NFC-BASED OFF-LINE PAYMENT METHOD

WIPO Patent Application WO/2018/040653

A1

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.

NIE MING (CN)

PCT/CN2017/087192

March 08, 2018

June 05, 2017

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CHINA SMARTCITY TECH CO LTD (CN)

G06Q20/36

WO2009132108A2

2009-10-29

CN106327186A	2017-01-11
CN105761078A	2016-07-13
CN104463575A	2015-03-25
US20120166337A1	2012-06-28
CN105631661A	2016-06-01

SHANG EAST ASIA PATENT & TRADEMARK AGENCY (CN)

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