Summary of the invention
The present invention is based on the problems referred to above, propose a kind of new technical scheme, realizing user by the terminal communication mode (such as bluetooth) to terminal and terminal personal authentication's mode (such as fingerprint recognition), to be in network condition poor or pay without also being able to the terminal secure off-line to terminal under network environment, the offline electronic payment mode that breaks traditions must connect the constraint of network activation, make offline electronic payment more safe and efficient, improve Consumer's Experience.
In view of this, an aspect of of the present present invention proposes a kind of offline electronic payment method, for sending side terminal, including: foundation and the communication link between receiving side terminal; By described communication link, send payment information to described receiving side terminal, and first recipient's identity information of described receiving side terminal is verified; After being verified, verify first sender's identity information of described sending side terminal, determine whether to carry out offline electronic payment according to the result.
In this technical scheme, communication link is set up between sending side terminal and receiving side terminal, and sending side terminal sends payment information by this communication link to receiving side terminal, and after first recipient's identity information of receiving side terminal is verified, verify the identity information of self, determine whether to carry out offline electronic payment according to the result, namely the identity information of receiving side terminal and sending side terminal is carried out double authentication, so, realizing user, to be in network condition poor or pay without also being able to the terminal secure off-line to terminal under network environment, the offline electronic payment mode that breaks traditions must connect the constraint of network activation, make offline electronic payment more safe and efficient, improve Consumer's Experience.
In technique scheme, preferably, when described first sender's identity information is verified, generate first object Pay Bill information, to complete described offline electronic payment, wherein, described first object Pay Bill information at least includes one of herein below: payer account information, payment, described first sender's identity information and payment arrangement.
In this technical scheme, when first sender's identity information of sending side terminal is verified, namely self-identity information is verified, then generate first object Pay Bill information at sending side terminal, to complete offline electronic payment, wherein, first object Pay Bill information is including but not limited to: payer account information, payment (Payment Amount of both sides' agreement), first sender's identity information and payment arrangement (having the agreement of transferring accounts of legal effect); So, beneficiary can guarantee to receive the payment that both sides arrange according to the identity information of paying party, payment arrangement etc., and when necessary (such as, when completing to pay and refuse again to pay because of paying party account insufficient in amount) legal means can be adopted to safeguard the legitimate interests of self according to this first object Pay Bill information, it is effectively improved the safety of offline electronic payment, and then promotes Consumer's Experience.
In technique scheme, it is preferable that in the process of the described communication link set up between described receiving side terminal, also include: obtain described first recipient's identity information, for the legitimacy verifying described receiving side terminal; And set up described communication link by end to end communication mode, wherein, described end to end communication mode includes: bluetooth, WIFI and/or NFC; Described first recipient's identity information, described first sender's identity information include: fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information.
In this technical scheme, by obtaining first recipient's identity information and verifying its legitimacy when needs carry out offline electronic payment, guarantee the safety of offline electronic payment; Setting up communication link by end to end communication mode, namely without connecting the communication that network just can directly be set up between terminal and terminal, convenient quick again, wherein, end to end communication mode is including but not limited to bluetooth, WIFI and/or NFC; And first recipient's identity information, first sender's identity information are including but not limited to fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information, i.e. personal authentication's information, ensure the uniqueness of identity information, so can realize the effective identity information that beneficiary and paying party comprise according to bill of transferring accounts, such as fingerprint image etc., and guarantee to receive the payment that both sides arrange with promissory payment agreement etc., and take legal means to safeguard the rights and interests of oneself when necessary, ensure the safety of offline electronic payment, thus promoting Consumer's Experience.
Another aspect of the present invention proposes a kind of offline electronic payment device, for sending side terminal, including: first communication module, for setting up the communication link between receiving side terminal, and send payment information to described receiving side terminal; First authentication module, for first recipient's identity information of described receiving side terminal is verified, and after being verified, verifies first sender's identity information of described sending side terminal; First payment module, for determining whether to carry out offline electronic payment according to the result.
In this technical scheme, communication link is set up between sending side terminal and receiving side terminal, and sending side terminal sends payment information by this communication link to receiving side terminal, and after first recipient's identity information of receiving side terminal is verified, verify the identity information of self, determine whether to carry out offline electronic payment according to the result, namely the identity information of receiving side terminal and sending side terminal is carried out double authentication, so realizing user, to be in network condition poor or pay without also being able to the terminal secure off-line to terminal under network environment, the offline electronic payment mode that breaks traditions must connect the constraint of network activation, make offline electronic payment more safe and efficient, improve Consumer's Experience.
In technique scheme, preferably, described first payment module is additionally operable to: when described first sender's identity information is verified, generate first object Pay Bill information, to complete described offline electronic payment, wherein, described first object Pay Bill information at least includes one of herein below: payer account information, payment, described first sender's identity information and payment arrangement.
In this technical scheme, when first sender's identity information of sending side terminal is verified, namely self-identity information is verified, then generate first object Pay Bill information at sending side terminal, to complete offline electronic payment, wherein, first object Pay Bill information is including but not limited to: payer account information, payment (Payment Amount of both sides' agreement), first sender's identity information and payment arrangement (having the agreement of transferring accounts of legal effect); So, beneficiary can guarantee to receive the payment that both sides arrange according to the identity information of paying party, payment arrangement etc., and when necessary (such as, when completing to pay and refuse again to pay because of paying party account insufficient in amount) legal means can be adopted to safeguard the legitimate interests of self according to this first object Pay Bill information, it is effectively improved the safety of offline electronic payment, and then promotes Consumer's Experience.
In technique scheme, it is preferable that also include: the first acquisition module, for, in the process of the described communication link set up between described receiving side terminal, obtaining described first recipient's identity information, for the legitimacy verifying described receiving side terminal; And set up described communication link by end to end communication mode, wherein, described end to end communication mode includes: bluetooth, WIFI and/or NFC; Described first recipient's identity information, described first sender's identity information include: fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information.
In this technical scheme, by obtaining first recipient's identity information and verifying its legitimacy when needs carry out offline electronic payment, guarantee the safety of offline electronic payment; Setting up communication link by end to end communication mode, namely without connecting the communication that network just can directly be set up between terminal and terminal, convenient quick again, wherein, end to end communication mode is including but not limited to bluetooth, WIFI and/or NFC; And first recipient's identity information, first sender's identity information are including but not limited to fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information, i.e. personal authentication's information, ensure the uniqueness of identity information, so can realize the effective identity information that beneficiary and paying party comprise according to bill of transferring accounts, such as fingerprint image etc., and guarantee to receive the payment that both sides arrange with promissory payment agreement etc., and take legal means to safeguard the rights and interests of oneself when necessary, ensure the safety of offline electronic payment, thus promoting Consumer's Experience.
Another aspect of the invention proposes a kind of offline electronic payment method, for receiving side terminal, including: foundation and the communication link between sending side terminal; Receive the payment information from described sending side terminal, and second sender's identity information of described sending side terminal is verified; After being verified, verify second recipient's identity information of described receiving side terminal, determine whether to carry out offline electronic payment according to the result.
In this technical scheme, communication link is set up between receiving side terminal and sending side terminal, and receiving side terminal receives the payment information from sending side terminal by this communication link, and after second sender's identity information of sending side terminal is verified, verify the identity information of self, determine whether to carry out offline electronic payment according to the result, namely the identity information of receiving side terminal and sending side terminal is carried out double authentication, so, can realizing user, to be in network condition poor or pay without also being able to the terminal secure off-line to terminal under network environment, the offline electronic payment mode that breaks traditions must connect the constraint of network activation, make offline electronic payment more safe and efficient, improve Consumer's Experience.
In this technical scheme, second sender's identity information can identical from first sender's identity information can also be different, second recipient's identity information can identical from first recipient's identity information can also be different, according to real needs arrange.
In technique scheme, preferably, when described second recipient's identity information is verified, generate the second target Pay Bill information, to complete described offline electronic payment, wherein, described second target Pay Bill information at least includes one of herein below: beneficiary account information, payment, described second recipient's identity information and payment arrangement.
In this technical scheme, when second recipient's identity information of receiving side terminal is verified, namely self-identity information is verified, then generate the second target Pay Bill information at receiving side terminal, to complete offline electronic payment, wherein, the second target Pay Bill information is including but not limited to: beneficiary account information, payment (Payment Amount of both sides' agreement), second recipient's identity information and payment arrangement (having the agreement of transferring accounts of legal effect); So, paying party can according to the identity information of beneficiary, payment arrangement etc. guarantee beneficiary receive both sides agreement payment, and when necessary (such as, when beneficiary maliciously is not admitted this time to pay after receiving payment) legal means can be adopted to safeguard the legitimate interests of self according to this second target Pay Bill information, it is effectively improved the safety of offline electronic payment, and then promotes Consumer's Experience.
In technique scheme, it is preferable that in the process of the described communication link set up between described sending side terminal, also include: obtain described second sender's identity information, for the legitimacy verifying described sending side terminal; And set up described communication link by end to end communication mode, wherein, described end to end communication mode includes: bluetooth, WIFI and/or NFC; Described second recipient's identity information, described second sender's identity information include: fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information.
In this technical scheme, by obtaining second sender's identity information and verifying its legitimacy when needs carry out offline electronic payment, guarantee the safety of offline electronic payment; Setting up communication link by end to end communication mode, namely without connecting the communication that network just can directly be set up between terminal and terminal, convenient quick again, wherein, end to end communication mode is including but not limited to bluetooth, WIFI and/or NFC; And second recipient's identity information, second sender's identity information are including but not limited to fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information, i.e. personal authentication's information, ensure the uniqueness of identity information, so can realize the effective identity information that beneficiary and paying party comprise according to bill of transferring accounts, such as fingerprint image etc., and guarantee to receive the payment that both sides arrange with promissory payment agreement etc., and take legal means to safeguard the rights and interests of oneself when necessary, ensure the safety of offline electronic payment, thus promoting Consumer's Experience.
Another aspect of the present invention proposes a kind of offline electronic payment device, is used for receiving terminal, including: second communication module, for setting up the communication link between sending side terminal, and receive the payment information from described sending side terminal; Second authentication module, for second sender's identity information of described sending side terminal is verified, and after being verified, verifies second recipient's identity information of described receiving side terminal; Second payment module, for determining whether to carry out offline electronic payment according to the result.
In this technical scheme, communication link is set up between receiving side terminal and sending side terminal, and receiving side terminal receives the payment information from sending side terminal by this communication link, and after second sender's identity information of sending side terminal is verified, verify the identity information of self, determine whether to carry out offline electronic payment according to the result, namely the identity information of receiving side terminal and sending side terminal is carried out double authentication, so, can realizing user, to be in network condition poor or pay without also being able to the terminal secure off-line to terminal under network environment, the offline electronic payment mode that breaks traditions must connect the constraint of network activation, make offline electronic payment more safe and efficient, improve Consumer's Experience.
In this technical scheme, second sender's identity information can identical from first sender's identity information can also be different, second recipient's identity information can identical from first recipient's identity information can also be different, according to real needs arrange.
In technique scheme, preferably, described second payment module is additionally operable to: when described second recipient's identity information is verified, generate the second target Pay Bill information, to complete described offline electronic payment, wherein, described second target Pay Bill information at least includes one of herein below: beneficiary account information, payment, described second recipient's identity information and payment arrangement.
In this technical scheme, when second recipient's identity information of receiving side terminal is verified, namely self-identity information is verified, then generate the second target Pay Bill information at receiving side terminal, to complete offline electronic payment, wherein, the second target Pay Bill information is including but not limited to: beneficiary account information, payment (Payment Amount of both sides' agreement), second recipient's identity information and payment arrangement (having the agreement of transferring accounts of legal effect); So, paying party can according to the identity information of beneficiary, payment arrangement etc. guarantee beneficiary receive both sides agreement payment, and when necessary (such as, when beneficiary maliciously is not admitted this time to pay after receiving payment) legal means can be adopted to safeguard the legitimate interests of self according to this second target Pay Bill information, it is effectively improved the safety of offline electronic payment, and then promotes Consumer's Experience.
In technique scheme, it is preferable that also include: the second acquisition module, for setting up in the process of the described communication link between described sending side terminal, obtain described second sender's identity information, for the legitimacy verifying described sending side terminal; And set up described communication link by end to end communication mode, wherein, described end to end communication mode includes: bluetooth, WIFI and/or NFC; Described second recipient's identity information, described second sender's identity information include: fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information.
In this technical scheme, by obtaining second sender's identity information and verifying its legitimacy when needs carry out offline electronic payment, guarantee the safety of offline electronic payment; Setting up communication link by end to end communication mode, namely without connecting the communication that network just can directly be set up between terminal and terminal, convenient quick again, wherein, end to end communication mode is including but not limited to bluetooth, WIFI and/or NFC; And second recipient's identity information, second sender's identity information are including but not limited to fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information, i.e. personal authentication's information, ensure the uniqueness of identity information, so can realize the effective identity information that beneficiary and paying party comprise according to bill of transferring accounts, such as fingerprint image etc., and guarantee to receive the payment that both sides arrange with promissory payment agreement etc., and take legal means to safeguard the rights and interests of oneself when necessary, ensure the safety of offline electronic payment, thus promoting Consumer's Experience.
The further aspect of the present invention proposes a kind of offline electronic payment system, including the offline electronic payment device for sending side terminal according to any one of technique scheme and the offline electronic payment device for receiving side terminal according to any one of technique scheme.
In this technical scheme, owing to offline electronic payment system includes according to any one of technique scheme the offline electronic payment device for receiving side terminal according to any one of the offline electronic payment device of sending side terminal and technique scheme, therefore there are all beneficial effects of offline electronic payment device, repeat no more here.
Pass through technical scheme, realizing user by the terminal communication mode (such as bluetooth) to terminal and terminal personal authentication's mode (such as fingerprint recognition), to be in network condition poor or pay without also being able to the terminal secure off-line to terminal under network environment, the offline electronic payment mode that breaks traditions must connect the constraint of network activation, make offline electronic payment more safe and efficient, there is important progressive meaning.
Detailed description of the invention
In order to the above-mentioned purpose of the present invention, feature and advantage can be more clearly understood that, below in conjunction with the drawings and specific embodiments, the present invention is further described in detail. It should be noted that when not conflicting, embodiments herein and the feature in embodiment can be mutually combined.
Elaborate a lot of detail in the following description so that fully understanding the present invention; but; the present invention can also adopt other to be different from other modes described here to implement, and therefore, protection scope of the present invention is by the restriction of following public specific embodiment.
Fig. 1 illustrates the schematic flow sheet of offline electronic payment method according to an embodiment of the invention.
Offline electronic payment method according to an embodiment of the invention as shown in Figure 1, including: step 102, foundation and the communication link between receiving side terminal; Step 104, by communication link, sends payment information to receiving side terminal, and first recipient's identity information of receiving side terminal is verified; Step 106, after being verified, first sender's identity information of checking sending side terminal, determine whether to carry out offline electronic payment according to the result.
In this technical scheme, communication link is set up between sending side terminal and receiving side terminal, and sending side terminal sends payment information by this communication link to receiving side terminal, and after first recipient's identity information of receiving side terminal is verified, verify the identity information of self, determine whether to carry out offline electronic payment according to the result, namely the identity information of receiving side terminal and sending side terminal is carried out double authentication, so, realizing user, to be in network condition poor or pay without also being able to the terminal secure off-line to terminal under network environment, the offline electronic payment mode that breaks traditions must connect the constraint of network activation, make offline electronic payment more safe and efficient, improve Consumer's Experience.
In technique scheme, preferably, when first sender's identity information is verified, generate first object Pay Bill information, to complete offline electronic payment, wherein, first object Pay Bill information at least includes one of herein below: payer account information, payment, the first sender's identity information and payment arrangement.
In this technical scheme, when first sender's identity information of sending side terminal is verified, namely self-identity information is verified, then generate first object Pay Bill information at sending side terminal, to complete offline electronic payment, wherein, first object Pay Bill information is including but not limited to: payer account information, payment (Payment Amount of both sides' agreement), first sender's identity information and payment arrangement (having the agreement of transferring accounts of legal effect); So, beneficiary can guarantee to receive the payment that both sides arrange according to the identity information of paying party, payment arrangement etc., and when necessary (such as, when completing to pay and refuse again to pay because of paying party account insufficient in amount) legal means can be adopted to safeguard the legitimate interests of self according to this first object Pay Bill information, it is effectively improved the safety of offline electronic payment, and then promotes Consumer's Experience.
In technique scheme, it is preferable that in the process of the communication link set up between receiving side terminal, also include: obtain first recipient's identity information, for the legitimacy of checking receiving side terminal; And set up communication link by end to end communication mode, wherein, end to end communication mode includes: bluetooth, WIFI and/or NFC; First recipient's identity information, first sender's identity information include: fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information.
In this technical scheme, by obtaining first recipient's identity information and verifying its legitimacy when needs carry out offline electronic payment, guarantee the safety of offline electronic payment; Setting up communication link by end to end communication mode, namely without connecting the communication that network just can directly be set up between terminal and terminal, convenient quick again, wherein, end to end communication mode is including but not limited to bluetooth, WIFI and/or NFC; And first recipient's identity information, first sender's identity information are including but not limited to fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information, i.e. personal authentication's information, ensure the uniqueness of identity information, so can realize the effective identity information that beneficiary and paying party comprise according to bill of transferring accounts, such as fingerprint image etc., and guarantee to receive the payment that both sides arrange with promissory payment agreement etc., and take legal means to safeguard the rights and interests of oneself when necessary, ensure the safety of offline electronic payment, thus promoting Consumer's Experience.
Fig. 2 illustrates the block diagram of offline electronic payment device according to an embodiment of the invention.
Offline electronic payment device 20 according to an embodiment of the invention as shown in Figure 2, including: first communication module 202, for setting up the communication link between receiving side terminal, and send payment information to receiving side terminal; First authentication module 204, for first recipient's identity information of receiving side terminal is verified, and after being verified, first sender's identity information of checking sending side terminal; First payment module 206, for determining whether to carry out offline electronic payment according to the result.
In this technical scheme, communication link is set up between sending side terminal and receiving side terminal, and sending side terminal sends payment information by this communication link to receiving side terminal, and after first recipient's identity information of receiving side terminal is verified, verify the identity information of self, determine whether to carry out offline electronic payment according to the result, namely the identity information of receiving side terminal and sending side terminal is carried out double authentication, so realizing user, to be in network condition poor or pay without also being able to the terminal secure off-line to terminal under network environment, the offline electronic payment mode that breaks traditions must connect the constraint of network activation, make offline electronic payment more safe and efficient, improve Consumer's Experience.
In technique scheme, preferably, first payment module 206 is additionally operable to: when first sender's identity information is verified, generate first object Pay Bill information, to complete offline electronic payment, wherein, first object Pay Bill information at least includes one of herein below: payer account information, payment, the first sender's identity information and payment arrangement.
In this technical scheme, when first sender's identity information of sending side terminal is verified, namely self-identity information is verified, then generate first object Pay Bill information at sending side terminal, to complete offline electronic payment, wherein, first object Pay Bill information is including but not limited to: payer account information, payment (Payment Amount of both sides' agreement), first sender's identity information and payment arrangement (having the agreement of transferring accounts of legal effect); So, beneficiary can guarantee to receive the payment that both sides arrange according to the identity information of paying party, payment arrangement etc., and when necessary (such as, when completing to pay and refuse again to pay because of paying party account insufficient in amount) legal means can be adopted to safeguard the legitimate interests of self according to this first object Pay Bill information, it is effectively improved the safety of offline electronic payment, and then promotes Consumer's Experience.
In technique scheme, it is preferable that also include: the first acquisition module 208, for, in the process of the communication link set up between receiving side terminal, obtaining first recipient's identity information, for the legitimacy of checking receiving side terminal; And set up communication link by end to end communication mode, wherein, end to end communication mode includes: bluetooth, WIFI and/or NFC; First recipient's identity information, first sender's identity information include: fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information.
In this technical scheme, by obtaining first recipient's identity information and verifying its legitimacy when needs carry out offline electronic payment, guarantee the safety of offline electronic payment; Setting up communication link by end to end communication mode, namely without connecting the communication that network just can directly be set up between terminal and terminal, convenient quick again, wherein, end to end communication mode is including but not limited to bluetooth, WIFI and/or NFC; And first recipient's identity information, first sender's identity information are including but not limited to fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information, i.e. personal authentication's information, ensure the uniqueness of identity information, so can realize the effective identity information that beneficiary and paying party comprise according to bill of transferring accounts, such as fingerprint image etc., and guarantee to receive the payment that both sides arrange with promissory payment agreement etc., and take legal means to safeguard the rights and interests of oneself when necessary, ensure the safety of offline electronic payment, thus promoting Consumer's Experience.
Fig. 3 illustrates the schematic flow sheet of offline electronic payment method according to another embodiment of the invention.
Offline electronic payment method according to another embodiment of the invention as shown in Figure 3, including: step 302, foundation and the communication link between sending side terminal; Step 304, receives the payment information from sending side terminal, and second sender's identity information of sending side terminal is verified; Step 306, after being verified, second recipient's identity information of checking receiving side terminal, determine whether to carry out offline electronic payment according to the result.
In this technical scheme, communication link is set up between receiving side terminal and sending side terminal, and receiving side terminal receives the payment information from sending side terminal by this communication link, and after second sender's identity information of sending side terminal is verified, verify the identity information of self, determine whether to carry out offline electronic payment according to the result, namely the identity information of receiving side terminal and sending side terminal is carried out double authentication, so, can realizing user, to be in network condition poor or pay without also being able to the terminal secure off-line to terminal under network environment, the offline electronic payment mode that breaks traditions must connect the constraint of network activation, make offline electronic payment more safe and efficient, improve Consumer's Experience.
In this technical scheme, second sender's identity information can identical from first sender's identity information can also be different, second recipient's identity information can identical from first recipient's identity information can also be different, according to real needs arrange.
In technique scheme, preferably, when second recipient's identity information is verified, generate the second target Pay Bill information, to complete offline electronic payment, wherein, the second target Pay Bill information at least includes one of herein below: beneficiary account information, payment, the second recipient's identity information and payment arrangement.
In this technical scheme, when second recipient's identity information of receiving side terminal is verified, namely self-identity information is verified, then generate the second target Pay Bill information at receiving side terminal, to complete offline electronic payment, wherein, the second target Pay Bill information is including but not limited to: beneficiary account information, payment (Payment Amount of both sides' agreement), second recipient's identity information and payment arrangement (having the agreement of transferring accounts of legal effect); So, paying party can according to the identity information of beneficiary, payment arrangement etc. guarantee beneficiary receive both sides agreement payment, and when necessary (such as, when beneficiary maliciously is not admitted this time to pay after receiving payment) legal means can be adopted to safeguard the legitimate interests of self according to this second target Pay Bill information, it is effectively improved the safety of offline electronic payment, and then promotes Consumer's Experience.
In technique scheme, it is preferable that in the process of the communication link set up between sending side terminal, also include: obtain second sender's identity information, for the legitimacy of checking sending side terminal; And set up communication link by end to end communication mode, wherein, end to end communication mode includes: bluetooth, WIFI and/or NFC; Second recipient's identity information, second sender's identity information include: fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information.
In this technical scheme, by obtaining second sender's identity information and verifying its legitimacy when needs carry out offline electronic payment, guarantee the safety of offline electronic payment; Setting up communication link by end to end communication mode, namely without connecting the communication that network just can directly be set up between terminal and terminal, convenient quick again, wherein, end to end communication mode is including but not limited to bluetooth, WIFI and/or NFC; And second recipient's identity information, second sender's identity information are including but not limited to fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information, i.e. personal authentication's information, ensure the uniqueness of identity information, so can realize the effective identity information that beneficiary and paying party comprise according to bill of transferring accounts, such as fingerprint image etc., and guarantee to receive the payment that both sides arrange with promissory payment agreement etc., and take legal means to safeguard the rights and interests of oneself when necessary, ensure the safety of offline electronic payment, thus promoting Consumer's Experience.
Fig. 4 illustrates the block diagram of offline electronic payment device according to another embodiment of the invention.
Offline electronic payment device 40 according to another embodiment of the invention as shown in Figure 4, including: first communication module 402, for setting up the communication link between sending side terminal, and receive the payment information from sending side terminal; Second authentication module 404, for second sender's identity information of sending side terminal is verified, and after being verified, second recipient's identity information of checking receiving side terminal; Second payment module 406, for determining whether to carry out offline electronic payment according to the result.
In this technical scheme, communication link is set up between receiving side terminal and sending side terminal, and receiving side terminal receives the payment information from sending side terminal by this communication link, and after second sender's identity information of sending side terminal is verified, verify the identity information of self, determine whether to carry out offline electronic payment according to the result, namely the identity information of receiving side terminal and sending side terminal is carried out double authentication, so, can realizing user, to be in network condition poor or pay without also being able to the terminal secure off-line to terminal under network environment, the offline electronic payment mode that breaks traditions must connect the constraint of network activation, make offline electronic payment more safe and efficient, improve Consumer's Experience.
In this technical scheme, second sender's identity information can identical from first sender's identity information can also be different, second recipient's identity information can identical from first recipient's identity information can also be different, according to real needs arrange.
In technique scheme, preferably, second payment module 406 is additionally operable to: when second recipient's identity information is verified, generate the second target Pay Bill information, to complete offline electronic payment, wherein, the second target Pay Bill information at least includes one of herein below: beneficiary account information, payment, the second recipient's identity information and payment arrangement.
In this technical scheme, when second recipient's identity information of receiving side terminal is verified, namely self-identity information is verified, then generate the second target Pay Bill information at receiving side terminal, to complete offline electronic payment, wherein, the second target Pay Bill information is including but not limited to: beneficiary account information, payment (Payment Amount of both sides' agreement), second recipient's identity information and payment arrangement (having the agreement of transferring accounts of legal effect); So, paying party can according to the identity information of beneficiary, payment arrangement etc. guarantee beneficiary receive both sides agreement payment, and when necessary (such as, when beneficiary maliciously is not admitted this time to pay after receiving payment) legal means can be adopted to safeguard the legitimate interests of self according to this second target Pay Bill information, it is effectively improved the safety of offline electronic payment, and then promotes Consumer's Experience.
In technique scheme, it is preferable that also include: the second acquisition module 408, for setting up in the process of the communication link between sending side terminal, obtain second sender's identity information, for the legitimacy of checking sending side terminal; And set up communication link by end to end communication mode, wherein, end to end communication mode includes: bluetooth, WIFI and/or NFC; Second recipient's identity information, second sender's identity information include: fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information.
In this technical scheme, by obtaining second sender's identity information and verifying its legitimacy when needs carry out offline electronic payment, guarantee the safety of offline electronic payment; Setting up communication link by end to end communication mode, namely without connecting the communication that network just can directly be set up between terminal and terminal, convenient quick again, wherein, end to end communication mode is including but not limited to bluetooth, WIFI and/or NFC; And second recipient's identity information, second sender's identity information are including but not limited to fingerprint identification information, Application on Voiceprint Recognition information and/or head portrait identification information, i.e. personal authentication's information, ensure the uniqueness of identity information, so can realize the effective identity information that beneficiary and paying party comprise according to bill of transferring accounts, such as fingerprint image etc., and guarantee to receive the payment that both sides arrange with promissory payment agreement etc., and take legal means to safeguard the rights and interests of oneself when necessary, ensure the safety of offline electronic payment, thus promoting Consumer's Experience.
Fig. 5 illustrates the block diagram of offline electronic payment system according to an embodiment of the invention.
Offline electronic payment system 50 according to an embodiment of the invention as shown in Figure 5, including the offline electronic payment device 20 for sending side terminal according to any one of technique scheme and the offline electronic payment device 40 for receiving side terminal according to any one of technique scheme.
In this technical scheme, owing to offline electronic payment system 50 includes according to any one of technique scheme the offline electronic payment device 40 for receiving side terminal according to any one of the offline electronic payment device 20 of sending side terminal and technique scheme, therefore there are all beneficial effects of offline electronic payment device, repeat no more here.
Fig. 6 illustrates the block diagram of offline electronic payment system according to another embodiment of the invention.
As shown in Figure 6, offline electronic payment system 60 according to another embodiment of the invention, including terminal A (the offline electronic payment device for sending side terminal or the offline electronic payment device for receiving side terminal) and terminal B (the offline electronic payment device for receiving side terminal or the offline electronic payment device for sending side terminal), wherein the information of two terminals of communication module primary responsibility is mutual, it is possible to be bluetooth etc.; Certification identification module (authentication module and acquisition module) primary responsibility gathers user authentication information and checking information, it is possible to be fingerprint, vocal print etc.; Payment platform (payment module) is then responsible for United Dispatching modules.
Paying the bill for terminal A to terminal B below, offline electronic payment process is as follows:
Fig. 7 illustrates the schematic diagram of offline electronic payment process according to an embodiment of the invention, and namely user A selects payment function to the user B flow process paid the bill.
Fig. 8 illustrates the schematic diagram of offline electronic payment process according to another embodiment of the invention, and namely user B selects the flow process of the payment of gathering functions reception user A.
As it is shown in fig. 7, offline electronic payment process according to an embodiment of the invention, including:
(1) user A (payer) selects payment function;
(2) user A (payer) fills in transfer information (payment information), sends to terminal B (receiving side terminal) from terminal A (sending side terminal) for by transfer information;
(3) terminal A communication module prepares and terminal B communication (setting up communication link);
(4) it is successfully connected terminal B to start to verify terminal B identity information (first recipient's identity information);
(5) judge to verify whether to pass through, if not over, then to application feedback validation failure, if being verified, prompting user A inputs fingerprint (or other authentication informations, i.e. first sender's identity information);
(6) judging that whether inputted fingerprint is consistent with user A default unblock fingerprint, if unanimously, then both sides exchange bill information (generating first object bill information, to complete offline electronic payment);
(7) processing locality bill.
As shown in Figure 8, offline electronic payment process according to another embodiment of the invention, including:
(1) user B (beneficiary) selects gathering functions;
(2) terminal B (receiving side terminal) communication module prepares (setting up communication link);
(3) it is successfully connected terminal A (sending side terminal) to start to verify terminal A identity information (second sender's identity information);
(4) judge to verify whether to pass through, if not over, to application feedback validation failure, if being verified, prompting user B inputs fingerprint (or other authentication informations, i.e. second recipient's identity information);
(5) judging that whether inputted fingerprint is consistent with user B default unblock fingerprint, if unanimously, then both sides exchange bill information (generating the second target bill information, to complete offline electronic payment);
(6) processing locality bill.
As it has been described above, party A-subscriber selects payment and gathering functions respectively with party B-subscriber, jointly generating Pay Bill information after consulting payment information, bill information should at least include following information: 1) paying party (payer) and beneficiary account information; 2) Payment Amount (payment) of both sides' agreement; 3) unlock, with user preset, the fingerprint image that fingerprint is consistent, including paying party fingerprint (first sender's identity information) and beneficiary fingerprint (second recipient's identity information); 4) there is the agreement of transferring accounts (payment arrangement) of legal effect.
After both sides complete payment activity: 1) account amount of money of proceeding in beneficiary this locality temporarily freezes, and after waiting beneficiary connected networks, checking activates; 2) amount of money that local deduction paying party produces, pending payment side is synchronized to server after connecting network.
When beneficiary or paying party connect network, server should at least verify following information: the 1) identity information of bank settlement both sides, and the purpose of checking identity information is transferred accounts for preventing malice falseness; 2) whether the paying party account amount of money (or credit) enough this time pays.
When would be likely to occur following situation when beneficiary connects network verification off-line bill: 1) it is verified, transfer accounts successfully; 2) both sides' identity information authentification failure, transfers accounts unsuccessful; 3) the paying party account amount of money (or credit) has been not enough to this time pay, and transfers accounts unsuccessful.
When occur paying party account insufficient in amount cause transferring accounts failure time, beneficiary can advice and pay side supplement with money after again complete bill; If paying party insists on mismatching, beneficiary can take legal means to safeguard the legitimate rights and interests of oneself according to effective fingerprint image that bill of transferring accounts comprises paying party and agreed payment agreement.
Equally, after beneficiary completes this time payment, beneficiary malice does not admit this time remittance, then paying party can also take legal means to safeguard the rights and interests of oneself according to the effective fingerprint image of the beneficiary that bill of transferring accounts comprises and agreed payment agreement.
Concrete application scenarios one:
This programme can apply to the Internet financial platform, each big bank client etc., it is adaptable between kith and kin, mutual off-line is transferred accounts, off-line gives bonus.
Such as: little A goes to work in certain big city, but live the mountain area that comparison is remote, it does not have the network coverage. In order to family what a surprise, when the New Year goes home, little A is intended by off-line and transfers accounts function, turns money directly in credit office's account of father and mother.
Now, little A and the terminal of its father and mother are all without networking, it is only necessary to two station terminals are by completing payment after Bluetooth pairing Consulting Trade System information, after little A returns to city working, connect network and actively complete this time transaction.
Concrete application scenarios two:
This programme can also be applied to the credit card etc. and have the fiscard class platform of state credit writing function, after both sides complete payment, if the paying party account amount of money (credit) deficiency, can recorded in personal credit record so that offline electronic payment tool public credibility.
Such as: two people of A and B arrange one piece and go to climb the mountain, and in road, A has borrowed a sum of money to B, owing to mountain area does not have network, so A has turned a sum of money as refund by payment platform offline electronic payment function to B when facing separately.
Now A and B two people's terminal just can complete without networking to pay, and B connects network activation after going home and this time pays. Although A and B is unfamiliar with mutually, but owing to Pay Bill information comprises fingerprint and the protocol information of bank settlement both sides, it is possible to safe completes this time payment.
Technical scheme provides a kind of offline electronic payment safety certification strategy, solves the problem that mobile payment must connect network, it is achieved that the secure off-line of terminal is paid by terminal.
Technical scheme is described in detail above in association with accompanying drawing, realizing user by the terminal communication mode (such as bluetooth) to terminal and terminal personal authentication's mode (such as fingerprint recognition), to be in network condition poor or pay without also being able to the terminal secure off-line to terminal under network environment, the offline electronic payment mode that breaks traditions must connect the constraint of network activation, make offline electronic payment more safe and efficient, there is important progressive meaning.
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the present invention can have various modifications and variations. All within the spirit and principles in the present invention, any amendment of making, equivalent replacement, improvement etc., should be included within protection scope of the present invention.