WO2023071856A1 - 离线交易的处理 - Google Patents

离线交易的处理 Download PDF

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Publication number
WO2023071856A1
WO2023071856A1 PCT/CN2022/125805 CN2022125805W WO2023071856A1 WO 2023071856 A1 WO2023071856 A1 WO 2023071856A1 CN 2022125805 W CN2022125805 W CN 2022125805W WO 2023071856 A1 WO2023071856 A1 WO 2023071856A1
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transaction
terminal
offline
network connection
judgment result
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PCT/CN2022/125805
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English (en)
French (fr)
Inventor
徐登伟
辛知
万小飞
郑显义
袁伟
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支付宝(杭州)信息技术有限公司
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Priority to EP22885734.8A priority Critical patent/EP4345722A1/en
Publication of WO2023071856A1 publication Critical patent/WO2023071856A1/zh
Priority to US18/396,237 priority patent/US20240127227A1/en

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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
    • 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
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the application provided by the financial institution corresponding to the offline transaction method needs to be installed.
  • the transaction efficiency is low and the transaction success rate is low, and if the user does not install the application, the user needs to perform operations such as downloading, installing, and registering an account to further reduce the transaction efficiency and transaction success rate. Therefore, it is necessary to provide a Choose technical solutions using different offline transaction methods for different scenarios.
  • the purpose of the embodiments of this specification is to provide a technical solution for selecting and using different offline transaction methods for different scenarios.
  • the device includes: a network status acquisition module, which acquires information about the current network connection status of the device for the target transaction; a judgment module, if the current network connection status of the device is The connection state is connected, and it is determined that the network connection state of the second terminal of the transaction target party of the target transaction is not connected, or the current network connection state of the device is not connected, then it is judged whether the device can output A transaction identification code for triggering offline transaction processing of the target transaction; the offline transaction module, based on the judgment result of whether the device can output the transaction identification code, selects an offline transaction strategy corresponding to the judgment result, And perform offline transaction processing on the target transaction with the second terminal based on the selected offline transaction strategy.
  • An offline transaction processing device provided in an embodiment of this specification is provided with a trusted execution environment, including: a processor; and a memory arranged to store computer-executable instructions, the executable instructions When executed, the processor: for the target transaction, acquires information about the current network connection status of the offline transaction processing device; if the current network connection status of the offline transaction processing device is connected, and determines the If the network connection status of the second terminal of the transaction target party of the target transaction is not connected, or the current network connection status of the offline transaction processing device is not connected, then it is judged whether the offline transaction processing device can output A transaction identification code that triggers offline transaction processing of the target transaction; based on a judgment result of whether the offline transaction processing device can output the transaction identification code, select an offline transaction strategy corresponding to the judgment result, and Perform offline transaction processing on the target transaction with the second terminal based on the selected offline transaction strategy.
  • the embodiment of this specification also provides a storage medium, wherein the storage medium is used to store computer-executable instructions, and when the executable instructions are executed, the following process is implemented: for the target transaction, obtain the current network information of the first terminal Information about the connection state; if the current network connection state of the first terminal is connected, and it is determined that the network connection state of the second terminal of the transaction target party of the target transaction is not connected, or the first terminal is currently If the network connection status of the target transaction is not connected, it is judged whether the first terminal can output the transaction identification code used to trigger the offline transaction processing of the target transaction; based on whether the first terminal can output the transaction identification code Judging the result, selecting an offline transaction strategy corresponding to the judgment result, and performing offline transaction processing on the target transaction with the second terminal based on the selected offline transaction strategy.
  • Fig. 1 is an embodiment of an offline transaction processing method in this specification
  • Fig. 2 is a schematic structural diagram of an offline transaction processing system in this specification
  • FIG. 4 is a schematic diagram of an offline transaction processing process in this specification.
  • the embodiments of this specification provide a processing method, device and equipment for offline transactions.
  • offline transactions are still in the preliminary development and user education stage.
  • Common offline transaction methods can include scanning offline transaction graphic codes (such as QR code, etc.) for offline transaction processing, offline transaction processing by entering communication, offline transaction processing by offline voiceprint, and offline transaction processing by Bluetooth, etc.
  • offline transaction processing The methods are provided by different organizations or applications, that is, different organizations or applications have their own designated offline transaction methods for users.
  • some financial institutions provide users with the ability to scan offline transaction graphic codes
  • some other financial institutions provide users with offline transaction processing through access communication
  • some financial institutions provide users with offline transaction processing through Bluetooth, etc.
  • a user needs to conduct offline transactions, he can only use the offline transaction method set by the financial institution corresponding to the transaction method he uses to complete a certain transaction. If the user needs to use a certain offline transaction method, he needs to install the offline transaction method.
  • the application program provided by the financial institution corresponding to the transaction method makes the transaction efficiency low and the transaction success rate is low. If the user does not install the application program, the user needs to download, install, register an account and other operations to further improve transaction efficiency and transaction efficiency. The success rate is low. For this reason, it is necessary to provide a technical solution for choosing different offline transaction methods for different scenarios.
  • an offline transaction may be a transaction in which the terminal devices used by both parties to the transaction are offline (that is, not connected to the network or unable to connect to the network, etc.) , or, it may also be a transaction conducted by both parties when the terminal device used by either party is offline.
  • the terminal device of the transaction initiator i.e.
  • the transaction initiator can select the transaction object that needs to be traded (for example, the transaction initiator can select the commodity that needs to be purchased in an offline store) , after the selection is completed, the selected items can be provided to the settlement management personnel, and the management personnel can calculate the transferred resources (such as the amount to be paid, etc.) required for the selected items. After the calculation is completed, the transaction initiator needs to provide the manager with the information of the account for resource transfer through its first terminal. At this time, the information of the current network connection status can be obtained, and the way of obtaining the information of the network connection status can include multiple For example, the first terminal may regularly or irregularly detect its network connection status, and record information about its network connection status.
  • the first terminal can also synchronize its network connection status information with a designated server (such as a transaction server, etc.).
  • the network connection status of the terminal is set to not connected or the network connection has been disconnected, etc., or, the designated server can also periodically or irregularly send a heartbeat request or a detection request for the network connection to the first terminal, and the first terminal can send its network connection to the first terminal.
  • the information of the connection status is sent to the designated server, and the designated server can record the information of the network connection status. If the designated server does not receive the information of the network connection status of the first terminal within the preset period of time, the information of the network connection status of the first terminal can be recorded. It is set to not connected or the network connection is disconnected, etc., which can be set according to the actual situation, which is not limited in the embodiment of this specification.
  • step S104 if the current network connection state of the first terminal is connected, and it is determined that the network connection state of the second terminal of the transaction target party of the target transaction is not connected, or the current network connection state of the first terminal is not connected connected, then it is judged whether the first terminal can output the transaction identification code used to trigger the offline transaction processing of the target transaction.
  • the transaction target party may be a party that provides a transaction object to the user of the first terminal, where the transaction object may be an object that needs to be traded, such as a commodity, and the transaction target party may be a merchant or the like.
  • the second terminal can be a mobile terminal device such as a mobile phone or a tablet computer, or a computer device such as a notebook computer or a desktop computer, or a POS machine or a cash register, etc., which can be set according to the actual situation. No limit.
  • the transaction identification code can be used to provide the information of the account that needs to be used for a certain transaction, etc. In practical applications, the encoding method can be preset, and the above-mentioned account information, etc.
  • the second terminal may also periodically or irregularly detect its network connection status, and record information about its network connection status.
  • the second terminal can also synchronize its network connection status information to the designated server. If the time length for which the network connection status information of the second terminal has not been updated exceeds a preset time threshold, the network connection status of the second terminal can be set to It is not connected or the network connection has been disconnected, etc., or the designated server can also periodically or irregularly send a heartbeat request or detection request for the network connection to the second terminal, and the second terminal can send information about its network connection status to Designated server, the designated server can record the information of the network connection status, if the designated server does not receive the information of the network connection status of the second terminal within the preset time period, the network connection status of the second terminal can be set as unconnected or network The connection has been disconnected, etc., which can be set according to the actual situation, which is not limited in the embodiment of this specification.
  • the first terminal may send a request to obtain information on the network connection status of the second terminal to the designated server, and the designated server may send the information on the network connection status of the second terminal to The information is sent to the first terminal. If the network connection status of the second terminal is not connected, the first terminal can determine that offline transactions are required. At this time, it can detect the transaction identification code used to generate the transaction identification code for offline transaction processing of the target transaction.
  • the processing process, and the working status of the various components involved (such as the load situation of the processor, the storage status of the memory, etc.), in addition, the processing process of outputting the transaction identification code, and the working status of the various components involved (such as The working state of the display part, the load condition of the processor, etc.), through the above detection process, it can be judged whether the first terminal can output the transaction identification code used to trigger the offline transaction processing of the target transaction, for example, if one or more of the above If an abnormality occurs in one processing process, and/or if one or more of the above-mentioned components are abnormal, it can be determined that the first terminal cannot output the transaction identification code used to trigger the offline transaction processing of the target transaction; otherwise, the first terminal It is possible to output a transaction identification code for triggering offline transaction processing of the target transaction, which can be set according to the actual situation, and is not limited in the embodiment of this specification.
  • the first terminal can determine that offline transactions are required, and at this time, it can detect the processing process for generating the transaction identification code for offline transaction processing of the target transaction , and the working status of the various components involved. In addition, the process of outputting the transaction identification code and the working status of the various components involved can also be detected. Through the above-mentioned detection process, it can be judged whether the first terminal can output a
  • the transaction identification code for offline transaction processing of the target transaction can be set according to the actual situation, which is not limited in the embodiment of this specification.
  • step S106 based on the judgment result of whether the first terminal can output the above-mentioned transaction identification code, an offline transaction strategy corresponding to the judgment result is selected, and the target transaction with the second terminal is carried out based on the selected offline transaction strategy Offline transaction processing.
  • the offline transaction strategy may be a transaction strategy that includes relevant information such as an offline transaction method and an offline transaction processing flow, and the offline transaction strategy may include various types, for example, it may include a strategy of establishing a connection through Bluetooth to conduct offline transactions, (such as infrared signals, etc.)
  • the strategy for establishing a connection and then conducting offline transactions, etc. can be specifically set according to the actual situation, which is not limited in the embodiments of this specification.
  • different offline transaction strategies can be pre-constructed according to the actual situation, and the constructed offline transaction strategies can be stored in a designated storage device or a blockchain system. If it is determined based on the judgment result that the first terminal can output the above-mentioned transaction identification code, an offline transaction strategy corresponding to the judgment result may be selected from the above-mentioned storage device or the block chain system, and based on the selected offline transaction strategy, the first terminal and The second terminal performs offline transaction processing.
  • the first terminal can output the above-mentioned transaction identification code
  • the second terminal can collect the above-mentioned transaction identification code through the decoding and identification components of the transaction identification code, and then, can Establish a specified connection with the first terminal (such as establishing a connection through Bluetooth or establishing a connection through a specified local area network, etc.), through the above connection, offline transaction processing can be performed between the first terminal and the second terminal (that is, the second terminal resolves
  • the transaction identification code can obtain the account information of the transaction initiator, and can perform resource transfer processing based on the account information and the transaction information of the target transaction. After the resource transfer processing is successful, the second terminal can send the resource transfer processing success message to the first terminal. notification messages, etc.).
  • Embodiment 2 As shown in FIG. 3 , the embodiment of this specification provides a method for processing offline transactions.
  • the execution subject of the method may be the first terminal of the transaction initiator, wherein the first terminal may be a mobile phone or a tablet computer.
  • Such as mobile terminal equipment also can be such as notebook computer or desktop computer and other computer equipment.
  • the method may specifically include the following steps.
  • the transaction identification code may include a graphic code and a code of the biometric feature of the user of the first terminal.
  • a graphic code can be a graphic that uses a specific geometric figure to be distributed on a plane (that is, in a two-dimensional direction) according to a certain rule, and records data symbol information. Specifically, it can include a two-dimensional code, a bar code, and the like.
  • Biological features can include multiple types, such as fingerprint features, palmprint features, facial features, voiceprint features, etc., which can be set according to actual conditions, and are not limited in the embodiment of this specification.
  • the offline transaction strategy involved in the first embodiment above may include one or more of the offline transaction strategy based on the approach communication NFC, the offline transaction strategy based on Bluetooth and the offline transaction strategy based on the local area network. kind.
  • step S306 if the judgment result based on whether the first terminal can output the transaction identification code indicates that the first terminal cannot output the above-mentioned transaction identification code, then select the offline transaction strategy based on the approach communication NFC as the corresponding judgment result. Offline trading strategy.
  • step S306 can be various, and an optional processing method is provided below, which may specifically include the following content: if the judgment result based on whether the first terminal can output the transaction identification code indicates that the first terminal is in a power-off state, then Select the offline trading strategy based on the entry communication NFC as the offline trading strategy corresponding to the judgment result.
  • step S106 In addition to realizing the above-mentioned processing of step S106 in the above-mentioned manner, the above-mentioned processing of step S106 may also be realized in the following manner, which may specifically include the following related content.
  • the first terminal can output the above-mentioned transaction identification code
  • the first terminal can output the above-mentioned transaction identification code (specifically, such as displaying a graphic code, outputting voiceprint information (which can be text , graphics or audio data, etc.), output facial feature encoding, etc.)
  • the second terminal can collect the above-mentioned transaction identification code through the decoding and identification components of the transaction identification code, and then determine whether the second terminal is in the same local area network as the first terminal
  • the current device list can be obtained from the gateway, and it is determined whether the information of the second terminal is included in it. If so, it is determined that the second terminal is in the same local area network as the first terminal; otherwise, the second terminal is not connected to the first terminal. are on the same LAN.
  • step S310 if yes, select an offline transaction strategy based on a local area network as the offline transaction strategy corresponding to the above judgment result.
  • an offline transaction strategy based on the local area network can be selected from a storage device or a block chain system that stores the offline transaction strategy, and The offline transaction strategy based on the local area network can be used as the offline transaction strategy corresponding to the judgment result.
  • step S312 if the second terminal and the first terminal are in different local area networks, then select the Bluetooth-based offline transaction strategy as the offline transaction strategy corresponding to the above judgment result.
  • step S314 offline transaction processing is performed on the target transaction with the second terminal based on the selected offline transaction strategy.
  • the transaction initiator can bring the first terminal close to the second terminal, and communicate with the NFC module in the first terminal.
  • the second terminal establishes a communication connection
  • the NFC module may include a secure element (Secure Element, SE), a non-contact front-end CLF (or NFC controller), a radio frequency antenna (Antenna), etc., through the above components of the NFC module, the first A communication connection can be established between a terminal and a second terminal, and safe data interaction can be performed, and offline transactions can be finally completed.
  • the transaction initiator can activate the Bluetooth of the first terminal, and the transaction target party can also activate the Bluetooth of the second terminal, and then, the transaction between the first terminal and the second terminal A Bluetooth connection can be established between the first terminal and the Bluetooth in the second terminal to establish a communication connection. Based on the established Bluetooth communication connection, data interaction can be performed between the first terminal and the second terminal, and the offline transaction is finally completed.
  • the first terminal of the transaction initiator can establish a communication connection with the second terminal through the gateway of the local area network, and then the first terminal can send the information that needs to be sent to the second terminal sent to the gateway, the gateway forwards the information to the second terminal, similarly, the second terminal can send the information that needs to be returned to the first terminal to the gateway, and the gateway forwards the information to the first terminal , based on the above interaction process, finally the offline transaction can be completed between the first terminal and the second terminal.
  • step S316 if the current network connection status of the first terminal is connected and the network connection status of the second terminal is connected, the online transaction processing of the target transaction is performed between the first terminal and the second terminal through the connected network .
  • the first terminal can display an online transaction identification code (such as an online graphic code, etc. )
  • the second terminal can collect the above-mentioned online transaction identification code through the decoding and identification component of the transaction identification code, and then can analyze the online transaction identification code to obtain the account information of the transaction initiator, and can combine the account information with the target transaction
  • the transaction information is sent to the server, and the server can perform resource transfer processing (such as transfer or payment) based on the account information and the transaction information of the target transaction. After the resource transfer processing is successful, the server can send the resource transfer to the second terminal and the first terminal. Handle successful notification messages, etc.
  • the embodiment of this specification provides a method for processing offline transactions.
  • the first terminal of the transaction initiator obtains information about the current network connection status of the first terminal for the target transaction. If the current network connection status of the first terminal is connected, And it is determined that the network connection state of the second terminal of the transaction target party of the target transaction is not connected, or the current network connection state of the first terminal is not connected, then it is judged whether the first terminal can output an output used to trigger the target transaction to go offline
  • the transaction identification code for transaction processing and then, based on the judgment result of whether the first terminal can output the transaction identification code, select the offline transaction strategy corresponding to the judgment result, and based on the selected offline transaction strategy, communicate with the second terminal
  • the offline transaction method that is most suitable for the current situation can be adaptively selected according to the network connection status, payment scenario, and payment environment of the transaction initiator's first terminal, thereby improving the efficiency of offline transactions and offline transactions.
  • the success rate of the transaction and greatly improve the user's transaction experience.
  • subsequent transaction processing can be carried out according to the interaction method selected by the user (NFC, transaction identification code (such as two-dimensional code)), and the current network environment (LAN, Bluetooth) can be automatically detected to select a suitable networking method for communication
  • the connection further improves the transaction success rate and transaction efficiency.
  • Embodiment 3 The above is the offline transaction processing method provided by the embodiments of this specification. Based on the same idea, the embodiment of this specification also provides an offline transaction processing device, as shown in FIG. 5 .
  • the processing device for the offline transaction includes: a network status acquisition module 501, a judgment module 502 and an offline transaction module 503, wherein: the network status acquisition module 501, for the target transaction, acquires the information of the current network connection status of the device; the judgment module 502 , if the current network connection state of the device is connected, and it is determined that the network connection state of the second terminal of the transaction target party of the target transaction is not connected, or, the current network connection state of the device is not connected, Then judge whether the device can output the transaction identification code used to trigger the offline transaction processing of the target transaction; the offline transaction module 503, based on the judgment result of whether the device can output the transaction identification code, selects the An offline transaction strategy corresponding to the judgment result, and perform offline transaction processing on the target transaction with the second terminal based on the selected offline transaction strategy.
  • the transaction identification code includes a graphic code and a code of the biometric feature of the user of the device.
  • the offline transaction strategy includes one or more of an NFC-based offline transaction strategy, a Bluetooth-based offline transaction strategy, and a LAN-based offline transaction strategy.
  • the offline transaction module 503 if the judgment result indicates that the device cannot output the transaction identification code, then select the offline transaction strategy based on the NFC approach communication as the judgment result The corresponding offline trading strategy.
  • the offline transaction module 503 if the judgment result indicates that the device is powered off, selects the offline transaction strategy based on the NFC approach communication as the offline transaction corresponding to the judgment result Strategy.
  • the offline transaction module 503 includes: a judging unit, if the judging result indicates that the device can output the transaction identification code, then judging whether the second terminal is in the same location as the device In the local area network; if yes, the transaction strategy determination unit selects the offline transaction strategy based on the local area network as the offline transaction strategy corresponding to the judgment result.
  • the device further includes: a transaction policy determination module, if the second terminal is in a different local area network from the device, select the Bluetooth-based offline transaction strategy as the Corresponding offline trading strategy.
  • the device further includes: an online transaction module, if the current network connection status of the device is connected and the network connection status of the second terminal is connected, then the device and the second terminal Online transaction processing is performed on the target transaction through the connected network between the two terminals.
  • the embodiment of this specification provides an offline transaction processing device.
  • the target transaction For the target transaction, the current network connection status information of the offline transaction processing device is obtained. If the current network connection status of the offline transaction processing device is connected, and the target transaction is determined If the network connection status of the second terminal of the transaction target party is not connected, or the current network connection status of the offline transaction processing device is not connected, then it is judged whether the offline transaction processing device can output an output for triggering the offline transaction of the target transaction.
  • the transaction identification code for transaction processing and then, based on whether the offline transaction processing device can output the judgment result of the transaction identification code, select the offline transaction strategy corresponding to the judgment result, and based on the selected offline transaction strategy.
  • Offline transaction processing is performed on target transactions between transactions, so that the offline transaction method that is most suitable for the current situation can be adaptively selected according to the network connection status, payment scenario, and payment environment of the offline transaction processing device of the transaction initiator, thereby improving offline transaction The efficiency and success rate of offline transactions, and greatly improve the user's transaction experience.
  • subsequent transaction processing can be carried out according to the interaction method selected by the user (NFC, transaction identification code (such as two-dimensional code)), and the current network environment (LAN, Bluetooth) can be automatically detected to select a suitable networking method for communication
  • the connection further improves the transaction success rate and transaction efficiency.
  • Embodiment 4 The above is the offline transaction processing device provided by the embodiments of this specification. Based on the same idea, the embodiment of this specification also provides an offline transaction processing device, as shown in FIG. 6 .
  • the offline transaction processing device may be the first terminal provided in the above embodiment.
  • the offline transaction processing equipment may have relatively large differences due to different configurations or performances, and may include one or more processors 601 and memory 602, and one or more storage applications or data may be stored in the memory 602.
  • the storage 602 may be a short-term storage or a persistent storage.
  • the application program stored in the memory 602 may include one or more modules (not shown in the figure), and each module may include a series of computer-executable instructions in the offline transaction processing device.
  • the processor 601 may be configured to communicate with the memory 602, and execute a series of computer-executable instructions in the memory 602 on the offline transaction processing device.
  • the offline transaction processing device may also include one or more power sources 603 , one or more wired or wireless network interfaces 604 , one or more input and output interfaces 605 , and one or more keyboards 606 .
  • the offline transaction processing device includes a memory and one or more programs, wherein one or more programs are stored in the memory, and one or more programs may include one or more modules, and Each module may include a series of computer-executable instructions in a processing device for off-line transactions, and configured to be executed by one or more processors.
  • the one or more programs include computer-executable instructions for performing the following: transaction, obtaining information about the current network connection status of the processing device for the offline transaction; if the current network connection status of the processing device for the offline transaction is connected, and determine the second terminal of the transaction target party of the target transaction If the network connection status is not connected, or the current network connection status of the offline transaction processing device is not connected, then it is judged whether the offline transaction processing device can output an transaction identification code; based on the judgment result of whether the processing device for the offline transaction can output the transaction identification code, select an offline transaction strategy corresponding to the judgment result, and compare the selected offline transaction strategy with the second The target transactions between terminals are processed offline.
  • the transaction identification code includes a graphic code, and a code of a biometric feature of a user of the offline transaction processing device.
  • the offline transaction strategy includes one or more of an NFC-based offline transaction strategy, a Bluetooth-based offline transaction strategy, and a LAN-based offline transaction strategy.
  • the selection of the offline transaction strategy corresponding to the judgment result based on whether the offline transaction processing device can output the transaction identification code includes: if the judgment result indicates that the If the processing device for the offline transaction cannot output the transaction identification code, the offline transaction strategy based on the NFC approach communication is selected as the offline transaction strategy corresponding to the judgment result.
  • select the offline transaction strategy based on the NFC approach communication as the The corresponding offline transaction strategy includes: if the judgment result indicates that the processing device for the offline transaction is in a shutdown state, then selecting the offline transaction strategy based on the approach communication NFC as the offline transaction strategy corresponding to the judgment result .
  • the selection of the offline transaction strategy corresponding to the judgment result based on whether the offline transaction processing device can output the transaction identification code includes: if the judgment result indicates that the If the processing device for the offline transaction can output the transaction identification code, it is judged whether the second terminal is in the same local area network as the processing device for the offline transaction; if yes, the offline transaction strategy based on the local area network is selected as the An offline trading strategy corresponding to the judgment result.
  • it further includes: if the second terminal and the offline transaction processing device are in different local area networks, selecting the Bluetooth-based offline transaction strategy as the offline transaction corresponding to the judgment result Strategy.
  • it also includes: if the current network connection status of the offline transaction processing device is connected and the network connection status of the second terminal is connected, then the offline transaction processing device and the Online transaction processing is performed on the target transaction through the connected network between the second terminals.
  • the embodiment of this specification provides an offline transaction processing device.
  • the target transaction For the target transaction, the current network connection status information of the offline transaction processing device is obtained. If the current network connection status of the offline transaction processing device is connected, and the target transaction is determined If the network connection status of the second terminal of the transaction target party is not connected, or the current network connection status of the offline transaction processing device is not connected, then it is judged whether the offline transaction processing device can output an output to trigger the offline transaction of the target transaction.
  • the transaction identification code for transaction processing and then, based on the judgment result of whether the offline transaction processing device can output the transaction identification code, select the offline transaction strategy corresponding to the judgment result, and based on the selected offline transaction strategy, pair with the second terminal Offline transaction processing for target transactions between transactions, so that the offline transaction method that is most suitable for the current situation can be adaptively selected according to the network connection status, payment scenario, and payment environment of the offline transaction processing device of the transaction initiator, thereby improving offline transaction The efficiency and success rate of offline transactions, and greatly improve the user's transaction experience.
  • subsequent transaction processing can be carried out according to the interaction method selected by the user (NFC, transaction identification code (such as two-dimensional code)), and the current network environment (LAN, Bluetooth) can be automatically detected to select a suitable networking method for communication
  • the connection further improves the transaction success rate and transaction efficiency.
  • Embodiment 5 Further, based on the methods shown in FIGS. 1 to 4 above, one or more embodiments of this specification further provide a storage medium for storing computer-executable instruction information.
  • the storage medium can be a USB flash drive, an optical disc, a hard disk, etc., when the computer-executable instruction information stored in the storage medium is executed by the processor, the following process can be realized: for the target transaction, obtain the current network connection of the first terminal status information;
  • the current network connection state of the first terminal If the current network connection state of the first terminal is connected, and it is determined that the network connection state of the second terminal of the transaction target party of the target transaction is not connected, or, the current network connection state of the first terminal is Not connected, then judge whether the first terminal can output the transaction identification code used to trigger the offline transaction processing of the target transaction; based on the judgment result of whether the first terminal can output the transaction identification code, select the An offline transaction strategy corresponding to the judgment result, and perform offline transaction processing on the target transaction with the second terminal based on the selected offline transaction strategy.
  • the transaction identification code includes a graphic code and a code of the biometric feature of the user of the first terminal.
  • the offline transaction strategy includes one or more of an NFC-based offline transaction strategy, a Bluetooth-based offline transaction strategy, and a LAN-based offline transaction strategy.
  • the selection of an offline transaction strategy corresponding to the judgment result based on the judgment result of whether the first terminal can output the transaction identification code includes: if the judgment result indicates that the first If a terminal cannot output the transaction identification code, the offline transaction strategy based on the NFC approach communication is selected as the offline transaction strategy corresponding to the judgment result.
  • the offline transaction strategy includes: if the judgment result indicates that the first terminal is in a power-off state, selecting the offline transaction strategy based on NFC approach communication as the offline transaction strategy corresponding to the judgment result.
  • the selection of an offline transaction strategy corresponding to the judgment result based on the judgment result of whether the first terminal can output the transaction identification code includes: if the judgment result indicates that the first If a terminal can output the transaction identification code, it is judged whether the second terminal is in the same local area network as the first terminal; Corresponding offline trading strategy.
  • it further includes: if the second terminal and the first terminal are in different local area networks, selecting the Bluetooth-based offline transaction strategy as the offline transaction strategy corresponding to the judgment result.
  • it also includes: if the current network connection state of the first terminal is connected and the network connection state of the second terminal is connected, then the connection between the first terminal and the second terminal online transaction processing for the target transaction through the connected network.
  • the embodiment of this specification provides a storage medium for obtaining the information of the current network connection status of the first terminal for the target transaction. If the current network connection status of the first terminal is connected, and the second If the network connection status of the terminal is not connected, or if the current network connection status of the first terminal is not connected, it is judged whether the first terminal can output a transaction identification code for triggering offline transaction processing of the target transaction, and then, based on the first terminal Whether a terminal can output the judgment result of the transaction identification code, select an offline transaction strategy corresponding to the judgment result, and perform offline transaction processing on the target transaction with the second terminal based on the selected offline transaction strategy, so that According to the network connection status of the first terminal of the transaction initiator, the payment scenario, and the payment environment, the offline transaction method that is most suitable for the current situation can be adaptively selected, thereby improving the efficiency of offline transactions and the success rate of offline transactions, and greatly improving the user experience. transaction experience.
  • subsequent transaction processing can be carried out according to the interaction method selected by the user (NFC, transaction identification code (such as two-dimensional code)), and the current network environment (LAN, Bluetooth) can be automatically detected to select a suitable networking method for communication
  • the connection further improves the transaction success rate and transaction efficiency.
  • a Programmable Logic Device such as a Field Programmable Gate Array (FPGA)
  • FPGA Field Programmable Gate Array
  • HDL Hardware Description Language
  • the controller may be implemented in any suitable way, for example the controller may take the form of a microprocessor or processor and a computer readable medium storing computer readable program code (such as software or firmware) executable by the (micro)processor , logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers and embedded microcontrollers, examples of controllers include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, the memory controller can also be implemented as part of the control logic of the memory.
  • controller in addition to realizing the controller in a purely computer-readable program code mode, it is entirely possible to make the controller use logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded 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 structures within the hardware component. Or even, the means for implementing various functions can be regarded as both software modules implementing the method and structures within hardware components.
  • a typical implementing device is a computer.
  • the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Combinations of any of these devices.
  • one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects.
  • one or more embodiments of the present description may employ a computer program embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein. The form of the product.
  • Embodiments of the present specification are described with reference to flowcharts and/or block diagrams of methods, apparatus (systems), and computer program products according to the embodiments of the present specification. It should be understood that each procedure and/or block in the flowchart and/or block diagram, and a combination of procedures and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable fraudulent serial device to produce a machine such that processing by a computer or other programmable fraudulent serial device The instructions executed by the device generate means for realizing the functions specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.
  • These computer program instructions may also be stored in a computer readable memory capable of directing a computer or other programmable fraud case serial parallel device to operate in a specific manner such that the instructions stored in the computer readable memory produce an article of manufacture comprising instruction means , the instruction means realizes the functions specified in one or more procedures of the flow chart and/or one or more blocks of the block diagram.
  • These computer program instructions may also be loaded onto a computer or other programmable fraud case serial-parallel device, causing a series of operational steps to be performed on the computer or other programmable device to produce a computer-implemented process, whereby the computer or other programmable device
  • the instructions executed above provide steps for implementing the functions specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.
  • a 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
  • Memory may include non-permanent storage in computer readable media, in the form of random access memory (RAM) and/or nonvolatile memory such as read only memory (ROM) or flash RAM. Memory is an example of computer readable media.
  • RAM random access memory
  • ROM read only memory
  • flash RAM flash random access memory
  • Computer-readable media including both permanent and non-permanent, removable and non-removable media, can be implemented by any method or technology for storage of information.
  • Information may be computer readable instructions, data structures, modules of a program, 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, Compact Disc Read-Only Memory (CD-ROM), Digital Versatile Disc (DVD) or other optical storage, Magnetic tape cartridge, tape magnetic disk storage or other magnetic storage device or any other non-transmission medium that can be used to store information that can be accessed by a computing device.
  • computer-readable media excludes transitory computer-readable media, such as modulated data signals and carrier waves.
  • one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects.
  • one or more embodiments of the present description may employ a computer program embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein. The form of the product.
  • program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types.
  • program modules may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network.
  • program modules may be located in both local and remote computer storage media including storage devices.

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Abstract

一种离线交易的处理方法、装置及设备。本方法应用于交易发起方的第一终端，方法包括：针对目标交易，获取第一终端当前的网络连接状态的信息；如果第一终端当前的网络连接状态为已连接，且确定目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，第一终端当前的网络连接状态为未连接，则判断第一终端是否能够输出用于触发对目标交易进行离线交易处理的交易标识码；基于第一终端是否能够输出交易标识码的判断结果，选取与判断结果相对应的离线交易策略，并基于选取的离线交易策略对与第二终端之间的目标交易进行离线交易处理。

Description

离线交易的处理 技术领域
本文件涉及计算机技术领域，尤其涉及一种离线交易的处理方法、装置及设备。
背景技术
在无网络连接的状态下使用离线交易是对在线交易的一个重要补充，当前离线交易还在初步发展和用户教育阶段，常用的离线交易方式可以包括通过扫描离线交易图形码(如二维码等)的方式进行离线交易处理、通过进场通信的方式进行离线交易处理、通过离线声纹的方式进行离线交易处理和通过蓝牙的方式进行离线交易处理等。但是，上述离线交易处理方式分别是不同的组织或应用程序提供的，即不同的组织机构或应用程序设置有其提供给用户使用的指定离线交易方式，因此，如果某用户需要进行离线交易，则只能够使用其使用的交易方式对应的金融机构所设定的离线交易方式完成某项交易，如果用户需要使用某种离线交易方式，则需要安装该离线交易方式对应的金融机构提供的应用程序，从而使得交易效率低下、且交易成功率低下，而如果用户未安装该应用程序，则需要用户进行下载、安装、注册账户等操作进一步使得交易效率和交易成功率低下，为此，需要提供一种针对不同的场景选择使用不同的离线交易方式的技术方案。
发明内容
本说明书实施例的目的是提供一种针对不同的场景选择使用不同的离线交易方式的技术方案。
为了实现上述技术方案，本说明书实施例是这样实现的：本说明书实施例提供的一种离线交易的处理方法，应用于交易发起方的第一终端，所述方法包括：针对目标交易，获取所述第一终端当前的网络连接状态的信息；如果所述第一终端当前的网络连接状态为已连接，且确定所述目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，所述第一终端当前的网络连接状态为未连接，则判断所述第一终端是否能够输出用于触发对所述目标交易进行离线交易处理的交易标识码；基于所述第一终端是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，并基于选取的离线交易策略对与所述第二终端之间的所述目标交易进行离线交易处理。
本说明书实施例提供的一种离线交易的处理装置，所述装置包括：网络状态获取模块，针对目标交易，获取所述装置当前的网络连接状态的信息；判断模块，如果所述装置当前的网络连接状态为已连接，且确定所述目标交易的交易目标方的第二终端的网络 连接状态为未连接，或者，所述装置当前的网络连接状态为未连接，则判断所述装置是否能够输出用于触发对所述目标交易进行离线交易处理的交易标识码；离线交易模块，基于所述装置是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，并基于选取的离线交易策略对与所述第二终端之间的所述目标交易进行离线交易处理。
本说明书实施例提供的一种离线交易的处理设备，所述离线交易的处理设备设置有可信执行环境，包括：处理器；以及被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器：针对目标交易，获取所述离线交易的处理设备当前的网络连接状态的信息；如果所述离线交易的处理设备当前的网络连接状态为已连接，且确定所述目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，所述离线交易的处理设备当前的网络连接状态为未连接，则判断所述离线交易的处理设备是否能够输出用于触发对所述目标交易进行离线交易处理的交易标识码；基于所述离线交易的处理设备是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，并基于选取的离线交易策略对与所述第二终端之间的所述目标交易进行离线交易处理。
本说明书实施例还提供了一种存储介质，其中，所述存储介质用于存储计算机可执行指令，所述可执行指令在被执行时实现以下流程：针对目标交易，获取第一终端当前的网络连接状态的信息；如果所述第一终端当前的网络连接状态为已连接，且确定所述目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，所述第一终端当前的网络连接状态为未连接，则判断所述第一终端是否能够输出用于触发对所述目标交易进行离线交易处理的交易标识码；基于所述第一终端是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，并基于选取的离线交易策略对与所述第二终端之间的所述目标交易进行离线交易处理。
附图说明
为了更清楚地说明本说明书实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本说明书中记载的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1为本说明书一种离线交易的处理方法实施例；
图2为本说明书一种离线交易的处理系统的结构示意图；
图3为本说明书另一种离线交易的处理方法实施例；
图4为本说明书一种离线交易的处理过程的示意图；
图5为本说明书一种离线交易的处理装置实施例；
图6为本说明书一种离线交易的处理设备实施例。
具体实施方式
本说明书实施例提供一种离线交易的处理方法、装置及设备。
为了使本技术领域的人员更好地理解本说明书中的技术方案，下面将结合本说明书实施例中的附图，对本说明书实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅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作出创造性劳动前提下所获得的所有其他实施例，都应当属于本说明书保护的范围。
实施例一：如图1所示，本说明书实施例提供一种离线交易的处理方法，该方法的执行主体可以为交易发起方的第一终端，其中，该第一终端可以如手机、平板电脑等移动终端设备，也可以如笔记本电脑或台式电脑等计算机设备。该方法具体可以包括以下步骤。
在步骤S102中，针对目标交易，获取第一终端当前的网络连接状态的信息。
其中，目标交易可以是任意交易，例如某用户在某商户开设的线下店铺中购买了某商品，该用户通过其第一终端中安装的支付应用程序等就购买的该商品与商户进行结算，从而构成一笔交易，具体可以根据实际情况设定，本说明书实施例对此不做限定。网络连接状态可以用于表征终端设备连接网络的情况，网络连接状态可以包括未连接和已连接等状态等。第一终端可以是交易发起方所使用的终端设备，第一终端可以如手机、平板电脑等移动终端设备，也可以如笔记本电脑或台式电脑等计算机设备。
在实施中，在无网络连接的状态下使用离线交易是对在线交易的一个重要补充，当前离线交易还在初步发展和用户教育阶段，常用的离线交易方式可以包括通过扫描离线交易图形码(如二维码等)的方式进行离线交易处理、通过进场通信的方式进行离线交易处理、通过离线声纹的方式进行离线交易处理和通过蓝牙的方式进行离线交易处理等，但是，上述离线交易处理方式分别是不同的组织或应用程序提供的，即不同的组织机构或应用程序设置有其提供给用户使用的指定离线交易方式，例如，某些金融机构为用户提供了通过扫描离线交易图形码的方式进行离线交易处理的方式，另一些金融机构为用户提供了通过进场通信的方式进行离线交易处理的方式，还有一些金融机构为用户提供 了通过蓝牙的方式进行离线交易处理的方式等，因此，如果某用户需要进行离线交易，则只能够使用其使用的交易方式对应的金融机构所设定的离线交易方式完成某项交易，如果用户需要使用某种离线交易方式，则需要安装该离线交易方式对应的金融机构提供的应用程序，从而使得交易效率低下、且交易成功率低下，而如果用户未安装该应用程序，则需要用户进行下载、安装、注册账户等操作进一步使得交易效率和交易成功率低下，为此，需要提供一种针对不同的场景选择使用不同的离线交易方式的技术方案。本说明书实施例提供一种可实现的技术方案，具体可以包括以下内容：离线交易可以是交易的双方所使用的终端设备均处于离线(即未连接网络或无法连接网络等)状态下进行的交易，或者，也可以是交易双方中的任意一方所使用的终端设备处于离线状态下交易双方进行的交易。如图2所示，对于交易发起方的终端设备(即第一终端)，交易发起方可以选取需要进行交易的交易对象(例如，交易发起方可以在某线下店铺中选取需要购买的商品)，选取完成后，可以将选取的事物提供给结算的管理人员，管理人员可以计算选取的事物所需的转移的资源(如需要支付的金额等)。计算完成后，交易发起方需要通过其第一终端向管理人员提供资源转移的账户的信息，此时，可以获取当前的网络连接状态的信息，其中，获取网络连接状态的信息的方式可以包括多种，例如第一终端可以定期或不定期对其网络连接状态进行检测，并记录其网络连接状态的信息。
此外，第一终端也可以向指定的服务器(如交易服务器等)同步其网络连接状态的信息，如果第一终端的网络连接状态的信息未更新的时长超过预设时长阈值，则可以将第一终端的网络连接状态设置为未连接或网络连接已断开等，或者，指定服务器也可以定期或不定期的向第一终端发送针对网络连接的心跳请求或检测请求，第一终端可以将其网络连接状态的信息发送给指定服务器，指定服务器可以记录网络连接状态的信息，如果指定服务器在预设时长内未接收到第一终端的网络连接状态的信息，则可以将第一终端的网络连接状态设置为未连接或网络连接已断开等，具体可以根据实际情况设定，本说明书实施例对此不做限定。
在步骤S104中，如果第一终端当前的网络连接状态为已连接，且确定目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，第一终端当前的网络连接状态为未连接，则判断第一终端是否能够输出用于触发对目标交易进行离线交易处理的交易标识码。
其中，交易目标方可以是向第一终端的用户提供交易对象的一方，其中的交易对象可以是需要交易的对象，如商品等，交易目标方可以如商户等。第二终端可以如手机、平板电脑等移动终端设备，也可以如笔记本电脑或台式电脑等计算机设备，还可以如 POS机或收银机等，具体可以根据实际情况设定，本说明书实施例对此不做限定。交易标识码可以用于提供进行某交易所需要使用的账户的信息等，在实际应用中，可以预先设定编码方式，通过该编码方式对上述账户的信息等进行编码处理，得到相应的编码结果，可以将该编码结果作为交易标识码，交易标识码可以包括多种不同的呈现方式，例如交易标识码可以为图形码(具体如二维码或条形码等)，交易标识码也可以是基于用户的生物特征进行编码得到(例如声纹特征码、面部特征码等)等，具体可以根据实际情况设定，本说明书实施例对此不做限定。
在实施中，第二终端也可以定期或不定期对其网络连接状态进行检测，并记录其网络连接状态的信息。此外，第二终端也可以向指定的服务器同步其网络连接状态的信息，如果第二终端的网络连接状态的信息未更新的时长超过预设时长阈值，则可以将第二终端的网络连接状态设置为未连接或网络连接已断开等，或者，指定服务器还可以定期或不定期的向第二终端发送针对网络连接的心跳请求或检测请求，第二终端可以将其网络连接状态的信息发送给指定服务器，指定服务器可以记录网络连接状态的信息，如果指定服务器在预设时长内未接收到第二终端的网络连接状态的信息，则可以将第二终端的网络连接状态设置为未连接或网络连接已断开等，具体可以根据实际情况设定，本说明书实施例对此不做限定。
如果第一终端检测到当前的网络连接状态为已连接，则第一终端可以向上述指定服务器发送获取第二终端的网络连接状态的信息的请求，指定服务器可以将第二终端的网络连接状态的信息发送给第一终端，如果第二终端的网络连接状态为未连接，则第一终端可以确定需要进行离线交易，此时，可以检测用于生成对目标交易进行离线交易处理的交易标识码的处理过程，以及涉及的各个部件的工作状态(如处理器的载荷情况、存储器的存储状态等)，此外，还可以检测输出该交易标识码的处理过程，以及涉及的各个部件的工作状态(如显示部件的工作状态、处理器的载荷情况等)，通过上述检测处理，可以判断第一终端是否能够输出用于触发对目标交易进行离线交易处理的交易标识码，例如，如果上述某一个或多个处理过程出现异常，和/或，上述涉及的某一个或多个部件出现异常，则可以确定第一终端无法输出用于触发对目标交易进行离线交易处理的交易标识码，否则，第一终端能够输出用于触发对目标交易进行离线交易处理的交易标识码，具体可以根据实际情况设定，本说明书实施例对此不做限定。
此外，如果第一终端检测到当前的网络连接状态为未连接，则第一终端可以确定需要进行离线交易，此时，可以检测用于生成对目标交易进行离线交易处理的交易标识码的处理过程，以及涉及的各个部件的工作状态，另外，还可以检测输出该交易标识码的 处理过程，以及涉及的各个部件的工作状态，通过上述检测处理，可以判断第一终端是否能够输出用于触发对目标交易进行离线交易处理的交易标识码，具体可以根据实际情况设定，本说明书实施例对此不做限定。
在步骤S106中，基于第一终端是否能够输出上述交易标识码的判断结果，选取与该判断结果相对应的离线交易策略，并基于选取的离线交易策略对与第二终端之间的目标交易进行离线交易处理。
其中，离线交易策略可以是包括离线交易方式、离线交易的处理流程等相关信息的交易策略，离线交易策略可以包括多种，例如，可以包括通过蓝牙建立连接进而进行离线交易的策略、通过射频信号(如红外信号等)建立连接进而进行离线交易的策略等，具体可以根据实际情况设定，本说明书实施例对此不做限定。
在实施中，可以根据实际情况预先构建不同的离线交易策略，并可以将构建的离线交易策略存储于指定的存储设备或区块链系统中。如果基于判断结果确定第一终端能够输出上述交易标识码，则可以从上述存储设备或区块链系统中选取与该判断结果相对应的离线交易策略，基于选取的离线交易策略，第一终端与第二终端进行离线交易处理。例如，如果基于判断结果确定第一终端能够输出上述交易标识码，则第一终端可以输出上述交易标识码，第二终端可以通过交易标识码的解码和识别组件采集上述交易标识码，然后，可以与第一终端之间建立指定的连接(如通过蓝牙建立连接或通过指定的局域网建立连接等)，通过上述连接，第一终端与第二终端之间可以进行离线交易处理(即第二终端解析交易标识码，可以得到交易发起方的账户信息，并可以基于该账户信息和目标交易的交易信息进行资源转移处理，资源转移处理成功后，第二终端可以向第一终端发送资源转移处理成功的通知消息等)。
本说明书实施例提供一种离线交易的处理方法，交易发起方的第一终端，针对目标交易，获取第一终端当前的网络连接状态的信息，如果第一终端当前的网络连接状态为已连接，且确定目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，第一终端当前的网络连接状态为未连接，则判断第一终端是否能够输出用于触发对目标交易进行离线交易处理的交易标识码，然后，基于第一终端是否能够输出该交易标识码的判断结果，选取与该判断结果相对应的离线交易策略，并基于选取的离线交易策略对与第二终端之间的目标交易进行离线交易处理，这样，可以根据交易发起方的第一终端的网络连接状态、支付场景、支付环境自适应选择最适合当前情况的离线交易方式，从而可以提高离线交易的效率和离线交易的成功率，并极大提高用户的交易体验。
实施例二：如图3所示，本说明书实施例提供一种离线交易的处理方法，该方法的 执行主体可以为交易发起方的第一终端，其中，该第一终端可以如手机、平板电脑等移动终端设备，也可以如笔记本电脑或台式电脑等计算机设备。该方法具体可以包括以下步骤。
在步骤S302中，针对目标交易，获取第一终端当前的网络连接状态的信息。
在步骤S304中，如果第一终端当前的网络连接状态为已连接，且确定目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，第一终端当前的网络连接状态为未连接，则判断第一终端是否能够输出用于触发对目标交易进行离线交易处理的交易标识码。
其中，交易标识码可以包括图形码、第一终端的用户的生物特征的编码。图形码可以是用某种特定的几何图形按一定规律在平面(即二维方向上)分布的、记录数据符号信息的图形，具体可以包括二维码、条形码等。生物特征可以包括多种，例如指纹特征、掌纹特征、面部特征、声纹特征等，具体可以根据实际情况设定，本说明书实施例对此不做限定。
上述步骤S302和步骤S304的具体处理过程可以参见上述实施例一中的相关内容，在此不再赘述。
此外，对于上述实施例一中涉及的离线交易策略，在实际应用中，可以包括基于进场通信NFC的离线交易策略、基于蓝牙的离线交易策略和基于局域网的离线交易策略中的一种或多种。
基于上述内容，上述实施例一中步骤S106的具体处理可以多种多样，以下提供三种可选的处理方式，具体可以包括以下步骤S306～步骤S314的处理。
在步骤S306中，如果基于第一终端是否能够输出交易标识码的判断结果指示第一终端不能够输出上述交易标识码，则选取基于进场通信NFC的离线交易策略作为与该判断结果相对应的离线交易策略。
在实施中，如图4所示，如果上述判断结果指示第一终端不能够输出上述交易标识码，则表明第二终端无法通过识别交易标识码的方式进行本次离线交易，而只能够选择其它方式，此外，考虑到第一终端与第二终端需要进行离线交易，因此，可以采用进场通信的方式进行本次离线交易，具体地，可以从存储离线交易策略的存储设备或区块链系统中选择基于进场通信NFC的离线交易策略，并可以将基于进场通信NFC的离线交易策略作为与该判断结果相对应的离线交易策略。
上述步骤S306的具体处理可以多种多样，以下提供一种可选的处理方式，具体可以包括以下内容：如果基于第一终端是否能够输出交易标识码的判断结果指示第一终端处 于关机状态，则选取基于进场通信NFC的离线交易策略作为与该判断结果相对应的离线交易策略。
在实施中，如图4所示，如果上述判断结果指示第一终端处于关机状态，则可以确定第一终端不能够输出上述交易标识码，此时，可以执行上述步骤S306的具体处理。
除了可以通过上述方式实现上述步骤S106的处理之外，还可以通过下述方式实现上述步骤S106的处理，具体可以包括下述相关内容。
在步骤S308中，如果基于第一终端是否能够输出交易标识码的判断结果指示第一终端能够输出上述交易标识码，则判断第二终端是否与第一终端处于相同的局域网中。
在实施中，如图4所示，如果上述判断结果指示第一终端能够输出上述交易标识码，则第一终端可以输出上述交易标识码(具体如显示图形码、输出声纹信息(可以是文本、图形或音频数据等)、输出面部特征的编码等)，第二终端可以通过交易标识码的解码和识别组件采集上述交易标识码，然后，判断第二终端是否与第一终端处于相同的局域网中，例如可以向网关获取当前的设备列表，确定其中是否包括第二终端的信息，如果是，则确定第二终端与第一终端处于相同的局域网中，否则，第二终端未与第一终端处于相同的局域网中。
在步骤S310中，如果是，则选取基于局域网的离线交易策略作为与上述判断结果相对应的离线交易策略。
在实施中，如图4所示，如果确定第二终端与第一终端处于相同的局域网中，则可以从存储离线交易策略的存储设备或区块链系统中选择基于局域网的离线交易策略，并可以将基于局域网的离线交易策略作为与该判断结果相对应的离线交易策略。
在步骤S312中，如果第二终端与第一终端处于不同的局域网中，则选取基于蓝牙的离线交易策略作为与上述判断结果相对应的离线交易策略。
在实施中，如图4所示，如果确定第二终端未与第一终端处于相同的局域网中，则可以选择通过蓝牙建立连接的方式进行本次离线交易，具体地，可以从存储离线交易策略的存储设备或区块链系统中选择基于蓝牙的离线交易策略，并可以将基于蓝牙的离线交易策略作为与该判断结果相对应的离线交易策略。
在步骤S314中，基于选取的离线交易策略对与第二终端之间的目标交易进行离线交易处理。
在实施中，如图4所示，如果选取的离线交易策略为基于进场通信NFC的离线交易策略，则交易发起方可以将第一终端靠近第二终端，通过第一终端中的NFC模块与第二终端建立通信连接，NFC模块中可以包括安全单元(Secure Element，SE)、非接触 性前端CLF(或称为NFC控制器)、射频天线(Antenna)等，通过NFC模块的上述部件，第一终端与第二终端之间可以建立通信连接、并可以进行安全的数据交互，最终完成离线交易。
如果选取的离线交易策略为基于蓝牙的离线交易策略，则交易发起方可以启动第一终端的蓝牙，此外，交易目标方也可以启动第二终端的蓝牙，然后，第一终端与第二终端之间可以建立蓝牙连接，通过第一终端中的蓝牙与第二终端中的蓝牙建立通信连接，基于建立的蓝牙通信连接，第一终端与第二终端之间可以进行数据交互，最终完成离线交易。
如果选取的离线交易策略为基于局域网的离线交易策略，则交易发起方的第一终端可以通过局域网的网关与第二终端建立通信连接，然后，第一终端可以将需要发送给第二终端的信息发送给该网关，该网关再将该信息转发给第二终端，同样的，第二终端可以将需要返回给给第一终端的信息发送给该网关，该网关再将该信息转发给第一终端，基于上述交互过程，最终第一终端与第二终端之间可以完成离线交易。
在步骤S316中，如果第一终端当前的网络连接状态为已连接且第二终端的网络连接状态为已连接，则第一终端与第二终端之间通过连接的网络对目标交易进行在线交易处理。
在实施中，如图4所示，如果第一终端当前的网络连接状态为已连接且第二终端的网络连接状态为已连接，则第一终端可以显示在线交易标识码(如在线图形码等)，第二终端可以通过交易标识码的解码和识别组件采集上述在线交易标识码，然后，可以解析在在线交易标识码，得到交易发起方的账户信息，并可以将该账户信息和目标交易的交易信息发送给服务器，服务器可以基于该账户信息和目标交易的交易信息进行资源转移处理(如进行转账或支付等)，资源转移处理成功后，服务器可以向第二终端和第一终端发送资源转移处理成功的通知消息等。
本说明书实施例提供一种离线交易的处理方法，交易发起方的第一终端，针对目标交易，获取第一终端当前的网络连接状态的信息，如果第一终端当前的网络连接状态为已连接，且确定目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，第一终端当前的网络连接状态为未连接，则判断第一终端是否能够输出用于触发对目标交易进行离线交易处理的交易标识码，然后，基于第一终端是否能够输出该交易标识码的判断结果，选取与该判断结果相对应的离线交易策略，并基于选取的离线交易策略对与第二终端之间的目标交易进行离线交易处理，这样，可以根据交易发起方的第一终端的网络连接状态、支付场景、支付环境自适应选择最适合当前情况的离线交易方式，从而 可以提高离线交易的效率和离线交易的成功率，并极大提高用户的交易体验。
此外，可以根据用户选择的交互方式(NFC、交易标识码(如二维码))进行后续的交易处理，并且可以自动检测当前所处网络环境(局域网、蓝牙)选择适合的组网方式进行通信连接，进一步提高了交易成功率及交易效率。
实施例三以上为本说明书实施例提供的离线交易的处理方法，基于同样的思路，本说明书实施例还提供一种离线交易的处理装置，如图5所示。
该离线交易的处理装置包括：网络状态获取模块501、判断模块502和离线交易模块503，其中：网络状态获取模块501，针对目标交易，获取所述装置当前的网络连接状态的信息；判断模块502，如果所述装置当前的网络连接状态为已连接，且确定所述目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，所述装置当前的网络连接状态为未连接，则判断所述装置是否能够输出用于触发对所述目标交易进行离线交易处理的交易标识码；离线交易模块503，基于所述装置是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，并基于选取的离线交易策略对与所述第二终端之间的所述目标交易进行离线交易处理。
本说明书实施例中，所述交易标识码包括图形码、所述装置的用户的生物特征的编码。
本说明书实施例中，所述离线交易策略包括基于进场通信NFC的离线交易策略、基于蓝牙的离线交易策略和基于局域网的离线交易策略中的一种或多种。
本说明书实施例中，所述离线交易模块503，如果所述判断结果指示所述装置不能够输出所述交易标识码，则选取所述基于进场通信NFC的离线交易策略作为与所述判断结果相对应的离线交易策略。
本说明书实施例中，所述离线交易模块503，如果所述判断结果指示所述装置处于关机状态，则选取所述基于进场通信NFC的离线交易策略作为与所述判断结果相对应的离线交易策略。
本说明书实施例中，所述离线交易模块503，包括：判断单元，如果所述判断结果指示所述装置能够输出所述交易标识码，则判断所述第二终端是否与所述装置处于相同的局域网中；交易策略确定单元，如果是，则选取所述基于局域网的离线交易策略作为与所述判断结果相对应的离线交易策略。
本说明书实施例中，所述装置还包括：交易策略确定模块，如果所述第二终端与所述装置处于不同的局域网中，则选取所述基于蓝牙的离线交易策略作为与所述判断结果相对应的离线交易策略。
本说明书实施例中，所述装置还包括：在线交易模块，如果所述装置当前的网络连接状态为已连接且所述第二终端的网络连接状态为已连接，则所述装置与所述第二终端之间通过连接的网络对所述目标交易进行在线交易处理。
本说明书实施例提供一种离线交易的处理装置，针对目标交易，获取离线交易的处理装置当前的网络连接状态的信息，如果离线交易的处理装置当前的网络连接状态为已连接，且确定目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，离线交易的处理装置当前的网络连接状态为未连接，则判断离线交易的处理装置是否能够输出用于触发对目标交易进行离线交易处理的交易标识码，然后，基于离线交易的处理装置是否能够输出该交易标识码的判断结果，选取与该判断结果相对应的离线交易策略，并基于选取的离线交易策略对与第二终端之间的目标交易进行离线交易处理，这样，可以根据交易发起方的离线交易的处理装置的网络连接状态、支付场景、支付环境自适应选择最适合当前情况的离线交易方式，从而可以提高离线交易的效率和离线交易的成功率，并极大提高用户的交易体验。
此外，可以根据用户选择的交互方式(NFC、交易标识码(如二维码))进行后续的交易处理，并且可以自动检测当前所处网络环境(局域网、蓝牙)选择适合的组网方式进行通信连接，进一步提高了交易成功率及交易效率。
实施例四以上为本说明书实施例提供的离线交易的处理装置，基于同样的思路，本说明书实施例还提供一种离线交易的处理设备，如图6所示。
所述离线交易的处理设备可以为上述实施例提供的第一终端。
离线交易的处理设备可因配置或性能不同而产生比较大的差异，可以包括一个或一个以上的处理器601和存储器602，存储器602中可以存储有一个或一个以上存储应用程序或数据。其中，存储器602可以是短暂存储或持久存储。存储在存储器602的应用程序可以包括一个或一个以上模块(图示未示出)，每个模块可以包括对离线交易的处理设备中的一系列计算机可执行指令。更进一步地，处理器601可以设置为与存储器602通信，在离线交易的处理设备上执行存储器602中的一系列计算机可执行指令。离线交易的处理设备还可以包括一个或一个以上电源603，一个或一个以上有线或无线网络接口604，一个或一个以上输入输出接口605，一个或一个以上键盘606。
具体在本实施例中，离线交易的处理设备包括有存储器，以及一个或一个以上的程序，其中一个或者一个以上程序存储于存储器中，且一个或者一个以上程序可以包括一个或一个以上模块，且每个模块可以包括对离线交易的处理设备中的一系列计算机可执行指令，且经配置以由一个或者一个以上处理器执行该一个或者一个以上程序包含用于 进行以下计算机可执行指令：针对目标交易，获取所述离线交易的处理设备当前的网络连接状态的信息；如果所述离线交易的处理设备当前的网络连接状态为已连接，且确定所述目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，所述离线交易的处理设备当前的网络连接状态为未连接，则判断所述离线交易的处理设备是否能够输出用于触发对所述目标交易进行离线交易处理的交易标识码；基于所述离线交易的处理设备是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，并基于选取的离线交易策略对与所述第二终端之间的所述目标交易进行离线交易处理。
本说明书实施例中，所述交易标识码包括图形码、所述离线交易的处理设备的用户的生物特征的编码。
本说明书实施例中，所述离线交易策略包括基于进场通信NFC的离线交易策略、基于蓝牙的离线交易策略和基于局域网的离线交易策略中的一种或多种。
本说明书实施例中，所述基于所述离线交易的处理设备是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，包括：如果所述判断结果指示所述离线交易的处理设备不能够输出所述交易标识码，则选取所述基于进场通信NFC的离线交易策略作为与所述判断结果相对应的离线交易策略。
本说明书实施例中，所述如果所述判断结果指示所述离线交易的处理设备不能够输出所述交易标识码，则选取所述基于进场通信NFC的离线交易策略作为与所述判断结果相对应的离线交易策略，包括：如果所述判断结果指示所述离线交易的处理设备处于关机状态，则选取所述基于进场通信NFC的离线交易策略作为与所述判断结果相对应的离线交易策略。
本说明书实施例中，所述基于所述离线交易的处理设备是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，包括：如果所述判断结果指示所述离线交易的处理设备能够输出所述交易标识码，则判断所述第二终端是否与所述离线交易的处理设备处于相同的局域网中；如果是，则选取所述基于局域网的离线交易策略作为与所述判断结果相对应的离线交易策略。
本说明书实施例中，还包括：如果所述第二终端与所述离线交易的处理设备处于不同的局域网中，则选取所述基于蓝牙的离线交易策略作为与所述判断结果相对应的离线交易策略。
本说明书实施例中，还包括：如果所述离线交易的处理设备当前的网络连接状态为已连接且所述第二终端的网络连接状态为已连接，则所述离线交易的处理设备与所述第 二终端之间通过连接的网络对所述目标交易进行在线交易处理。
本说明书实施例提供一种离线交易的处理设备，针对目标交易，获取离线交易的处理设备当前的网络连接状态的信息，如果离线交易的处理设备当前的网络连接状态为已连接，且确定目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，离线交易的处理设备当前的网络连接状态为未连接，则判断离线交易的处理设备是否能够输出用于触发对目标交易进行离线交易处理的交易标识码，然后，基于离线交易的处理设备是否能够输出该交易标识码的判断结果，选取与该判断结果相对应的离线交易策略，并基于选取的离线交易策略对与第二终端之间的目标交易进行离线交易处理，这样，可以根据交易发起方的离线交易的处理设备的网络连接状态、支付场景、支付环境自适应选择最适合当前情况的离线交易方式，从而可以提高离线交易的效率和离线交易的成功率，并极大提高用户的交易体验。
此外，可以根据用户选择的交互方式(NFC、交易标识码(如二维码))进行后续的交易处理，并且可以自动检测当前所处网络环境(局域网、蓝牙)选择适合的组网方式进行通信连接，进一步提高了交易成功率及交易效率。
实施例五进一步地，基于上述图1到图4所示的方法，本说明书一个或多个实施例还提供了一种存储介质，用于存储计算机可执行指令信息，一种具体的实施例中，该存储介质可以为U盘、光盘、硬盘等，该存储介质存储的计算机可执行指令信息在被处理器执行时，能实现以下流程：针对目标交易，获取所述第一终端当前的网络连接状态的信息；
如果所述第一终端当前的网络连接状态为已连接，且确定所述目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，所述第一终端当前的网络连接状态为未连接，则判断所述第一终端是否能够输出用于触发对所述目标交易进行离线交易处理的交易标识码；基于所述第一终端是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，并基于选取的离线交易策略对与所述第二终端之间的所述目标交易进行离线交易处理。
本说明书实施例中，所述交易标识码包括图形码、所述第一终端的用户的生物特征的编码。
本说明书实施例中，所述离线交易策略包括基于进场通信NFC的离线交易策略、基于蓝牙的离线交易策略和基于局域网的离线交易策略中的一种或多种。
本说明书实施例中，所述基于所述第一终端是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，包括：如果所述判断结果指示所述第 一终端不能够输出所述交易标识码，则选取所述基于进场通信NFC的离线交易策略作为与所述判断结果相对应的离线交易策略。
本说明书实施例中，所述如果所述判断结果指示所述第一终端不能够输出所述交易标识码，则选取所述基于进场通信NFC的离线交易策略作为与所述判断结果相对应的离线交易策略，包括：如果所述判断结果指示所述第一终端处于关机状态，则选取所述基于进场通信NFC的离线交易策略作为与所述判断结果相对应的离线交易策略。
本说明书实施例中，所述基于所述第一终端是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，包括：如果所述判断结果指示所述第一终端能够输出所述交易标识码，则判断所述第二终端是否与所述第一终端处于相同的局域网中；如果是，则选取所述基于局域网的离线交易策略作为与所述判断结果相对应的离线交易策略。
本说明书实施例中，还包括：如果所述第二终端与所述第一终端处于不同的局域网中，则选取所述基于蓝牙的离线交易策略作为与所述判断结果相对应的离线交易策略。
本说明书实施例中，还包括：如果所述第一终端当前的网络连接状态为已连接且所述第二终端的网络连接状态为已连接，则所述第一终端与所述第二终端之间通过连接的网络对所述目标交易进行在线交易处理。
本说明书实施例提供一种存储介质，针对目标交易，获取第一终端当前的网络连接状态的信息，如果第一终端当前的网络连接状态为已连接，且确定目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，第一终端当前的网络连接状态为未连接，则判断第一终端是否能够输出用于触发对目标交易进行离线交易处理的交易标识码，然后，基于第一终端是否能够输出该交易标识码的判断结果，选取与该判断结果相对应的离线交易策略，并基于选取的离线交易策略对与第二终端之间的目标交易进行离线交易处理，这样，可以根据交易发起方的第一终端的网络连接状态、支付场景、支付环境自适应选择最适合当前情况的离线交易方式，从而可以提高离线交易的效率和离线交易的成功率，并极大提高用户的交易体验。
此外，可以根据用户选择的交互方式(NFC、交易标识码(如二维码))进行后续的交易处理，并且可以自动检测当前所处网络环境(局域网、蓝牙)选择适合的组网方式进行通信连接，进一步提高了交易成功率及交易效率。
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(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，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单元分别描述。当然，在实施本说明书一个或多个实施例时可以把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，本说明书一个或多个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，本说明书一个或多个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。
本说明书的实施例是参照根据本说明书实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程欺诈案例的串并设备的处理器以产生一个机器，使得通过计算机或其他可编程欺诈案例的串并设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
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欺诈案例的串并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欺诈案例的串并设备上，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，本说明书一个或多个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，本说明书一个或多个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。
本说明书一个或多个实施例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说明书一个或多个实施例，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。
以上所述仅为本说明书的实施例而已，并不用于限制本说明书。对于本领域技术人员来说，本说明书可以有各种更改和变化。凡在本说明书的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本说明书的权利要求范围之内。

Claims (11)

  1. 一种离线交易的处理方法，应用于交易发起方的第一终端，所述方法包括：
    针对目标交易，获取所述第一终端当前的网络连接状态的信息；
    如果所述第一终端当前的网络连接状态为已连接，且确定所述目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，所述第一终端当前的网络连接状态为未连接，则判断所述第一终端是否能够输出用于触发对所述目标交易进行离线交易处理的交易标识码；
    基于所述第一终端是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，并基于选取的离线交易策略对与所述第二终端之间的所述目标交易进行离线交易处理。
  2. 根据权利要求1所述的方法，所述交易标识码包括图形码、所述第一终端的用户的生物特征的编码。
  3. 根据权利要求1或2所述的方法，所述离线交易策略包括基于进场通信NFC的离线交易策略、基于蓝牙的离线交易策略和基于局域网的离线交易策略中的一种或多种。
  4. 根据权利要求3所述的方法，所述基于所述第一终端是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，包括：
    如果所述判断结果指示所述第一终端不能够输出所述交易标识码，则选取所述基于进场通信NFC的离线交易策略作为与所述判断结果相对应的离线交易策略。
  5. 根据权利要求4所述的方法，所述如果所述判断结果指示所述第一终端不能够输出所述交易标识码，则选取所述基于进场通信NFC的离线交易策略作为与所述判断结果相对应的离线交易策略，包括：
    如果所述判断结果指示所述第一终端处于关机状态，则选取所述基于进场通信NFC的离线交易策略作为与所述判断结果相对应的离线交易策略。
  6. 根据权利要求3所述的方法，所述基于所述第一终端是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，包括：
    如果所述判断结果指示所述第一终端能够输出所述交易标识码，则判断所述第二终端是否与所述第一终端处于相同的局域网中；
    如果是，则选取所述基于局域网的离线交易策略作为与所述判断结果相对应的离线交易策略。
  7. 根据权利要求6所述的方法，所述方法还包括：
    如果所述第二终端与所述第一终端处于不同的局域网中，则选取所述基于蓝牙的离线交易策略作为与所述判断结果相对应的离线交易策略。
  8. 根据权利要求1所述的方法，所述方法还包括：
    如果所述第一终端当前的网络连接状态为已连接且所述第二终端的网络连接状态为已连接，则所述第一终端与所述第二终端之间通过连接的网络对所述目标交易进行在 线交易处理。
  9. 一种离线交易的处理装置，所述装置包括：
    网络状态获取模块，针对目标交易，获取所述装置当前的网络连接状态的信息；
    判断模块，如果所述装置当前的网络连接状态为已连接，且确定所述目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，所述装置当前的网络连接状态为未连接，则判断所述装置是否能够输出用于触发对所述目标交易进行离线交易处理的交易标识码；
    离线交易模块，基于所述装置是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，并基于选取的离线交易策略对与所述第二终端之间的所述目标交易进行离线交易处理。
  10. 一种离线交易的处理设备，所述离线交易的处理设备包括：
    处理器；以及
    被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器：
    针对目标交易，获取所述离线交易的处理设备当前的网络连接状态的信息；
    如果所述离线交易的处理设备当前的网络连接状态为已连接，且确定所述目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，所述离线交易的处理设备当前的网络连接状态为未连接，则判断所述离线交易的处理设备是否能够输出用于触发对所述目标交易进行离线交易处理的交易标识码；
    基于所述离线交易的处理设备是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，并基于选取的离线交易策略对与所述第二终端之间的所述目标交易进行离线交易处理。
  11. 一种存储介质，所述存储介质用于存储计算机可执行指令，所述可执行指令在被处理器执行时实现以下流程：
    针对目标交易，获取第一终端当前的网络连接状态的信息；
    如果所述第一终端当前的网络连接状态为已连接，且确定所述目标交易的交易目标方的第二终端的网络连接状态为未连接，或者，所述第一终端当前的网络连接状态为未连接，则判断所述第一终端是否能够输出用于触发对所述目标交易进行离线交易处理的交易标识码；
    基于所述第一终端是否能够输出所述交易标识码的判断结果，选取与所述判断结果相对应的离线交易策略，并基于选取的离线交易策略对与所述第二终端之间的所述目标交易进行离线交易处理。
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