Payment method and system

Abstract

The invention provides a payment method and system. In the method, when a collection terminal is in an offline state, transaction information can be transmitted to a payment terminal under the condition that the collection terminal collects a payment code of the payment terminal, and collection information can be sent to a payment server when the collection terminal is online connected to the payment server. And after identifying the transaction information, the payment terminal can send payment information to the payment server, so that the payment server matches the collection information with the payment information.

Description

[0001] This application is a divisional application of the invention patent application with application number 202110884418.3, application date August 3, 2021, and invention name "Offline payment method and system". Technical Field

[0002] The present invention relates to the field of mobile payment technology, and in particular to a payment method and system. Background Art

[0003] With the popularity of offline mobile payment, more and more users choose to use payment terminals to scan code payment during shopping. In the prior art, the payer opens the payment code on the payment terminal, and the payee collects the payment code through the payment terminal. The payment terminal needs to send the payment code to the remote payment server online to complete the payment process. The payment cannot be completed in the scenario where the payment terminal is online but the payment terminal is offline and the payment terminal and the payment terminal are both offline. In the prior art, the scenarios where offline payment can be realized when the payment terminal is offline include code payment for buses and subways. This type of payment is limited by the network environment, and the payment results will be temporarily stored locally, and then unified online verification and settlement will be made after the network is unblocked. Therefore, the payer cannot receive the payment results in real time. However, this type of payment is only suitable for low-amount payment scenarios such as public transportation. Since the small denomination will not cause a large loss, the payer is not sensitive to the real-time nature of this payment. It is not applicable to large-amount consumption scenarios such as daily shopping malls.

[0004] Therefore, there is a need to provide a safer real-time offline payment method and system, which can still complete payment when the payment terminal is offline and can synchronously send payment information to the payment terminal in real time. Summary of the invention

[0005] This specification provides a more secure real-time offline payment method and system, which can still complete payment when the payment terminal is offline, and can synchronously send payment information to the payment terminal in real time.

[0006] In a first aspect, the present specification provides an offline payment method, which is applied to a payment terminal. When the payment terminal is in an offline state, the offline payment method includes: starting a payment function and obtaining a payment code of the payment terminal, wherein the payment code includes a payment account associated with the payment terminal; generating a corresponding target light signal based on transaction information and emitting it within a preset range, wherein the transaction information at least includes a transaction amount and a payment account; and determining that the payment terminal is online, sending payment information to a payment server, wherein the payment information includes the transaction information and the payment account, wherein when the payment terminal is within the preset range, the target light signal can be collected and the transaction information can be identified, and the payment terminal can send payment information to the payment server, wherein the payment information includes the transaction information and the payment account, and the payment server matches the payment information with the payment information, and after determining a match, transfers the transaction amount from the payment account to the payment account.

[0007] In some embodiments, the transaction information also includes transaction time, and the transaction time includes the time when the payment code was obtained.

[0008] In some embodiments, the transaction information also includes a transaction order identifier.

[0009] In some embodiments, generating a corresponding target light signal based on transaction information and emitting it within a preset range includes: acquiring the transaction information; encoding the transaction information based on a preset coding rule to generate the target light signal corresponding to the transaction information; and emitting the target light signal within the preset range through the optical transmission module of the payment terminal.

[0010] In some embodiments, the coding rules include encoding at least one of the number of times the target light signal is illuminated, the frequency of the light emission, the illumination of each light exposure, the color, and the duration of the light emission based on the content of the transaction information, and the coding rules are pre-stored in the payment terminal.

[0011] In some embodiments, sending the payment information to the payment server includes: identifying the payment account based on the payment code; and sending the transaction information and the payment account to the payment server.

[0012] In some embodiments, sending the payment information to the payment server includes: sending the transaction information and the payment code to the payment server.

[0013] In some embodiments, after generating a corresponding target light signal based on the transaction information and emitting it within a preset range, the offline payment method further includes: generating and displaying information that the offline payment is successful.

[0014] In some embodiments, the preset range includes an effective identification distance of the payment terminal. When the payment terminal is within the effective identification distance, the payment terminal is within the preset range of the payment terminal. When the payment terminal is outside the effective identification distance, the payment terminal is outside the preset range of the payment terminal.

[0015] In a second aspect, the present specification also provides an offline payment system, including a payment terminal, including a collection module, an optical transmission module, at least one storage medium and at least one processor, wherein the collection module is configured to collect the payment code of the payment terminal; the optical transmission module is located close to the collection module and is configured to emit a target light signal within a preset range, wherein the target light signal is generated based on transaction information, and the transaction information at least includes a transaction amount and a payment account; the at least one storage medium stores at least one instruction set for offline payment; and the at least one processor is communicatively connected to the collection module, the optical transmission module and the at least one storage medium, wherein when the offline payment system is running, the at least one processor reads the at least one instruction set and executes the offline payment method described in the first aspect of this specification according to the instructions of the at least one instruction set.

[0016] In some embodiments, the target light signal includes an infrared light signal, and the light transmitting module includes at least one infrared lamp.

[0017] In a third aspect, the present specification also provides an offline payment method, which is applied to a payment terminal, including: obtaining and displaying a payment code, wherein the payment code includes a payment account associated with the payment terminal, and the payment code can be collected by a payment receiving terminal; collecting a target light signal sent by the payment receiving terminal through an optical receiving module, wherein the target light signal is an light signal corresponding to the transaction information generated within a preset range of the payment receiving terminal based on the transaction information, and the transaction information at least includes a transaction amount and a payment receiving account; identifying the transaction information based on the target light signal; and when it is determined that the payment terminal is online, sending payment information to a payment server, wherein the payment information includes the transaction information and the payment account, wherein when the payment receiving terminal is online, it can send receipt information to the payment server, wherein the receipt information includes the transaction information and the payment account, and the payment server matches the receipt information with the payment information, and after determining a match, transfers the transaction amount from the payment account to the receipt account.

[0018] In some embodiments, the transaction information also includes transaction time, and the transaction time includes the time when the payment terminal obtains the payment code.

[0019] In some embodiments, the transaction information also includes a transaction order identifier.

[0020] In some embodiments, the target light signal is generated by the payment terminal encoding the transaction information based on a preset coding rule, and the coding rule is pre-stored in the payment terminal; identifying the transaction information based on the target light signal includes: decoding the target light signal based on the coding rule to obtain the transaction information.

[0021] In some embodiments, the encoding rule includes encoding at least one of the number of times the target light signal is illuminated, the frequency of the light illumination, the illumination of each illumination, the color, and the duration of the light illumination based on the content of the transaction information.

[0022] In some embodiments, after identifying the transaction information based on the target light signal, the offline payment method further includes: generating and displaying information indicating a successful offline payment.

[0023] In a fourth aspect, the present specification also provides an offline payment system, comprising a payment terminal, including an optical receiving module, at least one storage medium and at least one processor, wherein the optical receiving module is configured to receive an optical signal; the at least one storage medium stores at least one instruction set for offline payment; and the at least one processor is communicatively connected to the optical receiving module and the at least one storage medium, wherein when the offline payment system is running, the at least one processor reads the at least one instruction set and executes the offline payment method described in the third aspect of the present specification according to the instructions of the at least one instruction set, and the optical signal includes the target optical signal.

[0024] It can be seen from the above technical solutions that in the offline payment method and system provided in this specification, the payment terminal can start the payment function in response to the payment instruction, collect the payment code of the payment terminal, and when the payment terminal is in an offline state, the payment terminal can encode the transaction information into a target light signal and send it outward, so as to synchronously transmit the transaction information to the payment terminal in real time through the target light signal. When the payment terminal performs the action of scanning the code to pay, it can synchronously receive the target light signal in real time and identify the transaction information contained in the target light signal. When the payment terminal is online, the payment information containing the transaction information and the payment account can be sent to the payment server, and the payment terminal can send the payment information containing the identified transaction information and the payment account to the payment server. The payment server can match the payment information and the payment information, and when it is determined that the two match, transfer the transaction amount from the payment account to the payment account to complete the payment. The payment server can perform a two-way verification on the payment information and the payment information to improve the security of offline payment. The offline payment method and system provided in this specification can realize the real-time synchronous transmission of transaction information between the payment terminal and the payment terminal during offline payment by the payment terminal of the collection terminal through the target optical signal. In addition, the offline payment method and system provided in this specification can realize two-way verification of the payment terminal and the collection terminal to improve the security of offline payment. The transmission of transaction information adopts the method of optical signals, and does not require special communication protocols; and general payment terminals are equipped with optical receiving modules, so there is no need to upgrade the hardware of the payment terminal, which effectively reduces costs and has a higher penetration rate; and the offline payment process does not involve data collection, such as sound signal collection, image collection, etc., so user information will not be collected, and users do not have to worry about user privacy in the offline payment process, so user sensitivity can be effectively reduced.

[0025] Other features of the offline payment method and system provided in this specification will be partially listed in the following description. Based on the description, the contents introduced by the following figures and examples will be obvious to those of ordinary skill in the art. The creative aspects of the offline payment method and system provided in this specification can be fully explained by practicing or using the methods, devices and combinations described in the following detailed examples. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] In order to more clearly illustrate the technical solutions in the embodiments of this specification, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0027] Figure 1A schematic diagram of an offline payment system provided according to an embodiment of this specification is shown;

[0028] Figure 2 A hardware structure block diagram of a payment terminal provided according to an embodiment of this specification is shown;

[0029] Figure 3 A hardware structure block diagram of a payment terminal provided according to an embodiment of this specification is shown;

[0030] Figure 4 A flow chart of an offline payment method provided according to an embodiment of this specification is shown;

[0031] Figure 5 A flow chart of generating a target light signal according to an embodiment of the present specification is shown; and

[0032] Figure 6 A schematic diagram of a target optical signal provided according to an embodiment of this specification is shown. DETAILED DESCRIPTION

[0033] The following description provides specific application scenarios and requirements of this specification, with the purpose of enabling those skilled in the art to make and use the contents of this specification. Various local modifications to the disclosed embodiments will be apparent to those skilled in the art, and the general principles defined herein may be applied to other embodiments and applications without departing from the spirit and scope of this specification. Therefore, this specification is not limited to the embodiments shown, but to the widest scope consistent with the claims.

[0034] The terms used herein are only used for the purpose of describing specific example embodiments and are not restrictive. For example, unless the context clearly indicates otherwise, as used herein, the singular forms "a", "an" and "the" may also include plural forms. When used in this specification, the terms "include", "comprise" and / or "contain" mean that the associated integers, steps, operations, elements and / or components exist, but do not exclude the existence of one or more other features, integers, steps, operations, elements, components and / or groups or that other features, integers, steps, operations, elements, components and / or groups may be added in the system / method.

[0035] In view of the following description, these and other features of the present specification, as well as the operation and function of the related elements of the structure, and the economy of the combination and manufacture of the parts can be significantly improved. Reference is made to the accompanying drawings, all of which form a part of this specification. However, it should be clearly understood that the drawings are for illustration and description purposes only and are not intended to limit the scope of this specification. It should also be understood that the drawings are not drawn to scale.

[0036] The flowcharts used in this specification illustrate the operations implemented by the system according to some embodiments in this specification. It should be clearly understood that the operations of the flowcharts may not be implemented in sequence. On the contrary, the operations may be implemented in reverse order or simultaneously. In addition, one or more other operations may be added to the flowchart. One or more operations may be removed from the flowchart.

[0037] The offline payment method and system of this specification can be applied to any mobile payment field, including but not limited to mobile payment of shopping POS machines in shopping malls, mobile payment of self-service payment devices, mobile payment of public transportation systems, etc. The offline payment method and system of this specification can be applied to passive code scanning payment, that is, the payee presents the payment code through the payment terminal, and the payment terminal of the payee scans and identifies the payment code to complete the payment. The offline payment method and system provided in this specification can transmit transaction information to the payment terminal in real time through the encoded optical signal, and the payment terminal identifies the transaction information and saves it according to the received optical signal, thereby realizing the real-time synchronous transmission of transaction information between the payment terminal and the payment terminal. The "payment terminal", "user terminal", "mobile terminal", "user", "payer", etc. described in this specification are interchangeable, referring to the party that needs to pay, which can be an individual or a tool. The "collection terminal", "merchant terminal", "collection device", "merchant", "payer", etc. described in this specification are interchangeable, referring to the party that needs to receive payment, which can be an individual or a tool. It should be noted that the application scenarios of the offline payment method and system provided in this specification are merely some examples or embodiments of this specification. For ordinary technicians in this field, the technical solutions of this specification can also be applied to other similar scenarios without creative work, for example, other similar QR code scanning payment systems.

[0038] Figure 1 A schematic diagram of an offline payment system 001 provided according to an embodiment of the present specification is shown. The offline payment system 001 (hereinafter referred to as system 001) may include a payment terminal 100 and a payment terminal 200. In some embodiments, the system 001 may also include a payment server 300 and a network 400.

[0039] The payment terminal 200 may be a payment device for the payer to make a mobile payment. The payment terminal 200 may store data or instructions for executing the offline payment method described in this specification, and may execute or be used to execute the data and / or instructions. The payment terminal 200 may be an intelligent terminal device carrying various applications (APPs). The APPs include but are not limited to: payment APP programs, chat APP programs, shopping APP programs, video APP programs, financial management APP programs, and the like. A target APP may be installed in the payment terminal 200. The target APP may be a payment APP. The target APP may generate a payment code 210 and display it on the display screen of the payment terminal 200. The payment code 210 may include a payment account 320 associated with the payment terminal 200. The payment code 210 may be a QR code or a bar code. In a mobile payment scenario, the payment code 210 may be a payment code. In a public transportation code scanning authentication scenario, the payment code 210 may be a ride code. In some embodiments, the payment terminal 200 may be a mobile device, such as a smart phone, a tablet computer, a laptop computer, etc., or a smart wearable device, such as a smart bracelet, a smart watch, a smart helmet, smart glasses, etc. In some embodiments, the payment terminal 200 may also be a smart device with a positioning function.

[0040] The payment terminal 100 may be a payment device for the payee to implement mobile payment. The payment terminal 100 may store data or instructions for executing the offline payment method described in this specification, and may execute or be used to execute the data and / or instructions. The payment terminal 100 and the payment terminal 200 may perform a target transaction. The target transaction may include a service transaction. The service transaction may include, but is not limited to, taking a bus, taking a subway, taking an airplane, taking a train, catering services, and hotel services. The target transaction may include a commodity transaction. The commodity may include tangible commodities and intangible commodities. As an example, the tangible commodities may include, but are not limited to, home appliances and books; the intangible commodities may include, but are not limited to, stocks and options. The payment terminal 100 may collect the payment code 210 in the payment terminal 200 and identify the payment code 210, read the information in the payment code 210, and complete the payment operation. In some embodiments, the payment terminal 100 may be a scanner, a barcode reader, a mobile phone, a tablet computer, a PC (Personal Computer), a notebook, a server, and other devices. In the field of public transportation, the payment terminal 100 can also be a QR code scanning device for boarding, such as the QR code scanning gates at the entrance and exit of a subway, and the QR code scanning payment machine at the entrance of a bus.

[0041] The payment server 300 can provide a solution for the payment of the target transaction for the payer and the payment terminal 100. The payment server 300 can be a third-party payment server 300. Multiple accounts can be stored in the payment server 300. The multiple accounts include a payment account 320 corresponding to the payer. The payment server 300 can also store a payment account 310 corresponding to the payment terminal 100. A payment agreement can be established in advance between the payment terminal 100 and the payment server 300. The payment server 300 can help the payment terminal 100 charge the payer based on the payment agreement through a digital resource transmission channel. For example, the payment server 300 can extract the target number of transaction amounts from the payment account 320 corresponding to the payer through the digital resource transmission channel and transfer it to the payment account 310 of the payment terminal 100.

[0042] Network 400 can facilitate the exchange of information or data. Figure 1 As shown, the payment terminal 100, the payment terminal 200, and the payment server 300 can be connected to the network 400, and transmit information or data to each other through the network 400. In some embodiments, the network 400 can be any type of wired or wireless network, or a combination thereof. For example, the network 400 can include a cable network, a wired network, an optical fiber network, a telecommunications network, an intranet, the Internet, a local area network (LAN), a wide area network (WAN), a wireless local area network (WLAN), a metropolitan area network (MAN), a wide area network (WAN), a public switched telephone network (PSTN), a Bluetooth network, a ZigBee network, a near field communication (NFC) network, or a similar network.

[0043] Figure 2 The hardware structure block diagram of a payment terminal 100 provided according to an embodiment of this specification is shown. The payment terminal 100 can execute the offline payment method described in this specification. The offline payment method is introduced in other parts of this specification. For example, Figure 4 The offline payment method P100 is introduced in the description of Figure 1 and Figure 2 As shown, the payment terminal 100 may include a collection module 110 , a transmission module 120 , a storage medium 140 and at least one processor 150 . In some embodiments, the payment terminal 100 may further include a communication module 170 and an internal communication bus 180 .

[0044] The acquisition module 110 may be configured to acquire the payment code 210 of the payment terminal 200. The acquisition module 110 may be a camera device disposed on the payment terminal 100. The camera device may be a camera, a video camera, a camera, etc., to acquire image data within a preset range. The payment code 210 is acquired. The acquisition module 110 and the payment code 210 may interact based on a light beam. The acquisition module 110 may include a scanning window. The scanning window may be a transparent scanning area. The camera device may be located in the payment terminal 100, and scans the payment code 210 through the scanning window.

[0045] The optical transmission module 120 can be installed at a position close to the collection module 110. The optical transmission module 120 can be configured to transmit a target optical signal 122 within a preset range. The target optical signal 122 can be an optical signal in any form. In some embodiments, the target optical signal 122 can be an invisible optical signal, such as an infrared optical signal, a near-infrared optical signal, and the like. In some embodiments, the target optical signal 122 is a visible optical signal, such as white light, red light, blue light, and the like. For the convenience of demonstration, in the following description, we will take the target optical signal 122 as an infrared optical signal as an example. When the target optical signal 122 is an infrared optical signal, the optical transmission module 120 may include at least one infrared lamp. The infrared lamps on the optical transmission module 120 may be selected from infrared lamps of different wavelengths, commonly 850nm and 940nm, which can cover the proximity optical sensor types of different mobile phones.

[0046] The target light signal 122 corresponds to the transaction information. The target light signal 122 may include the transaction information. Different target light signals 122 carry different transaction information. The transaction information includes at least a transaction amount and a payment account. In some embodiments, the transaction information may also include a transaction time. The transaction time may be the time when the acquisition module 110 acquires the payment code 210. In some embodiments, the transaction information may also include a transaction order identifier. The transaction order identifier may be the order number of the target transaction. In some embodiments, the transaction information may also include information about the subject matter of the transaction. In the transaction information, different types of transaction information may be separated by separators. Different types of transaction information may be represented by different codes. For example, "A" may be used to represent the transaction amount, "B" may be used to represent the payment account, "C" may be used to represent the transaction time, "D" may be used to represent the transaction order identifier, "E" may be used to represent the transaction subject matter, and so on. The payment terminal 100 may start the payment function based on the payment instruction. The payment instruction may include the transaction amount, payment account, transaction order identifier, transaction subject matter, and other transaction information.

[0047] The optical transmitter module 120 can be installed at a preset position of the collection module 110. The distance between the optical transmitter module 120 and the collection module 110 can be within a preset distance, so that the target optical signal 122 is located within a preset range of the collection module 110. When the payment terminal 200 is within the effective identification distance of the payment terminal 100, the payment terminal 200 can be within the preset range, and the payment terminal 200 can receive the target optical signal 122; when the payment terminal 200 is outside the effective identification distance of the payment terminal 100 or the difference between the distance between the payment terminal 200 and the payment terminal 100 and the effective identification distance exceeds a preset threshold, the payment terminal 200 is outside the preset range, and the payment terminal 200 cannot receive the target optical signal 122. The payment terminal 100 can set or adjust the preset range, and can also set or adjust the preset range by controlling the parameters of the optical transmitter module 120. The preset range can be manually set or changed.

[0048] The internal communication bus 180 can connect different system components, including the storage medium 140 , the processor 150 , the communication module 170 , the acquisition module 110 , and the optical transmission module 120 .

[0049] The storage medium 140 may include a data storage device. The data storage device may be a non-temporary storage medium or a temporary storage medium. For example, the data storage device may include one or more of a disk, a read-only storage medium (ROM), or a random access storage medium (RAM). The storage medium 140 also includes at least one instruction set stored in the data storage device. The instruction is a computer program code, and the computer program code may include a program, a routine, an object, a component, a data structure, a process, a module, etc. for executing the offline payment method P100 provided in this specification.

[0050] At least one processor 150 can be connected to at least one storage medium 140, the acquisition module 110, the optical emission module 120 and the communication module 170 through an internal communication bus 180. At least one processor 150 is used to execute the at least one instruction set mentioned above. When the payment terminal 100 is running, at least one processor 150 reads the at least one instruction set, and executes the offline payment method P100 provided in this specification according to the instructions of the at least one instruction set, so as to control the optical emission module 120 to emit the target optical signal 122 corresponding to the transaction information within the preset range based on the transaction information. The processor 150 can execute all the steps included in the offline payment method P100. The processor 150 may be in the form of one or more processors. In some embodiments, the processor 150 may include one or more hardware processors, such as a microcontroller (MCU), a microprocessor, a reduced instruction set computer (RISC), an application-specific integrated circuit (ASIC), an application-specific instruction set processor (ASIP), a central processing unit (CPU), a graphics processing unit (GPU), a physical processing unit (PPU), a microcontroller unit, a digital signal processor (DSP), a field programmable gate array (FPGA), an advanced RISC machine (ARM), a programmable logic device (PLD), any circuit or processor capable of performing one or more functions, etc., or any combination thereof. For the sake of illustration only, only one processor 150 is described in the payment terminal 100 in this specification. However, it should be noted that the payment terminal 100 in this specification may also include multiple processors 150, and therefore, the operations and / or method steps disclosed in this specification may be performed by one processor 150 as described in this specification, or may be performed jointly by multiple processors 150. For example, if in this specification the processor 150 of the payment terminal 100 executes step A and step B, it should be understood that step A and step B may also be executed jointly or separately by two different processors 150 (for example, the first processor executes step A, the second processor executes step B, or the first and second processors execute steps A and B together).

[0051] The communication module 170 can be connected to the network 400 so that the payment terminal 100 can communicate data with the outside world. For example, the payment terminal 100 can transmit data with the payment server 300 through the communication module 170. The connection can be a wired connection, a wireless connection, or a combination of the two. The wired connection may include a cable, an optical cable, or a telephone line, etc., or any combination thereof. The wireless connection may include Bluetooth, Wi-Fi, WiMax, WLAN, ZigBee, a mobile network (e.g., 3G, 4G, or 5G, etc.), etc., or any combination thereof. In some embodiments, when the payment terminal 100 is in an online state, that is, when the communication module 170 is connected to the network 400, the information in the acquired payment code 210 can be uploaded to the payment server 300 in real time through the network 400. In some embodiments, when the payment terminal 100 is in an offline state, that is, when the communication module 170 is not connected to the network 400, the information in the acquired payment code 210 can be pre-stored on the local storage medium 140, and when it is in an online state, the information in the stored payment code 210 can be uploaded to the payment server 300.

[0052] In some embodiments, the payment terminal 100 may further include a radio frequency sensing unit, an NFC communication unit, etc. or any combination thereof.

[0053] Figure 3 The hardware structure block diagram of a payment terminal 200 provided according to an embodiment of this specification is shown. The payment terminal 200 can execute the offline payment method described in this specification. The offline payment method is introduced in other parts of this specification. For example, Figure 4 The offline payment method P100 is introduced in the description of Figure 1 and Figure 3 As shown, the payment terminal 200 may include a display device 230, an optical receiving module 220, at least one storage medium 240, and at least one processor 250. In some embodiments, the payment terminal 200 may further include a communication module 270 and an internal communication bus 280.

[0054] The display device 230 may be an interface for human-computer interaction between the payment terminal 200 and the payer. The payment terminal 200 may display the payment code 210 through the display device.

[0055] The light receiving module 220 may be configured to receive a light signal. The light signal may include the target light signal 122. When the target light signal 122 includes an infrared light signal, the light receiving module 220 may include an infrared light receiving module. In some embodiments, the light receiving module 220 may be a photoelectric sensor. In some embodiments, when the payment terminal 200 is a smart phone or a tablet computer, the light receiving module 220 may also be a camera on the payment terminal 200, and so on. The light receiving module 220 may be any device that can receive a light signal and convert the light signal into an electrical signal, and this specification does not limit this. In some embodiments, the light receiving module 220 may be a proximity light sensor. The receiving angle of a proximity light sensor is generally taken as its receiving angle in an angle range where the received energy intensity is more than 50%.

[0056] The internal communication bus 280 can connect various system components, including the storage medium 240 , the processor 250 , the communication module 270 , the display device 230 , and the optical receiving module 220 .

[0057] The storage medium 240 may include a data storage device. The storage medium 240 also includes at least one instruction set stored in the data storage device. The instruction is a computer program code, and the computer program code may include a program, routine, object, component, data structure, process, module, etc. for executing the offline payment method P100 provided in this specification.

[0058] At least one processor 250 can be connected to at least one storage medium 240, display module 210, optical receiving module 220 and communication module 270 through internal communication bus 280. At least one processor 250 is used to execute the at least one instruction set. When the payment terminal 200 is running, at least one processor 250 reads the at least one instruction set, and executes the offline payment method P100 provided in this specification according to the instructions of the at least one instruction set, controls the optical receiving module 220 to receive the target optical signal 122 generated by the payment terminal 100, and identifies the transaction information carried in the target optical signal 122.

[0059] The communication module 270 can be connected to the network 400 so that the payment terminal 100 can communicate data with the outside world. For example, the payment terminal 200 can transmit data with the payment server 300 through the communication module 270. In some embodiments, when the payment terminal 200 is in an online state, that is, when the communication module 270 is connected to the network 400, the transaction information can be obtained from the payment server 300 in real time through the network 400. In some embodiments, when the payment terminal 100 is in an offline state, that is, when the communication module 170 is not connected to the network 400, the transaction information can be identified from the target light signal 122 sent by the payment terminal 100, and pre-stored in the local storage medium 240, and when it is in an online state, the stored transaction information and the associated payment account are uploaded to the payment server 300.

[0060] The optical transmission module 120 generates the target optical signal 122 within the preset range of the payment terminal 100, so that the payment terminal 200 can receive the target optical signal 122 only when it is close to the payment terminal 100, such as when scanning a code; when the payment terminal 200 is not close to the payment terminal 100, that is, when no scanning action is performed, the distance between the payment terminal 200 and the payment terminal 100 is large, and the payment terminal 200 is outside the preset range and cannot receive the transaction information carried in the target optical signal 122. Therefore, the optical transmission module 120 generates the target optical signal 122 within the preset range of the payment terminal 100, which can ensure that the transaction information carried in the target optical signal 122 received by the payment terminal 200 is the transaction information generated for the payment terminal 220, rather than the transaction information for other payment terminals, thereby improving the accuracy and reliability of data recognition, avoiding the payment terminal 200 from receiving transaction information from other devices when there is no payment demand, and avoiding the transaction information of the payment terminal 200 from being received by other devices, resulting in information leakage, thereby improving user experience while ensuring security.

[0061] Figure 4 A flowchart of an offline payment method P100 provided according to an embodiment of the present specification is shown. The payment terminal 100 and the payment terminal 200 can execute the offline payment method P100. The offline payment method P100 can be applied to a scenario where the payment terminal 100 is offline. In some embodiments, the payment server 300 can also execute the offline payment method P100. The method P100 may include:

[0062] S110 : The payment terminal 200 obtains and displays the payment code 210 .

[0063] The payment code 210 may include a payment account 320 associated with the payment terminal 200. The payment code 210 is a coding pattern generated by the payment account 320 according to a preset pattern coding rule. The payment terminal 200 may pre-store an image coding rule corresponding to the payment code 210 and the payment account 320. The payment terminal 200 may control the display device 230 to display the payment code 210.

[0064] S120 : The payment terminal 100 starts the payment function and obtains the payment code 210 of the payment terminal 200 .

[0065] The payment terminal 100 may start the payment function based on the payment instruction to control the collection module 110 to collect the payment code 210. At this time, the payer may bring the payment terminal 200 close to the payment terminal 100 so that the payment terminal 200 may be within the preset range of the payment terminal 100. The payment terminal 100 may pre-store image coding rules corresponding to the payment code 210 and the payment account 320. In some embodiments, after obtaining the payment code 210, the payment terminal 100 may identify the payment account 320 from the payment code 210 based on the pattern coding rules, and save the payment account 320 in the payment terminal 100. In some embodiments, after obtaining the payment code 210, the payment terminal 100 may directly save the payment code 210 in the payment terminal 100.

[0066] S130: The payment terminal 100 generates a corresponding target light signal 122 based on the transaction information and transmits it within a preset range.

[0067] In some embodiments, the payment terminal 100 may directly start executing step S130 after collecting the payment code 210. In some embodiments, in order to improve security and ensure the authenticity and validity of the payment code 210, the payment terminal 100 may identify the payment account 320 from the payment code 210 after collecting the payment code 210; then the payment terminal 100 verifies the validity of the payment account 320 to verify whether the payment account 320 is a valid payment account. When the payment account 320 is confirmed to be a valid account, step S130 is executed again. For example, the basic features of a valid payment account may be pre-stored in the payment terminal 100, such as account structure composition, account identification, etc. The payment terminal 100 may match the payment account 320 with the pre-stored basic features to verify whether the payment account 320 is a valid payment account.

[0068] Figure 5 A flowchart of generating a target light signal 122 according to an embodiment of the present specification is shown. Figure 5 Corresponding to step S130. Figure 5 As shown, step S130 may include:

[0069] S132: The payment terminal 100 obtains the transaction information.

[0070] As mentioned above, the payment instruction may include the transaction amount, payment account, transaction order identifier, transaction subject matter, and other transaction information. The payment terminal 100 can obtain the transaction information from the payment instruction. When the transaction information includes the transaction time, the payment terminal 100 can obtain the time of collecting the payment code 210 from the collection module 110 and use it as the transaction time.

[0071] S134: The payment terminal 100 encodes the transaction information based on a preset encoding rule, and generates the target optical signal 122 corresponding to the transaction information.

[0072] The payment terminal 100 may encode the transaction information based on a preset encoding rule to generate the target light signal 122. The encoding rule may include encoding at least one of the number of light emission, light emission frequency, illumination of each light emission, color, and duration of the target light signal 122 based on the content of the transaction information. The encoding rule may be pre-stored in the payment terminal 100. The encoding rule may be a coding comparison table. The transaction information may be a string of characters, in which the characters may be letters or numbers. The coding comparison table may include a correspondence between characters or strings and coding methods. The payment terminal 100 may obtain the coding method corresponding to each character in the transaction information according to the coding comparison table, thereby obtaining the coding method corresponding to the transaction information.

[0073] Figure 6 FIG. 1 is a schematic diagram of a target optical signal 122 provided according to an embodiment of the present specification. Figure 6 As shown, the horizontal axis is time t, and the vertical axis is illuminance Lux. Figure 6 In the target light signal 122 shown, the encoding content of the encoding method is that the light is emitted twice, the duration of the first light emission is 1 second, the duration of the second light emission is 2 seconds, the time interval between the two adjacent light emission is 1 second, the illuminance value of the first light emission is x, and the illuminance value of the second light emission is y. Then the target light signal 122 generated by this encoding method is: continuously bright for 1 second at the illuminance value x, dim for 1 second, and continuously bright for 2 seconds at the illuminance value y.

[0074] The payment terminal 100 can use different encoding methods to encode transaction information, such as non-return to zero encoding (NRZ), Manchester encoding, differential Manchester encoding, etc. The encoding method can be selected according to actual needs, and the encoding scheme with the best or better robustness can be selected, which will not be described in detail in this specification.

[0075] S136: The payment terminal 100 transmits the target optical signal 122 to the preset range through the optical transmission module 120 of the payment terminal 100.

[0076] The payment terminal 100 can control the optical transmission module 120 to transmit the target optical signal 122 within the preset range in a coded manner.

[0077] It should be noted that for each transaction information, the payment terminal 100 generates the target light signal 122 only within a preset time length. In some embodiments, the preset time length can be an arbitrarily set time length. The preset time length can be set or changed. After exceeding the preset time length, the target light signal 122 disappears. In some embodiments, the preset time length can be a time period from the generation of the payment code 210 to the payment terminal 200 leaving the payment terminal 100. In some embodiments, the preset time length can be a preset time window after the payment code 210 is generated, obtained and recognized. In some embodiments, the preset time length can be a time period from the start of the generation of the target light signal 122 to the end of the target light signal 122.

[0078] like Figure 4 As shown, the method P100 may further include:

[0079] S140: The payment terminal 100 generates and displays information indicating successful offline payment.

[0080] In some embodiments, after the payment terminal 100 completes sending the target light signal 122, the payment terminal 100 may generate and display information about successful offline payment. In some embodiments, the payment terminal 100 may broadcast information about successful offline payment. The broadcast may be a public non-directional broadcast. The information about successful offline payment may include a public non-directional sound prompt signal. The sound prompt signal may include voice data and / or a signal tone. For example, after the sending is completed, a voice signal of "successful payment" or "successful code scanning" may be broadcast externally, or a signal tone representing successful payment may be broadcast externally, such as a signal tone of Didi. The payment terminal 100 may prompt the payee that the payment is successful and the transaction is completed through the information about successful offline payment, thereby avoiding the payee from waiting. At the same time, the information about successful offline payment may indicate that the target light signal 122 has been completely sent, and the payee may move the payment terminal 200 away from the payment terminal 100. If the payment terminal 200 leaves the payment terminal 100 before the target light signal 122 is completely sent, the payment terminal 200 will not be able to receive all the target light signals 122, which may result in incomplete information transmission and further payment failure. Therefore, only when the payment terminal 100 displays the offline payment success information, the payer can move the payment terminal 200 away from the payment terminal 100. In some embodiments, the payment terminal 100 can display the offline payment success information on the display device. At this time, the offline payment success information can include the payment account 320, the transaction information and the payment success information.

[0081] When the payment terminal 100 is in an offline state, after the payment terminal 100 collects and successfully identifies the payment account 320, the payment terminal 100 can transmit the transaction information to the payment terminal 200 through the target light signal 122. At this time, the payment terminal 100 is in an offline state, and the transaction information and the payment account 320 can be temporarily stored in the payment terminal 100. When the payment terminal 100 is connected to the payment server 300 online, the transaction information and the payment account 320 are sent to the payment server 300.

[0082] like Figure 4 As shown, the method P100 may further include:

[0083] S150 : The payment terminal 200 collects the target optical signal 122 sent by the payment terminal 100 through the optical receiving module 220 .

[0084] At this time, the payment terminal 200 is within the preset range of the payment terminal 100 until the payment terminal 200 receives all the target light signals 122 .

[0085] S160 : The payment terminal 200 identifies the transaction information based on the target optical signal 122 .

[0086] As mentioned above, the target optical signal 122 is an optical signal generated based on the transaction information encoding. The encoding rule may be pre-stored in the payment terminal 200. Step S170 may be that the payment terminal 200 decodes the target optical signal 122 based on the encoding rule to obtain the transaction information. The decoding process corresponds to the encoding process, which will not be repeated here.

[0087] like Figure 4 As shown, the method P100 may further include:

[0088] S170: The payment terminal 200 generates and displays information indicating successful offline payment.

[0089] In some embodiments, after the payment terminal 200 identifies the transaction information, the payment terminal 200 can generate and display offline payment success information to prompt the payee that the payment is successful and the transaction is completed, so as to avoid the payee waiting. The payment terminal 200 can pre-store the basic structural features of the transaction information to verify whether the identified transaction information is valid and complete. The basic structural features may include the composition category of the string of the transaction information, the number of strings in each category, and the like. When the payment terminal 200 verifies that the identified transaction information meets the basic structural features, it proves that the payment terminal 200 has received the complete target light signal 122 and identified the complete and valid transaction information, indicating that the offline payment is successful. At this time, the payment terminal 200 can generate and display offline payment success information to prompt the payee that the payment is successful and the transaction is completed. At the same time, the offline payment success information can prompt the payee that the payment terminal 200 has received the complete target light signal 122, and the payee can move the payment terminal 200 away from the payment terminal 100. If the payment terminal 200 leaves the payment terminal 100 before the target optical signal 122 is completely sent, the payment terminal 200 will not be able to receive all the target optical signals 122, which may result in incomplete information transmission and further payment failure.

[0090] In some embodiments, the payment terminal 200 may broadcast the information of offline payment success. The broadcast may be a public non-directional broadcast. The information of offline payment success may include a public non-directional sound prompt signal. The sound prompt signal may include voice data and / or a signal tone. For example, the payment terminal 200 may broadcast a voice signal of "Payment Successful" or "Scan Code Successful", or may broadcast a signal tone representing payment success, such as a Didi signal tone.

[0091] In some embodiments, the offline payment success information may be displayed on the display device 230 of the payment terminal 200. At this time, the offline payment success information may include the transaction information and the payment success information.

[0092] When the payment terminal 200 is offline, after successfully identifying the transaction information, the payment terminal 200 can temporarily store the transaction information in the payment terminal 200. When the payment terminal 200 is connected to the payment server 300 online, the transaction information and the payment account 320 are sent to the payment server 300.

[0093] like Figure 4 As shown, the method P100 may further include:

[0094] S180: When the payment terminal 100 is determined to be online, it sends payment information to the payment server 300.

[0095] The payment information may include the transaction information and the payment account 320 .

[0096] In some embodiments, step S180 may be: the payment terminal 100 identifies the payment account 320 based on the payment code 210; the payment terminal 100 sends the transaction information and the payment account 320 to the payment server 300. In some embodiments, step S180 may be: the payment terminal 100 directly sends the transaction information and the payment code 210 to the payment server 300. The payment server 300 may identify the payment account 320 from the payment code 210.

[0097] like Figure 4 As shown, the method P100 may further include:

[0098] S190: When the payment terminal 200 is determined to be online, it sends payment information to the payment server 300.

[0099] The payment information may include the transaction information and the payment account 320 .

[0100] S200: The payment server 300 matches the payment information with the payment information, and after confirming a match, transfers the transaction amount from the payment account 320 to the payment account 310.

[0101] The payment server 300 can check the payment information and the payment information to perform a two-way verification on the transaction information in the payment terminal 200 and the payment terminal 100, thereby improving the security of offline payment. Only when the two match, the transaction amount is transferred from the payment account 320 to the payment account 310 to complete the transaction.

[0102] In summary, in the offline payment method P100 and system 001 provided in this specification, the payment terminal 100 can start the payment function in response to the payment instruction and collect the payment code 210 of the payment terminal 200. When the payment terminal 100 is in an offline state, the payment terminal 100 can encode the transaction information into a target light signal 122 and send it outward, so as to synchronously transmit the transaction information to the payment terminal 200 in real time through the target light signal 122. When the payment terminal 200 performs the action of scanning the code to pay, it can synchronously receive the target light signal 122 in real time and identify the transaction information contained in the target light signal 122. When the payment terminal 100 is online, the payment information containing the transaction information and the payment account 320 can be sent to the payment server 300. The payment terminal 200 can send the payment information containing the identified transaction information and the payment account 320 to the payment server 300. The payment server 300 can match the collection information with the payment information, and when it is determined that the two match, transfer the transaction amount from the payment account 320 to the collection account 310 to complete the payment. The payment server 300 can perform a two-way verification on the payment information and the collection information to improve the security of offline payment. In the offline payment method P100 and system 001 provided in this specification, the collection terminal 100 can synchronously transmit the transaction information to the payment terminal 200 in real time through the target light signal 122, so as to realize the real-time synchronous transmission of the transaction information between the payment terminal 200 and the collection terminal 100 during offline payment. In addition, the offline payment method P100 and system 001 provided in this specification can realize a two-way verification of the payment terminal 200 and the collection terminal 100 to improve the security of offline payment. Transaction information is transmitted in the form of optical signals, and no special communication protocol is required. In addition, general payment terminals 200 are equipped with optical receiving modules 220, so there is no need to upgrade the hardware of the payment terminal 200, which effectively reduces costs and has a higher penetration rate. In addition, the offline payment process does not involve data collection, such as sound signal collection, image collection, etc., so user information will not be collected, and users do not have to worry about user privacy in the offline payment process, so user sensitivity can be effectively reduced.

[0103] On the other hand, the present specification provides a non-transitory storage medium storing at least one set of executable instructions for offline payment. When the executable instructions are executed by a processor, the executable instructions instruct the processor to implement the steps of the offline payment method P100 described in the present specification. In some possible implementations, various aspects of the present specification can also be implemented in the form of a program product, which includes a program code. When the program product is run on a computing device, the program code is used to enable the computing device to execute the steps of the offline payment method P100 described in the present specification. The program product for implementing the above method can use a portable compact disk read-only memory (CD-ROM) to include program code and can be run on a computing device. However, the program product of the present specification is not limited to this. In the present specification, the readable storage medium can be any tangible medium containing or storing a program, which can be used by or in combination with an instruction execution system. The program product can use any combination of one or more readable media. The readable medium can be a readable signal medium or a readable storage medium. The readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of readable storage media include: an electrical connection with one or more conductors, a portable disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. The computer-readable storage medium may include a data signal propagated in a baseband or as part of a carrier wave, wherein a readable program code is carried. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The readable storage medium may also be any readable medium other than a readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, device, or device. The program code contained on the readable storage medium may be transmitted using any suitable medium, including but not limited to wireless, wired, optical cable, RF, etc., or any suitable combination of the above. Program code for performing the operations of the present specification may be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java, C++, etc., and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the computing device, partially on the computing device, as a stand-alone software package, partially on the computing device and partially on a remote computing device, or entirely on the remote computing device.

[0104] The above is a description of a specific embodiment of the present specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require a specific order or a continuous order to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0105] In summary, after reading this detailed disclosure, those skilled in the art will appreciate that the foregoing detailed disclosure may be presented only by way of example and may not be limiting. Although not explicitly stated herein, those skilled in the art will appreciate that this specification requires various reasonable changes, improvements and modifications to the embodiments. These changes, improvements and modifications are intended to be proposed by this specification and are within the spirit and scope of the exemplary embodiments of this specification.

[0106] In addition, certain terms in this specification have been used to describe embodiments of this specification. For example, "one embodiment", "an embodiment" and / or "some embodiments" mean that a particular feature, structure or characteristic described in conjunction with the embodiment may be included in at least one embodiment of this specification. Therefore, it can be emphasized and should be understood that two or more references to "an embodiment" or "one embodiment" or "an alternative embodiment" in various parts of this specification do not necessarily refer to the same embodiment. In addition, specific features, structures or characteristics may be appropriately combined in one or more embodiments of this specification.

[0107] It should be understood that in the foregoing description of the embodiments of this specification, in order to help understand a feature and for the purpose of simplifying this specification, this specification combines various features in a single embodiment, figure or its description. However, this does not mean that the combination of these features is necessary. When reading this specification, it is entirely possible for a person skilled in the art to mark out some of the devices as separate embodiments. In other words, the embodiments in this specification can also be understood as the integration of multiple secondary embodiments. This is also true when the content of each secondary embodiment is less than all the features of a single aforementioned disclosed embodiment.

[0108] Each patent, patent application, patent application publication, and other materials, such as articles, books, specifications, publications, documents, articles, etc., cited herein may be incorporated herein by reference in its entirety for all purposes, except for any prosecution document history related thereto, any equivalent that may be inconsistent or conflicting with this document, or any equivalent prosecution document history that may have a limiting effect on the broadest scope of the claims now or later associated with this document. For example, if there is any inconsistency or conflict between the description, definition, and / or use of a term associated with any of the incorporated materials and the term, description, definition, and / or use associated with this document, the term in this document shall control.

[0109] Finally, it should be understood that the embodiments of the application disclosed herein are explanations of the principles of the embodiments of this specification. Other modified embodiments are also within the scope of this specification. Therefore, the embodiments disclosed in this specification are only used as examples and not as limitations. Those skilled in the art can adopt alternative configurations according to the embodiments in this specification to implement the applications in this specification. Therefore, the embodiments of this specification are not limited to the embodiments accurately described in the application.

Claims

1. A payment method, applied to a payment terminal, comprising: When the payment terminal is in an offline state, transmitting transaction information to the payment terminal, the transaction information is sent by the payment terminal when the payment terminal collects the payment code of the payment terminal; as well as When the payment terminal is connected to the payment server online, the payment information is sent to the payment server. After the payment terminal identifies the transaction information, the payment terminal can send the payment information to the payment server, so that the payment server matches the payment information with the payment information.

2. The method of claim 1, wherein: The transaction information at least includes the transaction amount and the receiving account.

3. The method of claim 2, wherein: The transaction information also includes transaction time or transaction order identification, and the transaction time includes the time when the payment code is obtained.

4. The method of claim 1, wherein: The transmitting of transaction information to the payment terminal comprises: A corresponding target signal is generated based on the transaction information and transmitted within a preset range, so that the payment terminal within the preset range receives the target signal and further transmits the transaction information.

5. The method of claim 4, wherein: The generating of a corresponding target signal based on the transaction information and transmitting the target signal within a preset range includes: Obtaining the transaction information; Encoding the transaction information based on a preset encoding rule to generate the target signal corresponding to the transaction information; and The target signal is transmitted to the preset range through the transmitting module of the payment terminal.

6. The method of claim 4, wherein: The target signal includes a target light signal, and the coding rule includes encoding at least one of the number of times the target light signal is illuminated, the frequency of the light emission, the illumination of each light exposure, the color, and the duration of the light emission based on the content of the transaction information. The coding rule is pre-stored in the payment terminal.

7. The method of claim 1, wherein: The payment terminal generates the target signal within a preset time period, where the preset time period includes a time period from when the payment terminal obtains the payment code to when the payment terminal leaves the payment terminal.

8. The method of claim 1, wherein: The sending of payment information to the payment server includes: identifying a payment account based on the payment code; and The transaction information and the payment account are sent to the payment server.

9. The method of claim 1, wherein: The sending the payment information to the payment server comprises: The transaction information and the payment code are sent to the payment server.

10. The method of claim 1, wherein: Also includes: The payment collection function is started and the payment code of the payment terminal is collected when the payment terminal is within a preset range, wherein the payment code includes a payment account associated with the payment terminal.

11. The method of claim 1, wherein: Also includes: When the payment server determines that the payment information matches the payment information, The transaction amount is transferred from the payment account to the payment receiving account.

12. The method of claim 1, wherein: After transmitting the transaction information to the payment terminal, the method further includes: Generate and display information about successful offline payment.

13. The method of claim 1, wherein: The preset range includes the effective identification distance of the payment terminal. When the payment terminal is within the effective identification distance, the payment terminal is within the preset range of the payment terminal. When the payment terminal is outside the effective identification distance, the payment terminal is outside the preset range of the payment terminal.

14. A payment system, comprising a payment terminal, comprising: A collection module, configured to collect a payment code from a payment terminal; a transmitting module, located close to the collecting module, and configured to transmit transaction information to the payment terminal, wherein the transaction information is sent by the payment terminal when the payment terminal scans the payment code of the payment terminal; at least one storage medium storing at least one instruction set for payment; as well as at least one processor, in communication with the acquisition module, the light emission module and the at least one storage medium, Wherein, when the payment system is running, the at least one processor reads the at least one instruction set and executes the payment method according to any one of claims 1-13 according to the instructions of the at least one instruction set.

15. A payment method, applied to a payment terminal, comprising: Acquire and display a payment code, where the payment code can be collected by a payment terminal, wherein the payment terminal is in an offline state when collecting the payment code; Receiving transaction information transmitted by the payment terminal, wherein the transaction information is sent by the payment terminal when scanning a payment code of the payment terminal; identifying the transaction information; and When the payment terminal is connected to the payment server online, the payment information is sent to the payment server. When the payment terminal is connected to the payment server online, the payment terminal can send payment information to the payment server, so that the payment server matches the payment information with the payment information.

16. The method of claim 15, wherein: The transaction information at least includes the transaction amount and the receiving account.

17. The method of claim 16, wherein: The transaction information also includes transaction time or transaction order identification, and the transaction time includes the time when the payment terminal obtains the payment code.

18. The method of claim 15, wherein: The receiving the transaction information transmitted by the payment terminal includes: The target signal sent by the payment terminal is collected by a receiving module to receive the transaction information, wherein the target signal is a signal corresponding to the transaction information and generated within a preset range of the payment terminal based on the transaction information.

19. The method of claim 18, wherein: The target signal is generated by the payment terminal encoding the transaction information based on a preset encoding rule, and the payment terminal pre-stores the encoding rule; The identifying the transaction information based on the target signal comprises: The target signal is decoded based on the encoding rule to obtain the transaction information.

20. The method of claim 19, wherein: The target signal includes a target light signal, and the encoding rule includes encoding at least one of the number of light emission times, light emission frequency, illumination of each light emission, color, and duration of the target light signal based on the content of the transaction information.

21. The method of claim 15, wherein: The transaction information is received by the payment terminal synchronously when the payment terminal performs the action of scanning code to pay.

22. The method of claim 15, wherein: Also includes: When the payment server determines that the payment information matches the payment information, The transaction amount is transferred from the payment account to the payment receiving account.

23. The method of claim 15, wherein: After identifying the transaction information, the method further includes: Generate and display information about successful offline payment.

24. A payment system, comprising a payment terminal, comprising: A receiving module, configured to receive the transaction information; at least one storage medium storing at least one instruction set for payment; as well as at least one processor, in communication with the optical receiving module and the at least one storage medium, Wherein, when the payment system is running, the at least one processor reads the at least one instruction set and executes the payment method described in any one of claims 15-23 according to the instructions of the at least one instruction set.

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