阅读说明：本技术 用于双离线场景下的聚合支付方法、装置及接收端 (Aggregation payment method and device used in double off-line scene and receiving end ) 是由 刘高峰 于 2021-04-08 设计创作，主要内容包括：本发明公开了一种用于双离线场景下的聚合支付方法、装置及接收端。所述方法包括：通过本地通信获取支付端的离线支付凭证,所述离线支付凭证包括相应的数字资产和验证信息；确定所述离线支付凭证对应的支付方式；调用所述支付方式对应的验证方式以根据所述验证信息对所述离线支付凭证进行验证；在验证所述离线支付凭证合法之后,确定所述支付端支付成功。本方法可以在接收端上整合多种双离线支付方式,使得接收端在接收到离线支付凭证之后,可以在支付端和接收端都不能与数字资产服务端进行实时通信的场景下,自动判断和调用该离线支付凭证对应的验证方式以进行离线支付验证,简化了接收端的操作,提高了接收端的使用体验和使用效率。(The invention discloses an aggregation payment method, an aggregation payment device and a receiving end used in a double off-line scene. The method comprises the following steps: obtaining an offline payment certificate of a payment end through local communication, wherein the offline payment certificate comprises corresponding digital assets and verification information; determining a payment mode corresponding to the off-line payment voucher; calling a verification mode corresponding to the payment mode to verify the offline payment certificate according to the verification information; and after verifying that the offline payment certificate is legal, determining that the payment of the payment terminal is successful. According to the method, multiple double off-line payment modes can be integrated on the receiving end, so that after the receiving end receives the off-line payment certificate, the verification mode corresponding to the off-line payment certificate can be automatically judged and called to carry out off-line payment verification in the scene that the payment end and the receiving end cannot communicate with the digital asset server in real time, the operation of the receiving end is simplified, and the use experience and the use efficiency of the receiving end are improved.)

1. A method for aggregating payment under a double offline scene is applied to a receiving end, the receiving end aggregates multiple double offline payment modes, wherein each payment mode has a verification mode corresponding to each payment mode, and the method comprises the following steps:

obtaining an offline payment certificate of a payment end through local communication, wherein the offline payment certificate comprises corresponding digital assets and verification information;

determining a payment mode corresponding to the off-line payment voucher;

calling a verification mode corresponding to the payment mode to verify the offline payment certificate according to the verification information;

and after verifying that the offline payment certificate is legal, determining that the payment of the payment terminal is successful.

2. The method of claim 1, wherein the determining the payment method corresponding to the offline payment credential comprises:

obtaining payment identification information corresponding to the offline payment voucher, wherein the payment identification information is used for identifying a corresponding payment mode; alternatively, the first and second electrodes may be,

and identifying the format of the offline payment voucher according to a preset data format rule, so as to determine the payment mode corresponding to the offline payment voucher.

3. The method of claim 1, wherein the verification method corresponding to each payment method comprises:

a merchant verification method, specifically, the verification information includes merchant identification information, the included merchant identification information is obtained, the merchant identification information of the receiving end is obtained, whether the merchant identification information of the receiving end is consistent with the included merchant identification information is judged, and if so, verification is determined to be passed; and/or the first and/or second light sources,

a signature verification mode, specifically, the verification information includes a signature value, the signature value is generated by the payment terminal performing digital signature on the information to be signed, the information to be signed includes the corresponding digital asset, and the offline payment certificate is subjected to digital signature verification according to the signature value by using a corresponding digital signature verification mode;

and if the implemented verification modes all determine that the verification is passed, determining that the offline payment voucher is legal.

4. The method of claim 1, further comprising, after the determining that the payend payment was successful:

and sending the offline payment certificate to a server corresponding to the payment mode, so that the corresponding server transfers the digital assets according to the offline payment certificate.

5. An aggregated payment device for use in a dual offline scenario, the device comprising:

the system comprises an acquisition module, a verification module and a verification module, wherein the acquisition module is used for acquiring an offline payment certificate of a payment terminal through local communication, and the offline payment certificate comprises corresponding digital assets and verification information;

the identification module is used for determining a payment mode corresponding to the offline payment certificate;

the calling module is used for calling the verification module corresponding to the payment mode to verify the offline payment certificate according to the verification information, wherein the calling module calls the first verification module if the payment mode is the first payment mode, and calls the second verification module if the payment mode is the second payment mode;

the verification module I is used for verifying the offline payment certificate of which the payment mode is the payment mode I;

the verification module II is used for verifying the offline payment certificate of which the payment mode is the payment mode II;

and the acceptance module is used for determining that the payment of the payment terminal is successful after the offline payment voucher is verified to be legal.

6. The apparatus of claim 5, wherein the identification module comprises:

the acquisition and identification unit is used for acquiring payment identification information corresponding to the offline payment certificate, and the payment identification information is used for identifying a corresponding payment mode; alternatively, the first and second electrodes may be,

and the format identification unit is used for identifying the format of the offline payment voucher according to a preset data format rule so as to determine the payment mode corresponding to the offline payment voucher.

7. The apparatus according to claim 5, wherein the first verification module comprises a first merchant verification unit or/and a first signature verification unit or/and the second verification module comprises a second merchant verification unit or/and a second signature verification unit, wherein:

the first merchant verification unit is used for acquiring the included merchant identification information and the merchant identification information of the receiving end if the verification information includes the merchant identification information, judging whether the merchant identification information of the receiving end is consistent with the included merchant identification information or not, and determining that the verification is passed if the merchant identification information of the receiving end is consistent with the included merchant identification information;

the first signature verification unit is configured to, if the verification information includes a signature value, where the signature value is a signature value generated by the payment terminal performing digital signature on information to be signed and the information to be signed includes the corresponding digital asset, perform digital signature verification on the offline payment credential according to the signature value, where a verification manner of the digital signature verification is a digital signature verification manner corresponding to the first payment manner;

the second merchant verification unit is used for acquiring the included merchant identification information and the merchant identification information of the receiving end if the verification information includes the merchant identification information, judging whether the merchant identification information of the receiving end is consistent with the included merchant identification information or not, and determining that the verification is passed if the merchant identification information of the receiving end is consistent with the included merchant identification information;

the second signature verification unit is configured to, if the verification information includes a signature value, where the signature value is a signature value generated by the payment terminal performing digital signature on information to be signed and the information to be signed includes the corresponding digital asset, perform digital signature verification on the offline payment credential according to the signature value, where a verification manner of the digital signature verification is a digital signature verification manner corresponding to the second payment manner;

when the included verification units determine that the verification is passed when executed, the offline payment credential is determined to be legal.

8. The method of claim 5, wherein the apparatus further comprises:

and the sending module is used for sending the offline payment certificate to a server corresponding to the payment mode so that the corresponding server transfers the digital assets according to the offline payment certificate.

9. A sink device, characterized in that the sink device comprises a processor and a memory, the processor is configured to execute a program stored in the memory, and the program executes to perform the method according to any one of claims 1 to 4.

10. A storage medium characterized in that the storage medium has stored therein a program for implementing a method comprising any one of claims 1 to 4.

[ technical field ] A method for producing a semiconductor device

The invention relates to the technical field of digital assets, in particular to an aggregation payment method, an aggregation payment device and a receiving end for a double-off-line scene.

[ background of the invention ]

Digital assets refer to assets that exist in the form of electronic data, such as virtual assets, digital currency, electronic currency, and the like. In the network payment service of the digital assets, it is a common situation that at least one of a payment end (such as a payer device) and a receiving end (such as a payee device) can communicate with a digital asset server (such as a registration center and a payment center) in real time and send a request for paying the digital assets or receiving the digital assets to the digital asset server, and the digital asset server transfers the digital assets in real time according to the received request.

The double off-line scene refers to a scene when the payment end and the receiving end can not communicate with the digital asset server end in real time, for example, a running airplane, a remote mountain area or a ship in public sea or an underground mall without network signal coverage, a large dining room with tens of thousands of people eating at the same time to cause network payment jam, a communication network or the digital asset server end has a fault, and the like, so that the payment end and the receiving end can not communicate with the digital asset server end in real time. Accordingly, a dual offline payment refers to a payment made in a dual offline scenario.

With the rapid advance of digital asset services in the fields of finance, payment and the like, for example, pay-bank, wechat payment, central bank digital currency, various bank payment services and the like, there is a need and necessity for implementing dual offline payment, and therefore, for dual offline payment methods of pay-bank, wechat payment, central bank digital currency, various bank payment services and the like, in order to simplify the operation of a receiving end and improve the use experience, it is necessary to provide an aggregate payment capability in a dual offline scene, and integrate multiple dual offline payment methods on the receiving end.

It is important to note that the above background information is only used to enhance an understanding of the background of the present invention and, thus, may include prior art information that does not constitute a part of the present disclosure as known to one of ordinary skill in the art.

[ summary of the invention ]

The main purpose of the present invention is to provide a method, an apparatus and a receiving end for aggregated payment in a dual offline scenario, so as to solve at least to some extent one or more technical problems caused by limitations and defects of related technologies, including the following technical solutions:

in a first aspect, a method for aggregating payment methods in a dual offline scenario is provided, where the method is applied to a receiving end, and the receiving end aggregates multiple dual offline payment methods, where each payment method has a verification method corresponding to each payment method, and the method includes:

obtaining an offline payment certificate of a payment end through local communication, wherein the offline payment certificate comprises corresponding digital assets and verification information;

determining a payment mode corresponding to the off-line payment voucher;

calling a verification mode corresponding to the payment mode to verify the offline payment certificate according to the verification information;

and after verifying that the offline payment certificate is legal, determining that the payment of the payment terminal is successful.

Preferably, the local communication includes local area network communication or/and near field communication.

Preferably, the near field communication includes a communication mode of bluetooth, infrared ray, NFC, WIFI, sound wave, BLE or graphic code.

Preferably, the corresponding digital assets include:

a digital asset in the form of a balance, or a digital asset in the form of a string of characters.

Preferably, the determining the payment method corresponding to the offline payment credential includes:

obtaining payment identification information corresponding to the offline payment voucher, wherein the payment identification information is used for identifying a corresponding payment mode; alternatively, the first and second electrodes may be,

and identifying the format of the offline payment voucher according to a preset data format rule, so as to determine the payment mode corresponding to the offline payment voucher.

Preferably, the obtaining of the payment identification information corresponding to the offline payment credential includes:

the off-line payment voucher comprises payment identification information of the payment terminal, and the payment identification information is obtained from the off-line payment voucher; alternatively, the first and second electrodes may be,

acquiring the payment identification information according to client identification information carried by the payment terminal when the off-line payment certificate is sent; alternatively, the first and second electrodes may be,

and acquiring associated payment identification information as the payment identification information according to the session state of the receiving end and the payment end.

Preferably, the invoking of the verification method corresponding to the payment method includes:

if the payment mode is the first payment mode, calling a first verification mode, wherein the first verification mode is a verification mode corresponding to the first payment mode;

and if the payment mode is the second payment mode, calling a second verification mode, wherein the second verification mode is a verification mode corresponding to the second payment mode.

Preferably, the verification method corresponding to each payment method includes:

a merchant verification method, specifically, the verification information includes merchant identification information, the included merchant identification information is obtained, the merchant identification information of the receiving end is obtained, whether the merchant identification information of the receiving end is consistent with the included merchant identification information is judged, and if so, verification is determined to be passed; and/or the first and/or second light sources,

a signature verification mode, specifically, the verification information includes a signature value, the signature value is generated by the payment terminal performing digital signature on the information to be signed, the information to be signed includes the corresponding digital asset, and the offline payment certificate is subjected to digital signature verification according to the signature value by using a corresponding digital signature verification mode;

and if the implemented verification modes all determine that the verification is passed, determining that the offline payment voucher is legal.

Preferably, if the verification method corresponding to each payment method includes a merchant verification method, the acquiring the merchant identification information of the receiving end includes:

if the same merchant identification information is registered by the receiving end on the service end corresponding to each payment mode, the same merchant identification information is preset by the receiving end, and the receiving end acquires the same merchant identification information as the merchant identification information of the receiving end; alternatively, the first and second electrodes may be,

if the merchant identification information registered by the receiving end on the service end corresponding to each payment mode is different, the receiving end establishes a corresponding relationship between the payment mode and the merchant identification information in advance, and acquires the corresponding merchant identification information as the merchant identification information of the receiving end according to the payment mode through the corresponding relationship; alternatively, the first and second electrodes may be,

if the merchant identification information registered by the receiving terminal on the service terminal corresponding to each payment mode is different, the verification mode corresponding to each payment mode also sets corresponding merchant identification information, so that the verification mode corresponding to each payment mode obtains the corresponding merchant identification information as the merchant identification information of the receiving terminal; alternatively, the first and second electrodes may be,

and acquiring the associated merchant identification information as the merchant identification information of the receiving end according to the session state of the receiving end and the payment end.

Preferably, if the merchant verification manner is implemented, the determining whether the merchant identification information of the receiving end is consistent with the merchant identification information includes:

if the merchant identification information of the receiving end is one merchant identification information, comparing the merchant identification information of the receiving end with the included merchant identification information, and if the merchant identification information of the receiving end is consistent with the included merchant identification information, determining that the verification is passed; alternatively, the first and second electrodes may be,

if the merchant identification information of the receiving end includes a plurality of merchant identification information, comparing the plurality of merchant identification information with the included merchant identification information respectively, and if any one of the merchant identification information is consistent with the included merchant identification information, determining that the verification is passed.

Preferably, if the verification method corresponding to each payment method includes a merchant verification method, before the obtaining the offline payment credential of the payment terminal through local communication, the method further includes:

and obtaining preset merchant identification information and returning the preset merchant identification information to the payment terminal, so that the payment terminal comprises the preset merchant identification information in the generated offline payment certificate.

Preferably, the acquiring the preset merchant identification information includes:

in the first acquisition mode, if the same merchant identification information is registered by the receiving end on the service end corresponding to each payment mode, the same merchant identification information is preset by the receiving end, and the receiving end acquires the same merchant identification information; alternatively, the first and second electrodes may be,

and if the merchant identification information registered by the receiving end on the service end corresponding to each payment mode is different, the receiving end establishes a corresponding relation between the payment identification information and the merchant identification information in advance, acquires the payment identification information according to the payment request and acquires the corresponding merchant identification information according to the payment identification information through the corresponding relation, wherein the payment identification information is used for identifying the corresponding payment mode.

Preferably, if the first obtaining mode is implemented and the receiving end provides support for multiple merchants, the method further includes:

the receiving end presetting the same merchant identification information comprises: pre-establishing a corresponding relation between the mapping character string and the same merchant identification information;

the payment request also comprises a mapping character string, and the receiving end acquires the mapping character string;

the receiving end acquiring the same merchant identification information includes: and the receiving end acquires corresponding merchant identification information through the corresponding relation according to the mapping character string.

Preferably, if the second obtaining method is implemented and the receiving end provides support for multiple merchants, the method further includes:

the receiving end pre-establishes a corresponding relationship between the payment identification information and the merchant identification information, and comprises the following steps: pre-establishing a corresponding relation among the mapping character string, the payment identification information and the merchant identification information;

the payment request also comprises a mapping character string, and the receiving end acquires the mapping character string;

the acquiring the corresponding merchant identification information through the corresponding relationship according to the payment identification information includes: and acquiring corresponding merchant identification information according to the mapping character string and the payment identification information through the corresponding relation.

Preferably, the merchant identification information includes:

a terminal device identification, a chip card identification, a cell phone number, an account number, a digital certificate, a public key, an address generated based on a public key, or other information that may be used to uniquely determine a digital asset receiving account.

Preferably, the corresponding digital signature verification method includes:

and the corresponding digital signature verifies the related encryption algorithm, or/and the corresponding generation mode of the information to be verified, or/and the corresponding public key, or/and the corresponding root certificate, or/and the corresponding public parameter.

Preferably, the invoking the verification method corresponding to the payment method to verify the offline payment credential according to the verification information further includes:

and calling a verification SDK corresponding to the payment mode to verify the offline payment certificate according to the verification information.

Preferably, after the determination that the payment is successful, the method further includes:

and sending the offline payment certificate to a server corresponding to the payment mode, so that the corresponding server transfers the digital assets according to the offline payment certificate.

Preferably, the sending the offline payment credential to the server corresponding to the payment method includes:

the receiving end establishes network connection with the corresponding server end, and sends the offline payment certificate to the corresponding server end through a network; alternatively, the first and second electrodes may be,

and the receiving end synchronizes the offline payment certificate to the transfer equipment, so that the transfer equipment sends the offline payment certificate to the corresponding server through the network.

In a second aspect, an aggregate payment apparatus for use in a dual offline scenario is provided, the apparatus comprising:

the system comprises an acquisition module, a verification module and a verification module, wherein the acquisition module is used for acquiring an offline payment certificate of a payment terminal through local communication, and the offline payment certificate comprises corresponding digital assets and verification information;

the identification module is used for determining a payment mode corresponding to the offline payment certificate;

the calling module is used for calling the verification module corresponding to the payment mode to verify the offline payment certificate according to the verification information, wherein the calling module calls the first verification module if the payment mode is the first payment mode, and calls the second verification module if the payment mode is the second payment mode;

the verification module I is used for verifying the offline payment certificate of which the payment mode is the payment mode I;

the verification module II is used for verifying the offline payment certificate of which the payment mode is the payment mode II;

and the acceptance module is used for determining that the payment of the payment terminal is successful after the offline payment voucher is verified to be legal.

Preferably, the identification module includes:

the acquisition and identification unit is used for acquiring payment identification information corresponding to the offline payment certificate, and the payment identification information is used for identifying a corresponding payment mode; alternatively, the first and second electrodes may be,

and the format identification unit is used for identifying the format of the offline payment voucher according to a preset data format rule so as to determine the payment mode corresponding to the offline payment voucher.

Preferably, the acquisition identification unit includes:

the acquisition and identification subunit one is used for acquiring the payment identification information from the offline payment certificate, wherein the offline payment certificate comprises the payment identification information of the payment terminal; alternatively, the first and second electrodes may be,

the second acquiring and identifying subunit is used for acquiring the payment identification information according to client identification information carried by the payment terminal when the off-line payment certificate is sent; alternatively, the first and second electrodes may be,

and the third acquiring and identifying subunit is used for acquiring associated payment identification information as the payment identification information according to the session state of the receiving end and the payment end.

Preferably, the first verification module includes a first merchant verification unit or/and a first signature verification unit or/and the second verification module includes a second merchant verification unit or/and a second signature verification unit, where:

the first merchant verification unit is used for acquiring the included merchant identification information and the merchant identification information of the receiving end if the verification information includes the merchant identification information, judging whether the merchant identification information of the receiving end is consistent with the included merchant identification information or not, and determining that the verification is passed if the merchant identification information of the receiving end is consistent with the included merchant identification information;

the first signature verification unit is configured to, if the verification information includes a signature value, where the signature value is a signature value generated by the payment terminal performing digital signature on information to be signed and the information to be signed includes the corresponding digital asset, perform digital signature verification on the offline payment credential according to the signature value, where a verification manner of the digital signature verification is a digital signature verification manner corresponding to the first payment manner;

the second merchant verification unit is used for acquiring the included merchant identification information and the merchant identification information of the receiving end if the verification information includes the merchant identification information, judging whether the merchant identification information of the receiving end is consistent with the included merchant identification information or not, and determining that the verification is passed if the merchant identification information of the receiving end is consistent with the included merchant identification information;

the second signature verification unit is configured to, if the verification information includes a signature value, where the signature value is a signature value generated by the payment terminal performing digital signature on information to be signed and the information to be signed includes the corresponding digital asset, perform digital signature verification on the offline payment credential according to the signature value, where a verification manner of the digital signature verification is a digital signature verification manner corresponding to the second payment manner;

when the included verification units determine that the verification is passed when executed, the offline payment credential is determined to be legal.

Preferably, when the first verification module includes the first merchant verification unit, and the second verification module includes the second merchant verification unit, and if the same merchant identification information is registered by the receiving end on the service end corresponding to the first payment method and the second payment method, the apparatus further includes:

the device also comprises a first storage unit, wherein the first storage unit is used for storing the same merchant identification information in advance, the calling module is also used for acquiring the same merchant identification information from the first storage unit, the same merchant identification information is transmitted to the first merchant verification unit when the verification module is called, so that the first merchant verification unit acquires the same merchant identification information as that of the receiving end, and the second merchant verification unit transmits the same merchant identification information to the second merchant verification unit when the verification module is called, so that the second merchant verification unit acquires the same merchant identification information as that of the receiving end; alternatively, the first and second electrodes may be,

the device also comprises a second storage unit, wherein the second storage unit is used for storing the same merchant identification information in advance, and the first merchant verification unit and the second merchant verification unit acquire the same merchant identification information from the second storage unit as the merchant identification information of the receiving end.

Preferably, when the first verification module includes the first merchant verification unit, and the second verification module includes the second merchant verification unit, and if the receiving end registers different merchant identification information on the service end corresponding to the first payment method and the second payment method, where the merchant identification information registered by the receiving end on the service end corresponding to the first payment method is the first merchant identification information, and the merchant identification information registered by the receiving end on the service end corresponding to the second payment method is the second merchant identification information, the apparatus further includes:

the device further comprises a third storage unit, the third storage unit is used for pre-storing the corresponding relation between the payment mode and the merchant identification information, the calling module is further used for acquiring the corresponding merchant identification information as the merchant identification information of the receiving end in the third storage unit according to the payment mode through the corresponding relation, specifically, when the payment mode is the first payment mode, the acquired merchant identification information is the first merchant identification information, and when the calling verification module is the first merchant identification information, the merchant identification information is transmitted to the first merchant verification unit, so that the first merchant verification unit acquires the first merchant identification information as the merchant identification information of the receiving end, when the payment mode is the second payment mode, the acquired merchant identification information is the second merchant identification information, and when the calling verification module is the second payment mode, transmitting the second merchant identification information to a second merchant verification unit so that the second merchant verification unit obtains the second merchant identification information as the merchant identification information of the receiving end; alternatively, the first and second electrodes may be,

the device further comprises a fourth storage unit and a fifth storage unit, wherein the fourth storage unit is used for storing the first merchant identification information, the fifth storage unit is used for storing the second merchant identification information, the first merchant verification unit acquires the first merchant identification information from the fourth storage unit as the merchant identification information of the receiving end, and the second merchant verification unit acquires the second merchant identification information from the fifth storage unit as the merchant identification information of the receiving end.

Preferably, when the first verification module implements the first merchant verification unit and the second verification module implements the second merchant verification unit, the apparatus further includes:

and the merchant returning module is used for acquiring preset merchant identification information and returning the preset merchant identification information to the payment terminal, so that the payment terminal comprises the preset merchant identification information in the generated offline payment certificate.

Preferably, the apparatus further comprises:

and the sending module is used for sending the offline payment certificate to a server corresponding to the payment mode so that the corresponding server transfers the digital assets according to the offline payment certificate.

In a third aspect, a sink device includes a processor and a memory, where the processor is configured to execute a program stored in the memory, and the program executes to perform the method according to the first aspect.

A storage medium having stored therein a program for implementing the method of the first aspect.

In summary, the technical solution provided by the present invention is applied in a dual offline scenario, and an offline payment credential of a payment end is obtained through local communication, where the offline payment credential includes corresponding digital assets and verification information; determining a payment mode corresponding to the off-line payment voucher; calling a verification mode corresponding to the payment mode to verify the offline payment certificate; and after verifying that the offline payment certificate is legal, determining that the payment of the payment terminal is successful. The technical effect who brings can integrate multiple two off-line payment methods on the receiving terminal for the receiving terminal can judge automatically and transfer the verification method that this off-line payment voucher corresponds in order to carry out off-line payment verification after receiving the off-line payment voucher under the scene that payment end and receiving terminal can not carry out real-time communication with the digital asset server, has simplified the operation of receiving terminal, has improved the use experience and the availability factor of receiving terminal.

[ description of the drawings ]

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.

FIG. 1 is a schematic block diagram of an implementation environment in accordance with the present invention;

FIG. 2 is a flowchart of a first embodiment of an aggregate payment method for use in a dual offline scenario;

FIG. 3 is a flowchart of a second embodiment of an aggregate payment method for use in a dual offline scenario;

FIG. 4 is a schematic structural diagram of a first embodiment of an aggregation payment device for use in a dual offline scenario;

FIG. 5 is a schematic structural diagram of a second embodiment of an aggregation payment device for use in a dual offline scenario;

FIG. 6 is a schematic structural diagram of a third embodiment of an aggregation payment device for use in a dual offline scenario;

FIG. 7 is a schematic structural diagram of a fourth embodiment of an aggregation payment device used in a dual offline scenario;

FIG. 8 is a schematic structural diagram of a fifth embodiment of an aggregation payment device for use in a dual offline scenario;

FIG. 9 is a schematic structural diagram of a sixth embodiment of an aggregation payment device for use in a dual offline scenario;

FIG. 10 is a schematic structural diagram of a seventh embodiment of an aggregation payment device for use in a dual offline scenario;

fig. 11 is a schematic structural diagram of an embodiment eight of the aggregation payment device for use in a dual offline scenario.

The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.

[ detailed description ] embodiments

In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

Description of an embodiment

Referring to fig. 1, a schematic diagram of an implementation environment according to the present invention is shown, in which:

the receiving end is a receiving end of the digital asset, and is configured to receive offline payment of the payment end, and is configured to aggregate multiple dual offline payment methods, such as a dual offline payment method that aggregates payment treasures, WeChat payment, digital money in the Central department, various bank payment services, and the like, and may also be understood as a receiving end that is configured to support multiple payment methods or payment channels that can be used in a dual offline scenario. The receiving end may be a software program, or may be a device implemented by a combination of software and hardware, for example, a device such as a smart phone, a point-of-sale (POS) terminal, a scanning gun, a code reader, a PC (personal computer), a server, or a terminal device such as a smart television, a tablet computer, a notebook computer, a smart watch, a smart bracelet, or other devices with a communication function.

For multiple double off-line payment methods aggregated by a receiving end, each payment method has a corresponding service end and payment end, for example, a service end and payment end (or called client) where a payment treasure has a payment treasure, a service end and payment end (or called client) where a wechat payment has a wechat payment, a service end and payment end where a digital currency in a central bank has a digital currency in a central bank, and the like. As shown in fig. 1, in an example, a payment end connected to a receiving end includes a first payment end and a second payment end, and a server connected to the receiving end includes a first server and a second server, where the first payment end and the first server are a payment end and a server corresponding to a first payment mode, and the second payment end and the second server are a payment end and a server corresponding to a second payment mode, it can be understood that, in an actual implementation process, the receiving end may further aggregate more payment modes such as a third payment mode, a fourth payment mode, a fifth payment mode, and correspondingly, each payment mode has a corresponding server and a payment end.

Information transfer between a payment end (for example, a payment end one or a payment end two shown in fig. 1) and a receiving end is realized through local communication, where the local communication is relative to a communication mode with a digital asset service end (for example, a service end one or a service end two shown in fig. 1), that is, mutual information transfer between the payment end and the receiving end is realized without passing through the digital asset service end, and the method may include, for example, a local area network or near field communication, where the near field communication includes, but is not limited to, a communication mode through bluetooth, infrared ray, NFC, WIFI, sound wave, BLE (bluetooth low energy), or graphic code. For example, in an environment where the payment end and the receiving end cannot communicate with the internet in real time, a local area network is established in the environment, the payment end and the receiving end are accessed to the local area network, and the payment end and the receiving end communicate with each other through the local area network; for another example, the payment end and the receiving end establish a bluetooth channel through bluetooth pairing to realize near field communication; for another example, the payment end and the receiving end are induced by an NFC antenna to realize near field communication; for example, one of the payment end or the receiving end encodes the information to be transmitted to generate a graphic code, and the other end scans and analyzes the graphic code to obtain the information to be transmitted, so that the short-distance communication between the payment end and the receiving end is realized through the graphic code, which can be a two-dimensional code or a bar code, or other graphics capable of obtaining the information thereof through scanning and decoding.

Information transmission between a receiving end and a server (for example, a server one or a server two as shown in fig. 1) may be performed by establishing a network connection between the receiving end and the server to implement direct information transmission, where the network may be the internet or a dedicated network; or the receiving end can realize indirect information transmission with the server end through the transit equipment.

It should be noted that the implementation environment configuration shown in fig. 1 is not limited to the implementation environment, and may include more or less components than those shown, or some components may be combined, or a different arrangement of components may be used, as will be appreciated by those skilled in the art. The implementation environment configuration shown in fig. 1 is only for enhancing understanding of the present technology and thus may include prior art information that does not constitute a known art to those of ordinary skill in the art.

Second, embodiment one of aggregation payment method used in double offline scenes

Referring to fig. 2, a flowchart of a first embodiment of an aggregate payment method for a dual offline scenario according to the present invention is shown. This embodiment is exemplified by applying the method to the receiving end in the implementation environment shown in fig. 1, where the method may include:

and step 201, obtaining an offline payment certificate of a payment terminal through local communication, wherein the offline payment certificate comprises corresponding digital assets and verification information.

And 202, determining a payment mode corresponding to the offline payment voucher.

And step 203, calling a verification mode corresponding to the payment mode to verify the off-line payment voucher according to the verification information.

And 204, after the offline payment certificate is verified to be legal, determining that the payment of the payment terminal is successful.

Therefore, the implementation process can be known, the embodiment of the invention can integrate multiple double off-line payment modes on the receiving end, so that the receiving end can automatically judge and call the verification mode corresponding to the off-line payment certificate to carry out off-line payment verification in a double off-line scene after receiving the off-line payment certificate, namely in a scene that the payment end and the receiving end can not carry out real-time communication with the digital asset service end, and the receiving end does not need to respectively receive and verify the off-line payment certificate of the corresponding payment mode, thereby simplifying the operation mode of the receiving end and improving the use experience and the use efficiency of the receiving end.

Third, an embodiment of an aggregate payment method for use in a dual offline scenario

Please refer to fig. 3, which shows a flowchart of a second embodiment of the aggregate payment method for a dual offline scenario according to the present invention. The embodiment is exemplified by applying the method to the implementation environment shown in fig. 1, where an implementation process applied to a receiving end is an implementation process formed by combining the first embodiment of the aggregation payment method for the dual offline scenario, and the method may include:

step 301, the payment terminal generates an offline payment certificate, wherein the offline payment certificate comprises corresponding digital assets and verification information.

The payment terminal generates an offline payment credential, which includes a corresponding digital asset and authentication information. It can be understood that the payment end may be the first payment end or the second payment end as shown in fig. 1, and for convenience of description, only one of the payment ends is taken as an example for description in this embodiment.

And after the payment end determines the payment amount to be paid to the receiving end, the payment end comprises the corresponding digital assets in the generated offline payment voucher according to the payment amount. For example, the digital asset in the embodiment of the present invention may be a balance-type digital asset, and if the payment end determines that the payment amount to be paid to the receiving end is 20, which is equivalent to that the payment end pays to the corresponding digital asset of the receiving end is 20, the payment end includes 20 in the generated offline payment credential; for another example, the digital asset in the embodiment of the present invention may also be a digital asset in the form of a character string, taking digital currency as an example, each different encrypted character string represents corresponding digital currency, and assuming that the payment end determines that the payment amount to be paid to the receiving end is 20, the payment end selects an encrypted character string with a face value of 20 as the corresponding digital asset from the digital assets currently available at the payment end, or selects a plurality of encrypted character strings with a face value sum of 20 as the corresponding digital asset, and includes the selected encrypted character string or strings in an offline payment credential generated by the payment end.

The verification information included in the offline payment credential refers to information for verifying the validity of the offline payment credential, for example, the verification information may include merchant identification information, a signature value, and the like, so that the receiving end verifies the validity of the offline payment credential according to the verification information.

Specifically, the verification information includes merchant identification information, which is mainly used for a receiving account when the server determines the transfer of the digital asset, and may be a terminal device identifier, a chip card identifier, a mobile phone number, an account number, a digital certificate, a public key, an address generated based on the public key, or other information that can be used for uniquely determining the receiving account at the server. For multiple double offline payment modes aggregated by the receiving end, the merchant identification information registered by the receiving end on the server corresponding to each payment mode may be the same, for example, the receiving end registers account numbers on the servers corresponding to each payment mode by using a mobile phone number, that is, the mobile phone number is the merchant identification information of the receiving end on the server corresponding to each payment mode, that is, the merchant identification information registered by the receiving end on the server corresponding to each payment mode is the same; for example, the registered account number of the receiving end on the first service end is "UserA", the registered account number of the second service end is "UserB", that is, the merchant identification information of the receiving end on the first service end and the second service end is "UserA" and "UserB", respectively.

The payment end may obtain the merchant identification information of the receiving end in various ways, and specifically may include:

for example, the merchant identification information may be input by a user, such as triggering and displaying an operation interface at the payment end, and the user at the payment end inputs the merchant identification information on the operation interface at the payment end.

For another example, the generated graphic code includes merchant identification information, and the payment end obtains the merchant identification information by scanning and analyzing the graphic code.

For example, the receiving end obtains the preset merchant identification information and returns the preset merchant identification information to the payment end, so that the payment end includes the preset merchant identification information in the generated offline payment credential, for example, the payment end sends a payment request to the receiving end through local communication, and when the receiving end receives the payment request, the receiving end obtains the merchant identification information preset at the receiving end and returns the preset merchant identification information to the payment end, so that the payment end includes the preset merchant identification information in the generated offline payment credential. The acquiring, by the receiving end, the preset merchant identification information may include:

in the first obtaining mode, if the merchant identification information registered by the receiving end on the server corresponding to each payment mode is the same, that is, the same merchant identification information is registered by the receiving end on the server corresponding to each payment mode, and the same merchant identification information is preset by the receiving end, the receiving end obtains the preset merchant identification information. For example, the merchant identification information is information that the receiving end uses to determine the receiving account on the first service end, or information that the receiving end uses to determine the receiving account on the second service end, and then the receiving end obtains the merchant identification information and returns the merchant identification information to the payment end. Further, the receiving end may further provide support for a plurality of merchants, specifically, the receiving end may pre-establish a mapping character string and a corresponding relationship between the mapping character string and merchant identification information, and the payment request further includes the mapping character string, and the receiving end obtains corresponding merchant identification information according to the mapping character string through the corresponding relationship, for example, the receiving end pre-establishes a corresponding relationship between the mapping character string one and the merchant identification information "User 1", and establishes a corresponding relationship between the mapping character string two and the merchant identification information "User 2", where the merchant identification information "User 1" is the same merchant identification information registered by the first merchant on the service end corresponding to each payment method, the merchant identification information "User 2" is the same merchant identification information registered by the second merchant on the service end corresponding to each payment method, when the mapping character string obtained from the payment request by the receiving end is one, the merchant identification information obtained by the receiving end through the corresponding relationship is merchant identification information "User 1", and when the mapping character string obtained by the receiving end from the payment request is mapping character string two, the merchant identification information obtained by the receiving end through the corresponding relationship is merchant identification information "User 2".

And in the second acquisition mode, if the merchant identification information registered by the receiving end on the service end corresponding to each payment mode is different, and the receiving end is pre-established with the corresponding relationship between the payment identification information and the merchant identification information, acquiring the payment identification information according to the payment request, and acquiring the corresponding merchant identification information according to the payment identification information through the corresponding relationship. For example, the receiving end establishes a corresponding relationship between payment identification information "Pay 1" and merchant identification information "UserA", and establishes a corresponding relationship between payment identification information "Pay 2" and merchant identification information "UserB", wherein the payment identification information "Pay 1" is payment identification information of a first payment mode, the payment identification information "Pay 2" is payment identification information of a second payment mode, the merchant identification information "UserA" is merchant identification information registered by the receiving end on a first service end, the merchant identification information "UserB" is merchant identification information registered by the receiving end on a second service end, when the payment identification information acquired by the receiving end from the payment request is "Pay 1", the corresponding merchant identification information acquired by the receiving end through the corresponding relationship according to the payment identification information "Pay 1" is "UserA", and when the payment identification information acquired by the receiving end from the payment request is "Pay 2", the receiving end obtains the corresponding merchant identification information "UserB" through the corresponding relationship according to the payment identification information "Pay 2". Further, the receiving end may further provide support for a plurality of merchants, specifically, the receiving end pre-establishes a corresponding relationship between the payment identification information, the mapping character string and the merchant identification information, and further includes the mapping character string in the payment request, and the receiving end obtains the corresponding merchant identification information according to the payment identification information and the mapping character string through the corresponding relationship, for example, the receiving end pre-establishes a corresponding relationship between the mapping character string one, the payment identification information "Pay 1" and the merchant identification information "User 1A", and establishes a corresponding relationship between the mapping character string one, the payment identification information "Pay 2" and the merchant identification information "User 1B", where the merchant identification information "User 1A" is merchant identification information registered by the merchant one on the service end one, the merchant identification information "User 1B" is merchant identification information registered by the merchant one on the service end two, when the receiving end obtains the mapping character one and the payment identification information "Pay 1" from the payment request, the corresponding merchant identification information obtained by the receiving end through the corresponding relationship according to the mapping character string I and the payment identification information Pay1 is ' User1A ', and when the receiving end obtains the mapping character string I and the payment identification information Pay2 ' from the payment request, the corresponding merchant identification information obtained by the receiving end through the corresponding relationship according to the mapping character string I and the payment identification information Pay2 is ' User1B '; thus, the receiving end may also pre-establish a corresponding relationship between the mapping character string two, the payment identification information "Pay 1" and the merchant identification information "User 2A" for the merchant two, and establish a corresponding relationship between the mapping character string two, the payment identification information "Pay 2" and the merchant identification information "User 2B", where the merchant identification information "User 2A" is merchant identification information registered by the merchant two on the service end one, the merchant identification information "User 2B" is merchant identification information registered by the merchant two on the service end two, and so on, and thus, description is omitted here.

Specifically, in order to prevent the offline payment credential from being tampered, the payment end may further perform digital signature on key information in the offline payment credential to generate a signature value, that is, the verification information may further include the signature value, that is, the payment end performs digital signature on information to be signed to generate a signature value, where the information to be signed includes corresponding digital assets in the offline payment credential, and further, the information to be signed may further include merchant identification information and other information.

It is understood that a digital signature refers to data appended to a data unit or a cryptographic transformation performed on a data unit that allows an authenticator (e.g., a receiving end or a server) of the data unit to verify the source and integrity of the data unit and to protect the data unit from being forged or repudiated.

In one implementation of digital signature, the signature value is generated by digitally signing with an asymmetric encryption algorithm, for example, the payment end performs hash calculation on the information to be signed with a hash algorithm to obtain a hash value (i.e., an information digest), and the payment end encrypts the hash value with a private key of the payment end to obtain an encryption result (i.e., a signature value).

In the practical implementation process, there are many ways to trigger the payment end to generate the offline payment credential, for example, a local area network is established in an environment where a traveling airplane and the like cannot communicate with the internet in real time, the receiving end is a server for receiving offline payment in the local area network, the application server is a server for providing application services (such as shopping and viewing) in the local area network, the payment end is a mobile terminal of a passenger, the payment end triggers to purchase a corresponding service when accessing the application server, the application server obtains merchant identification information of the receiving end from the receiving end, or the application server obtains merchant identification information preset on the application server, a call instruction returned to the payment end by the application server includes the merchant identification information and a payment amount required for purchasing the corresponding service, the payment end generates the offline payment credential according to the call instruction, the offline payment certificate includes the merchant identification information and the payment amount (i.e., the corresponding digital asset); for another example, when the payment end triggers to purchase a corresponding service when accessing the application server, the application server returns a redirection instruction to the payment end, the redirection instruction includes a payment amount required for purchasing the corresponding service, and redirects the payment end to the receiving end, which returns merchant identification information to the payment end, and the payment end generates an offline payment certificate accordingly, where the offline payment certificate includes the merchant identification information and the payment amount (i.e., corresponding digital assets); for another example, the receiving end generates a graphic code including merchant identification information, the payment end acquires the merchant identification information by scanning and analyzing the graphic code, and triggers and displays an operation interface at the payment end, a user of the payment end inputs a payment amount on the operation interface of the payment end, the payment end selects an encrypted character string with a face value as the payment amount according to the payment amount and generates an offline payment certificate, and the offline payment certificate includes the merchant identification information and the selected encrypted character string (namely, corresponding digital assets); also for example, the receiving end transmits the payment amount to the payment end through NFC, and the payment end generates an offline payment credential including the payment amount (i.e., the corresponding digital asset). In addition, the payment terminal may be triggered to generate the offline payment credential in other manners, which is not limited in this embodiment of the present invention.

And step 302, the payment terminal transmits the offline payment certificate to the receiving terminal through local communication.

The payment end transmits the offline payment credential to the receiving end through local communication, as described in the description of the implementation environment, the payment end may transmit the offline payment credential to the receiving end through a local area network, or may transmit the offline payment credential to the receiving end through near field communication methods such as bluetooth, infrared ray, NFC, WIFI, acoustic wave, BLE (low power consumption bluetooth), or graphic code.

It should be noted that, since the local communication may include multiple communication modes, even if the merchant identification information acquired by the payment end in step 301 is acquired by the payment end to the receiving end through the local communication mode, the local communication mode used in this step is not necessarily the same as the local communication mode in step 301. For example, in step 301, the payment end obtains the merchant identification information by scanning and parsing the graphic code, and in this step, the payment end may transmit the offline payment credential to the receiving end by using the graphic code, or may transmit the offline payment credential to the receiving end by using another communication method such as a local area network and NFC.

Correspondingly, the receiving end receives and acquires the offline payment certificate transmitted by the payment end through local communication.

And 303, the receiving end determines the payment mode corresponding to the offline payment voucher.

The receiving end determines the payment method corresponding to the offline payment credential, which may also be understood as determining the payment method type to which the offline payment credential belongs, that is, determining which payment method the offline payment credential belongs to. It can also be understood that the payment method corresponding to the offline payment credential generated by the payment terminal of each payment method belongs to the payment method, for example, the payment method corresponding to the offline payment credential generated by the first payment terminal is the first payment method, and the payment method corresponding to the offline payment credential generated by the second payment terminal is the second payment method.

Specifically, the determining, by the receiving end, the payment method corresponding to the offline payment credential may include multiple embodiments:

in the first embodiment, the payment identification information corresponding to the offline payment credential is obtained, and the payment identification information is used for identifying a corresponding payment mode.

The payment identification information refers to identification information that can be used to identify a payment means, and for example, for a payment means one and a payment means two, the payment means one and the payment means two can be identified by the payment identification information "Pay 1" and "Pay 2", respectively.

The obtaining, by the receiving end, the payment identification information corresponding to the offline payment credential may specifically include:

for example, the offline payment credential includes payment identification information of a payment terminal, and the payment identification information is obtained from the offline payment credential. Specifically, the payment terminal includes the payment identification information of the payment terminal in the generated offline payment credential, and the receiving terminal obtains the payment identification information from the offline payment credential, where the payment identification information identifies the payment mode corresponding to the offline payment credential. For example, if the payment identification information included in the generated offline payment credential by the first payment terminal is "Pay 1", and the payment identification information included in the generated offline payment credential by the second payment terminal is "Pay 2", if the payment identification information acquired by the receiving terminal from the offline payment credential is "Pay 1", it indicates that the offline payment credential belongs to the first payment method, and if the payment identification information acquired by the receiving terminal from the offline payment credential is "Pay 2", it indicates that the offline payment credential belongs to the second payment method.

For another example, when the payment terminal sends the offline payment credential through the lan, the payment terminal also carries the client identification information of the payment terminal, and the receiving terminal obtains the payment identification information according to the client identification information, for example, the user agent is a kind of client identification information carried in a client such as a browser, and can identify an operating system and version used by the client, a CPU type, a browser and version, a browser language, a browser plug-in, and the like, taking a payment bank as an example, the client identification information (user agent) carried by the payment bank client includes "AlipayClient", and taking a WeChat payment as an example, the client identification information (user agent) carried by the WeChat client includes "MicroMessenger", so if the receiving terminal obtains "AlipayClient" from the client identification information carried by the payment terminal when sending the offline payment credential, it indicates that the offline payment credential is an offline payment credential in an offline payment manner, if the receiving end obtains 'MicroMessenger' from the client identification information carried when the payment end sends the offline payment voucher, the receiving end indicates that the offline payment voucher is an offline payment voucher belonging to a WeChat payment mode.

Thus, it can also be understood that, in the above-mentioned second obtaining manner in step 301, the receiving end obtains the payment identification information according to the payment request, where the payment identification information may be included in the payment request, and the receiving end obtains the payment identification information from the payment request, for example, if the payment identification information included in the payment request sent by the first payment end is the first payment identification information, and the payment identification information included in the payment request sent by the second payment end is the second payment identification information, if the payment request sent by the first payment end is the payment identification information, the payment identification information obtained from the payment request by the receiving end is the first payment identification information, and if the payment request sent by the second payment end is the second payment identification information, the payment identification information obtained from the payment request by the receiving end is the second payment identification information; or the payment end carries the client identification information in the payment request, and the receiving end acquires the payment identification information according to the carried client identification information.

For example, the payment identification information obtained according to the session state of the receiving end and the payment end is the payment identification information, specifically, the receiving end and the payment end maintain a session state, the session state is associated with the payment identification information, and when the receiving end receives the offline payment credential, the receiving end obtains the associated payment identification information according to the session state. For example, taking the second obtaining manner in step 301 as an example, after the payment end sends the payment request to the receiving end through local communication, and after the receiving end obtains the payment identification information according to the payment request, the receiving end maintains a session state with the payment end and associates the session state with the payment identification information, when receiving the offline payment credential sent by the payment end, the receiving end may obtain the associated payment identification information according to the session state, that is, obtain the payment identification information according to the session state.

And in the second embodiment, the format of the offline payment voucher is identified according to a preset data format rule, so that the payment mode corresponding to the offline payment voucher is determined.

Specifically, the offline payment credential of each payment method has a specific data format rule in terms of data length, or/and character type contained therein, or/and specific identifier contained therein, and the like, and the receiving end may identify the format of the offline payment credential according to a preset data format rule, for example, identify the data length, or/and character type contained therein, or/and specific identifier contained therein, and thereby determine the payment method corresponding to the offline payment credential.

And 304, the receiving end calls a verification mode corresponding to the payment mode to verify the off-line payment voucher according to the verification information.

After the receiving end determines the payment method corresponding to the offline payment credential in step 303, the receiving end invokes a verification method corresponding to the payment method to verify the offline payment credential according to the verification information, it can be understood that the verification method in this embodiment refers to a verification method for performing offline verification on the offline payment credential, and since there is a corresponding difference in the offline payment credentials generated by each payment method, each payment method has a verification method corresponding to each payment method, in this step, the receiving end invokes a verification method corresponding to the payment method to verify the offline payment credential. For example, if the payment method determined in step 303 is the first payment method, a first verification method is invoked to verify the offline payment credential, where the first verification method is a verification method corresponding to the first payment method, and if the payment method determined in step 303 is the second payment method, a second verification method is invoked to verify the offline payment credential, where the second verification method is a verification method corresponding to the second payment method; taking payment of the payment bank and the wechat payment as examples, if the payment identification information acquired in step 303 is 'AlipayClient', a verification mode of the payment bank is invoked to verify the offline payment voucher, and if the payment identification information acquired in step 303 is 'MicroMessenger', a verification mode of the wechat payment is invoked to verify the offline payment voucher.

It can be understood that the receiving end may also invoke the verification SDK corresponding to the payment method to verify the offline payment credential according to the verification information. Specifically, each payment method issues an offline payment verification SDK (development kit) for its payment method, for example, a wechat payment issues a verification SDK for a wechat offline payment credential, and a payment treasures issues a verification SDK for a payment treasures offline payment credential, and then the multiple verification SDKs are integrated on the receiving end, and the corresponding verification SDK is called according to the payment method determined in step 303 to verify the offline payment credential.

Specifically, the verification method corresponding to each payment method may include a plurality of specific verification methods, which may include:

the verification method comprises the steps of obtaining merchant identification information of a receiving end, judging whether the merchant identification information of the receiving end is consistent with the merchant identification information, and if so, determining that the verification is passed.

Specifically, for the offline payment credential to be verified, the verification information in the offline payment credential includes merchant identification information, as described in step 301 above, the verification information includes merchant identification information, the receiving end acquires the included merchant identification information, which may also be understood as acquiring the merchant identification information included in the offline payment credential, the receiving end compares the merchant identification information of the receiving end with the included merchant identification information, if the two are consistent, it indicates that the offline payment credential belongs to the offline payment credential sent to the receiving end, but not the offline payment credential sent to other receiving ends, and it is determined that the verification passes; otherwise, the off-line payment voucher is not the off-line payment voucher sent to the receiving end, and the verification is determined not to pass.

It is understood that, in an actual implementation process, the merchant identification information of the receiving end may not be limited to one, and may also include a plurality of merchant identification information, so that the receiving end may compare the plurality of merchant identification information with the included merchant identification information, and if any one of the merchant identification information is consistent with the included merchant identification information, determine that the verification is passed. Further, the corresponding type of the merchant identification information may be determined, and the receiving end may further determine merchant identification information that is consistent with the type of the merchant identification information included in the plurality of merchant identification information, compare the merchant identification information with the merchant identification information, and the like.

The receiving end acquires the merchant identification information of the receiving end, and may include various embodiments:

for example, if the merchant identification information registered by the receiving end on the service end corresponding to each payment method is the same, the receiving end presets the same merchant identification information, and the receiving end acquires the preset merchant identification information as the merchant identification information of the receiving end. For a specific implementation manner, reference may also be made to the relevant description and examples of the first obtaining manner in step 301, which are not described herein again.

For another example, if the merchant identification information registered by the receiving end on the service end corresponding to each payment method is different, the receiving end pre-establishes a corresponding relationship between the payment method and the merchant identification information, and the receiving end obtains the corresponding merchant identification information as the merchant identification information of the receiving end according to the payment method through the corresponding relationship. For a specific implementation manner, reference may also be made to the relevant description and examples of the second obtaining manner in step 301, which are not described herein again.

For another example, if the merchant identification information registered by the receiving end on the service end corresponding to each payment method is different, the verification method corresponding to each payment method further sets the corresponding merchant identification information, so that the verification method corresponding to each payment method obtains the corresponding merchant identification information as the merchant identification information of the receiving end. For example, the merchant identification information "UserA" is the merchant identification information registered by the receiving end on the first service end, the merchant identification information "UserB" is the merchant identification information registered by the receiving end on the second service end, the first authentication mode sets the corresponding merchant identification information to "UserA", and the second authentication mode sets the corresponding merchant identification information to "UserB", so that when the receiving end invokes the first authentication mode for authentication, the obtained merchant identification information of the receiving end is "UserA", and when the receiving end invokes the second authentication mode for authentication, the obtained merchant identification information of the receiving end is "UserB".

For example, the receiving end and the payment end maintain a session state, the session state is associated with the merchant identification information, and when receiving the offline payment credential, the receiving end acquires the associated merchant identification information according to the session state. For example, taking the example that the payment end sends the payment request to the receiving end through local communication in step 301, when the receiving end returns the preset merchant identification information to the payment end, the receiving end maintains a session state with the payment end and associates the session state with the merchant identification information, so that when the receiving end receives the offline payment credential sent by the payment end, the receiving end can obtain the associated merchant identification information according to the session state, that is, obtain the merchant identification information according to the session state.

It can be understood that, if the receiving end acquires the preset merchant identification information in the above step 301 and returns the preset merchant identification information to the payment end, the acquired preset merchant identification information should be consistent with the merchant identification information of the receiving end acquired in this step, so that it can be determined that the merchant identification information of the receiving end is consistent with the included merchant identification information, and because of this, the implementation manner of acquiring the merchant identification information of the receiving end in the above example in this step is the same as or similar to the implementation manner (such as the first acquisition manner and the second acquisition manner) of acquiring the preset merchant identification information by the receiving end in step 301.

And performing digital signature verification on the off-line payment certificate according to the signature value by using a corresponding digital signature verification mode, wherein the verification information comprises a signature value, the signature value is generated by performing digital signature on information to be signed by the payment terminal, the information to be signed comprises the corresponding digital asset.

As described in step 301 above, the payment end may further perform digital signature on the information to be signed to generate a signature value, that is, the verification information includes the signature value, and the receiving end performs digital signature verification on the offline payment credential according to the signature value by using a corresponding digital signature verification manner.

Specifically, for the offline payment credential to be verified, the verification information in the offline payment credential includes the signature value, as described in step 301, the verification information includes the signature value, the receiving end generates the information to be verified, and the generation manner is the same as the generation manner of the information to be signed generated by the payment end, so that the generated information to be verified is the same as the information to be signed generated by the payment end. It can be understood that the generated information to be verified at least includes the corresponding digital asset, and if the information to be signed generated by the payment end further includes the merchant identification information or/and other information, the generated information to be verified also includes the merchant identification information or/and the same other information, so that the generated information to be verified is the same as the information to be signed generated by the payment end.

The receiving end obtains the public key of the payment end, the receiving end decrypts the signature value by using the public key to obtain a decryption result (namely an information abstract), the receiving end uses the same hash algorithm to perform hash calculation on the information to be verified to obtain a hash value (namely a verification value), whether the decryption result (namely the information abstract) is the same as the verification value or not is compared, if yes, the digital signature is determined to pass the verification, and if not, the verification is determined not to pass.

The receiving end may obtain the public key of the payment end in various ways, for example, when the payment end performs digital signature on the information to be signed Based on a private key generated by an IBC (Identity-Based Cryptograph) and uses the payment end identification information as the public key of the payment end, and when the offline payment credential includes the payment end identification information, the receiving end obtains the payment end identification information as the public key of the payment end; for another example, when the payment end digitally signs the information to be signed based on a private Key generated by a pki (public Key infrastructure) system, the payment end may further transmit the digital certificate of the payment end when transmitting the offline payment credential to the receiving end, so that the receiving end obtains the public Key of the payment end from the digital certificate, and it can be understood that, in the actual application process, a preset root certificate should be used to verify whether the digital certificate of the payment end is legal or not.

It should be noted that, since each payment method may have a difference in the verification method of the digital signature, such as encryption algorithms related to digital signature verification, generation manners of information to be verified, public keys, root certificates, public parameters and the like may be different, therefore, in the second verification method, a corresponding digital signature verification method is used to perform digital signature verification on the off-line payment certificate according to the signature value, that is, the digital signature verification method corresponding to the payment method is called to perform verification, the encryption algorithm related to the digital signature verification, or/and the generation mode of the information to be verified, or/and the public key, or/and the root certificate, or/and the public parameter and the like included in the digital signature verification mode are all corresponding to the payment mode, so that the digital signature verification can be carried out on the off-line payment certificate.

It can be understood that, for the verification method corresponding to each payment method, it is determined that the offline payment credential is legal only if the verification method implemented determines that the verification is passed, otherwise, if any verification method is that the verification is not passed, it is determined that the offline payment credential is illegal. It can be understood that, when the verification mode corresponding to a certain payment mode only implements the verification mode one or the verification mode two, if the verification mode one or the verification mode two determines that the verification is passed, it is determined that the offline payment credential is legal, otherwise, if the verification mode one or the verification mode two does not pass, it is determined that the offline payment credential is illegal. It can also be understood that when the verification mode corresponding to a certain payment mode implements the first verification mode and the second verification mode at the same time, the offline payment credential is determined to be legal only if both the first verification mode and the second verification mode determine that the verification is passed, otherwise, if the first verification mode or the second verification mode is that the verification is not passed, the offline payment credential is determined to be illegal.

And 305, after verifying that the offline payment certificate is legal, determining that the payment is successful at the payment terminal.

After the receiving end verifies that the offline payment voucher is legal, the receiving end determines that the payment of the payment end is successful, and can also understand that the payment is approved. Taking a traveling airplane as an example, after determining that the payment terminal is successful, the crew member may provide corresponding goods or services for the passenger who has successfully paid; for another example, when the payment end accesses the application server, the payment end triggers purchase of a corresponding service, and sends the offline payment credential to the receiving end, after the receiving end determines that payment of the payment end is successful, the receiving end feeds back information indicating that payment is successful to the application server, and then the application server determines that purchase of the payment end is successful, and provides the corresponding service to the payment end.

Optionally, the receiving end sends the offline payment credential to the server corresponding to the payment method, so that the corresponding server transfers the digital asset according to the offline payment credential.

The receiving end sends the offline payment credential to the server corresponding to the payment method, for example, if the payment method determined in step 303 is the first payment method, the offline payment credential is sent to the server corresponding to the first payment method (i.e., the first server), and if the payment method determined in step 303 is the second payment method, the offline payment credential is sent to the server corresponding to the second payment method (i.e., the second server); for another example, taking the payment for the treasures and the wechat payment as an example, if the payment identification information obtained in step 303 is "AlipayClient", the offline payment voucher is sent to the server of the treasures, and if the payment identification information obtained in step 303 is "MicroMessenger", the offline payment voucher is sent to the server of the wechat payment.

The receiving end sends the offline payment voucher to the service end corresponding to the payment mode, namely, the receiving end establishes network connection with the service end, and directly sends the offline payment voucher to the corresponding service end, for example, after an airplane lands, the receiving end accesses a mobile internet and establishes network connection with the corresponding service end, and the receiving end sends the offline payment voucher to the corresponding service end; the receiving end may also send the offline payment credential to the corresponding server indirectly, that is, the receiving end sends the offline payment credential to the corresponding server through a transfer device (e.g., a collection device such as a collection server), for example, a collection device is deployed on an airplane, the receiving end synchronizes the offline payment credential to the collection device, after the airplane lands on the ground, the collection device establishes a network connection with the corresponding server, and the collection device sends the offline payment credential to the corresponding server; for another example, after the airplane lands on the ground, the receiving end accesses the mobile internet and establishes network connection with a collection server of the airline company, synchronizes the offline payment certificate to the collection server, and the collection server sends the offline payment certificate to the corresponding service end through the network.

After the receiving end sends the offline payment voucher to the server corresponding to the payment mode, the corresponding server can transfer the digital assets according to the offline payment voucher. For example, the corresponding server obtains the identification information of the offline payment credential sender (such as a receiving end or a transfer device), and transfers the corresponding digital assets to the account where the identification information is located; for another example, if merchant identification information is included in the offline payment credentials, the corresponding digital asset may be transferred to an account in which the merchant identification information is located.

In the implementation process, the receiving end acquires the offline payment certificate of the payment end through local communication, determines the payment mode corresponding to the offline payment certificate, calls the verification mode corresponding to the payment mode to verify the offline payment certificate, and determines that the payment of the payment end is successful after the offline payment certificate is verified to be legal. Therefore, the implementation process can be known, the embodiment of the invention can integrate multiple double off-line payment modes on the receiving end, so that the receiving end can automatically judge and call the verification mode corresponding to the off-line payment certificate to carry out off-line payment verification in a double off-line scene after receiving the off-line payment certificate, namely in a scene that the payment end and the receiving end can not carry out real-time communication with the digital asset service end, and the receiving end does not need to respectively receive and verify the off-line payment certificate of the corresponding payment mode, thereby simplifying the operation mode of the receiving end and improving the use experience and the use efficiency of the receiving end.

Fourth, an aggregate payment device used in a dual offline scenario in the first embodiment and the second embodiment

Please refer to fig. 4, which illustrates a schematic structural diagram of a first embodiment of an aggregation payment apparatus for a dual offline scenario according to the present invention. For convenience of explanation, only portions related to the embodiments of the present invention are shown. The device comprises:

the system comprises an acquisition module, a verification module and a verification module, wherein the acquisition module is used for acquiring an offline payment certificate of a payment terminal through local communication, and the offline payment certificate comprises corresponding digital assets and verification information;

the identification module is used for determining a payment mode corresponding to the offline payment certificate;

the calling module is used for calling the verification module corresponding to the payment mode to verify the offline payment certificate according to the verification information, wherein the calling module calls the first verification module if the payment mode is the first payment mode, and calls the second verification module if the payment mode is the second payment mode;

the verification module I is used for verifying the offline payment certificate of which the payment mode is the payment mode I;

the verification module II is used for verifying the offline payment certificate of which the payment mode is the payment mode II;

and the acceptance module is used for determining that the payment of the payment terminal is successful after the offline payment voucher is verified to be legal.

Preferably, the identification module includes:

the acquisition and identification unit is used for acquiring payment identification information corresponding to the offline payment certificate, and the payment identification information is used for identifying a corresponding payment mode; alternatively, the first and second electrodes may be,

and the format identification unit is used for identifying the format of the offline payment voucher according to a preset data format rule so as to determine the payment mode corresponding to the offline payment voucher.

Preferably, the acquisition identification unit includes:

the acquisition and identification subunit one is used for acquiring the payment identification information from the offline payment certificate, wherein the offline payment certificate comprises the payment identification information of the payment terminal; alternatively, the first and second electrodes may be,

the second acquiring and identifying subunit is used for acquiring the payment identification information according to client identification information carried by the payment terminal when the off-line payment certificate is sent; alternatively, the first and second electrodes may be,

and the third acquiring and identifying subunit is used for acquiring associated payment identification information as the payment identification information according to the session state of the receiving end and the payment end.

Please refer to fig. 5, which illustrates a schematic structural diagram of an embodiment of a second aggregation payment apparatus for a dual offline scenario, which is provided by the apparatus of the first aggregation payment apparatus for a dual offline scenario, wherein the first verification module includes a first merchant verification unit and a first signature verification unit, and the second verification module includes a second merchant verification unit and a second signature verification unit, where:

the first merchant verification unit is used for acquiring the included merchant identification information and the merchant identification information of the receiving end if the verification information includes the merchant identification information, judging whether the merchant identification information of the receiving end is consistent with the included merchant identification information or not, and determining that the verification is passed if the merchant identification information of the receiving end is consistent with the included merchant identification information;

the first signature verification unit is configured to, if the verification information includes a signature value, where the signature value is a signature value generated by the payment terminal performing digital signature on information to be signed and the information to be signed includes the corresponding digital asset, perform digital signature verification on the offline payment credential according to the signature value, where a verification manner of the digital signature verification is a digital signature verification manner corresponding to the first payment manner;

the second merchant verification unit is used for acquiring the included merchant identification information and the merchant identification information of the receiving end if the verification information includes the merchant identification information, judging whether the merchant identification information of the receiving end is consistent with the included merchant identification information or not, and determining that the verification is passed if the merchant identification information of the receiving end is consistent with the included merchant identification information;

the second signature verification unit is configured to, if the verification information includes a signature value, where the signature value is a signature value generated by the payment terminal performing digital signature on information to be signed and the information to be signed includes the corresponding digital asset, perform digital signature verification on the offline payment credential according to the signature value, where a verification manner of the digital signature verification is a digital signature verification manner corresponding to the second payment manner;

and for the verification module I or the verification module II, only when the verification units are executed, the verification is determined to pass, the offline payment certificate is determined to be legal, otherwise, if any verification unit fails, the offline payment certificate is determined to be illegal.

It can be understood that, in an actual implementation process, the first verification module may be implemented by using the first merchant verification unit or/and the first signature verification unit, and the second verification module may be implemented by using the second merchant verification unit or/and the second signature verification unit, that is, the first verification module includes the first merchant verification unit or/and the first signature verification unit or/and the second verification module includes the second merchant verification unit or/and the second signature verification unit.

Fifth, a third embodiment and a fourth embodiment of the aggregation payment device used in the double off-line scene

For the device provided in the second embodiment of the aggregated payment device for use in a dual offline scenario, when the first verification module includes the first merchant verification unit and the second verification module includes the second merchant verification unit, and if the receiving end registers the same merchant identification information on the service end corresponding to the first payment method and the second payment method, the device may further include a first storage unit or a second storage unit.

Please refer to fig. 6, which shows a schematic structural diagram of a third embodiment of an aggregation payment apparatus for a dual offline scenario, where the apparatus further includes the first storage unit, where:

the first storage unit is used for storing the same merchant identification information in advance, the calling module is further used for obtaining the same merchant identification information from the first storage unit, the same merchant identification information is transmitted to the first merchant verification unit when the verification module is called, so that the first merchant verification unit obtains the same merchant identification information as the merchant identification information of the receiving end, and the same merchant identification information is transmitted to the second merchant verification unit when the verification module is called, so that the second merchant verification unit obtains the same merchant identification information as the merchant identification information of the receiving end.

Please refer to fig. 7, which illustrates a schematic structural diagram of a fourth embodiment of an aggregation payment apparatus for a dual offline scenario, where the apparatus further includes the second storage unit, where:

the second storage unit is used for storing the same merchant identification information in advance, and the first merchant verification unit and the second merchant verification unit obtain the same merchant identification information from the second storage unit as the merchant identification information of the receiving end.

Sixthly, fifth embodiment and sixth embodiment of the aggregation payment device used in double off-line scenes

For the device provided in the second embodiment of the aggregated payment device for use in a dual offline scenario, when the first verification module includes the first merchant verification unit, and the second verification module includes the second merchant verification unit, and if the merchant identification information registered by the receiving end on the service end corresponding to the first payment method and the second payment method is different, where the merchant identification information registered by the receiving end on the service end corresponding to the first payment method is the first merchant identification information, and the merchant identification information registered by the receiving end on the service end corresponding to the second payment method is the second merchant identification information, the device may further include a third storage unit, or the device may further include a fourth storage unit and a fifth storage unit.

Please refer to fig. 8, which illustrates a schematic structural diagram of a fifth embodiment of an aggregation payment apparatus for a dual offline scenario, where the apparatus further includes a third storage unit, where:

the storage unit is used for pre-storing the corresponding relation between the payment mode and the merchant identification information, and specifically comprises pre-storing the corresponding relation between the payment mode I and the merchant identification information I and pre-storing the corresponding relation between the payment mode II and the merchant identification information II;

the calling module is further configured to obtain, in the third storage unit according to the payment method and through the correspondence, corresponding merchant identification information as merchant identification information of the receiving end, and specifically includes, when the payment mode is the first payment mode, the obtained merchant identification information is the first merchant identification information, and transmitting the merchant identification information to the first merchant verification unit when the verification module is called, so that the first merchant verification unit obtains the first merchant identification information as the merchant identification information of the receiving end, when the payment mode is the second payment mode, the obtained merchant identification information is the second merchant identification information, and when the second verification module is called, the second merchant identification information is transmitted to the second merchant verification unit, and the second merchant verification unit acquires the second merchant identification information as the merchant identification information of the receiving end.

Please refer to fig. 9, which shows a schematic structural diagram of a sixth embodiment of an aggregation payment apparatus for a dual offline scenario, where the apparatus further includes the storage unit four and the storage unit five, where:

the fourth storage unit is used for storing the first merchant identification information, the fifth storage unit is used for storing the second merchant identification information, the first merchant verification unit obtains the first merchant identification information from the fourth storage unit as the merchant identification information of the receiving end, and the second merchant verification unit obtains the second merchant identification information from the fifth storage unit as the merchant identification information of the receiving end.

Seventhly, seventh embodiment of an aggregation payment device for use in a dual offline scenario

For the apparatus provided in the above-mentioned second embodiment of the aggregated payment apparatus for use in a dual offline scenario, when the first verification module includes the first merchant verification unit, and the second verification module includes the second merchant verification unit, the apparatus may further include a merchant return module.

Referring to fig. 10, a schematic structural diagram of a seventh embodiment of an aggregation payment apparatus for use in a dual offline scenario provided by the present invention is shown, where the apparatus further includes the merchant return module, where:

the merchant returning module is configured to obtain preset merchant identification information and return the preset merchant identification information to the payment terminal, so that the payment terminal includes the preset merchant identification information in the generated offline payment credential.

The seventh embodiment of the aggregation payment device for the dual offline scenario may further form an optional embodiment with any one of the third to sixth embodiments of the aggregation payment device for the dual offline scenario, that is, any one of the third to sixth embodiments of the aggregation payment device for the dual offline scenario further includes the merchant return module.

Eighthly, eighth embodiment of the aggregation payment device used in double offline scenes

Please refer to fig. 11, which illustrates a schematic structural diagram of an eighth embodiment of an aggregation payment apparatus for a dual offline scenario according to the present invention. The device is on the device provided by the first embodiment of the aggregation payment device used in the dual offline scenario, and further comprises the following modules:

and the sending module is used for sending the offline payment certificate to a server corresponding to the payment mode so that the corresponding server transfers the digital assets according to the offline payment certificate.

The eighth embodiment of the aggregation payment device for the dual offline scenario may further form an optional embodiment with any of the second to seventh embodiments of the aggregation payment device for the dual offline scenario, that is, any of the second to seventh embodiments of the aggregation payment device for the dual offline scenario further includes the sending module.

The apparatuses provided in the first to eighth embodiments of the aggregation payment apparatus for use in a dual offline scenario and the implementation process applied to the receiving end in the second embodiment of the aggregation payment method for use in a dual offline scenario belong to the same concept, and specific implementation principles and effects thereof can be seen in the method embodiment, and are not described herein again.

It should be noted that, in this document, the terms "comprises," "comprising," "includes," "passing," "sending," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system.

The terms "first," "second," "third," and the like (if any) are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be practiced otherwise than as specifically illustrated or described herein.

The numbers of the above embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

The method, apparatus and receiving end of the present invention can be implemented in many ways. For example, the method, apparatus and receiving end of the present invention may be implemented by software, hardware, firmware or any combination of software, hardware and firmware. The above-described order for the steps of the method is for illustrative purposes only, and the steps of the method of the present invention are not limited to the order specifically described above unless specifically indicated otherwise. Furthermore, in some embodiments, the present invention may also be embodied as a program recorded in a recording medium, the program including machine-readable instructions for implementing a method according to the present invention. Thus, the present invention also covers a recording medium storing a program for executing the method according to the present invention.

The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.