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Offline payment method and offline payment system

An offline payment and payer technology, applied in the payment field, can solve problems such as inability to realize transfer payment, and achieve the effects of avoiding payment congestion, strong encryption, and stable transmission

Inactive Publication Date: 2018-11-13
王华
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Moreover, the disadvantage of only online payment is obvious. When the user is in an environment with poor network conditions (such as subways, remote mountainous areas, etc.), transfer payment cannot be realized, and Alipay’s sonic payment can only be made in a specific network that supports sonic payment and is connected to the Internet. use on device

Method used

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  • Offline payment method and offline payment system
  • Offline payment method and offline payment system

Examples

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Embodiment 1

[0028] see figure 1 , the offline payment system provided by the present invention includes a payer terminal 10 , a background server 20 and a payee terminal 30 .

[0029] Wherein, the payer's terminal 10 is a payer's mobile terminal, such as a mobile phone, a tablet computer, a smart bracelet, a smart watch, and other electronic products capable of payment; the payee's terminal 30 is the payee's collection Terminals, such as POS machines, cash registers, payee mobile terminals and other electronic products capable of cash collection; the background server 20 is a server of a payment institution, such as the background server 20 of a bank or the background server 20 of a mobile payment platform. It should be noted that, the background server 20 refers to a server for realizing transaction information processing.

[0030] In this embodiment, the payer terminal 10 includes an online payment state and an offline payment state, and the payer terminal 10 chooses to perform online ...

Embodiment 2

[0066] Such as figure 2 As shown, the offline payment system provided by Embodiment 2 is basically the same as the offline payment system provided by Embodiment 1, the main differences are:

[0067] During the offline payment process, the payee terminal 230 sends a collection request to the payer terminal 210 through the communication link, and after the payer terminal 210 receives and agrees to the payment request, the The payee terminal 230 sends verification code information to the payee terminal 210; the payee terminal 230 verifies the verification code information, and if the verification is passed, the transaction is completed; if the verification fails, the transaction is terminated trade.

[0068] a based on figure 2 The payment method of the offline payment system shown includes the following steps:

[0069] 1. The payer terminal 210 judges whether the current network status can complete the payment process, and if not, starts the offline payment status;

[0070...

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Abstract

The invention provides an offline payment method and an offline payment system. The offline payment method comprises the following steps that a payment side terminal determines whether payment can becompleted based on a current network state, if not, the terminal starts an offline payment state; the payment side terminal and a recipient side terminal build a one-to-one communication link; the payment side terminal sends, through the communication link, payment request information and verification code information to the recipient side terminal; and the recipient side terminal verifies the verification code information and completes transaction based on the payment request information after verification succeeds. The invention further provides an offline payment system using the offline payment method.

Description

technical field [0001] The invention relates to the technical field of payment, in particular to an offline payment method and an offline payment system. Background technique [0002] At present, most of the mobile payment solutions on the market are online, which require the terminal device to connect to the network. After the transfer or payment, the third-party platform (Alipay, etc.) generates a transaction voucher, and finally completes the transaction. Alipay's sonic payment is a kind of offline payment, but it needs a vending machine that supports sonic payment to realize the transaction. After the payment is completed, it is necessary for the payee to activate the link network to complete the payment when it is convenient for the payee to link to the network. [0003] Moreover, the disadvantage of only online payment is obvious. When the user is in an environment with poor network conditions (such as subways, remote mountainous areas, etc.), transfer payment cannot ...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/40G06F21/60
CPCG06F21/602G06F21/606G06Q20/3278G06Q20/401
Inventor 王华全威郭鹏宏吴国平高翔宇曹罡语盖志超毕涛
Owner 王华
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