条件；
若不满足所述条件，则关闭所述用户账号的信用交易服务，并将关闭通知发送给商户交易管理系统，以供商户交易管理系统删除注册用户库中所述用户的账号信息与生物特征之间的绑定关系，或将所述账号信息与所述生物特征之间的绑定关系标记为无效。
与前述线下交易的实现方法的实施例相对应，本说明书还提供一种计算机可读存储介质，其上存储有计算机程序，该程序被处理器执行时实现以下步骤：
响应于用户注册商户的信用交易服务的请求，判断用户账号的信用信息是否满足条件；
在确定所述用户账号的信用信息满足所述条件时，为所述用户账号开通面向所述商户的信用交易服务，并将所述用户的账号信息发送给商户交易管理系统，以供商户交易管理系统在用户录入生物特征后，保存所述生物特征和所述账号信息之间的绑定关系至该商户的注册用户库中商户交易管理系统；
接收商户交易管理系统发送的账单信息，所述账单信息中携带所述账号信息；
根据所述账号信息对应的用户账号执行账单支付操作。
可选的，还包括：
在为所述用户账号开通面向所述商户的信用交易服务后，向发起信用交易服务开通请求的支付客户端返回开通成功的消息，并指示支付客户端引导用户在商户交易管理系统中继续进行注册。
可选的，还包括：
在根据所述账号信息对应的用户账号执行账单支付操作之前，检查所述账单信息是否符合安全策略；
若所述账单信息符合所述安全策略，则执行账单支付操作。
可选的，还包括：
在为所述用户账号开通面向所述商户的信用交易服务时，将服务开通标识返回给商户交易管理系统，所述服务开通标识与所述用户账号、所述商户对应，以供商户交易管理系统保存所述服务开通标识与所述账号信息之间的对应关系；
所述账单信息中还携带商户标识以及所述账号信息对应的服务开通标识；
所述安全策略包括：所述账单信息中携带的账号信息匹配所述服务开通标识对应的用户账号，且所述账单信息中携带的商户标识匹配所述服务开通标识对应的商户。
可选的，所述账单信息中还携带商户交易管理系统标识；
所述安全策略还包括：账单信息中携带的商户交易管理系统标识对应的商户交易管理系统属于所述服务开通标识对应的商户。
可选的，所述安全策略还包括：账单时间位于所述信用交易服务的有效期内。
可选的，还包括：
若账单支付成功，正向更新所述用户账号的信用信息。
可选的，还包括：
若账单支付失败，将所述账单信息发送给支付客户端，以提示用户重新进行支付；和/或
若账单支付失败的次数达到预定次数并且到达支付截止日期仍未支付，支付服务端将用户加入信用负面名单。
可选的，还包括：
采用定期或事件触发的方式检查已开通信用交易服务的用户账号的信用信息是否满足所述条件；
若不满足所述条件，则关闭所述用户账号的信用交易服务，并将关闭通知发送给商户交易管理系统，以供商户交易管理系统删除注册用户库中所述用户的账号信息与生物特征之间的绑定关系，或将所述账号信息与所述生物特征之间的绑定关系标记为无效。
上述装置中处理器执行的过程具体详见上述方法中对应步骤的实现过程，在此不再赘述。
对于装置实施例而言，由于其基本对应于方法实施例，所以相关之处参见方法实施例的部分说明即可。以上所描述的装置实施例仅仅是示意性的，其中所述作为分离部件说明的单元可以是或者也可以不是物理上分开的，作为单元显示的部件可以是或者也可以不是物理单元，即可以位于一个地方，或者也可以分布到多个网络单元上。可以根据实际的需要选择其中的部分或者全部模块来实现本说明书方案的目的。本领域普通技术人员在不付出创造性劳动的情况下，即可以理解并实施。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机，计算机的具体形式可以是个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件收发设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任意几种设备的组合。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
以上所述仅为本说明书的较佳实施例而已，并不用以限制本说明书，凡在本说明书的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本公开保护的范围之内。

Claims (36)

  1. 一种线下交易的实现方法，包括：
    响应于用户注册商户的信用交易服务的请求，支付服务端判断用户账号的信用信息是否满足条件；
    支付服务端在确定所述用户账号的信用信息满足所述条件时，为所述用户账号开通面向所述商户的信用交易服务，并将所述用户的账号信息发送给商户交易管理系统；
    商户交易管理系统在接收到所述用户的账号信息后，引导用户录入生物特征；
    商户交易管理系统在采集到用户录入的生物特征后，将所述生物特征和所述账号信息之间的绑定关系保存至该商户的注册用户库中，并提示用户注册成功，控制商户门店的大门开启，以允许用户进入。
  2. 根据权利要求1所述的方法，还包括：
    商户交易管理系统在确定用户离开所述门店后，发送账单信息给支付服务端，所述账单信息中携带所述账号信息；
    支付服务端根据所述账号信息对应的用户账号执行账单支付操作。
  3. 根据权利要求1所述的方法，还包括：
    商户交易管理系统在非注册流程中采集用户生物特征；
    商户交易管理系统在所述注册用户库中查找所述生物特征绑定的账号信息；
    商户交易管理系统在查找到所述生物特征绑定的账号信息时，控制商户门店的大门开启，以允许用户进入；
    商户交易管理系统在确定用户离开所述门店后，发送账单信息给支付服务端，所述账单信息中携带所述生物特征绑定的账号信息。
  4. 根据权利要求3所述的方法，所述商户具有若干个门店，所述注册用户库具有与商户门店对应的标识；
    所述商户交易管理系统在所述注册用户库中查找所述生物特征绑定的账号 信息，包括：
    商户交易管理系统在与用户输入生物特征的门店对应的注册用户库中查找所述生物特征绑定的账号信息；
    若未查找到所述生物特征绑定的账号信息，则在该商户其他门店对应的注册用户库中查找所述生物特征绑定的账号信息。
  5. 根据权利要求3所述的方法，还包括：
    若商户交易管理系统未查找到所述生物特征绑定的账号信息，则提示用户重新输入生物特征和/或提示用户进行注册。
  6. 根据权利要求5所述的方法，商户交易管理系统包括一显示屏，所述商户交易管理系统提示用户进行注册的过程包括：
    在商户交易管理系统的显示屏中输出图形编码，并提示用户采用支付客户端进行扫描，所述图形编码中携带商户交易管理系统标识。
  7. 根据权利要求6所述的方法，还包括：
    支付服务端接收支付客户端在扫描所述图形编码后发送的面向所述商户的信用交易服务注册请求，所述信用交易服务注册请求中携带商户交易管理系统标识，以供支付服务端在为用户账号开通面向所述商户的信用交易服务时，根据所述商户交易管理系统标识将所述用户的账号信息发送给商户交易管理系统。
  8. 根据权利要求7所述的方法，还包括：
    支付服务端在为所述用户账号开通面向所述商户的信用交易服务后，向所述支付客户端返回开通成功的消息，并指示支付客户端引导用户在商户交易管理系统中继续进行注册。
  9. 根据权利要求2或3所述的方法，还包括：
    支付服务端在根据所述账号信息对应的用户账号执行账单支付操作之前，检查所述账单信息是否符合安全策略；若所述账单信息符合所述安全策略，则执行账单支付操作。
  10. 根据权利要求9所述的方法，还包括：
    支付服务端在为所述用户账号开通面向所述商户的信用交易服务时，将服 务开通标识返回给商户交易管理系统，所述服务开通标识与所述用户账号和所述商户对应；
    商户交易管理系统保存所述服务开通标识与所述账号信息之间的对应关系；
    所述账单信息中还携带商户标识以及所述账号信息对应的服务开通标识；
    所述安全策略包括：所述账单信息中携带的账号信息匹配所述服务开通标识对应的用户账号，且所述账单信息中携带的商户标识匹配所述服务开通标识对应的商户。
  11. 根据权利要求10所述的方法，
    所述账单信息中还携带商户交易管理系统标识；
    所述安全策略还包括：账单信息中携带的商户交易管理系统标识对应的商户交易管理系统属于所述服务开通标识对应的商户。
  12. 根据权利要求9所述的方法，
    所述安全策略还包括：账单时间位于所述信用交易服务的有效期内。
  13. 根据权利要求1所述的方法，还包括：
    商户交易管理系统在确定用户未离开所述门店时，禁止采集用户生物特征。
  14. 根据权利要求1所述的方法，
    商户交易管理系统在检测到商户门店的大门由内部触发开启时，确定用户离店。
  15. 根据权利要求2或3所述的方法，还包括：
    若账单支付成功，支付服务端正向更新所述用户账号的信用信息。
  16. 根据权利要求2或3所述的方法，还包括：
    若账单支付失败，支付服务端将所述账单信息发送给支付客户端，以提示用户重新进行支付；和/或
    若账单支付失败的次数达到预定次数并且到达支付截止日期仍未支付，支付服务端将用户加入信用负面名单。
  17. 根据权利要求1所述的方法，还包括：
    支付服务端采用定期或事件触发的方式检查已开通信用交易服务的用户账 号的信用信息是否满足所述条件；
    若不满足所述条件，则关闭所述用户账号的信用交易服务，并将关闭通知发送给商户交易管理系统；
    响应于所述关闭通知，商户交易管理系统删除注册用户库中所述用户的账号信息与生物特征之间的绑定关系。
  18. 根据权利要求1所述的方法，所述条件包括：用户账号的信用评分大于等于设定评分阈值。
  19. 一种线下交易的实现方法，应用于支付服务端，包括：
    响应于用户注册商户的信用交易服务的请求，判断用户账号的信用信息是否满足条件；
    在确定所述用户账号的信用信息满足所述条件时，为所述用户账号开通面向所述商户的信用交易服务，并将所述用户的账号信息发送给商户交易管理系统；
    接收商户交易管理系统发送的账单信息，所述账单信息中携带所述账号信息；
    根据所述账号信息对应的用户账号执行账单支付操作。
  20. 根据权利要求19所述的方法，还包括：
    在为所述用户账号开通面向所述商户的信用交易服务后，向发起信用交易服务开通请求的支付客户端返回开通成功的消息，并指示支付客户端引导用户在商户交易管理系统中继续进行注册。
  21. 根据权利要求19所述的方法，还包括：
    在根据所述账号信息对应的用户账号执行账单支付操作之前，检查所述账单信息是否符合安全策略；
    若所述账单信息符合所述安全策略，则执行账单支付操作。
  22. 根据权利要求21所述的方法，还包括：
    在为所述用户账号开通面向所述商户的信用交易服务时，将服务开通标识返回给商户交易管理系统，所述服务开通标识与所述用户账号和所述商户 对应，以供商户交易管理系统保存所述服务开通标识与所述账号信息之间的对应关系；
    所述账单信息中还携带商户标识以及所述账号信息对应的服务开通标识；
    所述安全策略包括：所述账单信息中携带的账号信息匹配所述服务开通标识对应的用户账号，且所述账单信息中携带的商户标识匹配所述服务开通标识对应的商户。
  23. 根据权利要求22所述的方法，
    所述账单信息中还携带商户交易管理系统标识；
    所述安全策略还包括：账单信息中携带的商户交易管理系统标识对应的商户交易管理系统属于所述服务开通标识对应的商户。
  24. 根据权利要求21所述的方法，
    所述安全策略还包括：账单时间位于所述信用交易服务的有效期内。
  25. 根据权利要求19所述的方法，还包括：
    若账单支付成功，正向更新所述用户账号的信用信息。
  26. 根据权利要求19所述的方法，还包括：
    若账单支付失败，将所述账单信息发送给支付客户端，以提示用户重新进行支付；和/或
    若账单支付失败的次数达到预定次数并且到达支付截止日期仍未支付，则将用户加入信用负面名单。
  27. 根据权利要求19所述的方法，还包括：
    采用定期或事件触发的方式检查已开通信用交易服务的用户账号的信用信息是否满足所述条件；
    若不满足所述条件，则关闭所述用户账号的信用交易服务，并将关闭通知发送给商户交易管理系统，以供商户交易管理系统删除注册用户库中所述用户的账号信息与生物特征之间的绑定关系。
  28. 一种线下交易的实现方法，应用于商户交易管理系统，该方法包括：
    接收支付服务端响应于用户注册商户的信用交易服务的请求，为用户账号开通面向商户的信用交易服务后发送的所述用户的账号信息；
    在接收到所述用户的账号信息后，引导用户录入生物特征；
    在采集到用户录入的生物特征后，将所述生物特征和所述账号信息之间的绑定关系保存至该商户的注册用户库中，并提示用户注册成功，控制商户门店的大门开启，以允许用户进入。
  29. 根据权利要求28所述的方法，还包括：
    在确定用户离开所述门店后，发送账单信息给支付服务端，所述账单信息中携带所述账号信息，以供支付服务端根据所述账号信息对应的用户账号执行账单支付操作。
  30. 根据权利要求28所述的方法，还包括：
    在非注册流程中采集用户生物特征；
    在所述注册用户库中查找所述生物特征绑定的账号信息；
    在查找到所述生物特征绑定的账号信息时，控制商户门店的大门开启，以允许用户进入；
    在确定用户离店后，发送账单信息给支付服务端，所述账单信息中携带所述生物特征绑定的账号信息。
  31. 根据权利要求30所述的方法，所述商户具有若干个门店，所述注册用户库具有与商户门店对应的标识；
    所述在所述注册用户库中查找所述生物特征绑定的账号信息，包括：
    在与用户输入生物特征的门店对应的注册用户库中查找所述生物特征绑定的账号信息；
    若未查找到所述生物特征绑定的账号信息，则在该商户其他门店对应的注册用户库中查找所述生物特征绑定的账号信息。
  32. 根据权利要求30所述的方法，还包括：
    在未查找到所述生物特征绑定的账号信息时，提示用户重新输入生物特征和/或提示用户进行注册。
  33. 根据权利要求32所述的方法，提示用户进行注册的过程包括：
    在商户交易管理系统的显示屏中输出图形编码，并提示用户采用支付客户端进行扫描，所述图形编码中携带商户交易管理系统标识。
  34. 根据权利要求28所述的方法，还包括：
    在确定用户未离开所述门店时，禁止采集用户生物特征。
  35. 根据权利要求29或30所述的方法，还包括：
    在检测到商户门店的大门由内部触发开启时，确定用户离店。
  36. 一种线下交易的实现装置，包括：
    处理器；
    用于存储处理器机器可执行指令的存储器；
    其中，通过读取并执行所述存储器存储的与线下交易的实现控制逻辑对应的机器可执行指令，所述处理器执行：
    响应于用户注册商户的信用交易服务的请求，判断用户账号的信用信息是否满足条件；
    在确定所述用户账号的信用信息满足所述条件时，为所述用户账号开通面向所述商户的信用交易服务，并将所述用户的账号信息发送给商户交易管理系统；
    接收商户交易管理系统发送的账单信息，所述账单信息中携带所述账号信息；
    根据所述账号信息对应的用户账号执行账单支付操作。
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