CN103077456A - Mobile payment method in off-line mode - Google Patents

Abstract

The invention discloses a mobile payment method in an off-line mode. The mobile payment method comprises the following steps that a payer sends information and a payee responds and replies the information through a non-contact communication way based on a mobile internet device; the payer reads local information and inputs the corresponding trade information, and a system will check out whether a transaction amount exceeds local account balance, and then carry out the information encrypted storage and send the information to the payee when the transaction amount is not more than the local account balance; the payee authorizes the information, modifies the local account balance and replies the deal close confirming information to the payer, and finally modifies the local account balance after the payer confirms the information, and completes the off-line trade. From a technical perspective, based on a special electronic account separated from an account, the account balance is stored in a security chip of a mobile device and synthesized with a financial gateway at regular time in a networking state, and the safe and effective verification on the account is carried out simultaneously.

Description

Method of mobile payment under the off-line mode

Technical field

The present invention relates to a kind of wireless electron method of payment and system, in particular method of mobile payment under a kind of off-line mode.

Background technology

In financial mobile payment field, the mobile Internet payment is widely used.Mobile Internet payment provides a safety, quick and easy E-business applications environment and online capital settlement instrument for the enterprises and individuals.

And be in mobile payment demand more and more for consumers under the off-line mode, and feasible solution is from professional and technical combinations angle now, deals with problems under limited environment.In the prior art, do not having to confirm the legitimacy of trading account and dealing money under the network connection.And the account validation verification mechanism of safety also relatively lacks.

Summary of the invention

In order to address the above problem, purpose of the present invention proposes method of mobile payment under a kind of off-line mode and provides safety, embodiment easily for the off-line consumption of mobile phone users.

For reaching this purpose, the present invention by the following technical solutions:

Method of mobile payment under the off-line mode provided by the invention comprises the steps:

1. method of mobile payment under the off-line mode is characterized in that, comprises step:

A, movement-based internet device, by non-contact communication manners, the payer initiating communication is responded to and is sent response message by payer and finishes initialize communications.

B, payer send the account information request of obtaining, and are returned account information after the encryption by payer.

C, payer receive by after the payer account information, read local is encrypted account information, and after the input relationship trading information, system can check whether dealing money exceeds the local account remaining sum, when dealing money is less than or equal to the local account remaining sum encryption of domestic transaction information package is stored and is issued by payer.

D, carried out authentication by payer to receiving relationship trading information, after authentication is passed through, revise the local account remaining sum according to dealing money, and reply payer and finish trade confirmation information.

E, payer are revised the local account remaining sum after receiving and confirming, off-line trading is finished.

F, when treating that both sides recover network service, local system can send to payment gateway with the encrypted transaction message of this locality storage and carry out authentication, after authentication is passed through, with the balance amount information of synchronous stored value card account.

Described mobile internet device comprises integrated mobile phone terminal or POS terminal of storing the personal financial account information chip.

Described non-contact communication manners comprises 3G, bluetooth, WiFi or NFC.

Described payment gateway comprises bank card business dealing processing network.

Method of mobile payment is on business under the off-line mode provided by the invention, and the off-line mode method of mobile payment needs the coordinating and unifying of each commercial bank aspect accounts information standard and security protocol.From technical standpoint, mobile payment will be used according to the special-purpose sub-account of advocating that account is separated under the off-line mode, it is the stored value card account, the account, remaining sum can be stored in the safety chip of mobile device, and regularly synchronous with financial gateway when the networking state, simultaneously account is carried out safe and effective checking.

Description of drawings

Fig. 1 is the flow chart of steps of method of mobile payment under the off-line mode of the present invention.

Embodiment

The present invention will be further described below in conjunction with accompanying drawing.

As shown in Figure 1, the embodiment of method of mobile payment comprises the steps: under the off-line mode provided by the invention

Step 1, movement-based internet device, by non-contact communication manners, the payer initiating communication is responded to and is sent response message by payer and finishes initialize communications.

Step 2, payer send the account information request of obtaining, and are returned account information after the encryption by payer.

Step 3, payer receive by after the payer account information, read local is encrypted account information, and after the input relationship trading information, system can check whether dealing money exceeds the local account remaining sum, when dealing money is less than or equal to the local account remaining sum encryption of domestic transaction information package is stored and is issued by payer.

Step 4, carried out authentication by payer to receiving relationship trading information, after authentication is passed through, revise the local account remaining sum according to dealing money, and reply payer and finish trade confirmation information.

Step 5, payer are revised the local account remaining sum after receiving and confirming, off-line trading is finished.

Step 6, when treating that both sides recover network service, local system can send to payment gateway with the encrypted transaction message of this locality storage and carry out authentication, after authentication is passed through, with the balance amount information of synchronous stored value card account.

Described mobile internet device comprises integrated mobile phone terminal or POS terminal of storing the personal financial account information chip.

Described non-contact communication manners comprises 3G, bluetooth, WiFi or NFC.

Described payment gateway comprises bank card business dealing processing network.

Above-described embodiment is illustrative principle of the present invention only, but not is used for restriction the present invention.Any person skilled in the art scholar all can be under spirit of the present invention and category, and above-described embodiment is modified or changed.Therefore, have in the technical field under all and know that usually the knowledgeable waits and modifies or change not breaking away from all that finish under the disclosed technological thought, must be contained by claim of the present invention.

Claims (4)

1. method of mobile payment under the off-line mode is characterized in that, comprises step:

A, movement-based internet device, by non-contact communication manners, the payer initiating communication is responded to and is sent response message by payer and finishes initialize communications;

B, payer send the account information request of obtaining, and are returned account information after the encryption by payer;

C, payer receive by after the payer account information, read local is encrypted account information, and after the input relationship trading information, system can check whether dealing money exceeds the local account remaining sum, when dealing money is less than or equal to the local account remaining sum encryption of domestic transaction information package is stored and is issued by payer;

D, carried out authentication by payer to receiving relationship trading information, after authentication is passed through, revise the local account remaining sum according to dealing money, and reply payer and finish trade confirmation information;

E, payer are revised the local account remaining sum after receiving and confirming, off-line trading is finished;

F, when treating that both sides recover network service, local system can send to payment gateway with the encrypted transaction message of this locality storage and carry out authentication, after authentication is passed through, with the balance amount information of synchronous stored value card account.

2. method of mobile payment under the off-line mode according to claim 1, it is characterized in that: described mobile internet device comprises integrated mobile phone terminal or POS terminal of storing the personal financial account information chip.

3. method of mobile payment under the off-line mode according to claim 1, it is characterized in that: described non-contact communication manners comprises 3G, bluetooth, WiFi or NFC.

4. method of mobile payment under the off-line mode according to claim 1 is characterized in that: described payment gateway comprises that bank card business dealing processes network.

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