Payment method and apparatus, and electronic device

Abstract

The embodiment of the invention discloses a payment method and device and electronic equipment, and the method comprises the steps: recognizing payment information from a payment account corresponding to a payment user when there is no network connection, and enabling the payment information to reflect payment authorization information; generating a payment authorization certificate according to the payment information; the payment authorization voucher is stored in a system memory, so that in a network connection state, the payment authorization voucher is used for requesting a server to deduct money from the payment account, and the system memory is a system memory of a collection terminal where the collection application is located.

Description

[0001] This application is a divisional application of the invention application entitled "A payment method, device and electronic device", with parent application number "202010203476.0" and parent application date of March 20, 2020. Technical Field

[0002] The embodiments in this specification relate to the field of computer technology, and in particular to a payment method, apparatus, and electronic device. Background Technology

[0003] A transaction is an exchange of equal value conducted under the mutual agreement of both buyer and seller, generally following the basic principle of cash on delivery. With the rapid development of electronic payments, users can now complete payments using only mobile devices, eliminating the need for cash and making transactions increasingly convenient. Electronic payments require both the buyer's and seller's devices to be connected to the internet. Users can directly use mobile phones or other terminals to make payments, such as scanning a merchant's QR code or having the merchant scan the user's payment code, deducting a certain amount from the user's payment account to the merchant's receiving account, thus completing a transaction in real time. Summary of the Invention

[0004] In view of this, embodiments of this specification provide a payment method, apparatus, and electronic device to solve the problem in the prior art that payment transactions are difficult to conduct smoothly when there is no network connection.

[0005] The embodiments in this specification adopt the following technical solutions: This specification provides an embodiment of a payment method applied to a payment application, including: When there is no network connection, the payment information from the payment account corresponding to the paying user is identified, and the payment information reflects the payment authorization information; Generate a payment authorization certificate based on the payment information; The payment authorization credential is stored in system memory so that, when connected to the network, the payment authorization credential can be used to request the server to deduct funds from the payment account. The system memory is the system memory of the payment terminal where the payment application is located.

[0006] This specification also provides a payment method for use in payment applications, including: In a network-connected state, the payment authorization credential stored in the system memory is obtained. The payment authorization credential is generated in a network-free state based on the payment information obtained from the payment account corresponding to the paying user. The payment information reflects the payment authorization information. The system memory is the system memory of the payment terminal where the payment application is located. The payment authorization certificate is used to send a deduction request to the server, so that the server, after verifying the deduction request, deducts the payment from the payment account according to the deduction request; Receive payment from the payment account.

[0007] This specification also provides a payment device for use in payment applications, comprising: The acquisition module identifies payment information from the payment account corresponding to the paying user when there is no network connection. The payment information reflects payment authorization information. The generation module generates a payment authorization certificate based on the payment information; The storage module stores the payment authorization certificate in system memory so that, when connected to the network, it can use the payment authorization certificate to request the server to deduct funds from the payment account. The system memory is the system memory of the payment terminal where the payment application is located.

[0008] This specification also provides a payment device for use in payment applications, comprising: The acquisition module, in the network connection state, acquires the payment authorization certificate stored in the system memory. The payment authorization certificate is generated in the offline state based on the payment information obtained from the payment account corresponding to the paying user. The payment information reflects the payment authorization information. The system memory is the system memory of the payment terminal where the payment application is located. The sending module sends a deduction request to the server based on the payment authorization certificate, so that the server, after verifying the deduction request, deducts the payment from the payment account according to the deduction request; The receiving module receives payment from the payment account.

[0009] This specification also provides an electronic device, including at least one processor and a memory, wherein the memory stores a program and is configured to have at least one processor perform the following steps: When there is no network connection, the payment information from the payment account corresponding to the paying user is identified, and the payment information reflects the payment authorization information; Generate a payment authorization certificate based on the payment information; The payment authorization credential is stored in system memory so that, when connected to the network, the payment authorization credential can be used to request the server to deduct funds from the payment account. The system memory is the system memory of the payment terminal where the payment application is located.

[0010] This specification also provides an electronic device, including at least one processor and a memory, wherein the memory stores a program and is configured to have at least one processor perform the following steps: In a network-connected state, the payment authorization credential stored in the system memory is obtained. The payment authorization credential is generated in a network-free state based on the payment information obtained from the payment account corresponding to the paying user. The payment information reflects the payment authorization information. The system memory is the system memory of the payment terminal where the payment application is located. The payment authorization certificate is used to send a deduction request to the server, so that the server, after verifying the deduction request, deducts the payment from the payment account according to the deduction request; Receive payment from the payment account.

[0011] The above-described at least one technical solution adopted in the embodiments of this specification can achieve the following beneficial effects: By generating payment authorization credentials based on payment information when there is no network connection and storing the payment authorization credentials in the system memory, the system can use the payment authorization credentials stored in the system memory to request the server to deduct funds from the corresponding payment account when the network connection is restored, thus completing the business transaction when there was no network connection.

[0012] By storing payment authorization credentials in system memory, the traceability of payment authorization credentials can be improved. When the network connection is restored, the proof information of the business transaction can be quickly recovered to realize offline transaction payment. Attached Figure Description

[0013] The accompanying drawings, which are included to provide a further understanding of the embodiments of this specification and form part of the embodiments of this specification, illustrate exemplary embodiments and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings: Figure 1 This is a schematic diagram of the structure of a payment system provided in an embodiment of this specification; Figure 2 A flowchart illustrating a payment method provided in an embodiment of this specification; Figure 3 A flowchart illustrating a payment method provided in an embodiment of this specification; Figure 4 A timing diagram of a payment method provided in an embodiment of this specification; Figure 5 A schematic diagram of a payment authorization certificate in a payment method provided in an embodiment of this specification; Figure 6 This is a schematic diagram of the structure of a payment device provided in an embodiment of this specification; Figure 7 This is a schematic diagram of a payment device provided in an embodiment of this specification. Detailed Implementation

[0014] Currently, payment methods generally involve electronic or mobile payments. For electronic or mobile payments to proceed smoothly, both parties' devices need a stable network environment. During electronic payments, environmental interference or other communication failures can cause instability in the network environment of both the buyer and seller's devices, or even prevent them from connecting to the network altogether. In such cases, it becomes difficult or impossible for the buyer and seller to conduct electronic or mobile payments.

[0015] Therefore, embodiments of this specification provide a payment method, apparatus, and electronic device. In a network-free state, a payment authorization credential is generated based on payment information and stored in system memory. When the network connection is restored, the payment authorization credential stored in system memory can be used to retrieve the corresponding payment information. This payment information can then be used to request a deduction from the payment account contained within the payment information from the server, completing the business transaction in the network-free state. By storing the payment authorization credential in system memory, the traceability of the payment authorization credential is improved, and business transactions can be quickly resumed when the network connection is restored, thus enabling offline transaction payments.

[0016] To make the objectives, technical solutions, and advantages of this application clearer, the technical solutions of this application will be clearly and completely described below with reference to specific embodiments and corresponding drawings. Obviously, the described embodiments are only a part of the embodiments in this specification, and not all of them. All other embodiments obtained by those skilled in the art based on the embodiments in this specification without creative effort are within the scope of protection of this application.

[0017] The technical solutions provided in the various embodiments of this specification are described in detail below with reference to the accompanying drawings.

[0018] Figure 1 This is a schematic diagram of the structure of a payment system provided in an embodiment of this specification.

[0019] In the embodiments described in this specification, the payment system includes a receiving terminal 100, a payment terminal 200, and a server 300.

[0020] The receiving terminal 100 is used to initiate payment collection to the payment terminal 200, obtain payment information from the payment terminal 200, generate a payment authorization certificate based on the payment information in the absence of network, and save the payment authorization certificate in the system memory so that when the network connection is restored, it can send a deduction request to the server 300 based on the payment authorization certificate to complete the business transaction.

[0021] Payment terminal 200 is used to make payments to collection terminal 100 based on the business transaction content. In the absence of network access, it displays payment information to collection terminal 100 to obtain corresponding business services.

[0022] Server 300 is used to verify the deduction request sent by the receiving terminal 100. After successful verification, it transfers the corresponding amount from the payment account of the payment terminal 200 to the receiving account of the receiving terminal 100 according to the deduction request, and returns the payment result to the receiving terminal 100 and the payment terminal 200.

[0023] In the embodiments described in this specification, the payment terminal 100 can refer to a payment device held by the user, specifically a mobile phone, tablet computer, POS machine, or other payment device, without specific limitations. The payment terminal 100 is equipped with a payment application for receiving payments, which can request the server 300 to deduct funds from the payment account corresponding to the payment terminal 200.

[0024] Server 300 may refer to the server corresponding to the payment application installed in the payment terminal 200. In specific application scenarios, the payment application used by the payment terminal 200 and the payment application used by the receiving terminal 100 may be the same payment application or different payment applications sharing the same server; no specific limitation is made here.

[0025] This specification provides a payment system in which, in the absence of a network, the receiving terminal 100 generates a payment authorization certificate based on payment information obtained from the paying terminal 200 and stores the payment authorization certificate in system memory. When the network connection is restored, the receiving terminal 100 can use the payment authorization certificate stored in system memory to retrieve the corresponding payment information, and then use this payment information to request the server 300 to deduct funds from the payment account corresponding to the paying terminal 200, thus completing the transaction in the offline state. By storing the payment authorization certificate in the system memory of the paying terminal 200, the traceability of the payment authorization certificate is improved, and the transaction can be quickly resumed when the network connection is restored, thereby realizing offline transaction payment.

[0026] Figure 2 This is a flowchart illustrating a payment method provided in an embodiment of this specification, wherein the payment method provided in this embodiment is applied to a payment collection application.

[0027] S201: When there is no network connection, identify payment information from the payment account corresponding to the paying user, wherein the payment information reflects payment authorization information.

[0028] In the embodiments of this specification, the paying user can refer to a user who conducts business transactions with the receiving user. The paying user can obtain business services provided by the receiving user by paying a certain amount of money to the receiving user, which may be shopping in a shopping mall, shopping on an in-flight, etc., without being specifically limited here.

[0029] A payment account can be understood as the account associated with the application on the payment device held by the paying user. This payment account stores a certain amount of electronic currency, which the user can use to make payments and obtain the necessary business services. In specific application scenarios, payment information can reflect payment authorization information. This authorization information refers to the paying user's authorization for the business transaction; that is, it grants the receiving user the authority to directly obtain the corresponding amount of payment from the corresponding payment account.

[0030] As one application example, identifying payment information from a payment user's payment account may include: In the absence of a network connection, identify payment information from the payment account.

[0031] In specific application scenarios, the payment terminal held by the paying user may be in a state without network connection. In this case, the paying user can use the payment terminal to verify the offline payment instruction locally. After successful verification, payment information is generated based on the offline payment instruction. In other words, payment information is generated after the receiving user and the paying user have completed the verification operation of the business transaction.

[0032] In the embodiments described in this specification, payment information can be understood as authorization information for deducting a specified amount from a designated payee when the network connection is disconnected, so that when the network connection is restored, the payee can use the payment information to request deduction from the server.

[0033] The payment information may include the transaction number, transaction amount, transaction time, payment account information, and receiving account information, but no specific restrictions are set here.

[0034] S203: Generate a payment authorization certificate based on the payment information.

[0035] In the embodiments of this specification, the payment authorization certificate can be understood as proof of deduction information that saves payment information in a certain way, so that it can be read later when the network connection is restored, so as to provide the server with proof of the business transaction of deducting payment.

[0036] "No network connection" refers to a state where the payment terminal and / or receiving terminal cannot connect to the network. In this state, the payment application and / or receiving application are offline and cannot connect to the server. In other words, in this situation, the payment cannot be deducted from the payment account. Instead, the receiving application is granted the authority to directly deduct the payment from the payment account once the network connection is restored, without requiring the paying user to re-authenticate and deduct the payment.

[0037] In specific application scenarios, payment authorization credentials may include at least one of the following: Payment authorization QR code; Payment authorization log; Payment authorization text.

[0038] The payment authorization QR code can refer to a QR code generated based on payment information. This QR code carries payment authorization information, including the payment information. After generating the payment authorization QR code, it can be saved as an image. The payment authorization log can refer to a log file generated by the system after receiving payment information. The payment authorization text can refer to a text file generated based on payment information. Specifically, it can be a text document, a Word document, or an Excel document, etc., without any specific limitations.

[0039] As one application example, generating a payment authorization certificate based on the payment information may include: The payment information is verified. If the verification passes, the payment information will be converted into encrypted code; The payment authorization certificate is generated based on the encrypted code.

[0040] In the embodiments of this specification, since the business transaction is conducted without a network connection, after the receiving user identifies the payment information of the paying user using the payment device, the receiving user can verify the payment information to ensure its legality. Specifically, the receiving user information, transaction amount, transaction time, and transaction items of the payment information can be verified so that when the network connection is restored, the specified transaction amount can be accurately deducted from the paying user's payment account.

[0041] Encryption encoding can be understood as a form of encryption encoding. After verifying payment information, the plaintext of the payment information is converted into an encrypted encoding form, and then a payment authorization certificate is generated based on the encrypted encoding. This can reduce the risk of data loss during the storage of payment information, enhance security, and reduce the storage space of payment information.

[0042] Specifically, the encryption encoding can use Base64 encoding, which is one of the most common encoding methods on the Internet for transmitting 8-bit byte code. Base64 is a method that uses 64 printable characters to represent binary data and can encrypt plaintext information.

[0043] As one application example, generating a payment authorization certificate based on the encrypted code may include: A payment authorization QR code is generated based on the encrypted code; Save the payment authorization QR code as an image to obtain the payment authorization certificate.

[0044] After both parties in a business transaction, the payer and the payee, complete offline transaction authentication, the payment application can generate a payment authorization QR code based on the obtained encrypted code. Thus, when the network connection is restored, the payment terminal or server only needs to recognize this payment authorization QR code to retrieve the saved payment information.

[0045] Furthermore, saving the payment authorization QR code as an image may include: The payment information is used to determine the index information corresponding to the payment authorization QR code, so as to use the index information to find the corresponding payment authorization QR code; Save the payment authorization QR code and the index information as images to obtain the payment authorization certificate.

[0046] In the embodiments of this specification, index information can refer to feature information that can characterize the business transaction features of the corresponding payment authorization certificate, and can be used to quickly locate and query the corresponding payment authorization certificate, such as a payment authorization QR code. Specifically, index information can be the business transaction order number, a description of the core fields of the business transaction, etc., and is not specifically limited here.

[0047] For example, on a certain airline flight, all terminal devices are offline. When a user wants to purchase a gift from a flight attendant, the user can use a payment application to scan the product code displayed by the flight attendant through the payment device, or the flight attendant can use the payment device to scan the payment code displayed by the user. After the user and / or the flight attendant complete local offline transaction authentication, the flight attendant can obtain the corresponding payment information through the payment device. When generating a payment authorization QR code using the payment device, index information for that QR code can be generated simultaneously, which may include the transaction order number, flight number, and order summary description, etc.

[0048] As another application example, generating a payment authorization certificate based on the encrypted code may include: Generate payment authorization text based on the encrypted code; The text index of the payment authorization text is determined using the payment information; The text index is added to the payment authorization text to obtain a payment authorization certificate, which is then used to find the corresponding payment authorization text.

[0049] The text index can be understood as the index information corresponding to the payment authorization text, specifically as the index information described in the above embodiments, which will not be repeated here.

[0050] S205: The payment authorization credential is stored in the system memory so that, in the network connection state, the payment authorization credential can be used to request the server to deduct funds from the payment account, wherein the system memory is the system memory of the terminal where the payment application is located.

[0051] In the embodiments described in this specification, system memory can be understood as the internal storage of the payment terminal, a hardware device used to store the terminal's running programs and processed data. Therefore, the data stored in system memory is closely related to the operation of the terminal system and is not easily lost. However, since the size of the system memory also affects the operating speed of the terminal system, not all data in the terminal can be stored in system memory. Other data unrelated to the terminal system's running programs requires authorization before it can be stored in system memory.

[0052] As one application example, storing the payment authorization certificate in system memory may include: Determine whether the user has granted storage permission to save the payment authorization credential in system memory; If so, the payment authorization certificate will be stored in the system memory.

[0053] In the embodiments of this specification, before storing the payment authorization certificate in the system memory, by determining whether the user has granted storage permission to the system memory, it is possible to avoid erroneously storing data other than the terminal system running program in the system memory, which would affect the operating speed of the terminal system.

[0054] Furthermore, storing the payment authorization credential in system memory may include: The payment terminal interface displays a prompt asking whether to save the payment authorization certificate; Determine whether the user chooses to save the payment authorization certificate; If so, the payment authorization certificate will be stored in the system memory.

[0055] In specific application scenarios, after the payment authorization credential is generated, the display interface of the payment terminal can show a prompt message asking whether to save the payment authorization credential, so as to remind the user whether to save the payment authorization credential to the system memory to avoid loss.

[0056] Furthermore, storing the payment authorization credential in system memory may include: When the system detects that a user has long-pressed the payment authorization credential, it determines whether the user has selected the option to save it in system memory; If so, the payment authorization certificate will be stored in the system memory.

[0057] In specific application scenarios, after generating a payment authorization credential, users can long-press the credential to trigger a display of its attributes, including the option to save the credential to system memory. This allows users to choose whether to grant storage permission to save the payment authorization credential to system memory based on the importance of the data.

[0058] As another application embodiment, storing the payment authorization certificate in system memory may further include: The payment authorization credential is stored separately in the application cache.

[0059] In practical applications, the terminal system allocates a certain amount of storage space to each application as an application cache to store the application data generated during the application's runtime. Therefore, after the payment authorization credential is generated, it will be automatically stored in the application cache corresponding to the payment application.

[0060] This specification provides a payment method that, when there is no network connection, generates a payment authorization certificate based on payment information and stores it in system memory. When the network connection is restored, the payment authorization certificate stored in system memory can be used to request the server to deduct funds from the corresponding payment account, completing the transaction in the absence of a network connection. By storing the payment authorization certificate in system memory, the traceability of the payment authorization certificate is improved, and the proof information of the business transaction can be quickly recovered when the network connection is restored, thus enabling offline transaction payments.

[0061] Figure 3 This is a flowchart illustrating a payment method provided in an embodiment of this specification, wherein the payment method provided in this embodiment is applied to a payment collection application.

[0062] S301: In a network-connected state, obtain the payment authorization credential stored in the system memory. The payment authorization credential is generated in a network-free state based on the payment information obtained from the payment account corresponding to the paying user. The payment information reflects the payment authorization information. The system memory is the system memory of the payment terminal where the payment application is located.

[0063] In the embodiments of this specification, the meaning of system memory is the same as that of system memory described in the embodiments of the above specification, and will not be repeated here.

[0064] As one application example, obtaining payment authorization credentials stored in system memory may include: Determine whether the application cache stores the payment authorization certificate; If not, the corresponding payment authorization certificate is searched in the system memory based on the index information.

[0065] Since the application cache is part of the terminal system's CPU and can quickly access application data, in order to improve data processing speed, before searching for and retrieving the payment authorization credential from system memory, it can be determined whether the payment authorization credential is stored in the application cache. If it is, the payment authorization credential stored in the application cache can be used directly for payment data processing; if it is not stored, that is, the data stored in the application cache is lost, the corresponding payment authorization credential can be further searched for from system memory for payment data processing.

[0066] Furthermore, after searching for the corresponding payment authorization credential in the system memory based on the index information, the process may further include: The payment authorization credential is separately saved to the application cache so that the payment authorization credential stored in the application cache can be used to send a deduction request to the server.

[0067] In the embodiments described in this specification, after retrieving the corresponding payment authorization credential from the system memory, the payment authorization credential can be saved back to the application cache, while the payment authorization credential stored in the system memory is retained. This allows the application cache to quickly retrieve data, thereby improving data processing efficiency.

[0068] S303: Send a deduction request to the server based on the payment authorization certificate, so that the server, after verifying the deduction request, deducts the payment from the payment account according to the deduction request.

[0069] In the embodiments of this specification, a deduction request can be understood as a request message carrying payment information to the server to deduct payment. Specifically, the payment application can extract the payment information from the payment authorization certificate and then send a deduction request carrying the extracted payment information to the server. Alternatively, the payment application can directly send a deduction request carrying the payment authorization certificate to the server, and the server can extract the payment information from the payment authorization certificate. No specific limitations are made here.

[0070] As one application example, sending a deduction request to the server based on the payment authorization certificate may include: Extract the corresponding payment information from the payment authorization certificate; A deduction request carrying the payment information is sent to the server, so that the server, after verifying the payment information, deducts the payment from the payment account based on the payment information.

[0071] In the embodiments of this specification, the payment application can first extract the corresponding payment information from the payment authorization certificate. Specifically, it can identify the payment information carried in the payment authorization QR code, or use image recognition technology to extract the payment information recorded in the payment authorization text. No specific limitation is made here.

[0072] In this way, after receiving a deduction request, the server can directly perform offline transaction verification of the payment information. Once the verification is successful, it can directly deduct the specified amount of payment from the corresponding payment account and transfer it to the account of the receiving application.

[0073] As another application embodiment, sending a deduction request to the server based on the payment authorization certificate may include: A deduction request carrying the payment authorization certificate is sent to the server so that the server can extract the corresponding payment information from the payment authorization certificate. After verifying the payment information, the server deducts the payment from the corresponding payment account based on the payment information.

[0074] In the embodiments described in this specification, the payment application directly sends a deduction request carrying a payment authorization certificate to the server. In this way, the operation of retrieving payment information can be completed by the server, thereby reducing the data processing pressure on the payment terminal.

[0075] S305: Receive payment from the payment account.

[0076] After verifying the legitimacy of offline business transactions, the server can deduct a specified amount of electronic currency from the corresponding payment account and transfer it to the account corresponding to the receiving application based on the obtained payment information, and then return the payment result to the payment terminal.

[0077] This specification provides a payment method that, when there is no network connection, generates a payment authorization certificate based on payment information and stores it in system memory. When the network connection is restored, the payment authorization certificate stored in system memory can be used to request the server to deduct funds from the corresponding payment account, completing the transaction in the absence of a network connection. By storing the payment authorization certificate in system memory, the traceability of the payment authorization certificate is improved, and the proof information of the business transaction can be quickly recovered when the network connection is restored, thus enabling offline transaction payments.

[0078] Figure 4This is a timing diagram of a payment method provided in an embodiment of this application specification.

[0079] In the absence of a network connection.

[0080] S401: The receiving terminal 4B displays the goods to the payment terminal 4A.

[0081] S403: When it is necessary to purchase the displayed goods, the payment terminal 4A verifies the offline business transaction.

[0082] S405: The receiving terminal 4B identifies payment information from the payment terminal 4A.

[0083] In specific application scenarios, payment terminal 4A may display a payment code to payment terminal 4B, which then scans the payment code to identify the payment information; alternatively, payment terminal 4A may scan the product code displayed by payment terminal 4B and fill in the payment information based on the scan result, etc. No specific limitations are made here.

[0084] S407: The payment terminal 4B generates a payment authorization certificate based on the payment information.

[0085] In the embodiments of this specification, the generated payment authorization certificate is a payment authorization QR code image, which displays the index information of the payment authorization certificate.

[0086] like Figure 5 As shown, this is a payment authorization certificate generated from an offline business transaction. The payment authorization guarantee includes a payment authorization QR code and index information, wherein the index information includes the order number below the QR code and the product name above the QR code.

[0087] S409: The payment terminal 4B stores the payment authorization certificate in the system memory.

[0088] In the embodiments described in this specification, after the payment authorization credential is generated, the payment authorization credential and index information are automatically saved in the application cache.

[0089] The network connection has been restored.

[0090] S411: When the payment terminal 4B detects that the payment authorization certificate data stored in the application cache is lost, it uses the index information to read the corresponding payment authorization certificate from the system memory.

[0091] S413: The payment terminal 4B will save the payment authorization certificate read from the system memory in the application cache.

[0092] S415: The payment terminal 4B extracts payment information from the payment authorization certificate.

[0093] S417: The payment terminal 4B sends a deduction request carrying the extracted payment information to the server 4C.

[0094] S419: Server 4C verifies the payment information carried in the deduction request.

[0095] S421: After successful verification, server 4C deducts the specified amount of payment from the corresponding payment account and transfers it to the specified receiving account based on the payment information.

[0096] S423: Server 4C returns the payment result to the receiving terminal 4B.

[0097] S425: Server 4C returns the payment result to payment terminal 4A.

[0098] This specification provides a payment method in which, when there is no network connection, the receiving terminal 4B generates a payment authorization certificate based on payment information and stores it in system memory. When the network connection is restored, the receiving terminal 4B can use the payment authorization certificate stored in system memory to request the server 4C to deduct funds from the corresponding payment account, completing the transaction when there was no network connection. By storing the payment authorization certificate in system memory, the traceability of the payment authorization certificate is improved, and the proof information of the business transaction can be quickly recovered when the network connection is restored, thus enabling offline transaction payments.

[0099] Figure 6 This is a schematic diagram of a payment device provided in an embodiment of this application specification, wherein the payment device provided in this embodiment is applied to a payment collection application.

[0100] The identification module 601 identifies payment information from the payment account corresponding to the paying user when there is no network connection. The payment information reflects payment authorization information. The generation module 602 generates a payment authorization certificate based on the payment information; The storage module 603 stores the payment authorization certificate in the system memory so that, in a network connection state, it can use the payment authorization certificate to request the server to deduct funds from the payment account. The system memory is the system memory of the payment terminal where the payment application is located.

[0101] This specification provides a payment device that, when there is no network connection, generates a payment authorization certificate based on payment information and stores it in system memory. When the network connection is restored, the payment authorization certificate stored in system memory can be used to request a deduction from the corresponding payment account from the server, completing the transaction in the absence of a network connection. By storing the payment authorization certificate in system memory, the traceability of the payment authorization certificate is improved, and the proof information of the business transaction can be quickly recovered when the network connection is restored, thus enabling offline transaction payments.

[0102] Figure 7 This is a schematic diagram of a payment device provided in an embodiment of this application specification, wherein the payment device provided in this embodiment is applied to a payment collection application.

[0103] The acquisition module 701, in the network connection state, acquires the payment authorization certificate stored in the system memory. The payment authorization certificate is generated in the offline state based on the payment information obtained from the payment account corresponding to the paying user. The payment information reflects the payment authorization information. The system memory is the system memory of the payment terminal where the payment application is located. The sending module 702 sends a deduction request to the server based on the payment authorization certificate, so that the server, after verifying the deduction request, deducts the payment from the payment account according to the deduction request; The receiving module 703 receives payment from the payment account.

[0104] This specification provides a payment device that, when there is no network connection, generates a payment authorization certificate based on payment information and stores it in system memory. When the network connection is restored, the payment authorization certificate stored in system memory can be used to request a deduction from the corresponding payment account from the server, completing the transaction in the absence of a network connection. By storing the payment authorization certificate in system memory, the traceability of the payment authorization certificate is improved, and the proof information of the business transaction can be quickly recovered when the network connection is restored, thus enabling offline transaction payments.

[0105] Based on the same inventive concept, embodiments of this specification also provide an electronic device, including at least one processor and a memory, wherein the memory stores a program and is configured to be executed by the at least one processor in the following steps: When there is no network connection, the payment information from the payment account corresponding to the paying user is identified, and the payment information reflects the payment authorization information; Generate a payment authorization certificate based on the payment information; The payment authorization credential is stored in system memory so that, when connected to the network, the payment authorization credential can be used to request the server to deduct funds from the payment account. The system memory is the system memory of the payment terminal where the payment application is located.

[0106] Other functions of the processor can be found in the above embodiments, and will not be repeated here.

[0107] Based on the same inventive concept, embodiments of this specification also provide a computer-readable storage medium, including a program for use in conjunction with an electronic device, the program being executable by a processor to perform the following steps: When there is no network connection, the payment information from the payment account corresponding to the paying user is identified, and the payment information reflects the payment authorization information; Generate a payment authorization certificate based on the payment information; The payment authorization credential is stored in system memory so that, when connected to the network, the payment authorization credential can be used to request the server to deduct funds from the payment account. The system memory is the system memory of the payment terminal where the payment application is located.

[0108] Other functions of the processor can be found in the above embodiments, and will not be repeated here.

[0109] Based on the same inventive concept, embodiments of this specification also provide an electronic device, including at least one processor and a memory, wherein the memory stores a program and is configured to be executed by the at least one processor in the following steps: In a network-connected state, the payment authorization credential stored in the system memory is obtained. The payment authorization credential is generated in a network-free state based on the payment information obtained from the payment account corresponding to the paying user. The payment information reflects the payment authorization information. The system memory is the system memory of the payment terminal where the payment application is located. The payment authorization certificate is used to send a deduction request to the server, so that the server, after verifying the deduction request, deducts the payment from the payment account according to the deduction request; Receive payment from the payment account.

[0110] Other functions of the processor can be found in the above embodiments, and will not be repeated here.

[0111] Based on the same inventive concept, embodiments of this specification also provide a computer-readable storage medium, including a program for use in conjunction with an electronic device, the program being executable by a processor to perform the following steps: In a network-connected state, the payment authorization credential stored in the system memory is obtained. The payment authorization credential is generated in a network-free state based on the payment information obtained from the payment account corresponding to the paying user. The payment information reflects the payment authorization information. The system memory is the system memory of the payment terminal where the payment application is located. The payment authorization certificate is used to send a deduction request to the server, so that the server, after verifying the deduction request, deducts the payment from the payment account according to the deduction request; Receive payment from the payment account.

[0112] Other functions of the processor can be found in the above embodiments, and will not be repeated here.

[0113] In the 1990s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (e.g., improvements to the methodology). However, with technological advancements, many methodological improvements today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that an improvement in methodology cannot be implemented using hardware physical modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program and "integrate" a digital system onto a PLD themselves, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, 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, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0114] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0115] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0116] For ease of description, the above devices are described separately according to their functions, divided into various modules and / or various units. Of course, in implementing this application, the functions of each module and / or each unit can be implemented in one or more software and / or hardware.

[0117] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0118] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It should be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0119] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0120] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0121] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0122] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0123] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, 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 technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0124] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0125] This application can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a specific task or implement a specific abstract data type. This application can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0126] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to interchangeably. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.

[0127] The above description is merely an embodiment of this application and is not intended to limit this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principle of this application should be included within the scope of protection of the claims of this application.

Claims

1. A payment method applied to a payment collection application, comprising: When there is no network connection, identify payment information from the payment account corresponding to the paying user, wherein the payment information is the deduction authorization information of the paying user to pay a specified amount to the designated receiving user; Generate a payment authorization certificate based on the payment information; The payment authorization certificate is stored in the system memory; When connected to the network, extract the payment information from the payment authorization certificate and send a deduction request carrying the extracted payment information to the server, or send a deduction request carrying the payment authorization certificate to the server.

2. The method as described in claim 1, wherein the payment information includes: Transaction number, transaction amount, transaction time, payment account information, and receiving account information.

3. The method as described in claim 1, further comprising, before identifying payment information from the payment account corresponding to the paying user: The payment terminal scans the payment code displayed on the payment terminal; or, The payment terminal scans the product code displayed on the receiving terminal and fills in the payment information based on the scanning result.

4. The method of claim 1, further comprising: Receive the payment result returned by the server.

5. The method as described in claim 1, wherein generating a payment authorization certificate based on the payment information comprises: The payment information is verified to ensure its legality. If the verification passes, the payment information will be converted into encrypted code; A payment authorization certificate is generated based on the encrypted code.

6. The method of claim 5, wherein generating the payment authorization certificate based on the encrypted code comprises: A payment authorization QR code is generated based on the encrypted code; Save the payment authorization QR code as an image to obtain the payment authorization certificate.

7. The method as described in claim 6, wherein saving the payment authorization QR code as an image includes: The payment information is used to determine the index information corresponding to the payment authorization QR code, so as to use the index information to find the corresponding payment authorization QR code; Save the payment authorization QR code and the index information as images to obtain the payment authorization certificate.

8. The method of claim 5, wherein generating the payment authorization certificate based on the encrypted code comprises: Generate payment authorization text based on the encrypted code; The text index of the payment authorization text is determined using the payment information; The text index is added to the payment authorization text to obtain a payment authorization certificate, which is then used to find the corresponding payment authorization text.

9. The method as described in claim 1, wherein storing the payment authorization certificate in system memory comprises: The payment terminal interface displays a prompt asking whether to save the payment authorization certificate; Determine whether the receiving user chooses to save the payment authorization certificate; If so, the payment authorization certificate will be stored in the system memory.

10. The method of claim 1, wherein storing the payment authorization certificate in system memory comprises: When the system detects that the payee has long-pressed the payment authorization credential, it determines whether the payee has selected the option to save it in system memory. If so, the payment authorization certificate will be stored in the system memory.

11. The method of claim 1, further comprising storing the payment authorization certificate in system memory: The payment authorization credential is backed up and stored in the application cache.

12. The method as described in claim 1, wherein the system memory is the system memory of the payment terminal where the payment application is located.

13. A payment method applied to a payment collection application, comprising: When connected to the network, the system retrieves a payment authorization credential stored in the system memory. This payment authorization credential is generated in the offline state based on payment information obtained from the payment account corresponding to the paying user. The payment information is the deduction authorization information of the paying user to pay a specified amount to a designated payee user. The payment authorization certificate is used to send a deduction request to the server, so that the server, after verifying the deduction request, deducts the payment from the payment account according to the deduction request; Receive payment from the payment account.

14. The method of claim 13, wherein sending a deduction request to the server based on the payment authorization certificate includes: Extract the corresponding payment information from the payment authorization certificate; A deduction request carrying the payment information is sent to the server, so that the server, after verifying the payment information, deducts the payment from the payment account based on the payment information.

15. The method of claim 13, wherein sending a deduction request to the server based on the payment authorization certificate includes: A deduction request carrying the payment authorization certificate is sent to the server so that the server can extract the corresponding payment information from the payment authorization certificate. After verifying the payment information, the server deducts the payment from the corresponding payment account based on the payment information.

16. The method of claim 13, wherein obtaining the payment authorization credential stored in system memory comprises: Determine whether the application cache stores the payment authorization certificate; If not, the corresponding payment authorization certificate is searched in the system memory based on the index information.

17. The method of claim 16, further comprising, after searching for the corresponding payment authorization credential in the system memory according to the index information: The payment authorization credential is separately saved to the application cache so that the payment authorization credential stored in the application cache can be used to send a deduction request to the server.

18. The method of claim 13, wherein the system memory is the system memory of the payment terminal where the payment application is located.

19. A payment device for use in a payment collection application, comprising: The acquisition module identifies payment information from the payment account corresponding to the paying user when there is no network connection. The payment information is the deduction authorization information of the paying user to pay a specified amount to the designated receiving user. The generation module generates a payment authorization certificate based on the payment information; The storage module stores the payment authorization certificate in system memory; When connected to the network, extract the payment information from the payment authorization certificate and send a deduction request carrying the extracted payment information to the server, or send a deduction request carrying the payment authorization certificate to the server.

20. A payment device for use in a payment application, comprising: The acquisition module, in a network-connected state, acquires a payment authorization credential stored in the system memory. The payment authorization credential is generated in a network-free state based on payment information obtained from the payment account corresponding to the paying user. The payment information is the deduction authorization information of the paying user to pay a specified amount to a designated payee user. The sending module sends a deduction request to the server based on the payment authorization certificate, so that the server, after verifying the deduction request, deducts the payment from the payment account according to the deduction request; The receiving module receives payment from the payment account.

21. An electronic device comprising at least one processor and a memory, the memory storing a program and configured to have at least one processor perform the following steps: When there is no network connection, identify payment information from the payment account corresponding to the paying user, wherein the payment information is the deduction authorization information of the paying user to pay a specified amount to the designated receiving user; Generate a payment authorization certificate based on the payment information; The payment authorization certificate is stored in the system memory; When connected to the network, extract the payment information from the payment authorization certificate and send a deduction request carrying the extracted payment information to the server, or send a deduction request carrying the payment authorization certificate to the server.

22. An electronic device comprising at least one processor and a memory, the memory storing a program and configured to have at least one processor perform the following steps: When connected to the network, the system retrieves a payment authorization credential stored in the system memory. This payment authorization credential is generated in the offline state based on payment information obtained from the payment account corresponding to the paying user. The payment information is the deduction authorization information of the paying user to pay a specified amount to a designated payee user. The payment authorization certificate is used to send a deduction request to the server, so that the server, after verifying the deduction request, deducts the payment from the payment account according to the deduction request; Receive payment from the payment account.

Images