Offline Payment via Graphical Identifier Authentication
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Solution Overview
Problem
Users cannot perform safe and convenient payments when a terminal device is in an offline state, as it cannot communicate with the payment server, including wearable devices like smart watches and devices that can connect to the network but are offline.
Innovation Solution
A method and system that generates a graphical identifier, such as a QR code or bar code, using an authentication factor that includes an authentication key, account information, and a dynamic password, allowing offline payment by scanning this identifier, even without a network connection, through a connected device like a smartphone.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a terminal device is in offline state, then the device cannot communicate with payment server, but the user still needs to perform payment operations
Solution Approach 1:
The system performs preliminary actions by generating and storing authentication factors and graphical identifiers in advance when the terminal is online. These pre-generated credentials enable the terminal to perform payment operations offline without real-time server communication, thus resolving the contradiction between operational capability and communication reliability.
2Adaptability or versatility
If a wearable device cannot be connected to network, then it cannot perform communication interaction with payment server, but payment function is needed
Solution Approach 1:
The invention extracts the essential payment authentication functionality from the network-dependent communication process. By generating graphical identifiers that encapsulate authentication information locally, the system separates the core payment function from network connectivity requirements, enabling wearable devices to perform payments without network connection.
3Ease of operation
If graphical identifier carries authentication information, then offline payment is enabled, but security validation must be ensured
Solution Approach 1:
The merchant terminal acts as an intermediary that validates the graphical identifier offline by comparing it with previously synchronized authentication information. This intermediary validation mechanism enables offline payment while maintaining security, as the merchant terminal can verify credentials without real-time server communication.
Data Source
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AI summary
The present application relates to an information interaction method, apparatus, and system. The method includes: receiving, by a terminal, an authentication factor issued by a first server terminal, the authentication factor carrying an authentication key and account information of a user, and a dynamic time factor; generating bound authentication information by using the authentication factor and device information of the terminal, and returning the bound authentication information to the first server terminal, such that the first server terminal performs authorization through payment according to the bound authentication information; generating, a graphical identifier for completing a first service operation offline according to the authentication factor, and displaying, by the terminal, the graphical identifier, such that the terminal completes the first service operation in an offline state by using the graphical identifier. The information interaction method, apparatus, and system provided in the present application can still achieve safe and convenient payment when a device is in an offline state.