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Opening, collection and settlement method and device for double off-line payment

An offline payment and payee technology, applied in the field of network communication, can solve the problems of cumbersome payment process, transfer, inconvenient payer and payee, etc., and achieve the effect of reducing payment time and high security

Active Publication Date: 2020-04-17
ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Since the dual offline payment occurs without the participation of the payment server, the money cannot be transferred from the payer's account to the payee's account in real time. Therefore, the dual offline payment scenario puts forward higher requirements for payment security, and achieves higher security. It often leads to cumbersome payment process, causing inconvenience to the payer and payee

Method used

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  • Opening, collection and settlement method and device for double off-line payment
  • Opening, collection and settlement method and device for double off-line payment
  • Opening, collection and settlement method and device for double off-line payment

Examples

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Comparison scheme
Effect test

Embodiment 1

[0062] In Embodiment 1, the process of applying the activation method of dual offline payment on the payment server is as follows: figure 2 As shown, the flow of the collection server applied in the payee system is as follows image 3 As shown, the application process on the user terminal is as follows Figure 4 shown.

[0063] On the user terminal, in step 410, the payment scenario information specified by the user is acquired.

[0064] When a user wishes to use a payment system for payment in a specific dual-offline payment scenario, he can enable the biometric payment function in the payment scenario through his terminal. The user can start the activation process in various ways, for example, through the activation portal provided by the client software of the payment system on the user terminal, the activation process can be started when accessing the payment system through the browser on the user terminal, or The activation process is started by accessing the payment ...

Embodiment 2

[0084] In Embodiment 2, the process of applying the payment method of dual offline payment to the collection device is as follows: Figure 5 shown. The collection device stores the corresponding relationship between the biometric templates of all users who have enabled dual offline payment in the payment scenario where the collection device works and the user's account; in other words, the user specifies when opening the dual offline payment function. Once the payment scene information is obtained, the payment collection device in the payment scene with the specified payment scene information will store the corresponding relationship between the user's biometric template and the user's account.

[0085] On the payment collection device, step 510, in a dual offline payment scenario, acquires the biometric information of the user.

[0086] In the dual offline payment scenario, the payment collection device can collect the user's biometric information on the spot in various ways...

Embodiment 3

[0097] In the third embodiment, the payment server stores the payment scene information specified by the user who has opened the dual offline payment, the corresponding relationship between the user's biometric template and the user account, and the payment device of the payee system stores the information for opening the dual offline payment. The corresponding relationship between the user's biological feature template and the user account, as well as the user's biological feature information collected when the user's payment is approved, and the corresponding user account used for payment. In addition, the payee system can also save the payment scenario information specified by the user who has activated the dual offline payment, the corresponding relationship between the user's biometric template and the user account on the payment server.

[0098] In Embodiment 3, the process of applying the settlement method of dual offline payment to the collection server of the payee sys...

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Abstract

The invention provides a double offline payment opening method, which is applied to a payment server, and comprises the following steps: receiving a user opening request sent by a user terminal; wherein the user opening request comprises payment scene information specified by a user; acquiring a biological characteristic template of the user; storing the payment scene information, the biological characteristic template of the user and the corresponding relationship of the account of the user; and based on the payment scene information, sending a system opening request to a payee system, wherein the system opening request comprises a corresponding relationship between a biological characteristic template of the user and an account of the user; and in a double offline payment scene matched with the payment scene information, the collection equipment of the collection party system authenticating the user based on the biological characteristic template, and approving the payment of the user account after the authentication is passed.

Description

technical field [0001] This specification relates to the technical field of network communication, and in particular to a method and device for activation, collection and settlement of dual offline payment. Background technique [0002] In network payment, the usual situation is that at least one of the user terminal (payer device) and the payment collection device of the payee system can communicate with the payment server directly or indirectly (through other devices or servers), and send a payment to the payment server. For payment or collection requests, the payment server performs real-time transfer of funds according to the received requests. Dual offline payment refers to the application scenario where neither the user terminal nor the payment collection device can directly or indirectly communicate with the payment server in real time when the payment occurs, that is to say, both the user terminal and the payment collection device are offline relative to the payment ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/40145
Inventor 翟芬顾春雷张一王啸
Owner ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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