Blockchain-based Offline Transaction Method and Device

Abstract

An embodiment of the present invention relates to an off-chain transaction method and device based on a blockchain. The method includes: obtaining a specified identifier, and determining whether there is a corresponding record of the specified identifier in the blockchain; when there is a record, verifying whether the specified identifier is in an active state; when the specified identifier is in an active state, verifying whether the current transaction meets the transaction restrictions corresponding to the specified identifier in the blockchain, where the transaction restrictions are the restrictions when a payment account authorizes the specified identifier for payment; when the transaction restrictions are met, generating off-chain transaction information according to the payment account corresponding to the specified identifier, and recording the off-chain transaction information in the blockchain. This reduces the payment difficulties faced due to over-reliance on the payment function of the terminal, improves the user experience, and enhances the market competitiveness of electronic payment.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular, to an off-chain transaction method and device based on blockchain. Background Art

[0002] With the continuous development of technology and economy, people's lives are becoming increasingly rich, and payment demands are also constantly increasing. Corresponding payment methods are also diverse. For example, electronic payment, NFC payment, or card swiping payment, etc. Generally, multiple payment methods can be integrated on the same terminal to increase payment convenience. For example, a mobile phone that supports both electronic payment and NFC payment.

[0003] However, with the diversity of payment methods, due to its safety, convenience and other characteristics, the use proportion of electronic payment has increased significantly. More and more users choose to rely on just one mobile phone (only carry one mobile phone, without cash and various cards). However, electronic payment has relatively high requirements for wireless network and battery power. In the case of no wireless network service or the terminal running out of power, users who rely solely on one mobile phone face the embarrassing situation of being unable to make payments. Summary of the Invention

[0004] Based on the above problems, embodiments of the present invention provide an off-chain transaction method and device based on blockchain.

[0005] In a first aspect, embodiments of the present invention provide an off-chain transaction method based on blockchain. The method includes:

[0006] Obtain a specified identifier, and determine whether there is a corresponding record of the specified identifier in the blockchain;

[0007] When there is a record, verify whether the specified identifier is in an active state;

[0008] When the specified identifier is in an active state, verify whether the current transaction meets the transaction restrictions corresponding to the specified identifier in the blockchain, where the transaction restrictions are the restrictions when the payment account authorizes the specified identifier for payment;

[0009] When the transaction restrictions are met, generate off-chain transaction information according to the payment account corresponding to the specified identifier, and record the off-chain transaction information in the blockchain.

[0010] Optionally, the step of obtaining a specified identifier and determining whether there is a corresponding record of the specified identifier in the blockchain includes:

[0011] Obtain an image of the specified identifier; match the image of the specified identifier with the images recorded in the blockchain to determine whether there is an image in the blockchain whose matching degree meets a preset value;

[0012] Or,

[0013] Obtain an image of the specified identifier, and extract summary information of the image of the specified identifier; match the summary information of the image of the specified identifier with the summary information recorded in the blockchain to determine whether there is summary information in the blockchain whose matching degree meets a preset value.

[0014] Optionally, the transaction restrictions include one or more of the following:

[0015] Payment frequency limit, payment amount limit, and payment method limit.

[0016] In a second aspect, an embodiment of the present invention provides an offline transaction method based on a blockchain. The method includes:

[0017] Obtain a specified identifier;

[0018] Authorize the payment function of the payment account to the specified identifier through the blockchain, set transaction restrictions, and mark the specified identifier as an unactivated state;

[0019] When a preset condition is met, modify the status of the specified identifier to an activated state through the blockchain so as to use the specified identifier for offline payment.

[0020] Optionally, the preset condition includes one or more of the following:

[0021] Insufficient battery power of the terminal, a specified operation triggered by the user.

[0022] Optionally, the transaction restrictions include one or more of the following:

[0023] Payment frequency limit, payment amount limit, and payment method limit.

[0024] In a third aspect, an embodiment of the present invention provides an offline transaction device based on a blockchain. The device includes:

[0025] An obtaining unit, configured to obtain a specified identifier and determine whether there is a corresponding record of the specified identifier in the blockchain;

[0026] A verification unit, configured to verify whether the specified identifier is in an activated state when it exists;

[0027] The verification unit is further configured to verify whether the current transaction meets the transaction restrictions corresponding to the specified identifier in the blockchain when the specified identifier is in an activated state, where the transaction restrictions are the restrictions when the payment account authorizes the specified identifier to make a payment;

[0028] A generation unit, configured to generate offline transaction information according to a payment account corresponding to the specified identifier when the transaction restriction is satisfied, and record the offline transaction information in a blockchain.

[0029] Fourthly, an embodiment of the present invention provides an offline transaction device based on a blockchain. The device includes:

[0030] An acquisition unit, configured to acquire a specified identifier;

[0031] An authorization unit, configured to authorize the payment function of a payment account to the specified identifier through the blockchain, set transaction restrictions, and mark the specified identifier as an unactivated state;

[0032] A modification unit, configured to modify the state of the specified identifier to an activated state through the blockchain when a preset condition is reached, so as to perform offline payment using the specified identifier.

[0033] Fifthly, an embodiment of the present specification provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor. The computer device is characterized in that when the processor executes the program, the method steps in the foregoing first aspect and its optional implementations or the second aspect and its optional implementations are implemented.

[0034] Sixthly, a computer-readable storage medium is provided. A computer program is stored on the computer-readable storage medium. When the computer program is executed by a processor, the methods in the foregoing first aspect and its optional implementations or the second aspect and its optional implementations are implemented.

[0035] Seventhly, a computer program product containing instructions is provided. When the instructions run on a computer, the computer is enabled to execute the methods in the foregoing first aspect and its optional implementations or the second aspect and its optional implementations.

[0036] Through the embodiments of the present invention, authorization of a specified identifier is achieved in combination with a blockchain, and activation for offline payment is performed under certain conditions, so as to ensure the continuity of payment through offline payment in some special scenarios. The payment dilemma faced due to over-reliance on the payment function of a terminal is reduced, the user experience is improved, and the market competitiveness of electronic payment is enhanced. Description of the Drawings

[0037] Figure 1 A schematic diagram of a system;

[0038] Figure 2 A flowchart schematic diagram of an offline transaction method based on a blockchain provided by an embodiment of the present invention;

[0039] Figure 3Schematic structural diagram of an off-chain trading device provided by an embodiment of the present invention;

[0040] Figure 4 Schematic structural diagram of another off-chain trading device provided by an embodiment of the present invention;

[0041] Figure 5 Schematic structural diagram of a computer device provided by an embodiment of this specification. Specific implementation manners

[0042] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Apparently, the described embodiments are some but not all of the embodiments of the present invention. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present invention without creative efforts shall fall within the protection scope of the present invention.

[0043] An embodiment of the present invention provides an off-chain trading method and device. The method is applicable to Figure 1 the system shown in Figure 1 As shown, the system includes: a node network and a terminal. Among them, the terminal includes one or more servers (or platform servers) 121 and one or more clients (user terminals) 122. For example, a laptop computer, a desktop computer, and a mobile terminal, etc. Among them, the server 121 can run on a merchant terminal. For example, the merchant terminal can include a turnstile or a cash register when entering or leaving a subway station, etc. The client 122 can run on the user's terminal. For example, the user terminal can include a mobile phone; one or more blockchain nodes 110. Among them, the client 122 can refer to a terminal installed with a client application program, and the server 121 can refer to a terminal installed with a platform server-side application program.

[0044] The terminal is mainly used for interacting with users, other terminals, and blockchain nodes. For example, a user can log in through the client 122, query records in the blockchain, or record information in the blockchain. The server 121 can interact with the client 122 to trade information, which can include a payment account, verification information, and a transaction amount, etc. The server 121 can also record part or all of the information of the transaction in the blockchain; the blockchain node 110 stores a blockchain. The terminal can obtain the blockchain from the blockchain node 110 or send a newly generated block to the blockchain node 110. In the embodiment of the present invention, an identifier 130 is further included. Among them, the identifier 130 can include various types, for example, it can be an image at a specified position, an image of a specified item, a two-dimensional code, and a biometric feature, etc. The terminal can identify the identifier 130.

[0045] As user terminals become increasingly intelligent and secure, the scenarios of using terminals for payment are also increasing. How to maintain the continuity of payment and reduce the payment dilemmas faced due to over-reliance on the payment functions of terminals in some special scenarios? Embodiments of the present invention provide a blockchain-based offline transaction method and device. By combining blockchain, offline payment can be activated under certain conditions to ensure the continuity of payment through offline payment.

[0046] For the convenience of understanding the embodiments of the present invention, the following will further explain with specific embodiments in conjunction with the accompanying drawings. The embodiments do not limit the embodiments of the present invention.

[0047] Figure 2 It is a schematic flowchart of a blockchain-based offline transaction method provided by an embodiment of the present invention. This method can be implemented through the interaction between the terminal and the blockchain node in the Figure 1 scenario shown. In the embodiments of the present invention, the offline payment using a specified identifier can be divided into an authorization process, an activation process, and a payment process. As shown in Figure 2 the figure, steps S210 - S212 are the authorization process; step S214 is the activation process; S220 - S226 are the payment process. Specifically as follows:

[0048] S210, obtain a specified identifier.

[0049] In the authorization process, the user can specify an identifier as the specified identifier, and the client can obtain the specified identifier. The specified identifier can be an image at a specified position, an image of a specified item, a data segment, a biological feature, etc.

[0050] For example, the specified identifier can be an encrypted data segment. The user can generate a QR code based on this data segment. The QR code can be generated by the client or by other devices. In the authorization process, the client recognizes the QR code and obtains the encrypted data segment. Additionally, the QR code can be printed and pasted on the back of the terminal for use during payment.

[0051] For another example, the specified identifier can also be an image of a specified item at a specified angle. The specified identifier can be an image of the back of the wrist with a bracelet on the wrist. The terminal can capture an image of the back of the wrist including the bracelet.

[0052] For another example, the specified identifier can also be a fingerprint. The terminal can obtain the digest information of the fingerprint as the specified identifier.

[0053] S212, authorize the payment function of the payment account to the specified identifier through the blockchain, set transaction restrictions, and mark the specified identifier as an unactivated state.

[0054] After obtaining the specified identifier, the terminal can authorize some functions of the payment account to the specified identifier. Specifically, the user can log in to the client through the payment account. The client can obtain the specified identifier and, under the instruction of the user's operation, generate data information for authorizing the payment function of the account to the specified identifier, and send the data information to the blockchain node. After being verified by the verification server, a block is generated according to the data information and recorded in the blockchain. Among them, the verification server is mainly used to verify the newly generated data information and record the data information in the blockchain. For example, the verification server can also be called a mining machine or an information packaging server, and the function of the verification server can be implemented by the server side.

[0055] In a specific application, the payment function authorized to the specified identifier is subject to transaction restrictions, which can be the preset default transaction restrictions or the transaction restrictions set according to the user's operation. For example, options for transaction restriction methods can be provided to the user, and the transaction restrictions for the specified identifier can be set according to the selected transaction restriction options by the user.

[0056] The transaction restrictions can include one or more of the following: payment frequency restriction, payment amount restriction, payment method restriction, etc.

[0057] For example, for the scenario of taking the subway by scanning the specified identifier, the payment frequency can be set to once, which includes scanning the specified identifier to enter the station and scanning the specified identifier to exit the station;

[0058] For another example, in order to improve the security of the account funds and avoid being stolen in large amounts, the payment amount of the specified identifier can be restricted within 100 yuan;

[0059] For another example, the transaction restrictions of the specified identifier can be restricted to using public transportation; etc.

[0060] For another example, the combination of payment frequency and payment amount restrictions and other transaction restriction methods can be combined. For example, the payment can be restricted to once, and the maximum amount does not exceed 100 yuan.

[0061] For the authorization process, after authorizing the payment function to the specified identifier, the specified identifier can be marked as unactivated first. The specified identifier in the unactivated state cannot conduct offline transactions. In this way, the usage scenario of the specified identifier can be restricted to ensure the security of payment.

[0062] S214, when the preset condition is met, modify the status of the specified identifier to the activated state through the blockchain so as to use the specified identifier for offline payment.

[0063] Among them, the preset conditions may include one or more of the following:

[0064] Insufficient terminal power, user-triggered specified operations, unstable Wi-Fi signals, and so on.

[0065] For example, when the terminal power is insufficient and the user enters the power-saving mode during the operation, the client modifies the specified identifier to the active state through the blockchain. Or, when the terminal power is insufficient and before it shuts down automatically, the client modifies the specified identifier to the active state through the blockchain.

[0066] For another example, the user can activate the payment function of the specified identifier according to their own usage needs. For example, when the user is about to enter an area with unstable Wi-Fi, the user can modify the status of the specified identifier to the active state in advance in an area with stable Wi-Fi.

[0067] When the status of the specified identifier in the blockchain is the active state, that is, the payment function of the specified identifier is activated, the specified identifier can be used for payment at this time.

[0068] S220, obtain the specified identifier, and determine whether there is a corresponding record of the specified identifier in the blockchain.

[0069] When using the specified identifier for payment, the specified identifier can be provided to the server. For example, the specified identifier can be placed in a specified location, or the user can instruct the server to obtain an image of the specified identifier.

[0070] The server can scan the specified area in real time and obtain the specified identifier when the specified identifier is scanned. It can also obtain the specified identifier after receiving an instruction. For example, if the specified identifier is the data segment included in a QR code, the server can obtain an image of the QR code and identify the data segment included in the image.

[0071] After the server obtains the specified identifier, it needs to determine whether the specified identifier is recorded in the blockchain. Specifically, the server can match the specified identifier with the identifiers recorded in the blockchain. If the match is successful, it is determined that there is a corresponding record of the specified identifier in the blockchain.

[0072] If the match fails, the transaction fails. At this time, the server can prompt that the transaction fails and can also display that the reason for the failure is unauthorized.

[0073] Based on this, obtaining the specified identifier and determining whether there is a corresponding record of the specified identifier in the blockchain can be achieved at least through the following methods:

[0074] In one example, the server can obtain an image with a specified identifier; match the image with the specified identifier with the images recorded in the blockchain to determine whether there is an image in the blockchain whose matching degree meets a preset value;

[0075] In another example, obtain the image with the specified identifier, and extract the digest information of the image with the specified identifier; match the digest information of the image with the specified identifier with the digest information recorded in the blockchain to determine whether there is digest information in the blockchain whose matching degree meets a preset value.

[0076] S222, when there is a match, verify whether the specified identifier is in an active state.

[0077] After determining that there is a corresponding record of the specified identifier in the blockchain, it is also necessary to determine whether the current state of the specified identifier in the blockchain is in an active state.

[0078] When the state of the specified identifier is in an inactive state, the transaction fails. At this time, the server can prompt that the transaction fails, and can also display that the reason for the failure is that the specified identifier is not activated.

[0079] When the specified identifier is in an active state, S224 can be continued.

[0080] S224, when the specified identifier is in an active state, verify whether the current transaction meets the transaction restrictions corresponding to the specified identifier in the blockchain, where the transaction restrictions are the restrictions when the payment account authorizes the specified identifier for payment.

[0081] When the specified identifier meets the activation conditions, it is also necessary to verify whether the current transaction meets the transaction restrictions. For example, verify whether the number of transactions using the specified identifier exceeds the restricted number, or whether the amount of the current transaction exceeds the maximum amount of the transaction restrictions, etc. For the description of the transaction restrictions, reference can be made to the description in the foregoing step S212.

[0082] When the current transaction does not meet the transaction restrictions, the transaction fails. At this time, the server can prompt that the transaction fails, and can also display that the reason for the failure is that the transaction is restricted.

[0083] When the conditions are met, S226 can be continued.

[0084] S226, when the transaction restrictions are met, generate offline transaction information according to the payment account corresponding to the specified identifier, and record the offline transaction information in the blockchain.

[0085] When the current transaction meets the transaction restrictions, the server uses the account corresponding to the specified identifier in the blockchain as the transfer-out account, uses the account of the platform corresponding to the server as the transfer-in account, and generates offline transaction information. After the verification server verifies the offline transaction information, it generates a block and sends it to the blockchain node, thereby recording the transaction information in the blockchain. Among them, the offline transaction information may further include the specified identifier, so that in subsequent transactions, according to the transaction information corresponding to the specified identifier, the usage situation of the specified identifier can be determined, and further determine whether the current transaction meets the transaction restrictions.

[0086] Through the embodiments of the present invention, the authorization of the specified identifier is realized in combination with the blockchain, and under certain conditions, it is activated for offline payment. In some special scenarios, offline payment is used to ensure the continuity of payment. It reduces the payment dilemma faced due to over-reliance on the payment function of the terminal, improves the user experience, and enhances the market competitiveness of electronic payment.

[0087] Figure 3 It is a schematic structural diagram of an offline transaction device provided by an embodiment of the present invention. The device specifically includes:

[0088] An acquisition unit 301, configured to acquire a specified identifier and determine whether there is a corresponding record of the specified identifier in the blockchain;

[0089] A verification unit 302, when it exists, is configured to verify whether the specified identifier is in an activated state;

[0090] The verification unit 302 is further configured to, when the specified identifier is in an activated state, verify whether the current transaction meets the transaction restrictions corresponding to the specified identifier in the blockchain, where the transaction restrictions are the restrictions when the payment account authorizes the specified identifier for payment;

[0091] A generation unit 303, configured to, when the transaction restrictions are met, generate offline transaction information according to the payment account corresponding to the specified identifier and record the offline transaction information in the blockchain.

[0092] Optionally, the acquisition unit 301 is specifically configured to:

[0093] Acquire an image of the specified identifier; match the image of the specified identifier with the image recorded in the blockchain to determine whether there is an image in the blockchain whose matching degree meets a preset value;

[0094] Or,

[0095] Obtain the image of the specified identifier, and extract the summary information of the image of the specified identifier; match the summary information of the image of the specified identifier with the summary information recorded in the blockchain to determine whether there is summary information in the blockchain whose matching degree meets the preset value.

[0096] Optionally, the transaction restrictions include one or more of the following:

[0097] Payment frequency limit, payment amount limit, and payment method limit.

[0098] Figure 4 FIG. is a schematic structural diagram of another off-chain transaction device provided by an embodiment of the present invention. The device specifically includes:

[0099] An obtaining unit 401, configured to obtain a specified identifier;

[0100] An authorization unit 402, configured to authorize the payment function of a payment account to the specified identifier through the blockchain, set transaction restrictions, and mark the specified identifier as an unactivated state;

[0101] A modification unit 403, configured to modify the state of the specified identifier to an activated state through the blockchain when a preset condition is met, so as to perform off-chain payment using the specified identifier.

[0102] Optionally, the preset condition includes one or more of the following:

[0103] Insufficient battery power of the terminal, a specified operation triggered by the user.

[0104] Optionally, the transaction restrictions include one or more of the following:

[0105] Payment frequency limit, payment amount limit, and payment method limit.

[0106] An embodiment of this specification further provides a computer device, which at least includes a memory, a processor, and a computer program stored on the memory and executable on the processor. The computer device can be implemented in the form of an anomaly detection server. Among them, when the processor executes the program, the foregoing anomaly detection method is implemented. The method at least includes:

[0107] Obtain a specified identifier, and determine whether there is a corresponding record of the specified identifier in the blockchain;

[0108] When there is, verify whether the specified identifier is in an activated state;

[0109] When the specified identifier is in an activated state, verify whether the current transaction meets the transaction restrictions corresponding to the specified identifier in the blockchain, and the transaction restrictions are the restrictions when the payment account authorizes the specified identifier to make a payment;

[0110] When the transaction restrictions are met, offline transaction information is generated according to the payment account corresponding to the specified identifier, and the offline transaction information is recorded in the blockchain.

[0111] Optionally, the obtaining of the specified identifier and determining whether there is a corresponding record of the specified identifier in the blockchain includes:

[0112] Obtain an image of the specified identifier; match the image of the specified identifier with the images recorded in the blockchain to determine whether there is an image in the blockchain whose matching degree meets a preset value;

[0113] Or,

[0114] Obtain an image of the specified identifier, and extract the digest information of the image of the specified identifier; match the digest information of the image of the specified identifier with the digest information recorded in the blockchain to determine whether there is digest information in the blockchain whose matching degree meets a preset value.

[0115] Optionally, the transaction restrictions include one or more of the following:

[0116] Payment frequency limit, payment amount limit, and payment method limit.

[0117] The embodiments of this specification also provide another computer device, which at least includes a memory, a processor, and a computer program stored on the memory and executable on the processor. This computer device can be implemented in the form of an anomaly detection server. Among them, when the processor executes the program, the foregoing anomaly detection method is implemented. This method at least includes:

[0118] Obtain a specified identifier;

[0119] Authorize the payment function of the payment account to the specified identifier through the blockchain, set transaction restrictions, and mark the specified identifier as an unactivated state;

[0120] When a preset condition is reached, modify the status of the specified identifier to an activated state through the blockchain so that offline payment can be made using the specified identifier.

[0121] Optionally, the preset condition includes one or more of the following:

[0122] The battery power of the terminal is insufficient, a specified operation triggered by the user.

[0123] Optionally, the transaction restrictions include one or more of the following:

[0124] Payment frequency limit, payment amount limit, and payment method limit.

[0125] Figure 5 FIG. 1 shows a schematic structural diagram of a computer device provided by an embodiment of this specification. The computer device may include: a processor 510, a memory 520, an input / output interface 530, a communication interface 540, and a bus 550. Among them, the processor 510, the memory 520, the input / output interface 530, and the communication interface 540 are communicatively connected to each other inside the device through the bus 550.

[0126] The processor 510 may be implemented in a general-purpose CPU (Central Processing Unit), a microprocessor, an application-specific integrated circuit (ASIC), or one or more integrated circuits, etc., and is used to execute relevant programs to implement the technical solutions provided by the embodiments of this specification.

[0127] The memory 520 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random Access Memory), a static storage device, a dynamic storage device, etc. The memory 520 may store an operating system and other application programs. When implementing the technical solutions provided by the embodiments of this specification through software or firmware, the relevant program codes are stored in the memory 520 and are called and executed by the processor 510.

[0128] The input / output interface 530 is used to connect to an input / output module to implement information input and output. The input / output module may be configured as a component in the device (not shown in the figure) or externally connected to the device to provide corresponding functions. Among them, the input device may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output device may include a display, a speaker, a vibrator, an indicator light, etc.

[0129] The communication interface 540 is used to connect to a communication module (not shown in the figure) to implement communication interaction between this device and other devices. Among them, the communication module may implement communication in a wired manner (such as USB, network cable, etc.) or in a wireless manner (such as mobile network, WIFI, Bluetooth, etc.).

[0130] The bus 550 includes a path for transmitting information between various components of the device (such as the processor 410, the memory 420, the input / output interface 430, and the communication interface 440).

[0131] It should be noted that although the above device only shows the processor 510, the memory 520, the input / output interface 530, the communication interface 540, and the bus 550, in the specific implementation process, the device may also include other components necessary for normal operation. In addition, those skilled in the art can understand that the above device may also only include the components necessary to implement the solution of the embodiments of this specification, and does not necessarily include all the components shown in the figure.

[0132] Those skilled in the art should also be able to further realize that the units and algorithm steps of each example described in combination with the embodiments disclosed herein can be implemented by electronic hardware, computer software, or a combination of the two. To clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described according to functions in the above description. Whether these functions are executed in a hardware or software manner depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods for each specific application to implement the described functions, but such implementation should not be considered to exceed the scope of the present invention.

[0133] The steps of the methods or algorithms described in combination with the embodiments disclosed herein can be implemented by hardware, software modules executed by a processor, or a combination of the two. The software modules can be placed in a random access memory (RAM), internal memory, read-only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, removable disk, CD-ROM, or any other form of storage medium well-known in the technical field.

[0134] The specific embodiments described above further elaborate on the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the above description is only for the specific embodiments of the present invention and is not used to limit the protection scope of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the scope of the present invention shall be included in the protection scope of the present invention.

Claims

1. A blockchain-based offline transaction method, where the offline transaction refers to electronic payment in the absence of wireless network service or when the terminal runs out of power; characterized in that, including: Obtain a specified identifier, and determine whether there is a corresponding record of the specified identifier in the blockchain; wherein, the payment function of the payment account is authorized to the specified identifier through the blockchain; When it exists, verify whether the specified identifier is in an active state; In the active state, allow offline payment to be made using the specified identifier; When the specified identifier is in an active state, verify whether the current transaction meets the transaction restrictions corresponding to the specified identifier in the blockchain, and the transaction restrictions are the restrictions when the payment account authorizes the specified identifier to make a payment; When the transaction restrictions are met, generate offline transaction information according to the payment account corresponding to the specified identifier, and record the offline transaction information in the blockchain.

2. The method according to claim 1, characterized in that The obtaining the specified identifier and determining whether there is a corresponding record of the specified identifier in the blockchain includes: Obtain an image of the specified identifier; match the image of the specified identifier with the images recorded in the blockchain to determine whether there is an image in the blockchain whose matching degree meets a preset value; Or, Obtain the image of the specified identifier, and extract the digest information of the image of the specified identifier; match the digest information of the image of the specified identifier with the digest information recorded in the blockchain to determine whether there is digest information in the blockchain whose matching degree meets a preset value.

3. The method according to claim 1 or 2, characterized in that, The transaction restrictions include one or more of the following: Payment frequency limit, payment amount limit, and payment method limit.

4. A blockchain-based offline transaction method, where the offline transaction refers to electronic payment in the absence of wireless network service or when the terminal runs out of power; characterized in that, including: Obtain a specified identifier; Authorize the payment function of the payment account to the specified identifier through the blockchain, set transaction restrictions, and mark the specified identifier as not activated; When a preset condition is met, modify the state of the specified identifier to an active state through the blockchain so as to allow offline payment to be made using the specified identifier.

5. The method according to claim 4, characterized in that, The preset conditions include one or more of the following: Insufficient battery power of the terminal, a specified operation triggered by the user.

6. The method according to claim 4, characterized in that The transaction restrictions include one or more of the following: Payment frequency limit, payment amount limit, and payment method limit.

7. An off-chain transaction device based on blockchain, where the off-chain transaction refers to electronic payment in the case of no wireless network service or when the terminal runs out of power; it is characterized in that, including: An obtaining unit, configured to obtain a specified identifier, and determine whether there is a corresponding record of the specified identifier in the blockchain; wherein, the payment function of the payment account is authorized to the specified identifier through the blockchain; A verification unit, when it exists, configured to verify whether the specified identifier is in an active state; in the active state, allow offline payment to be made using the specified identifier; The verification unit is further configured to, when the specified identifier is in an active state, verify whether the current transaction meets the transaction restrictions corresponding to the specified identifier in the blockchain, and the transaction restrictions are the restrictions when the payment account authorizes the specified identifier to make a payment; A generating unit, configured to, when the transaction restrictions are met, generate offline transaction information according to the payment account corresponding to the specified identifier, and record the offline transaction information in the blockchain.

8. An off-chain transaction device based on blockchain, where the off-chain transaction refers to electronic payment in the case of no wireless network service or the terminal running out of power; characterized in that, including: An obtaining unit, configured to obtain a specified identifier; An authorizing unit, configured to authorize the payment function of the payment account to the specified identifier through the blockchain, set transaction restrictions, and mark the specified identifier as not activated; A modification unit, configured to modify the status of the specified identifier to an active status through the blockchain when a preset condition is met, so as to perform offline payment using the specified identifier.

9. A computer device, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the program, the following steps are implemented: Obtain a specified identifier, and determine whether there is a corresponding record of the specified identifier in the blockchain; wherein, the payment function of the payment account is authorized to the specified identifier through the blockchain; When it exists, verify whether the specified identifier is in an active status; in the active status, allow offline payment using the specified identifier; When the specified identifier is in an active status, verify whether the current transaction meets the transaction restrictions corresponding to the specified identifier in the blockchain, and the transaction restrictions are the restrictions when the payment account authorizes the specified identifier to make a payment; When the transaction restrictions are met, generate offline transaction information according to the payment account corresponding to the specified identifier, and record the offline transaction information in the blockchain; the offline transaction refers to an electronic payment in the case of no wireless network service or when the terminal runs out of power.

10. A computer device, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the program, the following steps are implemented: Obtain a specified identifier; Authorize the payment function of the payment account to the specified identifier through the blockchain, set transaction restrictions, and mark the specified identifier as inactive; When a preset condition is met, modify the status of the specified identifier to an active status through the blockchain, so as to perform offline payment using the specified identifier; the offline payment refers to an electronic payment in the case of no wireless network service or when the terminal runs out of power.

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