An offline payment method and system

Abstract

The invention provides an offline payment method. The offline payment method comprises that a payment terminal generates encrypted dynamic tokens and sends decryption keys of the encrypted dynamic tokens to a user terminal; the user terminal obtains N encrypted dynamic tokens from the payment terminal once and stores the N encrypted dynamic tokens, during the payment process, after one encrypted dynamic token is decrypted, the dynamic token is processed to obtain dynamic token information; a POS device is automatically matched with the user terminal to obtain the dynamic token information, and transmits the dynamic token information to a merchant platform; the merchant platform generates a payment order request including the dynamic token information and sends the payment order request to the payment terminal; the payment terminal identifies the user identity account in dependence on the user account ID and the dynamic token information in the payment order request, and carries out order payment in dependence on the user identity account and the payment order request. The invention also provides a corresponding offline payment system.

Description

technical field [0001] The present invention relates to the technical field of electronic commerce, and more specifically, relates to an offline payment method and system. Background technique [0002] Currently, offline consumer transactions of mobile e-commerce are becoming more and more popular. In the payment process of completing transactions, user identification is mainly realized by SMS verification codes, NFC (Near Field Communication, near field communication) and other methods. [0003] The SMS verification code method is that the business system server pushes the SMS verification code to the user's mobile phone, and the user provides the SMS verification code to the merchant. After the merchant enters the user's SMS verification code on the terminal device, the user's account identity is identified, and the account information and transaction information form an order , sent to the business system server to complete the payment transaction. The entire user identi...

AI Technical Summary

Problems solved by technology

The entire user identification process is simple and convenient, but it cannot prevent unsafe factors such as brute force cracking, hacking, and poor user experience caused by delays in sending SMS verification codes

[0004] The NFC method is that the user uses the NFC mobile phone to swipe the mobile phone in the acceptance environment, and completes the acquisition of the user account information through near-field communication, and then completes the payment transaction. However, the NFC method requires the user to replace the NFC-enabled terminal, or even replace the NFC-SWP SIM. Cards, the threshold for users to use is relatively high, and merchants need to transform the acceptance environment and increase additional costs

[0005] In short, under the new situation of rapid development of mobile e-commerce, with the continuous deepening of the O2O model and the continuous enhancement of mobile terminal capabilities, simple verification code identification or identification methods realized through NFC device near-field communication technology can no longer meet the requirements. This new model of offline e-commerce, therefore, in order to ensure the common interests of users, e-commerce platforms, and merchants, and promote the sustainable development of the industrial chain, seek a brand new, safer, more convenient and faster, with better users Experiential payment methods for offline consumption transactions have become an urgent problem to be solved

Images