CN-122022797-A - Off-line verification method and device based on POS machine transaction

CN122022797ACN 122022797 ACN122022797 ACN 122022797ACN-122022797-A

Abstract

An off-line verification method and device based on POS machine transaction relates to the field of information security. The method includes the steps of monitoring whether the POS machine is in an offline state or not, acquiring a card number corresponding to a user transaction card when the POS machine is in the offline state, locally inquiring a historical transaction record corresponding to the card number in the POS machine, determining similarity between a current transaction commodity and the historical transaction commodity, and if the similarity is smaller than or equal to a second preset similarity threshold value, confirming that transaction verification of the current commodity is not passed and terminating transaction of the current transaction commodity. By implementing the technical scheme provided by the application, the problem of lower safety of the traditional offline checking method is solved.

Inventors

LIU SHULIN

Assignees

深圳市海纵科技有限公司

Dates

Publication Date: 20260512
Application Date: 20231127

Claims (10)

1. An offline verification method based on POS machine transaction, which is characterized by being applied to a POS machine, comprising the following steps: Monitoring whether the POS machine is in an offline state; When the POS machine is in an offline state, acquiring a card number corresponding to a user transaction card; Inquiring a historical transaction record corresponding to the card number locally at the POS machine, wherein the historical transaction record comprises the card number, a historical transaction commodity corresponding to the card number and a historical transaction amount corresponding to the card number, and the POS machine stores the historical transaction record corresponding to the card number locally in advance; determining the similarity between the current transaction commodity and the historical transaction commodity; If the similarity is greater than or equal to a first preset similarity threshold, confirming that the transaction verification of the current transaction commodity is passed, and releasing the transaction of the current transaction commodity; if the similarity is smaller than a first preset similarity threshold value and the similarity is larger than a second preset similarity threshold value, confirming that the transaction verification of the current commodity is not passed, and carrying out identity recognition on the user transaction card, wherein the identity recognition is fingerprint recognition; and if the similarity is smaller than or equal to a second preset similarity threshold, confirming that the transaction verification of the current transaction commodity is not passed, and ending the transaction of the current transaction commodity.
2. The method of claim 1, wherein after said determining the similarity of the current transaction item to the historical transaction item, the method further comprises: Acquiring a current transaction place corresponding to the current transaction commodity; Comparing the current transaction location with a preset transaction location library, wherein the preset transaction location library is a transaction address library locally stored by the POS machine; Judging whether the current transaction place is in a preset transaction place library or not; If the current transaction place is in a preset transaction place library, releasing the transaction of the current transaction commodity; And if the current transaction place is not in the preset transaction place library, ending the transaction of the current transaction commodity.
3. The method of claim 2, wherein the determining whether the current transaction location is within a preset transaction location library is followed by the operation of: Acquiring the current transaction time corresponding to the current transaction commodity; judging whether the current transaction time is within a preset transaction time range or not; if the transaction time is within the preset transaction time range, releasing the transaction of the current transaction commodity; and if the transaction time is not within the preset transaction time range, ending the transaction of the current transaction commodity.
4. A method according to claim 3, wherein said operation of determining whether said transaction time is within a predetermined transaction time range is followed by: acquiring a current transaction amount corresponding to the current transaction commodity; judging whether the current transaction amount is within a preset transaction amount range or not; If the current transaction amount is within the preset transaction amount range, releasing the transaction of the current transaction commodity; and if the current transaction time is not within the preset transaction time range, ending the transaction of the current transaction commodity.
5. The method of claim 4, wherein after the operation of determining whether the current transaction amount is within a preset transaction amount range, the method further comprises: Acquiring a merchant ID corresponding to the current transaction commodity; Judging whether the merchant ID is in a preset merchant blacklist or not; if the merchant ID is in a preset merchant blacklist, releasing the transaction of the current transaction commodity; and if the merchant ID is not in the preset merchant blacklist, ending the transaction of the commodity in the current transaction.
6. The method of claim 1, wherein after said monitoring whether said POS machine is offline, said method further comprises: When the POS machine is in a non-offline state, the transaction information of the POS machine in the offline state is sent to a POS machine management platform, the non-offline state is in a networking state, and the transaction information comprises a transaction card number, a transaction commodity and a transaction amount.
7. The method of claim 1, wherein after said monitoring whether said POS machine is offline, said method further comprises: And when the POS machine is in a non-offline state, acquiring a preset merchant blacklist from the POS machine management platform, wherein the preset merchant blacklist comprises merchant IDs of abnormal transactions.
8. An offline verification device based on POS machine transaction is characterized by comprising a monitoring module (201), a processing module (202), a judging module (203) and an executing module (204); The monitoring module (201) is used for monitoring whether the POS machine is in an offline state or not; The processing module (202) is used for acquiring a card number corresponding to a user transaction card when the POS machine is in an offline state, locally inquiring a historical transaction record corresponding to the card number in the POS machine, wherein the historical transaction record comprises the card number, a historical transaction commodity corresponding to the card number and a historical transaction amount corresponding to the card number; The judging module (203) is used for judging the similarity between the current transaction commodity and the historical transaction commodity; The execution module (204) is configured to confirm that the transaction verification of the current commodity passes and release the transaction of the current transaction commodity if the similarity is greater than or equal to a first preset similarity threshold; The execution module (204) is configured to, if the similarity is smaller than a first preset similarity threshold and the similarity is larger than a second preset similarity threshold, confirm that the transaction verification of the current commodity is not passed, and identify the user transaction card, where the identification is fingerprint identification; And the execution module (204) is used for confirming that the transaction verification of the current commodity is not passed and terminating the transaction of the current transaction commodity if the similarity is smaller than or equal to a second preset similarity threshold value.
9. An electronic device comprising a processor (301), a memory (305), a user interface (303) and a network interface (304), the memory (305) being adapted to store instructions, the user interface (303) and the network interface (304) being adapted to communicate to other devices, the processor (301) being adapted to execute the instructions stored in the memory (305) to cause the electronic device (300) to perform the method according to any of claims 1-7.
10. A computer-readable storage medium, wherein the computer-readable storage medium stores instructions that, when executed, performs the method steps of any of claims 1-7.

Description

Off-line verification method and device based on POS machine transaction Technical Field The application relates to the technical field of information security, in particular to an offline verification method and device based on POS machine transaction. Background With the development of technology, POS devices are used in various payment scenarios. For example, POS devices are the most common payment devices in retail stores through which customers can swipe their cards to make payments. The POS machine can read credit card, debit card and mobile payment information to complete payment transaction. When the POS is located in a location where there is no network connection, such as in a remote area, temporary active site, or network failure, it is often necessary to use offline operations to make payments. The POS machine offline application has the advantages that the POS machine offline application can complete the transaction without network connection, so that the transaction efficiency is improved, and the payment flexibility is improved. In the conventional offline operation method, when a user makes a transaction using a payment card, a POS opportunity reads magnetic stripe information on the payment card and performs offline card verification, checking the authenticity and validity of the card, including only verifying the card number, card validity period, and card status of the transaction card. The method has the problem of lower safety. Therefore, there is a need for an offline verification method and device based on POS transactions. Disclosure of Invention The application provides an offline verification method based on POS machine transaction, which solves the problem of lower safety in the traditional offline verification method. The application provides an offline verification method based on POS machine transactions, which comprises the steps of monitoring whether the POS machine is in an offline state, obtaining a card number corresponding to a user transaction card when the POS machine is in the offline state, locally inquiring a historical transaction record corresponding to the card number in the POS machine, wherein the historical transaction record comprises the card number, a historical transaction commodity corresponding to the card number and a historical transaction amount corresponding to the card number, locally pre-storing the historical transaction record corresponding to the card number in the POS machine, determining the similarity between the current transaction commodity and the historical transaction commodity, confirming that the transaction verification of the current transaction commodity passes if the similarity is greater than or equal to a first preset similarity threshold, releasing the transaction of the current transaction commodity, confirming that the transaction verification of the current commodity does not pass if the similarity is less than the first preset similarity threshold and the similarity is greater than a second preset similarity threshold, identifying the user transaction card as a fingerprint, confirming that the transaction verification of the current transaction commodity does not pass if the similarity is less than or equal to the second preset similarity threshold, and terminating the transaction verification of the current transaction commodity. By adopting the technical scheme, the identity of the user for transaction can be identified by acquiring the card number when the POS machine is in an offline state. The historical transaction record corresponding to the card number is locally inquired at the POS machine, and the past transaction history of the user can be obtained and used for comparison with the current transaction. The historical transaction records are stored locally in advance, so that the query speed can be increased, and the dependence on a server is reduced. The similarity of the current transaction commodity and the historical transaction commodity is compared, so that the validity of the transaction is judged, the possibility that the card owner is operating is improved, the security of POS machine transaction is improved, and fraud and theft are prevented. Optionally, after the similarity between the current transaction commodity and the historical transaction commodity is determined, the method further comprises the steps of obtaining a current transaction place corresponding to the current transaction commodity, comparing the current transaction place with a preset transaction place library, wherein the preset transaction place library is a transaction address library locally stored by a POS machine, judging whether the current transaction place is in the preset transaction place library, releasing the transaction of the current transaction commodity if the current transaction place is in the preset transaction place library, and terminating the transaction of the current transaction commodity if the current transactio