METHOD AND SYSTEM FOR PROCESSING SECURE OFFLINE TRANSACTIONS

摘要

This application discloses a method implemented at a server to facilitate secure offline transactions. The server receives, from a client device, an authorization request that includes a user identifier, first financial account information and a secure code. The server authenticates the authorization request, and sends a first transaction approval to the client device. Then, in accordance with the information received in the authorization request, the server facilitates a secure transaction between the client device and a point-of-sale (POS) machine while the client device is offline. Specifically, the server receives, from the POS machine, a transaction request that includes at least the user identifier and the security code. The server retrieves the first financial account information from a memory according to the user identifier and the security code, performs a transaction operation associated with the first financial account information, and sends a second transaction approval to the POS machine.

主权项

1. A method for facilitating secure offline transactions, comprising:
at a server having one or more processors and memory storing programs for execution by the processors:
receiving, from a client device, an authorization request that includes a user identifier, first financial account information and a secure code, wherein the first financial account information is associated with a first financial account owned by a user who uses the client device and is identified by the user identifier, and the secure code is used for verifying both the user and the client device;authenticating the authorization request according to a predetermined data integrity check method, storing the user identifier, the first financial account information and the secure code in the memory of the server and sending a first transaction approval to the client device;facilitating a secure transaction between the client device and a point-of-sale (POS) machine while the client device is offline, by:
receiving, from the POS machine, a transaction request that includes the user identifier, the security code, a merchant identifier associated with a merchant who uses the POS machine, and order information associated with a purchase order, wherein the POS machine obtains from the client device an encrypted graphic code that is associated with the user identifier and the security code; andin accordance with the first transaction approval: (1) retrieving the first financial account information from the memory according to the user identifier and the security code, (2) retrieving second financial account information from the memory according to the merchant identifier, wherein the second financial account information is associated with a second financial account owned by the merchant, (3) performing a transaction operation associated with the order information between the first and second financial accounts, and (4) sending a second transaction approval to the POS machine.