CN-122022791-A - Method and device for realizing double offline payment

Abstract

The implementation method of double offline payment is applied to a payment client and comprises the steps of starting an offline payment function and obtaining payment amount, generating an offline payment certificate carrying the payment amount and verification information, wherein the verification information comprises a digital signature of the payment client, a digital signature of a user and a public key of the user, providing the offline payment certificate for a collection device, and allowing the collection device to approve payment of the payment client after the collection device verifies that the offline payment certificate is legal through the verification information, wherein the collection device utilizes a locally stored public key of the payment client to verify the digital signature of the payment client in the offline payment certificate, and utilizes a public key of the user in the offline payment certificate to verify the digital signature of the user, and if any verification is failed.

Inventors

• TANG ZHIHUI
• LIU KAI
• MA CAN
• DONG WANHUA
• ZHANG XIUHUA
• FENG BEI
• YE SHEN
• ZHANG LUYI

Assignees

• 支付宝支付科技有限公司

Dates

Publication Date

20260512

Application Date

20191030

Claims (18)

1. 1. A method for implementing dual offline payment, applied to a payment client, the method comprising: starting an offline payment function and acquiring payment amount; generating an offline payment credential carrying a payment amount and verification information, wherein the verification information comprises a digital signature of the payment client, a digital signature of a user and a public key of the user; The method comprises the steps of providing the offline payment certificate to the collection device, and allowing the collection device to approve payment of the payment client after the offline payment certificate is validated through validation information, wherein the collection device utilizes a public key of the locally stored payment client to check a digital signature of the payment client in the offline payment certificate, and utilizes a public key of a user in the offline payment certificate to check the digital signature of the user, and if any check fails, the validation is failed.
2. 2. The method of claim 1, wherein the payment client has an offline payment total stored locally; The generation of the offline payment certificate carrying the payment amount and the verification information comprises the steps of generating the offline payment certificate carrying the payment amount and the verification information when the acquired payment amount is not larger than the locally stored offline payment total amount, and deducting the payment amount from the locally stored offline payment total amount.
3. 3. The method of claim 2, further comprising updating the locally stored offline payment sum to the offline payment sum issued by the payment server after receiving the offline payment sum issued by the payment server.
4. 4. The method of claim 1, wherein the authentication information further comprises user name and user certificate information for the payee to verify the payment user based on the user name and user certificate information in the passenger information.
5. 5. The method of claim 1, wherein generating the offline payment credential with the payment amount and the verification information comprises generating the offline payment credential with the payment amount and the verification information after the user using the payment client passes the local identity authentication.
6. 6. The method of claim 1, the initiating an offline payment function and obtaining a payment amount, comprising one of: Starting an offline payment function by scanning an offline order code provided by a payee, and acquiring payment amount from information of the offline order code; scanning an offline order code provided by the payee to initiate an offline payment function, receiving a payment amount entered by the user, or Starting an offline payment function according to the operation of a user, and receiving the payment amount input by the user; the providing of the offline payment credentials to the collection device includes generating offline payment codes according to the offline payment credentials and displaying the offline payment codes for scanning by the collection device.
7. 7. The method of claim 1, the initiating an offline payment function and obtaining a payment amount, comprising one of: receiving a call instruction to the payment client, starting an offline payment function according to the call instruction, and acquiring payment amount from the call instruction; receiving a call instruction to the payment client, starting an offline payment function according to the call instruction, receiving the payment amount input by the user, or Starting an offline payment function according to the operation of a user, and receiving the payment amount input by the user; The step of providing the offline payment certificate to the collection device comprises the step of sending the offline payment certificate to a local area network server of a collection party through a local area network, wherein the address of the local area network server of the collection party is preset in a payment client.
8. 8. A method for implementing dual offline payment, applied to a collection device, the method comprising: Acquiring an offline payment credential from a payment client of a user, wherein the offline payment credential carries payment amount and verification information, and the verification information comprises a digital signature of the payment client, a digital signature of the user and a public key of the user; verifying whether the offline payment certificate is legal or not by adopting the verification information; and approving the payment of the payment client after verifying that the offline payment certificate is legal, wherein the digital signature of the payment client in the offline payment certificate is checked by utilizing a locally stored public key of the payment client, the digital signature of the user is checked by utilizing a user public key in the offline payment certificate, and the verification fails if any check fails.
9. 9. The method of claim 8, wherein the authentication information includes a user's name and user credential information; The step of verifying whether the offline payment certificate is legal by using verification information comprises the step of checking the payment user according to the user name and the user certificate information in the passenger information.
10. 10. The method of claim 8, the checkout device being a handheld device; the obtaining the offline payment credential from the payment client of the user includes scanning an offline payment code displayed by the payment client of the user to obtain the offline payment credential.
11. 11. The method of claim 8, the payee device being a payee's local area network server; the obtaining the offline payment credential from the payment client of the user includes receiving the offline payment credential sent by the payment client of the user over a local area network.
12. 12. The method of claim 8, further comprising uploading the offline payment credential to a payment server for the payment server to collect the payment amount via the payment server.
13. 13. An implementation apparatus of dual offline payment, applied to a payment client, the apparatus comprising: The payment amount acquisition unit is used for starting an offline payment function and acquiring the payment amount; The payment certificate generation unit is used for generating an offline payment certificate carrying payment amount and verification information, wherein the verification information comprises a digital signature of the payment client, a digital signature of a user and a public key of the user; The payment certificate providing unit is used for providing the offline payment certificate for the payment device, and the payment device approves the payment of the payment client after verifying that the offline payment certificate is legal through the verification information, wherein the payment device utilizes a public key of the locally stored payment client to check the digital signature of the payment client in the offline payment certificate, and utilizes a public key of the user in the offline payment certificate to check the digital signature of the user, and if any check fails, the verification fails.
14. 14. An implementation apparatus of dual offline payment, applied to a collection device, the apparatus comprising: The system comprises a payment credential acquisition unit, a payment credential acquisition unit and a payment processing unit, wherein the payment credential acquisition unit is used for acquiring an offline payment credential from a payment client of a user, wherein the offline payment credential carries payment amount and verification information, and the verification information comprises a digital signature of the payment client, a digital signature of the user and a public key of the user; A payment certificate verification unit for verifying whether the offline payment certificate is legal or not by adopting the verification information; And the payment acceptance unit is used for approving the payment of the payment client after verifying that the offline payment certificate is legal, wherein the public key of the locally stored payment client is used for verifying the digital signature of the payment client in the offline payment certificate, the public key of the user in the offline payment certificate is used for verifying the digital signature of the user, and if any verification fails, the verification fails.
15. 15. A computer device comprising a memory and a processor, the memory having stored thereon a computer program executable by the processor, the processor executing the steps of any of claims 1 to 7 when the computer program is executed.
16. 16. A computer device comprising a memory and a processor, the memory having stored thereon a computer program executable by the processor, the processor executing the steps of any of claims 8 to 12 when the computer program is executed.
17. 17. A computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of any of claims 1 to 7.
18. 18. A computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of any of claims 8 to 12.

Description

Method and device for realizing double offline payment The application is a divisional application of Chinese patent application application based on the application number 201911042786.2 and the application date 2019, 10 month and 30 days, named as a method and a device for realizing double off-line payment. Technical Field One or more embodiments of the present disclosure relate to the field of network communications technologies, and in particular, to a method and apparatus for implementing dual offline payment. Background In network payment, it is often the case that at least one of the payer device and the payee device is capable of communicating with a payment server, making a request for payment or collection to the payment server, which makes a real-time transfer of money according to the received request. While dual offline payment refers to an application scenario in which neither the payer device nor the payee device can communicate with the payment server in real time when payment occurs, that is, both the payer device and the payee device are offline with respect to the payment server. Because the payment server does not participate in the double offline payment, the money cannot be transferred from the payer account to the payee account in real time, so that the double offline payment scene puts higher requirements on the payment safety, and the higher safety is achieved, so that the complicated payment process is often caused, and the payer and the payee are inconvenient. Disclosure of Invention In view of this, the present disclosure provides a method for implementing dual offline payment, applied to a payment client, the method comprising: starting an offline payment function and acquiring payment amount; generating an offline payment credential carrying a payment amount and verification information, wherein the verification information comprises a digital signature of the payment client, a digital signature of a user and a public key of the user; The method comprises the steps of providing the offline payment certificate to the collection device for the collection device to approve the payment of the payment client after the collection device verifies that the offline payment certificate is legal through verification information, wherein the collection device verifies the digital signature of the payment client in the offline payment certificate by utilizing a locally stored public key of the payment client, verifies the digital signature of a user by utilizing a user public key in the offline payment certificate, and fails to verify if any verification is failed The specification also provides a method for implementing double offline payment, which is applied to a collection device, and the method comprises the following steps: Acquiring an offline payment credential from a payment client of a user, wherein the offline payment credential carries payment amount and verification information, and the verification information comprises a digital signature of the payment client, a digital signature of the user and a public key of the user; verifying whether the offline payment certificate is legal or not by adopting the verification information; and approving the payment of the payment client after verifying that the offline payment certificate is legal, wherein the digital signature of the payment client in the offline payment certificate is checked by utilizing a locally stored public key of the payment client, the digital signature of the user is checked by utilizing a user public key in the offline payment certificate, and the verification fails if any check fails. The present disclosure also provides a device for implementing dual offline payment, applied to a payment client, the device comprising: The payment amount acquisition unit is used for starting an offline payment function and acquiring the payment amount; The payment certificate generation unit is used for generating an offline payment certificate carrying payment amount and verification information, wherein the verification information comprises a digital signature of the payment client, a digital signature of a user and a public key of the user; The payment certificate providing unit is used for providing the offline payment certificate for the payment device, and the payment device approves the payment of the payment client after verifying that the offline payment certificate is legal through the verification information, wherein the payment device utilizes a public key of the locally stored payment client to check the digital signature of the payment client in the offline payment certificate, and utilizes a public key of the user in the offline payment certificate to check the digital signature of the user, and if any check fails, the verification fails. The present specification provides a device for implementing dual offline payment, which is applied to a collection device, and the device includes: The system comprises a p