Methods and network system for offline bridging transaction

Abstract

A network system and methods for implementing offline bridging transactions are provided. The network system includes: a first management system of a first service provider, a second management system of a second service provider and a bridging system of a bridging service provider. The methods includes: presenting a preliminarily obtained offline payment target on a portable device of a payer; routing a transaction request including a parsed target content of the offline payment target to the first management system through the second management system and the bridging system, to request an offline payment; and as the transaction request is authorized, executing the offline payment by one of the first management system, the second management system and the bridging system. The routing of the offline payment target is navigated based on identities of the first and second service providers associated with the offline payment target and pre-stored in the network system.

Description

[0125] On the other hand, the network system 50 without the bridging service provider 130 and the bridging system 135 can be operated based on the ODF mode. Specifically, a previously used 10 payment target (or its scarce target content) can be retrieved, to serve as or to generate the offline payment target by operating the payment application on the portable device 115 without internet connection, according to the request initiation process described with reference to FIG. 4A.

[0126] FIG. 9 is a flow diagram illustrating a target present process in the ODF, according to the further extended embodiments of the present disclosure. 15

[0127] After presenting the offline payment target in the step 5222' described in greater details with reference to FIG. 6B, a series of the steps S224, S226, S227, S610, S232, S800, S802, S804, S242, S244 described with reference to FIG. 8 can be performed to complete the offline payment and transaction, between the payer 1.10 and the receiver 150, When, the portable device 11.5 resumes internet connection, the transaction history update process described with reference to 20 FIG. 2C can be performed, to update transaction history on the portable device 115.

[0128] If the transaction request fails to meet certain criteria of the validity check and / or the risk, assessment performed by the second management system 145 of rhe second service provider 140 or the first management system 125 of the first service provider 120 during the target present process in either the ARF mode or the ODF mode, the steps S260, S262. S264 in the exception 25 handling process described with reference to FIG. 2D may be performed to invalidate the offline payment target. In this way . further use of such offline payment target would be prevented.

[0129] According to various embodiments described above, the offline payment target presented, on the portable device 115 is provided by the second management system 145 of the second service provider 140. Specifically, a target generator may be embedded in the second management system 30   145, for generating the offline payment target or its source target content, according to format and / or rules of the second service provider 140. As another alternative, the second management system 145 may be connected to an external target generator.

[0130] FIG. 10A is a block diagram further illustrating a target generator 160 used in the network system 10 for performing offline bridging transactions, according to some embodiments of the present disclosure. In addition, FIG. 10B is a block diagram further illustrating a target generator 160 used in the network system 50 for performing offline bridging transactions, according to some embodiments of foe present disclosure. [0131 ] As shown in FIG. 10A and FIG. 10B, the second management system 145 of the second sen-ice provider 140 may direct a target request to the target'generator 160 connected to the second management system 145. Upon receiving the offline- payment target or its source target content generated by the target generator 160. the second management system 145 of the second service provider 140 provides foe offline payment target or its source target content to the bridging system 135 or the first management system 125, As the offline payment target or its source target content is generated according to format and / or rules of the second service provider 140, foe offl ine payment target presented on the portable device 115 is recognizable to the target reading system 155 of the receiver 150, which is a user of foe second sendee provider 140,

[0132] FIG, I I is a block diagram illustrating a network, system 10' for performing offline bridging transactions, according to some alternative embodiments of foe present disclosure.

[0133] The network system 10’ is similar to the network system 10, except that the offline payment target (or its source target content) is provided by the bridging system 135 of foe bridging service provider 130. Specifically, the bridging system 135 may direct the target request to the target generator 160 connected to the bridging system 135. Upon receiving the offline payment target or its source target content generated by the target generator 160, the bridging system 135 provides the offline payment target or its source target content to the first management system 125. Based on a bilateral agreement, the offline payment target or its source target content is generated, according to format and / or rules of the second service provider 140. Thereby, the offline payment target presented on the portable device .115 is recognizable to the target reading system 1.55 of foe receiver I50, which is a user of the second service provider 140.

[0134] Based on the network system 10’, the communications between the bridging system 135 and the second management system 145 during the request initiation process according to various embodiments can be reduced. For instance, in the embodiments described with reference io FIG. 2A, the bridging system 135 may provide the offline payment target or its source target content upon receiving the target request from the first management system 125, rather than further directing the target request to the second management system 145. The generated offline payment target (or its source target content) may be directed to foe first management system 125 in. the step S2J0. In some embodiments, the generated offline payment target (or its source target content) and relevant information may still be transmitted to the second management system 145 for navigating the subsequent target present process. Similar modifications may be made to the request initiation process described with reference to FIG. 3.

[0135] It should be appreciated that, as another alternative, the target generator 160 can be 5 embedded info the bridging system 135. to further simplify the request initiation process. Moreover, with respect to further variations to the system and method for implementing bridging transactions throuhg the first and second sen-ice providers 120, 140, International Patent Application PCT / US2022 / 079S13, filed on November 9, 2022. tided “SYSTEMS AND METHODS FOR TARGET BRIDGING”, is incorporated herein by reference at its entirety. 10

[0136] The foregoing description, of embodiments is provided to enable any person skilled in the art to make and use the subject matter. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the novel principles and subject matter disclosed herein may be applied to oilier embodiments without the use of the innovative faculty. The claimed subject matter set forth in the claims is not intended to be limited to the embodiments shown, herein 15 but is to be accorded the widest scope consistent with the principles and novel features disclosed herein. Il is contemplated that additional embodiments are within Hie spirit and true scope of the disclosed subject matter. Thus, it is intended that the present invention covers modifications and variations that come within the scope of the appended claims and their equivalents.

Claims

1. A method for performing an offline bridging transaction through a bridging system of a bridging service provider, comprising:receiving a transaction request by the bridging system, wherein the transaction request includes a parsed target content obtained by reading an offline payment target presented on a portable device while the portable device is offline;sending the transaction request to a first .management system of a first service provider by the bridging system, based on an identity of the first service provider associated with the offline payment target and stored in the bridging system, wherein the first service provider provides payment transfer service for a payer having the portable device, and the transaction request is provided to the first management system to request an offline payment; andupon receiving a transaction approval from the first management system, executing the offline payment and sending a transaction notice to the first management system by the bridging system.2, The method according to claim L wherein the bridging system receives a transaction request link identifier (RLID) along with the transaction request, the transaction RLID finks the transaction .request to an identity of the payer and an identity of a receiver, and the bridging system circulates the transaction R.L1D to the first management system, along with the transaction request.3, The method according to claim 2, wherein the bridging system receives the transaction approval if the offline payment is authorized by the first management system based on. a risk assessment comprising:retrieving user score and / or risk level related to the payer, according to the transaction RLID.

4. The method according to claim L wherein the offline payment is executed when a transaction of the offline payment is recorded in a distributed ledger.

5. The method according to claim 1,wherein the bridging system sends the transaction request received from a second management system of a second service provider which receives from a target reading system of a receiver as a user of the second service provider, and further sends the transaction notice to the second management system, andwherein tire target reading system of the receiver does .not recognize a payment target of the first service provider,6. The method according to claim 5,wherein at least one of the second management system, the bridging system and the first management system store settings and restrictions for offline bridging transactions, andwherein transaction details of the offline payment are circulated to the second management system, the bridging system and the first management system along with the transaction request.7, The method according to claim 6, further comprising:performing a validity check by the at least one of the second management, system, the bridging system and the first management system, wherein performing the validity check comprises comparing the transaction details with the settings and restrictions.

8. The method according io claim 7, wherein when the transaction request fails to pass the validity check performed by the at least one of the second management system, the bridging system and the first management system, the method further comprises:updating a status of the offline pay ment target io be a blocked status by the at least one of the second management system, the bridging system and the first management system; andsending the blacked status to another one of the second management system, the bridging system and the first management system by the at least, one of the second management system, the bridging system and the first management system which updates the status of the offline payment target, wherein further use of the offline payment target ar the parsed target content is prevented as a result of the blocked status associated io the offline payment target,9, The method according to claim 5, further comprising:performing a request initiation process to obtain the offline payment target or its source target content'before presenting the offline payment target on the portable device, wherein the request initiation process comprises:receiving a target request and sending the target request to the second management system by the bridging system; androuting the offline payment target or the source target content provided by the second management system to the first management system by the bridging system.10, The method according to claim 9,wherein during the request initiation process, the bridging system recei ves the identity of the first service provider along with the target request from the first management system, and stores the identity of the first service provider, andwherein during the request initiation process, the bridging system stores the offline payment target or the source target content in addition to providing the offline payment target or the source target content to the first management system.

11. The method according to claim 10, wherein the request initiation process further comprises:receiving a target R.LID from the first management system by the bridging system, wherein the target RL1D Sinks the target request io an identity of the payer; andcirculating the target RLID to the second management system by the bridging system,12. The method according to claim 5, further comprising:performing a request initiation process by the portable device to obtain the offline payment target or its source target content before presenting the offline payment target, wherein the request initiation, process is performed by (he portable device when the portable device is offline.

13. The method according to claim 12, wherein the request initiation process comprises: retrieving a previously used payment target or the source target content from the portable device, respectively to be used as or to generate the offline payment target, wherein the previously used payment target or the source target, content is associated with a completed bridging transaction involving the first service provider, the second service provider and the bridging service provider,14, The method according to claim 1,wherein the bridging system receives the transaction request provided from a second management system of a selected second service provider among multiple second sendee providers, and further sends the transaction notice to the second management system, andwherein a target reading system of a receiver as a user of the second service providers does not recognize a payment target of the first service provider.

15. The method according to claim 14, further comprising performing a request initiation process before presenting die offline payment target on the portable device, wherein the request initiation process comprises:routing a target request from the portable device to second management, systems of the second service providers via the bridging system, to request respective offline payment targets or corresponding source target contents from the second, management systems, wherein the presented offline payment target is one-of the respective offline payment targets or generated from one of the source target contents.

16. The method according to claim 14, further comprising performing a request initiation process before presenting the offline payment target on the portable device, wherein the request initiation process comprises:searching for a completed bridging transaction involving the first service provider, the selected second service provider and the bridging service provider by the portable device; andretrieving a used payment target or its source target content associated with, the completed bridging transaction by the portable device, wherein the used payment. target or the source target content is served as or used to generate the offline payment target, respectively,1.7, The method according to claim 16, wherein the request initiation, process is performed when the portable device is offline.

18. A bridging system for performing an offline bridging transaction, comprising a storage device and a processor configured to execute instructions stored in the storage device for performing the offline bridging transaction, wherein the bridging system is communicatively connected with a first management system of a first service provider and a second management system of a second service provider, and wherein performing the offline bridging transaction comprises:receiving a transaction request, wherein the transaction request includes a parsed target content obtained, by reading an offline payment target presented on a portable device while the portable device is offline;sending the transaction request to the first management system, based on an identity of the first service provider associated, with the offline payment, target and. stored in the bridging system, wherein t he first service provider provides payment transfer service for a payer having the portable device, and the transaction request is provided to the first management system to request an offline payment; andupon receiving a transaction approval front the first management system, executing the offline payment and sending a transaction notice to the first management system.

19. The bridging system according to claim 18,wherein, the bridging system sends the transaction request received from the second management system, which receives from a target reading system of a receiver as a user of the second service provider, and further sends the transaction notice to the second management system, andwherein the target reading system of the receiver does not recognize a payment target of the first, service provider.

20. The bridging system according to claim 19, wherein performing the offline bridging transaction further comprises following steps before the offline payment target is presented on the portable device:receiving a target request and sending the target request to the second management system;circulating the offline payment targel or its source target content provided by the second, management system io the first .management system; andstoring the offline payment target or the source target content, along with the identity of the first service provider,21. The bridging system according to claim 19, wherein the offline payment target or its source target content is used in a previous bridging transaction performed through the first management system, the second management system and the bridging system, and is stored, in the bridging system.

22. The bridging system, according to claim 18, wherein performing the offline bridging transaction further comprises:receiving a transaction request link identifier (RLID) from the second management, system, along with the transaction request* andcirculating the transaction RUD to the first management system,wherein the transaction RLID links the transaction request to an identity of the payer and an identity of the receiver.

23. The bridging system according to claim 22, wherein the bridging system receives the transaction approval if the transaction .request is authorized by the first management system based on a risk assessment comprising retrieving user score and / or risk level related to the payer according to the transaction RLID.

24. A method for performing an offline bridging transaction through a first management system of a first service provider providing payment transfer service for a payer, comprising:receiving a transaction request for an offline payment by the first management system, wherein the transaction request includes a parsed target content obtained by reading an offline payment target presented on a portable device while the portable device is offline, and an identity of the payer associated with the offline payment target is stored in the first management system before the offline payment target is presented on the portable device; andafter execution of the offline payment and when the portable device is back online, sending a record of the completed offline payment to the portable device by the first management system,25. The method according to claim 24, wherein a target reading system used by a receiver to read the offline payment target does not recognize a target of the first service provider.26, The method according to claim 24. farther comprising:performing a risk assessment by the first management system upon receiving the transaction request, to determine whether to authorize the transaction request.

27. The method according to claim 26, wherein the risk assessment performed by the first management system comprises;retrieving user score and / or risk level related to the payer according to the identity of the payer;determining an authorization threshold by taking account of the user score and / or risk level; andeon-sparing transaction details of the offline payment with the authorization threshold.

28. The method according to claim 24, wherein the transaction request is routed io the first management system via a second management system of a second service provider providing payment transfer service for a receiver, and a target reading system used by the receiver to read the offline payment target does not recognize a payment target of the first service provider.29, The method according to claim 28, wherein a bridging system is communicatively connected with the first management system and the second management system to execute the offline payment, and to send a transaction notice to the first management system and the second management system upon execution of the offline .payment30. The method according io claim 24, wherein the transaction request is provided to the first management system by a second management system of a second service provider providing payment transfer service for a receiver, and the offline payment is executed by the first management system.31, The method according to claim 30, further comprising:upon executing the offline payment, sending a transaction notice to the second, management system by the first management system.

32. The method according to claim 24, wherein the transaction request is provided to the first management system via a second management system of a second service provider providing payment transfer service for a receiver, and the method further comprises performing a request initiation process to obtain the offline payment target or its source target content before presenting the offline payment target on the portable device, wherein the request initiation process comprises:routing a target request to the second management system by the first management system; ariddirecting the offline payment target or the source target content provided by the second management system to the portable device by the first management system.

33. The method according io ciaim 24, wherein the transaction request is provided to the first management system via a second management system of a second service provider providing payment transfer service for a receiver, and the offline payment target or its source target content is used in a previous bridging transaction involving the first service provider and the second service provider.

34. A first management system of a first service provider providing payment transfer service for a payer, comprising a storage device and a processor configured to execute ■instructions stored in the storage device for performing an offline bridging transaction, comprising:receiving a transaction request .for an offline payment, wherein the transaction request includes a parsed target content obtained, by reading an offline payment target presented on a portable device while the portable device is offline, and an identity of the payer associated with the offline payment target is stored in the first management system before the offline payment target is presented on the portable device; andafter execution of the offline payment and when the portable device is back online, sending a record of the completed offline payment to the portable device.

35. The first management system according to claim 34, wherein the offline payment is executed by a bridging system of a bridging service provider, and the bridging system is communicatively connected with the first management system of the first service provider and a second management system of a second service provider.

36. The first management system according to claim 35, wherein performing the offline bridging transaction further comprises:performing a risk assessment upon receiving the transaction request, to determine whether to authorize the transaction request; andif the transaction request is authorized, sending a transaction approval to the bridging system.37, The first management system according to claim 34, wherein the offline payment is executed by the first management system.

38. The first management system according to claim 37, wherein performing the offline bridging transaction further comprises:performing a risk assessment upon receiving the transaction request, to determine whether to authorize the transaction request.

39. The first management system according to claim 34, wherein the transaction request is provided to the first management system via a second management system of a secondsendee provider providing payment transfer service for a receiver, and performing the offline bridging transaction farther comprises performing a request initiation process to obtain the offline payment target or its source target content before presenting the offline payment target on the portable device, wherein the request initiation process comprises:routing a target request to the second management system by the first management system; anddirecting the offline payment target or the source target content provided by the second, management system to the portable device by the first management system.

40. The first management system according io claim 34, wherein the transaction request is provided to the first management system via a second management system of a second service provider providing payment transfer service for a receiver, and the offline paymem target or its source target content is used in a previous bridging transaction involving the first service provider and the second service provider.

41. A method for performing an offline bridging transaction through a second management system of a second service provider providing payment transfer service for a receiver, comprising:providing an offline payment target or its source target content to a portable device of a payer by the second, management system;upon receiving a transaction request, directing the transaction request to a first management system of a first service provider via the second management system, to request an offline payment, wherein the first service provides payment transfer service for the payer, and the transaction request includes a parsed target content obtained by reading the offline payment target, presented on the portable device while the portable device is offline; andupon execution of the offline payment, providing a payment confirmation to the receiver.

42. The method according to claim 41, further comprising:providing a transaction request link identifier (RLID) along with the transaction request to the tint management system by the second management system, wherein the transaction RUD links the transaction request with an identity of the payer and an identity of the receiver.43, The method according to claim 41, wherein the transaction request is provided to the first management, system via the second management system and a bridging system of a bridging service provider.

44. The method according to claim 4.

3. wherein the offline payment is executed by the bridging system after receiving a transaction approval from the first .management system, andthe payment confirmation is provided after the second management system receives a transaction notice from the bridging system.

45. The method according to claim 44, wherein the second management system is stored with the offline payment target or the source target content, and an identity of the first service provider associated with the offline payment target before receiving the transaction request.

46. The .method according to claim 41, wherein the offline payment is executed by the second management system, after receiving a transaction approval from the first management system.

47. The method according to claim 41, wherein the offline payment target or the source target content has not been used in any transaction before the offline payment target is presented, on the portable device.

48. The method according to claim 41, wherein the offline payment target or the source target content has been used in a -previous bridging transaction involving the first service provider and the second service provider,49. A second management system of a second service provider providing digital property transfer service for a receiver, comprising a storage device and a processor configured to execute instructions stored in the storage device for performing an offline bridging transaction, comprising:providing an offline payment target or its source target content to a portable device of a payer;upon receiving a transaction request, directing the transaction request to a first management system of a first service provider via the second management system, to request an offline payment, wherein the first service provides payment transfer service for the payer, and the transaction request includes a parsed target content obtained by reading the offline payment target presented on the portable device while the portable device is offline; andupon execution of the offline payment, providing a payment confirmation to the receiver.

50. The second management system according to claim 49, wherein performing the offline bridging transaction further comprises:providing a transaction request link, identifier I'RLID) along with the transaction request to the first management system, wherein the transaction RLID links the transaction request with an identity of the payer and an identity of the receiver.

51. The second management system according to claim 49, wherein, the transaction request is provided to the first management system via the second management, system and a bridging system of a bridgi ng service provider.

52. The second management system according to claim 51, wherein the offline payment is executed by the bridging system after receiving a transaction approval from the first management system, and the payment confirmation is provided after the second management system receives a transaction notice from the bridging system.

53. The second management system according to claim 52, wherein the second management is stored with the offline payment target or the source target content and an identity of the first service provider associated with the offline payment target before receiving transaction request.

54. The second management system according to claim 53, wherein the offline payment is executed by the second management system, after receiving a transaction approval from the first management system.

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