TWM618217U - Offline payment system - Google Patents

Abstract

An offline payment system includes a financial transaction platform, a payment device and a cash register device. The financial transaction platform has a payment account. The payment device has a payment account information corresponding to the payment account. When neither the payment device nor the cash register device is connected to the financial transaction platform in communication, the cash register device displays a transaction barcode with transaction information for the payment device to obtain the transaction information. According to the transaction information and the payment account information, the payment device displays a review barcode with a review information for the cash register device to obtain and verify an authorization certificate in the review information. When the cash register device communicates with the financial transaction platform, the cash register device transmits transaction information and review information to the financial transaction platform. The financial transaction platform changes the payment account based on the comparison result of the transaction information and the review information.

Description

Offline payment system

This model relates to a payment system, especially an offline payment system.

In today's society, cashless transactions have become a trend. In the early days, transactions were carried out by means of credit cards and other guarantees guaranteed by financial institutions. Recently, some mobile devices conduct transactions through direct debit/entry between payment accounts and receiving accounts; or virtualized storage of credit card information in mobile devices for transactions. These are all major breakthroughs in trading methods.

However, these transaction methods will need to connect with financial institutions at the moment of the transaction to ensure the security of cashless transactions, which will increase the waiting time of the transaction. For example, the cash register will return the credit card number to confirm that the limit is sufficient, or the action of payment. The device or the mobile device receiving the payment needs to be connected to the financial institution to wait for the financial institution to return a message that the transaction is successful. What's more, if there is a natural disaster or when you are unable to connect to financial institutions such as leaving the mobile network service area, or when some shops are located in the basement and the network connection environment is not good, the above transaction method It cannot be carried out, and the convenience of cashless transactions is lost.

The present model is to provide an offline payment system, which can still complete safe cashless financial transactions without connecting with financial institutions.

The offline payment system disclosed in an embodiment of the present invention includes a financial transaction platform, a payment device, and a cash register device. The financial transaction platform has a payment account. The payment device includes a first computing module, a first network connection module, a first image capturing module, and a first display module. The first computing module is electrically connected to the first network connection module, the first image capturing module and the first display module. The first calculation module has a payment account information corresponding to the payment account. The first computing module selectively communicates with the financial transaction platform through the first network connection module. The cash register device includes a second computing module, a second network connection module, a second image capturing module, and a second display module. The second computing module is electrically connected to the second network connection module, the second image capturing module, and the second display module. The second computing module selectively communicates with the financial transaction platform through the second network connection module. When neither the first arithmetic module nor the second arithmetic module are connected to the financial transaction platform in communication, the second arithmetic module displays a transaction barcode with transaction information on the second display module for the first arithmetic module to pass through The first image capturing module obtains the transaction information of the transaction barcode. The first computing module displays a review barcode with a review information on the first display module according to the transaction information and payment account information, so that the second computing module can obtain the review barcode through the second image capturing module. Nuclear information. When the second computing module is not connected to the financial transaction platform in communication, the second computing module will verify an authorization certificate in the review information. When the second computing module is connected to the financial transaction platform in communication, the second computing module transmits transaction information and review information to the financial transaction platform through the second network connection module. The financial transaction platform changes the payment account based on the comparison result of the transaction information and the review information.

According to the offline payment system disclosed in the above embodiment, the payment device It can complete the exchange of transaction information and review information with the cash register device when neither of them is connected to the financial transaction platform, and the transaction content cannot be tampered with by a third party. Therefore, the payer and the receiver can still complete safe cashless financial transactions even when there is no internet or the internet signal is poor.

The above description of the content of the present invention and the description of the following embodiments are used to demonstrate and explain the principles of the present invention and provide a further explanation of the scope of the patent application of the present invention.

10a, 10b: offline payment system

110: Financial trading platform

120a, 120b: payment device

121: The first operation module

122: The first receiving module

123: The first network connection module

124: The first imaging module

125: The first display module

126: The first input module

127: The first broadcast module

128: The first radio module

130a, 130b: cash register device

131: The second computing module

132: The second receiving module

133: The second network connection module

134: The second imaging module

135: The second display module

136: The second input module

137: The second broadcast module

138: The second radio module

Fig. 1 is a block diagram of the offline payment system according to the first embodiment of the present invention.

Fig. 2 is a block diagram of the offline payment system according to the second embodiment of the present invention.

The first embodiment of the present invention will be described below. Please refer to FIG. 1, which is a block diagram of the offline payment system 10a according to the first embodiment of the present invention.

The offline payment system 10a of this embodiment includes a financial transaction platform 110, a payment device 120a, and a cash register 130a. The financial transaction platform 110 is, for example, provided by a financial institution (for example, a bank). The financial transaction platform 110 has a payment account, where the payment account is, for example, a live deposit account, a credit card, or an electronic wallet of the payer.

The payment device 120a is, for example, the mobile phone of the payer. Payment device 120a It includes a first computing module 121, a first receiving module 122, a first network connection module 123, a first image capturing module 124, a first display module 125, and a first input module Group 126. The first computing module 121 is electrically connected to the first receiving module 122, the first network connection module 123, the first image capturing module 124, the first display module 125, and the first input module 126. The first computing module 121 has a payment account information, a person's information, and a biometric feature input by the payer through the first input module 126, where the payment account information is, for example, the payer’s live deposit account, credit card number or electronic wallet Account number, and corresponds to the payment account; personal information, for example, the payer’s online banking account secret; biometrics, for example, the payer’s fingerprints, voiceprints, or facial features.

The first computing module 121 selectively communicates with the financial transaction platform 110 through the first network connection module 123. For example, when the first network connection module 123 is in the on state, the first calculation module 121 is connected to the first network connection module 123 through the first network connection module 123, for example, through an APP application provided by a financial institution. The financial transaction platform 110; and when the first network connection module 123 is in the closed state, the first computing module 121 disconnects the communication connection with the financial transaction platform 110.

The first computing module 121 receives a one-time password (OTP) from the financial transaction platform 110 through the first receiving module 122, for example, by SMS. When the first computing module 121 is communicatively connected to the financial transaction platform 110, the first computing module 121 transmits the dynamic password, payment account information, personal data, and biometrics to the financial transaction platform 110 through the first network connection module 123 Verification to complete the binding between the payment device 120a and the payment account. The financial transaction platform 110 generates a credit score according to the balance of the payment account and transaction details, and according to the credit The level of the score generates a transaction limit. The financial transaction platform 110 transmits the transaction limit to the first calculation module 121 through the first network connection module 123. In addition, the financial transaction platform 110 also transmits an encryption function and a hash function to the first arithmetic module 121 through the first network connection module 123. The encryption function and the hash function are only those of the financial transaction platform 110 and The payment device 120a has it and will not be passed on to a third party.

The cash register 130a is, for example, a mobile device or cash register of the payee. The cash register device 130a includes a second computing module 131, a second receiving module 132, a second network connection module 133, a second image capturing module 134, a second display module 135, and a second Two input module 136. The second computing module 131 is electrically connected to the second receiving module 132, the second network connection module 133, the second image capturing module 134, the second display module 135, and the second input module 136. The second calculation module 131 has a collection account information input by the payee through the second input module 136, where the collection account information is, for example, the payee’s live account or e-wallet account, and corresponds to, for example, It is the live deposit account of the payee or the receiving account of the e-wallet.

The second computing module 131 selectively communicates with the financial transaction platform 110 through the second network connection module 133. For example, when the second network connection module 133 is in the open state, the second calculation module 131 may be connected via the second network through an APP provided by a financial institution or an interbank transaction integration agency. The module 133 is communicatively connected to the financial transaction platform 110; and when the second network connection module 133 is in the closed state, the second computing module 131 disconnects the communication connection with the financial transaction platform 110.

The second arithmetic module 131 uses the second receiving module 132 to receive financial transactions The easy platform 110 or another financial transaction platform (not shown) provided by the inter-bank transaction integration agency receives another dynamic password, for example, sent by SMS. When the second computing module 131 is communicatively connected to the financial transaction platform 110 or another financial transaction platform, the second computing module 131 transmits another dynamic password and receiving account information to the financial institution through the second network connection module 133 The transaction platform 110 or another financial transaction platform verifies to complete the binding between the cash register device 130a and the payment account.

The financial transaction platform 110 can also send a private key and an expiration date to the first calculation module 121 through the first network connection module 123, and send the latest version to the first calculation module 121 again after the expiration date. Private key and expiration date. The first computing module 121 can use the private key to sign the aforementioned payment account information and transaction limit to generate an authorization certificate, and periodically update the authorization certificate according to the validity period. The financial transaction platform 110 may also disclose a public key, an account verification method, and the aforementioned validity period to the outside, and again disclose the latest version of the public key, account verification method, and validity period after the validity period expires. The second computing module 131 can obtain the latest version of the public key, the account verification method, and the validity period through the second network connection module 133.

When the second computing module 131 is not connected to the financial transaction platform 110, the payee can input the amount to be collected from the payer through the second input module 136 at the cash register device 130a to generate an account receivable. The calculation module 131 can display a transaction barcode on the second display module 135 based on the account receivable and the payment account information previously entered by the payee. The transaction barcode is, for example, a two-dimensional barcode and has a transaction Information, and the transaction information has the collection account information and accounts receivable as described above.

When the first arithmetic module 121 is not connected to the financial transaction platform 110 in communication, the first arithmetic module 121 obtains the transaction barcode through the first image capturing module 124. The first arithmetic module 121 interprets the transaction information (that is, the receiving account information of the payee and the accounts receivable) according to the transaction barcode. Next, the first calculation module 121 checks whether the account receivable is less than or equal to the transaction limit previously received from the financial transaction platform 110. If the account receivable is greater than the transaction limit, the first calculation module 121 displays an error message through the first display module 125. Otherwise, the first calculation module 121 generates a transaction time based on the current time when the transaction information is obtained. The first calculation module 121 encrypts the transaction time with the encryption function previously received from the financial transaction platform 110 to obtain a transaction password (Token).

The first arithmetic module 121 transfers the received account information of the interpreted transaction information together with the transaction password, payment account information, biometric characteristics, and an account payable of the same amount as the account receivable through the previously received account information from the financial transaction platform 110 After the hash function is calculated, a hash value (Hash) is obtained. Once the original data is calculated by the hash function, the original data cannot be derived back. The first calculation module 121 displays a review barcode on the first display module 125, where the review barcode is, for example, a two-dimensional barcode and has a review information, and the review information has an authorization certificate, a hash value, payment account information, Transaction time and accounts payable. The second computing module 131 obtains the review barcode through the second image capturing module 134 to interpret the review information.

The second calculation module 131 can use the public key to verify the authorization certificate according to the previously obtained account verification method, confirm that the payment account information is correct, the transaction limit is greater than the account receivable, and the validity period has not expired. Verify that it is correct in the second computing module 131 After that, the current item transaction can be completed, and the first computing module 121 or the second computing module 131 does not need to communicate with the financial transaction platform 110 at the moment.

When the second arithmetic module 131 is connected to the financial transaction platform 110 in communication, the second arithmetic module 131 collects the interpreted hash value of the review information, payment account information, transaction time, and accounts payable together with the original transaction information. The account information and the accounts receivable are sent to the financial transaction platform 110 through the second network connection module 133 together.

The financial transaction platform 110 can query the encryption function and hash function agreed upon when the payment device 120a and the payment account are bound on the financial transaction platform 110 through a dynamic password according to the payment account information sent by the second computing module 131. The financial transaction platform 110 can encrypt the transaction time transmitted by the second arithmetic module 131 through an encryption function to obtain the same transaction password. The financial transaction platform 110 combines the transaction secret code and the biometric characteristic corresponding to the payment account information previously transmitted by the first calculation module 121, together with the collection account information, payment account information and accounts payable returned by the second calculation module 131 Calculated by the aforementioned hash function to obtain another hash value. After the financial transaction platform 110 compares the other hash value with the hash value returned by the second calculation module 131, it debits the payment account and other transactions, and performs transactions on the payment account directly or through an inter-bank transaction integration agency. Changes such as crediting.

It is worth mentioning that since the verification barcode displayed by the first computing module 121 through the first display module 125 does not contain the transaction password and biological characteristics, even the transaction barcode and the verification barcode are captured by a third party. Take it away, the third party still cannot know the payment code and biometrics of the payment party and cannot tamper with the transaction.

In addition, in this embodiment, the biological feature is only used as a computational hash The original material data of the function, but this model is not limited to this. In some embodiments, the first computing module does not need to obtain the biometrics of the payer, and does not need to transmit the biometrics to the financial transaction platform; and the first computing module and the financial transaction platform do not need to transfer the biometrics to the financial transaction platform. When the biometrics are calculated by the hash function, the hash value and another hash value that are the same value can still be obtained, which does not affect the operation of the offline payment system.

In the offline payment system 10a, the payment device 120a and the cash register 130a can complete the exchange of transaction information and review information when neither of them is connected to the financial transaction platform 110, and the transaction content cannot be tampered with by a third party. Therefore, the payer and the receiver can still complete safe cashless financial transactions even when there is no internet or the internet signal is poor.

Furthermore, in the offline payment system 10a, it is only necessary for the second arithmetic module 131 to transmit the transaction information and review information to the financial transaction platform 110 when the second arithmetic module 131 is in communication with the financial transaction platform 110. In this way, there is no need to wait for the first computing module 121 and the second computing module 131 to communicate with the financial transaction platform 110 to complete the transaction between the payment account and the receiving account. In some cases, for example, in a store located in a basement, only the mobile network of the payment device 120a is not well received, and the cash register device 130a can smoothly communicate with the financial transaction platform 110 through a fixed network. Therefore, only the second computing module 131 transmits the transaction information and the review information to the financial transaction platform 110, and the transaction between the payment account and the payment account can be completed at the moment of the transaction. However, the present invention is not limited to this. In some embodiments, the transaction information and review information can also be sent to the financial transaction by the first calculation module Platform to complete this payment transaction.

In addition, in the offline payment system 10a, the payment device 120a and the cashier device 130a achieve the purpose of exchanging transaction information and reviewing information by capturing images of barcodes, but the present invention is not limited to this. In some embodiments, the payment device and the cash register device can also use Bluetooth, infrared, near field communication (NFC) or short-wave radio AX.25 to achieve the purpose of exchanging transaction information and reviewing information.

Please refer to FIG. 2, which is a block diagram of the offline payment system 10b according to the second embodiment of the present invention. The elements with the same reference numerals as in the previous embodiment in FIG. 2 represent the second embodiment of the present invention. The configuration and operation of this element are the same as those in the previous embodiment. In the following, only the differences between the second embodiment of the present invention and the foregoing embodiments will be described, and the remaining similarities will be omitted.

In this embodiment, the payment device 120b further includes a first broadcasting module 127 and a first radio module 128. The first computing module 121 is electrically connected to the first broadcasting module 127 and the first radio module 128. The cash register device 130b further includes a second broadcasting module 137 and a second radio module 138. The second computing module 131 is electrically connected to the second broadcasting module 137 and the second radio module 138.

In this embodiment, the first calculation module 121 displays the review bar code through the first display module 125 as in the previous embodiment, wherein the review information of the review bar code further has the receiving account information of the payee. At the same time, the first arithmetic module 121 plays a first audio through the first broadcasting module 127, where the first audio is converted from the collection account information of the review information and the accounts payable. The second computing module 131 receives the first audio signal through the second radio module 138. The second arithmetic module 131 judges the After receiving the payment account information and the accounts payable in a message, verify whether it is consistent with the receiving account information and the accounts receivable used to generate the transaction barcode. The second arithmetic module 131 confirms the reliability of the check barcode according to the result of the verification, so as to ensure that the payment device 120b and the cash register device 130b exchange transaction information and the reliability of the check information when neither of them is connected to the financial transaction platform 110. .

For example, in the first audio, the numbers 0-9 can correspond to different waveforms, such as tuning fork, flute, clarinet, oboe, violin, piano, organ, jazz drums, harmonica, bagpipes, etc. Waveform, and the number of digits (for example, 15 digits) of the receiving account information and the number of digits (for example, 6 digits) of accounts payable can respectively correspond to the frequency of every 100 Hz from 500 Hz to 2500 Hz. In a practical example, if the receiving account information is 008-310-20-123456-7 and the accounts payable is 005,000 yuan, the first message contains 800 Hz violin sound, 1400 Hz oboe sound, and 2000 Hz tuning fork The sound of each timbre is not played according to the respective digits of the data, nor does it affect the interpretation of the receiving account information and the data of the accounts payable by the second calculation module 131. The above-mentioned timbre and frequency for the first audio are only illustrative, and the present invention is not limited to this. In some embodiments, the first audio signal may also have a tone color and frequency not listed above.

In a few cases, the first display module 125 of the payment device 120b may have defects (such as a broken screen), or the second image capturing module 134 of the cash register device 130b may be stained (such as lens dust). As a result, the second computing module 131 cannot read the review information of the review barcode smoothly, and the verification of the review barcode fails. At this time, the second computing module 131 plays a second audio through the second broadcasting module 137, The second audio is, for example, the overtone or quadruple frequency of the first audio. After the first arithmetic module 121 receives the second audio through the first radio module 128 and determines that the second audio is the overtone of the first audio played through the first broadcasting module 127, the first arithmetic module 121 differs The barcode generation method generates another review barcode, and displays another review barcode through the first display module 125, so that the second computing module 131 scans through the second image capturing module 134 to obtain the same review information Content. In this way, when any one of the payment device 120b or the cash register device 130b cannot read the transaction bar code or check the bar code smoothly, neither the payer nor the payee need to re-operate the aforementioned steps, thereby enhancing offline payment The convenience of the system 10b.

When the first computing module 121 is connected to the financial transaction platform 110 in communication, it transmits the first message to the financial transaction platform 110. After the financial transaction platform 110 interprets the content of the review information from the first message, it can check the data returned by the second computing module 131 again, thereby further enhancing security.

According to the offline payment system of the above embodiment, the payment device and the cash register device can complete the exchange of transaction information and review information with each other when neither of them is connected to the financial transaction platform, and the transaction content cannot be tampered with by a third party. Therefore, the payer and the receiver can still complete safe cashless financial transactions even when there is no internet or the internet signal is poor.

In some embodiments, the first computing module displays the review barcode through the first display module, and at the same time plays the first audio through the first broadcasting module. The second arithmetic module receives the first audio through the second radio module to determine the collection account information and the accounts payable in the first audio, and then verify whether it is the same as the previous one used to generate a transaction The receiving account information of the barcode is consistent with the accounts receivable. The second arithmetic module confirms the reliability of the check barcode according to the verification result, so as to ensure the reliability of the transaction information and the check information exchanged between the payment device and the cash register device when neither of the payment device and the cash register device are connected to the financial transaction platform.

In some embodiments, when the second arithmetic module cannot read the review information of the review barcode smoothly, the second arithmetic module plays the second audio through the second broadcasting module. The first arithmetic module receives the second audio signal through the first radio module to determine that the second audio is the overtone of the first audio, and then displays another check barcode through the first display module for the second arithmetic module Scan through the second imaging module to obtain the same content of the review information. In this way, when any one of the payment device or the cash register device cannot read the transaction bar code or check the bar code smoothly, neither the payer nor the payee need to re-operate the aforementioned steps, thereby enhancing the offline payment system. Convenience.

It is worth noting that the communication connection mentioned in this article refers to a connection mode in which two components exchange signals with each other in a wired or wireless manner, for example.

Although the present invention is disclosed in the foregoing embodiments as above, it is not intended to limit the present invention. Anyone who is familiar with similar skills can make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, the present invention The scope of patent protection for new models shall be determined by the scope of patent applications attached to this specification.

10a: Offline payment system

110: Financial trading platform

120a: payment device

121: The first operation module

122: The first receiving module

123: The first network connection module

124: The first imaging module

125: The first display module

126: The first input module

130a: cash register

131: The second computing module

132: The second receiving module

133: The second network connection module

134: The second imaging module

135: The second display module

136: The second input module

Claims (10)

An offline payment system includes: a financial transaction platform with a payment account; a payment device including a first computing module, a first network connection module, a first image capturing module, and a first Display module, the first calculation module is electrically connected to the first network connection module, the first image capturing module and the first display module, and the first calculation module has a corresponding payment account A payment account information, the first calculation module selectively communicates with the financial transaction platform through the first network connection module; and a cash register device including a second calculation module and a second network Connection module, a second image capturing module and a second display module, the second computing module is electrically connected to the second network connection module, the second image capturing module and the second Display module, the second operation module selectively communicates with the financial transaction platform through the second network connection module; wherein, neither the first operation module nor the second operation module communicate When connected to the financial transaction platform, the second arithmetic module displays a transaction barcode with transaction information on the second display module, so that the first arithmetic module can obtain the transaction barcode through the first image capturing module The transaction information, the first computing module displays a review barcode with a review information on the first display module based on the transaction information and the payment account information, so that the second computing module can pass through the first display module The second image capturing module obtains the review information of the review barcode, and when the second computing module is not connected to the financial transaction platform in communication, the second computing module verifies an authorization certificate in the review information ； When the second computing module is communicatively connected to the financial transaction platform, the second computing module transmits the transaction information and the review information to the financial transaction platform through the second network connection module, and the financial transaction The platform changes the payment account based on the comparison result of the transaction information and the review information. The offline payment system according to claim 1, wherein the first calculation module receives a dynamic password from the financial transaction platform, and the first calculation module communicates the dynamic password with the dynamic password through the first network connection module. The payment account information is sent to the financial transaction platform to complete the binding between the payment device and the payment account. The offline payment system according to claim 1, wherein the payment device further includes a broadcasting module, the broadcasting module is electrically connected to the first computing module, the cash register device further includes a radio module, the radio module Electrically connected to the second computing module, when the first computing module displays the review barcode through the first display module, the first computing module plays a first audio through the broadcasting module, the The first audio signal is converted from a collection account information corresponding to the cash register device in the review information and an account payable. The second computing module receives the first audio signal through the radio module to Verify the reliability of the review barcode. The offline payment system according to claim 3, wherein the payment device further includes a second radio module, the second radio module is electrically connected to the first computing module, and the cash register device further includes a second radio module Group, the second broadcasting module is electrically connected to the second computing module, and according to the failed result of verifying the barcode verification, the second computing module plays a second audio through the second broadcasting module, the second The audio is the overtone of the first audio, and the first arithmetic module receives the Second audio, and the first computing module displays another review barcode through the first display module for the second computing module to scan through the second image capturing module. The offline payment system according to claim 3, wherein the first computing module transmits the first audio to the financial transaction platform through the first network connection module. The offline payment system according to claim 1, wherein the transaction information has a collection account information and an account receivable corresponding to the cash register device. The offline payment system according to claim 1, wherein the review information has a hash value from a transaction password, the payment account information, a collection account information corresponding to the cash register device, and an account payable Calculated from the paragraph. The offline payment system according to claim 7, wherein the transaction password is obtained by encrypting a transaction time when the first operation module obtains the transaction information with an encryption function, and the encryption function is in the first operation module. When a computing module is communicatively connected to the financial transaction platform, it is received from the financial transaction platform through the first network connection module. The offline payment system according to claim 1, wherein the payment account corresponds to a transaction limit, and the transaction limit is generated based on a credit score corresponding to the payment account by the financial transaction platform. The offline payment system according to claim 1, wherein the payment account is a live deposit account or a credit card.

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