Offline Mobile Payment Processing via Cached Social Network IDs
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Solution Overview
Problem
Conventional mobile payment applications require a network connection to function, limiting their use when a mobile phone is in an offline state and unable to upload data for payment operations.
Innovation Solution
A computer system and method that processes resource exchange information by obtaining user card data and social network application identifiers, performing security verification, and initiating resource transfer requests, even when the mobile phone is offline, using a server architecture that includes an access server, social network application server, and resource transfer server to facilitate offline transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If mobile payment applications require network connection to function, then data upload and payment operations can be performed, but the application cannot be used when the mobile phone is in an offline state
Solution Approach 1:
The system performs preliminary actions by establishing correspondence between user card identifiers and social network application identifiers before offline operations are needed. User card data is cached locally on the mobile device, and the server pre-processes security verification rules. When offline, the mobile device can use this pre-established data and cached information to perform payment operations without network connection.
Solution Approach 2:
The patent introduces an intermediary mechanism where the mobile device acts as a local server, storing user card data and correspondence information locally. This local cache serves as an intermediary between the user card and the remote server, enabling offline processing by mediating security verification and resource transfer requests without requiring real-time network connection to the original server.
2Adaptability or versatility
If a server architecture with multiple servers is used to process offline transactions, then offline resource transfers can be enabled, but system complexity increases
Solution Approach 1:
The access server is designed with multi-functionality, handling both online and offline transaction processing. It can verify user cards using pre-established correspondence data for offline transactions, and also process online transactions with real-time server validation. The resource transfer server similarly handles both online resource transfers and offline resource transfers, reducing the need for separate dedicated servers for each mode.
Solution Approach 2:
The system performs preliminary setup by establishing the correspondence between user card identifiers and social network application identifiers in advance. This pre-established data is stored on both the server and cached locally on mobile devices. When offline transactions occur, this pre-configured information enables the access server to quickly verify user cards and process transactions without requiring complex real-time validation logic or additional server components.
Data Source
AI summary
A computer-implement method of processing resource exchange information includes the following steps: obtaining a data package including a user card identifier and a social network application identifier from a mobile phone; establishing a correspondence between the user card identifier and the social network application identifier and storing the correspondence in the computer system; obtaining user card data and resource exchange information from a payment terminal, wherein the user card data includes the user card identifier; performing security verification to the user card data and obtaining the corresponding social network application identifier when the security verification succeeds; processing a resource transfer request according to the social network application identifier and the resource exchange information and generating corresponding processing state information; and returning the corresponding processing state information to the payment terminal.