WO2021114584A1 - 双离线支付的开通、收款、结算方法和装置 - Google Patents

双离线支付的开通、收款、结算方法和装置 Download PDF

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Publication number
WO2021114584A1
WO2021114584A1 PCT/CN2020/094627 CN2020094627W WO2021114584A1 WO 2021114584 A1 WO2021114584 A1 WO 2021114584A1 CN 2020094627 W CN2020094627 W CN 2020094627W WO 2021114584 A1 WO2021114584 A1 WO 2021114584A1
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user
payment
account
server
information
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PCT/CN2020/094627
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English (en)
French (fr)
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翟芬
顾春雷
张一�
王啸
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支付宝(杭州)信息技术有限公司
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—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

  • This specification relates to the field of network communication technology, and in particular to a method and device for opening, receiving, and settlement of dual offline payments.
  • Dual offline payment refers to an application scenario in which neither the user terminal nor the payment collection device can directly or indirectly communicate with the payment server in real time when a payment occurs. That is to say, the user terminal and the payment device are both offline relative to the payment server. .
  • the dual offline payment scenario puts forward higher requirements on the security of the payment and achieves higher security. It often leads to a cumbersome payment process and inconvenience to the payer and the payee.
  • this specification provides a dual offline payment activation method, which is applied to a payment server, and the method includes:
  • the user activation request includes the payment scenario information specified by the user;
  • a system activation request is sent to the payee system.
  • the system activation request includes the correspondence between the user's biometric template and the user's account for the payee device of the payee system
  • the user is authenticated based on the biometric template, and the payment of the user account is approved after the authentication is passed.
  • This manual provides a dual offline payment activation method, which is applied to the collection server of the payee system.
  • the method includes:
  • the system activation request including the payment scenario information specified by the user requesting activation, the corresponding relationship between the user's biometric template and the user's account;
  • the payment collection device is determined, and the corresponding relationship between the biometric template of the user and the user account is issued to the payment collection device to be used by the payment collection device to match the user's designation
  • the user is authenticated based on the biometric template, and the payment of the user account is approved after the authentication is passed.
  • This manual provides a dual offline payment activation method, which is applied to a user terminal, and the method includes:
  • the user’s instruction send a user activation request including the payment scenario information to the payment server for the payment server to save the payment scenario information, the user’s biometric template, and the corresponding relationship of the user’s account, and to store all
  • the corresponding relationship between the user’s biometric template and the user account is sent to the payee system for use by the payee device of the payee system in a dual offline payment scenario matching the payment scenario information based on the
  • the biometric template authenticates the user, and approves the payment of the user account after the authentication is passed.
  • This manual provides a dual offline payment collection method, which is applied to the collection device of the payee system.
  • the collection device stores the biometric template of the user who has opened dual offline payment and the user’s account.
  • the corresponding relationship of the method includes:
  • the obtained biometric information matches the biometric template of a certain user in the locally stored correspondence, the payment of the user account is approved, and the obtained biometric information and the corresponding user's account are saved.
  • This manual provides a settlement method for dual offline payment
  • the method includes:
  • the deduction request including the user's biometric information and the corresponding user's account and payment information obtained by the payment collection device in a payment scenario in which the user is approved for payment;
  • the settlement request including the payment scenario information of the payment scenario, the user's biometric information obtained in the payment scenario and the corresponding user account, and payment information; the payment server
  • the payment scenario information, the user's biometric template, and the corresponding relationship of the user's account are stored;
  • the settlement response is based on the stored correspondence relationship between the payment scenario information of the payment scenario that approved the user's payment and the user's biometric template corresponding to the user account in the settlement request. , The verification result of whether it matches the biometric information in the settlement request is returned.
  • This specification provides a dual offline payment settlement method, which is applied to a payment server, and the payment server stores payment scenario information, a user's biometric template, and the corresponding relationship of the user's account.
  • the method includes:
  • the settlement request includes payment scenario information of the payment scenario in which the payee system approves the user's payment, the user's biometric information obtained in the payment scenario, and the corresponding user's account , And payment information;
  • the user’s biometric template corresponding to the user’s account in the settlement request and the payment scenario information matching the payment scenario that approved the user’s payment in the saved correspondence is used to verify the biometric information in the settlement request. After approval, transfer funds from the user's account to the payee's account according to the payment information;
  • the computer device includes: a memory and a processor; the memory stores a computer program that can be run by the processor; when the processor runs the computer program, the processor executes the above-mentioned dual offline application applied to the payment server The steps described in the payment activation method.
  • a computer device includes: a memory and a processor; the memory stores a computer program that can be run by the processor; when the processor runs the computer program, it executes the above-mentioned application to the payee system The steps described in the opening method of dual offline payment.
  • a computer device includes: a memory and a processor; the memory stores a computer program that can be run by the processor; when the processor runs the computer program, the processor executes the above-mentioned dual offline application applied to the user terminal The steps described in the payment activation method.
  • a computer device includes: a memory and a processor; the memory stores a computer program that can be run by the processor; when the processor runs the computer program, the processor executes the above-mentioned application to the payee system.
  • a computer device includes: a memory and a processor; the memory stores a computer program that can be run by the processor; when the processor runs the computer program, it executes the above-mentioned application to the payee system The steps described in the dual offline payment settlement method.
  • the computer device includes: a memory and a processor; the memory stores a computer program that can be run by the processor; when the processor runs the computer program, the processor executes the above-mentioned dual offline application applied to the payment server The steps described in the settlement method of payment.
  • This specification provides a computer-readable storage medium on which a computer program is stored.
  • the computer program When the computer program is run by a processor, it executes the steps described in the above-mentioned dual offline payment activation method applied to a payment server.
  • This specification also provides a computer-readable storage medium on which a computer program is stored.
  • the computer program When the computer program is run by a processor, it executes the steps described in the above-mentioned dual offline payment activation method applied to the payee system.
  • This specification provides a computer-readable storage medium on which a computer program is stored, and when the computer program is run by a processor, it executes the steps described in the above-mentioned dual offline payment activation method applied to a user terminal.
  • This specification also provides a computer-readable storage medium on which a computer program is stored.
  • the computer program When the computer program is run by a processor, it executes the above-mentioned dual offline payment collection method applied to the collection device of the payee system. The steps described.
  • This specification provides a computer-readable storage medium with a computer program stored thereon, and when the computer program is run by a processor, it executes the steps described in the above-mentioned dual offline payment settlement method applied to the payee system.
  • This specification also provides a computer-readable storage medium on which a computer program is stored.
  • the computer program When the computer program is run by a processor, it executes the steps described in the above-mentioned dual offline payment settlement method applied to a payment server.
  • the user terminal sends a user activation request to the payment server based on the payment scenario information specified by the user, and the payment server generates and saves the payment scenario information, the user’s biometric template, After the corresponding relationship of the user's account, the corresponding relationship is sent to the payee system for storage, so that the payee system will authenticate the user based on the biometric template in the dual offline payment scenario that matches the payment scenario information and approve the user account
  • the user does not need to generate a payment code through cumbersome operations, and can directly use its biometric information to complete the payment, reducing the user’s payment time, and at the same time, the biometric authentication can achieve higher safety.
  • the collection device of the payee system collects the user's biometric information in the dual offline payment scenario according to the stored correspondence between the user's biometric template and the user account.
  • the biometric information matches the biometric template of a user in the saved correspondence relationship, the payment of the user account in the correspondence relationship is recognized, so that the user does not need to generate a payment code through cumbersome operations in the dual offline payment scenario, and use it directly
  • the biometric information can be used to complete the payment, reducing the user's payment time, and at the same time, the authentication based on biometrics can achieve higher security.
  • the payee system sends the payment scenario information of the dual offline payment scenario, the user biometric information collected in the dual offline payment scenario, the corresponding user account and payment information to the payment
  • biometric authentication can be Achieve higher security.
  • FIG. 1 is an example diagram of a network structure of an application scenario of an embodiment of this specification
  • FIG. 2 is a flowchart of a method for enabling dual offline payment applied to a payment server in the first embodiment of this specification
  • FIG. 3 is a flowchart of a dual offline payment activation method applied to the payee system in the first embodiment of this specification;
  • FIG. 5 is a flowchart of a dual offline payment collection method applied to a collection device of the payee system in the second embodiment of this specification;
  • FIG. 7 is a flowchart of a settlement method for dual offline payment applied to a payment server in the third embodiment of this specification.
  • Figure 8 is a flow chart of the interaction between the user terminal, the payment server, the back-end server of the bus company, the back-end server of the machine and the machine in the application example of this manual;
  • Figure 9 is a flow chart of the interaction between the payment server, the bus company back-end server, the machine back-end server and the machine in a settlement process in the application example of this manual;
  • Fig. 10 is a hardware structure diagram of a device running an embodiment of this specification.
  • the user and the payee have their own accounts in a certain payment system.
  • the payment server responds to various requests from the user terminal and the payee system, and performs the user's account. Transfers with the recipient’s account.
  • the payee system includes a payment server and a payment device.
  • the payment server is responsible for communicating with the payment server.
  • the payment device is used to determine whether to approve the user's payment in a dual offline payment environment.
  • the payment device is not offline. Communicate with the collection server, and the collection device usually cannot communicate with the collection server when offline.
  • the user terminal can be a mobile phone, a tablet computer, a PC (Personal Computer, personal computer), a notebook and other devices
  • the collection device can be a fixed or handheld device with a biological feature collection function, such as a mobile phone, a tablet computer, a PC, a notebook, Monitoring equipment, etc.
  • the payment server or the collection server can be a physical or logical server, or two or more physical or logical servers that share different responsibilities and cooperate with each other to realize the payment server or collection server in the embodiments of this specification.
  • the various functions of the server none of the above is limited.
  • the payment scenario information is used to determine the payment device in the payee system that will accept payment from the user in the dual offline environment, or to determine the receipt of the user's biometric template stored in the payee system. ⁇ Section equipment. According to the composition and operation mode of the payee system in the actual application scenario, it is possible to determine which specific information is used as the payment scenario information, and it is not limited, as long as it can be determined based on the payment scenario information that it will provide users with payment collection services in a dual offline environment Which collection device or devices is sufficient. The following is an example.
  • the user can specify the bus lines that they often take, and use biometric authentication to pay for the bus on these bus lines.
  • the bus line can be used as the payment scenario information.
  • the city identifier such as name or unique code
  • bus line can be used as payment scenario information; if each city uses its own type of bus card (that is, the type of bus card uniquely corresponds to one City), the bus line and the user's bus card type can be used as the payment scenario information.
  • the user's biometric template will be distributed to all collection devices of all buses of the bus route, so that the user can make payments based on biometrics when taking the bus route.
  • the user can use the dual offline payment function while riding a railway train.
  • the number and date of the railway train the user took can be used as the payment scenario information, and the user's biometric template will be distributed to all collection devices of the train, so that the user can pay based on the biometrics on the train.
  • the user can use the dual offline payment function while flying.
  • the user's flight and date can be used as payment scenario information, and the user's biometric template will be issued to all collection devices for the flight, so that the user can pay based on biometrics on the train.
  • the user’s biological characteristics are one to multiple physical or behavioral characteristics of the human body that can be used to identify a person’s identity, for example, one or more of human face, fingerprint, palm print, and iris.
  • the user’s biometric information is the user’s biometric data collected on site, or the information obtained after extraction, conversion or other processing based on the user’s biometric data collected on site, such as the user’s fingerprint collected on site
  • the image can be a number of specific variable values extracted from the user's facial image collected on the spot (such as the variable value that measures the relative position of the eyes and nose, etc.), or it can be compressed on the face image collected on the spot
  • the user’s biometric template is the biometric data that has been authenticated as belonging to the user, or the biometric data that has been authenticated as the user’s own identity. The data is extracted, converted or otherwise processed, and used for comparison with the biometric information. .
  • the payee's collection device authenticates the user through the user's biometrics, and the user's payment will only be approved after the authentication is passed. Since the collection device cannot communicate remotely in the dual offline environment, the biometric template of the user used for authentication needs to be pre-stored on the collection device. In order to protect user privacy, in the embodiments of the present application, the user's biometric template will be delivered to the payment collection device only after the user activates the biometric-based dual offline payment function, that is, after the user's authorization.
  • the first embodiment of this specification proposes a new dual offline payment activation method.
  • the user terminal sends the payment scenario information to the payment server, and the payment server generates and saves the payment scenario information
  • the corresponding relationship is sent to the payee system to save, so that the payee device of the payee system can match the payment scenario information in a dual offline payment scenario based on bio
  • the feature template authenticates the user and approves the payment of the user account, so that the user can directly use his biometric information to complete the payment in the dual offline payment scenario, reducing the user's payment time, and the biometric authentication has a higher
  • the degree of security has achieved better security while improving payment efficiency.
  • communication can be carried out between the user terminal and the payment server, between the payment server and the payment server of the payee system, and between the payment server and the payment device.
  • the network structure can be shown in Figure 1.
  • step 410 obtain the payment scenario information specified by the user.
  • a user When a user wants to use a payment system for payment in a specific dual offline payment scenario, he can activate the biometric payment function in the payment scenario through his terminal.
  • the user can initiate the activation process in various ways, for example, through the activation portal provided by the client software of the payment system on the user terminal, or through the browser on the user terminal to start the activation process when accessing the payment system, or It is other applications on the user terminal that access the payment system or invoke the client software of the payment system to initiate the activation process.
  • the user terminal After the user initiates the activation process, the user terminal obtains the payment scenario information specified by the user.
  • the specific method for obtaining payment scenario information is not limited in the embodiments of this specification. For example, it can be determined by the user terminal according to the user's selection operation on the opening interface of the client software of the payment system, and the user terminal can receive the user's access to the payment system.
  • the manual input when browsing the page of the payment system can be carried in the call command by other applications on the user terminal that call the client software of the payment system.
  • step 420 send a user activation request including the payment scenario information to the payment server for the payment server to save the payment scenario information, the user's biometric template, and the corresponding relationship of the user's account , And send the corresponding relationship between the user’s biometric template and the user’s account to the payee system, so that the payee device of the payee system uses the dual offline payment scenario matching the payment scenario information based on the
  • the biometric template authenticates the user and approves the payment of the user account after the authentication is passed.
  • a user activation request sent by the user terminal is received.
  • the user activation request includes the payment scenario information specified by the user.
  • the user terminal After obtaining the payment scenario information specified by the user, the user terminal encapsulates the payment scenario information in the user activation request and sends it to the payment server.
  • step 220 obtain the biometric template of the user.
  • the payment server can learn the user's account from the user's login information, and obtain the user's biometric template based on the user's account.
  • the way the payment server obtains the biometric template is not limited.
  • the payment server can request the user’s biometric template from an official institution (such as the public security organ); the payment server can query the biometric template library already stored in the payment system.
  • the user’s biometric template after receiving the user’s activation request, the payment server can use other methods (other than the biometric authentication used by the activated dual offline payment function, such as passwords, SMS, Security issues, etc.)
  • the user terminal is instructed to obtain and upload the user's biometric information, and generate the user's biometric template according to the uploaded biometric information; other methods are also possible.
  • step 230 the corresponding relationship between the payment scenario information, the user's biometric template, and the user's account is saved.
  • a list of users who have activated the dual offline payment function can be maintained on the payment server. After a certain user is permitted to activate the payment function for a certain dual offline payment scenario, the payment scenario information specified by the user, the user’s biometric template, and the The corresponding relationship of the user's account is saved in the list.
  • the payment server may also use any other method to store the above-mentioned corresponding relationship, which is not limited.
  • the payment server may perform identity authentication on the user before saving the above-mentioned corresponding relationship.
  • the user terminal may collect the user's biometric information in the activation process, and upload the collected biometric information to the payment server.
  • the user terminal may carry the collected biometric information in the user activation request; it may also be that after the user terminal sends the user activation request, the user's biometric information is collected and uploaded according to the instructions of the payment server.
  • the payment server compares the user’s biometric information uploaded by the user terminal with the user’s biometric template.
  • the payment is saved Scene information, the biometric template of the user, and the corresponding relationship of the user account; otherwise, the user terminal is notified that the user fails to pass the identity authentication, and the activation process fails.
  • a system activation request is sent to the payee system.
  • the system activation request includes the payment scenario information specified by the user, the correspondence between the user’s biometric template and the user’s account, and the payment device of the payee’s system is in a dual offline payment scenario that matches the payment scenario information.
  • the user is authenticated based on the biometric template, and the payment of the user account is approved after the authentication is passed.
  • step 310 receives a system activation request from the payment server.
  • step 320 the receiving device is determined according to the payment scenario information, and the corresponding relationship between the user’s biometric template and the user’s account is issued to the receiving device to be used by the receiving device of the payee’s system
  • the user is authenticated based on the biometric template, and the payment of the user account is approved after the authentication is passed.
  • the payment server According to the saved payment scenario information, the user's biometric template, and the correspondence between the user account, the payment server generates a system activation request.
  • the system activation request includes the payment scenario information specified by the user requesting activation, the user's biometric template, and the user Correspondence of accounts.
  • the payment server sends a system activation request to the payment server of the payee system.
  • the collection server can save the payment scenario information specified by the user in the system activation request, the user's biometric template and the corresponding relationship of the user account in an accessible storage space.
  • the collection server determines the collection device according to the payment scenario information in the system activation request, and issues the corresponding relationship between the user's biometric template and the user account to the collection device; the collection device associates the user's biometric template with the user account The corresponding relationship is saved locally.
  • the collection server can also deliver the payment scenario information, the user's biometric template, and the corresponding relationship of the user account to the collection device, and the collection device saves it locally after receiving it.
  • the user terminal sends a user activation request to the payment server based on the payment scenario information specified by the user, and the payment server generates and saves the payment scenario information, the user’s biometric template, and the user’s account.
  • the corresponding relationship is sent to the payee system for storage, so that the payee system authenticates the user based on the biometric template in the dual offline payment scenario matching the payment scenario information, and then approves the payment of the user account, so that the user can pay in the dual offline payment scenario.
  • the biometric information is directly used to complete the payment, which reduces the user's payment time, and the biometric authentication has a higher degree of security, which improves payment efficiency and achieves better security.
  • the second embodiment of this specification proposes a new dual offline payment collection method.
  • the user's biometric template and the corresponding relationship with the user account are stored on the collection device.
  • the collection device collects users in the dual offline payment only scenario
  • the user’s account corresponding to the biometric template matching the collected biometric information is used as the payer, and the user’s payment is recognized, so that the user does not need to perform complicated operations to generate a payment code, reducing the user’s payment Time, and the use of biometric authentication can achieve higher security.
  • the user can pay through biometrics.
  • the payment process is usually completed independently by the payment device, and the payment device does not need to communicate with other devices during the payment process.
  • the process of applying the dual offline payment method to the payment collection device is shown in FIG. 5.
  • the payment collection device stores the biometric template of all users who have been enabled for dual offline payment in the payment scenario where the payment collection device works and the corresponding relationship between the user’s account; in other words, the user specifies when the dual offline payment function is activated With the payment scenario information, the payment device in the payment scenario with the designated payment scenario information will save the correspondence between the user's biometric template and the user's account.
  • step 510 in the dual offline payment scenario, obtain the user's biometric information.
  • the payment collection device can use various methods to collect the user's biometric information on-site in the dual offline payment scenario, such as taking the user's face image, collecting the user's fingerprint image, etc., which are not limited.
  • step 520 when the obtained biometric information matches the biometric template of a certain user in the locally stored correspondence, the payment of the user’s account is approved, and the obtained biometric information and relative information are saved. The corresponding user account.
  • the collection device After acquiring the user’s biometric information, the collection device compares the saved biometric template of each user who has activated the dual offline payment function with the acquired biometric information. If a user’s biometric template matches all If the biometric information is acquired, the payment device approves the payment of the user account corresponding to the biometric template, that is to say, the user account corresponding to the biometric data matching the acquired biometric information will be used to pay the payment The party performs the money transfer; the payment device establishes a correspondence between the obtained biometric information and the user account used for payment, and saves the obtained biometric information and the corresponding user account.
  • the specific method for the payment collection device to determine whether the collected biometric information matches the saved biometric template can be implemented with reference to the prior art, and will not be repeated.
  • the collection device can also save the payment information related to the current collection when saving the acquired biometric information and the corresponding user account.
  • the payment information can be any information used to determine the payment amount in the actual application scenario.
  • the dual offline payment scenario of the bus fare it can be the user’s fare or the user’s boarding station name and
  • the name of the getting off station can also be the number of stations between the user getting on and off the train; another example is the name and price of the goods or services purchased by the user on the plane in the dual offline payment scenario of an airplane flight.
  • the payment collection device can also save payment scene information of the payment scene that recognizes the user's payment, the acquired biometric information, and the corresponding user account.
  • the payment scenario information can be generated by the collection device itself, or it can be obtained by the collection device from the corresponding relationship between the payment scenario information specified by the user who has opened dual offline payment, the user's biometric template, and the user account stored locally. .
  • the payment device does not approve the user's payment, and the user needs to use other methods To make the payment.
  • the payment collection device collects the user's biometric information on-site in the dual offline payment scenario, and compares it with the biometric template in the correspondence between the user's biometric template and the user account stored in it. And recognize the payment of the user account corresponding to the matching biometric template, so that the user can get rid of the cumbersome operation of generating a payment code, and achieve higher payment security while reducing the user's payment time.
  • the third embodiment of this specification proposes a new dual-offline payment settlement method.
  • the collection server will recognize the payment scenario information of the payment scenario in which the user pays, the user's biometric information collected in the payment scenario, and the user's account and payment.
  • the information is sent to the payment server, and the payment server verifies that the user’s biometric information matches the saved payment scenario information corresponding to the dual offline payment scenario and the user’s biometric template of the user account, and then transfers the funds according to the payment information, so that the user is In the dual offline payment-only environment, payment can be made without complicated operations to generate a payment code, which reduces the user's payment time, and the use of biometric authentication can achieve higher security.
  • the payee system When the receiving device of the payee system approves the user's payment in the dual offline payment environment, after the receiving device leaves the dual offline environment and the remote network connection is restored, the payee system can settle the payment with the payment server. The payment corresponding to the user's payment approved in the offline environment is transferred from the user's account on the payment server to the payee's account.
  • the settlement process of dual offline payment usually does not require the participation of users and user terminals.
  • communication can be carried out between the collection device and the collection server, and between the collection server and the payment server.
  • the composition of the payee system and the communication method with the payment server can be the same as the network shown in Figure 1. .
  • the payment server saves the payment scenario information specified by the user who initiated the dual offline payment, the user's biometric template and the corresponding relationship between the user account, and the payment device of the payee system saves the account for the dual offline payment.
  • the payee system may also store the payment scenario information specified by the user who has enabled dual offline payment, the user's biometric template, and the corresponding relationship between the user account on the payment server.
  • the flow of the dual offline payment settlement method applied to the collection server of the payee system is shown in FIG. 6, and the flow applied to the payment server is shown in FIG. 7.
  • step 610 the deduction request from the collection device is received.
  • the deduction request includes the user's biometric information and the corresponding user's account, and payment information obtained by the payment collection device in a payment scenario that approves the user's payment.
  • the payment information may be any information that enables the payment server to determine the specific amount of money to be transferred from the user account to the payee account in an actual application scenario, and is not limited.
  • the payee system can settle with the payment server the user payment approved in the dual offline scenario.
  • the collection device restores the network connection with the collection server, it encapsulates the user's biometric information and the corresponding user account and payment information collected in the dual offline scenario where the user is authorized to pay in the deduction request , Sent to the collection server.
  • the payment collection device may also encapsulate the payment scenario information of the dual offline payment scenario that recognizes the user's payment in the payment request.
  • a settlement request is sent to the payment server.
  • the settlement request includes the payment scenario information of the payment scenario that approves the user's payment, the user's biometric information and the corresponding user account obtained in the payment scenario, and payment information.
  • step 710 a settlement request is received from the payee system.
  • the collection server can determine the payment scenario information of the dual offline payment scenario that the request involves, according to the collection device that sent the deduction request; if The payment scenario information is carried in the deduction request, and the collection server can directly extract the payment scenario information from the deduction request.
  • the collection server encapsulates the payment scenario information involved in the deduction request (that is, the payment scenario information of the payment scenario that recognizes the user's payment), the user's biometric information and the corresponding user account in the deduction request, and the payment information in the settlement request. In, sent to the payment server.
  • the collection server saves the payment scenario information specified by the user who has opened dual offline payment, the user’s biometric template, and the correspondence between the user’s account, you can query the payment scenario involved in the deduction request in the saved correspondence Information and the biometric template corresponding to the user account in the deduction request, compare the queried biometric template with the biometric information in the deduction request; if the two match, then the biometric information in the deduction request
  • the collection server encapsulates the payment scenario information involved in the deduction request, the biometric information of the user in the deduction request and the corresponding user account, and the payment information in the settlement request, and sends it to the payment server.
  • the receiving server will not generate a settlement request based on the deduction request.
  • step 720 the user’s biometric template corresponding to the user’s account in the settlement request and the payment scenario information matching the payment scenario that approved the user’s payment in the saved correspondence is used to compare the biometrics in the settlement request.
  • the information is verified, and after the verification is passed, the transfer from the user's account to the payee's account is performed based on the payment information.
  • the payment server saves the payment scenario information specified by the user who has opened the dual offline payment, the user's biometric template and the corresponding relationship of the user's account.
  • the payment server searches for the biometric template corresponding to the payment scenario information and the user account in the settlement request in the stored correspondence.
  • the payment server After finding the corresponding biometric template, the payment server compares whether the found biometric template matches the biometric information in the settlement request. If the two match, the biometric information in the settlement request is verified, and the payment server executes the transfer from the user account in the settlement request to the payee account, and the transfer amount is determined by the payment information in the settlement request.
  • step 730 a settlement response is returned to the payee system.
  • step 630 the settlement response returned by the payment server is received.
  • the settlement response is determined by the payment server based on whether the payment scenario information of the payment scenario that approved the user's payment and the user's biometric template corresponding to the user account in the settlement request matches the biometrics in the settlement request according to the stored correspondence
  • the verification result of the information is returned.
  • the payment server After the payment server completes the transfer from the user account in the settlement request to the payee account, it returns a settlement response that the settlement is successful to the payee server. If the payment server does not find the payment scenario information involved in the settlement request and the biometric template corresponding to the user account in the settlement request in the stored correspondence, it returns a settlement response that the settlement fails to the collection server. If the biometric information in the settlement request fails to pass the verification of the payment server, the payment server also returns a settlement response that the settlement fails to the collection server.
  • the payee system sends the payment scenario information in the dual offline payment scenario, the user biometric information collected in the payment scenario, the corresponding user account and payment information to the payment server, After the payment server verifies that the user's biometric information matches the saved payment scenario information corresponding to the dual offline payment scenario and the user biometric template of the user account, the payment is transferred, so that the user does not need to be in the dual offline payment scenario
  • the payment code is generated through cumbersome operations, and the payment can be completed by directly using its biometric information, which reduces the user's payment time and achieves higher security.
  • a third-party payment institution and a bus company jointly provide passengers with the function of brushing their faces and riding the bus.
  • the third-party payment institution issues a virtual bus card to the user.
  • the user can use the bus card to ride the bus.
  • the cost of the bus card is settled through the user’s account with the third-party payment institution.
  • the user’s account includes two Part, the user’s account and bus card number in the third-party payment institution.
  • Each city issues different types of bus cards, and the user's bus card type and bus card number are stored locally in the terminal by the client App of the third-party payment structure on the user terminal.
  • the bus company's system includes a collection server and a machine (a type of collection device) installed on the bus.
  • the collection server includes the back-end server of the bus company and the back-end server of the machine.
  • the back-end server of the bus company is responsible for communicating with the payment server of the third-party payment institution.
  • Each back-end server of the machine is responsible for communicating with the machines on several bus lines in a certain city. To communicate.
  • the user specifies the bus line to be opened in the payment App of the third-party payment institution on the terminal, and instructs the opening of the face-swiping function.
  • the payment App receives the bus line input by the user, obtains the bus card type and bus card number saved on the user terminal, uses the bus line and bus card type as payment scenario information, encapsulates the payment scenario information and bus card number in the user activation request, and sends it to Payment server.
  • the payment server obtains the user's face template (a kind of biometric template) from the server of the public security system according to the user account using the payment App.
  • the payment server instructs the payment App to initiate face verification, and the payment App on the user terminal collects the user's facial image (a type of biometric information) and uploads it to the payment server.
  • the payment server checks whether the uploaded facial image matches the user’s face template. If it matches, the payment server will send the user’s specified bus route, bus card type, bus card number, user’s face template, and the user’s face template to the user’s activation request.
  • the user's corresponding relationship in the account of the third-party payment institution is saved, and the corresponding relationship is encapsulated in the system activation request and sent to the back-end server of the bus company.
  • the back-end server of the bus company saves the bus line, bus card type, bus card number, the user’s face template, and the user’s account with a third-party payment institution specified by the user in the system activation request, according to the bus card type and user
  • the designated bus line determines the machine back-end server, and issues the bus line, bus card type, bus card number, the user's face template, and the corresponding relationship of the user's account with the third-party payment institution to the determined machine back-end server.
  • the machine background server issues the user's face template, bus card type, bus card number, and the corresponding relationship between the user's account with a third-party payment institution to all the machines on the bus route. After the machine receives it, it saves the issued corresponding relationship locally, and returns a successful save response to the machine back-end server.
  • the machine back-end server After all the machines on the bus route return a successful save response to the machine back-end server, the machine back-end server returns a successful delivery response to the bus company back-end server, and the bus company back-end server returns a successful activation response to the payment server.
  • the payment server notifies that the payment App is successfully activated, and the payment App is displayed to the user. If a user-designated machine on the bus line returns a response of unsuccessful saving to the machine background server, the machine background server returns a response of unsuccessful saving to the bus company background server, and the bus company background server returns a response of failed activation to the payment server.
  • the payment server notifies the payment App that the activation fails, and the payment App is displayed to the user.
  • the user can swipe her face to ride on the designated bus route.
  • Each machine on a designated bus line saves all the user's face templates, bus card type, bus card number, and the user's account with a third-party payment institution for the user who has enabled dual offline payment on the bus line.
  • the machine on the bus collects the user’s face image on the spot, and compares it with the saved face template of the user who has enabled dual offline payment. If there is a face template and the collection If the face image of the user matches, the bus card number corresponding to the face template and the user's account with the third-party payment institution are the payers of the ride fare.
  • the machine prompts the user to swipe the face successfully, saves the corresponding relationship between the collected facial image and the payer, that is, the bus card number and the user’s account at a third-party payment institution, and the user’s bus card type, and saves the user’s current ride.
  • the ride cost of the car (a kind of payment information).
  • the machine If there is no face template that matches the collected facial image, the machine prompts the user to fail to brush his face, and the user can use other methods to pay for the ride.
  • the machine encapsulates the bus line where the machine is located, the facial image collected by the machine while the user is on the bus, the corresponding bus card type, the bus card number, and the user's account with a third-party payment institution, and the user's ride fee.
  • the machine back-end server forwards the deduction request to the bus company back-end server.
  • the back-end server of the bus company extracts the bus line, bus card type, bus card number and the user’s account in the third-party payment institution in the deduction request, and saves the bus line, bus card type, bus The card number, the user’s face template, and the user search for the corresponding user’s face template in the corresponding relationship of the account of the third-party payment institution, and check whether the face image in the deduction request matches the user’s face template. Verify the face image in the deduction request.
  • the bus company back-end server encapsulates the bus card type, the bus line in the deduction request, the bus card number, the user's account with a third-party payment institution, the user's face image, and the fare in the settlement request, and sends it To the payment server.
  • the payment server extracts the bus card type, bus line, bus card number and the user’s account with a third-party payment institution in the settlement request, and saves the bus line, bus card type, bus card number, and the user’s designated bus line, bus card type, bus card number, and
  • the user’s face template the user finds the corresponding user face template in the corresponding relationship of the account of the third-party payment institution, and the settlement request is made by comparing whether the face image in the settlement request matches the found face template To verify the face image in.
  • the payment server deducts the amount of the ride fee in the settlement request from the account of the third-party payment institution in the settlement request, and the payment in the account of the third-party payment institution of the bus company The increase in the amount is the payment for the ride fee in the settlement request.
  • the payment server returns a settlement response that the settlement is successful to the back-end server of the bus company.
  • the embodiments of this specification also provide a dual offline payment activation device applied to a payment server, a dual offline payment activation device applied to a payee system, and a user terminal Dual offline payment activation device, a dual offline payment collection device applied to the payee system's collection device, a dual offline payment settlement device applied to the payee system, and a payment device
  • the server's dual offline payment settlement device All of the above-mentioned devices can be implemented by software, or can be implemented by hardware or a combination of software and hardware. Taking software implementation as an example, as a logical device, it is formed by reading the corresponding computer program instructions into the memory by the CPU (Central Process Unit, central processing unit) of the device where it is located.
  • CPU Central Process Unit, central processing unit
  • the device where the above-mentioned device is located usually also includes other hardware such as chips for wireless signal transmission and reception, and/or for implementing network communication functions.
  • Other hardware such as boards.
  • the embodiment of this specification provides a dual offline payment activation device, which is applied to a payment server.
  • the device includes a user activation receiving unit, a feature template acquiring unit, a first activation storage unit, and a system activation sending unit, wherein: user activation receiving unit The unit is used to receive the user activation request sent by the user terminal; the user activation request includes the payment scenario information specified by the user; the feature template obtaining unit is used to obtain the biometric template of the user; the first activation storage unit is used to store all The payment scenario information, the user’s biometric template, and the corresponding relationship of the user’s account; the system activation sending unit is used to send a system activation request to the payee system, and the system activation request includes the user specified Payment scenario information, the corresponding relationship between the user’s biometric template and the user’s account, for the collection device of the payee system in a dual offline payment scenario matching the payment scenario information, based on the biometrics
  • the template authenticates the user, and the payment
  • the device further includes a characteristic information receiving unit, configured to receive the user's biological characteristic information collected and uploaded by the user terminal; the first activation storage unit is specifically configured to: when the user terminal uploads When the biometric information matches the user's biometric template, the corresponding relationship between the payment scenario information, the user's biometric template, and the user's account is saved.
  • a characteristic information receiving unit configured to receive the user's biological characteristic information collected and uploaded by the user terminal
  • the first activation storage unit is specifically configured to: when the user terminal uploads When the biometric information matches the user's biometric template, the corresponding relationship between the payment scenario information, the user's biometric template, and the user's account is saved.
  • the embodiment of this specification provides a dual offline payment activation device, which is applied to the collection server of the payee system.
  • the device includes a system activation receiving unit and a template and account issuing unit.
  • the system activation receiving unit is used for Receiving a system activation request from the payment server, the system activation request including the payment scenario information specified by the user requesting activation, the corresponding relationship between the user's biometric template and the user's account; the template and account issuing unit, It is used to determine the payment device according to the payment scenario information, and to deliver the corresponding relationship between the biometric template of the user and the user account to the payment device for the payment device of the payee system
  • a dual offline payment scenario that matches the payment scenario information specified by the user, the user is authenticated based on the biometric template, and the payment of the user account is approved after the authentication is passed.
  • the payment scenario information includes bus routes and bus card types;
  • the collection server includes a bus company back-end server and a machine tool back-end server;
  • the user’s account includes the user’s account on the payment server and the user
  • the template and account issuing unit is specifically used for: the bus company back-end server determines the machine back-end server according to the bus line and bus card type, and sends the bus line and the user's biological characteristics to the machine back-end server Template, the corresponding relationship between the user account;
  • the machine back-end server delivers the corresponding relationship between the user's biometric template and the user account to all collection devices on the bus route.
  • the embodiment of this specification provides a dual offline payment activation device, which is applied to a user terminal, the device includes a payment scenario specifying unit and a user activation sending unit, wherein: the payment scenario specifying unit is used to obtain payment scenario information specified by the user; The user activation sending unit is configured to send a user activation request including the payment scenario information to the payment server according to the user’s instruction, so that the payment server can save the payment scenario information, the user’s biometric template, and the user’s account information.
  • the user is authenticated based on the biometric template, and the payment of the user account is approved after the authentication is passed.
  • the device further includes: an activation feature information unit, configured to collect the user's biometric information and upload it to the payment server for the payment server to save the payment scene information, the user's biometric template, Before the corresponding relationship of the user's account, the user is authenticated according to the uploaded biometric information and the biometric template of the user.
  • an activation feature information unit configured to collect the user's biometric information and upload it to the payment server for the payment server to save the payment scene information, the user's biometric template, Before the corresponding relationship of the user's account, the user is authenticated according to the uploaded biometric information and the biometric template of the user.
  • the payment scenario specifying unit is specifically configured to: receive the bus route input by the user, obtain the bus card type saved on the user terminal, and use the bus route and the bus card type to generate payment scenario information; the device further includes The bus card number obtaining unit is used to obtain the user's bus card number saved on the user terminal; the user's account includes: the user's account on the payment server and the user's bus card number.
  • the payment scene information specified by the user includes one of the following: bus routes, flights and dates, or railway train numbers and dates; the biological characteristics include one of the following: human face, fingerprint, or iris.
  • the embodiment of this specification provides a dual offline payment collection device, which is applied to the collection device of the payee system.
  • the collection device stores the biometric template of the user who has opened dual offline payment and the user
  • the device includes a feature information collection unit and a payment verification unit, wherein: the feature information collection unit is used to obtain the user’s biometric information in the dual offline payment scenario; the payment verification unit is used to When the characteristic information matches the biometric template of a certain user in the locally stored correspondence relationship, the payment of the user account is approved, and the obtained biometric information and the corresponding user's account are saved.
  • the payment scene information includes one of the following: bus routes, flights and dates, or train numbers and dates;
  • the biological characteristics include one of the following: human face, fingerprint, or iris.
  • the embodiment of this specification provides a dual offline payment settlement device, which is applied to the collection server of the payee system.
  • the device includes a deduction request receiving unit, a settlement request sending unit, and a settlement response receiving unit, wherein: deduction The request receiving unit is configured to receive a deduction request from the payment collection device, the deduction request includes the user's biometric information and the corresponding user's account, and payment information acquired by the payment collection device in a payment scenario that approves the user's payment
  • the settlement request sending unit is used to send a settlement request to the payment server, the settlement request including the payment scenario information of the payment scenario, the user's biometric information and the corresponding user account obtained in the payment scenario, and Payment information; the payment server saves the payment scenario information, the user’s biometric template, and the corresponding relationship of the user’s account; the settlement response receiving unit is used to receive the settlement response returned by the payment server, and the settlement response is determined by the payment server according to In the saved correspondence, the payment scenario information of the payment scenario that approves the user'
  • the payee server saves the payment scenario information, the user's biometric template, and the corresponding relationship of the user's account;
  • the settlement request sending unit is specifically configured to: determine the payment of the payment scenario that recognizes the user's payment Scene information, using the user’s biometric template corresponding to the payment scene information and the user’s account in the deduction request in the saved correspondence relationship to verify the biometric information in the deduction request, and the verification is passed.
  • the payment server sends a settlement request.
  • the payment scenario information includes bus lines and bus card types;
  • the collection server includes a bus company back-end server and a machine tool back-end server;
  • the payment device is a machine tool;
  • the settlement request is sent by the bus company back-end server To the payment server;
  • the settlement response is received by the back-end server of the bus company from the payment server;
  • the deduction request is received from the back-end server of the machine tool and then forwarded to the back-end server of the bus company.
  • the embodiment of this specification provides a dual-offline payment settlement device, which is applied to a payment server.
  • the payment server stores payment scenario information, a user’s biometric template, and the corresponding relationship of the user’s account.
  • the device includes settlement The request receiving unit, the settlement unit, and the settlement response sending unit, wherein: the settlement request receiving unit is used to receive a settlement request from the payee system, and the settlement request includes the payment scenario information of the payment scenario in which the payee system recognizes the user's payment, The user’s biometric information and the corresponding user’s account and payment information obtained in the payment scenario; the settlement unit is used to adopt the saved correspondence relationship with the user’s account in the settlement request and match the payment of the approved user
  • the biometric template of the user corresponding to the payment scenario information of the payment scenario verifies the biometric information in the settlement request, and performs transfer from the user’s account to the payee account based on the payment information after the verification is passed ;
  • the settlement response sending unit is used to return
  • the payment scene information includes one of the following: bus routes, flights and dates, or train numbers and dates;
  • the biological characteristics include one of the following: human face, fingerprint, or iris.
  • the embodiments of this specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be run by the processor; when the processor runs the stored computer program, it executes the steps of the dual offline payment activation method applied to the payment server in the embodiments of this specification. Please refer to the previous content for a detailed description of the steps of the dual offline payment activation method applied to the payment server, and will not be repeated.
  • the embodiments of this specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be run by the processor; when the processor runs the stored computer program, it executes each of the dual offline payment activation methods applied to the collection server of the payee system in the embodiments of this specification. step. Please refer to the previous content for a detailed description of the steps of the dual offline payment activation method applied to the collection server of the payee system, and will not be repeated.
  • the embodiments of this specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be run by the processor; when the processor runs the stored computer program, it executes the steps of the dual offline payment activation method applied to the user terminal in the embodiments of this specification.
  • the steps of the dual offline payment activation method applied to the user terminal please refer to the previous content and will not be repeated.
  • the embodiments of this specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be run by the processor; when the processor runs the stored computer program, it executes each of the dual offline payment collection methods applied to the collection device of the payee system in the embodiments of this specification. step. Please refer to the previous content for a detailed description of the steps of the dual offline payment collection method applied to the collection device of the payee system, and will not be repeated.
  • the embodiments of this specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be run by the processor; when the processor runs the stored computer program, it executes each of the dual offline payment settlement methods applied to the payment server of the payee system in the embodiments of this specification. step. Please refer to the previous content for a detailed description of the steps of the dual offline payment settlement method applied to the collection server of the payee system, and will not be repeated.
  • the embodiments of this specification provide a computer device including a memory and a processor.
  • the memory stores a computer program that can be run by the processor; when the processor runs the stored computer program, it executes the steps of the dual offline payment settlement method applied to the payment server in the embodiments of this specification. Please refer to the previous content for a detailed description of the steps of the dual offline payment settlement method applied to the payment server, and will not be repeated.
  • the embodiment of this specification provides a computer-readable storage medium on which computer programs are stored. These computer programs, when run by a processor, execute the dual offline payment application applied to the payment server in the embodiment of this specification.
  • the steps of the method Please refer to the previous content for a detailed description of the steps of the dual offline payment activation method applied to the payment server, and will not be repeated.
  • the embodiment of this specification provides a computer-readable storage medium on which computer programs are stored. When run by a processor, these computer programs execute the payment server applied to the payee system in the embodiment of this specification.
  • the steps of the dual offline payment activation method Please refer to the previous content for a detailed description of the steps of the dual offline payment activation method applied to the collection server of the payee system, and will not be repeated.
  • the embodiment of this specification provides a computer-readable storage medium on which computer programs are stored. These computer programs, when run by a processor, execute the dual offline payment application applied to the user terminal in the embodiment of this specification.
  • the steps of the method For a detailed description of the steps of the dual offline payment activation method applied to the user terminal, please refer to the previous content and will not be repeated.
  • the embodiments of this specification provide a computer-readable storage medium on which computer programs are stored. These computer programs, when run by a processor, execute the methods applied to the collection device of the payee system in the embodiments of this specification. Each step of the collection method of dual offline payment. Please refer to the previous content for a detailed description of the steps of the dual offline payment collection method applied to the collection device of the payee system, and will not be repeated.
  • the embodiment of this specification provides a computer-readable storage medium on which computer programs are stored. These computer programs, when run by a processor, execute the payment server applied to the payee system in the embodiment of this specification
  • the individual steps of the dual offline payment settlement method Please refer to the previous content for a detailed description of the steps of the dual offline payment settlement method applied to the collection server of the payee system, and will not be repeated.
  • the embodiment of this specification provides a computer-readable storage medium on which computer programs are stored. These computer programs, when run by a processor, execute the dual offline payment settlement applied to the payment server in the embodiment of this specification.
  • the steps of the method Please refer to the previous content for a detailed description of the steps of the dual offline payment settlement method applied to the payment server, and will not be repeated.
  • the computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
  • processors CPUs
  • input/output interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-permanent memory in computer readable media, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer readable media.
  • RAM random access memory
  • ROM read-only memory
  • flash RAM flash memory
  • Computer-readable media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology.
  • the information can be computer-readable instructions, data structures, program modules, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.
  • the embodiments of this specification can be provided as methods, systems or computer program products. Therefore, the embodiments of this specification may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the embodiments of this specification can be in the form of computer program products implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes. .
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.

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Abstract

一种双离线支付的开通方法，应用于支付服务器，所述方法包括：接收用户终端发送的用户开通请求；所述用户开通请求中包括用户指定的支付场景信息（210）；获取所述用户的生物特征模板（220）；保存所述支付场景信息、所述用户的生物特征模板、所述用户的账户的对应关系（230）；基于所述支付场景信息，向收款方系统发送系统开通请求，所述系统开通请求中包括所述用户的生物特征模板与所述用户的账户的对应关系（240），供收款方系统的收款设备在匹配于所述支付场景信息的双离线支付场景中，基于所述生物特征模板对用户进行认证，在认证通过后认可所述用户账户的付款。

Description

双离线支付的开通、收款、结算方法和装置 技术领域
本说明书涉及网络通信技术领域，尤其涉及一种双离线支付的开通、收款、结算方法和装置。
背景技术
在网络支付中，通常的情形是用户终端(付款方设备)和收款方系统的收款设备中至少一方能够直接、或间接(通过其他设备或服务器)与支付服务器进行通信，向支付服务器发出支付或收款的请求，支付服务器根据收到的请求进行款项的实时划转。而双离线支付是指在支付发生时，用户终端和收款设备都不能直接或间接与支付服务器进行实时通信的应用场景，也就是说，用户终端和收款设备相对于支付服务器都处于离线状态。
由于双离线支付发生时没有支付服务器的参与，款项无法实时从付款方账户转移至收款方账户，因此双离线支付场景对支付的安全性提出了更高的要求，而达到更高的安全性往往会导致支付过程的繁琐，造成付款方和收款方的不便。
发明内容
有鉴于此，本说明书提供一种双离线支付的开通方法，应用于支付服务器，所述方法包括：
接收用户终端发送的用户开通请求；所述用户开通请求中包括用户指定的支付场景信息；
获取所述用户的生物特征模板；
保存所述支付场景信息、所述用户的生物特征模板、所述用户的账户的对应关系；
基于所述支付场景信息，向收款方系统发送系统开通请求，所述系统开通请求中包括所述用户的生物特征模板与所述用户的账户的对应关系，供收款方系统的收款设备在匹配于所述支付场景信息的双离线支付场景中，基于所述生物特征模板对用户进行认证，在认证通过后认可所述用户账户的付款。
本说明书提供的一种双离线支付的开通方法，应用于收款方系统的收款服务器，所 述方法包括：
接收来自支付服务器的系统开通请求，所述系统开通请求中包括请求开通的用户指定的支付场景信息、所述用户的生物特征模板和所述用户的账户的对应关系；
根据所述支付场景信息确定收款设备，向所述收款设备下发所述用户的生物特征模板和所述用户账户的对应关系，用来由所述收款设备在匹配于所述用户指定的支付场景信息的双离线支付场景中，基于所述生物特征模板对用户进行认证，在认证通过后认可所述用户账户的付款。
本说明书提供的一种双离线支付的开通方法，应用于用户终端，所述方法包括：
获取用户指定的支付场景信息；
根据用户的指示，向支付服务器发送包括所述支付场景信息的用户开通请求，供支付服务器保存所述支付场景信息、所述用户的生物特征模板、所述用户的账户的对应关系，并将所述用户的生物特征模板和所述用户账户的对应关系发送给收款方系统，用来由收款方系统的收款设备在匹配于所述支付场景信息的双离线支付场景中，基于所述生物特征模板对用户进行认证，在认证通过后认可所述用户账户的付款。
本说明书提供的一种双离线支付的收款方法，应用于收款方系统的收款设备，所述收款设备上保存有已开通双离线支付的用户的生物特征模板和所述用户的账户的对应关系，所述方法包括：
在双离线支付场景中，获取用户的生物特征信息；
当所获取的生物特征信息匹配于本地保存的对应关系中某个用户的生物特征模板时，认可所述用户账户的付款，并保存所获取的生物特征信息和相对应的所述用户的账户。
本说明书提供的一种双离线支付的结算方法，
应用于收款方系统的收款服务器，所述方法包括：
接收收款设备的扣款请求，所述扣款请求中包括收款设备在认可用户付款的支付场景中获取的用户的生物特征信息和相对应的用户的账户、以及款项信息；
向支付服务器发送结算请求，所述结算请求中包括所述支付场景的支付场景信息、在所述支付场景中获取的用户的生物特征信息和相对应的用户账户、以及款项信息；所述支付服务器保存有支付场景信息、用户的生物特征模板、所述用户的账户的对应关系；
接收支付服务器返回的结算响应，所述结算响应由支付服务器根据所保存的对应关 系中，与认可用户付款的支付场景的支付场景信息和所述结算请求中的用户账户对应的用户的生物特征模板，是否匹配于结算请求中的生物特征信息的验证结果返回。
本说明书提供的一种双离线支付的结算方法，应用于支付服务器，所述支付服务器保存有支付场景信息、用户的生物特征模板、所述用户的账户的对应关系，所述方法包括：
从收款方系统接收结算请求，所述结算请求中包括收款方系统认可用户付款的支付场景的支付场景信息、在所述支付场景中获取的用户的生物特征信息和相对应的用户的账户、以及款项信息；
采用保存的所述对应关系中与结算请求中用户的账户和匹配于认可用户付款的支付场景的支付场景信息相对应的用户的生物特征模板，对结算请求中的生物特征信息进行验证，在验证通过后根据款项信息进行从所述用户的账户到所述收款方账户的转账；
向收款方系统返回结算响应。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于支付服务器的双离线支付的开通方法所述的步骤。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于收款方系统的双离线支付的开通方法所述的步骤。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于用户终端的双离线支付的开通方法所述的步骤。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于收款方系统收款设备的双离线支付的收款方法所述的步骤。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于收款方系统的双离线支付的结算方法所述的步骤。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可 由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述应用于支付服务器的双离线支付的结算方法所述的步骤。
本说明书提供的一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行上述应用于支付服务器的双离线支付的开通方法所述的步骤。
本说明书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，所述计算机程序被处理器运行时，执行上述应用于收款方系统的双离线支付的开通方法所述的步骤。
本说明书提供的一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行上述应用于用户终端的双离线支付的开通方法所述的步骤。
本说明书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，所述计算机程序被处理器运行时，执行上述应用于收款方系统收款设备的双离线支付的收款方法所述的步骤。
本说明书提供的一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行上述应用于收款方系统的双离线支付的结算方法所述的步骤。
本说明书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，所述计算机程序被处理器运行时，执行上述应用于支付服务器的双离线支付的结算方法所述的步骤。
由以上技术方案可见，本说明书的双离线支付的开通实施例中，用户终端基于用户指定的支付场景信息向支付服务器发出用户开通请求，支付服务器生成并保存支付场景信息、用户的生物特征模板、用户的账户的对应关系后，将对应关系发送给收款方系统保存，供收款方系统在匹配于支付场景信息的双离线支付场景中，基于生物特征模板对用户进行认证后认可该用户账户的付款，使得用户在双离线支付场景中不需要通过繁琐的操作生成支付码，直接使用其生物特征信息即可完成付款，减少了用户的支付时间，同时基于生物特征的认证能够达到更高的安全性。
本说明书的双离线支付的收款实施例中，收款方系统的收款设备根据其保存的用户的生物特征模板与用户账户的对应关系，在双离线支付场景中采集用户的生物特征信息，当生物特征信息匹配于保存的对应关系中某个用户的生物特征模板时，认可对应关系中该用户账户的付款，使得用户在双离线支付场景中不需要通过繁琐的操作生成支付码，直接使用其生物特征信息即可完成付款，减少了用户的支付时间，同时基于生物特征的认证能够达到更高的安全性。
本说明书的双离线支付的结算实施例中，收款方系统将双离线支付场景的支付场景 信息、在双离线支付场景中采集的用户生物特征信息、相对应的用户账户和款项信息发送给支付服务器，支付服务器根据保存的支付场景信息、用户的生物特征模板、用户的账户的对应关系，在验证用户的生物特征信息匹配于对应关系中该用户账户和该支付场景信息对应的生物特征模板后，进行款项的划转，使得用户在双离线支付场景中不需要通过繁琐的操作生成支付码，直接使用其生物特征信息即可完成付款，减少了用户的支付时间，同时基于生物特征的认证能够达到更高的安全性。
附图说明
图1是本说明书实施例应用场景的一种网络结构示例图；
图2是本说明书实施例一中一种应用于支付服务器的双离线支付的开通方法的流程图；
图3是本说明书实施例一中一种应用于收款方系统的双离线支付的开通方法的流程图；
图4是本说明书实施例一中一种应用于用户终端的双离线支付的开通方法的流程图；
图5是本说明书实施例二中一种应用于收款方系统收款设备的双离线支付的收款方法的流程图；
图6是本说明书实施例三中一种应用于收款方系统的双离线支付的结算方法的流程图；
图7是本说明书实施例三中一种应用于支付服务器的双离线支付的结算方法的流程图；
图8是本说明书应用示例中一种开通过程中用户终端、支付服务器、公交公司后台服务器、机具后台服务器和机具之间的交互流程图；
图9是本说明书应用示例中一种结算过程中支付服务器、公交公司后台服务器、机具后台服务器和机具之间的交互流程图；
图10是运行本说明书实施例的设备的一种硬件结构图。
具体实施方式
本说明书的实施例中，用户和收款方在某个支付系统中开设有各自的账户，该支付 系统中由支付服务器来响应用户终端和收款方系统的各种请求，并进行用户的账户与收款方账户之间的转账。收款方系统包括收款服务器和收款设备，收款服务器负责与支付服务器进行通信，收款设备用来在双离线支付环境中确定是否认可用户的付款，收款设备在非离线的情况下与收款服务器进行通信，在离线的情况下收款设备通常不能与收款服务器进行通信。
其中，用户终端可以是手机、平板电脑、PC(Personal Computer，个人电脑)、笔记本等设备；收款设备可以是具有生物特征采集功能的固定或手持设备，如手机、平板电脑、PC、笔记本、监控设备等；支付服务器或收款服务器可以是一个物理或逻辑服务器，也可以是由两个或两个以上分担不同职责的物理或逻辑服务器、相互协同来实现本说明书实施例中支付服务器或收款服务器的各项功能；以上均不做限定。
本说明书的各个实施例中，支付场景信息用来确定收款方系统中将在双离线环境中接受用户付款的收款设备，或者说用来确定收款方系统中保存用户生物特征模板的收款设备。可以根据实际应用场景中收款方系统的组成和运营方式，来决定将哪些具体信息作为支付场景信息，不做限定，只要能够根据支付场景信息确定将在双离线环境中为用户提供收款服务的是哪个或哪些收款设备即可。以下举例说明。
在第一个例子中，用户可以指定经常乘坐的公交线路，在这些公交线路上通过生物特征认证来支付乘车费。如果收款方系统只服务于一个城市，可以将公交线路作为支付场景信息。如果收款方系统服务于多个城市，可以将城市标识(如名称或唯一代码)和公交线路作为支付场景信息；若每个城市均使用各自类型的公交卡(即公交卡类型唯一对应于一个城市)，则可以将公交线路和用户的公交卡类型作为支付场景信息。该用户的生物特征模板将被下发到该公交线路所有公交车的所有收款设备上，使用户可以在乘坐该次公交线路时基于生物特征来付款。
在第二个例子中，用户能够在乘坐铁路列车时使用双离线支付功能。可以将用户乘坐的铁路车次及日期作为支付场景信息，该用户的生物特征模板将被下发到该次列车所有的收款设备上，使用户可以在该次列车上基于生物特征来付款。
在第三个例子中，用户能够在乘坐飞机时使用双离线支付功能。可以将用户乘坐的航班及日期作为支付场景信息，该用户的生物特征模板将被下发到该次航班所有的收款设备上，使用户可以在该次列车上基于生物特征来付款。
本说明书的各个实施例中，用户的生物特征是可以用来识别个人身份的一种到多种 人体的物理或行为特征，例如可以是人脸、指纹、掌纹、虹膜中的一到多种。用户的生物特征信息是现场采集的用户的生物特征数据，或者是以现场采集的用户的生物特征数据为基础，经过提取、转换或其他处理后得到的信息，例如可以是现场采集的用户的指纹图像，可以是从现场采集的用户的脸部图像中提取的若干个特定的变量值(如衡量双眼与鼻子的相对位置的变量值等)，还可以是现场采集的将脸部图像进行压缩处理后得到的数据。用户的生物特征模板是经过认证属于用户本人的生物特征数据，或者经过认证属于用户本人的生物特征数据为基础，经过提取、转换或其他处理后得到的数据，用来与生物特征信息进行比对。
在双离线支付环境中，收款方的收款设备通过用户的生物特征对用户进行认证，在通过认证后才会认可用户的付款。由于双离线环境中收款设备不能进行远程通信，用来进行认证的用户的生物特征模板需要预先存储在收款设备上。出于保护用户隐私的考虑，本申请的实施例中在用户开通基于生物特征的双离线支付功能、即经过用户的授权后，才会将用户的生物特征模板下发到收款设备。
本说明书的实施例一提出一种新的双离线支付的开通方法，根据用户指定的开通双离线支付的支付场景，用户终端将支付场景信息发送给支付服务器，支付服务器生成并保存支付场景信息、用户的生物特征模板、用户的账户的对应关系后，将对应关系发送给收款方系统保存，这样收款方系统的收款设备能够在匹配于支付场景信息的双离线支付场景中，基于生物特征模板对用户进行认证后认可该用户账户的付款，从而使得用户能够在双离线支付场景中直接使用其生物特征信息完成付款，减少了用户的支付时间，而基于生物特征的认证具有更高的安全程度，在提高支付效率的同时达到了更好的安全性。
在开通双离线支付功能时，用户终端与支付服务器之间、支付服务器与收款方系统的收款服务器之间、收款服务器与收款设备之间都能够进行通信。其网络结构可以如图1所示。
实施例一中，双离线支付的开通方法应用在支付服务器上的流程如图2所示，应用在收款方系统的收款服务器的流程如图3所示，应用在用户终端上的流程如图4所示。
在用户终端上，步骤410，获取用户指定的支付场景信息。
当用户希望在某个特定的双离线支付场景中采用某个支付系统进行支付时，可以通过其终端来开通该支付场景下的生物特征支付功能。用户可以通过各种方式来启动开通 流程，例如，可以通过在用户终端上该支付系统的客户端软件提供的开通入口，可以通过用户终端上的浏览器访问该支付系统时启动开通流程，还可以是由该用户终端上其他的应用程序访问该支付系统或调用该支付系统的客户端软件来启动开通流程。
在用户启动开通流程后，用户终端获取用户指定的支付场景信息。获取支付场景信息的具体方式本说明书的实施例不做限定，例如，可以由用户终端根据用户在该支付系统的客户端软件的开通界面的选择操作来确定，可以由用户终端接收用户在访问该支付系统的浏览页面时的手动输入，可以由用户终端上调用该支付系统客户端软件的其他应用程序在调用命令中携带。
在用户终端上，步骤420，根据用户的指示，向支付服务器发送包括该支付场景信息的用户开通请求，供支付服务器保存该支付场景信息、该用户的生物特征模板、该用户的账户的对应关系，并将该用户的生物特征模板和该用户账户的对应关系发送给收款方系统，用来由收款方系统的收款设备在匹配于该支付场景信息的双离线支付场景中，基于该生物特征模板对用户进行认证，在认证通过后认可该用户账户的付款。
在支付服务器上，步骤210，接收用户终端发送的用户开通请求。该用户开通请求中包括用户指定的支付场景信息。
用户终端在获取用户指定的支付场景信息后，将支付场景信息封装在用户开通请求中发送给支付服务器。
在支付服务器上，步骤220，获取该用户的生物特征模板。
通常用户终端在启动开通流程时，该用户已经登录支付系统。支付服务器可以从该用户的登录信息中得知该用户的账户，并基于用户账户来获取该用户的生物特征模板。
支付服务器获取生物特征模板的方式不做限定，可以由支付服务器向官方机构(如公安机关)请求该用户的生物特征模板；可以由支付服务器在本支付系统已经存储的生物特征模板库中查询该用户的生物特征模板；可以由支付服务器在收到用户开通请求后，在通过其他方式(除所开通的双离线支付功能所使用的生物特征认证之外的其他身份认证方式，如密码、短信、安全问题等)对用户进行身份认证后，指令该用户终端获取并上传该用户的生物特征信息，并根据上传的生物特征信息生成该用户的生物特征模板；还可以是其他方式。
在支付服务器上，步骤230，保存该支付场景信息、该用户的生物特征模板、该用户的账户的对应关系。
可以在支付服务器上维护已开通双离线支付功能的用户列表，在准许某个用户开通某个双离线支付场景的支付功能后，将该用户指定的支付场景信息、该用户的生物特征模板、该用户的账户的对应关系保存在列表中。当然，支付服务器也可以采用任何其他方式来保存上述对应关系，不做限定。
支付服务器可以在保存上述对应关系前，先对用户进行身份认证。在一个例子中，可以由用户终端在开通流程中采集用户的生物特征信息，并将所采集的生物特征信息上传给支付服务器。可以由用户终端在用户开通请求中携带所采集的生物特征信息；也可以是在用户终端发送用户开通请求后，再根据支付服务器的指令，采集并上传用户的生物特征信息。支付服务器将用户终端上传的用户的生物特征信息、与该用户的生物特征模板进行比对，如果该用户的生物特征信息匹配于该用户的生物特征模板，该用户通过身份认证，则保存该支付场景信息、该用户的生物特征模板、该用户账户的对应关系；否则通知用户终端该用户未能通过身份认证，开通流程失败。
在支付服务器上，步骤240，向收款方系统发送系统开通请求。系统开通请求中包括用户指定的支付场景信息、该用户的生物特征模板与该用户的账户的对应关系，供收款方系统的收款设备在匹配于该支付场景信息的双离线支付场景中，基于该生物特征模板对用户进行认证，在认证通过后认可该用户账户的付款。
在收款服务器，步骤310，接收来自支付服务器的系统开通请求。
在收款服务器，步骤320，根据该支付场景信息确定收款设备，向收款设备下发该用户的生物特征模板和该用户账户的对应关系，用来由收款方系统的收款设备在匹配于用户指定的支付场景信息的双离线支付场景中，基于该生物特征模板对用户进行认证，在认证通过后认可该用户账户的付款。
根据保存的支付场景信息、用户的生物特征模板、和用户账户的对应关系，支付服务器生成系统开通请求，系统开通请求中包括请求开通的用户指定的支付场景信息、用户的生物特征模板、和用户账户的对应关系。
支付服务器向收款方系统的收款服务器发送系统开通请求。收款服务器在收到系统开通请求后，可以将系统开通请求中用户指定的支付场景信息、该用户的生物特征模板和该用户账户的对应关系保存在能够访问的存储空间。
收款服务器根据系统开通请求中的支付场景信息确定收款设备，并向收款设备下发该用户的生物特征模板与该用户账户的对应关系；收款设备将用户的生物特征模板与用 户账户的对应关系保存在本地。收款服务器也可以向收款设备下发支付场景信息、用户的生物特征模板、用户账户的对应关系，收款设备收到后保存在本地。
可见，本说明书的实施例一中，用户终端基于用户指定的支付场景信息向支付服务器发出用户开通请求，支付服务器生成并保存支付场景信息、用户的生物特征模板、用户的账户的对应关系后，将对应关系发送给收款方系统保存，供收款方系统在匹配于支付场景信息的双离线支付场景中，基于生物特征模板对用户进行认证后认可该用户账户的付款，使得用户能够在双离线支付场景中直接使用其生物特征信息完成付款，减少了用户的支付时间，而基于生物特征的认证具有更高的安全程度，在提高支付效率的同时达到了更好的安全性。
本说明书的实施例二提出一种新的双离线支付的收款方法，在收款设备上保存用户的生物特征模板、与用户账户的对应关系，收款设备在双离线只支付场景中采集用户的生物特征信息，将与采集的生物特征信息相匹配的生物特征模板对应的用户账户作为付款方，认可该用户的付款，从而使得用户无需进行复杂的操作来生成付款码，减少了用户的支付时间，并且采用生物特征认证能够达到更高的安全性。
开通双离线支付功能后，在用户指定的双离线支付场景中，用户可以通过生物特征来付款。付款过程通常由收款设备独立完成，在付款过程中收款设备不需要与其他设备进行通信。
实施例二中，双离线支付的付款方法应用在收款设备上的流程如图5所示。收款设备上保存有已经开通了在本收款设备工作的支付场景中进行双离线支付的所有用户的生物特征模板和该用户的账户的对应关系；换言之，用户在开通双离线支付功能时指定了支付场景信息，具有指定支付场景信息的支付场景中的收款设备上就会保存有该用户的生物特征模板和该用户的账户的对应关系。
在收款设备上，步骤510，在双离线支付场景中，获取用户的生物特征信息。
收款设备可以在双离线支付场景中，采用各种方式现场采集用户的生物特征信息，如拍摄用户的脸部图像、采集用户的指纹图像等，不做限定。
在收款设备上，步骤520，当所获取的生物特征信息匹配于本地保存的对应关系中某个用户的生物特征模板时，认可该用户的账户的付款，并保存所获取的生物特征信息和相对应的该用户账户。
在获取用户的生物特征信息后，收款设备将保存的已开通双离线支付功能的各个用 户的生物特征模板、与获取的生物特征信息进行比对，如果某个用户的生物特征模板匹配于所获取的生物特征信息，则收款设备认可对应于该生物特征模板的用户账户的付款，也就是说对应于与所获取的生物特征信息相匹配的生物特征数据的用户账户将用来向收款方进行款项转移；收款设备在所获取的生物特征信息和用来付款的该用户账户之间建立对应关系，并保存所获取的生物特征信息和相对应的该用户账户。
收款设备判断所采集的生物特征信息与保存的生物特征模板是否匹配的具体方式可参照现有技术实现，不再赘述。
根据实际应用场景中收款事务的具体要求，收款设备在保存所获取的生物特征信息和相对应的用户账户时，还可以保存与本次收款相关的款项信息。款项信息可以是在该实际应用场景中用来确定收款金额的任何信息，例如在公交乘车费的双离线支付场景中，可以是该用户的车费，也可以是该用户的上车站名和下车站名，还可以是该用户上下车之间的车站数量；再如在飞机航班的双离线支付场景中，可以是用户在飞机上购买的商品或服务的名称及价格。
收款设备还可以保存认可用户支付的支付场景的支付场景信息、所获取的生物特征信息和相对应的用户账户。其中，支付场景信息可以由收款设备自己生成，也可以由收款设备从保存在本地的已开通双离线支付的用户指定的支付场景信息、用户的生物特征模板和用户账户的对应关系中获取。
如果收款设备获取的生物特征信息，与保存的生物特征模板和用户账户的对应关系中的任何一个生物特征模板都不匹配，则收款设备不认可该用户的付款，该用户需要采用其他方式来进行支付。
可见，本说明书的实施例二中，收款设备在双离线支付场景中现场采集用户的生物特征信息，与其保存的用户的生物特征模板与用户账户的对应关系中的生物特征模板进行比对，并认可相匹配的生物特征模板对应的用户账户的付款，使得用户摆脱了生成付款码的繁琐操作，在减少了用户支付时间的同时达到了更高的支付安全性。
本说明书的实施例三提出一种新的双离线支付的结算方法，收款服务器将认可用户付款的支付场景的支付场景信息、在该支付场景中采集的用户生物特征信息、用户的账户和款项信息发送给支付服务器，支付服务器验证用户生物特征信息与保存的对应于该双离线支付场景的支付场景信息以及该用户账户的用户生物特征模板相匹配后，按照款项信息进行转账，从而使得用户在双离线只支付环境中无需进行复杂的操作来生成付款 码即可进行支付，减少了用户的支付时间，并且采用生物特征认证能够达到更高的安全性。
当收款方系统的收款设备在双离线支付环境中认可用户的付款后，在收款设备离开双离线环境，恢复远程网络连通后，收款方系统可以与支付服务器进行结算，将在双离线环境中认可的用户付款所对应的款项从用户在支付服务器的账户划转到收款方的账户中。
双离线支付的结算过程通常不需要用户和用户终端的参与。结算过程中收款设备与收款服务器之间、收款服务器与支付服务器之间都能够进行通信，其中，收款方系统的组成以及和支付服务器的通信方式可以与图1所示的网络相同。
实施例三中，支付服务器上保存有开通双离线支付的用户指定的支付场景信息、用户的生物特征模板和用户账户的对应关系，收款方系统的收款设备上保存有开通双离线支付的用户的生物特征模板和用户账户的对应关系、以及在认可用户付款时采集的用户的生物特征信息和相对应的用来付款的用户账户。此外，收款方系统还可以在收款服务器上保存有开通双离线支付的用户指定的支付场景信息、用户的生物特征模板和用户账户的对应关系。
实施例三中，双离线支付的结算方法应用在收款方系统的收款服务器的流程如图6所示，应用在支付服务器的流程如图7所示。
在收款服务器上，步骤610，接收收款设备的扣款请求。扣款请求中包括收款设备在认可用户付款的支付场景中获取的用户的生物特征信息和相对应的用户的账户、以及款项信息。其中，款项信息可以是实际应用场景中使支付服务器能够确定要从用户账户转账到收款方账户的款项的具体数额的任意信息，不做限定。
收款方系统在收款设备脱离双离线支付环境后，可以与支付服务器就在双离线场景中认可的用户付款进行结算。具体的，收款设备在恢复与收款服务器的网络连接后，将在认可用户付款的双离线场景中采集的用户的生物特征信息与相对应的用户账户、以及款项信息封装在扣款请求中，发送给收款服务器。收款设备也可以将认可用户付款的双离线支付场景的支付场景信息一并封装在扣款请求中。
在收款服务器上，步骤620，向支付服务器发送结算请求。结算请求中包括认可用户付款的支付场景的支付场景信息、在该支付场景中获取的用户的生物特征信息和相对应的用户账户、以及款项信息。
在支付服务器上，步骤710，从收款方系统接收结算请求。
收款服务器接收扣款请求后，如果扣款请求中没有携带支付场景信息，可以根据发送该扣款请求的收款设备确定该请求涉及的认可用户付款的双离线支付场景的支付场景信息；如果扣款请求中携带有支付场景信息，收款服务器可以直接从扣款请求中提取支付场景信息。收款服务器将该扣款请求涉及的支付场景信息(即认可用户付款的支付场景的支付场景信息)、扣款请求中用户的生物特征信息与相对应的用户账户、和款项信息封装在结算请求中，发送给支付服务器。
如果收款服务器保存了已开通双离线支付的用户指定的支付场景信息、用户的生物特征模板、和用户账户的对应关系，则可以在保存的对应关系中，查询与扣款请求涉及的支付场景信息和扣款请求中用户账户相对应的生物特征模板，将查询到的生物特征模板与扣款请求中的生物特征信息进行比对；如果两者相匹配，则扣款请求中的生物特征信息通过验证，收款服务器将该扣款请求涉及的支付场景信息、扣款请求中用户的生物特征信息与相对应的用户账户、和款项信息封装在结算请求中，发送给支付服务器。如果收款服务器未查询到与扣款请求涉及的支付场景信息和扣款请求中用户账户相对应的生物特征模板，或者查询到的生物特征模板与扣款请求中的生物特征信息不匹配，则收款服务器不会根据该扣款请求生成结算请求。
在支付服务器上，步骤720，采用保存的对应关系中与结算请求中用户的账户和匹配于认可用户付款的支付场景的支付场景信息相对应的用户的生物特征模板，对结算请求中的生物特征信息进行验证，在验证通过后根据款项信息进行从该用户的账户到收款方账户的转账。
支付服务器上保存有已开通双离线支付的用户指定的支付场景信息、用户的生物特征模板和用户的账户的对应关系。支付服务器在所保存的对应关系中，查找与结算请求中的支付场景信息、用户账户对应的生物特征模板。
在找到对应的生物特征模板后，支付服务器比对查找到的生物特征模板与结算请求中的生物特征信息是否相匹配。如果两者相匹配，结算请求中的生物特征信息通过验证，支付服务器执行从结算请求中的用户账户向收款方账户的转账，转账金额由结算请求中的款项信息来确定。
在支付服务器上，步骤730，向收款方系统返回结算响应。
在收款服务器上，步骤630，接收支付服务器返回的结算响应。结算响应由支付 服务器根据所保存的对应关系中，与认可用户付款的支付场景的支付场景信息和所述结算请求中的用户账户对应的用户的生物特征模板，是否匹配于结算请求中的生物特征信息的验证结果返回。
在支付服务器完成从结算请求中的用户账户向收款方账户的转账后，向收款服务器返回结算成功的结算响应。如果支付服务器在所保存的对应关系中没有找到与结算请求涉及的支付场景信息、结算请求中用户账户对应的生物特征模板，则向收款服务器返回结算失败的结算响应。如果结算请求中的生物特征信息未能通过支付服务器的验证，支付服务器也向收款服务器返回结算失败的结算响应。
可见，在本说明书实施例三中，收款方系统将在双离线支付场景的支付场景信息、在该支付场景中采集的用户生物特征信息、相对应的用户账户和款项信息发送给支付服务器，支付服务器验证用户生物特征信息与保存的对应于该双离线支付场景的支付场景信息以及该用户账户的用户生物特征模板相匹配后，进行款项的划转，使得用户在双离线支付场景中不需要通过繁琐的操作生成支付码，直接使用其生物特征信息即可完成付款，减少了用户的支付时间，并且达到了更高的安全性。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
在本说明书的一个应用示例中，某个第三方支付机构与公交公司联合向乘客提供刷脸乘车的功能。该第三方支付机构向用户发行虚拟的公交卡，用户可以使用公交卡来乘坐公交车辆，公交卡的费用通过该用户在该第三方支付机构的账户进行结算，本应用示例中用户的账户包括两个部分，该用户在该第三方支付机构的账户和公交卡号。每个城市分别发行不同类型的公交卡，用户的公交卡类型和公交卡号由用户终端上该第三方支付结构的客户端App保存在终端本地。
本应用示例中，公交公司的系统(收款方系统)包括收款服务器和设置在公交车上的机具(一种收款设备)。其中，收款服务器包括公交公司后台服务器和机具后台服务器，公交公司后台服务器负责与第三方支付机构的支付服务器进行通信，每个机具后台服务器分别负责与某个城市的若干条公交线路上的机具进行通信。
用户在刷脸乘公交前，先要开通在其指定线路上的刷脸乘车功能。开通流程中用户终端、支付服务器、公交公司后台服务器、机具后台服务器和机具间的交互流程如图8所示。
用户在终端上该第三方支付机构的支付App中指定要开通的公交线路，并指令开通刷脸乘车功能。支付App接收用户输入的公交线路，获取用户终端上保存的公交卡类型和公交卡号，将公交线路和公交卡类型作为支付场景信息，将支付场景信息和公交卡号封装在用户开通请求中，发送给支付服务器。
支付服务器根据使用该支付App的用户账户，从公安系统的服务器获取该用户的人脸模板(一种生物特征模板)。支付服务器指令该支付App发起人脸校验，用户终端上的支付App采集用户的脸部图像(一种生物特征信息)上传给支付服务器。支付服务器检验上传的脸部图像是否与该用户的人脸模板相匹配，如果匹配，支付服务器将用户开通请求中用户指定的公交线路、公交卡类型、公交卡号、该用户的人脸模板、该用户在第三方支付机构的账户的对应关系保存起来，并且将该对应关系封装在系统开通请求中，发送给公交公司后台服务器。
公交公司后台服务器将系统开通请求中用户指定的公交线路、公交卡类型、公交卡号、该用户的人脸模板、该用户在第三方支付机构的账户的对应关系保存起来，根据公交卡类型和用户指定的公交线路确定机具后台服务器，向所确定的机具后台服务器下发公交线路、公交卡类型、公交卡号、该用户的人脸模板、该用户在第三方支付机构的账户的对应关系。机具后台服务器向该公交线路上所有的机具下发该用户的人脸模板、公交卡类型、公交卡号和该用户在第三方支付机构的账户的对应关系。机具收到后将下发的对应关系保存在本地，并向机具后台服务器返回保存成功的响应。
在该公交线路上所有的机具都向机具后台服务器返回保存成功的响应后，机具后台服务器向公交公司后台服务器返回下发成功的响应，公交公司后台服务器向支付服务器返回开通成功的响应。支付服务器通知该支付App开通成功，该支付App显示给用户。如果有用户指定公交线路上的机具向机具后台服务器返回保存不成功的响应，则机具后台服务器向公交公司后台服务器返回保存不成功的响应，公交公司后台服务器向支付服务器返回开通失败的响应。支付服务器通知该支付App开通失败，该支付App显示给用户。
在用户开通刷脸乘车功能后，就可以在其指定的公交线路上刷脸乘车。指定公交线路上的每台机具都保存有所有开通该公交线路双离线支付的用户的人脸模板、公交 卡类型、公交卡号和用户在第三方支付机构的账户的对应关系。当用户乘坐其指定公交线路的公交车时，公交车上的机具现场采集用户的脸部图像，和保存的开通双离线支付的用户的人脸模板进行比对，如果有某个人脸模板和采集的脸部图像相匹配，则该人脸模板对应的公交卡号和用户在第三方支付机构的账户即为该次乘车费的付款方。机具提示用户刷脸成功，保存采集的脸部图像与该付款方，即公交卡号和用户在第三方支付机构的账户、以及该用户的公交卡类型的对应关系，并保存该用户的本次乘车的乘车费用(一种款项信息)。
如果没有人脸模板与采集的脸部图像相匹配，机具提示用户刷脸失败，用户可采用其他方式支付乘车费。
在公交车上的机具恢复与机具后台服务器的网络通信后，可以将双离线运营时认可的用户付费信息上报，以便由公交公司后台服务器来与支付服务器进行结算。结算过程中支付服务器、公交公司后台服务器、机具后台服务器和机具间的交互流程如图9所示。
机具将本机具所在的公交线路、本机具保存的在用户乘车时采集的脸部图像、相对应的公交卡类型、公交卡号和用户在第三方支付机构的账户、该用户的乘车费用封装在扣款请求中发送给机具后台服务器。机具后台服务器将扣款请求转发给公交公司后台服务器。
公交公司后台服务器提取扣款请求中的公交线路、公交卡类型、公交卡号和用户在第三方支付机构的账户，在保存的已开通刷脸乘车的用户指定的公交线路、公交卡类型、公交卡号、该用户的人脸模板、该用户在第三方支付机构的账户的对应关系中查找对应的用户人脸模板，通过比对扣款请求中的人脸图像是否匹配于用户的人脸模板来对扣款请求中的人脸图像进行验证。在通过验证后，公交公司后台服务器将公交卡类型、扣款请求中的公交线路、公交卡号、用户在第三方支付机构的账户、用户的人脸图像和乘车费用封装在结算请求中，发送给支付服务器。
支付服务器提取结算请求中的公交卡类型、公交线路、公交卡号和用户在第三方支付机构的账户，在保存的已开通刷脸乘车的用户指定的公交线路、公交卡类型、公交卡号、该用户的人脸模板、该用户在第三方支付机构的账户的对应关系中查找对应的用户人脸模板，通过比对结算请求中的人脸图像是否匹配于查找到的人脸模板来对结算请求中的人脸图像进行验证。
在结算请求中的人脸图像通过验证后，支付服务器在结算请求中用户在第三方支付机构的账户中扣除额度为结算请求中乘车费用的款项，在公交公司在该第三方支付机构的账户中增加额度为结算请求中乘车费用的款项。支付服务器向公交公司后台服务器返回结算成功的结算响应。
与上述流程实现对应，本说明书的实施例还提供了一种应用于支付服务器的双离线支付的开通装置、一种应用于收款方系统的双离线支付的开通装置、一种应用于用户终端的双离线支付的开通装置、一种应用于收款方系统收款设备的双离线支付的收款装置、一种应用于收款方系统的双离线支付的结算装置、和一种应用于支付服务器的双离线支付的结算装置。上述装置均可以通过软件实现，也可以通过硬件或者软硬件结合的方式实现。以软件实现为例，作为逻辑意义上的装置，是通过所在设备的CPU(Central Process Unit，中央处理器)将对应的计算机程序指令读取到内存中运行形成的。从硬件层面而言，除了图10所示的CPU、内存以及存储器之外，上述装置所在的设备通常还包括用于进行无线信号收发的芯片等其他硬件，和/或用于实现网络通信功能的板卡等其他硬件。
本说明书实施例提供了一种双离线支付的开通装置，应用于支付服务器，所述装置包括用户开通接收单元、特征模板获取单元、第一开通存储单元和系统开通发送单元，其中：用户开通接收单元用于接收用户终端发送的用户开通请求；所述用户开通请求中包括用户指定的支付场景信息；特征模板获取单元用于获取所述用户的生物特征模板；第一开通存储单元用于保存所述支付场景信息、所述用户的生物特征模板、所述用户的账户的对应关系；系统开通发送单元用于向收款方系统发送系统开通请求，所述系统开通请求中包括所述用户指定的支付场景信息、所述用户的生物特征模板与所述用户的账户的对应关系，供收款方系统的收款设备在匹配于所述支付场景信息的双离线支付场景中，基于所述生物特征模板对用户进行认证，在认证通过后认可所述用户账户的付款。
可选的，所述装置还包括特征信息接收单元，用于接收所述用户终端采集并上传的所述用户的生物特征信息；所述第一开通存储单元具体用于：当所述用户终端上传的生物特征信息匹配于所述用户的生物特征模板时，保存所述支付场景信息、所述用户的生物特征模板、所述用户的账户的对应关系。
本说明书实施例提供了一种双离线支付的开通装置，应用于收款方系统的收款服务器，所述装置包括系统开通接收单元和模板与账户下发单元，其中：系统开通接收 单元用于接收来自支付服务器的系统开通请求，所述系统开通请求中包括请求开通的用户指定的支付场景信息、所述用户的生物特征模板和所述用户的账户的对应关系；模板与账户下发单元，用于根据所述支付场景信息确定收款设备，向所述收款设备下发所述用户的生物特征模板和所述用户账户的对应关系，用来由所述收款方系统的收款设备在匹配于所述用户指定的支付场景信息的双离线支付场景中，基于所述生物特征模板对用户进行认证，在认证通过后认可所述用户账户的付款。
一个例子中，所述支付场景信息包括公交线路和公交卡类型；所述收款服务器包括公交公司后台服务器和机具后台服务器；所述用户的账户包括所述用户在支付服务器的账户和所述用户的公交卡号；所述模板与账户下发单元具体用于：由公交公司后台服务器根据公交线路和公交卡类型确定机具后台服务器，向所述机具后台服务器下发公交线路、所述用户的生物特征模板、所述用户账户的对应关系；由机具后台服务器向所述公交线路上所有的收款设备下发所述用户的生物特征模板和所述用户账户的对应关系。
本说明书实施例提供了一种双离线支付的开通装置，应用于用户终端，所述装置包括支付场景指定单元和用户开通发送单元，其中：支付场景指定单元用于获取用户指定的支付场景信息；用户开通发送单元用于根据用户的指示，向支付服务器发送包括所述支付场景信息的用户开通请求，供支付服务器保存所述支付场景信息、所述用户的生物特征模板、所述用户的账户的对应关系，并将所述用户的生物特征模板和所述用户账户的对应关系发送给收款方系统，用来由收款方系统的收款设备在匹配于所述支付场景信息的双离线支付场景中，基于所述生物特征模板对用户进行认证，在认证通过后认可所述用户账户的付款。
可选的，所述装置还包括：开通特征信息单元，用于采集所述用户的生物特征信息并上传给支付服务器，供支付服务器在保存所述支付场景信息、所述用户的生物特征模板、所述用户的账户的对应关系前，根据上传的生物特征信息和所述用户的生物特征模板，对所述用户进行认证。
可选的，所述支付场景指定单元具体用于：接收用户输入的公交线路，获取所述用户终端上保存的公交卡类型，采用公交线路和公交卡类型生成支付场景信息；所述装置还包括公交卡号获取单元，用于获取所述用户终端上保存的用户的公交卡号；所述用户的账户包括：所述用户在支付服务器的账户和所述用户的公交卡号。
可选的，所述用户指定的支付场景信息包括以下之一：公交线路、航班及日期、 或铁路车次及日期；所述生物特征包括以下之一：人脸、指纹、或虹膜。
本说明书实施例提供了一种双离线支付的收款装置，应用于收款方系统的收款设备，所述收款设备上保存有已开通双离线支付的用户的生物特征模板和所述用户的账户的对应关系，所述装置包括特征信息采集单元和付款验证单元，其中：特征信息采集单元用于在双离线支付场景中，获取用户的生物特征信息；付款验证单元用于当所获取的生物特征信息匹配于本地保存的对应关系中某个用户的生物特征模板时，认可所述用户账户的付款，并保存所获取的生物特征信息和相对应的所述用户的账户。
可选的，所述支付场景信息包括以下之一：公交线路、航班及日期、或铁路车次及日期；所述生物特征包括以下之一：人脸、指纹、或虹膜。
本说明书实施例提供了一种双离线支付的结算装置，应用于收款方系统的收款服务器，所述装置包括扣款请求接收单元、结算请求发送单元和结算响应接收单元，其中：扣款请求接收单元用于接收收款设备的扣款请求，所述扣款请求中包括收款设备在认可用户付款的支付场景中获取的用户的生物特征信息和相对应的用户的账户、以及款项信息；结算请求发送单元用于向支付服务器发送结算请求，所述结算请求中包括所述支付场景的支付场景信息、在所述支付场景中获取的用户的生物特征信息和相对应的用户账户、以及款项信息；所述支付服务器保存有支付场景信息、用户的生物特征模板、所述用户的账户的对应关系；结算响应接收单元用于接收支付服务器返回的结算响应，所述结算响应由支付服务器根据所保存的对应关系中，与认可用户付款的支付场景的支付场景信息和所述结算请求中的用户账户对应的用户的生物特征模板，是否匹配于结算请求中的生物特征信息的验证结果返回。
一个例子中，所述收款方服务器保存有支付场景信息、用户的生物特征模板、所述用户的账户的对应关系；所述结算请求发送单元具体用于：确定认可用户付款的支付场景的支付场景信息，采用所述保存的对应关系中与所述支付场景信息和扣款请求中用户的账户相对应的用户的生物特征模板，对扣款请求中的生物特征信息进行验证，验证通过后向支付服务器发送结算请求。
上述例子中，所述支付场景信息包括公交线路和公交卡类型；所述收款服务器包括公交公司后台服务器和机具后台服务器；所述收款设备为机具；所述结算请求由公交公司后台服务器发送给支付服务器；所述结算响应由公交公司后台服务器从支付服务器接收；所述扣款请求由机具后台服务器从机具接收后转发给公交公司后台服务器。
本说明书实施例提供了一种双离线支付的结算装置，应用于支付服务器，所述支付服务器保存有支付场景信息、用户的生物特征模板、所述用户的账户的对应关系，所述装置包括结算请求接收单元、结算单元和结算响应发送单元，其中：结算请求接收单元用于从收款方系统接收结算请求，所述结算请求中包括收款方系统认可用户付款的支付场景的支付场景信息、在所述支付场景中获取的用户的生物特征信息和相对应的用户的账户、以及款项信息；结算单元用于采用保存的所述对应关系中与结算请求中用户的账户和匹配于认可用户付款的支付场景的支付场景信息相对应的用户的生物特征模板，对结算请求中的生物特征信息进行验证，在验证通过后根据款项信息进行从所述用户的账户到所述收款方账户的转账；结算响应发送单元用于向收款方系统返回结算响应。
可选的，所述支付场景信息包括以下之一：公交线路、航班及日期、或铁路车次及日期；所述生物特征包括以下之一：人脸、指纹、或虹膜。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中应用于支付服务器的双离线支付的开通方法的各个步骤。对应用于支付服务器的双离线支付的开通方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中应用于收款方系统的收款服务器的双离线支付的开通方法的各个步骤。对应用于收款方系统的收款服务器的双离线支付的开通方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中应用于用户终端的双离线支付的开通方法的各个步骤。对应用于用户终端的双离线支付的开通方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中应用于收款方系统收款设备的双离线支付的收款方法的各个步骤。对应用于收款方系统收款设备的双离线支付的收款方法的各个步骤的详细描述 请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中应用于收款方系统的收款服务器的双离线支付的结算方法的各个步骤。对应用于收款方系统的收款服务器的双离线支付的结算方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中应用于支付服务器的双离线支付的结算方法的各个步骤。对应用于支付服务器的双离线支付的结算方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于支付服务器的双离线支付的开通方法的各个步骤。对应用于支付服务器的双离线支付的开通方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于收款方系统的收款服务器的双离线支付的开通方法的各个步骤。对应用于收款方系统的收款服务器的双离线支付的开通方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于用户终端的双离线支付的开通方法的各个步骤。对应用于用户终端的双离线支付的开通方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于收款方系统收款设备的双离线支付的收款方法的各个步骤。对应用于收款方系统收款设备的双离线支付的收款方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于收款方系统 的收款服务器的双离线支付的结算方法的各个步骤。对应用于收款方系统的收款服务器的双离线支付的结算方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中应用于支付服务器的双离线支付的结算方法的各个步骤。对应用于支付服务器的双离线支付的结算方法的各个步骤的详细描述请参见之前的内容，不再重复。
以上所述仅为本说明书的较佳实施例而已，并不用以限制请求保护的其他实施例，凡在本说明书的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在请求保护的范围之内。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本领域技术人员应明白，本说明书的实施例可提供为方法、系统或计算机程序 产品。因此，本说明书的实施例可采用完全硬件实施例、完全软件实施例或结合软件和硬件方面的实施例的形式。而且，本说明书的实施例可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。

Claims (27)

  1. 一种双离线支付的开通方法，应用于支付服务器，所述方法包括：
    接收用户终端发送的用户开通请求；所述用户开通请求中包括用户指定的支付场景信息；
    获取所述用户的生物特征模板；
    保存所述支付场景信息、所述用户的生物特征模板、所述用户的账户的对应关系；
    向收款方系统发送系统开通请求，所述系统开通请求中包括所述用户指定的支付场景信息、所述用户的生物特征模板与所述用户的账户的对应关系，供收款方系统的收款设备在匹配于所述支付场景信息的双离线支付场景中，基于所述生物特征模板对用户进行认证，在认证通过后认可所述用户账户的付款。
  2. 根据权利要求1所述的方法，所述方法还包括：接收所述用户终端采集并上传的所述用户的生物特征信息；
    所述保存支付场景信息、所述用户的生物特征模板、所述用户的账户的对应关系，包括：当所述用户终端上传的生物特征信息匹配于所述用户的生物特征模板时，保存所述支付场景信息、所述用户的生物特征模板、所述用户的账户的对应关系。
  3. 一种双离线支付的开通方法，应用于收款方系统的收款服务器，所述方法包括：
    接收来自支付服务器的系统开通请求，所述系统开通请求中包括请求开通的用户指定的支付场景信息、所述用户的生物特征模板和所述用户的账户的对应关系；
    根据所述支付场景信息确定收款设备，向所述收款设备下发所述用户的生物特征模板和所述用户账户的对应关系，用来由所述收款设备在匹配于所述用户指定的支付场景信息的双离线支付场景中，基于所述生物特征模板对用户进行认证，在认证通过后认可所述用户账户的付款。
  4. 根据权利要求3所述的方法，所述支付场景信息包括公交线路和公交卡类型；所述收款服务器包括公交公司后台服务器和机具后台服务器；所述用户的账户包括所述用户在支付服务器的账户和所述用户的公交卡号；
    所述根据支付场景信息确定收款设备，向所述收款设备下发所述用户的生物特征模板和所述用户账户的对应关系，包括：由公交公司后台服务器根据公交线路和公交卡类型确定机具后台服务器，向所述机具后台服务器下发公交线路、所述用户的生物特征模板、所述用户账户的对应关系；由机具后台服务器向所述公交线路上所有的收款设备下发所述用户的生物特征模板和所述用户账户的对应关系。
  5. 一种双离线支付的开通方法，应用于用户终端，所述方法包括：
    获取用户指定的支付场景信息；
    根据用户的指示，向支付服务器发送包括所述支付场景信息的用户开通请求，供支付服务器保存所述支付场景信息、所述用户的生物特征模板、所述用户的账户的对应关系，并将所述用户的生物特征模板和所述用户账户的对应关系发送给收款方系统，用来由收款方系统的收款设备在匹配于所述支付场景信息的双离线支付场景中，基于所述生物特征模板对用户进行认证，在认证通过后认可所述用户账户的付款。
  6. 根据权利要求5所述的方法，所述方法还包括：采集所述用户的生物特征信息并上传给支付服务器，供支付服务器在保存所述支付场景信息、所述用户的生物特征模板、所述用户的账户的对应关系前，根据上传的生物特征信息和所述用户的生物特征模板，对所述用户进行认证。
  7. 根据权利要求5所述的方法，所述获取用户指定的支付场景信息，包括：接收用户输入的公交线路，获取所述用户终端上保存的公交卡类型，采用公交线路和公交卡类型生成支付场景信息；
    所述方法还包括：获取所述用户终端上保存的用户的公交卡号；
    所述用户的账户包括：所述用户在支付服务器的账户和所述用户的公交卡号。
  8. 根据权利要求5所述的方法，所述用户指定的支付场景信息包括以下之一：公交线路、航班及日期、或铁路车次及日期；所述生物特征包括以下之一：人脸、指纹、或虹膜。
  9. 一种双离线支付的收款方法，应用于收款方系统的收款设备，所述收款设备上保存有已开通双离线支付的用户的生物特征模板和所述用户的账户的对应关系，所述方法包括：
    在双离线支付场景中，获取用户的生物特征信息；
    当所获取的生物特征信息匹配于本地保存的对应关系中某个用户的生物特征模板时，认可所述用户账户的付款，并保存所获取的生物特征信息和相对应的所述用户的账户。
  10. 根据权利要求9所述的方法，所述支付场景信息包括以下之一：公交线路、航班及日期、或铁路车次及日期；所述生物特征包括以下之一：人脸、指纹、或虹膜。
  11. 一种双离线支付的结算方法，应用于收款方系统的收款服务器，所述方法包括：
    接收收款设备的扣款请求，所述扣款请求中包括收款设备在认可用户付款的支付场景中获取的用户的生物特征信息和相对应的用户的账户、以及款项信息；
    向支付服务器发送结算请求，所述结算请求中包括所述支付场景的支付场景信息、 在所述支付场景中获取的用户的生物特征信息和相对应的用户账户、以及款项信息；所述支付服务器保存有支付场景信息、用户的生物特征模板、所述用户的账户的对应关系；
    接收支付服务器返回的结算响应，所述结算响应由支付服务器根据所保存的对应关系中，与认可用户付款的支付场景的支付场景信息和所述结算请求中的用户账户对应的用户的生物特征模板，是否匹配于结算请求中的生物特征信息的验证结果返回。
  12. 根据权利要求11所述的方法，所述收款方服务器保存有支付场景信息、用户的生物特征模板、所述用户的账户的对应关系；
    所述向支付服务器发送结算请求，包括：确定认可用户付款的支付场景的支付场景信息，采用所述保存的对应关系中与所述支付场景信息和扣款请求中用户的账户相对应的用户的生物特征模板，对扣款请求中的生物特征信息进行验证，验证通过后向支付服务器发送结算请求。
  13. 根据权利要求12所述的方法，所述支付场景信息包括公交线路和公交卡类型；所述收款服务器包括公交公司后台服务器和机具后台服务器；所述收款设备为机具；
    所述结算请求由公交公司后台服务器发送给支付服务器；所述结算响应由公交公司后台服务器从支付服务器接收；所述扣款请求由机具后台服务器从机具接收后转发给公交公司后台服务器。
  14. 一种双离线支付的结算方法，应用于支付服务器，所述支付服务器保存有支付场景信息、用户的生物特征模板、所述用户的账户的对应关系，所述方法包括：
    从收款方系统接收结算请求，所述结算请求中包括收款方系统认可用户付款的支付场景的支付场景信息、在所述支付场景中获取的用户的生物特征信息和相对应的用户的账户、以及款项信息；
    采用保存的所述对应关系中与结算请求中用户的账户和匹配于认可用户付款的支付场景的支付场景信息相对应的用户的生物特征模板，对结算请求中的生物特征信息进行验证，在验证通过后根据款项信息进行从所述用户的账户到所述收款方账户的转账；
    向收款方系统返回结算响应。
  15. 根据权利要求14所述的方法，所述支付场景信息包括以下之一：公交线路、航班及日期、或铁路车次及日期；所述生物特征包括以下之一：人脸、指纹、或虹膜。
  16. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求1到2任意一项所述的步骤。
  17. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运 行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求3到4任意一项所述的步骤。
  18. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求5到8任意一项所述的步骤。
  19. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求9到10任意一项所述的步骤。
  20. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求11到13任意一项所述的步骤。
  21. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求14到15任意一项所述的步骤。
  22. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求1到2任意一项所述的步骤。
  23. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求3到4任意一项所述的步骤。
  24. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求5到8任意一项所述的步骤。
  25. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求9到10任意一项所述的步骤。
  26. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求11到13任意一项所述的步骤。
  27. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求14到15任意一项所述的步骤。
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