WO2020103559A1 - 离线场景下的支付处理方法、服务器及可读存储介质 - Google Patents

离线场景下的支付处理方法、服务器及可读存储介质

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Publication number
WO2020103559A1
WO2020103559A1 PCT/CN2019/106949 CN2019106949W WO2020103559A1 WO 2020103559 A1 WO2020103559 A1 WO 2020103559A1 CN 2019106949 W CN2019106949 W CN 2019106949W WO 2020103559 A1 WO2020103559 A1 WO 2020103559A1
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WO
WIPO (PCT)
Prior art keywords
payment
amount
deduction
offline
server
Prior art date
Application number
PCT/CN2019/106949
Other languages
English (en)
French (fr)
Inventor
饶凯莉
Original Assignee
阿里巴巴集团控股有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 阿里巴巴集团控股有限公司 filed Critical 阿里巴巴集团控股有限公司
Priority to SG11202100893VA priority Critical patent/SG11202100893VA/en
Priority to EP19887314.3A priority patent/EP3816909A4/en
Publication of WO2020103559A1 publication Critical patent/WO2020103559A1/zh
Priority to US17/166,767 priority patent/US11410150B2/en
Priority to US17/842,655 priority patent/US11727381B2/en

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    • 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
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    • G06Q20/00—Payment architectures, schemes or protocols
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    • G06—COMPUTING; CALCULATING OR COUNTING
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    • G06Q20/20—Point-of-sale [POS] network systems
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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
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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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    • 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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    • G06K7/10544—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation by scanning of the records by radiation in the optical part of the electromagnetic spectrum
    • G06K7/10821—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation by scanning of the records by radiation in the optical part of the electromagnetic spectrum further details of bar or optical code scanning devices
    • G06K7/1095—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation by scanning of the records by radiation in the optical part of the electromagnetic spectrum further details of bar or optical code scanning devices the scanner comprising adaptations for scanning a record carrier that is displayed on a display-screen or the like
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
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    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/14—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
    • G06K7/1404—Methods for optical code recognition
    • G06K7/1408—Methods for optical code recognition the method being specifically adapted for the type of code
    • G06K7/1417—2D bar codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices

Definitions

  • the embodiments of the present specification relate to the technical field of data processing, and in particular, to a payment processing method, a server, and a readable storage medium in an offline scenario.
  • Existing electronic payment usually requires both parties to be online, or the payee party is online to complete the payment, but both parties are offline.
  • the payment cannot be completed.
  • the smart phone carried by the user is offline, and the payee The corresponding payment device is online.
  • the payment device can scan the offline code on the smartphone to complete the payment, but the payment cannot be completed when the smartphone and the payment device are both offline.
  • the first aspect of the embodiments of the present specification provides a payment processing method in an offline scenario, which is applied to a collection terminal and includes:
  • the collection terminal After saving the offline code information and the payment amount, if the collection terminal is online, upload the offline code information and the payment amount to a server, and obtain the offline code information from the server The deduction amount paid in accordance with the said payment amount.
  • the second aspect of the embodiments of the present specification provides a payment processing method in an offline scenario, which is applied to a server and includes:
  • the offline code information is obtained by scanning the offline code generated by the user terminal in the offline state when the payment terminal is in the offline state;
  • the offline code information and the payment amount pay the deduction amount from the corresponding payment account; and put the deduction amount into the payment account corresponding to the payment terminal.
  • the third aspect of the embodiment of the present specification also provides a collection terminal, including:
  • An offline code generating unit configured to scan the offline code generated by the user terminal in an offline state when the payment terminal is in an offline state to obtain offline code information
  • Payment amount acquisition unit used to obtain payment amount
  • An information storage unit for storing the offline code information and the payment amount
  • An information uploading unit is used to upload the offline code information and the payment amount to the server if the payment terminal is online after saving the offline code information and the payment amount;
  • the deduction amount obtaining unit is configured to obtain the deduction amount paid by the server according to the offline code information and the payment amount.
  • a fourth aspect of the embodiments of this specification also provides a server, including:
  • the information receiving unit is used to receive offline code information and payment amount sent from the payment terminal, the offline code information is obtained by scanning the offline code generated by the user terminal in the offline state when the payment terminal is in the offline state;
  • the deduction unit is configured to pay the deduction amount from the corresponding payment account according to the offline code information and the payment amount, and put the deduction amount into the payment account corresponding to the payment terminal.
  • the fifth aspect of the embodiments of the present specification also provides a payment processing system in an offline scenario, including:
  • User terminal used to generate offline code in offline state
  • the collection terminal is used to scan the offline code in an offline state to obtain the offline code information; and obtain the payment amount, and save the offline code information and the payment amount; and save the offline code information and After the payment amount, if the collection terminal is online, upload the offline code information and the payment amount to the server;
  • the server is used to receive the offline code information and the payment amount, according to the offline code information and the payment amount, pay the deduction amount from the corresponding payment account, and put the deduction amount into To the payment account corresponding to the payment terminal.
  • a sixth aspect of the embodiments of the present specification also provides a server, including a memory, a processor, and a computer program stored on the memory and executable on the processor.
  • the processor executes the program, the offline scenario described above is implemented. Steps of payment processing method.
  • the seventh aspect of the embodiments of the present specification further provides a computer-readable storage medium on which a computer program is stored, and when the program is executed by a processor, the steps of the payment processing method in the offline scenario described above.
  • the collection terminal scans the offline code generated by the user terminal in an offline state to obtain offline code information; and obtains the payment amount, and saves the offline code information and the payment amount; and then is online Upload the offline code information and the payment amount, so that after receiving the offline code information and the payment amount, the server pays the deduction from the corresponding payment account according to the offline code information and the payment amount Amount, and put the deduction amount into the payment account corresponding to the payment terminal, so that the effect of the payment function can still be achieved when both the user terminal and the payment terminal are offline.
  • FIG. 1 is an architecture diagram of a payment processing system in an offline scenario in an embodiment of this specification
  • FIG. 2 is a flowchart of a first method of a payment processing method in an offline scenario in an embodiment of this specification
  • FIG. 3 is a flowchart of a second method of a payment processing method in an offline scenario in an embodiment of this specification
  • FIG. 4 is a schematic structural diagram of a payment terminal in an embodiment of this specification.
  • FIG. 5 is a schematic diagram of the module structure of the server in the embodiment of the specification.
  • FIG. 6 is a schematic diagram of the hardware structure of the server in the embodiment of the specification.
  • an embodiment of the present specification provides a payment processing system in an offline scenario, including:
  • the user terminal 100 is used to generate an offline code in an offline state
  • the collection terminal 200 is used to scan the offline code in an offline state to obtain the offline code information; and obtain the payment amount; and save the offline code information and the payment amount; and save the offline code information and the After the payment amount, if the payment terminal 200 is online, upload the offline code information and the payment amount to the server 300;
  • the server 300 is configured to receive the offline code information and the payment amount, pay the deduction amount from the corresponding payment account according to the offline code information and the payment amount, and put the deduction amount into In the payment account corresponding to the payment terminal.
  • the server 300 is used to pay the deduction amount from the corresponding payment account according to the offline code information and the payment amount, which specifically includes: when the server 300 detects that the user terminal 100 is online, it passes Obtaining the first payment account corresponding to the user terminal 100 by the offline code information, detecting whether a deduction channel exists in the first payment account to be able to pay the deduction amount, and if a deduction is detected in the first payment account If the payment channel can pay the deduction amount, the deduction channel in the first payment account is controlled to pay the deduction amount; if it is detected that no deduction channel exists in the first payment account, the deduction amount can be paid Payment amount, the second payment account corresponding to the server 300 is used to pay the deduction amount; and after the second payment account corresponding to the server 300 is used to pay the deduction amount, the payment authority of the first payment account can be controlled Being in a restricted state, and writing arrearage records in the first payment account, the arrearage records including the arrearage amount generated according to the payment amount.
  • the value of the arrearage and the payment amount are the same.
  • the payment amount is 500 yuan
  • the amount of arrears is also 500 yuan.
  • the user terminal 100 may be a mobile device such as a smart phone, smart watch, and tablet computer; further, the payment terminal 200 may be a smart phone, smart watch, tablet computer, desktop computer, notebook computer, and payment device And other electronic devices; further, the server 300 may be electronic devices such as tablet computers, desktop computers, and notebook computers.
  • the server 300 may pre-open a pre-pay and post-pay protocol for the user corresponding to the user terminal 100 according to the user credit corresponding to the user terminal 100.
  • the terminal 100 can generate an offline code in an offline state.
  • the user corresponding to the user terminal 100 may not open the first-for-last-payment protocol.
  • the user terminal 100 may also generate an offline code in an offline state.
  • the user terminal 100 is used to obtain a payment operation in an offline state, and in response to the payment operation, generate the offline code.
  • the user terminal 100 usually obtains a payment operation for a payment function of an application in an offline state, and then generates the offline code in response to the payment operation. For example, after opening an application in an offline state, the user terminal 100 obtains a click operation for a payment button in the application, the click operation is the payment operation, and the offline code is generated in response to the click operation.
  • the offline code is a two-dimensional code generated in an offline state.
  • the offline code includes account information of the first payment account.
  • the offline code may further include a user terminal 100 messages.
  • the offline code may include account information of the first payment account and the mac address of the user terminal 100.
  • the offline code information must include account information of the first payment account.
  • the payment terminal 200 is used to scan the offline code by a scanning device in the payment terminal 200 or an external scanning device to obtain the offline code information; and before scanning the offline code
  • the payment amount to be paid is set in advance, so that the payment amount can be obtained.
  • the collection terminal 200 is used to assemble the offline code information and the payment amount into the collection information when saving the offline code information and the payment amount, and then save the collection information . Since the offline code and the payment amount are corresponding, after assembling the offline code information and the payment amount into the collection information, the offline code information and the payment amount are bound to prevent A situation occurs that the offline code information does not correspond to the payment amount.
  • the collection terminal 200 saves the collection information
  • the collection information is uploaded to the server 300, because the collection information contains The offline code information and the payment amount, so that the payment terminal 200 uploads the offline code information and the payment amount to the server 300.
  • the collection terminal 200 may encrypt and save the offline code information and the payment amount; of course, the collection terminal 200 may also be The payment information is encrypted and stored, so as to reduce the probability that the offline code information and the payment amount are tampered during the storage process, and improve the security performance.
  • the payment terminal 200 is used to encrypt the offline code information and the payment amount using a private key, or to encrypt the payment information using the private key; at this time, the server 300 A public key corresponding to the private key is stored.
  • the encrypted offline code information and the payment amount are uploaded to the server 300; Decrypt the encrypted offline code information and the payment amount with the public key corresponding to the private key, thereby obtaining the offline code information and the payment amount.
  • the server 300 decrypts the encrypted repayment information through the public key corresponding to the private key, thereby obtaining the The offline code information and the payment amount included in the repayment information.
  • the offline state refers to the state when the network is not connected
  • the online state refers to the state when the network is connected
  • the server 300 is configured to use the offline code information to monitor whether the user terminal 100 is online in real time after acquiring the offline code information and the payment amount, and detect that the user terminal 100 is online At this time, the first payment account corresponding to the user terminal 100 is obtained through the offline code information, and it is detected whether there is a deduction channel in the first payment account capable of paying the deduction amount.
  • the user terminal 100 registers the first payment account in the server 300 in advance, so that the server 300 stores the identification of the first payment account and the user terminal 100, so that the server 300 is used to utilize the
  • the offline code information is used to monitor whether the user terminal 100 is online in real time
  • the offline payment information is used to obtain the first payment account
  • the first payment account is used to find the server 300 corresponding to the first payment account.
  • the identifier of the user terminal 100 uses the identifier of the user terminal 100 to monitor whether the user terminal 100 is online in real time, and when it is detected that the user terminal 100 is online, detects whether there is a debit channel in the first payment account that can pay the D.
  • the server 300 stores payment accounts registered by multiple user terminals and corresponding user terminal identifiers, as shown in Table 1 below.
  • the server 300 in the process of detecting whether there is a deduction channel in the first payment account capable of paying the deduction amount, if it is detected that there is a deduction channel in the first payment account, the server 300 can pay the Deduction amount, the deduction channel in the first payment account is controlled to pay the deduction amount; if it is detected that there is no deduction channel in the first payment account capable of paying the deduction amount, the server is used
  • the second payment account corresponding to 300 pays the deduction amount, and controls the payment authority of the first payment account to be in a restricted state, and writes arrearage records in the first payment account.
  • the server 300 may obtain the deduction order of the deduction channel in the first payment account, according to The deduction order sequentially checks whether the corresponding deduction channel can pay the deduction amount; if it is detected for the first time that a deduction channel can pay the deduction amount, the deduction amount is paid through the deduction channel ; If it is detected that all the deduction channels in the first payment account cannot pay the deduction amount, that is, there is no deduction channel in the first payment account capable of paying the deduction amount, use The second payment account corresponding to the server 300 pays the deduction amount, and controls the payment authority of the first payment account to be in a restricted state, and writes arrearage records in the first payment account.
  • the server 300 is used to put the deduction amount into the payment account corresponding to the payment terminal 200 after using the second payment account corresponding to the server 300 to pay the deduction amount, and may also generate Successful payment information, and send the successful payment information to the payment terminal 200; and the server 300 is used to control the deduction channel in the first payment account after the deduction amount is paid, and the The deduction amount is put into the payment account corresponding to the payment terminal 200, and payment success information can also be generated, and the payment success information is sent to the payment terminal 200.
  • the server 300 when the server 300 puts the deduction amount into the payment account corresponding to the payment terminal 200, the payment terminal 200 will carry the payment terminal 200 when uploading the offline code and the payment amount , The server 300 finds the payment account corresponding to the payment terminal 200 according to the identification of the payment terminal 200, so as to put the deducted amount paid into the payment account corresponding to the payment terminal 200.
  • the first payment account includes four deduction channels b1, b2, b3, and b4, and the four deduction channels are b1, b2, b3, and b4 in sequence.
  • To pay the deducted amount first detect whether b1 can pay the deducted amount, if not, continue to detect whether b2 can pay the deducted amount; if b1 can pay the deducted amount, it is determined that the first detection
  • the deduction channel that can pay the deduction amount is b1, and then use b1 to pay the deduction amount; perform the above operations sequentially for b2, b3, and b4, so that it can detect whether there is a deduction in the first payment account
  • the channel can pay the deduction amount.
  • the server 300 detects whether there is a deduction channel in the first payment account capable of paying the deduction amount, if there are multiple deduction channels in the first payment account, it may also use a random method to detect It is stated whether there is a deduction channel in the first payment account capable of paying the deduction amount.
  • the first payment account includes 4 debit channels, b1, b2, b3, and b4, in a random manner
  • the server 300 After receiving the offline code information and the payment amount, the server 300 reads the payment account number of the user terminal 100 from the offline code information as A3, and then the server 300 finds the user corresponding to A3 from Table 1.
  • the identification of the terminal is X2X5, and then use X2X5 to determine the corresponding user terminal is the user terminal 100, and then monitor whether the user terminal 100 is online according to X2X5 in real time.
  • the payment channel can pay the deduction amount.
  • the order of the deduction channels in A3 is b1, b2, b3, and b4 in sequence, then it is detected whether b1, b2, b3, and b4 can pay the deduction amount in sequence, and if b1 and b2 are detected If it is detected that b3 can pay the deduction amount, the first deduction channel that can pay the deduction amount is b3, then use b3 to pay the deduction amount; if b1 is detected b2, b3 and b4 cannot pay the deduction amount, then use the second payment account corresponding to the server 300 to pay the deduction amount, put the deduction amount into the payment account of the collection terminal 200, and control A3's payment authority is in a restricted state, and arrears records are written in A3.
  • the user corresponding to the user terminal in the offline state can also enjoy various services, such as ride-hailing service, shopping service and shared bicycle riding service, etc., which is more convenient for users to use.
  • the server 300 is used to generate a fund recovery task after writing arrearage records in the first payment account.
  • the server 300 is used to generate repayment guide information and send the repayment when it is detected that the user terminal 100 is online after the arrearage record is written in the first payment account
  • the guidance information is given to the user terminal 100 to display the repayment guidance information on the user terminal 100.
  • the repayment guidance information is guidance information for performing a repayment operation, for example, it may be guidance information for performing a repayment operation such as binding a bank card, recharging, and transferring.
  • the server 300 after the server 300 is used to send repayment guidance information to the user terminal 100, it is monitored in real time whether the user terminal 100 has performed a repayment operation, and when the user terminal 100 has performed a repayment operation, the The fund recovery task, control the payment channel corresponding to the repayment operation to pay the deduction amount, and put the deduction amount into the payment account corresponding to the collection terminal 200; at this time, the collection can be generated Success information, and send the collection success information to the collection terminal 200; of course, it is also possible to generate the payment deduction success information, and send the payment deduction success information to the user terminal 100.
  • the restricted state refers to a state in which a payment account cannot perform payments
  • the unrestricted state refers to a state in which a payment account can perform payments
  • the server 300 is used to monitor whether the user terminal 100 performs a repayment operation in real time.
  • the user terminal 100 can perform repayment operations such as binding a bank card, recharge, and transfer.
  • the server 300 can monitor the user terminal 100 has bound repayment information corresponding to the repayment operation such as a bank card, recharged, and transferred, so as to monitor whether the user terminal 100 has performed a repayment operation by monitoring the repayment information.
  • the collection terminal 200 scans the offline code generated by the user terminal 100 in the offline state to obtain the offline code information, and obtains the payment amount for scanning, and saves the offline code information and the payment amount; Upload the offline code information and the payment amount, so that after receiving the offline code and the payment amount, the server 300 puts the deduction amount into the payment account corresponding to the payment terminal 200,
  • the effect of the payment function can still be realized when both the user terminal 100 and the payment terminal 200 are offline.
  • the embodiments of the present specification provide a payment processing method in an offline scenario, which is applied to a payment terminal, as shown in FIG. 2, and includes the following steps:
  • S202 Scan the offline code generated by the user terminal in the offline state when the payment terminal is in the offline state to obtain offline code information
  • the service is used to receive the offline code information and the payment amount, and when it is detected that the user terminal is online, obtain the corresponding information of the user terminal through the offline code information
  • a first payment account detecting whether there is a deduction channel in the first payment account capable of paying the deduction amount, and if it is detected that there is a deduction channel in the first payment account capable of paying the deduction amount, controlling The deduction channel in the first payment account pays the deduction amount, and then puts the deduction amount into the payment account corresponding to the collection terminal, and then obtains the server according to the offline code Information and the payment amount and the deduction amount paid; if it is detected that there is no deduction channel in the first payment account capable of paying the deduction amount, the second payment account corresponding to the server is used to pay the deduction amount The deduction amount, and then put the deduction amount into the payment account corresponding to the collection terminal, and then obtain the deduction amount paid by the server according to the offline code information and the payment amount; So that the payment amount and the deduction amount have the same value.
  • the saving the offline code information and the payment amount specifically includes:
  • the uploading of the offline code information and the payment amount to a server specifically includes:
  • the embodiments of the present specification provide a payment processing method in an offline scenario, which is applied to a server, as shown in FIG. 3, and includes the following steps:
  • the offline code information is obtained by scanning the offline code generated by the user terminal in the offline state when the payment terminal is in the offline state;
  • the payment of the deduction amount from the corresponding payment account according to the offline code information and the payment amount specifically includes:
  • the first payment account corresponding to the user terminal is acquired through the offline code information, and it is detected whether a deduction channel exists in the first payment account to be able to pay the deduction Payment amount
  • the deduction channel in the first payment account is controlled to pay the deduction amount; if the first payment is detected If there is no deduction channel in the account that can pay the deduction amount, the second deduction amount corresponding to the server is used to pay the deduction amount.
  • the method further includes:
  • the detecting whether there is a deduction channel in the first payment account capable of paying the deduction amount specifically includes:
  • the method further includes:
  • the method further includes:
  • the generated repayment guidance information is sent to the user terminal.
  • the method further includes:
  • the fund recovery task is triggered, and the payment channel corresponding to the repayment operation is controlled to pay the deduction amount.
  • an embodiment of this specification provides a payment terminal, as shown in FIG. 4, including:
  • the offline code generating unit 401 is configured to scan the offline code generated by the user terminal in the offline state when the payment terminal is in the offline state to obtain offline code information;
  • the payment amount obtaining unit 402 is used to obtain the payment amount
  • the information saving unit 403 is used to save the offline code information and the payment amount
  • the information uploading unit 404 is configured to upload the offline code information and the payment amount to the server if the payment terminal is online after saving the offline code information and the payment amount;
  • the deduction amount obtaining unit 405 is configured to obtain the deduction amount paid by the server according to the offline code information and the payment amount.
  • the information saving unit 403 is specifically configured to assemble the offline code information and the payment amount into collection information and save it.
  • the information uploading unit 404 is specifically configured to upload the payment information to the server.
  • an embodiment of this specification provides a server, as shown in FIG. 5, including:
  • the information receiving unit 501 is used to receive offline code information and payment amount sent from the payment terminal, the offline code information is obtained by scanning the offline code generated by the user terminal in the offline state when the payment terminal is in the offline state ;
  • the deduction unit 502 is used to pay the deduction amount from the corresponding payment account according to the offline code information and the payment amount, and put the deduction amount into the payment account corresponding to the payment terminal .
  • the deduction unit includes:
  • the deduction detection subunit is used to obtain the first payment account corresponding to the user terminal through the offline code information when detecting that the user terminal is online, and detect whether the first payment account exists
  • the deduction channel can pay the deduction amount
  • the deduction detection subunit is specifically used to obtain the deduction order of the deduction channel in the first payment account, and sequentially detect whether the corresponding deduction channel is based on the deduction order The deduction amount can be paid.
  • the server further includes:
  • An account control unit configured to control the payment authority of the first payment account to be in a restricted state after using the second payment account corresponding to the server to pay the deduction amount;
  • the data writing unit is configured to write arrearage records in the first payment account, and the arrearage records include the arrearage amount generated according to the payment amount.
  • the server further includes:
  • a fund recovery task generating unit is used to generate a fund recovery task after writing arrearage records in the first payment account.
  • the server further includes:
  • the repayment guidance information sending unit is configured to send the generated repayment guidance information to the user terminal after it is detected that the user terminal is online after the arrearage record is written in the first payment account.
  • the server further includes:
  • a repayment monitoring unit configured to monitor whether the user terminal has performed a repayment operation in real time after sending the generated repayment guidance information to the user terminal;
  • the fund recovery unit is configured to trigger the fund recovery task and control the payment channel corresponding to the repayment operation to pay the deduction amount when it is detected that the user terminal performs the repayment operation.
  • an embodiment of this specification also provides a server, as shown in FIG. 6, including a memory 604, a processor 602, and a storage 606 A computer program that can be run on the processor 602, and when the processor 602 executes the program, the steps of any method of the payment processing method in the offline scenario described above are implemented.
  • the bus architecture (represented by the bus 600), the bus 600 may include any number of interconnected buses and bridges, and the bus 600 will include one or more processors and memory 606 represented by the processor 602.
  • the various circuits of the memory are linked together.
  • the bus 600 may also link various other circuits such as peripheral components, voltage regulators, and power management circuits, etc., which are well known in the art, and therefore, they will not be further described herein.
  • the bus interface 605 provides an interface between the bus 600 and the receiver 601 and the transmitter 603.
  • the receiver 601 and the transmitter 603 may be the same element, that is, a transceiver, providing a unit for communicating with various other devices on a transmission medium.
  • the processor 602 is responsible for managing the bus 600 and general processing, and the memory 606 may be used to store data used by the processor 602 in performing operations.
  • an embodiment of this specification also provides a computer-readable storage medium on which a computer program is stored, which is implemented when the processor executes it The steps of any method of the payment processing method in the offline scenario described above.
  • These computer program instructions can be provided to the processor of a general-purpose computer, special-purpose computer, embedded processing machine, or other programmable data processing device to produce a machine that enables the generation of instructions executed by the processor of the computer or other programmable data processing device
  • These computer program instructions may also be stored in a computer readable memory that can guide a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture including the instruction device, the instructions
  • the device implements the functions specified in one block or multiple blocks in the flowchart one flow or multiple flows and / or block diagrams.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operating steps are performed on the computer or other programmable device to produce computer-implemented processing, which is executed on the computer or other programmable device
  • the instructions provide steps for implementing the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and / or block diagrams.

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Abstract

一种离线场景下的支付处理方法，所述收款终端位于离线状态下扫描用户终端在离线状态下生成的离线码，得到离线码信息；获取支付金额；保存所述离线码信息和所述支付金额；若所述收款终端处于在线状态，将所述离线码信息和所述支付金额上传给服务器，使得服务器接收到所述离线码信息和所述支付金额之后，根据所述离线码信息和所述支付金额，从对应的支付账户中支付扣款金额，从而将扣款金额放入到收款终端对应的支付账户中，如此，能够在用户终端和收款终端均处于离线状态时仍能够实现支付功能的效果。

Description

离线场景下的支付处理方法、服务器及可读存储介质 技术领域
本说明书实施例涉及数据处理技术领域，尤其涉及一种离线场景下的支付处理方法、服务器及可读存储介质。
背景技术
随着电子支付的飞速发展，使得用户能够无需携带现金而仅需携带移动设备就可以完成支付，越来越方便用户使用。
现有的电子支付，通常需要双方在线，或者收款方一方在线的场景下完成支付，而双方均位于离线状态的场景下不能完成支付，例如用户携带的智能手机处于离线状态，而收款方对应的收款设备处于在线状态，此时，可以通过收款设备扫描智能手机上的离线码完成支付，而在智能手机和收款设备均处于离线状态时不能完成支付。
发明内容
本说明书实施例第一方面提供了一种离线场景下的支付处理方法，应用于收款终端中，包括：
在所述收款终端位于离线状态下扫描用户终端在离线状态下生成的离线码，得到离线码信息；
获取支付金额；
保存所述离线码信息和所述支付金额；
在保存所述离线码信息和所述支付金额之后，若所述收款终端处于在线状态，将所述离线码信息和所述支付金额上传给服务器，并获取所述服务器根据所述离线码信息和所述支付金额而支付的扣款金额。
本说明书实施例第二方面提供了一种离线场景下的支付处理方法，应用于服务器中，包括：
接收从收款终端发送的离线码信息和支付金额，所述离线码信息是所述收款终端位于离线状态下扫描用户终端在离线状态下生成的离线码而得到的；
根据所述离线码信息和所述支付金额，从对应的支付账户中支付扣款金额；并将所述扣款金额放入到所述收款终端对应的支付账户中。
本说明书实施例第三方面还提供了一种收款终端，包括：
离线码生成单元，用于在所述收款终端位于离线状态下扫描用户终端在离线状态下生成的离线码，得到离线码信息；
支付金额获取单元，用于获取支付金额；
信息保存单元，用于保存所述离线码信息和所述支付金额；
信息上传单元，用于在保存所述离线码信息和所述支付金额之后，若所述收款终端处于在线状态，将所述离线码信息和所述支付金额上传给服务器；
扣款金额获取单元，用于获取所述服务器根据所述离线码信息和所述支付金额而支付的扣款金额。
本说明书实施例第四方面还提供了一种服务器，包括：
信息接收单元，用于接收从收款终端发送的离线码信息和支付金额，所述离线码信息是所述收款终端位于离线状态下扫描用户终端在离线状态下生成的离线码而得到的；
扣款单元，用于根据所述离线码信息和所述支付金额，从对应的支付账户中支付扣款金额，并将所述扣款金额放入到所述收款终端对应的支付账户中。
本说明书实施例第五方面还提供了一种离线场景下的支付处理系统，包括：
用户终端，用于在离线状态下生成离线码；
收款终端，用于在离线状态下扫描所述离线码，得到所述离线码信息；以及获取支付金额，并保存所述离线码信息和所述支付金额；以及在保存所述离线码信息和所述支付金额之后，若所述收款终端处于在线状态，将所述离线码信息和所述支付金额上传给服务器；
所述服务器，用于接收所述离线码信息和所述支付金额，根据所述离线码信息和所述支付金额，从对应的支付账户中支付扣款金额，并将所述扣款金额放入到所述收款终端对应的支付账户中。
本说明书实施例第六方面还提供了一种服务器，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机程序，所述处理器执行所述程序时实现上述离线场景 下的支付处理方法的步骤。
本说明书实施例第七方面还提供了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上述离线场景下的支付处理方法的步骤。
本说明书实施例的有益效果如下：
基于上述技术方案，收款终端在离线状态下扫描用户终端生成的所述离线码，得到离线码信息；以及获取支付金额，并保存所述离线码信息和所述支付金额；然后在处于在线状态时上传所述离线码信息和所述支付金额，使得服务器接收到所述离线码信息和所述支付金额之后，根据所述离线码信息和所述支付金额，从对应的支付账户中支付扣款金额，并将所述扣款金额放入到收款终端对应的支付账户中，如此，能够在用户终端和收款终端均处于离线状态时仍能够实现支付功能的效果。
附图说明
图1为本说明书实施例中离线场景下的支付处理系统的架构图；
图2为本说明书实施例中离线场景下的支付处理方法的第一种方法流程图；
图3为本说明书实施例中离线场景下的支付处理方法的第二种方法流程图；
图4为本说明书实施例中收款终端的结构示意图；
图5为本说明书实施例中服务器的模块结构示意图；
图6为本说明书实施例中服务器的硬件结构示意图。
具体实施方式
为了更好的理解上述技术方案，下面通过附图以及具体实施例对本说明书实施例的技术方案做详细的说明，应当理解本说明书实施例以及实施例中的具体特征是对本说明书实施例技术方案的详细的说明，而不是对本说明书技术方案的限定，在不冲突的情况下，本说明书实施例以及实施例中的技术特征可以相互组合。
第一方面，如图1所示，本说明书实施例提供一种离线场景下的支付处理系统，包括：
用户终端100，用于在离线状态下生成离线码；
收款终端200，用于在离线状态下扫描所述离线码，得到离线码信息；以及获取支 付金额；并保存所述离线码信息和所述支付金额；以及在保存所述离线码信息和所述支付金额之后，若收款终端200处于在线状态，将所述离线码信息和所述支付金额上传给服务器300；
服务器300，用于接收所述离线码信息和所述支付金额，根据所述离线码信息和所述支付金额，从对应的支付账户中支付扣款金额，并将所述扣款金额放入到所述收款终端对应的支付账户中。
本说明书实施例中，服务器300用于根据所述离线码信息和所述支付金额，从对应的支付账户中支付扣款金额，具体包括:服务器300在监测到用户终端100处于在线状态时，通过所述离线码信息获取到用户终端100对应的第一支付账户，检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额，若检测到所述第一支付账户中存在扣款渠道能够支付所述扣款金额，则控制所述第一支付账户中的扣款渠道支付所述扣款金额；若检测到所述第一支付账户中不存在扣款渠道能够支付所述扣款金额，则使用服务器300对应的第二支付账户支付所述扣款金额；以及在使用服务器300对应的第二支付账户支付所述扣款金额之后，可以控制所述第一支付账户的支付权限处于受限状态，并在所述第一支付账户中写入欠款记录，所述欠款记录包括根据所述支付金额生成的欠款金额。
本说明书实施例中，所述欠款金额和所述支付金额的数值相同，例如所述支付金额为500元，则所述欠款金额也为500元。
本说明书实施例中，用户终端100可以是智能手机、智能手表和平板电脑等移动设备；进一步地，收款终端200可以是智能手机、智能手表、平板电脑、台式电脑、笔记本电脑和收款设备等电子设备；进一步地，服务器300可以是平板电脑、台式电脑和笔记本电脑等电子设备。
本说明书实施例中，服务器300可以预先根据用户终端100对应的用户信用度为用户终端100对应的用户开通先享后付协议，在用户终端100对应的用户开通所述先享后付协议之后，用户终端100可以在离线状态下生成离线码。当然，用户终端100对应的用户也可以不开通所述先享后付协议，此时，用户终端100也可以在离线状态下生成离线码。
本说明书实施例中，用户终端100用于在离线状态下获取付款操作，响应所述付款操作，生成所述离线码。
具体来讲，用户终端100通常是在离线状态下获取针对某个应用的付款功能的付款操作，然后响应所述付款操作，生成所述离线码。例如，用户终端100在离线状态下打开某个应用之后，获取到针对该应用中的付款按钮的点击操作，该点击操作为所述付款操作，响应该点击操作，生成所述离线码。
本说明书实施例中，所述离线码是在离线状态下生成的二维码，所述离线码中包含有所述第一支付账户的账号信息，当然，所述离线码中还可以包含用户终端100的信息。例如，所述离线码可以包括所述第一支付账户的账号信息和用户终端100的mac地址。相应地，所述离线码信息必然包括所述第一支付账户的账号信息。
本说明书实施例中，收款终端200，用于通过收款终端200中的扫描设备或外连的扫描设备扫描所述离线码，得到所述离线码信息；以及在扫描所述离线码之前会提前设定需要支付的所述支付金额，如此，可以获取到所述支付金额。
本说明书实施例中，收款终端200用于在保存所述离线码信息和所述支付金额时，将所述离线码信息和所述支付金额组装成收款信息，然后保存所述收款信息。由于所述离线码和所述支付金额是对应的，因此，在将所述离线码信息和所述支付金额组装成收款信息之后，即将所述离线码信息和所述支付金额绑定，防止出现所述离线码信息与所述支付金额不对应的情况出现。
本说明书实施例中，收款终端200保存所述收款信息之后，检测到收款终端200处于在线状态时，将所述收款信息上传给服务器300，由于所述收款信息中包含有所述离线码信息和所述支付金额，从而使得收款终端200将所述离线码信息和所述支付金额上传给服务器300。
本说明书实施例中，收款终端200在保存所述离线码信息和所述支付金额时，可以对所述离线码信息和所述支付金额进行加密后保存；当然，收款终端200还可以是加密所述收款信息后保存，以降低出现所述离线码信息和所述支付金额在保存过程中被篡改的概率，提高保密性能。
具体来讲，收款终端200用于利用私钥对所述离线码信息和所述支付金额进行加密，或者用于利用所述私钥对所述收款信息进行加密；此时，服务器300中存储有与所述私钥对应的公钥。
具体来讲，收款终端200对所述离线码信息和所述支付金额进行加密后保存之后，将加密后的所述离线码信息和所述支付金额上传给服务器300；使得服务器300通过与 所述私钥对应的公钥来解密加密后的所述离线码信息和所述支付金额，从而得到所述离线码信息和所述支付金额。同理，收款终端200将加密后的所述还款信息上传给服务器300之后，使得服务器300通过与所述私钥对应的公钥来解密加密后的所述还款信息，从而得到所述还款信息中包含的所述离线码信息和所述支付金额。
本说明书实施例中，所述离线状态是指未连接网络时的状态，所述在线状态是指连接网络时的状态。
本说明书实施例中，服务器300，用于在获取所述离线码信息和所述支付金额之后，利用所述离线码信息实时监测用户终端100是否处于在线状态，在监测到用户终端100处于在线状态时，通过所述离线码信息获取到用户终端100对应的第一支付账户，检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额。
具体来讲，用户终端100预先在服务器300中注册了所述第一支付账户，使得服务器300中存储有所述第一支付账户和用户终端100的标识，如此，使得服务器300用于利用所述离线码信息实时监测用户终端100是否处于在线状态时，通过所述离线码信息获取所述第一支付账户，然后利用所述第一支付账户从服务器300查找到与所述第一支付账户对应的用户终端100的标识，利用用户终端100的标识实时监测用户终端100是否处于在线状态，在监测到用户终端100处于在线状态时，检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额。
本说明书实施例中，服务器300中存储有多个用户终端注册的支付账户及其对应的用户终端的标识，具体如下表1所示。
表1
支付账户 用户终端的标识
A1 45XX
A2 XX36
A3 X2X5
A4 3X7X
A5 98XX
本说明书实施例中，服务器300在检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额过程中，若检测到所述第一支付账户中存在扣款渠道能够支付所述扣款金额，则控制所述第一支付账户中的扣款渠道支付所述扣款金额；若检测到所述第一 支付账户中不存在扣款渠道能够支付所述扣款金额，则使用服务器300对应的第二支付账户支付所述扣款金额，并控制所述第一支付账户的支付权限处于受限状态，并在所述第一支付账户中写入欠款记录。
本说明书实施例中，服务器300在检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额时，可以获取所述第一支付账户中的扣款渠道的扣款顺序，根据所述扣款顺序依次检测对应的扣款渠道是否能够支付所述扣款金额；若首次检测到某个扣款渠道能够支付所述扣款金额，则通过该扣款渠道支付所述扣款金额；若检测到所述第一支付账户中的所有扣款渠道均不能支付所述扣款金额，即检测到所述第一支付账户中不存在扣款渠道能够支付所述扣款金额，则使用服务器300对应的第二支付账户支付所述扣款金额，并控制所述第一支付账户的支付权限处于受限状态，并在所述第一支付账户中写入欠款记录。
本说明书实施例中，服务器300用于在使用服务器300对应的第二支付账户支付所述扣款金额之后，将所述扣款金额放入到收款终端200对应的支付账户中，还可以生成收款成功信息，并将所述收款成功信息发送给收款终端200；以及服务器300用于在控制所述第一支付账户中的扣款渠道支付所述扣款金额之后，并将所述扣款金额放入到收款终端200对应的支付账户中，还可以生成收款成功信息，并将所述收款成功信息发送给收款终端200。
本说明书实施例中，服务器300将所述扣款金额放入到收款终端200对应的支付账户中时，收款终端200上传所述离线码和所述支付金额时会携带有收款终端200的标识，服务器300根据收款终端200的标识查找到与收款终端200对应的支付账户，从而将已支付的所述扣款金额放入到收款终端200对应的支付账户中。
例如所述第一支付账户包括b1、b2、b3和b4这4个扣款渠道，上述4个扣款渠道依次为b1、b2、b3和b4，则依次检测b1、b2、b3和b4是否能够支付所述扣款金额，首先检测b1是否能够支付所述扣款金额，若不能，则继续检测b2是否能够支付所述扣款金额；若b1能够支付所述扣款金额，则确定首次检测到能够支付所述扣款金额的扣款渠道为b1，然后使用b1支付所述扣款金额；针对b2、b3和b4依次执行上述操作，从而能够检测到所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额。
当然，服务器300在检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额时，若所述第一支付账户中存在多个扣款渠道，还可以采用随机方式来检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额。例如所述第一支付账户包括b1、 b2、b3和b4这4个扣款渠道，采用随机方式
例如，服务器300在接收到所述离线码信息和所述支付金额之后，从所述离线码信息中读取用户终端100的支付账号为A3，然后服务器300从表1中查找到A3对应的用户终端的标识为X2X5，然后利用X2X5确定出对应的用户终端为用户终端100，然后根据X2X5实时监控用户终端100是否位于在线状态，在监测到用户终端100处于在线状态时，检测A3中是否存在扣款渠道能够支付所述扣款金额。
其中，若A3中扣款渠道的扣款顺序依次为b1、b2、b3和b4，则依次检测b1、b2、b3和b4是否能够支付所述扣款金额，若检测到b1和b2不能支付所述扣款金额而检测到b3能够支付所述扣款金额，则检测到首个能够支付所述扣款金额的扣款渠道为b3，则使用b3支付所述扣款金额；若检测到b1、b2、b3和b4均不能支付所述扣款金额，则使用服务器300对应的第二支付账户支付所述扣款金额，将所述扣款金额放入收款终端200的支付账户中，并控制A3的支付权限处于受限状态，并在A3中写入欠款记录。
如此，使得用户终端在离线状态下其对应的用户也能够享受多种服务，例如乘车服务、购物服务和共享单车骑行服务等，更方便用户使用。
本说明书另一实施例中，服务器300用于在所述第一支付账户中写入欠款记录之后，还生成资金追回任务。
本说明书另一实施例中，服务器300用于在所述第一支付账户中写入欠款记录之后，在监测到用户终端100处于在线状态时，生成还款引导信息，并发送所述还款引导信息给用户终端100，以在用户终端100上显示所述还款引导信息。
本说明书实施例中，所述还款引导信息为进行还款操作的引导信息，例如可以是进行绑定银行卡、充值和转账等还款操作的引导信息。
本说明书另一实施例中，服务器300用于发送还款引导信息给用户终端100之后，实时监测用户终端100是否进行了还款操作，在监测到用户终端100进行了还款操作时，触发所述资金追回任务，控制所述还款操作对应的支付渠道支付所述扣款金额，并将所述扣款金额放入到收款终端200对应的支付账户中；此时，可以生成收款成功信息，并将所述收款成功信息发送给收款终端200；当然，还可以生成扣款成功信息，并将所述扣款成功信息发送给用户终端100。
本说明书实施例中，所述受限状态用于指支付账户不能进行支付的状态，所述非受限状态用于指支付账户能够进行支付的状态。
具体来讲，服务器300用于实时监测用户终端100是否进行了还款操作过程中，用户终端100可以进行绑定银行卡、充值和转账等还款操作，此时，服务器300能够监测到用户终端100已绑定银行卡、已充值和已转账等与所述还款操作对应的还款信息，从而通过监测所述还款信息来监测用户终端100是否进行了还款操作。
如此，收款终端200在离线状态下扫描用户终端100生成的所述离线码，得到离线码信息，以及获取扫支付金额，并保存所述离线码信息和所述支付金额；然后在处于在线状态时上传所述离线码信息和所述支付金额，使得服务器300接收到所述离线码和所述支付金额之后，将所述扣款金额放入到收款终端200对应的支付账户中，如此，能够在用户终端100和收款终端200均处于离线状态时仍能够实现支付功能的效果。
第二方面，基于相同的技术构思，本说明书实施例提供一种离线场景下的支付处理方法，应用于收款终端中，如图2所示，包括以下步骤：
S202、在所述收款终端位于离线状态下扫描用户终端在离线状态下生成的离线码，得到离线码信息；
S204、获取支付金额；
S206、保存所述离线码信息和所述支付金额；
S208、在保存所述离线码信息和所述支付金额之后，若所述收款终端处于在线状态，将所述离线码信息和所述支付金额上传给服务器，并获取所述服务器根据所述离线码信息和所述支付金额而支付的扣款金额。
本说明书实施例中，所述服务用于接收所述离线码信息和所述支付金额，以及在监测到所述用户终端处于在线状态时，通过所述离线码信息获取到所述用户终端对应的第一支付账户，检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额，若检测到所述第一支付账户中存在扣款渠道能够支付所述扣款金额，则控制所述第一支付账户中的扣款渠道支付所述扣款金额，然后将所述扣款金额放入到所述收款终端对应的支付账户中，进而获取到所述服务器根据所述离线码信息和所述支付金额而支付的扣款金额；若检测到所述第一支付账户中不存在扣款渠道能够支付所述扣款金额，则使用所述服务器对应的第二支付账户支付所述扣款金额，然后将所述扣款金额放入到所述收款终端对应的支付账户中，进而获取到所述服务器根据所述离线码信息和所述支付金额而支付的扣款金额；如此，使得所述支付金额和所述扣款金额的值相同。
在一种可选方式中，所述保存所述离线码信息和所述支付金额，具体包括：
将所述离线码信息和所述支付金额组装成收款信息并保存。
在一种可选方式中，所述将所述离线码信息和所述支付金额上传给服务器，具体包括：
将所述收款信息上传给所述服务器。
第三方面，基于相同的技术构思，本说明书实施例提供一种离线场景下的支付处理方法，应用于服务器中，如图3所示，包括以下步骤：
S302、接收从收款终端发送的离线码信息和支付金额，所述离线码信息是所述收款终端位于离线状态下扫描用户终端在离线状态下生成的离线码而得到的；
S304、根据所述离线码信息和所述支付金额，从对应的支付账户中支付扣款金额，并将所述扣款金额放入到所述收款终端对应的支付账户中。
在一种可选方式中，所述根据所述离线码信息和所述支付金额，从对应的支付账户中支付扣款金额，具体包括：
在监测到所述用户终端处于在线状态时，通过所述离线码信息获取到所述用户终端对应的第一支付账户，并检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额；
若检测到所述第一支付账户中存在扣款渠道能够支付所述扣款金额，则控制所述第一支付账户中的扣款渠道支付所述扣款金额；若检测到所述第一支付账户中不存在扣款渠道能够支付所述扣款金额，则使用所述服务器对应的第二支付账户支付所述扣款金额。
在一种可选实施方式中，在使用所述服务器对应的第二支付账户支付所述扣款金额之后，所述方法还包括：
控制所述第一支付账户的支付权限处于受限状态，并在所述第一支付账户中写入欠款记录，所述欠款记录包括根据所述支付金额生成的欠款金额。
在一种可选方式中，所述检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额，具体包括：
获取所述第一支付账户中的扣款渠道的扣款顺序，根据所述扣款顺序依次检测对应的扣款渠道是否能够支付所述扣款金额。
在一种可选方式中，在所述第一支付账户中写入欠款记录之后，所述方法还包括：
生成资金追回任务。
在一种可选方式中，在所述第一支付账户中写入欠款记录之后，所述方法还包括:
在监测到所述用户终端处于在线状态时，发送生成的还款引导信息给所述用户终端。
在一种可选方式中，在发送生成的还款引导信息给所述用户终端之后，所述方法还包括：
实时监测所述用户终端是否进行了还款操作；
在监测到所述用户终端进行了还款操作时，触发所述资金追回任务，控制所述还款操作对应的支付渠道支付所述扣款金额。
第四方面，基于与第二方面提供的方法相同的技术构思，本说明书实施例提供一种收款终端，如图4所示，包括：
离线码生成单元401，用于在所述收款终端位于离线状态下扫描用户终端在离线状态下生成的离线码，得到离线码信息；
支付金额获取单元402，用于获取支付金额；
信息保存单元403，用于保存所述离线码信息和所述支付金额；
信息上传单元404，用于在保存所述离线码信息和所述支付金额之后，若所述收款终端处于在线状态，将所述离线码信息和所述支付金额上传给服务器；
扣款金额获取单元405，用于获取所述服务器根据所述离线码信息和所述支付金额而支付的扣款金额。
在一种可选方式中，信息保存单元403，具体用于将所述离线码信息和所述支付金额组装成收款信息并保存。
在一种可选方式中，信息上传单元404，具体用于将所述收款信息上传给所述服务器。
第五方面，基于与第三方面提供的方法相同的技术构思，本说明书实施例提供一种服务器，如图5所示，包括：
信息接收单元501，用于接收从收款终端发送的离线码信息和支付金额，所述离线码信息是所述收款终端位于离线状态下扫描用户终端在离线状态下生成的离线码而得到的；
扣款单元502，用于根据所述离线码信息和所述支付金额，从对应的支付账户中支付扣款金额，并将所述扣款金额放入到所述收款终端对应的支付账户中。
所述扣款单元包括：
扣款检测子单元，用于在监测到所述用户终端处于在线状态时，通过所述离线码信息获取到所述用户终端对应的第一支付账户，并检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额；
扣款子单元，用于在监测到所述第一支付账户中存在扣款渠道能够支付所述扣款金额时，控制所述第一支付账户中的扣款渠道支付所述扣款金额；以及在监测到所述第一支付账户中不存在扣款渠道能够支付所述扣款金额时，则使用所述服务器对应的第二支付账户支付所述扣款金额。
在一种可选方式中，所述扣款检测子单元，具体用于获取所述第一支付账户中的扣款渠道的扣款顺序，根据所述扣款顺序依次检测对应的扣款渠道是否能够支付所述扣款金额。
在一种可选方式中，所述服务器还包括：
账户控制单元，用于在使用所述服务器对应的第二支付账户支付所述扣款金额之后，控制所述第一支付账户的支付权限处于受限状态；
数据写入单元，用于在所述第一支付账户中写入欠款记录，所述欠款记录包括根据所述支付金额生成的欠款金额。
在一种可选方式中，所述服务器还包括：
资金追回任务生成单元，用于在所述第一支付账户中写入欠款记录之后，生成资金追回任务。
在一种可选方式中，所述服务器还包括：
还款引导信息发送单元，用于在所述第一支付账户中写入欠款记录之后，在监测到所述用户终端处于在线状态时，发送生成的还款引导信息给所述用户终端。
在一种可选方式中，所述服务器还包括：
还款监测单元，用于在发送生成的还款引导信息给所述用户终端之后，实时监测所述用户终端是否进行了还款操作；
资金追回单元，用于在监测到所述用户终端进行了还款操作时，触发所述资金追回任务，控制所述还款操作对应的支付渠道支付所述扣款金额。
第六方面，基于与前述实施例中离线场景下的支付处理方法同样的发明构思，本说明书实施例还提供一种服务器，如图6所示，包括存储器604、处理器602及存储在存储器606上并可在处理器602上运行的计算机程序，所述处理器602执行所述程序时实现前文所述离线场景下的支付处理方法的任一方法的步骤。
其中，在图6中，总线架构(用总线600来代表)，总线600可以包括任意数量的互联的总线和桥，总线600将包括由处理器602代表的一个或多个处理器和存储器606代表的存储器的各种电路链接在一起。总线600还可以将诸如外围部件、稳压器和功率管理电路等之类的各种其他电路链接在一起，这些都是本领域所公知的，因此，本文不再对其进行进一步描述。总线接口605在总线600和接收器601和发送器603之间提供接口。接收器601和发送器603可以是同一个元件，即收发机，提供用于在传输介质上与各种其他装置通信的单元。处理器602负责管理总线600和通常的处理，而存储器606可以被用于存储处理器602在执行操作时所使用的数据。
第七方面，基于与前述实施例中离线场景下的支付处理方法的发明构思，本说明书实施例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前文所述离线场景下的支付处理方法的任一方法的步骤。
本说明书是参照根据本说明书实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的设备。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令设备的制造品，该指令设备实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在 计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
尽管已描述了本说明书的优选实施例，但本领域内的技术人员一旦得知了基本创造性概念，则可对这些实施例作出另外的变更和修改。所以，所附权利要求意欲解释为包括优选实施例以及落入本说明书范围的所有变更和修改。
显然，本领域的技术人员可以对本说明书进行各种改动和变型而不脱离本说明书的精神和范围。这样，倘若本说明书的这些修改和变型属于本说明书权利要求及其等同技术的范围之内，则本说明书也意图包含这些改动和变型在内。

Claims (31)

  1. 一种离线场景下的支付处理方法，应用于收款终端中，包括：
    在所述收款终端位于离线状态下扫描用户终端在离线状态下生成的离线码，得到离线码信息；
    获取支付金额；
    保存所述离线码信息和所述支付金额；
    在保存所述离线码信息和所述支付金额之后，若所述收款终端处于在线状态，将所述离线码信息和所述支付金额上传给服务器，并获取所述服务器根据所述离线码信息和所述支付金额而支付的扣款金额。
  2. 如权利要求1所述的处理方法，所述保存所述离线码信息和所述支付金额，具体包括：
    将所述离线码信息和所述支付金额组装成收款信息并保存。
  3. 如权利要求2所述的处理方法，所述将所述离线码信息和所述支付金额上传给服务器，具体包括：
    将所述收款信息上传给所述服务器。
  4. 一种离线场景下的支付处理方法，应用于服务器中，包括：
    接收从收款终端发送的离线码信息和支付金额，所述离线码信息是所述收款终端位于离线状态下扫描用户终端在离线状态下生成的离线码而得到的；
    根据所述离线码信息和所述支付金额，从对应的支付账户中支付扣款金额，并将所述扣款金额放入到所述收款终端对应的支付账户中。
  5. 如权利要求4所述的方法，所述根据所述离线码信息和所述支付金额，从对应的账户中支付扣款金额，具体包括：
    在监测到所述用户终端处于在线状态时，通过所述离线码信息获取到所述用户终端对应的第一支付账户，并检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额；
    若检测到所述第一支付账户中存在扣款渠道能够支付所述扣款金额，则控制所述第一支付账户中的扣款渠道支付所述扣款金额；若检测到所述第一支付账户中不存在扣款渠道能够支付所述扣款金额，则使用所述服务器对应的第二支付账户支付所述扣款金额。
  6. 如权利要求5所述的处理方法，所述检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额，具体包括：
    获取所述第一支付账户中的扣款渠道的扣款顺序，根据所述扣款顺序依次检测对应 的扣款渠道是否能够支付所述扣款金额。
  7. 如权利要求6所述的处理方法，其特征在于，在使用所述服务器对应的第二支付账户支付所述扣款金额之后，所述方法还包括：
    控制所述第一支付账户的支付权限处于受限状态，并在所述第一支付账户中写入欠款记录，所述欠款记录包括根据所述支付金额生成的欠款金额。
  8. 如权利要求7所述的处理方法，在所述第一支付账户中写入欠款记录之后，所述方法还包括：
    生成资金追回任务。
  9. 如权利要求7所述的处理方法，在所述第一支付账户中写入欠款记录之后，所述方法还包括:
    在监测到所述用户终端处于在线状态时，发送生成的还款引导信息给所述用户终端。
  10. 如权利要求9所述的处理方法，在发送生成的还款引导信息给所述用户终端之后，所述方法还包括：
    实时监测所述用户终端是否进行了还款操作；
    在监测到所述用户终端进行了还款操作时，触发所述资金追回任务，控制所述还款操作对应的支付渠道支付所述扣款金额。
  11. 一种收款终端，包括：
    离线码生成单元，用于在所述收款终端位于离线状态下扫描用户终端在离线状态下生成的离线码，得到离线码信息；
    支付金额获取单元，用于获取支付金额；
    信息保存单元，用于保存所述离线码信息和所述支付金额；
    信息上传单元，用于在保存所述离线码信息和所述支付金额之后，若所述收款终端处于在线状态，将所述离线码信息和所述支付金额上传给服务器，并获取所述服务器根据所述离线码信息和所述支付金额而支付的扣款金额。
  12. 如权利要求11所述的收款终端，所述信息保存单元，具体用于将所述离线码信息和所述支付金额组装成收款信息并保存。
  13. 如权利要求12所述的收款终端，所述信息上传单元，具体用于将所述收款信息上传给所述服务器。
  14. 一种服务器，包括：
    信息接收单元，用于接收从收款终端发送的离线码信息和支付金额，所述离线码信息是所述收款终端位于离线状态下扫描用户终端在离线状态下生成的离线码而得到的；
    扣款单元，用于根据所述离线码信息和所述支付金额，从对应的支付账户中支付扣款金额，并将所述扣款金额放入到所述收款终端对应的支付账户中。
  15. 如权利要求14所述的服务器，所述扣款单元包括：
    扣款检测子单元，用于在监测到所述用户终端处于在线状态时，通过所述离线码信息获取到所述用户终端对应的第一支付账户，并检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额；
    扣款子单元，用于在监测到所述第一支付账户中存在扣款渠道能够支付所述扣款金额时，控制所述第一支付账户中的扣款渠道支付所述扣款金额；以及在监测到所述第一支付账户中不存在扣款渠道能够支付所述扣款金额时，则使用所述服务器对应的第二支付账户支付所述扣款金额。
  16. 如权利要求15所述的服务器，所述扣款检测子单元，具体用于获取所述第一支付账户中的扣款渠道的扣款顺序，根据所述扣款顺序依次检测对应的扣款渠道是否能够支付所述扣款金额。
  17. 如权利要求16所述的服务器，还包括：
    账户控制单元，用于在使用所述服务器对应的第二支付账户支付所述扣款金额之后，控制所述第一支付账户的支付权限处于受限状态；
    数据写入单元，用于在所述第一支付账户中写入欠款记录，所述欠款记录包括根据所述支付金额生成的欠款金额。
  18. 如权利要求17所述的服务器，还包括：
    资金追回任务生成单元，用于在所述第一支付账户中写入欠款记录之后，生成资金追回任务。
  19. 如权利要求17所述的服务器，还包括：
    还款引导信息发送单元，用于在所述第一支付账户中写入欠款记录之后，在监测到所述用户终端处于在线状态时，发送生成的还款引导信息给所述用户终端。
  20. 如权利要求19所述的服务器，还包括：
    还款监测单元，用于在发送生成的还款引导信息给所述用户终端之后，实时监测所述用户终端是否进行了还款操作；
    资金追回单元，用于在监测到所述用户终端进行了还款操作时，触发所述资金追回任务，控制所述还款操作对应的支付渠道支付所述扣款金额。
  21. 一种离线场景下的支付处理系统，包括：
    用户终端，用于在离线状态下生成离线码；
    收款终端，用于在离线状态下扫描所述离线码，得到所述离线码信息；以及获取支付金额；并保存所述离线码信息和所述支付金额；以及在保存所述离线码信息和所述支付金额之后，若所述收款终端处于在线状态，将所述离线码信息和所述支付金额上传给服务器；
    所述服务器，用于接收所述离线码信息和所述支付金额，根据所述离线码信息和所述支付金额，从对应的支付账户中支付扣款金额，并将所述扣款金额放入到所述收款终端对应的支付账户中。
  22. 如权利要求21所述的系统，所述收款终端，具体用于将所述离线码信息和所述支付金额组装成收款信息并保存。
  23. 如权利要求22所述的系统，所述收款终端，还用于将所述收款信息上传给所述服务器。
  24. 如权利要求21所述的系统，所述服务器，具体用于在监测到所述用户终端处于在线状态时，通过所述离线码信息获取到所述用户终端对应的第一支付账户，检测所述第一支付账户中是否存在扣款渠道能够支付所述扣款金额，若检测到所述第一支付账户中存在扣款渠道能够支付所述扣款金额，则控制所述第一支付账户中的扣款渠道支付所述扣款金额；若检测到所述第一支付账户中不存在扣款渠道能够支付所述扣款金额，则使用所述服务器对应的第二支付账户支付所述扣款金额。
  25. 如权利要求24所述的系统，所述服务器，具体用于获取所述第一支付账户中的扣款渠道的扣款顺序，根据所述扣款顺序依次检测对应的扣款渠道是否能够支付所述扣款金额。
  26. 如权利要求25所述的系统，所述服务器，具体用于在使用所述服务器对应的第二支付账户支付所述扣款金额之后，控制所述第一支付账户的支付权限处于受限状态，并在所述第一支付账户中写入欠款记录，所述欠款记录包括根据所述支付金额生成的欠款金额。
  27. 如权利要求26所述的系统，所述服务器，还用于在所述第一支付账户中写入欠款记录之后，生成资金追回任务。
  28. 如权利要求26所述的系统，所述服务器，还用于在所述第一支付账户中写入欠款记录之后，在监测到所述用户终端处于在线状态时，发送生成的还款引导信息给所述用户终端。
  29. 如权利要求28所述的系统，所述服务器，还用于在发送生成的还款引导信息给所述用户终端之后，实时监测所述用户终端是否进行了还款操作，在监测到所述用户 终端进行了还款操作时，触发所述资金追回任务，控制所述还款操作对应的支付渠道支付所述扣款金额。
  30. 一种服务器，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机程序，所述处理器执行所述程序时实现权利要求1-10任一项所述方法的步骤。
  31. 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权利要求1-10任一项所述方法的步骤。
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