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Off-line and on-line fused e-payment method and system

An electronic payment and offline technology, which is applied in the payment system structure, payment scheme/model, instrument, etc., can solve the problem that the mobile phone integration is inconvenient for the elderly and children to use

Inactive Publication Date: 2017-01-18
HUNAN KIMMA INTELLIGENT EQUIP MFR
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Because most offline payments currently rely on chip cards to encrypt and store balance information, they cannot be integrated with mobile phones and are inconvenient to carry. Generally, the elderly and children use them more.

Method used

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  • Off-line and on-line fused e-payment method and system
  • Off-line and on-line fused e-payment method and system
  • Off-line and on-line fused e-payment method and system

Examples

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Embodiment Construction

[0028] The present invention proposes a new card consumption solution that combines online payment and offline payment. In order to solve the problem of merging online payment and offline payment, it is necessary to transform the payment terminal for offline payment so that the payment terminal can not only pay online through mobile phones, but also It is possible to pay offline by offline card. When paying by mobile phone, the mobile phone initiates an application to the server to apply for a temporary payment code (18 digits), and the payment code is displayed on the mobile phone in the form of a barcode or a QR code, because the payment payment code is displayed using a visible code, which is easy to be detected. Stealing, so the generated payment code expires in one minute, and the payment code will be refreshed if the payment is not completed after one minute. If the payment is completed, the payment code will be automatically refreshed. The offline payment is realized b...

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Abstract

The invention discloses an off-line and on-line fused e-payment method and system. Two sub-accounts are established under one account, wherein one sub-account is used for off-line payment, and the other one is used for online payment, so that a member not only can carry out online payment through a mobile phone or a card, but also can finish off-line payment through the card; and after a payment terminal is reconstructed, the mobile phone can be utilized to realize online payment and a membership card can also be utilized to carry out offline payment. When the membership card is utilized for consumption, if the network is unobstructed, the consumption sum is deducted from the on-line account first by default; and if the online account balance is insufficient, the consumption sum is deducted from the balance of a recharge card. The method and system solve the problem that since online payment must depend on a network, and offline payment must depend on chip card encrypted storage balance information, cards cannot be integrated to the mobile phone, and are inconvenient to carry.

Description

technical field [0001] The invention relates to the technical field of electronic payment, in particular to a method and system for integrating offline and online electronic payment. Background technique [0002] With the popularization of electronic payment methods, people are more and more accepting of credit card consumption. Compared with cash consumption, credit card consumption is convenient to carry, no change, and can effectively avoid counterfeit money. [0003] Currently, electronic payment methods work in two ways, including online payment and offline payment. Among them, online payments are represented by Alipay, WeChat, and UnionPay. Store member information through mobile phone or card, and verify and deduct member balance by going to the server during transaction. Offline payment is represented by city card and enterprise card. Payment is made with a chip card, which stores member information and current balance information. [0004] Online payment can be ...

Claims

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Application Information

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IPC IPC(8): G06Q20/22G06Q20/34G06Q20/32
CPCG06Q20/227G06Q20/3274G06Q20/349
Inventor 贺建飚吴峰李玺
Owner HUNAN KIMMA INTELLIGENT EQUIP MFR
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