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1. (WO2018040653) NFC-BASED OFF-LINE PAYMENT METHOD

Pub. No.:    WO/2018/040653    International Application No.:    PCT/CN2017/087192
Publication Date: Fri Mar 09 00:59:59 CET 2018 International Filing Date: Tue Jun 06 01:59:59 CEST 2017
IPC: G06Q 20/36
Applicants: CHINA SMARTCITY TECHNOLOGY CO., LTD.
中城智慧科技有限公司
Inventors: NIE, Ming
聂明
Title: NFC-BASED OFF-LINE PAYMENT METHOD
Abstract:
Disclosed is an NFC-based off-line payment method, which belongs to the technical field of mobile payment. The method comprises: S1, a payment terminal receiving a payment receiving instruction sent by a payment receiving terminal; S2, the payment terminal generating a first verification code and a first authentication signature code, and sending same together with a payment terminal identity authentication instruction to the payment receiving terminal; S3, the payment terminal receiving a second verification code, a second authentication signature code and an electronic purse balance updating instruction generated after the payment receiving terminal performs signature verification and deduction on the payment terminal; S4, the payment terminal performing signature verification on the payment receiving terminal and adding a corresponding amount to an electronic purse based on the received purse balance updating instruction; and S5, the payment terminal generating a third verification code and a third authentication signature code, and sending same together with a payment success instruction to a payment receiving terminal to wait for the payment receiving terminal to perform signature verification. The non-network payment and data exchange between two terminals are realized.