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Offline transaction method, device and system

A transaction method and offline technology, applied in the financial field, can solve the problem that the payment code cannot be generated and affect the smooth completion of the transaction, and achieve the effect of improving convenience and security.

Pending Publication Date: 2022-06-03
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the scenario where the existing two-dimensional code payment transaction is scanned, the customer needs to use the mobile terminal network to show the payment code. When the customer spends in places with unstable networks such as underground supermarkets and airlines, the problem that the payment code cannot be generated often occurs, which affects The transaction was successfully completed

Method used

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  • Offline transaction method, device and system
  • Offline transaction method, device and system
  • Offline transaction method, device and system

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Embodiment Construction

[0052] The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0053] As will be appreciated by those skilled in the art, embodiments of the present invention may be implemented as a system, apparatus, device, method or computer program product. Accordingly, the present disclosure may be embodied in entirely hardware, entirely software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0054] It should be noted that the offline transaction metho...

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Abstract

The invention provides an offline transaction method, device and system, which can be applied to the technical field of finance or other technical fields. The offline transaction method comprises the following steps: analyzing an encryption factor in a verification request from an acquiring server to obtain user account information; verifying the user account information to obtain a verification result, and returning the verification result to the acquiring server to enable the acquiring server to generate order information according to the verification result; and analyzing the order information from the order receiving server to determine a transaction amount and an offline payment limit, and performing offline transaction according to a comparison result of the transaction amount and the offline payment limit. According to the invention, the transaction convenience and security can be effectively improved.

Description

technical field [0001] The present invention relates to the field of financial technology, and in particular, to an offline transaction method, device and system. Background technique [0002] With the continuous development of mobile payment, QR code payment transactions are widely used in many fast payment scenarios, and have gradually become the main way of offline small and high-frequency payment. [0003] In the scenario where the existing QR code payment transaction is scanned, the customer needs to use the mobile terminal network to show the payment code. When the customer consumes in places with unstable networks such as underground supermarkets and airline planes, the problem that the payment code cannot be generated often occurs. The transaction was successfully completed. SUMMARY OF THE INVENTION [0004] The main purpose of the embodiments of the present invention is to provide an offline transaction method, device and system, so as to effectively improve the ...

Claims

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Application Information

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IPC IPC(8): G06Q30/06G06Q20/38G06Q20/40
CPCG06Q30/0637G06Q20/3829G06Q20/401
Inventor 吴晨霞谢莎莎王莹周嘉
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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