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Offline payment method, device and equipment

An offline payment and offline technology, applied in the payment system, payment circuit, payment system structure, etc., can solve problems such as unfavorable offline payment security, and achieve the effect of ensuring timeliness security and ensuring security.

Active Publication Date: 2020-01-07
深圳汇商通盈科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] In view of this, the embodiment of the present application provides an offline payment method, device and equipment to solve the problem in the prior art that offline payment is not conducive to ensuring the security of offline payment

Method used

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  • Offline payment method, device and equipment
  • Offline payment method, device and equipment
  • Offline payment method, device and equipment

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Embodiment Construction

[0047] In the following description, for the purpose of illustration rather than limitation, specific details such as a specific system structure and technology are proposed for a thorough understanding of the embodiments of the present application. However, it should be clear to those skilled in the art that the present application can also be implemented in other embodiments without these specific details. In other cases, detailed descriptions of well-known systems, devices, circuits, and methods are omitted to avoid unnecessary details from obstructing the description of this application.

[0048] In order to illustrate the technical solutions described in the present application, specific embodiments are used for description below.

[0049] figure 1 A schematic diagram of an offline payment system provided in an embodiment of this application. The offline payment system includes a payment terminal, a payment terminal, and a payment cloud platform, wherein:

[0050] The payment t...

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Abstract

The invention relates to an offline payment method, device and equipment. The offline payment method comprises the steps of reading encrypted payment data and a private key which are stored locally; decrypting the encrypted payment data through the private key to obtain payment original data; calculating to obtain verification data corresponding to the offline payment code according to the currenttime point; and generating an offline payment code for payment according to the verification data and the payment original data, and performing payment according to the offline payment code. The offline payment code for payment is generated by the verification data and the original code for payment, the storage safety of the payment code is guaranteed, and the verification data is generated through the verification time point and the current time point, so that the timeliness safety of the payment code is guaranteed.

Description

Technical field [0001] This application belongs to the field of mobile payment, and in particular relates to an offline payment method, device and equipment. Background technique [0002] With the popularization of mobile payment methods, more and more merchants accept mobile payment collection methods. Consumers can use mobile payment to shop or enjoy services offline, which brings great convenience to consumers, and merchants can avoid the trouble of receiving counterfeit money or finding change through mobile payment. [0003] In the process of using mobile payment, there may be interference from the environment or other communication failures, making the user terminal unable to connect to the network, and for security reasons, the validity period of the payment code is relatively short. In order to generate a valid offline payment code, Generally, the offline payment code for payment is generated based on the card number and payment password, which is not conducive to ensuring...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38G06Q20/06G06Q20/32
CPCG06Q20/3823G06Q20/3829G06Q20/0658G06Q20/3276
Inventor 徐竞钧张侃赵煜旻杨鹏彭健
Owner 深圳汇商通盈科技有限公司
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