Offline payment method based on NFC

Abstract

The invention belongs to the technical field of mobile payment, and discloses an offline payment method based on NFC. The method includes steps: S1, a payment terminal receives a collection instruction sent by a collection terminal; S2, the payment terminal generates a first verification code and a first authentication signature code, and sends the first verification code, the first authentication signature code and a payment terminal identity authentication instruction to the collection terminal; S3, the payment terminal receives a second verification code, a second authentication signature code, and an update electronic wallet balance instruction which are generated after signature verification and deduction of the payment terminal by the collection terminal; S4, the payment terminal performs signature verification on the collection terminal, and the corresponding amount is added to an electronic wallet based on the received update wallet balance instruction; and S5, the payment terminal generates a third verification code and a third authentication signature code, and sends the third verification code, the third authentication signature code, and a payment success instruction to the collection terminal so that the collection terminal can perform signature verification. According to the method, non-network payment and data exchange between two terminals can be realized.

Description

Technical field [0001] The invention belongs to the field of mobile payment technology, and particularly relates to an offline payment method. Background technique [0002] The current main payment methods are: cash on delivery, online payment, bank wire transfer and postal remittance. [0003] For cash on delivery, it is a settlement payment method in which the two parties inspect and accept the goods on the spot after the order content submitted by the customer is delivered to the customer's designated delivery location within the promised delivery time limit, and the payment is paid on the spot. It effectively solves the two major problems of payment and logistics in China's online retail industry, and cultivates customers' trust in the network. However, it uses cash to pay, so it can only be limited to small payments, and large transactions cannot be realized for merchants. Moreover, because door-to-door delivery is subject to geographical restrictions, customers generally cho...

AI Technical Summary

Problems solved by technology

However, the delivery cycle of this payment method is long; in addition, customers must go to the bank or post office to pay, and the payment process is cumbersome

For merchants, this transaction method cannot reflect the advantages of e-commerce such as high speed, strong interactivity, ease of use, and low operating costs.

Therefore, this payment method cannot adapt to the long-term rapid development of e-commerce

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