A method, device and equipment for processing offline transactions

Abstract

The embodiments of the present specification disclose a method, apparatus and device for processing offline transactions, the method being applied to a first terminal of a transaction initiator, the method comprising: obtaining information on the current network connection status of the first terminal for a target transaction; if the current network connection status of the first terminal is connected, and it is determined that the network connection status of a second terminal of a transaction target party of the target transaction is disconnected, or the current network connection status of the first terminal is disconnected, determining whether the first terminal is capable of outputting a transaction identification code for triggering offline transaction processing of the target transaction; based on a determination result of whether the first terminal is capable of outputting the transaction identification code, selecting an offline transaction strategy corresponding to the determination result, and performing offline transaction processing on the target transaction with the second terminal based on the selected offline transaction strategy.

Description

Technical Field

[0001] This document relates to the field of computer technology, and in particular to a method, device and equipment for processing offline transactions. Background Art

[0002] Using offline transactions without network connection is an important supplement to online transactions. Currently, offline transactions are still in the initial development and user education stage. Common offline transaction methods can include offline transaction processing by scanning offline transaction graphic codes (such as QR codes, etc.), offline transaction processing by on-site communication, offline transaction processing by offline voiceprint, and offline transaction processing by Bluetooth, etc. However, the above offline transaction processing methods are provided by different organizations or applications, that is, different organizations or applications are set with designated offline transaction methods provided to users. Therefore, if a user needs to conduct offline transactions, he can only use the offline transaction method set by the financial institution corresponding to the transaction method used to complete a transaction. If the user needs to use a certain offline transaction method, he needs to install the application provided by the financial institution corresponding to the offline transaction method, which makes the transaction efficiency low and the transaction success rate low. If the user does not install the application, the user needs to download, install, register an account, etc., which further makes the transaction efficiency and transaction success rate low. For this reason, it is necessary to provide a technical solution for selecting different offline transaction methods for different scenarios. Summary of the invention

[0003] The purpose of the embodiments of this specification is to provide a technical solution for selecting different offline transaction methods for different scenarios.

[0004] In order to implement the above technical solution, the embodiments of this specification are implemented as follows:

[0005] An offline transaction processing method provided in an embodiment of the present specification is applied to a first terminal of a transaction initiator, and the method includes: for a target transaction, obtaining information on the current network connection status of the first terminal. If the current network connection status of the first terminal is connected, and it is determined that the network connection status of the second terminal of the transaction target party of the target transaction is disconnected, or the current network connection status of the first terminal is disconnected, then determining whether the first terminal can output a transaction identification code for triggering offline transaction processing of the target transaction. Based on the determination result of whether the first terminal can output the transaction identification code, selecting an offline transaction strategy corresponding to the determination result, and performing offline transaction processing on the target transaction between the first terminal and the second terminal based on the selected offline transaction strategy.

[0006] An embodiment of the present specification provides an offline transaction processing device, the device comprising: a network status acquisition module, for a target transaction, to acquire information about the current network connection status of the device. A judgment module, if the current network connection status of the device is connected, and it is determined that the network connection status of the second terminal of the transaction target party of the target transaction is disconnected, or if the current network connection status of the device is disconnected, then it is judged whether the device can output a transaction identification code for triggering offline transaction processing of the target transaction. An offline transaction module, based on the judgment result of whether the device can output the transaction identification code, selects an offline transaction strategy corresponding to the judgment result, and performs offline transaction processing on the target transaction between the second terminal based on the selected offline transaction strategy.

[0007] An embodiment of the present specification provides an offline transaction processing device, the offline transaction processing device is provided with a trusted execution environment, including: a processor; and a memory arranged to store computer executable instructions, the executable instructions when being executed, enable the processor: for a target transaction, obtain information on the current network connection status of the offline transaction processing device. If the current network connection status of the offline transaction processing device is connected, and it is determined that the network connection status of the second terminal of the transaction target party of the target transaction is disconnected, or the current network connection status of the offline transaction processing device is disconnected, then determine whether the offline transaction processing device can output a transaction identification code for triggering offline transaction processing of the target transaction. Based on the judgment result of whether the offline transaction processing device can output the transaction identification code, select an offline transaction strategy corresponding to the judgment result, and perform offline transaction processing on the target transaction between the second terminal based on the selected offline transaction strategy.

[0008] The embodiments of this specification also provide a storage medium, wherein the storage medium is used to store computer executable instructions, and the executable instructions implement the following process when executed: for a target transaction, obtain information on the current network connection status of the first terminal. If the current network connection status of the first terminal is connected, and it is determined that the network connection status of the second terminal of the transaction target party of the target transaction is not connected, or the current network connection status of the first terminal is not connected, then determine whether the first terminal can output a transaction identification code for triggering offline transaction processing of the target transaction. Based on the judgment result of whether the first terminal can output the transaction identification code, select an offline transaction strategy corresponding to the judgment result, and perform offline transaction processing on the target transaction between the first terminal and the second terminal based on the selected offline transaction strategy. BRIEF DESCRIPTION OF THE DRAWINGS

[0009] In order to more clearly illustrate the embodiments of this specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0010] Figure 1 This is an embodiment of an offline transaction processing method of this specification;

[0011] Figure 2 This is a schematic diagram of the structure of an offline transaction processing system in this specification;

[0012] Figure 3 This is another embodiment of an offline transaction processing method of this specification;

[0013] Figure 4 This is a schematic diagram of an offline transaction processing process in this specification;

[0014] Figure 5 This is an embodiment of an offline transaction processing device of this specification;

[0015] Figure 6 This is an embodiment of an offline transaction processing device in this specification. DETAILED DESCRIPTION

[0016] The embodiments of this specification provide a method, device and equipment for processing offline transactions.

[0017] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the drawings in the embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Based on the embodiments in this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this specification.

[0018] Embodiment 1

[0019] like Figure 1 As shown, the embodiment of this specification provides a method for processing offline transactions, and the execution subject of the method can be a first terminal of the transaction initiator, wherein the first terminal can be a mobile terminal device such as a mobile phone, a tablet computer, or a computer device such as a laptop or a desktop computer. The method can specifically include the following steps:

[0020] In step S102, for the target transaction, information on the current network connection status of the first terminal is obtained.

[0021] The target transaction may be any transaction, for example, a user purchases a product in an offline store opened by a merchant, and the user settles the purchase with the merchant through a payment application installed in the first terminal, thereby constituting a transaction. The specific transaction may be set according to the actual situation, and the embodiments of this specification do not limit this. The network connection status may be used to characterize the situation in which the terminal device is connected to the network, and the network connection status may include unconnected and connected states, etc. The first terminal may be a terminal device used by the transaction initiator, and the first terminal may be a mobile terminal device such as a mobile phone, a tablet computer, or a computer device such as a laptop or a desktop computer.

[0022] In practice, using offline transactions without a network connection is an important supplement to online transactions. Currently, offline transactions are still in the initial development and user education stage. Common offline transaction methods may include offline transaction processing by scanning offline transaction graphic codes (such as QR codes, etc.), offline transaction processing by on-site communication, offline transaction processing by offline voiceprints, and offline transaction processing by Bluetooth, etc. However, the above offline transaction processing methods are provided by different organizations or applications, that is, different organizations or applications have designated offline transaction methods provided to users. For example, some financial institutions provide users with a method of processing offline transactions by scanning offline transaction graphic codes, while other financial institutions provide users with a method of processing offline transactions by scanning offline transaction graphic codes. Some financial institutions provide users with offline transaction processing methods through on-site communication, and some financial institutions provide users with offline transaction processing methods through Bluetooth, etc. Therefore, if a user needs to conduct an offline transaction, he can only use the offline transaction method set by the financial institution corresponding to the transaction method he uses to complete a transaction. If a user needs to use a certain offline transaction method, he needs to install the application provided by the financial institution corresponding to the offline transaction method, which makes the transaction efficiency low and the transaction success rate low. If the user does not install the application, the user needs to download, install, register an account, etc., which further reduces the transaction efficiency and transaction success rate. For this reason, it is necessary to provide a technical solution for selecting different offline transaction methods for different scenarios. The embodiments of this specification provide an implementable technical solution, which may specifically include the following contents:

[0023] Offline transactions can be transactions conducted when the terminal devices used by both parties to the transaction are offline (i.e. not connected to the network or unable to connect to the network, etc.), or transactions conducted when the terminal devices used by either party to the transaction are offline. Figure 2As shown, for the terminal device of the transaction initiator (i.e., the first terminal), the transaction initiator can select the transaction object to be traded (for example, the transaction initiator can select the goods to be purchased in an offline store). After the selection is completed, the selected items can be provided to the settlement manager, and the manager can calculate the resources required to transfer the selected items (such as the amount to be paid, etc.). After the calculation is completed, the transaction initiator needs to provide the manager with the information of the account to which the resources are transferred through its first terminal. At this time, the current network connection status information can be obtained, wherein the way to obtain the network connection status information may include multiple methods, for example, the first terminal can regularly or irregularly detect its network connection status and record its network connection status information.

[0024] In addition, the first terminal may also synchronize its network connection status information to a designated server (such as a transaction server, etc.); if the time period during which the network connection status information of the first terminal has not been updated exceeds a preset time threshold, the network connection status of the first terminal may be set to be disconnected or the network connection is disconnected, etc.; alternatively, the designated server may also periodically or irregularly send a heartbeat request or a detection request for the network connection to the first terminal; the first terminal may send its network connection status information to the designated server; the designated server may record the network connection status information; if the designated server does not receive the network connection status information of the first terminal within a preset time period, the network connection status of the first terminal may be set to be disconnected or the network connection is disconnected, etc.; the specific setting may be based on actual conditions, and the embodiments of this specification are not limited to this.

[0025] In step S104, if the current network connection status of the first terminal is connected, and the network connection status of the second terminal of the transaction target party of the target transaction is determined to be disconnected, or the current network connection status of the first terminal is disconnected, it is determined whether the first terminal can output a transaction identification code for triggering offline transaction processing of the target transaction.

[0026] Among them, the transaction target party may be a party that provides a transaction object to the user of the first terminal, wherein the transaction object may be an object to be traded, such as a commodity, etc., and the transaction target party may be a merchant, etc. The second terminal may be a mobile terminal device such as a mobile phone, a tablet computer, or a computer device such as a laptop or a desktop computer, or a POS machine or a cash register, etc., which may be set according to actual conditions, and the embodiments of this specification do not limit this. The transaction identification code may be used to provide information about an account required for a transaction, etc. In actual applications, a coding method may be pre-set, and the information about the above account may be coded by the coding method to obtain a corresponding coding result, which may be used as a transaction identification code. The transaction identification code may include a variety of different presentation methods, such as a graphic code (such as a QR code or a barcode, etc.), or a transaction identification code may be coded based on the user's biometric features (such as a voiceprint feature code, a facial feature code, etc.), etc., which may be set according to actual conditions, and the embodiments of this specification do not limit this.

[0027] In implementation, the second terminal may also periodically or irregularly detect its network connection status and record its network connection status information. In addition, the second terminal may also synchronize its network connection status information to the designated server. If the time period for which the information on the network connection status of the second terminal has not been updated exceeds a preset time threshold, the network connection status of the second terminal may be set to be disconnected or the network connection has been disconnected, etc. Alternatively, the designated server may also periodically or irregularly send a heartbeat request or detection request for the network connection to the second terminal. The second terminal may send its network connection status information to the designated server. The designated server may record the network connection status information. If the designated server does not receive the information on the network connection status of the second terminal within the preset time period, the network connection status of the second terminal may be set to be disconnected or the network connection has been disconnected, etc. The specific setting may be based on actual conditions, and the embodiments of this specification do not limit this.

[0028] If the first terminal detects that the current network connection state is connected, the first terminal may send a request to the designated server to obtain the information of the network connection state of the second terminal. The designated server may send the information of the network connection state of the second terminal to the first terminal. If the network connection state of the second terminal is not connected, the first terminal may determine that an offline transaction is required. At this time, the processing process for generating a transaction identification code for offline transaction processing of the target transaction and the working state of each component involved (such as the load condition of the processor, the storage state of the memory, etc.) may be detected. In addition, the processing process for outputting the transaction identification code and the working state of each component involved (such as the working state of the display component, the load condition of the processor, etc.) may also be detected. Through the above detection process, it can be determined whether the first terminal can output the transaction identification code for triggering offline transaction processing of the target transaction. For example, if one or more of the above processing processes are abnormal, and / or one or more of the above components are abnormal, it can be determined that the first terminal cannot output the transaction identification code for triggering offline transaction processing of the target transaction. Otherwise, the first terminal can output the transaction identification code for triggering offline transaction processing of the target transaction. The specific setting can be based on actual conditions, and the embodiments of this specification are not limited to this.

[0029] In addition, if the first terminal detects that the current network connection status is not connected, the first terminal can determine that an offline transaction is required. At this time, the processing process of generating a transaction identification code for offline transaction processing of the target transaction and the working status of the various components involved can be detected. In addition, the processing process of outputting the transaction identification code and the working status of the various components involved can also be detected. Through the above-mentioned detection and processing, it can be determined whether the first terminal can output the transaction identification code for triggering offline transaction processing of the target transaction. The specific setting can be based on actual conditions, and the embodiments of this specification are not limited to this.

[0030] In step S106, based on the determination result of whether the first terminal can output the transaction identification code, an offline transaction strategy corresponding to the determination result is selected, and offline transaction processing is performed on the target transaction with the second terminal based on the selected offline transaction strategy.

[0031] Among them, the offline transaction strategy can be a transaction strategy that includes relevant information such as the offline transaction method and the offline transaction processing flow. The offline transaction strategy can include multiple types, for example, it can include a strategy for establishing a connection via Bluetooth and then conducting offline transactions, a strategy for establishing a connection via a radio frequency signal (such as an infrared signal, etc.) and then conducting offline transactions, etc. The specific settings can be based on actual conditions, and the embodiments of this specification do not limit this.

[0032] In implementation, different offline transaction strategies can be pre-constructed according to actual conditions, and the constructed offline transaction strategies can be stored in a designated storage device or blockchain system. If it is determined based on the judgment result that the first terminal can output the above-mentioned transaction identification code, the offline transaction strategy corresponding to the judgment result can be selected from the above-mentioned storage device or blockchain system, and the first terminal and the second terminal perform offline transaction processing based on the selected offline transaction strategy. For example, if it is determined based on the judgment result that the first terminal can output the above-mentioned transaction identification code, the first terminal can output the above-mentioned transaction identification code, and the second terminal can collect the above-mentioned transaction identification code through the decoding and recognition component of the transaction identification code, and then, a designated connection can be established with the first terminal (such as establishing a connection through Bluetooth or establishing a connection through a designated local area network, etc.), and through the above connection, the first terminal and the second terminal can perform offline transaction processing (that is, the second terminal parses the transaction identification code, can obtain the account information of the transaction initiator, and can perform resource transfer processing based on the account information and the transaction information of the target transaction, and after the resource transfer processing is successful, the second terminal can send a notification message of successful resource transfer processing to the first terminal, etc.).

[0033] The embodiments of the present specification provide a method for processing offline transactions. A first terminal of a transaction initiator obtains information about the current network connection status of the first terminal for a target transaction. If the current network connection status of the first terminal is connected, and it is determined that the network connection status of a second terminal of the transaction target party of the target transaction is disconnected, or the current network connection status of the first terminal is disconnected, it is determined whether the first terminal can output a transaction identification code for triggering offline transaction processing of the target transaction. Then, based on the judgment result of whether the first terminal can output the transaction identification code, an offline transaction strategy corresponding to the judgment result is selected, and offline transaction processing is performed on the target transaction between the first terminal and the second terminal based on the selected offline transaction strategy. In this way, the offline transaction method most suitable for the current situation can be adaptively selected according to the network connection status, payment scenario, and payment environment of the first terminal of the transaction initiator, thereby improving the efficiency of offline transactions and the success rate of offline transactions, and greatly improving the transaction experience of users.

[0034] Embodiment 2

[0035] like Figure 3 As shown, the embodiment of this specification provides a method for processing offline transactions, and the execution subject of the method can be a first terminal of the transaction initiator, wherein the first terminal can be a mobile terminal device such as a mobile phone, a tablet computer, or a computer device such as a laptop or a desktop computer. The method can specifically include the following steps:

[0036] In step S302, for the target transaction, information on the current network connection status of the first terminal is obtained.

[0037] In step S304, if the current network connection status of the first terminal is connected, and the network connection status of the second terminal of the transaction target party of the target transaction is determined to be disconnected, or the current network connection status of the first terminal is disconnected, it is determined whether the first terminal can output a transaction identification code for triggering offline transaction processing of the target transaction.

[0038] The transaction identification code may include a graphic code and a code of a biometric feature of the user of the first terminal. The graphic code may be a graphic that records data symbol information distributed in a plane (i.e., in a two-dimensional direction) according to a certain rule using a certain specific geometric figure, and may specifically include a two-dimensional code, a barcode, etc. Biometric features may include multiple types, such as fingerprint features, palm print features, facial features, voice print features, etc., which may be set according to actual conditions, and the embodiments of this specification do not limit this.

[0039] The specific processing procedures of the above steps S302 and S304 can refer to the relevant contents in the above embodiment 1, which will not be described again here.

[0040] In addition, the offline transaction strategy involved in the above-mentioned embodiment 1 may include one or more of an offline transaction strategy based on NFC, an offline transaction strategy based on Bluetooth, and an offline transaction strategy based on a local area network in actual applications.

[0041] Based on the above content, the specific processing of step S106 in the above embodiment 1 can be varied. Three optional processing methods are provided below, which can specifically include the processing of the following steps S306 to S314.

[0042] In step S306, if the judgment result based on whether the first terminal can output the transaction identification code indicates that the first terminal cannot output the transaction identification code, an offline transaction strategy based on NFC is selected as the offline transaction strategy corresponding to the judgment result.

[0043] In implementation, Figure 4 As shown, if the above judgment result indicates that the first terminal cannot output the above transaction identification code, it means that the second terminal cannot perform the offline transaction by identifying the transaction identification code, but can only choose other methods. In addition, considering that the first terminal and the second terminal need to perform offline transactions, the on-site communication method can be used to perform this offline transaction. Specifically, an offline transaction strategy based on on-site communication NFC can be selected from a storage device or blockchain system that stores offline transaction strategies, and the offline transaction strategy based on on-site communication NFC can be used as the offline transaction strategy corresponding to the judgment result.

[0044] The specific processing of the above step S306 can be varied. An optional processing method is provided below, which may specifically include the following: if the judgment result based on whether the first terminal can output the transaction identification code indicates that the first terminal is in a shutdown state, then the offline transaction strategy based on NFC is selected as the offline transaction strategy corresponding to the judgment result.

[0045] In implementation, Figure 4 As shown, if the above judgment result indicates that the first terminal is in a shutdown state, it can be determined that the first terminal cannot output the above transaction identification code. At this time, the specific processing of the above step S306 can be executed.

[0046] In addition to implementing the processing of the above step S106 in the above manner, the processing of the above step S106 may also be implemented in the following manner, which may specifically include the following related contents.

[0047] In step S308, if the result of the determination based on whether the first terminal is capable of outputting the transaction identification code indicates that the first terminal is capable of outputting the transaction identification code, it is determined whether the second terminal is in the same local area network as the first terminal.

[0048] In implementation, Figure 4 As shown, if the above judgment result indicates that the first terminal is capable of outputting the above transaction identification code, the first terminal can output the above transaction identification code (specifically, such as displaying a graphic code, outputting voiceprint information (which can be text, graphics or audio data, etc.), outputting facial feature encoding, etc.), and the second terminal can collect the above transaction identification code through the transaction identification code decoding and recognition component, and then determine whether the second terminal is in the same local area network as the first terminal. For example, the current device list can be obtained from the gateway to determine whether it includes the information of the second terminal. If so, it is determined that the second terminal is in the same local area network as the first terminal. Otherwise, the second terminal is not in the same local area network as the first terminal.

[0049] In step S310, if yes, the offline transaction strategy based on the local area network is selected as the offline transaction strategy corresponding to the above judgment result.

[0050] In implementation, Figure 4 As shown, if it is determined that the second terminal and the first terminal are in the same local area network, an offline transaction strategy based on the local area network can be selected from a storage device or blockchain system that stores offline transaction strategies, and the offline transaction strategy based on the local area network can be used as the offline transaction strategy corresponding to the judgment result.

[0051] In step S312, if the second terminal and the first terminal are in different local area networks, the Bluetooth-based offline transaction strategy is selected as the offline transaction strategy corresponding to the above judgment result.

[0052] In implementation, Figure 4 As shown, if it is determined that the second terminal is not in the same local area network as the first terminal, you can choose to conduct this offline transaction by establishing a connection through Bluetooth. Specifically, you can select a Bluetooth-based offline transaction strategy from a storage device or blockchain system that stores offline transaction strategies, and you can use the Bluetooth-based offline transaction strategy as the offline transaction strategy corresponding to the judgment result.

[0053] In step S314, offline transaction processing is performed on the target transaction with the second terminal based on the selected offline transaction strategy.

[0054] In implementation, Figure 4 As shown, if the selected offline transaction strategy is an offline transaction strategy based on NFC, the transaction initiator can bring the first terminal close to the second terminal and establish a communication connection with the second terminal through the NFC module in the first terminal. The NFC module can include a secure element (SE), a contactless front end CLF (or NFC controller), a radio frequency antenna (Antenna), etc. Through the above components of the NFC module, a communication connection can be established between the first terminal and the second terminal, and secure data interaction can be performed, thereby finally completing the offline transaction.

[0055] If the selected offline transaction strategy is a Bluetooth-based offline transaction strategy, the transaction initiator can activate the Bluetooth of the first terminal. In addition, the transaction target party can also activate the Bluetooth of the second terminal. Then, a Bluetooth connection can be established between the first terminal and the second terminal. A communication connection is established through the Bluetooth in the first terminal and the Bluetooth in the second terminal. Based on the established Bluetooth communication connection, data can be exchanged between the first terminal and the second terminal, and finally the offline transaction is completed.

[0056] If the selected offline transaction strategy is an offline transaction strategy based on a local area network, the first terminal of the transaction initiator can establish a communication connection with the second terminal through the gateway of the local area network. Then, the first terminal can send the information that needs to be sent to the second terminal to the gateway, and the gateway will forward the information to the second terminal. Similarly, the second terminal can send the information that needs to be returned to the first terminal to the gateway, and the gateway will forward the information to the first terminal. Based on the above interaction process, the offline transaction can eventually be completed between the first terminal and the second terminal.

[0057] In step S316, if the current network connection state of the first terminal is connected and the network connection state of the second terminal is connected, the first terminal and the second terminal perform online transaction processing on the target transaction through the connected network.

[0058] In implementation, Figure 4 As shown, if the current network connection status of the first terminal is connected and the network connection status of the second terminal is connected, the first terminal can display an online transaction identification code (such as an online graphic code, etc.), and the second terminal can collect the above online transaction identification code through the decoding and recognition component of the transaction identification code, and then, the online transaction identification code can be parsed to obtain the account information of the transaction initiator, and the account information and the transaction information of the target transaction can be sent to the server. The server can perform resource transfer processing (such as transfer or payment, etc.) based on the account information and the transaction information of the target transaction. After the resource transfer processing is successful, the server can send a notification message of the successful resource transfer processing to the second terminal and the first terminal.

[0059] The embodiments of the present specification provide a method for processing offline transactions. A first terminal of a transaction initiator obtains information about the current network connection status of the first terminal for a target transaction. If the current network connection status of the first terminal is connected, and it is determined that the network connection status of a second terminal of the transaction target party of the target transaction is disconnected, or the current network connection status of the first terminal is disconnected, it is determined whether the first terminal can output a transaction identification code for triggering offline transaction processing of the target transaction. Then, based on the judgment result of whether the first terminal can output the transaction identification code, an offline transaction strategy corresponding to the judgment result is selected, and offline transaction processing is performed on the target transaction between the first terminal and the second terminal based on the selected offline transaction strategy. In this way, the offline transaction method most suitable for the current situation can be adaptively selected according to the network connection status, payment scenario, and payment environment of the first terminal of the transaction initiator, thereby improving the efficiency of offline transactions and the success rate of offline transactions, and greatly improving the transaction experience of users.

[0060] In addition, subsequent transaction processing can be performed based on the interaction method selected by the user (NFC, transaction identification code (such as QR code)), and the current network environment (LAN, Bluetooth) can be automatically detected to select a suitable networking method for communication connection, further improving the transaction success rate and transaction efficiency.

[0061] Embodiment 3

[0062] The above is a method for processing offline transactions provided in the embodiments of this specification. Based on the same idea, the embodiments of this specification also provide a device for processing offline transactions, such as Figure 5 shown.

[0063] The offline transaction processing device includes: a network status acquisition module 501, a judgment module 502 and an offline transaction module 503, wherein:

[0064] The network status acquisition module 501 acquires information about the current network connection status of the device for the target transaction;

[0065] The judgment module 502 judges whether the device can output a transaction identification code for triggering offline transaction processing for the target transaction if the current network connection state of the device is connected and it is determined that the network connection state of the second terminal of the transaction target party of the target transaction is disconnected, or the current network connection state of the device is disconnected;

[0066] The offline transaction module 503 selects an offline transaction strategy corresponding to the judgment result based on whether the device can output the transaction identification code, and performs offline transaction processing on the target transaction with the second terminal based on the selected offline transaction strategy.

[0067] In the embodiment of this specification, the transaction identification code includes a graphic code and a code of a biometric feature of a user of the device.

[0068] In the embodiments of the present specification, the offline transaction strategy includes one or more of an offline transaction strategy based on NFC, an offline transaction strategy based on Bluetooth, and an offline transaction strategy based on a local area network.

[0069] In the embodiment of this specification, if the judgment result indicates that the device cannot output the transaction identification code, the offline transaction module 503 selects the offline transaction strategy based on NFC as the offline transaction strategy corresponding to the judgment result.

[0070] In the embodiment of this specification, if the judgment result indicates that the device is in the shutdown state, the offline transaction module 503 selects the offline transaction strategy based on NFC as the offline transaction strategy corresponding to the judgment result.

[0071] In the embodiment of this specification, the offline transaction module 503 includes:

[0072] a judging unit, for judging whether the second terminal and the device are in the same local area network if the judging result indicates that the device can output the transaction identification code;

[0073] The transaction strategy determination unit selects the offline transaction strategy based on the local area network as the offline transaction strategy corresponding to the judgment result if yes.

[0074] In the embodiment of this specification, the device further includes:

[0075] The transaction strategy determination module selects the Bluetooth-based offline transaction strategy as the offline transaction strategy corresponding to the judgment result if the second terminal and the device are in different local area networks.

[0076] In the embodiment of this specification, the device further includes:

[0077] The online transaction module performs online transaction processing on the target transaction between the device and the second terminal through the connected network if the current network connection status of the device is connected and the network connection status of the second terminal is connected.

[0078] The embodiments of the present specification provide an offline transaction processing device, for a target transaction, obtaining information on the current network connection status of the offline transaction processing device, if the current network connection status of the offline transaction processing device is connected, and it is determined that the network connection status of the second terminal of the transaction target party of the target transaction is disconnected, or the current network connection status of the offline transaction processing device is disconnected, then it is determined whether the offline transaction processing device can output a transaction identification code for triggering offline transaction processing of the target transaction, and then, based on the judgment result of whether the offline transaction processing device can output the transaction identification code, an offline transaction strategy corresponding to the judgment result is selected, and offline transaction processing is performed on the target transaction between the second terminal based on the selected offline transaction strategy. In this way, the offline transaction method most suitable for the current situation can be adaptively selected according to the network connection status, payment scenario, and payment environment of the offline transaction processing device of the transaction initiator, thereby improving the efficiency of offline transactions and the success rate of offline transactions, and greatly improving the transaction experience of users.

[0079] In addition, subsequent transaction processing can be performed based on the interaction method selected by the user (NFC, transaction identification code (such as QR code)), and the current network environment (LAN, Bluetooth) can be automatically detected to select a suitable networking method for communication connection, further improving the transaction success rate and transaction efficiency.

[0080] Embodiment 4

[0081] The above is an offline transaction processing device provided in the embodiment of this specification. Based on the same idea, the embodiment of this specification also provides an offline transaction processing device, such as Figure 6 shown.

[0082] The offline transaction processing device may be the first terminal provided in the above embodiment.

[0083] The processing device for offline transactions may have relatively large differences due to different configurations or performances, and may include one or more processors 601 and memory 602, and one or more storage applications or data may be stored in the memory 602. Among them, the memory 602 may be a short-term storage or a persistent storage. The application stored in the memory 602 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the processing device for offline transactions. Furthermore, the processor 601 may be configured to communicate with the memory 602 to execute a series of computer executable instructions in the memory 602 on the processing device for offline transactions. The processing device for offline transactions may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input and output interfaces 605, and one or more keyboards 606.

[0084] Specifically in this embodiment, the offline transaction processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions in the offline transaction processing device, and the one or more programs are configured to be executed by one or more processors, including computer executable instructions for performing the following:

[0085] For the target transaction, obtaining information on the current network connection status of the processing device of the offline transaction;

[0086] If the current network connection state of the offline transaction processing device is connected, and it is determined that the network connection state of the second terminal of the transaction target party of the target transaction is disconnected, or the current network connection state of the offline transaction processing device is disconnected, then determining whether the offline transaction processing device can output a transaction identification code for triggering offline transaction processing of the target transaction;

[0087] Based on the judgment result of whether the offline transaction processing device can output the transaction identification code, an offline transaction strategy corresponding to the judgment result is selected, and offline transaction processing is performed on the target transaction between the second terminal based on the selected offline transaction strategy.

[0088] In the embodiment of this specification, the transaction identification code includes a graphic code and a code of a biometric feature of a user of the offline transaction processing device.

[0089] In the embodiments of the present specification, the offline transaction strategy includes one or more of an offline transaction strategy based on NFC, an offline transaction strategy based on Bluetooth, and an offline transaction strategy based on a local area network.

[0090] In the embodiment of this specification, the determination result based on whether the offline transaction processing device can output the transaction identification code and selecting the offline transaction strategy corresponding to the determination result include:

[0091] If the judgment result indicates that the offline transaction processing device is unable to output the transaction identification code, the offline transaction strategy based on NFC is selected as the offline transaction strategy corresponding to the judgment result.

[0092] In the embodiment of this specification, if the judgment result indicates that the offline transaction processing device cannot output the transaction identification code, selecting the offline transaction strategy based on NFC as the offline transaction strategy corresponding to the judgment result includes:

[0093] If the judgment result indicates that the offline transaction processing device is in a shutdown state, the offline transaction strategy based on NFC is selected as the offline transaction strategy corresponding to the judgment result.

[0094] In the embodiment of this specification, the determination result based on whether the offline transaction processing device can output the transaction identification code and selecting the offline transaction strategy corresponding to the determination result include:

[0095] If the determination result indicates that the offline transaction processing device is capable of outputting the transaction identification code, determining whether the second terminal and the offline transaction processing device are in the same local area network;

[0096] If yes, the local area network-based offline transaction strategy is selected as the offline transaction strategy corresponding to the judgment result.

[0097] In the embodiments of this specification, it also includes:

[0098] If the second terminal and the offline transaction processing device are in different local area networks, the Bluetooth-based offline transaction strategy is selected as the offline transaction strategy corresponding to the judgment result.

[0099] In the embodiments of this specification, it also includes:

[0100] If the current network connection status of the offline transaction processing device is connected and the network connection status of the second terminal is connected, the offline transaction processing device and the second terminal perform online transaction processing on the target transaction through the connected network.

[0101] The embodiments of the present specification provide an offline transaction processing device, which obtains information about the current network connection status of the offline transaction processing device for a target transaction. If the current network connection status of the offline transaction processing device is connected, and it is determined that the network connection status of the second terminal of the transaction target party of the target transaction is disconnected, or the current network connection status of the offline transaction processing device is disconnected, it is determined whether the offline transaction processing device can output a transaction identification code for triggering offline transaction processing of the target transaction. Then, based on the judgment result of whether the offline transaction processing device can output the transaction identification code, an offline transaction strategy corresponding to the judgment result is selected, and offline transaction processing is performed on the target transaction between the second terminal based on the selected offline transaction strategy. In this way, the offline transaction method most suitable for the current situation can be adaptively selected according to the network connection status, payment scenario, and payment environment of the offline transaction processing device of the transaction initiator, thereby improving the efficiency of offline transactions and the success rate of offline transactions, and greatly improving the transaction experience of users.

[0102] In addition, subsequent transaction processing can be performed based on the interaction method selected by the user (NFC, transaction identification code (such as QR code)), and the current network environment (LAN, Bluetooth) can be automatically detected to select a suitable networking method for communication connection, further improving the transaction success rate and transaction efficiency.

[0103] Embodiment 5

[0104] Furthermore, based on the above Figures 1 to 4 In one embodiment, the present specification further provides a storage medium for storing computer executable instruction information. In a specific embodiment, the storage medium may be a USB flash drive, an optical disk, a hard disk, etc. When the computer executable instruction information stored in the storage medium is executed by the processor, the following process can be implemented:

[0105] For a target transaction, obtaining information about a current network connection status of the first terminal;

[0106] If the current network connection state of the first terminal is connected, and it is determined that the network connection state of the second terminal of the transaction target party of the target transaction is disconnected, or the current network connection state of the first terminal is disconnected, determining whether the first terminal can output a transaction identification code for triggering offline transaction processing of the target transaction;

[0107] Based on the judgment result of whether the first terminal can output the transaction identification code, an offline transaction strategy corresponding to the judgment result is selected, and offline transaction processing is performed on the target transaction between the first terminal and the second terminal based on the selected offline transaction strategy.

[0108] In the embodiment of this specification, the transaction identification code includes a graphic code and a code of a biometric feature of a user of the first terminal.

[0109] In the embodiments of the present specification, the offline transaction strategy includes one or more of an offline transaction strategy based on NFC, an offline transaction strategy based on Bluetooth, and an offline transaction strategy based on a local area network.

[0110] In the embodiment of this specification, the selecting of the offline transaction strategy corresponding to the judgment result based on whether the first terminal can output the transaction identification code includes:

[0111] If the judgment result indicates that the first terminal cannot output the transaction identification code, the offline transaction strategy based on NFC is selected as the offline transaction strategy corresponding to the judgment result.

[0112] In the embodiment of this specification, if the judgment result indicates that the first terminal cannot output the transaction identification code, selecting the offline transaction strategy based on NFC as the offline transaction strategy corresponding to the judgment result includes:

[0113] If the judgment result indicates that the first terminal is in a powered-off state, the offline transaction strategy based on NFC is selected as the offline transaction strategy corresponding to the judgment result.

[0114] In the embodiment of this specification, the selecting of the offline transaction strategy corresponding to the judgment result based on whether the first terminal can output the transaction identification code includes:

[0115] If the determination result indicates that the first terminal is capable of outputting the transaction identification code, determining whether the second terminal is in the same local area network as the first terminal;

[0116] If yes, the local area network-based offline transaction strategy is selected as the offline transaction strategy corresponding to the judgment result.

[0117] In the embodiments of this specification, it also includes:

[0118] If the second terminal and the first terminal are in different local area networks, the Bluetooth-based offline transaction strategy is selected as the offline transaction strategy corresponding to the judgment result.

[0119] In the embodiments of this specification, it also includes:

[0120] If the current network connection state of the first terminal is connected and the network connection state of the second terminal is connected, the first terminal and the second terminal perform online transaction processing on the target transaction through the connected network.

[0121] The embodiments of the present specification provide a storage medium, which obtains information about the current network connection status of a first terminal for a target transaction. If the current network connection status of the first terminal is connected, and it is determined that the network connection status of the second terminal of the transaction target party of the target transaction is disconnected, or the current network connection status of the first terminal is disconnected, it is determined whether the first terminal can output a transaction identification code for triggering offline transaction processing of the target transaction. Then, based on the judgment result of whether the first terminal can output the transaction identification code, an offline transaction strategy corresponding to the judgment result is selected, and offline transaction processing is performed on the target transaction between the second terminal based on the selected offline transaction strategy. In this way, the offline transaction method most suitable for the current situation can be adaptively selected according to the network connection status, payment scenario, and payment environment of the first terminal of the transaction initiator, thereby improving the efficiency of offline transactions and the success rate of offline transactions, and greatly improving the transaction experience of users.

[0122] In addition, subsequent transaction processing can be performed based on the interaction method selected by the user (NFC, transaction identification code (such as QR code)), and the current network environment (LAN, Bluetooth) can be automatically detected to select a suitable networking method for communication connection, further improving the transaction success rate and transaction efficiency.

[0123] The above is a description of a specific embodiment of the 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 the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0124] In the 1990s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the method flow). However, with the development of technology, many improvements to the method flow today can be regarded as direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using a hardware entity module. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask a chip manufacturer to design and produce a dedicated integrated circuit chip. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0125] The controller can be implemented in any appropriate manner, for example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (such as software or firmware) that can be executed by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that in addition to implementing the controller in a purely computer-readable program code manner, the controller can be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, this controller can be considered as a hardware component, and the devices included therein for implementing various functions can also be regarded as structures within the hardware component. Or even, the devices for implementing various functions can be regarded as both software modules for implementing the method and structures within the hardware component.

[0126] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0127] For the convenience of description, the above devices are described in terms of functions and are divided into various units. Of course, when implementing one or more embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0128] Those skilled in the art will appreciate that the embodiments of this specification may be provided as methods, systems, or computer program products. Therefore, one or more embodiments of this specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, one or more embodiments of this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0129] The embodiments of this specification are described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable fraud case serial and parallel device to produce a machine, so that the instructions executed by the processor of the computer or other programmable fraud case serial and parallel device generate instructions for implementing the process in the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0130] These computer program instructions may also be stored in a computer readable memory capable of directing a computer or other programmable fraud case serial and parallel device to operate in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0131] These computer program instructions may also be loaded onto a computer or other programmable device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, whereby the instructions executed on the computer or other programmable device provide for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0132] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0133] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0134] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0135] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0136] It should be understood by those skilled in the art that the embodiments of this specification may be provided as methods, systems or computer program products. Therefore, one or more embodiments of this specification may take the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware. Moreover, one or more embodiments of this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

[0137] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0138] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0139] The above description is only an embodiment of the present specification and is not intended to limit the present specification. For those skilled in the art, the present specification may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification shall be included in the scope of the claims of the present specification.

Claims

1. A method for processing an offline transaction, applied to a first terminal of a transaction initiator, the method comprising: For a target transaction, obtaining information about a current network connection status of the first terminal; If the current network connection state of the first terminal is connected, and it is determined that the network connection state of the second terminal of the transaction target party of the target transaction is disconnected, or the current network connection state of the first terminal is disconnected, determining whether the first terminal can output a transaction identification code for triggering offline transaction processing of the target transaction; Based on a judgment result of whether the first terminal is capable of outputting the transaction identification code, an offline transaction strategy corresponding to the judgment result is selected, and offline transaction processing is performed on the target transaction between the second terminal based on the selected offline transaction strategy, the offline transaction strategy includes an offline transaction strategy based on near field communication NFC, the offline transaction strategy includes at least one of an offline transaction strategy based on Bluetooth and an offline transaction strategy based on a local area network, the judgment result corresponding to the offline transaction strategy based on near field communication NFC is that the transaction identification code cannot be output, and the judgment results corresponding to the offline transaction strategy based on Bluetooth and the offline transaction strategy based on the local area network are that the transaction identification code can be output.

2. The method according to claim 1, wherein the transaction identification code comprises a graphic code or a code of a biometric feature of a user of the first terminal.

3. The method according to claim 1, wherein the selecting, based on the determination result of whether the first terminal is capable of outputting the transaction identification code, an offline transaction strategy corresponding to the determination result comprises: If the judgment result indicates that the first terminal cannot output the transaction identification code, the offline transaction strategy based on near field communication NFC is selected as the offline transaction strategy corresponding to the judgment result.

4. The method according to claim 3, wherein if the judgment result indicates that the first terminal cannot output the transaction identification code, selecting the offline transaction strategy based on near field communication NFC as the offline transaction strategy corresponding to the judgment result comprises: If the judgment result indicates that the first terminal is in a powered-off state, the offline transaction strategy based on near field communication NFC is selected as the offline transaction strategy corresponding to the judgment result.

5. The method according to claim 2, wherein the selecting, based on the determination result of whether the first terminal is capable of outputting the transaction identification code, an offline transaction strategy corresponding to the determination result comprises: If the determination result indicates that the first terminal is capable of outputting the transaction identification code, determining whether the second terminal is in the same local area network as the first terminal; If yes, the local area network-based offline transaction strategy is selected as the offline transaction strategy corresponding to the judgment result.

6. The method according to claim 5, further comprising: If the second terminal and the first terminal are in different local area networks, the Bluetooth-based offline transaction strategy is selected as the offline transaction strategy corresponding to the judgment result.

7. The method according to claim 1, further comprising: If the current network connection state of the first terminal is connected and the network connection state of the second terminal is connected, the first terminal and the second terminal perform online transaction processing on the target transaction through the connected network.

8. A device for processing offline transactions, the device comprising: A network status acquisition module, for a target transaction, acquires information about the current network connection status of the device; a judgment module, if the current network connection state of the device is connected, and it is determined that the network connection state of the second terminal of the transaction target party of the target transaction is disconnected, or the current network connection state of the device is disconnected, then judging whether the device can output a transaction identification code for triggering offline transaction processing of the target transaction; The offline transaction module selects an offline transaction strategy corresponding to the judgment result based on whether the device can output the transaction identification code, and performs offline transaction processing on the target transaction between the second terminal based on the selected offline transaction strategy, wherein the offline transaction strategy includes an offline transaction strategy based on near field communication NFC, and the offline transaction strategy includes at least one of an offline transaction strategy based on Bluetooth and an offline transaction strategy based on a local area network, and the judgment result corresponding to the offline transaction strategy based on near field communication NFC is that the transaction identification code cannot be output, and the judgment results corresponding to the offline transaction strategy based on Bluetooth and the offline transaction strategy based on the local area network are that the transaction identification code can be output.

9. A device for processing offline transactions, the device comprising: processor; as well as a memory arranged to store computer executable instructions which, when executed, cause the processor to: For the target transaction, obtaining information on the current network connection status of the processing device of the offline transaction; If the current network connection state of the offline transaction processing device is connected, and it is determined that the network connection state of the second terminal of the transaction target party of the target transaction is disconnected, or the current network connection state of the offline transaction processing device is disconnected, then determining whether the offline transaction processing device can output a transaction identification code for triggering offline transaction processing of the target transaction; Based on the judgment result of whether the offline transaction processing device can output the transaction identification code, an offline transaction strategy corresponding to the judgment result is selected, and offline transaction processing is performed on the target transaction between the second terminal based on the selected offline transaction strategy, the offline transaction strategy includes an offline transaction strategy based on near field communication NFC, and the offline transaction strategy includes at least one of an offline transaction strategy based on Bluetooth and an offline transaction strategy based on a local area network. The judgment result corresponding to the offline transaction strategy based on near field communication NFC is that the transaction identification code cannot be output, and the judgment results corresponding to the offline transaction strategy based on Bluetooth and the offline transaction strategy based on the local area network are that the transaction identification code can be output.

10. A storage medium for storing computer executable instructions, wherein the executable instructions implement the following process when executed by a processor: For the target transaction, obtaining information about the current network connection status of the first terminal; If the current network connection state of the first terminal is connected, and it is determined that the network connection state of the second terminal of the transaction target party of the target transaction is disconnected, or the current network connection state of the first terminal is disconnected, determining whether the first terminal can output a transaction identification code for triggering offline transaction processing of the target transaction; Based on a judgment result of whether the first terminal is capable of outputting the transaction identification code, an offline transaction strategy corresponding to the judgment result is selected, and offline transaction processing is performed on the target transaction between the second terminal based on the selected offline transaction strategy, the offline transaction strategy includes an offline transaction strategy based on near field communication NFC, the offline transaction strategy includes at least one of an offline transaction strategy based on Bluetooth and an offline transaction strategy based on a local area network, the judgment result corresponding to the offline transaction strategy based on near field communication NFC is that the transaction identification code cannot be output, and the judgment results corresponding to the offline transaction strategy based on Bluetooth and the offline transaction strategy based on the local area network are that the transaction identification code can be output.

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