WO2021184880A1 - 一种支付方法、装置及电子设备 - Google Patents

一种支付方法、装置及电子设备 Download PDF

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Publication number
WO2021184880A1
WO2021184880A1 PCT/CN2020/139738 CN2020139738W WO2021184880A1 WO 2021184880 A1 WO2021184880 A1 WO 2021184880A1 CN 2020139738 W CN2020139738 W CN 2020139738W WO 2021184880 A1 WO2021184880 A1 WO 2021184880A1
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Prior art keywords
payment
information
payment authorization
system memory
authorization
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PCT/CN2020/139738
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English (en)
French (fr)
Inventor
杨然
李涛
齐元子
郭冰鉴
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支付宝(杭州)信息技术有限公司
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Publication of WO2021184880A1 publication Critical patent/WO2021184880A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/405—Establishing or using transaction specific rules

Definitions

  • the embodiments of this specification relate to the field of computer technology, and in particular to a payment method, device, and electronic equipment.
  • a transaction is an exchange of equal value under the condition that both buyers and sellers agree. Under normal circumstances, the transaction follows the basic principle of one-handed payment and one-handed delivery. With the rapid development of electronic payment, users can complete payments without having to carry cash but only with mobile devices, making it more and more convenient for users to use. When making electronic payments, the transaction devices of both buyers and sellers need to be connected to the network. Users can directly use mobile phones and other terminals to pay, such as scanning the merchant’s payment code, or the merchant scanning the user’s payment code, etc., from the user’s The payment account deducts a certain amount to the merchant's receiving account, so that a business transaction can be completed in real time.
  • the embodiments of the present specification provide a payment method, device, and electronic equipment, which are used to solve the problem of difficult payment transactions in the prior art when there is no network connection.
  • the embodiments of this specification adopt the following technical solutions:
  • the embodiments of this specification provide a payment method applied to payment applications, including: when there is no network connection, identifying payment information from the payment account corresponding to the paying user, and the payment information reflects Payment authorization information; generate a payment authorization voucher based on the payment information; save the payment authorization voucher in the system memory, so as to use the payment authorization voucher to request a deduction from the payment account from the server in the network connection state ,
  • the system memory is the system memory of the payment terminal where the payment application is located.
  • the embodiment of this specification also provides a payment method, which is applied to payment applications, including: obtaining a payment authorization certificate stored in the system memory in a network connection state, and the payment authorization certificate is based on the payment user Generated by the payment information obtained by the corresponding payment account, the payment information reflects payment authorization information, the system memory is the system memory of the payment terminal where the payment application is located; a deduction request is sent to the server according to the payment authorization voucher , So that after verifying the deduction request, the server deducts the payment from the payment account according to the deduction request; and receives the payment from the payment account.
  • the embodiment of this specification also provides a payment device, which is applied to a payment application, and includes: an acquisition module, which identifies payment information from a payment account corresponding to a paying user when there is no network connection, and the payment information reflects payment authorization information; and a generation module , Generate a payment authorization voucher according to the payment information; a saving module, save the payment authorization voucher in the system memory, so as to use the payment authorization voucher to request the server to deduct money from the payment account in the network connection state ,
  • the system memory is the system memory of the payment terminal where the payment application is located.
  • the embodiment of this specification also provides a payment device, which is applied to a payment application, and includes: an acquisition module, which acquires a payment authorization certificate stored in the system memory in a network connection state, and the payment authorization certificate is in a non-network state, according to Generated from payment information obtained from the payment account corresponding to the paying user, the payment information reflects payment authorization information, the system memory is the system memory of the payment terminal where the payment application is located; the sending module is based on the payment authorization voucher Sending a deduction request to the server, so that after verifying the deduction request, the server deducts the payment from the payment account according to the deduction request; a receiving module receives the payment from the payment account.
  • the embodiment of the present specification also provides an electronic device, including at least one processor and a memory, the memory stores a program, and is configured to perform the following steps: when there is no network connection, identify the corresponding payment account from the paying user
  • the payment information reflects the payment authorization information; the payment authorization certificate is generated according to the payment information; the payment authorization certificate is stored in the system memory to use the payment authorization certificate to the server in the network connection state Request deduction from the payment account, wherein the system memory is the system memory of the payment terminal where the payment application is located.
  • the embodiment of the specification also provides an electronic device, including at least one processor and a memory, the memory stores a program, and is configured to perform the following steps by the at least one processor: in a network connection state, obtain a payment authorization stored in the system memory
  • the payment authorization certificate is generated based on the payment information obtained from the payment account corresponding to the paying user without the network, the payment information reflects the payment authorization information, and the system memory is where the payment application is located.
  • the system memory of the payment terminal sending a deduction request to the server according to the payment authorization certificate, so that the server deducts the payment from the payment account according to the deduction request after verifying the deduction request; receiving Payment from the payment account.
  • the above-mentioned at least one technical solution adopted in the embodiment of this specification can achieve the following beneficial effects: when there is no network connection, the payment authorization certificate is generated according to the payment information, and the payment authorization certificate is stored in the system memory, so that when the network connection is restored , You can use the payment authorization certificate stored in the system memory to request the server to deduct the payment from the corresponding payment account to complete the business transaction when there is no network connection.
  • the traceability of the payment authorization certificate can be improved.
  • the proof information of the business transaction can be quickly restored to realize offline transaction payment.
  • Figure 1 is a schematic structural diagram of a payment system provided by an embodiment of the specification
  • Figure 2 is a schematic flow diagram of a payment method provided by an embodiment of the specification
  • FIG. 3 is a schematic flowchart of a payment method provided by an embodiment of the specification.
  • Figure 4 is a sequence diagram of a payment method provided by an embodiment of the specification.
  • FIG. 5 is a schematic diagram of a payment authorization certificate in a payment method provided by an embodiment of the specification.
  • FIG. 6 is a schematic structural diagram of a payment device provided by an embodiment of the specification.
  • Fig. 7 is a schematic structural diagram of a payment device provided by an embodiment of the specification.
  • the embodiments of this specification provide a payment method, device, and electronic equipment, which generate a payment authorization voucher based on payment information when there is no network, and save the payment authorization voucher in the system memory, so that when the network connection is restored, it can be
  • the payment authorization voucher stored in the system memory is used to extract the corresponding payment information, so that the payment information can be used to request the server to deduct the payment from the payment account included in the payment information to complete the business transaction in the non-network state.
  • the traceability of the payment authorization certificate can be improved.
  • business transactions can be quickly restored to realize offline transaction payment.
  • Figure 1 is a schematic structural diagram of a payment system provided by an embodiment of this specification.
  • the payment system includes a payment terminal 100, a payment terminal 200, and a server 300.
  • the payment terminal 100 is used to initiate payment to the payment terminal 200, obtain payment information of the payment terminal 200, generate a payment authorization voucher based on the payment information in the absence of a network, and store the payment authorization voucher in the system memory In this way, when the network connection is restored, a deduction request is sent to the server 300 according to the payment authorization voucher to complete the business transaction.
  • the payment terminal 200 is configured to pay the payment terminal 100 according to the content of the business transaction, and display payment information to the payment terminal 100 in the absence of a network to obtain corresponding business services.
  • the server 300 is used to verify the deduction request sent by the payment terminal 100, and after the verification is passed, transfer the corresponding amount of money from the payment account of the payment terminal 200 to the payment account corresponding to the payment terminal 100 according to the payment request , And return the payment result to the payment terminal 100 and the payment terminal 200.
  • the payment terminal 100 may refer to a payment collection device held by a payment user, and specifically may be a mobile phone, a tablet computer, a POS machine, or other payment collection device, which is not specifically limited herein.
  • a payment collection application for receiving payment is installed in the payment terminal 100, and the payment application can request the server 300 to deduct a payment from a payment account corresponding to the payment terminal 200.
  • the server 300 may refer to a server corresponding to the payment application installed in the payment terminal 200.
  • the payment application used by the payment terminal 200 and the payment application used by the payment terminal 100 may be the same payment application, or different payment applications sharing the same server, which is not specifically limited herein.
  • the receiving terminal 100 when there is no network, the receiving terminal 100 generates a payment authorization voucher based on the payment information obtained from the payment terminal 200, and saves the payment authorization voucher in the system memory, so that the network is restored
  • the payment terminal 100 can use the payment authorization certificate stored in the system memory to extract the corresponding payment information, so that the payment information can be used to request the server 300 to deduct the payment from the payment account corresponding to the payment terminal 200 to complete the network-free Business transactions in the state.
  • the traceability of the payment authorization certificate can be improved.
  • business transactions can be quickly restored to realize offline transaction payment.
  • Fig. 2 is a schematic flowchart of a payment method provided in an embodiment of this specification, wherein the payment method provided in an embodiment of this specification is applied to a collection application.
  • the paying user may refer to the user who conducts business transactions with the receiving user.
  • the paying user may pay a certain amount of funds to the receiving user to obtain the business services provided by the receiving user, which may be a shopping mall.
  • Shopping, shopping on flights, etc. are not specifically limited here.
  • a payment account can be understood as the account corresponding to the application used for payment in the payment device held by the paying user. A certain amount of electronic money is stored in the payment account. The user can use the payment account to make payments to obtain the required business services. .
  • payment information can reflect payment authorization information.
  • Payment authorization information can refer to the payment authorization of the paying user for business transactions, that is, the payment information grants the receiving user to directly obtain the payment of the corresponding amount from the corresponding payment account. The authority of the paragraph.
  • identifying the payment information from the payment account of the paying user may include: identifying the payment information from the payment account when there is no network connection.
  • the payment terminal held by the paying user may also be in a state of no network connection.
  • the paying user can use the payment terminal to verify offline payment instructions locally.
  • the instruction generates payment information.
  • the payment information is generated after the receiving user and the paying user have completed the verification operation of the business transaction.
  • payment information can be understood as deduction authorization information for a specified amount to be paid to a designated receiving user when the network is disconnected, so that the receiving user can use it when the network connection is restored
  • the payment information requests a deduction from the server.
  • the payment information may specifically include the transaction ticket number, transaction amount, transaction time, payment account information, payment account information, etc., which are not specifically limited here.
  • S203 Generate a payment authorization certificate according to the payment information.
  • the payment authorization voucher can be understood as the deduction proof information that stores the payment information in a certain way, so that it can be read when the network connection is restored later to provide the server with a business transaction proof for deducting the payment. .
  • No network connection may refer to a state where the payment terminal and/or the payment terminal cannot connect to the network.
  • the payment application and/or the payment application are offline and cannot connect to the server. That is to say, in this case, a certain amount of payment cannot be deducted from the payment account, but the payment information is given to the receiving application to directly deduct the payment from the payment account after the network connection is restored, without the need The payment is deducted by the re-authentication of the paying user.
  • the payment authorization voucher may include at least one of the following: payment authorization two-dimensional code; payment authorization log; payment authorization text.
  • the payment authorization QR code may refer to a QR code generated according to payment information.
  • the QR code carries payment authorization information including payment information.
  • the QR code can be The code is saved in the form of a picture; the payment authorization log can refer to the log file generated by the system after receiving the payment information; the payment authorization text can refer to the text file generated according to the payment information, which can be a text document, a Word document, or an Excel file. Documents, etc., are not specifically limited here.
  • generating a payment authorization voucher based on the payment information may include: verifying the payment information; if the verification is passed, converting the payment information into an encrypted code; according to the encrypted code Generate the payment authorization certificate.
  • the payment information can be verified to ensure the legality of the payment information It can specifically verify the payment information of the paying user information, receiving user information, transaction amount, transaction time, transaction items, etc., so that when the network connection is restored, the designated payment account can be accurately deducted from the payment user’s payment account. Payment of the transaction amount.
  • Encryption encoding can be understood as an encrypted form of encoding. After verifying the payment information, by converting the plaintext of the payment information into an encrypted form, and then generating a payment authorization voucher based on the encrypted encoding, it can reduce the amount of payment information. The risk of data loss during the preservation process enhances security and reduces the storage space of payment information.
  • the encryption encoding can be in the form of Base64 encoding.
  • Base64 is one of the most common encoding methods used to transmit 8Bit byte codes on the Internet
  • Base64 is a method of representing binary data based on 64 printable characters.
  • the information can be encrypted in plain text.
  • generating a payment authorization certificate according to the encrypted code may include: generating a payment authorization QR code according to the encrypted code; saving the payment authorization QR code as a picture to obtain the payment authorization certificate .
  • the receiving application can generate a payment authorization QR code according to the obtained encryption code. In this way, when the network connection is restored, the payment terminal or server only needs to recognize the payment authorization QR code, and the saved payment information can be extracted.
  • saving the payment authorization two-dimensional code as a picture may include: using the payment information to determine index information corresponding to the payment authorization two-dimensional code, so as to use the index information to find the corresponding payment authorization two-dimensional code ; Save the payment authorization QR code and the index information as a picture to obtain the payment authorization certificate.
  • index information may refer to feature information that can characterize the business transaction characteristics of the corresponding payment authorization certificate, and can be used to quickly locate and query the corresponding payment authorization certificate, such as a payment authorization QR code.
  • the index information may specifically be the business transaction order number, the core field description of the business transaction, etc., which is not specifically limited here.
  • all terminal devices are in a state of no network connection.
  • the user can use the payment application to scan the product code displayed by the flight attendant through the collection device, or the flight attendant can use
  • the payment device scans the payment code displayed by the user, and after the user and/or flight attendant perform local offline business transaction authentication, the flight attendant can obtain the corresponding payment information through the payment device.
  • the index information of the payment authorization QR code can be generated synchronously, which can specifically be the business transaction order number, flight number + order summary description, etc.
  • generating a payment authorization voucher according to the encryption code may include: generating a payment authorization text according to the encryption code; using the payment information to determine a text index of the payment authorization text; The index is added to the payment authorization text to obtain a payment authorization certificate, so that the text index is used to find the corresponding payment authorization text.
  • the text index can be understood as the index information corresponding to the payment authorization text, which is specifically the index information described in the foregoing embodiment, and will not be repeated here.
  • S205 Save the payment authorization voucher in the system memory, so as to use the payment authorization voucher to request the server to deduct the payment from the payment account in the network connection state, where the system memory is the payment account The system memory of the terminal where the application is located.
  • the system memory can be understood as the internal memory of the payment terminal. It is a hardware device used to store the terminal's operating program and processed data. Therefore, the data stored in the system memory is related to the operation of the terminal system. Closely related, not easy to lose. At the same time, because the size of the system memory also affects the operating speed of the terminal system, not all data in the terminal can be stored in the system memory, and other data that has nothing to do with the running program of the terminal system can be stored in the system after obtaining authorization. In memory.
  • storing the payment authorization voucher in the system memory may include: determining whether the user grants the storage permission to save the payment authorization voucher in the system memory; if so, saving the payment authorization voucher in the system In memory.
  • storing the payment authorization voucher in the system memory may include: displaying prompt information on whether to save the payment authorization voucher on the payment terminal interface; judging whether the user chooses to save the payment authorization voucher; if so, Then the payment authorization certificate is stored in the system memory.
  • the display interface of the payment terminal may display a prompt message whether to save the payment authorization voucher to remind the user whether to save the payment authorization voucher in the system memory to avoid loss.
  • storing the payment authorization voucher in the system memory may include: when it is monitored that the user long presses the payment authorization voucher, judging whether the user selects the option to save in the system memory; if so, then authorizing the payment The credentials are stored in the system memory.
  • the user can also press and hold the payment authorization certificate to trigger the display of the attribute options of the payment authorization certificate, including the option to save the payment authorization certificate to the system memory. In this way, the user can choose whether to grant the storage permission to save the payment authorization certificate to the system memory according to the importance of the data.
  • storing the payment authorization credential in the system memory may also include: additionally storing the payment authorization credential in an application cache.
  • the terminal system allocates an application cache with a certain storage space to each application to store the application data generated when the application is running. Therefore, after the payment authorization certificate is generated, it will be automatically stored in the application cache corresponding to the payment application.
  • the embodiment of this specification provides a payment method that generates a payment authorization voucher based on payment information when there is no network connection, and saves the payment authorization voucher in the system memory.
  • the payment authorization certificate in the memory requests the server to deduct the payment from the corresponding payment account to complete the business transaction when there is no network connection.
  • the traceability of the payment authorization certificate can be improved.
  • the proof information of the business transaction can be quickly restored to realize offline transaction payment.
  • FIG. 3 is a schematic flowchart of a payment method provided in an embodiment of this specification, wherein the payment method provided in an embodiment of this specification is applied to a collection application.
  • S301 In the network connection state, obtain a payment authorization voucher stored in the system memory.
  • the payment authorization voucher is generated according to the payment information obtained from the payment account corresponding to the paying user in the absence of the network, and the payment information reflects
  • the system memory is the system memory of the payment terminal where the payment application is located.
  • obtaining the payment authorization certificate stored in the system memory may include: determining whether the payment authorization certificate is stored in the application cache; if not, searching for the corresponding payment authorization certificate in the system memory according to the index information certificate.
  • the application cache Since the application cache is a part of the terminal system CPU, it can quickly access application data. Therefore, in order to improve the data processing speed, you can first determine whether there is a payment authorization certificate stored in the application cache before obtaining the payment authorization certificate from the system memory. If yes, you can directly use the payment authorization certificate stored in the application cache for payment data processing; if there is no storage, that is, the data stored in the application cache is lost, you can further search for the corresponding payment authorization certificate from the system memory for payment data processing .
  • the server may further include: additionally saving the payment authorization voucher to the application cache, so as to use the payment authorization stored in the application cache The voucher sends a deduction request to the server.
  • the payment authorization voucher can be restored and saved in the application cache while retaining the payment authorization voucher stored in the system memory. In this way, you can use the application cache to quickly read data and quickly read the payment authorization voucher, so as to improve the efficiency of data processing.
  • S303 Send a deduction request to the server according to the payment authorization certificate, so that the server deducts payment from the payment account according to the deduction request after verifying the deduction request.
  • the deduction request can be understood as the request information for deduction by the server carrying the payment information. Specifically, after the payment information in the payment authorization voucher is extracted by the collection application, the deduction request can be sent to the server with The deduction request for the extracted payment information; the collection application can also directly send the deduction request carrying the payment authorization certificate to the server, and the server extracts the payment information from the payment authorization certificate, which is not specifically limited here.
  • sending a deduction request to the server according to the payment authorization certificate may include: extracting corresponding payment information from the payment authorization certificate; sending the deduction request carrying the payment information to the Server, so that after verifying the payment information, the server deducts payment from the payment account according to the payment information.
  • the payment collection application may first extract the corresponding payment information from the payment authorization voucher, specifically, it may identify the payment information carried in the payment authorization QR code, or use image recognition technology to extract the payment authorization text.
  • the payment information is not specifically limited here.
  • the server can directly perform offline transaction verification on the payment information. After the verification is passed, the specified amount of payment can be directly deducted from the corresponding payment account to the account corresponding to the payment application.
  • sending a deduction request to a server according to the payment authorization certificate may include: sending a deduction request carrying the payment authorization certificate to the server, so that the server authorizes the payment from the payment authorization certificate.
  • the corresponding payment information is extracted from the voucher, and after the payment information is verified, the payment is deducted from the corresponding payment account according to the payment information.
  • the payment collection application directly sends the deduction request carrying the payment authorization certificate to the server. In this way, the operation of extracting payment information can be completed by the server, thereby reducing the data processing pressure of the payment terminal.
  • the server After the server passes the legality verification of the offline business transaction, it can deduct a specified amount of electronic currency from the corresponding payment account to the account corresponding to the payment application according to the obtained payment information, and return the payment result to the payment terminal.
  • the embodiment of this specification provides a payment method that generates a payment authorization voucher based on payment information when there is no network connection, and saves the payment authorization voucher in the system memory.
  • the payment authorization certificate in the memory requests the server to deduct the payment from the corresponding payment account to complete the business transaction when there is no network connection.
  • the traceability of the payment authorization certificate can be improved.
  • the proof information of the business transaction can be quickly restored to realize offline transaction payment.
  • Fig. 4 is a sequence diagram of a payment method provided by an embodiment of the specification of this application.
  • the payment terminal 4B displays the commodity to the payment terminal 4A.
  • S405 The payment terminal 4B recognizes the payment information from the payment terminal 4A.
  • the payment terminal 4A may display the payment code to the payment terminal 4B, and the payment terminal 4B scans the payment code to identify the payment information; or, the payment terminal 4A scans the payment terminal 4B to display the payment code.
  • the payment terminal 4B generates a payment authorization certificate according to the payment information.
  • the generated payment authorization voucher is a payment authorization two-dimensional code picture, and the index information of the payment authorization voucher is displayed on the two-dimensional code picture.
  • the payment authorization guarantee includes a payment authorization QR code and index information.
  • the index information includes the order number and the QR code below the QR code. The product name above.
  • S409 The receiving terminal 4B saves the payment authorization voucher in the system memory.
  • the payment authorization certificate and index information are automatically stored in the application cache.
  • the receiving terminal 4B saves the payment authorization voucher obtained from the system memory in the application cache.
  • S415 The payment terminal 4B extracts payment information from the payment authorization certificate.
  • the payment terminal 4B sends a deduction request carrying the payment information to the server 4C according to the extracted payment information.
  • S419 The server 4C verifies the payment information carried in the deduction request.
  • the server 4C deducts the designated amount of payment from the corresponding payment account to the designated receiving account according to the payment information.
  • S425 The server 4C returns the payment result to the payment terminal 4A.
  • the embodiment of this specification provides a payment method that generates a payment authorization voucher based on payment information by the receiving terminal 4B when there is no network connection, and saves the payment authorization voucher in the system memory.
  • the payment terminal 4B can use the payment authorization certificate stored in the system memory to request the server 4C to deduct the payment from the corresponding payment account to complete the business transaction when there is no network connection.
  • the traceability of the payment authorization certificate can be improved.
  • the proof information of the business transaction can be quickly restored to realize offline transaction payment.
  • FIG. 6 is a schematic structural diagram of a payment device provided in an embodiment of the specification of this application, wherein the payment device provided in an embodiment of this specification is applied to a collection application.
  • the recognition module 601 when there is no network connection, recognizes payment information from the payment account corresponding to the paying user, where the payment information reflects payment authorization information;
  • the generating module 602 generates a payment authorization certificate according to the payment information
  • the saving module 603 saves the payment authorization voucher in the system memory, so as to use the payment authorization voucher to request the server to deduct the payment from the payment account in the network connection state, wherein the system memory is the The system memory of the receiving terminal where the receiving application is located.
  • the payment device provided by the embodiment of this specification generates a payment authorization voucher based on payment information when there is no network connection, and saves the payment authorization voucher in the system memory.
  • the payment authorization certificate in the memory requests the server to deduct the payment from the corresponding payment account to complete the business transaction when there is no network connection.
  • the traceability of the payment authorization certificate can be improved.
  • the proof information of the business transaction can be quickly restored to realize offline transaction payment.
  • FIG. 7 is a schematic structural diagram of a payment device provided in an embodiment of the specification of this application, in which the payment device provided in an embodiment of this specification is applied to a payment collection application.
  • the obtaining module 701 in the network connection state, obtains the payment authorization voucher stored in the system memory, the payment authorization voucher is generated according to the payment information obtained from the payment account corresponding to the paying user in the absence of the network, the payment The information reflects payment authorization information, and the system memory is the system memory of the payment terminal where the payment application is located;
  • the sending module 702 sends a deduction request to the server according to the payment authorization certificate, so that the server deducts the payment from the payment account according to the deduction request after verifying the deduction request;
  • the receiving module 703 receives the payment from the payment account.
  • the payment device provided by the embodiment of this specification generates a payment authorization voucher based on payment information when there is no network connection, and saves the payment authorization voucher in the system memory.
  • the payment authorization certificate in the memory requests the server to deduct the payment from the corresponding payment account to complete the business transaction when there is no network connection.
  • the traceability of the payment authorization certificate can be improved.
  • the proof information of the business transaction can be quickly restored to realize offline transaction payment.
  • the embodiments of this specification also provide an electronic device, including at least one processor and a memory, the memory stores a program, and is configured to execute the following steps by the at least one processor: when there is no network connection, identify The payment information of the payment account corresponding to the paying user, the payment information reflects the payment authorization information; the payment authorization voucher is generated according to the payment information; the payment authorization voucher is stored in the system memory, so that the payment authorization voucher can be used in the network connection state.
  • the payment authorization certificate requests the server to deduct money from the payment account, wherein the system memory is the system memory of the payment terminal where the payment application is located.
  • the embodiments of this specification also provide a computer-readable storage medium, including a program used in combination with an electronic device.
  • the program can be executed by a processor to complete the following steps: when there is no network connection, identify the corresponding The payment information of the payment account, the payment information reflects the payment authorization information; the payment authorization voucher is generated according to the payment information; the payment authorization voucher is stored in the system memory to use the payment authorization in the network connection state
  • the voucher requests the server to deduct money from the payment account, where the system memory is the system memory of the payment terminal where the payment application is located.
  • the embodiments of this specification also provide an electronic device, including at least one processor and a memory, the memory stores a program, and is configured to execute the following steps by the at least one processor: in a network connection state, obtain and save The payment authorization certificate in the system memory, the payment authorization certificate is generated based on the payment information obtained from the payment account corresponding to the paying user without the network, the payment information reflects the payment authorization information, and the system memory is all The system memory of the receiving terminal where the receiving application is located; sending a deduction request to the server according to the payment authorization voucher, so that after verifying the deduction request, the server will send from the payment account according to the deduction request Deduct the payment; receive the payment from the payment account.
  • the embodiments of this specification also provide a computer-readable storage medium, including a program used in combination with an electronic device.
  • the program can be executed by a processor to complete the following steps: in a network connection state, obtain and save in the system memory
  • the payment authorization certificate the payment authorization certificate is generated based on the payment information obtained from the payment account corresponding to the paying user without the network, the payment information reflects the payment authorization information, and the system memory is the collection
  • the system memory of the receiving terminal where the application is located sending a deduction request to the server according to the payment authorization certificate, so that the server will deduct the payment from the payment account according to the deduction request after verifying the deduction request Payment; receiving payment from the payment account.
  • the improvement of a technology can be clearly distinguished between hardware improvements (for example, improvements in circuit structures such as diodes, transistors, switches, etc.) or software improvements (for example, improvements in method flow) .
  • hardware improvements for example, improvements in circuit structures such as diodes, transistors, switches, etc.
  • software improvements for example, improvements in method flow
  • the improvement of many methods and processes of today can be regarded as a direct improvement of the hardware circuit structure.
  • Designers almost always get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be realized by the hardware entity module.
  • a programmable logic device for example, a Field Programmable Gate Array (Field Programmable Gate Array, FPGA)
  • PLD Programmable Logic Device
  • FPGA Field Programmable Gate Array
  • HDL Hardware Description Language
  • ABEL Advanced Boolean Expression Language
  • AHDL Altera Hardware Description Language
  • HDCal JHDL
  • Lava Lava
  • Lola MyHDL
  • PALASM RHDL
  • VHDL Very-High-Speed Integrated Circuit Hardware Description Language
  • Verilog Verilog
  • the controller can be implemented in any suitable manner.
  • the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program codes (such as software or firmware) executable by the (micro)processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers and embedded microcontrollers. Examples of controllers include but are not limited to the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as part of the memory control logic.
  • controllers in addition to implementing the controller in a purely computer-readable program code manner, it is entirely possible to program the method steps to make the controller use logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded logic.
  • the same function can be realized in the form of a microcontroller or the like. Therefore, such a controller can be regarded as a hardware component, and the devices included in it for realizing various functions can also be regarded as a structure within the hardware component. Or even, the device for realizing various functions can be regarded as both a software module for realizing the method and a structure within a hardware component.
  • a typical implementation device is a computer.
  • the computer may be, for example, a personal computer, a laptop computer, a cell phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Any combination of these devices.
  • each module and/or each unit can be implemented in the same one or more software and/or hardware.
  • the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may adopt the form of a computer program product 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.
  • These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device.
  • the device implements the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.
  • These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to produce computer-implemented processing, so as to execute on the computer or other programmable equipment.
  • the instructions provide steps for implementing the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.
  • 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 a computer readable medium, 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.
  • This application may be described in the general context of computer-executable instructions executed by a computer, such as a program module.
  • program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types.
  • This application can also be practiced in distributed computing environments. In these distributed computing environments, tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

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Abstract

一种支付方法、装置及电子设备，所述方法包括：在无网络连接时，识别来自付款用户对应的支付账户的支付信息，所述支付信息反映支付授权信息（S201）；根据所述支付信息生成支付授权凭证（S203）；将所述支付授权凭证保存在系统内存中，以在网络连接状态下，利用所述支付授权凭证向服务器请求从所述支付账户中扣款（S205），其中，所述系统内存是所述收款应用所在收款终端的系统内存。

Description

一种支付方法、装置及电子设备 技术领域
本说明书实施例涉及计算机技术领域，尤其涉及一种支付方法、装置及电子设备。
背景技术
交易是在买卖双方都认可的情况下进行的等价值交换，一般情况下，交易遵循着一手交钱一手交货的基本原则。随着电子支付的飞速发展，使得用户能够无需携带现金而仅需携带移动设备就可以完成支付，越来越方便用户使用。在进行电子支付时，需要买卖双方的交易设备均是连接网络的状态，用户可以直接利用手机等终端进行支付，如扫描商家的收款码，或者由商家扫描用户的付款码等，从用户的支付账户扣取一定的金额到商家的收款账户，这样就可以实时完成一笔业务交易。
发明内容
有鉴于此，本说明书实施例提供了一种支付方法、装置及电子设备，用于解决现有技术中在无网络连接时难以顺利进行支付交易的问题。
本说明书实施例采用下述技术方案：本说明书实施例提供一种支付方法，应用于付款应用，包括：在无网络连接时，识别来自付款用户对应的支付账户的支付信息，所述支付信息反映支付授权信息；根据所述支付信息生成支付授权凭证；将所述支付授权凭证保存在系统内存中，以在网络连接状态下，利用所述支付授权凭证向服务器请求从所述支付账户中扣款，其中，所述系统内存是所述收款应用所在收款终端的系统内存。
本说明书实施例还提供一种支付方法，应用于付款应用，包括：在网络连接状态下，获取保存在系统内存的支付授权凭证，所述支付授权凭证是在无网络状态下，根据从付款用户对应的支付账户获取的支付信息生成的，所述支付信息反映支付授权信息，所述系统内存是所述收款应用所在收款终端的系统内存；根据所述支付授权凭证向服务器发送扣款请求，以使所述服务器在验证所述扣款请求后，根据所述扣款请求从所述支付账户中扣除支付款；接收来自所述支付账户的支付款。
本说明书实施例还提供一种支付装置，应用于付款应用，包括：获取模块，在无网络连接时，识别来自付款用户对应的支付账户的支付信息，所述支付信息反映支付授 权信息；生成模块，根据所述支付信息生成支付授权凭证；保存模块，将所述支付授权凭证保存在系统内存中，以在网络连接状态下，利用所述支付授权凭证向服务器请求从所述支付账户中扣款，其中，所述系统内存是所述收款应用所在收款终端的系统内存。
本说明书实施例还提供一种支付装置，应用于付款应用，包括：获取模块，在网络连接状态下，获取保存在系统内存的支付授权凭证，所述支付授权凭证是在无网络状态下，根据从付款用户对应的支付账户获取的支付信息生成的，所述支付信息反映支付授权信息，所述系统内存是所述收款应用所在收款终端的系统内存；发送模块，根据所述支付授权凭证向服务器发送扣款请求，以使所述服务器在验证所述扣款请求后，根据所述扣款请求从所述支付账户中扣除支付款；接收模块，接收来自所述支付账户的支付款。
本说明书实施例还提供一种电子设备，包括至少一个处理器及存储器，存储器存储有程序，并且被配置成至少一个处理器执行以下步骤：在无网络连接时，识别来自付款用户对应的支付账户的支付信息，所述支付信息反映支付授权信息；根据所述支付信息生成支付授权凭证；将所述支付授权凭证保存在系统内存中，以在网络连接状态下，利用所述支付授权凭证向服务器请求从所述支付账户中扣款，其中，所述系统内存是所述收款应用所在收款终端的系统内存。
本说明书实施例还提供一种电子设备，包括至少一个处理器及存储器，存储器存储有程序，并且被配置成至少一个处理器执行以下步骤：在网络连接状态下，获取保存在系统内存的支付授权凭证，所述支付授权凭证是在无网络状态下，根据从付款用户对应的支付账户获取的支付信息生成的，所述支付信息反映支付授权信息，所述系统内存是所述收款应用所在收款终端的系统内存；根据所述支付授权凭证向服务器发送扣款请求，以使所述服务器在验证所述扣款请求后，根据所述扣款请求从所述支付账户中扣除支付款；接收来自所述支付账户的支付款。
本说明书实施例采用的上述至少一个技术方案能够达到以下有益效果：通过在无网络连接时，根据支付信息生成支付授权凭证，并将支付授权凭证保存在系统内存中，这样，在网络恢复连接时，可以利用存储在系统内存中的支付授权凭证，向服务器请求从对应的支付账户中扣款，完成无网络连接时的业务交易。
通过将支付授权凭证存储在系统内存，可以提高支付授权凭证的可追溯性，在恢复网络连接时，可以快速恢复业务交易的证明信息，以实现离线交易支付。
附图说明
此处所说明的附图用来提供对本说明书实施例的进一步理解，构成本说明书实施例的一部分，本说明书的示意性实施例及其说明用于解释本申请，并不构成对本申请的不当限定。在附图中：
图1为本说明书实施例提供的一种支付系统的结构示意图；
图2为本说明书实施例提供的一种支付方法的流程示意图；
图3为本说明书实施例提供的一种支付方法的流程示意图；
图4为本说明书实施例提供的一种支付方法的时序图；
图5为本说明书实施例提供的一种支付方法中支付授权凭证的示意图；
图6为本说明书实施例提供的一种支付装置的结构示意图；
图7为本说明书实施例提供的一种支付装置的结构示意图。
具体实施方式
现有支付方式中，一般是采用电子支付或者移动支付等，而要顺利进行电子支付或者移动支付等，则需要交易双方的交易设备具有稳定的网络环境。在进行电子支付过程中，可能受到环境干扰、或者其他通信故障，使得买卖双方的交易设备所处的网络环境不稳定，甚至无法连接到网络的情况下，买卖双方难以进行甚至无法进行电子支付或者移动支付。
因此，本说明书实施例提供一种支付方法、装置及电子设备，在无网络状态下，根据支付信息生成支付授权凭证，并将支付授权凭证保存在系统内存，这样，在网络恢复连接时，可以利用存储在系统内存中的支付授权凭证，提取对应的支付信息，从而可以利用该支付信息向服务器请求从该支付信息包含的支付账户中扣款，完成无网络状态下的业务交易。这样，通过将支付授权凭证存储在系统内存，可以提高支付授权凭证的可追溯性，在恢复网络连接时，可以快速恢复业务交易，以实现离线交易支付。
为使本申请的目的、技术方案和优点更加清楚，下面将结合本说明书具体实施例及相应的附图对本申请技术方案进行清楚、完整地描述。显然，所描述的实施例仅是本说明书一部分实施例，而不是全部的实施例。基于本说明书中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范 围。
以下结合附图，详细说明本说明书各实施例提供的技术方案。
图1为本说明书实施例提供的一种支付系统的结构示意图。
在本说明书实施例中，所述支付系统包括收款终端100、付款终端200和服务器300。
其中，收款终端100，用于向付款终端200发起收款，获取付款终端200的支付信息，在无网络状态下，根据该支付信息生成支付授权凭证，并将该支付授权凭证保存在系统内存中，以在网络恢复连接时，根据该支付授权凭证向服务器300发送扣款请求，完成业务交易。
付款终端200，用于根据业务交易内容向收款终端100付款，在无网络状态下，向收款终端100展示支付信息，以获取对应的业务服务。
服务器300，用于验证收款终端100发送的扣款请求，在验证通过后，根据该扣款请求从付款终端200的支付账户中转移对应金额的款项到收款终端100对应的收款账户中，并向收款终端100和付款终端200返回支付结果。
在本说明书实施例中，收款终端100可以是指收款用户所持有的收款设备，具体可以是手机、平板电脑、POS机或者其他收款设备，在此不做具体限定。在收款终端100中安装有用于收款的收款应用，该收款应用可以向服务器300请求从付款终端200对应的支付账户中扣款。
服务器300可以是指所述付款终端200中所安装的支付应用所对应的服务器。在具体应用场景中，付款终端200所使用的支付应用和收款终端100所使用的收款应用可以为同一个支付应用，或者是共用同一个服务器的不同支付应用，在此不做具体限定。
本说明书实施例提供的一种支付系统，在无网络状态下，收款终端100根据从付款终端200获取的支付信息生成支付授权凭证，并将支付授权凭证保存在系统内存，这样，在网络恢复连接时，收款终端100可以利用存储在系统内存中的支付授权凭证，提取对应的支付信息，从而可以利用该支付信息向服务器300请求从付款终端200对应的支付账户中扣款，完成无网络状态下的业务交易。这样，通过将支付授权凭证存储在付款终端200的系统内存，可以提高支付授权凭证的可追溯性，在恢复网络连接时，可以快速恢复业务交易，以实现离线交易支付。
图2为本说明书实施例提供的一种支付方法的流程示意图，其中，本说明书实施例提供的支付方法应用于收款应用。
S201：在无网络连接时，识别来自付款用户对应的支付账户的支付信息，所述支付信息反映支付授权信息。
在本说明书实施例中，付款用户可以是指与收款用户进行业务交易的用户，付款用户可以通过向收款用户支付一定的资金，以获取收款用户所提供的业务服务，具体可以是商场购物、航班上购物等，在此不做具体限定。
支付账户可以理解为付款用户所持有的付款设备中用于付款的应用对应的账户，在支付账户中存储有一定金额的电子货币，用户可以利用该支付账户进行付款，以获取需要的业务服务。在具体应用场景中，支付信息可以反映支付授权信息，支付授权信息可以是指付款用户对业务交易的支付授权，即该支付信息授予了收款用户直接从对应的支付账户中获取对应金额的支付款的权限。
作为一种应用实施例，识别来自付款用户的支付账户的支付信息，可以包括：在无网络连接时，识别来自所述支付账户的支付信息。
在具体应用场景中，付款用户所持有的付款终端也可能处于无网络连接状态，在这种情况下，付款用户可以利用付款终端在本地进行验证离线支付指令，在验证通过后，根据离线支付指令生成支付信息。也就是说，支付信息是在收款用户和付款用户在完成业务交易的验证操作之后生成的。
在本说明书实施例中，支付信息可以理解为在网络断开连接的状态下，向指定的收款用户支付指定金额的扣款授权信息，以用于在恢复网络连接时，收款用户能够利用该支付信息向服务器请求扣款。
其中，支付信息具体可以包括交易单号、交易金额、交易时间、支付账户信息、收款账户信息等，在此不做具体限定。
S203：根据所述支付信息生成支付授权凭证。
在本说明书实施例中，支付授权凭证可以理解为将支付信息以一定方式进行保存的扣款证明信息，以便后期在网络恢复连接时，进行读取，以向服务器提供扣除支付款的业务交易证明。
无网络连接可以是指付款终端和/或收款终端无法连接到网络的状态，在这种状态 下，付款应用和/或收款应用处于离线状态，无法连接服务器。也就是说，在这种情况下，无法从支付账户中扣除一定的支付款，而是通过支付信息给予收款应用在恢复网络连接后可以直接从支付账户中扣除支付款的权限，而不需要由付款用户的再次认证扣款。
在具体应用场景中，支付授权凭证可以包括如下至少一种：支付授权二维码；支付授权日志；支付授权文本。
其中，支付授权二维码可以是指根据支付信息生成的二维码，该二维码内携带有包括支付信息在内的支付授权信息，在生成支付授权二维码之后，可以将该二维码以图片的形式进行保存；支付授权日志可以是指在接收到支付信息后系统生成的日志文件；支付授权文本可以是指根据支付信息生成的文本文件，具体可以是文本文档、Word文档或者Excel文档等，在此不做具体限定。
作为一种应用实施例，根据所述支付信息生成支付授权凭证，可以包括：对所述支付信息进行校验；若校验通过，则将所述支付信息转换为加密编码；根据所述加密编码生成所述支付授权凭证。
在本说明书实施例中，由于是无网络连接下的业务交易，收款用户在利用收款设备识别到付款用户的支付信息后，可以对该支付信息进行校验，以确保该支付信息的合法性，具体可以是对支付信息的付款用户信息、收款用户信息、交易金额、交易时间、交易物品等进行校验，使得在恢复网络连接时，能够准确的从付款用户的支付账户中扣除指定交易金额的支付款。
加密编码可以理解为一种加密形式的编码，在对支付信息进行校验后，通过将支付信息的明文转换为加密编码形式，然后再根据该加密编码生成支付授权凭证，既能够降低支付信息在保存过程中的数据丢失风险，增强安全性，还能降低支付信息的存储空间。
具体的，加密编码可以采用Base64编码形式，其中，Base64是网络上最常见的用于传输8Bit字节码的编码方式之一，Base64就是一种基于64个可打印字符来表示二进制数据的方法，可以将信息明文进行加密。
作为一种应用实施例，根据所述加密编码生成支付授权凭证，可以包括：根据所述加密编码生成支付授权二维码；将所述支付授权二维码保存为图片，得到所述支付授权凭证。
在业务交易双方，付款用户和收款用户完成离线业务交易认证后，收款应用可以 根据获取的加密编码生成支付授权二维码。这样，在恢复网络连接时，付款终端或者服务器只需要识别该支付授权二维码，就可以提取到保存的支付信息。
进一步地，将所述支付授权二维码保存为图片，可以包括：利用所述支付信息确定所述支付授权二维码对应的索引信息，以利用所述索引信息查找对应的支付授权二维码；将所述支付授权二维码和所述索引信息保存为图片，得到所述支付授权凭证。
在本说明书实施例中，索引信息可以是指能够表征对应的支付授权凭证的业务交易特征的特征信息，可以用于快速定位查询对应的支付授权凭证，如支付授权二维码。索引信息具体可以是业务交易订单号、业务交易的核心字段描述等，在此不做具体限定。
例如，在某一航空航班上，所有终端设备均处于无网络连接状态，当用户想从空乘那里购买礼品时，用户可以利用支付应用扫描空乘通过收款设备展示的商品码，或者由空乘利用收款设备扫描用户展示的付款码，由用户和/或空乘进行本地的离线业务交易认证后，空乘便可以通过收款设备获取对应的支付信息。在利用收款设备生成支付授权二维码时，可以同步生成该支付授权二维码的索引信息，具体可以是业务交易订单号、航班号+订单概要描述等。
作为另外一种应用实施例，根据所述加密编码生成支付授权凭证，可以包括：根据所述加密编码生成支付授权文本；利用所述支付信息确定所述支付授权文本的文本索引；将所述文本索引添加到所述支付授权文本中，得到支付授权凭证，以利用所述文本索引查找对应的支付授权文本。
文本索引可以理解为与支付授权文本对应的索引信息，具体如上述实施例所述的索引信息，在此不再赘述。
S205：将所述支付授权凭证保存在系统内存中，以在网络连接状态下，利用所述支付授权凭证向服务器请求从所述支付账户中扣款，其中，所述系统内存是所述收款应用所在终端的系统内存。
在本说明书实施例中，系统内存可以理解为收款终端的内部存储器，是一种硬件设备，用于存储终端的运行程序和处理的数据，因此，系统内存里面存储的数据与终端系统的运行息息相关，不容易丢失。同时，由于系统内存的大小还影响着终端系统的运行速率，所以并不是终端中所有的数据均可以存储在系统内存中，与终端系统的运行程序无关的其他数据需要获得授权后才能存储在系统内存中。
作为一种应用实施例，将所述支付授权凭证保存在系统内存中，可以包括：判断 用户是否授予将支付授权凭证保存在系统内存的存储权限；若是，则将所述支付授权凭证保存在系统内存中。
在本说明书实施例中，在将支付授权凭证保存在系统内存中之前，通过判断用户是否授予系统内存的存储权限，可以避免将终端系统运行程序以外的数据错误存储到系统内存中，而导致影响终端系统的运行速率。
进一步地，将所述支付授权凭证保存在系统内存中，可以包括：在所述收款终端界面显示是否保存所述支付授权凭证的提示信息；判断用户是否选择保存所述支付授权凭证；若是，则将所述支付授权凭证保存在系统内存中。
在具体应用场景中，在生成支付授权凭证后，在收款终端的显示界面可以显示是否保存该支付授权凭证的提示信息，以提醒用户是否将支付授权凭证保存到系统内存中，避免丢失。
进一步地，将所述支付授权凭证保存在系统内存中，可以包括：在监测到用户长按所述支付授权凭证时，判断用户是否选择保存在系统内存的选项；若是，则将所述支付授权凭证保存在系统内存中。
在具体应用场景中，在生成支付授权凭证后，用户还可以通过长按支付授权凭证，触发显示关于该支付授权凭证的属性选项，其中包括将支付授权凭证保存至系统内存的选项。这样，用户可以根据数据的重要性来自主选择是否授予将支付授权凭证保存到系统内存的存储权限。
作为另外一种应用实施例，将所述支付授权凭证存储在系统内存中，还可以包括：将所述支付授权凭证另外存储在应用缓存中。
在实际应用中，终端系统会给每个应用分配一定存储空间的应用缓存来存储该应用运行时所产生的应用数据。所以，在支付授权凭证生成后，会自动存储在收款应用对应的应用缓存中。
本说明书实施例提供的一种支付方法，通过在无网络连接时，根据支付信息生成支付授权凭证，并将支付授权凭证保存在系统内存中，这样，在网络恢复连接时，可以利用存储在系统内存中的支付授权凭证，向服务器请求从对应的支付账户中扣款，完成无网络连接时的业务交易。通过将支付授权凭证存储在系统内存，可以提高支付授权凭证的可追溯性，在恢复网络连接时，可以快速恢复业务交易的证明信息，以实现离线交易支付。
图3为本说明书实施例提供的一种支付方法的流程示意图，其中，本说明书实施例提供的一种支付方法应用于收款应用。
S301：在网络连接状态下，获取保存在系统内存的支付授权凭证，所述支付授权凭证是在无网络状态下，根据从付款用户对应的支付账户获取的支付信息生成的，所述支付信息反映支付授权信息，所述系统内存是所述收款应用所在收款终端的系统内存。
在本说明书实施例中，系统内存的含义与上述说明书实施例中所记载的系统内存的含义相同，在此不再赘述。
作为一种应用实施例，获取保存在系统内存的支付授权凭证，可以包括：判断应用缓存是否存储有所述支付授权凭证；若否，则根据索引信息在所述系统内存中查找对应的支付授权凭证。
由于应用缓存为终端系统CPU的一部分，能够快速的存取应用数据，所以，为提高数据处理速度，在从系统内存中查找获取支付授权凭证之前，可以先判断应用缓存中是否存储有支付授权凭证，若是，则可以直接利用应用缓存中存储的支付授权凭证进行支付数据处理；若没有存储，即应用缓存中存储的数据丢失，则可以进一步从系统内存中查找对应的支付授权凭证进行支付数据处理。
进一步地，在根据索引信息在所述系统内存中查找对应的支付授权凭证之后，还可以包括：将所述支付授权凭证另外保存至所述应用缓存，以利用所述应用缓存中存储的支付授权凭证向服务器发送扣款请求。
在本说明书实施例中，在从系统内存中查找到对应的支付授权凭证后，可以将该支付授权凭证回复保存到应用缓存中，同时保留存储在系统内存中的支付授权凭证。这样，就可以利用应用缓存能够快速读取数据的特性，快速的读取支付授权凭证，以提高数据处理效率。
S303：根据所述支付授权凭证向服务器发送扣款请求，以使所述服务器在验证所述扣款请求后，根据所述扣款请求从所述支付账户中扣除支付款。
在本说明书实施例中，扣款请求可以理解为携带有支付信息的请求服务器进行扣款的请求信息，具体的，可以由收款应用提取支付授权凭证中的支付信息后，向服务器发送携带有提取的支付信息的扣款请求；收款应用还可以直接向服务器发送携带有支付授权凭证的扣款请求，由服务器从支付授权凭证中提取支付信息，在此不做具体限定。
作为一种应用实施例，根据所述支付授权凭证向服务器发送扣款请求，可以包括： 从所述支付授权凭证中提取对应的支付信息；将携带所述支付信息的扣款请求发送给所述服务器，以使所述服务器在验证所述支付信息后，根据所述支付信息从所述支付账户中扣除支付款。
在本说明书实施例中，收款应用可以先从支付授权凭证中提取对应的支付信息，具体可以是，识别支付授权二维码中携带的支付信息，或者利用图像识别技术提取支付授权文本中记载的支付信息，在此不做具体限定。
这样，服务器在接收到扣款请求后，可以直接对支付信息进行离线交易验证，在验证通过后，可以直接从对应的支付账户中扣除指定金额的支付款给收款应用对应的账户。
作为另外一种应用实施例，根据所述支付授权凭证向服务器发送扣款请求，可以包括：向所述服务器发送携带所述支付授权凭证的扣款请求，以使所述服务器从所述支付授权凭证中提取对应的支付信息，在验证所述支付信息后，根据所述支付信息从对应的支付账户中扣除支付款。
在本说明书实施例中，收款应用直接向服务器发送携带支付授权凭证的扣款请求，这样，可以将提取支付信息的操作由服务器完成，从而可以减轻收款终端的数据处理压力。
S305：接收来自所述支付账户的支付款。
服务器在通过离线业务交易的合法性验证后，可以根据获取的支付信息从对应的支付账户中扣除指定金额的电子货币到收款应用对应的账户中，并向付款终端返回支付结果。
本说明书实施例提供的一种支付方法，通过在无网络连接时，根据支付信息生成支付授权凭证，并将支付授权凭证保存在系统内存中，这样，在网络恢复连接时，可以利用存储在系统内存中的支付授权凭证，向服务器请求从对应的支付账户中扣款，完成无网络连接时的业务交易。通过将支付授权凭证存储在系统内存，可以提高支付授权凭证的可追溯性，在恢复网络连接时，可以快速恢复业务交易的证明信息，以实现离线交易支付。
图4为本申请说明书实施例提供的一种支付方法的时序图。
在无网络连接状态下。
S401：收款终端4B向付款终端4A展示商品。
S403：在需要购买展示的商品时，付款终端4A验证离线业务交易。
S405：收款终端4B从付款终端4A中识别支付信息。
在具体应用场景中，可以是付款终端4A向收款终端4B展示付款码，由收款终端4B通过扫描该付款码识别支付信息；或者，还可以是由付款终端4A扫描收款终端4B展示的商品码，并根据扫描结果填写支付信息等，在此不做具体限定。
S407：收款终端4B根据支付信息生成支付授权凭证。
在本说明书实施例中，生成的支付授权凭证为支付授权二维码图片，该二维码图片上显示有支付授权凭证的索引信息。
如图5所示，为一笔离线业务交易所生成的支付授权凭证，该支付授权保证包括支付授权二维码和索引信息，其中，该索引信息包含二维码下方的订单号和二维码上方的商品名称。
S409：收款终端4B将支付授权凭证保存到系统内存中。
在本说明书实施例中，在生成支付授权凭证后，会自动在应用缓存中保存该支付授权凭证和索引信息。
在恢复网络连接状态下。
S411：收款终端4B在检测到应用缓存中保存的支付授权凭证数据丢失时，利用索引信息在系统内存中读取对应的支付授权凭证。
S413：收款终端4B将在系统内存中读取得到的支付授权凭证保存到应用缓存中。
S415：收款终端4B从支付授权凭证中提取支付信息。
S417：收款终端4B根据提取的所述支付信息，向服务器4C发送携带有所述支付信息的扣款请求。
S419：服务器4C对扣款请求中携带的支付信息进行验证。
S421：在验证通过后，服务器4C根据支付信息从对应的支付账户中扣除指定金额的支付款到指定的收款账户。
S423：服务器4C向收款终端4B返回支付结果。
S425：服务器4C向付款终端4A返回支付结果。
本说明书实施例提供的一种支付方法，通过在无网络连接时，由收款终端4B根据支付信息生成支付授权凭证，并将支付授权凭证保存在系统内存中，这样，在网络恢复连接时，收款终端4B可以利用存储在系统内存中的支付授权凭证，向服务器4C请求从对应的支付账户中扣款，完成无网络连接时的业务交易。通过将支付授权凭证存储在系统内存，可以提高支付授权凭证的可追溯性，在恢复网络连接时，可以快速恢复业务交易的证明信息，以实现离线交易支付。
图6为本申请说明书实施例提供的一种支付装置的结构示意图，其中，本说明书实施例提供的一种支付装置应用于收款应用。
识别模块601，在无网络连接时，识别来自付款用户对应的支付账户的支付信息，所述支付信息反映支付授权信息；
生成模块602，根据所述支付信息生成支付授权凭证；
保存模块603，将所述支付授权凭证保存在系统内存中，以在网络连接状态下，利用所述支付授权凭证向服务器请求从所述支付账户中扣款，其中，所述系统内存是所述收款应用所在收款终端的系统内存。
本说明书实施例提供的一种支付装置，通过在无网络连接时，根据支付信息生成支付授权凭证，并将支付授权凭证保存在系统内存中，这样，在网络恢复连接时，可以利用存储在系统内存中的支付授权凭证，向服务器请求从对应的支付账户中扣款，完成无网络连接时的业务交易。通过将支付授权凭证存储在系统内存，可以提高支付授权凭证的可追溯性，在恢复网络连接时，可以快速恢复业务交易的证明信息，以实现离线交易支付。
图7为本申请说明书实施例提供的一种支付装置的结构示意图，其中，本说明书实施例提供的一种支付装置应用于收款应用。
获取模块701，在网络连接状态下，获取保存在系统内存的支付授权凭证，所述支付授权凭证是在无网络状态下，根据从付款用户对应的支付账户获取的支付信息生成的，所述支付信息反映支付授权信息，所述系统内存是所述收款应用所在收款终端的系统内存；
发送模块702，根据所述支付授权凭证向服务器发送扣款请求，以使所述服务器在验证所述扣款请求后，根据所述扣款请求从所述支付账户中扣除支付款；
接收模块703，接收来自所述支付账户的支付款。
本说明书实施例提供的一种支付装置，通过在无网络连接时，根据支付信息生成支付授权凭证，并将支付授权凭证保存在系统内存中，这样，在网络恢复连接时，可以利用存储在系统内存中的支付授权凭证，向服务器请求从对应的支付账户中扣款，完成 无网络连接时的业务交易。通过将支付授权凭证存储在系统内存，可以提高支付授权凭证的可追溯性，在恢复网络连接时，可以快速恢复业务交易的证明信息，以实现离线交易支付。
基于同一发明构思，本说明书实施例还提供一种电子设备，包括至少一个处理器及存储器，存储器存储有程序，并且被配置成由至少一个处理器执行以下步骤：在无网络连接时，识别来自付款用户对应的支付账户的支付信息，所述支付信息反映支付授权信息；根据所述支付信息生成支付授权凭证；将所述支付授权凭证保存在系统内存中，以在网络连接状态下，利用所述支付授权凭证向服务器请求从所述支付账户中扣款，其中，所述系统内存是所述收款应用所在收款终端的系统内存。
其中，处理器的其他功能还可以参见上述实施例中记载的内容，这里不再一一赘述。
基于同一发明构思，本说明书实施例还提供一种计算机可读存储介质，包括与电子设备结合使用的程序，程序可被处理器执行以完成以下步骤：在无网络连接时，识别来自付款用户对应的支付账户的支付信息，所述支付信息反映支付授权信息；根据所述支付信息生成支付授权凭证；将所述支付授权凭证保存在系统内存中，以在网络连接状态下，利用所述支付授权凭证向服务器请求从所述支付账户中扣款，其中，所述系统内存是所述收款应用所在收款终端的系统内存。
其中，处理器的其他功能还可以参见上述实施例中记载的内容，这里不再一一赘述。
基于同一发明构思，本说明书实施例还提供一种电子设备，包括至少一个处理器及存储器，存储器存储有程序，并且被配置成由至少一个处理器执行以下步骤：在网络连接状态下，获取保存在系统内存的支付授权凭证，所述支付授权凭证是在无网络状态下，根据从付款用户对应的支付账户获取的支付信息生成的，所述支付信息反映支付授权信息，所述系统内存是所述收款应用所在收款终端的系统内存；根据所述支付授权凭证向服务器发送扣款请求，以使所述服务器在验证所述扣款请求后，根据所述扣款请求从所述支付账户中扣除支付款；接收来自所述支付账户的支付款。
其中，处理器的其他功能还可以参见上述实施例中记载的内容，这里不再一一赘述。
基于同一发明构思，本说明书实施例还提供一种计算机可读存储介质，包括与电子设备结合使用的程序，程序可被处理器执行以完成以下步骤：在网络连接状态下，获取保存在系统内存的支付授权凭证，所述支付授权凭证是在无网络状态下，根据从付款用户对应的支付账户获取的支付信息生成的，所述支付信息反映支付授权信息，所述系统内存是所述收款应用所在收款终端的系统内存；根据所述支付授权凭证向服务器发送 扣款请求，以使所述服务器在验证所述扣款请求后，根据所述扣款请求从所述支付账户中扣除支付款；接收来自所述支付账户的支付款。
其中，处理器的其他功能还可以参见上述实施例中记载的内容，这里不再一一赘述。
在20世纪90年代，对于一个技术的改进可以很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(例如，对于方法流程的改进)。然而，随着技术的发展，当今的很多方法流程的改进已经可以视为硬件电路结构的直接改进。设计人员几乎都通过将改进的方法流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个方法流程的改进就不能用硬件实体模块来实现。例如，可编程逻辑器件(Programmable Logic Device,PLD)(例如现场可编程门阵列(Field Programmable Gate Array，FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，例如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL(Very-High-Speed Integrated Circuit Hardware Description Language)与Verilog。本领域技术人员也应该清楚，只需要将方法流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可以很容易得到实现该逻辑方法流程的硬件电路。
控制器可以按任何适当的方式实现，例如，控制器可以采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，存储器控制器还可以被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可以通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可以被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以将用于实现各 种功能的装置视为既可以是实现方法的软件模块又可以是硬件部件内的结构。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
为了描述的方便，描述以上装置时以功能分为各种模块和/或各种单元分别描述。当然，在实施本申请时可以把各模块和/或各单元的功能在同一个或多个软件和/或硬件中实现。
本领域内的技术人员应明白，本发明的实施例可提供为方法、系统、或计算机程序产品。因此，本发明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，本发明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。
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解为可由计算机程序指令实现流程图和/或方框图中的每一个流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器中以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令来产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
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。
本申请可以在由计算机执行的计算机可执行指令的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可以在分布式计算环境中实践本申请，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
以上所述仅为本申请的实施例而已，并不用于限制本申请。对于本领域技术人员来说，本申请可以有各种更改和变化。凡在本申请的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本申请的权利要求保护范围之内。

Claims (17)

  1. 一种支付方法，应用于收款应用，包括：
    在无网络连接时，识别来自付款用户对应的支付账户的支付信息，所述支付信息反映支付授权信息；
    根据所述支付信息生成支付授权凭证；
    将所述支付授权凭证保存在系统内存中，以在网络连接状态下，利用所述支付授权凭证向服务器请求从所述支付账户中扣款，其中，所述系统内存是所述收款应用所在收款终端的系统内存。
  2. 如权利要求1所述的方法，根据所述支付信息生成支付授权凭证，包括：
    对所述支付信息进行校验；
    若校验通过，则将所述支付信息转换为加密编码；
    根据所述加密编码生成所述支付授权凭证。
  3. 如权利要求2所述的方法，根据所述加密编码生成所述支付授权凭证，包括：
    根据所述加密编码生成支付授权二维码；
    将所述支付授权二维码保存为图片，得到所述支付授权凭证。
  4. 如权利要求3所述的方法，将所述支付授权二维码保存为图片，包括：
    利用所述支付信息确定所述支付授权二维码对应的索引信息，以利用所述索引信息查找对应的支付授权二维码；
    将所述支付授权二维码和所述索引信息保存为图片，得到所述支付授权凭证。
  5. 如权利要求2所述的方法，根据所述加密编码生成所述支付授权凭证，包括：
    根据所述加密编码生成支付授权文本；
    利用所述支付信息确定所述支付授权文本的文本索引；
    将所述文本索引添加到所述支付授权文本中，得到支付授权凭证，以利用所述文本索引查找对应的支付授权文本。
  6. 如权利要求1所述的方法，将所述支付授权凭证保存在系统内存中，包括：
    在所述收款终端界面显示是否保存所述支付授权凭证的提示信息；
    判断收款用户是否选择保存所述支付授权凭证；
    若是，则将所述支付授权凭证保存在系统内存中。
  7. 如权利要求1所述的方法，将所述支付授权凭证保存在系统内存中，包括：
    在监测到收款用户长按所述支付授权凭证时，判断收款用户是否选择保存在系统内存的选项；
    若是，则将所述支付授权凭证保存在系统内存中。
  8. 如权利要求1所述的方法，将所述支付授权凭证存储在系统内存中，还包括：
    将所述支付授权凭证备份存储在应用缓存中。
  9. 一种支付方法，应用于收款应用，包括：
    在网络连接状态下，获取保存在系统内存的支付授权凭证，所述支付授权凭证是在无网络状态下，根据从付款用户对应的支付账户获取的支付信息生成的，所述支付信息反映支付授权信息，所述系统内存是所述收款应用所在收款终端的系统内存；
    根据所述支付授权凭证向服务器发送扣款请求，以使所述服务器在验证所述扣款请求后，根据所述扣款请求从所述支付账户中扣除支付款；
    接收来自所述支付账户的支付款。
  10. 如权利要求9所述的方法，根据所述支付授权凭证向服务器发送扣款请求，包括：
    从所述支付授权凭证中提取对应的支付信息；
    将携带所述支付信息的扣款请求发送给所述服务器，以使所述服务器在验证所述支付信息后，根据所述支付信息从所述支付账户中扣除支付款。
  11. 如权利要求9所述的方法，根据所述支付授权凭证向服务器发送扣款请求，包括：
    向所述服务器发送携带所述支付授权凭证的扣款请求，以使所述服务器从所述支付授权凭证中提取对应的支付信息，在验证所述支付信息后，根据所述支付信息从对应的支付账户中扣除支付款。
  12. 如权利要求9所述的方法，获取保存在系统内存的支付授权凭证，包括：
    判断应用缓存是否存储有所述支付授权凭证；
    若否，则根据索引信息在所述系统内存中查找对应的支付授权凭证。
  13. 如权利要求12所述的方法，在根据索引信息在所述系统内存中查找对应的支付授权凭证之后，还包括：
    将所述支付授权凭证另外保存至所述应用缓存，以利用所述应用缓存中存储的支付授权凭证向服务器发送扣款请求。
  14. 一种支付装置，应用于收款应用，包括：
    获取模块，在无网络连接时，识别来自付款用户对应的支付账户的支付信息，所述支付信息反映支付授权信息；
    生成模块，根据所述支付信息生成支付授权凭证；
    保存模块，将所述支付授权凭证保存在系统内存中，以在网络连接状态下，利用所述支付授权凭证向服务器请求从所述支付账户中扣款，其中，所述系统内存是所述收款应用所在收款终端的系统内存。
  15. 一种支付装置，应用于收款应用，包括：
    获取模块，在网络连接状态下，获取保存在系统内存的支付授权凭证，所述支付授权凭证是在无网络状态下，根据从付款用户对应的支付账户获取的支付信息生成的，所述支付信息反映支付授权信息，所述系统内存是所述收款应用所在收款终端的系统内存；
    发送模块，根据所述支付授权凭证向服务器发送扣款请求，以使所述服务器在验证所述扣款请求后，根据所述扣款请求从所述支付账户中扣除支付款；
    接收模块，接收来自所述支付账户的支付款。
  16. 一种电子设备，包括至少一个处理器及存储器，存储器存储有程序，并且被配置成至少一个处理器执行以下步骤：
    在无网络连接时，识别来自付款用户对应的支付账户的支付信息，所述支付信息反映支付授权信息；
    根据所述支付信息生成支付授权凭证；
    将所述支付授权凭证保存在系统内存中，以在网络连接状态下，利用所述支付授权凭证向服务器请求从所述支付账户中扣款，其中，所述系统内存是所述收款应用所在收款终端的系统内存。
  17. 一种电子设备，包括至少一个处理器及存储器，存储器存储有程序，并且被配置成至少一个处理器执行以下步骤：
    在网络连接状态下，获取保存在系统内存的支付授权凭证，所述支付授权凭证是在无网络状态下，根据从付款用户对应的支付账户获取的支付信息生成的，所述支付信息反映支付授权信息，所述系统内存是所述收款应用所在收款终端的系统内存；
    根据所述支付授权凭证向服务器发送扣款请求，以使所述服务器在验证所述扣款请求后，根据所述扣款请求从所述支付账户中扣除支付款；
    接收来自所述支付账户的支付款。
PCT/CN2020/139738 2020-03-20 2020-12-26 一种支付方法、装置及电子设备 WO2021184880A1 (zh)

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