WO2020087736A1 - 一种基于区块链的离线支付方法、装置、设备和存储介质 - Google Patents

一种基于区块链的离线支付方法、装置、设备和存储介质 Download PDF

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WO2020087736A1
WO2020087736A1 PCT/CN2018/124203 CN2018124203W WO2020087736A1 WO 2020087736 A1 WO2020087736 A1 WO 2020087736A1 CN 2018124203 W CN2018124203 W CN 2018124203W WO 2020087736 A1 WO2020087736 A1 WO 2020087736A1
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Prior art keywords
payment
payment terminal
terminal
information
account information
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English (en)
French (fr)
Inventor
高立志
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827—Use of message hashing
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

Definitions

  • the present application relates to the field of mobile payment, in particular to an offline payment method, device, equipment and storage medium based on blockchain.
  • Mobile payment is rapidly gaining popularity in the payment market with convenient and simple operation methods, which not only breaks the traditional payment model, but also brings tremendous changes to the financial industry, service industry and other fields. More and more units and individuals directly or indirectly send payment instructions to bank financial institutions through mobile terminals, the Internet, etc. to generate currency payment and fund transfer behaviors, thereby achieving fast and convenient cashless living and office work, but due to mobile payment Establishing transactions on the basis of the Internet has caused great inconvenience to areas with limited network signals, reduced the probability of successful payment, and caused many problems for users.
  • An offline payment method based on blockchain including:
  • the payment terminal When at least one of the payment terminal or the payment terminal is offline, the payment terminal establishes a connection with the payment terminal to communicate;
  • the payment terminal receives payment data and collection account information sent by the collection terminal;
  • the payment terminal verifies transaction information according to the payment data and the collection account information, the payment terminal completes payment processing according to the transaction information verification result, and feeds back the payment result and payment account information to the collection terminal;
  • the payment terminal generates billing information according to the payment result and the payment account information, and sends the billing information to the payment terminal;
  • the payment terminal or the payment terminal in the online state transfers the billing information, the payment account information, and the payment account information Generate a transaction block, and upload the transaction block in the blockchain system to form a new blockchain.
  • this application also provides an offline payment device based on blockchain, including:
  • the communication establishment module is configured to establish a connection between the payment terminal and the payment terminal for communication when at least one of the payment terminal or the payment terminal is offline.
  • a payment receiving module configured to receive payment data and payment account information sent by the payment terminal from the payment terminal;
  • a verification payment module configured to verify that the payment terminal verifies transaction information based on the payment data and the collection account information, the payment terminal completes payment processing based on the transaction information verification result and feeds back the payment result and payment account information to The collection terminal;
  • a bill generation module configured to generate the billing information according to the payment result and the payment account information, and send the billing information to the payment terminal;
  • the block chaining module is configured to, when either the collection terminal or the payment terminal is online, the collection terminal or the payment terminal in the online state transfer the billing information and the payment account The information and the collection account information form a transaction block, and the transaction block is uploaded to the blockchain system to form a new blockchain.
  • the present application also provides a computer device including a memory and a processor, and the memory stores computer-readable instructions, which when executed by the processor, causes the processor Perform the following steps:
  • the payment terminal When at least one of the payment terminal or the payment terminal is offline, the payment terminal establishes a connection with the payment terminal to communicate;
  • the payment terminal receives payment data and collection account information sent by the collection terminal;
  • the payment terminal verifies transaction information according to the payment data and the collection account information, the payment terminal completes payment processing according to the transaction information verification result, and feeds back the payment result and payment account information to the collection terminal;
  • the payment terminal generates billing information according to the payment result and the payment account information, and sends the billing information to the payment terminal;
  • the payment terminal or the payment terminal in the online state transfers the billing information, the payment account information, and the payment account information Generate a transaction block, and upload the transaction block in the blockchain system to form a new blockchain.
  • the present application also provides a storage medium that stores computer-readable instructions that, when executed by one or more processors, cause the one or more processors to perform the following steps:
  • the payment terminal When at least one of the payment terminal or the payment terminal is offline, the payment terminal establishes a connection with the payment terminal to communicate;
  • the payment terminal receives payment data and collection account information sent by the collection terminal;
  • the payment terminal verifies transaction information according to the payment data and the collection account information, the payment terminal completes payment processing according to the transaction information verification result, and feeds back the payment result and payment account information to the collection terminal;
  • the payment terminal generates billing information according to the payment result and the payment account information, and sends the billing information to the payment terminal;
  • the payment terminal or the payment terminal in the online state transfers the billing information, the payment account information, and the payment account information Generate a transaction block, and upload the transaction block in the blockchain system to form a new blockchain.
  • the above-mentioned blockchain-based offline payment method, device, equipment and storage medium by establishing offline close-range communication, receive payment data and collection account information, complete the processing of transaction bills in offline state, and simultaneously The collection account information and payment account information are uploaded to the blockchain system to complete the mobile payment in the offline state.
  • This application completes the smooth development of mobile payment in an offline state, guarantees the normal progress of mobile payment in the absence of a network, and is simple, convenient, and easy to operate. It not only solves the historical problems of mobile payment, but also provides security for the user's convenient life. Guarantee to avoid payment failure and repeated payment.
  • step S3 is a flow chart of verification payment in step S3 in an embodiment of the present application.
  • FIG. 3 is a flowchart of step S5 block chaining in an embodiment of the present application.
  • FIG. 4 is a flowchart of step S6 broadcast update in an embodiment of the present application.
  • FIG. 5 is a schematic diagram of an offline payment device based on a blockchain in an embodiment of the present application.
  • FIG. 1 is a flowchart of a blockchain-based offline payment method of the present application. As shown in FIG. 1, a blockchain-based offline payment method includes the following steps:
  • Step S1 communication establishment: when at least one of the payment terminal or the payment terminal is offline, the payment terminal establishes a connection with the payment terminal for communication.
  • This step is implemented when at least one of the payment terminal or the payment terminal is offline, including the case where the payment terminal or the payment terminal is offline at the same time, and the specific communication connection method is selected: NFC close range Wireless transmission or Bluetooth connection.
  • NFC Near field communication
  • Devices that use NFC technology such as mobile phones and tablets, can exchange data when they are close to each other. They are evolved from the integration of contactless radio frequency identification and interconnection technology.
  • the mobile terminal when taking the bus or subway, uses the NFC function, regardless of whether it is online, can complete mobile payment, the current common application terminals: Apple Pay, Huawei Pay, Huawei mobile wallet.
  • contactless short-distance transmission is adopted to realize the payment in the offline state, and the short board in the offline state of the mobile payment is completed.
  • it is simple and easy to operate, and the use method is flexible and efficient.
  • Step S2 payment reception: the payment terminal receives payment data and payment account information sent by the payment terminal.
  • the payment terminal will send the payment data and the payment account information to Payment terminal.
  • This embodiment uses mobile payment, which greatly improves the efficiency of cash register, reduces transaction costs, promotes the rapid development of cashless payment, makes people's lives more convenient, and drives the transformation and upgrading of traditional transaction methods.
  • Step S3 verify payment: the payment terminal verifies transaction information based on the payment data and the collection account information, the payment terminal completes payment processing based on the transaction information verification result and feeds back the payment result and payment account information to The payment terminal.
  • the payment terminal and the payment terminal must be real-name authentication terminals.
  • the real-name authentication information uploaded by the user is obtained through a preset real-name authentication interface to complete the real-name authentication.
  • the real-name authentication information includes but is not limited to the user identity certificate, terminal At least one of a name, the user fingerprint information, payment account information, or payment agreement.
  • FIG. 2 is a flowchart of step S3 in one embodiment of this application to verify payment. As shown in FIG. 2, step S3 may include the following specific steps:
  • Step S301 payment feedback: the payment terminal receives the payment data and the collection account information and displays it on the information confirmation interface of the payment terminal;
  • Step S302 Verification processing: the payment terminal asks the user to verify whether the payment data is consistent with the collection account. When receiving the user feedback verification, the payment terminal completes the payment processing and returns the payment result to all The payment terminal, when receiving that the user feedback verification is inconsistent, the payment terminal rejects the payment and feeds back the payment failure to the payment terminal.
  • a display screen is set on the payment terminal, which is used by the user to view the specific payment data and the collection account information.
  • an LED display screen, a multi-touch screen, a liquid crystal display screen, etc. may be selected. Whether the transaction can be completed specifically requires that the payment device confirmation information is given after the user checks, and the payment device performs payment based on the information fed back after confirmation.
  • the payment data and collection account information will be displayed on the user's mobile terminal.
  • the user can view the specific transaction information on the mobile terminal and confirm the transaction before completing the transaction.
  • the implementation process of this embodiment must be carried out when the terminal has been authenticated by real name, which ensures the traceability of the information, and at the same time makes the payment information explicit, and the transaction can be completed after the user confirms it, ensuring the user ’s right to know and legal rights and interests , Provides double security guarantee for mobile payment.
  • Step S4 Bill generation: the payment terminal generates billing information according to the payment result and the payment account information, and sends the billing information to the payment terminal.
  • This step sorts out the completed transaction data on the basis of the completed payment, unifies the specific payment content, payment data, payment account information and collection account information into a single bill, and sends it to the payment terminal for verification and collection certificate.
  • mobile payment terminals such as Alipay, WeChat, UnionPay and other clients can see the specific details of completed transactions, and users can view transaction records directly on the client.
  • the specific transaction content is electronically processed, so that the user can view the consumption information at any time.
  • the user uses certain payment clients regularly, he can learn more about the personal usage habits and transaction details, so that the user can arrange personal capital turnover reasonably.
  • Step S5 Block on-chain: When any of the payment terminal or the payment terminal is online, the payment terminal or the payment terminal in the online state transfers the billing information and the payment account The information and the collection account information generate a transaction block, and the transaction block is uploaded in the blockchain system to form a new blockchain.
  • the blockchain system is a distributed linked ledger.
  • Each ledger is a block.
  • a block is a collection of many transaction data. It is marked with a time stamp and a unique mark of a previous block. After the consensus of the network is recognized, it will be added to the main blockchain.
  • the blockchain is a data structure that has blocks containing transaction information linked in order from back to front.
  • FIG. 3 is a flowchart of step S5 block generation in an embodiment of the present application. As shown in FIG. 3, in an embodiment, step S5 may include the following specific steps:
  • Step S501 data uploading: when either the payment terminal or the payment terminal is online, the payment terminal or the payment terminal in the online state transfers the billing information, the payment account information, The collection account information is uploaded to the offline payment transaction node in the blockchain system.
  • Step S502 hash value calculation: the offline transaction node calculates a target hash value based on the billing information, the payment account information, and the collection account information.
  • Hash value also known as "hash” is to convert any length of input into a fixed-length output through a hash algorithm, and the output is the hash value.
  • This conversion is a kind of compressed mapping, and the hash value is simply understood as a piece of data DNA, or ID card, through a certain hash algorithm, a long piece of data is mapped to a shorter piece of data, this small piece of data It is the hash value of big data.
  • the hash value is unique. Once the big data has changed, even a small change, the hash value will also change, ensuring that no two data has the same hash value. Because of this feature, the hash value is often used to distinguish two different files.
  • the hash algorithm based on the hash function is often used to achieve data integrity and entity authentication. It also constitutes a variety of cryptosystems and Agreement security. In this step, the offline transaction nodes are distinguished by calculating the hash value, which serves as a mark for node differentiation.
  • This embodiment effectively uses the hash value algorithm to distinguish offline transaction nodes, avoiding the possibility of duplication in different blocks, ensuring the uniqueness of data blocks, avoiding data confusion, and ensuring data security.
  • Step S503 block generation: the offline payment transaction node refers to the hash value of the previous block in the blockchain record list, and converts the hash value, time stamp, and target hash value of the previous block A block header is generated, and the bill information, the payment account information, and the payment account information are generated into a block body, and the block header and the block body form a transaction block.
  • Each data block in the blockchain system generally includes two parts: a block header and a block body.
  • the block header encapsulates the previous block's hash value, time stamp, random number, target block's hash value, etc.
  • Information the block body contains transaction details. If the data of the block is not on the chain, 100% is a pseudo-blockchain project. Only by uploading the content of the block to the blockchain system can the link of the blockchain system be realized, and the sharing and use of data resources can be achieved. Give play to the credit value of the blockchain system.
  • This embodiment uses blockchain technology to record transaction information, which has a subversive value. Since blockchain technology is a public ledger established between participants by sharing consensus, the information in the blockchain is naturally recognized by the participants , Unique, traceable, and non-tamperable information source, many original repeated verification processes and manipulations can be simplified and improved efficiency; Blockchain-based transactions are different from traditional transactions that require trusting counterparties. Blockchain technology You can use smart contracts and other methods to ensure that multiple parties of the transaction automatically complete the corresponding obligations and ensure the safety of the transaction, thereby reducing the credit risk of the opponent; blockchain technology can achieve real-time transaction settlement and clearing, reducing time and improving efficiency.
  • FIG. 4 is a flowchart of step S6 broadcast update in an embodiment of the present application. As shown in FIG. 4, in an embodiment, step S6 may include the following specific steps:
  • Step S601 block broadcasting: the offline transaction node broadcasts the transaction block that has been on-chain in the blockchain system.
  • Step S602 List update: Each node in the blockchain system updates the record information of the transaction block to the blockchain record list of its own node.
  • the blocks are interconnected and interconnected. Like the Internet, the links of the blocks are realized to form a large blockchain network.
  • Blockchain broadcasting is based on the intercommunication between points.
  • each node will remember the network node that it has successfully linked to recently. When restarted, it can quickly communicate with the previous one.
  • the peer node re-establishes the link. When a new link appears or loses an existing link, the node will establish one or more new links.
  • the node also sends a message containing its own IP address to its neighboring node.
  • the neighboring node This message will be forwarded to their neighbors in order to ensure that the node information is received by multiple nodes and the link is more stable.
  • the node successfully sends a message to the linked node based on the successful connection of the transaction block to the blockchain network, and then transmits it to other nodes through the node that has completed the link to achieve the broadcast of information.
  • This embodiment discloses the transaction information in the blockchain system, because the blockchain technology can better monitor all transactions and smart contracts in real time, and retain it in an irrevocable, undeniable, and non-tamperable manner, which is convenient for regulatory agencies. Realizing real-time monitoring and supervision also facilitates the participants to implement automated compliance processing, thereby enhancing transparency, realizing more efficient real-time supervision and avoiding fraud.
  • Step S5 the process of the transaction block being listed on the blockchain system also includes the following two cases:
  • the transaction block is uploaded to the payment side chain in the blockchain system.
  • the blockchain can be divided into the main chain and the side chain.
  • the blockchain is divided into the payment side chain and the payment side chain according to the different nodes on the chain of the payment terminal and the payment terminal.
  • Different upload nodes have different side chains.
  • the data on one side chain or the error of the upload node will cause the loss or increase of assets on the chain will not affect the loss or increase of assets on the other chain, even if it occurs during the transfer of assets
  • There will be no problems in the reorganization of the blockchain. Any terminal caused by the reorganization of the blockchain is limited to this side chain and will not affect other blockchains.
  • the side chains can be independent of each other, and users can use other chains provide data.
  • the data in the blockchain is distinguished by side chains, which effectively reduces the cost of large-area block reorganization due to data errors or node upload errors.
  • data can be differentiated and backed up from different side chains. , To prevent the loss of data and assets.
  • This application establishes an offline payment system based on the blockchain, which can solve the problem of identification and personal credit for network transactions at a very low cost, and the use of peer-to-peer transactions avoids the traditional centralized clearing structure, which can greatly improve the financial system Even the operating efficiency of the entire economic system creatively uses technology to establish credit for both parties to the transaction without the involvement of third-party institutions, thereby greatly reducing transaction costs and reducing the cost of credit for value exchange.
  • an offline payment device based on blockchain is proposed, as shown in FIG. 5, which includes:
  • the communication establishment module is configured to establish a connection between the payment terminal and the payment terminal for communication when at least one of the payment terminal or the payment terminal is offline.
  • a payment receiving module configured to receive payment data and payment account information sent by the payment terminal from the payment terminal;
  • a verification payment module configured to verify that the payment terminal verifies transaction information based on the payment data and the collection account information, the payment terminal completes payment processing based on the transaction information verification result and feeds back the payment result and payment account information to The collection terminal;
  • a bill generation module configured to generate the billing information according to the payment result and the payment account information, and send the billing information to the payment terminal;
  • the block generation module is configured to, when either the payment terminal or the payment terminal is online, the payment terminal or the payment terminal in the online state to convert the billing information and the payment account information Form a transaction block with the collection account information, and upload the transaction block in the blockchain system to form a new blockchain.
  • connection mode adopted between the payment terminal and the payment terminal of the communication establishment module is NFC short-range wireless transmission or Bluetooth connection.
  • an offline payment device based on blockchain further includes:
  • the real-name authentication module is configured to obtain real-name authentication information uploaded by the user through a preset real-name authentication interface when the payment terminal or the payment terminal is used for the first time to complete the real-name authentication.
  • the real-name authentication information includes but is not limited to At least one of the user identity certificate, terminal name, the user fingerprint information, payment account information, or payment protocol.
  • the verification payment module includes:
  • An information display unit configured to receive the payment data and the collection account information by the payment terminal and display it on the information confirmation interface of the payment terminal;
  • the account verification unit is set for the payment terminal to ask the user to verify whether the payment data is consistent with the collection account.
  • the payment terminal completes the payment process and returns the payment result to The payment terminal, when receiving that the user feedback verification is inconsistent, the payment terminal rejects the payment and feeds back the payment failure to the payment terminal.
  • the blockchain module includes:
  • the information uploading unit is configured to, when either the payment terminal or the payment terminal is online, the payment terminal or the payment terminal in the online state to transfer the billing information, the payment account information,
  • the collection account information is uploaded to the offline payment transaction node in the blockchain system;
  • a hash value calculation unit configured to calculate the target hash value of the offline transaction node based on the billing information, the payment account information, and the collection account information;
  • the block forming unit is set up such that the offline payment transaction node refers to the hash value of the previous block in the blockchain record list, and converts the hash value, time stamp and target hash value of the previous block A block header is generated, and the bill information, the payment account information, and the payment account information are generated into a block body, and the block header and the block body form a transaction block.
  • an offline payment device based on blockchain further includes:
  • a block broadcasting module configured to broadcast the transaction block that has been on-chain in the blockchain system by the offline transaction node
  • the list update module is configured to update each node in the blockchain system to record information of the transaction block to the blockchain record list of its own node.
  • the blockchain module further includes:
  • the collection side chain on-chain unit is configured to upload the transaction block to the collection side chain in the blockchain system when the collection terminal is online;
  • the payment side chain upload unit is configured to upload the transaction block to the payment side chain in the blockchain system when the payment terminal is online.
  • a computer device which includes a memory and a processor.
  • the memory stores computer-readable instructions.
  • the processor implements the computer-readable instructions to implement the above Steps in an embodiment of an offline payment method based on blockchain.
  • a storage medium storing computer-readable instructions.
  • the one or more processors execute one of the above embodiments based on Steps in the offline payment method of the blockchain.
  • the computer program may be stored in a computer-readable storage medium. When executed, it may include the processes of the foregoing method embodiments.
  • the aforementioned storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a read-only storage memory (ReA / D-Only Memory, ROM), or a random storage memory (Random Access Memory, RAM), etc.

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Abstract

一种基于区块链的离线支付方法、装置、设备和存储介质，所述方法包括：离线状态时，建立连接进行通信；验证交易信息，完成支付处理；生成账单信息；在线状态时，将账单信息、付款账户信息和收款账户信息生成交易区块。本方法可以通过近距离连接通信，完成离线状态下交易信息的一系列处理，处理方式简单、便捷，同时解决了离线状态无法完成移动支付的问题，具备高效、安全、便捷的特点。

Description

一种基于区块链的离线支付方法、装置、设备和存储介质
本申请要求于2018年10月29日提交中国专利局、申请号为201811265616.6、发明名称为“一种基于区块链的离线支付方法、装置、设备和存储介质”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
本申请涉及移动支付领域，特别涉及一种基于区块链的离线支付方法、装置、设备和存储介质。
背景技术
移动支付以便捷、简单的操作方式快速风靡支付市场，不仅打破传统的支付模式，更是给金融业、服务业等各领域带来了翻天覆地的变化。越来越多的单位和个人通过移动终端、互联网等方式直接或间接向银行金融机构发送支付指令产生货币支付与资金转移行为，从而实现了无现金生活、办公的快速便捷，但是由于移动支付必须建立在互联网的基础上完成交易，这就给网络信号受限的地区带来了极大的不便，也降低了支付成功的几率，给用户带来了诸多困扰。
目前市面上绝大多数的移动支付多采用在线支付的方式完成，无法满足无网络状态下的支付交易，而且无网络状态下经常会造成支付失败、重复支付、支付信息无法匹配等情况的发生，给用户造成了诸多不便。
发明内容
基于此，有必要针对无网络状态下经常会造成支付失败、重复支付、支付信息无法匹配等问题，提供一种基于区块链的离线支付方法、装置、设备和存储介质。
一种基于区块链的离线支付方法，包括：
当收款终端或付款终端中至少一个处于离线状态时，所述收款终端与所述付款终端建立连接进行通信；
所述付款终端接收所述收款终端发送的支付数据和收款账户信息；
所述付款终端依据所述支付数据和所述收款账户信息验证交易信息，所述付款终端依据所述交易信息验证结果完成支付处理并将支付结果和付款账户信息反馈至所述收款终端；
所述收款终端依据所述支付结果和所述付款账户信息生成账单信息，并将所述账单信息发送至所述付款终端；
当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息生成交易区块，将所述交易区块在区块链系统中上链，形成新的区块链。
基于相同的技术构思，本申请还提供了一种基于区块链的离线支付装置，包括：
通信建立模块，设置为当收款终端或付款终端中至少一个处于离线状态时，所述收款终端与所述付款终端建立连接进行通信；
支付接收模块，设置为所述付款终端接收所述收款终端发送的支付数据和收款账户信息；
验证支付模块，设置为所述付款终端依据所述支付数据和所述收款账户信息验证交易信息，所述付款终端依据所述交易信息验证结果完成支付处理并将支付结果和付款账户信息反馈至所述收款终端；
账单生成模块，设置为所述收款终端依据所述支付结果和所述付款账户信息生成账单信息，并将所述账单信息发送至所述付款终端；
区块上链模块，设置为当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息成交易区块，将所述交易区块在区块链系统中上链，形成新的区块链。
基于相同的构思，本申请还提供一种计算机设备，包括存储器和处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述处理器执行以下步骤：
当收款终端或付款终端中至少一个处于离线状态时，所述收款终端与所述付款终端建立连接进行通信；
所述付款终端接收所述收款终端发送的支付数据和收款账户信息；
所述付款终端依据所述支付数据和所述收款账户信息验证交易信息，所述付款终端依据所述交易信息验证结果完成支付处理并将支付结果和付款账户信息反馈至所述收款终端；
所述收款终端依据所述支付结果和所述付款账户信息生成账单信息，并将所述账单信息发送至所述付款终端；
当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息生成交易区块，将所述交易区块在区块链系统中上链，形成新的区块链。
基于相同的构思，本申请还提供一种存储有计算机可读指令的存储介质，所述计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：
当收款终端或付款终端中至少一个处于离线状态时，所述收款终端与所述付款终端建立连接进行通信；
所述付款终端接收所述收款终端发送的支付数据和收款账户信息；
所述付款终端依据所述支付数据和所述收款账户信息验证交易信息，所述付款终端依据所述交易信息验证结果完成支付处理并将支付结果和付款账户信息反馈至所述收款终端；
所述收款终端依据所述支付结果和所述付款账户信息生成账单信息，并将所述账单信息发送至所述付款终端；
当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息生成交易区块，将所述交易区块在区块链系统中上链，形成新的区块链。
上述一种基于区块链的离线支付方法、装置、设备和存储介质，通过建立离线状态近距离通信，接收支付数据和收款账户信息，完成离线状态下交易账单的处理，同时将账单信息、收款账户信息、付款账户信息上传至区块链系统，完成离线状态下的移动支付。本申请完成了离线状态下移动支付的顺利开展，保障了移动支付在无网络情况的正常进行，简单、便捷、易操作，不仅解决了移动支付的历史难题，更给用户的便捷生活提供了安全保障，避免了支付失败、 重复支付的情况发生。
附图说明
通过阅读下文优选实施方式的详细描述，各种其他的优点和益处对于本领域普通技术人员将变得清楚明了。附图仅用于示出优选实施方式的目的，而并不认为是对本申请的限制。
图1为本申请一个实施例中一种基于区块链的离线支付方法的流程图；
图2为本申请一个实施例中步骤S3验证支付的流程图；
图3为本申请一个实施例中步骤S5区块上链的流程图；
图4为本申请一个实施例中步骤S6广播更新的流程图；
图5为本申请一个实施例中一种基于区块链的离线支付装置的示意图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本技术领域技术人员可以理解，除非特意声明，这里使用的单数形式“一”、“一个”、“所述”和“该”也可包括复数形式。应该进一步理解的是，本申请的说明书中使用的措辞“包括”是指存在所述特征、整数、步骤、操作、元件和/或组件，但是并不排除存在或添加一个或多个其他特征、整数、步骤、操作、元件、组件和/或它们的组。
图1为本申请一种基于区块链的离线支付方法的流程图，如图1所示，一种基于区块链的离线支付方法，包括以下步骤：
步骤S1，通信建立：当收款终端或付款终端中至少一个处于离线状态时，所述收款终端与所述付款终端建立连接进行通信。
本步骤是在收款终端或付款终端存在至少一个处于离线状态的情况下实施的，包括所述收款终端或所述付款终端同时处于离线状态的情况，具体通信连接的方法选用：NFC近距离无线传输或蓝牙连接。
近距离通信，是一种新兴的技术，使用了NFC技术的设备，例如手机、平 板等可以在彼此靠近的情况下进行数据交换，是由非接触式射频识别及互连互通技术整合演变而来，通过在单一芯片上集成感应式读卡器、感应式卡片和点对点通信的功能，利用移动终端实现移动支付、电子票务、门禁、移动身份识别、防伪等应用，可以用于网络断开，终端处于离线状态下数据的传输。
在具体设计时，例如在乘坐公交或地铁时，手机终端利用NFC功能，不管是否处于在线状态，均可以完成移动支付，目前常见的应用终端：Apple Pay、华为支付、小米移动钱包。
本实施例通过采用非接触式近距离传输，实现了离线状态下支付的进行，补全了移动支付处于离线状态下的短板，同时简单、易操作，使用方式灵活、高效。
步骤S2，支付接收：所述付款终端接收所述收款终端发送的支付数据和收款账户信息。
在具体设计时，假如超市购物使用移动支付，当超市收银员收款时，使用扫描枪扫描顾客移动终端的二维码或条形码后，收款终端就会将支付数据和收款账户信息传送给付款终端。
本实施例采用移动支付，大大提高了收银的效率，降低了交易成本，促进了无现金支付的快速发展，使人们的生活更加便捷，也带动了传统交易方式的转型升级。
步骤S3，验证支付：所述付款终端依据所述支付数据和所述收款账户信息验证交易信息，所述付款终端依据所述交易信息验证结果完成支付处理并将支付结果和付款账户信息反馈至所述收款终端。
在实施本步骤之前需要确保交易信息的合法性，因此所述收款终端和所述付款终端必须为实名认证终端。
当所述付款终端或所述收款终端初次使用时，通过预设的实名认证界面获取用户上传的实名认证信息，完成实名认证，所述实名认证信息包括但不限于所述用户身份证明、终端名称、所述用户指纹信息、支付账号信息或支付协议中的至少一种。
已实名认证的收款终端和付款终端可进行移动支付，图2为本申请一个实施例中步骤S3验证支付的流程图，如图2所示，步骤S3可包括如下具体步骤：
步骤S301，支付反馈：所述付款终端接收所述支付数据和所述收款账户信息并显示在所述付款终端的信息确认界面上；
步骤S302，验证处理：所述付款终端提请用户验证所述支付数据与所述收款账户是否一致，当接收到所述用户反馈验证一致时，所述付款终端完成支付处理并反馈支付结果至所述收款终端，当接收到所述用户反馈验证不一致时，所述付款终端拒绝支付并将支付失败反馈至所述收款终端。
本步骤在所述付款终端设置显示屏，用于由用户查看具体所述支付数据和所述收款账户信息，具体可选用LED显示屏、多触点触摸屏、液晶显示屏等。具体能否完成交易需要经用户查看后给出所述付款设备确认信息，所述付款设备依据确认后反馈的信息进行支付。
在具体设计时，当超市购物扫描支付时，支付数据和收款账户信息都会在用户的手机终端显示，用户在手机终端可查看具体的交易信息，确认无误后方可完成交易。
本实施例实施过程必须是在终端已经实名认证的情况下进行，保障了信息的可追溯性，同时将支付信息显性化，由用户确认后方可完成交易，保障了用户的知情权和合法权益，给移动支付提供了双重安全保障。
步骤S4，账单生成：所述收款终端依据所述支付结果和所述付款账户信息生成账单信息，并将所述账单信息发送至所述付款终端。
本步骤在已完成支付的基础上将已经完成的交易数据进行整理，将具体的支付内容、支付数据、付款账户信息和收款账户信息统一为一张账单，发送至付款终端作为核对和收款凭证。
在具体设计时，使用移动支付的终端，比如支付宝、微信、银联支付等客户端均可以看到已完成交易的具体详情，用户可直接在客户端查看交易记录。
本实施例将具体交易内容做电子化处理，便于用户随时查看消费信息，同时若用户固定使用某些支付客户端，可详细了解个人的使用习惯和交易详情，便于用户合理安排个人的资金周转。
步骤S5，区块上链：当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息生成交易区块，将所述交易区块在区块链系统中上链， 形成新的区块链。
区块链系统是一个分布式的链接账本，每一个账本就是一个区块，区块是很多交易数据的集合，它被标记上时间戳和之前一个区块的独特标记，有效的区块获得全网络的共识认可后会被追加到主区块链中，区块链是有包含交易信息的区块从后向前有序链接的数据结构。
图3为本申请一个实施例中步骤S5区块生成的流程图，如图3所示，在一个实施例中，步骤S5可包括如下具体步骤：
步骤S501，数据上传：当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息、所述收款账户信息上传至区块链系统中的离线支付交易节点。
步骤S502，哈希值计算：所述离线交易节点依据所述账单信息、所述付款账户信息、所述收款账户信息计算目标哈希值。
哈希值又称“散列”，是把任意长度的输入通过散列算法变换成固定长度的输出，该输出就是散列值。这种转换是一种压缩映射，哈希值简单地理解成是一段数据的DNA，或者身份证，通过一定的哈希算法，将一段较长的数据映射为较短小的数据，这段小数据就是大数据的哈希值。哈希值是唯一的，一旦大数据发生了变化，哪怕是一个微小的变化，哈希值也会发生变化，保证了没有两个数据的哈希值是完全相同的。正是因为这样的特点，哈希值常常用来区分两个不同的文件，以哈希函数为基础构造的哈希算法，常用于实现数据完整性和实体认证，同时也构成多种密码体制和协议的安全保障。本步骤通过计算哈希值将离线交易节点区分开，是作为节点区分的标记。
本实施例有效利用哈希值算法将离线交易节点区分，避免了不同区块出现重复的可能性，保证了数据区块的唯一性了，避免了数据的混淆，也保证了数据的安全性。
步骤S503，区块生成：所述离线支付交易节点引用区块链记录列表中前一区块的哈希值，将所述前一区块的哈希值、时间戳、所述目标哈希值生成区块头，将所述账单信息、所述支付账户信息、所述收款账户信息生成区块体，所述区块头和所述区块体形成交易区块。
区块链系统中每一个数据区块一般包含区块头和区块体两部分，区块头中 封装了前一区块的哈希值、时间戳、随机数、当前区块的目标哈希值等信息，区块体则包含交易详情。区块的数据如果没有上链，百分之百就是伪区块链项目，只有将区块的内容上传至区块链系统，才能实现区块链系统的链接，实现数据资源的共享和使用，也更能发挥区块链系统的信用价值。
本实施例采用区块链技术记录交易信息，具备颠覆性的价值，由于区块链技术是参与方之间通过共享共识的方式建立的公共账本，因此区块链中的信息天然就是参与方认可的、唯一的、可溯源、不可篡改的信息源，原来许多重复验证的流程和操纵就可以简化，提升了效率；基于区块链的交易同时与传统交易需要信任交易对手不同，区块链技术可以使用智能合约等方式，保证交易多方自动完成相应义务，确保交易安全，从而降低对手的信用风险；区块链技术可以实现实时的交易结算和清算，减少时间，提高效率。
图4为本申请一个实施例中步骤S6广播更新的流程图，如图4所示，在一个实施例中，步骤S6可包括如下具体步骤：
步骤S601，区块广播：所述离线交易节点将已上链的所述交易区块在所述区块链系统中广播。
步骤S602，列表更新：所述区块链系统中的各节点将所述交易区块的记录信息更新至自身节点的区块链记录列表中。
针对已完成数据存储的区块，将区块之间是实现互联互通，与互联网一样，实现各区块的链接，从而形成大的区块链网络。区块链广播是建立在点与点之间存在互通的基础上的，在区块链系统中，每个节点会记住它最近成功链接的网络节点，当重新启动后它可以迅速地与先前的对等节点重新建立链接，当出现新的链接或失去已有链接时，节点会建立一个或多个新的链接，节点也将一条包含自身IP地址消息发送给其相邻节点，相邻节点会再将此消息依次转发给它们各自的相邻节点，从而保证节点信息被多个节点所接收、保证链接更稳定。本步骤中节点就是在交易区块成功链接区块链网络的基础上成功将消息发送至链接的节点，再通过已完成链接的节点传送给其他节点，实现信息的广播。
本实施例将交易信息在区块链系统中进行公开，由于区块链技术可以更好地将所有交易和智能合约进行实时监控，并且以不可撤销、不可抵赖、不可篡改方式留存，方便监管机构实现实时监控和监管，也方便参与方实现自动化合 规处理，从而提升透明度，实现了更高效地实时监管，避免了欺诈行为。
步骤S5，所述交易区块在所述区块链系统中上链的过程还包括以下两种情况：
当所述收款终端在线时，将所述交易区块上链至所述区块链系统中的收款侧链；
当所述付款终端在线时，将所述交易区块上链至所述区块链系统中的付款侧链。
从链与链的关系，区块链可以分为主链和侧链，本步骤中依据收款终端和付款终端上链的节点不同，将区块链分为了收款侧链和付款侧链，不同的上传节点上传的侧链也不同。侧链之间设有防火墙，一条侧链上的数据或上传节点的错误造成链上资产的丢失或增加不会影响到另一条链上的资产的丢失或增加，即使在资产的转移过程中发生区块链的重组，也不会出现问题，任何因区块链重组造成的终端，局限在本条侧链上不会影响其他区块链，通常侧链之间能相互独立，用户可以从其他链条提供数据。
本实施例将区块链中的数据通过侧链的方式区分开，有效降低因数据错误或节点上传错误导致大面积区块重组的成本，同时可以将数据从不同的侧链之间进行区分备份，防止了数据的和资产的丢失。
本申请基于区块链建立离线支付系统，在于能够以非常低的成本解决网络交易的身份识别和个人征信问题，以及使用点对点的交易避免了传统集中式的清算结构，从而能够大大提高金融系统甚至整个经济体系的运行效率，创造性地使用技术地方式为交易双方建立信用，而无需第三方机构参与，从而极大地降低了交易成本，也降低了价值交换地信用成本。
在一个实施例中，提出了一种基于区块链的离线支付装置，如图5所示，其包括：
通信建立模块，设置为当收款终端或付款终端中至少一个处于离线状态时，所述收款终端与所述付款终端建立连接进行通信；
支付接收模块，设置为所述付款终端接收所述收款终端发送的支付数据和收款账户信息；
验证支付模块，设置为所述付款终端依据所述支付数据和所述收款账户信 息验证交易信息，所述付款终端依据所述交易信息验证结果完成支付处理并将支付结果和付款账户信息反馈至所述收款终端；
账单生成模块，设置为所述收款终端依据所述支付结果和所述付款账户信息生成账单信息，并将所述账单信息发送至所述付款终端；
区块生成模块，设置为当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息成交易区块，将所述交易区块在区块链系统中上链，形成新的区块链。
在一个实施例中，所述通信建立模块的所述收款终端与所述付款终端之间采用的连接方式为NFC近距离无线传输或蓝牙连接。
在一个实施例中，一种基于区块链的离线支付装置，还包括：
实名认证模块，设置为当所述付款终端或所述收款终端初次使用时，通过预设的实名认证界面获取用户上传的实名认证信息，完成实名认证，所述实名认证信息包括但不限于所述用户身份证明、终端名称、所述用户指纹信息、支付账号信息或支付协议中的至少一种。
在一个实施例中，所述验证支付模块，包括：
信息展示单元，设置为所述付款终端接收所述支付数据和所述收款账户信息并显示在所述付款终端的信息确认界面上；
账户验证单元，设置为所述付款终端提请用户验证所述支付数据与所述收款账户是否一致，当接收到所述用户反馈验证一致时，所述付款终端完成支付处理并反馈支付结果至所述收款终端，当接收到所述用户反馈验证不一致时，所述付款终端拒绝支付并将支付失败反馈至所述收款终端。
在一个实施例中，所述区块上链模块，包括：
信息上传单元，设置为当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息、所述收款账户信息上传至区块链系统中的离线支付交易节点；
哈希值计算单元，设置为所述离线交易节点依据所述账单信息、所述付款账户信息、所述收款账户信息计算目标哈希值；
区块形成单元，设置为所述离线支付交易节点引用区块链记录列表中前一 区块的哈希值，将所述前一区块的哈希值、时间戳、所述目标哈希值生成区块头，将所述账单信息、所述支付账户信息、所述收款账户信息生成区块体，所述区块头和所述区块体形成交易区块。
在一个实施例中，一种基于区块链的离线支付装置，还包括：
区块广播模块，设置为所述离线交易节点将已上链的所述交易区块在所述区块链系统中广播；
列表更新模块，设置为所述区块链系统中的各节点将所述交易区块的记录信息更新至自身节点的区块链记录列表中。
在一个实施例中，所述区块上链模块，还包括：
收款侧链上链单元，设置为当所述收款终端在线时，将所述交易区块上链至所述区块链系统中的收款侧链；
付款侧链上链单元，设置为当所述付款终端在线时，将所述交易区块上链至所述区块链系统中的付款侧链。
在一个实施例中，提出了一种计算机设备，包括存储器和处理器，存储器中存储有计算机可读指令，计算机可读指令被处理器执行时，使得处理器执行计算机可读指令时实现上述各实施例里一种基于区块链的离线支付方法中的步骤。
在一个实施例中，提出了一种存储有计算机可读指令的存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行上述各实施例里一种基于区块链的离线支付方法中的步骤。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机程序来指令相关的硬件来完成，该计算机程序可存储于一计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，前述的存储介质可为磁碟、光盘、只读存储记忆体(ReA/D-Only Memory，ROM)等非易失性存储介质，或随机存储记忆体(Random Access Memory，RAM)等。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对本申请专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种基于区块链的离线支付方法，包括：
    当收款终端或付款终端中至少一个处于离线状态时，所述收款终端与所述付款终端建立连接进行通信；
    所述付款终端接收所述收款终端发送的支付数据和收款账户信息；
    所述付款终端依据所述支付数据和所述收款账户信息验证交易信息，所述付款终端依据所述交易信息验证结果完成支付处理并将支付结果和付款账户信息反馈至所述收款终端；
    所述收款终端依据所述支付结果和所述付款账户信息生成账单信息，并将所述账单信息发送至所述付款终端；
    当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息生成交易区块，将所述交易区块在区块链系统中上链，形成新的区块链。
  2. 如权利要求1所述的一种基于区块链的离线支付方法，其中，所述收款终端与所述付款终端之间采用的连接方式为NFC近距离无线传输或蓝牙连接。
  3. 如权利要求1所述的一种基于区块链的离线支付方法，其中，还包括：
    当所述付款终端或所述收款终端初次使用时，通过预设的实名认证界面获取用户上传的实名认证信息，完成实名认证，所述实名认证信息包括但不限于所述用户身份证明、终端名称、所述用户指纹信息、支付账号信息或支付协议中的至少一种。
  4. 如权利要求1所述的一种基于区块链的离线支付方法，其中，所述付款终端依据所述支付数据和所述收款账户信息验证交易信息，所述付款终端依据所述交易信息验证结果完成支付处理并将支付结果反馈至所述收款终端，包括：
    所述付款终端接收所述支付数据和所述收款账户信息并显示在所述付款终端的信息确认界面上；
    所述付款终端提请用户验证所述支付数据与所述收款账户是否一致，当接收到所述用户反馈验证一致时，所述付款终端完成支付处理并反馈支付结 果至所述收款终端，当接收到所述用户反馈验证不一致时，所述付款终端拒绝支付并将支付失败反馈至所述收款终端。
  5. 如权利要求1所述的一种基于区块链的离线支付方法，其中，当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息生成交易区块，将所述交易区块在区块链系统中上链，形成新的区块链，包括：
    当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息、所述收款账户信息上传至区块链系统中的离线支付交易节点；
    所述离线交易节点依据所述账单信息、所述付款账户信息、所述收款账户信息计算目标哈希值；
    所述离线支付交易节点引用区块链记录列表中前一区块的哈希值，将所述前一区块的哈希值、时间戳、所述目标哈希值生成区块头，将所述账单信息、所述支付账户信息、所述收款账户信息生成区块体，所述区块头和所述区块体形成交易区块。
  6. 如权利要求5所述的一种基于区块链的离线支付方法，其中，还包括：
    所述离线交易节点将已上链的所述交易区块在所述区块链系统中广播；
    所述区块链系统中的各节点将所述交易区块的记录信息更新至自身节点的区块链记录列表中。
  7. 如权利要求5所述的一种基于区块链的离线支付方法，其中，所述当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息生成交易区块，将所述交易区块在区块链系统中上链，形成新的区块链，还包括：
    当所述收款终端在线时，将所述交易区块上链至所述区块链系统中的收款侧链；
    当所述付款终端在线时，将所述交易区块上链至所述区块链系统中的付款侧链。
  8. 一种基于区块链的离线支付装置，包括：
    通信建立模块，设置为当收款终端或付款终端中至少一个处于离线状态时，所述收款终端与所述付款终端建立连接进行通信；
    支付接收模块，设置为所述付款终端接收所述收款终端发送的支付数据和收款账户信息；
    验证支付模块，设置为所述付款终端依据所述支付数据和所述收款账户信息验证交易信息，所述付款终端依据所述交易信息验证结果完成支付处理并将支付结果和付款账户信息反馈至所述收款终端；
    账单生成模块，设置为所述收款终端依据所述支付结果和所述付款账户信息生成账单信息，并将所述账单信息发送至所述付款终端；
    区块上链模块，设置为当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息成交易区块，将所述交易区块在区块链系统中上链，形成新的区块链。
  9. 根据权利要求8所述的一种基于区块链的离线支付装置，其中，所述通信建立模块的所述收款终端与所述付款终端之间采用的连接方式为NFC近距离无线传输或蓝牙连接。
  10. 根据权利要求8所述的一种基于区块链的离线支付装置，其中，还包括：
    实名认证模块，设置为当所述付款终端或所述收款终端初次使用时，通过预设的实名认证界面获取用户上传的实名认证信息，完成实名认证，所述实名认证信息包括但不限于所述用户身份证明、终端名称、所述用户指纹信息、支付账号信息或支付协议中的至少一种。
  11. 根据权利要求8所述的一种基于区块链的离线支付装置，其中，所述验证支付模块，包括：
    支付反馈单元，设置为所述付款终端接收所述支付数据和所述收款账户信息并显示在所述付款终端的信息确认界面上；
    验证处理单元，设置为所述付款终端提请用户验证所述支付数据与所述收款账户是否一致，当接收到所述用户反馈验证一致时，所述付款终端完成 支付处理并反馈支付结果至所述收款终端，当接收到所述用户反馈验证不一致时，所述付款终端拒绝支付并将支付失败反馈至所述收款终端。
  12. 根据权利要求8所述的一种基于区块链的离线支付装置，其中，所述区块上链模块，包括：
    数据上传单元，设置为当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息、所述收款账户信息上传至区块链系统中的离线支付交易节点；
    哈希值计算单元，设置为所述离线交易节点依据所述账单信息、所述付款账户信息、所述收款账户信息计算目标哈希值；
    区块生成单元，设置为所述离线支付交易节点引用区块链记录列表中前一区块的哈希值，将所述前一区块的哈希值、时间戳、所述目标哈希值生成区块头，将所述账单信息、所述支付账户信息、所述收款账户信息生成区块体，所述区块头和所述区块体形成交易区块。
  13. 根据权利要求12所述的一种基于区块链的离线支付装置，其中，还包括：
    区块广播模块，设置为所述离线交易节点将已上链的所述交易区块在所述区块链系统中广播；
    列表更新模块，设置为所述区块链系统中的各节点将所述交易区块的记录信息更新至自身节点的区块链记录列表中。
  14. 根据权利要求12所述的一种基于区块链的离线支付装置，其中，所述区块上链模块，还包括：
    收款侧链上链单元，设置为当所述收款终端在线时，将所述交易区块上链至所述区块链系统中的收款侧链；
    付款侧链上链单元，设置为当所述付款终端在线时，将所述交易区块上链至所述区块链系统中的付款侧链。
  15. 一种计算机设备，包括存储器和处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述处理器执行以下步骤：
    当收款终端或付款终端中至少一个处于离线状态时，所述收款终端与所述付款终端建立连接进行通信；
    所述付款终端接收所述收款终端发送的支付数据和收款账户信息；
    所述付款终端依据所述支付数据和所述收款账户信息验证交易信息，所述付款终端依据所述交易信息验证结果完成支付处理并将支付结果和付款账户信息反馈至所述收款终端；
    所述收款终端依据所述支付结果和所述付款账户信息生成账单信息，并将所述账单信息发送至所述付款终端；
    当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息生成交易区块，将所述交易区块在区块链系统中上链，形成新的区块链。
  16. 根据权利要求15所述的计算机设备，其中，所述付款终端依据所述支付数据和所述收款账户信息验证交易信息，所述付款终端依据所述交易信息验证结果完成支付处理并将支付结果反馈至所述收款终端，使得所述处理器执行以下步骤：
    所述付款终端接收所述支付数据和所述收款账户信息并显示在所述付款终端的信息确认界面上；
    所述付款终端提请用户验证所述支付数据与所述收款账户是否一致，当接收到所述用户反馈验证一致时，所述付款终端完成支付处理并反馈支付结果至所述收款终端，当接收到所述用户反馈验证不一致时，所述付款终端拒绝支付并将支付失败反馈至所述收款终端。
  17. 根据权利要求15所述的计算机设备，其中，当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息生成交易区块，将所述交易区块在区块链系统中上链，形成新的区块链，使得所述处理器执行以下步骤：
    当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息、所述收 款账户信息上传至区块链系统中的离线支付交易节点；
    所述离线交易节点依据所述账单信息、所述付款账户信息、所述收款账户信息计算目标哈希值；
    所述离线支付交易节点引用区块链记录列表中前一区块的哈希值，将所述前一区块的哈希值、时间戳、所述目标哈希值生成区块头，将所述账单信息、所述支付账户信息、所述收款账户信息生成区块体，所述区块头和所述区块体形成交易区块。
  18. 一种存储有计算机可读指令的存储介质，所述计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：
    当收款终端或付款终端中至少一个处于离线状态时，所述收款终端与所述付款终端建立连接进行通信；
    所述付款终端接收所述收款终端发送的支付数据和收款账户信息；
    所述付款终端依据所述支付数据和所述收款账户信息验证交易信息，所述付款终端依据所述交易信息验证结果完成支付处理并将支付结果和付款账户信息反馈至所述收款终端；
    所述收款终端依据所述支付结果和所述付款账户信息生成账单信息，并将所述账单信息发送至所述付款终端；
    当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息生成交易区块，将所述交易区块在区块链系统中上链，形成新的区块链。
  19. 根据权利要求18所述的存储介质，其中，所述付款终端依据所述支付数据和所述收款账户信息验证交易信息，所述付款终端依据所述交易信息验证结果完成支付处理并将支付结果反馈至所述收款终端，使得一个或多个所述处理器执行以下步骤：
    所述付款终端接收所述支付数据和所述收款账户信息并显示在所述付款终端的信息确认界面上；
    所述付款终端提请用户验证所述支付数据与所述收款账户是否一致，当接收到所述用户反馈验证一致时，所述付款终端完成支付处理并反馈支付结 果至所述收款终端，当接收到所述用户反馈验证不一致时，所述付款终端拒绝支付并将支付失败反馈至所述收款终端。
  20. 根据权利要求18所述的存储介质，其中，当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息和所述收款账户信息生成交易区块，将所述交易区块在区块链系统中上链，形成新的区块链，使得一个或多个所述处理器执行以下步骤：
    当所述收款终端或所述付款终端任一处于在线状态时，处于在线状态的所述收款终端或所述付款终端将所述账单信息、所述付款账户信息、所述收款账户信息上传至区块链系统中的离线支付交易节点；
    所述离线交易节点依据所述账单信息、所述付款账户信息、所述收款账户信息计算目标哈希值；
    所述离线支付交易节点引用区块链记录列表中前一区块的哈希值，将所述前一区块的哈希值、时间戳、所述目标哈希值生成区块头，将所述账单信息、所述支付账户信息、所述收款账户信息生成区块体，所述区块头和所述区块体形成交易区块。
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