CN111062724A - Double-off-line account transfer transaction method and system - Google Patents
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Abstract
The invention discloses a double off-line transfer transaction method and a system, wherein the method comprises the following steps: the payer terminal and the payee terminal establish a short-distance data transmission channel in a network-free state of the two parties; the payer terminal transmits the offline transaction information to the payee terminal through the established short-distance data transmission channel; the payee terminal analyzes and checks the off-line transaction information and transmits the information checked and confirmed by the payee user to the payer terminal through the established short-distance data transmission channel; when any one end of the payer terminal or the payee terminal is on line, off-line transaction information is sent to the transaction server, the server judges whether the transaction information is normal or not, and if the transaction information is normal, the confirmed transaction information is fed back to the end on line; if the transaction is abnormal, the abnormal amount is frozen and offline transaction information is sent to an abnormal transaction tracing system; and finishing the tracing of the abnormal fund by the abnormal transaction tracing system. The invention can realize the transfer when the two parties are off-line, and the transfer transaction can be traced afterwards.
Description
Technical Field
The invention relates to the field of transfer transaction, in particular to a double off-line transfer transaction method and system.
Background
With the continuous development of mobile payment, the mobile payment is more and more accepted by people, at present, most mobile payment schemes on the market adopt an online mode, terminal equipment is required to be connected with a network, and after account transfer or payment, a third-party platform (a payment treasure and the like) generates a transaction certificate to finally complete the transaction. The network disconnection condition becomes one of the main reasons troubling the mobile payment, the devices of the mobile terminal and the payee terminal cannot be simultaneously off-line, particularly, the device of the payee terminal must be ensured to be on-line in real time to ensure that the mobile payment can be successfully completed, and if the device of the payee terminal is in an off-line state, the existing mobile payment mode cannot successfully complete the payment transaction, so that the existing mobile payment has limitations and cannot fully meet the use requirements of users.
Therefore, how to implement mobile payment without connecting to a network, so that users of both parties can implement secure offline payment to a terminal even under a poor network condition or a network-free environment, and a technical problem to be solved is urgently needed.
Disclosure of Invention
The invention aims to solve the problems, and provides a double offline transfer transaction method and a double offline transfer transaction system.
To achieve the above object, in a first aspect, the present invention provides a dual offline transfer transaction method, including the steps of:
the payer terminal and the payee terminal establish a short-distance data transmission channel in a network-free state of the two parties;
the payer terminal transmits the off-line transaction information to the payee terminal through the established short-distance data transmission channel, wherein the off-line transaction information at least comprises: transfer amount, payer account number, payment time and payer biological identification information;
the payee terminal analyzes and checks the off-line transaction information and transmits the information checked and confirmed by the payee user to the payer terminal through the established short-distance data transmission channel;
when any one end of the payer terminal or the payee terminal is on line, off-line transaction information is sent to the transaction server, the server judges whether the transaction information is normal or not, and if the transaction information is normal, the confirmed transaction information is fed back to the end on line; and if the abnormal funds are abnormal, the abnormal funds are frozen and offline transaction information is sent to an abnormal transaction tracing system, and the abnormal transaction tracing system finishes tracing of the abnormal funds.
Further, the payer terminal and the payee terminal establish a short-distance data transmission channel through Bluetooth, NFC, WIFI or two-dimensional codes.
Further, the biometric information is face image information of the payer.
Further, the payer terminal subtracts the amount of money transferred from the account balance and transmits offline transaction information to the payee terminal, and the payee terminal adds the amount of money transferred to the account balance after sending the verified transaction information to the payer terminal.
Further, the transaction server checks that the transaction information at least comprises a payer account and the balance of the payer account, and if the payer account is not checked, the transaction is judged to be abnormal; if the balance of the account of the payer is checked to be smaller than the transfer amount in the transaction information, judging that the transaction is abnormal; and if the balance obtained by subtracting the payment from the original account balance of the payer account is not equal to the existing account balance, judging that the transaction is abnormal.
Further, after the payee terminal receives and checks the off-line transaction information of the payer terminal, the self-terminal is used as the payer terminal, and then the off-line transaction information and the off-line information transferred to another payee terminal from the self-terminal are transmitted to another payee terminal through the short-distance data transmission channel.
Further, the abnormal transaction tracing system completes tracing of the abnormal fund and comprises the following steps:
obtaining traced transaction information;
analyzing the transaction information to obtain payer biological identification information;
comparing the biological identification information of the payer with the biological information of the biological information base to obtain identity information of the payer;
and tracing abnormal funds in the transaction information according to the identity information of the payer.
In a second aspect, the invention provides a double off-line transfer transaction system, which comprises a payer terminal, a payee terminal, a transaction server and an abnormal transaction tracing system,
the payer terminal and the payee terminal are connected through a short-distance data transmission channel in the state that both parties do not have networks;
the payer terminal is used for transmitting the off-line transaction information to the payee terminal through the established short-distance data transmission channel, and the off-line transaction information at least comprises the following components: transfer amount, payer account number, payment time and payer biological identification information;
the payee terminal is used for receiving and checking the off-line information of the payer terminal and transmitting the information checked and confirmed by the payee user to the payer terminal through the established short-distance data transmission channel;
the transaction server is used for detecting the validity of the off-line transaction information sent by any one of the payer terminal and the payee terminal, and if the off-line transaction information is normal, the confirmed transaction information is fed back to one end of the on-line; and if the abnormal funds are abnormal, the abnormal funds are frozen and offline transaction information is sent to an abnormal transaction tracing system, and the abnormal transaction tracing system finishes tracing of the abnormal funds.
Furthermore, the transaction server comprises an offline transaction information receiving module, an offline transaction information analyzing module, an offline transaction information checking module and a checking result sending module;
the offline information receiving module is used for receiving offline transaction information sent by the payer terminal and the payee terminal;
the off-line information analysis module is used for analyzing off-line transaction information and at least extracting a payer account and a balance of the payer account;
the information checking module is used for checking whether the account number of the payer exists and whether the balance of the account of the payer is correct, and if the account number of the payer does not exist, the transaction is judged to be abnormal; if the balance of the account of the payer is checked to be smaller than the transfer amount in the transaction information, judging that the transaction is abnormal; if the balance obtained by subtracting payment from the original account balance of the payer account is not equal to the existing account balance, judging that the transaction is abnormal;
and the checking result sending module is used for sending the transaction abnormal information to the abnormal transaction tracing system and sending the transaction normal information to the payer terminal and the payee terminal.
Further, the abnormal transaction tracing system comprises an abnormal transaction information acquisition module, an abnormal transaction information analysis module, a biological information comparison module and an abnormal fund tracing module,
the abnormal transaction information acquisition module is used for acquiring traced transaction information;
the abnormal transaction information analysis module is used for analyzing the transaction information to acquire the biological identification information of the payer;
the biological information comparison module is used for comparing the biological identification information of the payer with the biological information of the biological information base to obtain the identity information of the payer;
and the abnormal fund tracing module is used for tracing the abnormal fund in the transaction information according to the identity information of the payer.
The invention provides a double off-line transfer transaction method and a system thereof, wherein, the terminals of the paying party and the receiving and paying parties are in off-line state, the biological identification information (photo) of the paying party is taken as a part of transaction data by the terminals of the paying party, so that the transaction can be traced afterwards, the problem that the receiving and paying parties can not realize the safe off-line payment to the terminals under the poor network condition or no network environment is avoided, and the problem that the authentication is authenticated in the off-line payment of the two parties and the off-line transaction is unreliable by adopting the tracing afterwards, which is closer to the use scene of paper money and coins than the mobile payment.
Drawings
FIG. 1 is a block diagram illustrating a dual offline transfer transaction system according to an embodiment of the present invention;
FIG. 2 is a flow chart of a method of dual offline transfer transactions provided by an embodiment of the present invention;
FIG. 3 is a flow chart of the offline portion of a dual offline transfer transaction method according to an embodiment of the present invention;
FIG. 4 is a flow chart illustrating on-line delay synchronization in a dual offline transfer transaction method according to an embodiment of the present invention;
FIG. 5 is a flowchart of abnormal transaction tracing in a dual offline transfer transaction method according to an embodiment of the present invention;
FIG. 6 is a flow chart of a multiple offline transfer transaction method according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It is to be noted that the drawings are merely illustrative and not to be drawn to strict scale, and that there may be some enlargement and reduction for the convenience of description, and there may be some default to the known partial structure.
Fig. 1 is a block diagram illustrating a dual offline transfer transaction system according to an embodiment of the present invention.
As shown in fig. 1, the dual offline transfer transaction system provided by the embodiment of the present invention includes a payer terminal 1, a payee terminal 2, a transaction server 3, and an abnormal transaction tracing system 4. The payment side terminal 1 is a mobile terminal of the payment side, the collection side terminal 2 is a mobile terminal of the collection side, the mobile terminals are a smart phone and a tablet personal computer, and the payment side and the collection side realize transfer transactions of the payment side and the collection side through the mobile terminals. The transaction server 3 is a background server for processing transaction information. The abnormal transaction tracing system 4 is mainly used for tracing the abnormal transaction information.
Under the condition that the network conditions of the payer terminal 1 and the payee terminal 2 are poor or no network environment, the payer terminal 1 and the payee terminal 2 establish a short-distance data transmission channel, and the payer terminal and the payee terminal include but are not limited to establish the short-distance data transmission channel through Bluetooth, WIFI, NFC or two-dimensional codes. The establishment of the Bluetooth channel is realized by the pairing connection of the payer terminal and the payee terminal through Bluetooth. When the Bluetooth channel is used, the payer terminal packs and compresses the transfer amount, the payer account, the payment time and the payer biological identification information, and sends the transfer amount, the payer account, the payment time and the payer biological identification information to the payee terminal 2 through Bluetooth. The payee terminal 2 receives the compressed packet through the bluetooth and decompresses the packet to obtain the transaction information. The establishment of the NFC channel is realized by the induction of the payment terminal and the collection terminal through respective internal NFC antennas. When the NFC channel is used, the payer terminal packs and compresses the transfer amount, the payer account, the payment time and the payer biological identification information, and sends the transfer amount, the payer account, the payment time and the payer biological identification information to the payee terminal 2 through the NFC antenna. And the payee terminal 2 receives the compressed packet through the NFC antenna and decompresses the compressed packet to acquire the transaction information. The establishment of the two-dimension code channel is realized by the fact that the payer terminal generates the two-dimension code and the payee terminal identifies the two-dimension code, when the two-dimension code channel is used, the payer terminal encodes the transfer amount, the payer account number, the payment time and the payer biological identification information to generate a two-dimension code picture, and the payee terminal performs code scanning identification to obtain the transaction information of the payer terminal.
The payer terminal 1 is mainly responsible for transmitting the off-line transaction information to the payee terminal through the established short-distance data transmission channel, wherein the off-line transaction information at least comprises: transfer amount, payer account number, payment time and payer biological identification information, wherein the payer biological identification information is face image information. The offline transaction information may also include a payee account number, payer private key signature.
And the payee terminal 2 is mainly responsible for receiving and checking the off-line information of the payer terminal 1, and transmitting the information (with the payee account) checked and confirmed by the payee user to the payer terminal 1 through the established short-distance data transmission channel. The collated information includes at least: transfer amount and payer biometric information, and also check payer name and account number, payer private key signature and transaction time.
The transaction server 3 is mainly responsible for detecting the validity of the off-line transaction information sent by any one of the payer terminal and the payee terminal, and if the off-line transaction information is normal, the confirmed transaction information is fed back to the on-line end; and if the abnormal amount is abnormal, the abnormal amount is frozen and offline transaction information is sent to an abnormal transaction tracing system.
The transaction server 3 includes an offline transaction information receiving module 31, an offline transaction information analyzing module 32, an offline transaction information checking module 33, and a checking result transmitting module 34.
The offline information receiving module 31 is mainly responsible for receiving offline transaction information sent by the payer terminal and the payee terminal.
The offline information analyzing module 32 is mainly responsible for analyzing the offline transaction information and extracting at least the payer account number and the balance of the payer account.
The information checking module 33 is mainly responsible for checking whether the account number of the payer exists and whether the balance of the account of the payer is correct, and if the account number of the payer does not exist, the transaction is judged to be abnormal; if the balance of the account of the payer is checked to be smaller than the transfer amount in the transaction information, judging that the transaction is abnormal; and if the balance obtained by subtracting the payment from the original account balance of the payer account is not equal to the existing account balance, judging that the transaction is abnormal.
The check result sending module 34 is mainly responsible for sending the transaction abnormal information to the abnormal transaction tracing system and sending the transaction normal information to the payer terminal and the payee terminal.
The abnormal transaction tracing system 4 is mainly used for processing abnormal transaction information and tracing abnormal funds, and includes an abnormal transaction information obtaining module 41, an abnormal transaction information analyzing module 42, a biological information comparing module 43 and an abnormal funds tracing module 44.
The abnormal transaction information obtaining module 41 is mainly responsible for obtaining the traced transaction information, that is, receiving the abnormal transaction information sent by the transaction server.
The abnormal transaction information parsing module 42 is mainly responsible for parsing the transaction information to obtain the payer biometric information.
The biological information comparison module 43 is mainly responsible for comparing the biological identification information of the payer with the biological information of the biological information base to obtain the identity information of the payer.
The abnormal fund tracing module 44 is mainly responsible for tracing the abnormal fund in the transaction information according to the identity information of the payer.
Fig. 2 is a flowchart of a dual offline transfer transaction method according to an embodiment of the present invention.
In step 201, when the payer terminal and the payee terminal are in poor network conditions or in a non-network environment, the payer terminal and the payee terminal establish a short-distance data transmission channel, and the payer terminal and the payee terminal include but are not limited to establish a short-distance data transmission channel through bluetooth, WIFI, NFC or two-dimensional codes.
In step 202, when both parties need to transfer money and pay, the payer terminal first checks whether the transfer balance is enough, if so, the off-line transaction information is transmitted to the payee terminal through the established short-distance data transmission channel, and the off-line transaction information at least comprises: the transfer amount, payer account number, payment time and payer biometric information may also include the payer account number and the payer private key signature. The payer terminal then subtracts the transfer amount from the transaction information from the account balance. The payee terminal receives the off-line information of the payer terminal through the established short-distance data transmission channel, analyzes and checks the off-line information, and the checked transaction information at least comprises the transfer amount and the biological identification information of the payer, and also can comprise the name of the payer, the account number of the payer, the private key signature of the payer, the transaction time of payment and the like. After the payee confirms that the amount of the transferred account and the biological identification information of the payer are correct, the confirmed transaction information with the account number of the payee is transmitted to the payer terminal through the short-distance data transmission channel, and the off-line transaction of the payer terminal is completed. Meanwhile, the payee terminal adds the account balance to the transfer amount to complete the off-line transaction, which refers to fig. 3.
In step 203, when any one of the payer terminal and the payee terminal is online, i.e. connected to the network, the offline transaction information is sent to the transaction server, and the offline transaction information at least includes the transfer amount, the payer account number, the payee account number, the payer biological identification information, the transaction time, and may also include the payer private key signature. After receiving the off-line transaction information, the transaction server detects the validity of the off-line transaction information, including but not limited to detecting whether the account number of the payer exists or not and detecting whether the balance of the account of the payer is correct or not, and if so, feeds back the confirmed transaction information to one end of the on-line. If the payer account does not exist, judging that the transaction is abnormal; if the balance of the account of the payer is checked to be smaller than the transfer amount in the transaction information, judging that the transaction is abnormal; if the balance obtained by subtracting payment from the original account balance of the payer account is not equal to the existing account balance, judging that the transaction is abnormal; when the abnormal amount is judged, the abnormal amount is frozen, the result is sent to the payer terminal or the payee terminal, and the offline transaction information is sent to the abnormal transaction tracing system, and the step refers to fig. 4.
In step 204, after the abnormal transaction tracing system receives the traced off-line transaction information, the transaction information is analyzed to obtain the payer biological identification information, such as the payer face image information. And comparing the biological identification information of the payer with the biological information of the biological information base to obtain the identity information of the payer. The biological information base is an authoritative biological information base, including but not limited to a biological identification information base of a public security department. The abnormal funds in the transaction information are traced back according to the payer identity information, which step is described with reference to fig. 5.
In specific implementation, the embodiment of the present invention may also perform offline transfer for multiple times, as shown in fig. 6, where the user terminal a transfers offline to the user terminal B, and when the user terminal B is not synchronized online, transfers offline to the user terminal C (or more users). The transaction information content and the transfer process are the same as those of the two ends, and specifically the following steps are carried out: the user terminal ABC is in an environment without a network, the user terminal A and the user terminal B establish a short-distance data transmission channel, the user terminal B and the user terminal C establish a short-distance data transmission channel, the user terminal A generates transaction information of the user terminal A, the transaction information is recorded as T (AB), and the transaction information T (AB) is transmitted to the user terminal B through the short-distance data transmission channel. The user terminal B receives the transaction information T (AB) of the user terminal A through the established short-distance data transmission channel, analyzes and checks the transaction information T (AB), generates the transaction information of the user terminal B for transferring the account of the user terminal C after the transaction information T (AB) is checked to be correct, records the transaction information as T (BC), and transmits the transaction information T (AB) and T (BC) to the user terminal C through the short-distance data transmission channel. The user terminal C receives the transaction information T (AB) and T (BC) of the user terminal B through the established short-distance data transmission channel and checks the transaction information T (BC). When any end of the user terminal B or the user terminal C is on line, offline transaction information T (AB) and T (BC) is sent to a transaction server, the transaction server detects validity of the offline transaction information T (AB) and T (BC), for example, whether account numbers of the user terminal A and the user terminal B exist or not and whether account balances of the user terminal A and the user terminal B are correct or not are detected, if the account number of the user terminal A does not exist or the account balance is incorrect, the transaction information of the user terminal A is judged to be abnormal, and the user A needs to be traced. Similarly, if the account number of the user terminal B does not exist or the account balance is incorrect, it is determined that the transaction information of the user terminal B is abnormal, and the user B needs to be traced. By the embodiment, under the condition that the user terminal A and the user terminal B are both offline, the transaction information of the user terminal A and the user terminal B can be quickly synchronized on line by means of the subsequent transaction user terminal C.
To sum up, the double offline transfer transaction method and system provided by the invention have the advantages that the payment party terminal takes the biological identification information (photo) of the payment party as a part of the transaction data when the payment party and the receipt party are in an offline state, so that the transaction can be traced afterwards, the problem that the payment party and the receipt party cannot realize safe offline payment to the terminal under the condition of poor network condition or no network environment is avoided, the problem that authentication is authenticated in offline payment of the payment parties and the reliability is not good during offline transaction is solved by adopting the tracing afterwards to make up for the deficiency is solved, and the method is closer to the use scene of paper money and coins than mobile payment.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are merely exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A dual offline transfer transaction method, comprising the steps of:
the payer terminal and the payee terminal establish a short-distance data transmission channel in a network-free state of the two parties;
the payer terminal transmits the off-line transaction information to the payee terminal through the established short-distance data transmission channel, wherein the off-line transaction information at least comprises: transfer amount, payer account number, payment time and payer biological identification information; the payee terminal analyzes and checks the off-line transaction information and transmits the information checked and confirmed by the payee user to the payer terminal through the established short-distance data transmission channel;
when any one end of the payer terminal or the payee terminal is on line, off-line transaction information is sent to the transaction server, the server judges whether the transaction information is normal or not, and if the transaction information is normal, the confirmed transaction information is fed back to the end on line; if the transaction is abnormal, the abnormal amount is frozen and offline transaction information is sent to an abnormal transaction tracing system;
and finishing the tracing of the abnormal fund by the abnormal transaction tracing system.
2. A dual offline transfer transaction method according to claim 1, wherein the payer terminal and the payee terminal establish a short-range data transmission channel through bluetooth, NFC, WIFI or two-dimensional code.
3. A dual offline transfer transaction method as recited in claim 1, wherein said biometric information is payer face image information.
4. A dual offline transfer transaction method as recited in claim 1, wherein the payer terminal transmits the offline transaction information to the payee terminal after subtracting the amount of the transferred transaction from the account balance, and the payee terminal adds the amount of the transferred transaction to the account balance after transmitting the verified transaction information to the payer terminal.
5. A double offline transfer transaction method according to claim 1, wherein the transaction service side checks that the transaction information at least includes a payer account number and a balance of the payer account, and if the payer account number is checked to be absent, it is determined that the transaction is abnormal; if the balance of the account of the payer is checked to be smaller than the transfer amount in the transaction information, judging that the transaction is abnormal; and if the balance obtained by subtracting the payment from the original account balance of the payer account is not equal to the existing account balance, judging that the transaction is abnormal.
6. A dual offline transfer transaction method as recited in claim 1, wherein the payee terminal receives and checks the offline transaction information of the payer terminal, and then transmits the offline transaction information and the offline information transferred from the end to another payee terminal through the short-distance data transmission channel by using the self-end as the payer terminal.
7. A dual offline transfer transaction method as recited in claim 1, wherein said abnormal transaction tracing system completing the tracing of abnormal funds comprises the steps of:
obtaining traced transaction information;
analyzing the transaction information to obtain payer biological identification information;
comparing the biological identification information of the payer with the biological information of the biological information base to obtain identity information of the payer;
and tracing abnormal funds in the transaction information according to the identity information of the payer.
8. A double off-line account transfer transaction system is characterized in that the system comprises a payer terminal, a payee terminal, a transaction server and an abnormal transaction tracing system,
the payer terminal and the payee terminal are connected through a short-distance data transmission channel in the state that both parties do not have networks;
the payer terminal is used for transmitting the off-line transaction information to the payee terminal through the established short-distance data transmission channel, and the off-line transaction information at least comprises the following components: transfer amount, payer account number, payment time and payer biological identification information;
the payee terminal is used for receiving and checking the off-line information of the payer terminal and transmitting the information checked and confirmed by the payee user to the payer terminal through the established short-distance data transmission channel;
the transaction server is used for detecting the validity of the off-line transaction information sent by any one of the payer terminal and the payee terminal, and if the off-line transaction information is normal, the confirmed transaction information is fed back to one end of the on-line; and if the abnormal funds are abnormal, the abnormal funds are frozen and offline transaction information is sent to an abnormal transaction tracing system, and the abnormal transaction tracing system finishes tracing of the abnormal funds.
9. A dual offline transfer transaction system as recited in claim 8, wherein said transaction server comprises an offline transaction information receiving module, an offline transaction information parsing module, an offline transaction information collating module and a collating result transmitting module;
the offline information receiving module is used for receiving offline transaction information sent by the payer terminal and the payee terminal;
the off-line information analysis module is used for analyzing off-line transaction information and at least extracting a payer account and a balance of the payer account;
the information checking module is used for checking whether the account number of the payer exists and whether the balance of the account of the payer is correct, and if the account number of the payer does not exist, the transaction is judged to be abnormal; if the balance of the account of the payer is checked to be smaller than the transfer amount in the transaction information, judging that the transaction is abnormal; if the balance obtained by subtracting payment from the original account balance of the payer account is not equal to the existing account balance, judging that the transaction is abnormal;
and the checking result sending module is used for sending the transaction abnormal information to the abnormal transaction tracing system and sending the transaction normal information to the payer terminal and the payee terminal.
10. A dual offline transfer transaction system as recited in claim 8, wherein said abnormal transaction tracing system comprises an abnormal transaction information acquisition module, an abnormal transaction information parsing module, a biological information comparison module and an abnormal fund tracing module,
the abnormal transaction information acquisition module is used for acquiring traced transaction information;
the abnormal transaction information analysis module is used for analyzing the transaction information to acquire the biological identification information of the payer;
the biological information comparison module is used for comparing the biological identification information of the payer with the biological information of the biological information base to obtain the identity information of the payer;
and the abnormal fund tracing module is used for tracing the abnormal fund in the transaction information according to the identity information of the payer.
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111985922A (en) * | 2020-08-26 | 2020-11-24 | 冒炜 | Information distribution method based on block chain offline payment and digital financial service platform |
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Application publication date: 20200424 |