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Method, server and system for preventing repeated transfer under dual offline payment

A technology of offline payment and payment terminal, applied in the field of digital assets, which can solve problems such as repeated transfers

Pending Publication Date: 2021-12-10
刘高峰
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, the inventor of this case found that for digital asset dual offline payment, due to the reproducibility of data, there may be a problem of "repeated transfer", that is, the digital asset server repeatedly transfers digital assets due to malicious or improper operations. Problems, for example, the receiving end repeatedly sends the same payment voucher received in the dual offline state to the digital asset server to request transfer, which causes the digital asset server to repeatedly transfer the digital asset to the receiving end; For example, the receiving end copies the same payment voucher received in the dual offline state to other receiving ends (for example, when using a QR code for offline payment, take a photo of the QR code, and copy the QR code image through the network or other means) to other receivers), so multiple receivers send the payment certificate to the digital asset server to request transfer, which causes the digital asset server to repeatedly transfer the digital asset to the multiple receivers

Method used

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  • Method, server and system for preventing repeated transfer under dual offline payment
  • Method, server and system for preventing repeated transfer under dual offline payment
  • Method, server and system for preventing repeated transfer under dual offline payment

Examples

Experimental program
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Embodiment approach

[0174] As described in the above-mentioned embodiment applied to the receiving end, the sender of the payment voucher can be the receiving end, or a transfer device such as a collection server, and the identification information of the payment voucher sender obtained by the server can include A variety of implementation methods may include at least:

Embodiment approach 1

[0175] Embodiment 1, the server acquires the identity information of the sender by performing identity verification on the sender.

[0176] For example, the sender of the payment credential sends an identity verification request to the server. The identity verification request carries identity verification information such as an application account number and password. After the verification is passed, the application account is obtained, and the application account is the identification information of the sender.

[0177] For another example, when the sender of the payment voucher sends the payment voucher to the server, it also carries a token or a session state at the same time, and the token or session state is returned to the sender by the server after the sender has passed identity verification Yes, the server obtains the identification information associated with the token or the session state (such as an application account), and the obtained identification information...

Embodiment approach 2

[0178] Embodiment 2, the payment credential further includes corresponding digital signature information, and the payment credential is verified according to the digital signature information, and if the verification is passed, the identity information of the sender is determined according to the digital signature information.

[0179]The payment certificate also includes corresponding digital signature information, that is, the digital signature information is also received when the server receives the payment certificate, and the digital signature information is the payment Digital signature information for the credential. It can be understood that if the payment certificate is sent by the sender in the form of an offline payment package, the digital signature information can also be the digital signature information of the offline payment package received by the receiving end, that is, the The digital signature information is also received when the package is paid offline. ...

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PUM

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Abstract

The invention discloses a method, a server and a system for preventing repeated transfer under dual offline payment. The method comprises the following steps that: a payment terminal generates a payment voucher, wherein the payment voucher comprises payment terminal identification information, receiving terminal identification information, transaction identification information and corresponding digital assets; the payment end transmits the payment voucher to a receiving end through local communication; the receiving end sends the payment voucher to a server; and the server verifies the payment voucher, and transfers the corresponding digital assets to the account where the receiving end identification information is located from the account where the payment end identification information is located if the implemented verification modes determine that the verification is passed. The method can be applied to a double offline payment environment, and can effectively prevent the server from repeatedly transferring the digital assets according to the same payment voucher.

Description

【Technical field】 [0001] The present invention relates to the technical field of digital assets, in particular to a method, server and system for preventing repeated transfers under dual offline payment. 【Background technique】 [0002] Digital assets refer to assets that exist in the form of electronic data, such as virtual assets, digital currency, electronic currency, etc. In the online payment business of digital assets, it is usually the case that at least one of the payment end (such as the payer device) and the receiving end (such as the payee device) can communicate with the digital asset server (such as registration center, payment center) Real-time communication, and send a request to the digital asset server to pay digital assets or receive digital assets, and the digital asset server will transfer digital assets in real time according to the received request. [0003] Dual offline payment refers to the payment when neither the payment end nor the receiving end ca...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/08G06Q20/38G06Q20/40
CPCG06Q20/085G06Q20/382G06Q20/3825G06Q20/401
Inventor 刘高峰
Owner 刘高峰