Offline-payment methods, offline-payment devices and offline-payment system of unified authentication on network payment account

Abstract

The embodiment of the invention provides offline-payment methods, offline-payment devices and an offline-payment system of unified authentication on a network payment account. One of the methods includes: determining a payment label in response to a selection operation of a network payment type; receiving, after establishing communication connection with an IC chip, an identity recognition accountlocally stored by the IC chip and an authentication ciphertext calculated by the IC chip; and assembling the authentication ciphertext, the payment label and transaction service data, which include the identity recognition account, into a transaction message, and sending the same to an authentication platform for identity authentication of the IC chip, and if authentication is successful, determining the target network payment account, which is used for a transaction, by the authentication platform according to the payment label and the identity recognition account, obtaining a transaction message by reassembling on the basis of the target network payment account, and sending the transaction message after reassembling to a network payment platform, which corresponds to the payment label,for transaction processing. Through implementing a solution corresponding to the embodiment of the invention, use costs of network payment can be reduced, and a payment success rate of network paymentcan be increased.

Description

technical field [0001] The invention relates to the technical field of financial payment, in particular to an offline payment method, device and system for unified authentication of network payment accounts. Background technique [0002] With the popularization of 3 / 4G network, online payment has replaced cash payment and credit card payment, and has become one of the mainstream payment methods when purchasing goods. For example, Alipay payment, WeChat payment, Baidu wallet payment, etc. [0003] Existing online payment methods rely on smartphones to complete payment, for example, scanning payment QR codes through smartphones. Then form a situation that if you want to use the network payment, you must buy a smart phone. However, under normal circumstances, the price of smart phones is relatively high, resulting in relatively high usage costs for existing online payment methods. At the same time, when the mobile phone signal is unstable, the payment may not be completed, r...

AI Technical Summary

Problems solved by technology

This leads to the situation that if you want to use online payment, you must buy a smart phone

However, under normal circumstances, the price of smartphones is relatively high, resulting in relatively high usage costs for existing online payment methods.

At the same time, when the mobile phone signal is unstable, the payment may not be completed, resulting in a low payment success rate

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