CN108805558A - A kind of offline electronic payment method and offline electronic payment system - Google Patents
A kind of offline electronic payment method and offline electronic payment system Download PDFInfo
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- CN108805558A CN108805558A CN201810612910.3A CN201810612910A CN108805558A CN 108805558 A CN108805558 A CN 108805558A CN 201810612910 A CN201810612910 A CN 201810612910A CN 108805558 A CN108805558 A CN 108805558A
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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
- G06Q20/30—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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/602—Providing cryptographic facilities or services
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/606—Protecting data by securing the transmission between two devices or processes
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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
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Abstract
The present invention provides a kind of offline electronic payment method and offline electronic payment systems.The offline electronic payment method includes the following steps：Payer terminal judges whether current network state can complete payment process, if it is not, then starting offline electronic payment state；One-to-one communication link is established between the payer terminal and beneficiary terminal；The payer terminal sends payment request information and verification code information by the communication link, to the beneficiary terminal；Verification code information is verified described in the beneficiary terminal-pair, and completes transaction based on the payment request information after being verified.The present invention also provides a kind of offline electronic payment systems using the offline electronic payment method.
Description
Technical field
The present invention relates to payment technology fields, more particularly to a kind of offline electronic payment method and offline electronic payment system.
Background technology
Currently, mobile payment scheme on the market mostly uses greatly online mode, terminal device is needed to connect network, transfer accounts or
Transaction voucher is generated by third-party platform (Alipay etc.) after payment, is finally completed transaction.Alipay sound wave payment belong to from
One kind of line payment, but need and support the automatic vending machine of sound wave payment that could realize that transaction, this automatic vending machine are also
Connect network；Since current major payment platform is that line server safeguards user data, so being needed after completing payment
When beneficiary facilitates linked network, is activated by linked network and complete payment.
Moreover, can only on-line payment mode the shortcomings that it is clear that when user is under the poor environment of Network status (such as
Subway, remote mountain areas etc.), payment by the transfer of accounts is cannot achieve, and the payment of the sound wave of Alipay can only specifically support sound wave payment
It is used in the equipment of parallel-connection network.
Therefore, how to realize mobile payment need not connection network, so that user is in Network status poor or without network environment
Under can also realize terminal-pair terminal secure off-line payment, become technical problem urgently to be resolved hurrily.
Invention content
The purpose of the present invention is to provide a kind of offline electronic payment method and offline electronic payment systems.
Technical scheme is as follows：A kind of offline electronic payment method includes the following steps：Payer terminal judges current
Whether network state can complete payment process, if it is not, then starting offline electronic payment state；The payer terminal and beneficiary
One-to-one communication link is established between terminal；The payer terminal is by the communication link, to the beneficiary terminal
Send payment request information and verification code information；Verification code information is verified described in the beneficiary terminal-pair, and is being verified
Transaction is completed based on the payment request information by rear.
Preferably, the communication link is communicatively coupled by bluetooth.
Preferably, the verification code information includes plain code information and private mark information；It randomly chooses in the plain code information
The private mark information is formed after specified bytes and encryption.
Preferably, verification code information described in the beneficiary terminal-pair is verified, and based on described after being verified
Payment information complete payment the step of include：It is synchronous to receive the plain code information and private mark information；The private mark information is carried out
Decoding obtains decoded information；The decoded information and the plain code information are compared, judge whether the two matches；If
It is then to be based on the payment request information and complete gathering；If it is not, then terminating transaction.
Preferably, the payer terminal receives and stores the verification code information in setting time point；When the payment
After square terminal receives new verification code information, a upper verification code information for storage fails.
A kind of offline electronic payment system according to offline electronic payment method described above, which is characterized in that including：Payer is whole
One-to-one communication link is established between end and beneficiary terminal, with payer terminal；Wherein, the payer terminal judges
Whether current network state can complete payment process, if it is not, then starting offline electronic payment state；In off-line payment process
In, the payer terminal sends payment request information to the beneficiary terminal by the communication link and identifying code is believed
Breath；Verification code information is verified described in the beneficiary terminal-pair, and the payment request information is based on after being verified
Complete gathering.
Preferably, further include：Background server, the background server include identifying code generation unit, the identifying code
Generation unit be used for generate include plain code information and private mark information verification code information；Wherein, the verification of the background server
Code generation unit generates plain code information in setting time point, and randomly chooses shape after the specified bytes encryption in the plain code information
At the private mark information, the plain code information and the private mark synchronizing information are finally passed into payer terminal and stored.
Preferably, the payer terminal receives and stores the verification code information in setting time point；When the payment
After square terminal receives new verification code information, a upper verification code information for storage fails.
Preferably, the beneficiary terminal includes：Identifying code receiving unit, it is synchronous to receive the plain code information and private mark letter
Breath；Private mark decoding unit is decoded the private mark information, obtains decoded information；And information comparison unit, by the decoding
Information carries out matching comparison with the plain code information.
A kind of offline electronic payment method includes the following steps：Payer terminal judges whether current network state can be completed to prop up
The process of paying, if it is not, then starting offline electronic payment state；It is established between the payer terminal and beneficiary terminal one-to-one logical
Believe link；The beneficiary terminal sends gathering request, the payer by the communication link to the payer terminal
After terminal receives and agrees to the gathering request, the payer terminal sends verification code information to the beneficiary terminal；Institute
It states verification code information described in beneficiary terminal-pair to be verified, if the verification passes, then completes to merchandise；If verification does not pass through,
Then terminate transaction.
Preferably, the verification code information includes plain code information and private mark information；It randomly chooses in the plain code information
The private mark information is formed after specified bytes and encryption.
Preferably, the step of verification code information described in the beneficiary terminal-pair is verified include：The beneficiary is whole
End is synchronous to receive the plain code information and private mark information；Private mark information is decoded described in the beneficiary terminal-pair, obtains solution
Beneficiary terminal compares the decoded information and the plain code information described in code information, judges whether the two matches；Such as
Fruit is then to complete；If it is not, then terminating transaction.
A kind of offline electronic payment system according to offline electronic payment method described above includes：Payer terminal and beneficiary are whole
End, establishes one-to-one communication link between payer terminal；Wherein, the payer terminal judges that current network state is
It is no to complete payment process, if it is not, then starting offline electronic payment state；In off-line payment process, the beneficiary
Terminal sends gathering request by the communication link to the payer terminal, and the payer terminal receives and agrees to described
After gathering request, the payer terminal sends verification code information to the beneficiary terminal；Described in the beneficiary terminal-pair
Verification code information is verified, and if the verification passes, then completes to merchandise；If verification does not pass through, transaction is terminated.
Preferably, further include：Background server, the background server include identifying code generation unit, the identifying code
Generation unit be used for generate include plain code information and private mark information verification code information；Wherein, the verification of the background server
Code generation unit generates plain code information in setting time point, and randomly chooses shape after the specified bytes encryption in the plain code information
At the private mark information, the plain code information and the private mark synchronizing information are finally passed into payer terminal and stored.
The beneficial effects of the present invention are：
The offline electronic payment method and offline electronic payment system can realize off-network payment function under no network condition；
Moreover, user information is encrypted using bluetooth between payer terminal and beneficiary terminal, transmission is stablized, and is added
Close property is strong, and bluetooth connection transmission speed is fast in addition, completes payment and is exceedingly fast, and avoids payment congestion.
Description of the drawings
Fig. 1 is the structure diagram for the offline electronic payment system that the embodiment of the present invention one provides；
Fig. 2 is the structure diagram of offline electronic payment system provided by Embodiment 2 of the present invention.
Specific implementation mode
In order to make the purpose , technical scheme and advantage of the present invention be clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
The description of specific distinct unless the context otherwise, the present invention in element and component, the shape that quantity both can be single
Formula exists, and form that can also be multiple exists, and the present invention is defined not to this.It is appreciated that art used herein
Language "and/or" one of is related to and covers associated Listed Items or one or more of any and all possible combinations.
Embodiment one
Referring to Fig. 1, offline electronic payment system provided by the invention includes payer terminal 10, background server 20 and gathering
Square terminal 30.
Wherein, the payer terminal 10 is the mobile terminal of payer, such as：Mobile phone, tablet computer, Intelligent bracelet,
The electronic product that smartwatch etc. can be paid；The beneficiary terminal 30 is the cash receiving terminal of beneficiary, such as POS
Machine, cash register, payee's mobile terminal etc. can carry out the electronic product of cash register；The background server 20 is payment mechanism
Server, for example, the background server 20 of bank, mobile payment platform background server 20.It should be noted that after described
Platform server 20 refers to the server handled for realizing Transaction Information.
In the present embodiment, the payer terminal 10 includes networking pay status and offline electronic payment state, the payment
Whether square terminal 10 can complete payment process according to the network state being presently in and select to carry out networking payment or offline branch
It pays.
Under the networking pay status, the payer terminal 10 is logical by network wireless with the background server 20
Letter connection, the payer terminal 10 sends transaction request by Quick Response Code to the beneficiary terminal 30, when payer terminal
After the completion of merchandising between 10 and beneficiary terminal 30, the background server 20 is according to the payer terminal 10 and the gathering
The Transaction Information that square terminal 30 is sent, updates 30 counterpart expenditure account of the payer terminal 10 and the beneficiary terminal in real time
Indoor bill information, to complete transaction payment operation；
It, can not be into line number between the payer terminal 10 and the background server 20 under the offline electronic payment state
According to communication, one-to-one communication link is established between the payer terminal 10 and the beneficiary terminal 30 foundation, it is wireless to send out
Transaction request is sent, after the completion of merchandising between payer terminal 10 and beneficiary terminal 30, the background server 20 is according to institute
The Transaction Information for stating the transmission of beneficiary terminal 30, updates the payer terminal 10 in real time and the beneficiary terminal 30 corresponds to
Bill information in account, to complete transaction payment operation；Moreover, being changed into from no network state in the payer terminal 10
After having network state, updated bill information is sent to the payer terminal 10 by the background server 20.
Preferably, the payer terminal 10 and the beneficiary terminal 30 by bluetooth establish between establish it is one-to-one
Communication link.It is selectable, the payer terminal 10 and the beneficiary terminal 30 be also based on wifi network or
The wireless modes such as zigbee realize the foundation of One-to-one communication link.
It should be noted that the Transaction Information includes but not limited to beneficiary account information, payer account information, branch
Pay the amount of money and payment arrangement etc.；Moreover, the bill information includes but not limited to account balance information, account variation amount of money letter
Breath, transaction number information etc..
In the present embodiment, the verification code information includes plain code information and private mark information, and random selection is stated clearly
The private mark information is formed after specified bytes and encryption in code information.For example, the plain code information includes but not limited to：Bank
Card number, cell-phone number, IMEI, IMSI, user reserve verification information etc..Selectively, the cipher mode that the private mark information generates
The cipher modes such as including but not limited to MD5 or AES.
The background server 20 includes Transaction Information processing unit 21, identifying code generation unit 22, the Transaction Information
Processing unit 21 is used to receive the Transaction Information that the payer terminal 10 and the beneficiary terminal 30 are sent, and according to described
Transaction Information is updated the bill information in the corresponding account of the two, and updated bill information is fed back to respectively
The payer terminal 10 and the beneficiary terminal 30；
The identifying code generation unit 22 is used to generate plain code information in setting time point, and randomly chooses the plain code letter
Specified bytes in breath, and the private mark information is formed after encrypting, finally by the plain code information and the private mark synchronizing information
It is fed back to the payer terminal 10.
For example, after the payer terminal 10 completes a single transaction payment each time, the verification of the background server 20
After code generation unit 22 just generates new verification code information, and the payer terminal 10 receives new verification code information, deposit
The upper verification code information failure of storage；
In another example the identifying code generation unit 22 of the background server 20, which is spaced setting time, generates new identifying code letter
Breath, and after the payer terminal 10 receives new verification code information, a upper verification code information for storage fails.
The beneficiary terminal 30 includes identifying code receiving unit 31, private mark decoding unit 32 and information comparison unit 33.
Wherein, the identifying code receiving unit 31 synchronizes the reception plain code information and private mark information, the private mark decoding unit 32 are right
The private mark information is decoded, and obtains decoded information, and described information comparison unit 33 is by the decoded information and the plain code
Information carries out matching comparison；
Moreover, being compared successfully if the decoded information is matched with the plain code information, the beneficiary terminal 30 is sent out
The Transaction Information processing unit 21 for sending Transaction Information to the background server 20 is traded processing.
The process that offline electronic payment is carried out using the offline electronic payment system is as follows：
The selection of payer terminal 10 starts offline electronic payment state, and is established by bluetooth and the beneficiary terminal 30
Between establish one-to-one communication link；
The payer terminal 10 by the communication link, to the beneficiary terminal 30 send payment request information and
Verification code information；
The beneficiary terminal 30, which synchronizes, receives the plain code information and private mark information, and is solved to the private mark information
Code obtains decoded information, in addition, the beneficiary terminal 30 also compares the decoded information and the plain code information,
Judge whether the two matches；If it is, completing gathering based on the payment request information；
Transaction Information is sent to the back-end server by the beneficiary terminal 30, and the back-end server is according to
The Transaction Information that beneficiary terminal 30 is sent, updates the payer terminal 10 in real time and the beneficiary terminal 30 corresponds to account
Indoor bill information, to complete transaction payment operation；
Moreover, after the payer terminal 10 is changed into from no network state and to have network state, the background server
Updated bill information is sent to the payer terminal 10 by 20, and correspondingly branch is paid a bill for the update of payer terminal 10
Number information.
A kind of offline electronic payment method based on offline electronic payment system shown in Fig. 1, includes the following steps：
1, payer terminal 10 judges whether current network state can complete payment process, if it is not, then starting offline
Pay status；
2, one-to-one communication link is established between the payer terminal 10 and beneficiary terminal 30；
3, the payer terminal 10 sends payment request information by the communication link to the beneficiary terminal 30
And verification code information；
4, the beneficiary terminal 30 verifies the verification code information, and the payment is based on after being verified
Solicited message completes transaction；
5, the beneficiary terminal 30 reports Transaction Information to back-end server, and the back-end server is according to the gathering
The Transaction Information that square terminal 30 is sent, updates in real time in the payer terminal 10 and 30 corresponding account of beneficiary terminal
Bill information, with complete transaction payment operation；
6, it is changed into from no network state in the payer terminal 10 after having network state, the background server 20 will
Updated bill information is sent to the payer terminal 10, and correspondingly payment accounts are believed for the update of payer terminal 10
Breath.
Include the following steps in step 4：
The beneficiary terminal 30, which synchronizes, receives the plain code information and private mark information；
The beneficiary terminal 30 is decoded the private mark information, obtains decoded information；
The beneficiary terminal 30 compares the decoded information and the plain code information, both judge whether
Match；
If it is, the beneficiary terminal 30, which is based on the payment request information, completes gathering；
If it is not, then terminating transaction.
It should be noted that further including following content in step 6：
The identifying code generation unit 22 of the background server 20 generates new verification code information, and feeds back to the payment
Square terminal 10,
The background server 20 by updated bill information and new verification code information synchronize be sent to the payment
Square terminal 10, the payer terminal 10 update correspondingly payment accounts information and verification code information.
It should be appreciated that after the payer terminal 10 receives new verification code information, a upper verification code information for storage
Failure.
Embodiment two
As shown in Fig. 2, the offline electronic payment system of the offer of embodiment two and the offline electronic payment system that embodiment one provides are basic
Identical, main difference is：
In off-line payment process, the beneficiary terminal 230 is whole to the payer by the communication link
End 210 sends gathering request, after the payer terminal 210 receives and agrees to the gathering request, the beneficiary terminal 230
Verification code information is sent to the beneficiary terminal 210；The beneficiary terminal 230 verifies the verification code information,
If the verification passes, then it completes to merchandise；If verification does not pass through, transaction is terminated.
A kind of method of payment based on offline electronic payment system shown in Fig. 2, includes the following steps：
1, payer terminal 210 judges whether current network state can complete payment process, if it is not, then starting offline
Pay status；
2, one-to-one communication link is established between the payer terminal 210 and beneficiary terminal 230；
3, the beneficiary terminal 230 sends gathering request, institute by the communication link to the payer terminal 210
It states after payer terminal 210 receives and agree to that the gathering is asked, the payer terminal 210 is to the beneficiary terminal 230
Send verification code information；
4, the beneficiary terminal 230 verifies the verification code information, if the verification passes, then completes to merchandise；
If verification does not pass through, transaction is terminated；
5, the beneficiary terminal 230 reports Transaction Information to back-end server 220,220 basis of the back-end server
The Transaction Information that the beneficiary terminal 230 is sent, updates the payer terminal 210 and the beneficiary terminal in real time
Bill information in 230 corresponding accounts, to complete transaction payment operation；
6, it is changed into from no network state in the payer terminal 210 after having network state, the background server 220
Updated bill information is sent to the payer terminal 210, correspondingly branch is paid a bill for the update of payer terminal 210
Number information.
Moreover, the verification code information includes plain code information and private mark information.Randomly choose the finger in the plain code information
Determine byte and forms the private mark information after encrypting.
Further, the step of beneficiary terminal 230 verifies the verification code information include：
The beneficiary terminal 230, which synchronizes, receives the plain code information and private mark information；
The beneficiary terminal 230 is decoded the private mark information, obtains decoded information；
The beneficiary terminal 230 compares the decoded information and the plain code information, both judge whether
Match；
If it is, completing；
If it is not, then terminating transaction.
It is obvious to a person skilled in the art that invention is not limited to the details of the above exemplary embodiments, Er Qie
In the case of without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.Therefore, no matter
From the point of view of which point, the present embodiments are to be considered as illustrative and not restrictive, and the scope of the present invention is by appended power
Profit requires rather than above description limits, it is intended that all by what is fallen within the meaning and scope of the equivalent requirements of the claims
Variation is included within the present invention.Any reference signs in the claims should not be construed as limiting the involved claims.
In addition, it should be understood that although this specification is described in terms of embodiments, but not each embodiment is only wrapped
Containing an independent technical solution, this description of the specification is merely for the sake of clarity, and those skilled in the art should
It considers the specification as a whole, the technical solutions in the various embodiments may also be suitably combined, forms those skilled in the art
The other embodiment being appreciated that.
Claims (14)
1. a kind of offline electronic payment method, which is characterized in that include the following steps：
Payer terminal judges whether current network state can complete payment process, if it is not, then starting offline electronic payment state；
One-to-one communication link is established between the payer terminal and beneficiary terminal；
The payer terminal sends payment request information and identifying code letter by the communication link, to the beneficiary terminal
Breath；
Verification code information is verified described in the beneficiary terminal-pair, and the payment request information is based on after being verified
Complete transaction.
2. offline electronic payment method according to claim 1, which is characterized in that the communication link is led to by bluetooth
Letter connection.
3. offline electronic payment method according to claim 1, which is characterized in that the verification code information include plain code information and
Private mark information；
The private mark information is formed after randomly choosing specified bytes and encryption in the plain code information.
4. offline electronic payment method according to claim 3, which is characterized in that identifying code described in the beneficiary terminal-pair is believed
Breath is verified, and includes being based on the step of payment information completes payment after being verified：
It is synchronous to receive the plain code information and private mark information；
The private mark information is decoded, decoded information is obtained；
The decoded information and the plain code information are compared, judge whether the two matches；
If it is, completing gathering based on the payment request information；
If it is not, then terminating transaction.
5. offline electronic payment method according to claim 3, it is characterised in that：The payer terminal connects in setting time point
It receives and stores the verification code information；
After the payer terminal receives new verification code information, a upper verification code information for storage fails.
6. a kind of offline electronic payment system of the method for offline electronic payment according to claim 1, which is characterized in that including：
Payer terminal, and
One-to-one communication link is established between beneficiary terminal, with payer terminal；
Wherein, the payer terminal judges whether current network state can complete payment process, if it is not, then starting offline
Pay status；
In off-line payment process, the payer terminal sends branch by the communication link to the beneficiary terminal
Pay solicited message and verification code information；Verification code information is verified described in the beneficiary terminal-pair, and after being verified
It completes to collect money based on the payment request information.
7. offline electronic payment system according to claim 6, it is characterised in that：Further include：
Background server comprising identifying code generation unit, the identifying code generation unit for generate include plain code information with
The verification code information of private mark information；
Wherein, the identifying code generation unit of the background server generates plain code information in setting time point, and randomly chooses institute
The private mark information is formed after stating the encryption of the specified bytes in plain code information, finally by the plain code information and the private mark information
It synchronizes and passes to payer terminal and store.
8. offline electronic payment system according to claim 7, it is characterised in that：The payer terminal connects in setting time point
It receives and stores the verification code information；
After the payer terminal receives new verification code information, a upper verification code information for storage fails.
9. offline electronic payment system according to claim 7, it is characterised in that：The beneficiary terminal includes：
Identifying code receiving unit, it is synchronous to receive the plain code information and private mark information；
Private mark decoding unit is decoded the private mark information, obtains decoded information；And
The decoded information and the plain code information are carried out matching comparison by information comparison unit.
10. a kind of offline electronic payment method, which is characterized in that include the following steps：
Payer terminal judges whether current network state can complete payment process, if it is not, then starting offline electronic payment state；
One-to-one communication link is established between the payer terminal and beneficiary terminal；
The beneficiary terminal sends gathering request, the payer terminal by the communication link to the payer terminal
After receiving and agreeing to the gathering request, the payer terminal sends verification code information to the beneficiary terminal；
Verification code information is verified described in the beneficiary terminal-pair, if the verification passes, then completes to merchandise；If verification is not
Pass through, then terminates transaction.
11. offline electronic payment method according to claim 10, which is characterized in that the verification code information includes plain code information
With private mark information；
The private mark information is formed after randomly choosing specified bytes and encryption in the plain code information.
12. offline electronic payment method according to claim 10, which is characterized in that identifying code described in the beneficiary terminal-pair
The step of information is verified include：
The beneficiary terminal, which synchronizes, receives the plain code information and private mark information；
Private mark information is decoded described in the beneficiary terminal-pair, obtains decoded information；
The beneficiary terminal compares the decoded information and the plain code information, judges whether the two matches；
If it is, completing；
If it is not, then terminating transaction.
13. a kind of offline electronic payment system of the method for offline electronic payment according to claim 10, which is characterized in that including：
Payer terminal, and
One-to-one communication link is established between beneficiary terminal, with payer terminal；
Wherein, the payer terminal judges whether current network state can complete payment process, if it is not, then starting offline
Pay status；
In off-line payment process, the beneficiary terminal is sent to the payer terminal by the communication link and is received
Money is asked, and after the payer terminal receives and agrees to that the gathering is asked, the payer terminal is to the beneficiary terminal
Send verification code information；Verification code information is verified described in the beneficiary terminal-pair, if the verification passes, then completes to hand over
Easily；If verification does not pass through, transaction is terminated.
14. offline electronic payment system according to claim 13, it is characterised in that：Further include：
Background server comprising identifying code generation unit, the identifying code generation unit for generate include plain code information with
The verification code information of private mark information；
Wherein, the identifying code generation unit of the background server generates plain code information in setting time point, and randomly chooses institute
The private mark information is formed after stating the encryption of the specified bytes in plain code information, finally by the plain code information and the private mark information
It synchronizes and passes to payer terminal and store.
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| CN201810612910.3A CN108805558A (en) | 2018-06-14 | 2018-06-14 | A kind of offline electronic payment method and offline electronic payment system |
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| CN201810612910.3A CN108805558A (en) | 2018-06-14 | 2018-06-14 | A kind of offline electronic payment method and offline electronic payment system |
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Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110288337A (en) * | 2019-06-11 | 2019-09-27 | 深圳市微付充科技有限公司 | Method of mobile payment, mobile terminal, server and device |
| CN110992017A (en) * | 2019-11-07 | 2020-04-10 | 山东易通发展集团有限公司 | Remote safety wind control management method, system and readable storage medium for offline prepaid card acceptance terminal |
| CN111062724A (en) * | 2019-11-22 | 2020-04-24 | 陈晓晖 | Double-off-line account transfer transaction method and system |
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Application publication date: 20181113 |