OFFLINE PAYMENT AUTHORIZATION METHOD AND APPARATUS, OFFLINE PAYMENT METHOD AND APPARATUS, AND COLLECTION METHOD AND APPARATUS

OFFLINE PAYMENT AUTHORIZATION METHOD AND APPARATUS, OFFLINE PAYMENT METHOD AND APPARATUS, AND COLLECTION METHOD AND APPARATUS

Embodiments of this application provide methods and apparatuses for offline payment authorization, offline payment, and payment collection for an offline device. The offline payment authorization method is applied to a server, and includes the following: obtaining wallet account information, a curre...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: ZHU, Bing Ying, WAN, Xiao Fei, XU, Deng Wei, XIN, Zhi, ZHOU, Lei
Format: Patent
Sprache:eng ; fre ; ger
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:Embodiments of this application provide methods and apparatuses for offline payment authorization, offline payment, and payment collection for an offline device. The offline payment authorization method is applied to a server, and includes the following: obtaining wallet account information, a current account balance, and current credit information of a target electronic wallet account when it is detected that a current state of the target electronic wallet account satisfies a predetermined certificate delivery condition; determining a corresponding offline payment limit based on the current account balance and the current credit information; signing summary information by using a server private key to obtain an electronic wallet signature, where the summary information includes the wallet account information, the offline payment limit, an issuance time, and validity duration; generating a user certificate based on the summary information and the electronic wallet signature; and delivering the user certificate to a terminal device that has the target electronic wallet account so that an offline account corresponding to the target electronic wallet account can make offline payment within the offline payment limit based on the user certificate.