HK1247394B - Offline transaction implementation method and device - Google Patents

Description

Method and device for implementing offline transactions

Technical Field

This specification relates to the field of Internet technology, and in particular to a method and device for implementing offline transactions.

Background Art

With the rapid development of internet technology, offline brick-and-mortar businesses are increasingly leveraging it to solve production and operational problems. For example, they are enabling electronic payment functions, allowing users to pay online after purchase. However, offline brick-and-mortar businesses still face challenges such as high labor costs and low profits.

Summary of the Invention

In view of this, this specification provides a method and device for implementing offline transactions.

Specifically, this specification is implemented through the following technical solutions:

A method for implementing offline transactions, applied to a server, includes:

Receiving the user's biometrics collected by the merchant's transaction management system;

Determining whether the user account bound to the biometric feature has activated a credit transaction service, where the credit transaction service is activated if the credit information of the user account meets the conditions;

If it is determined that the user account has opened a credit transaction service, returning the index identifier of the user account to the merchant transaction management system;

Receive billing information uploaded by the merchant transaction management system, wherein the billing information carries the index identifier of the user account;

A bill payment operation is performed based on the user account pointed to by the index identifier.

A self-service vending machine includes: a first acquisition module, a first communication module, and a first vending module;

Wherein, the first acquisition module is used to collect user biometrics;

The first communication module is configured to send the biometric feature to a server for the server to determine whether the user account bound to the biometric feature has activated a credit transaction service, and receive an index identifier of the user account returned by the server when the server determines that the credit transaction service has been activated;

The first selling module is configured to respond to a user's purchase instruction and sell the corresponding product to the user after receiving the index identifier;

The first communication module is further configured to send bill information carrying the index identifier to the server after the sale is completed, so that the server can perform a bill payment operation based on the user account pointed to by the index identifier.

A management system for an unmanned supermarket, comprising: a second acquisition module, a second communication module, an access control module, and a settlement module;

Wherein, the second collection module is used to collect user biometrics;

The second communication module is configured to send the biometric feature to the server so that the server can determine whether the user account bound to the biometric feature has activated the credit transaction service, and receive the index identifier of the user account returned by the server when the server determines that the credit transaction service has been activated;

The access control module is configured to control the supermarket door to open after the second communication module receives the index identifier, so as to allow the user to enter;

The settlement module is configured to generate billing information carrying the index identifier after determining that the user has left the store;

The second communication module is further configured to send the bill information to a server, so that the server can perform a bill payment operation based on the user account pointed to by the index identifier.

An offline transaction implementation device, applied to a server, comprising:

A feature collection unit receives user biometric features collected by the merchant transaction management system;

an activation judgment unit for judging whether the user account bound to the biometric feature has activated a credit transaction service, wherein the credit transaction service is activated when the credit information of the user account meets the conditions;

an index returning unit, which returns the index identifier of the user account to the merchant transaction management system if it is determined that the user account has opened a credit transaction service;

A bill receiving unit receives bill information uploaded by the merchant transaction management system, wherein the bill information carries an index identifier of the user account;

The bill payment unit performs a bill payment operation based on the user account pointed to by the index identifier.

A device for implementing offline transactions, comprising:

processor;

memory for storing machine-executable instructions;

Wherein, by reading and executing the machine executable instructions corresponding to the offline transaction implementation control logic stored in the memory, the processor is prompted to:

Receiving the user's biometrics collected by the merchant's transaction management system;

Determining whether the user account bound to the biometric feature has activated a credit transaction service, where the credit transaction service is activated if the credit information of the user account meets the conditions;

If it is determined that the user account has opened a credit transaction service, returning the index identifier of the user account to the merchant transaction management system;

Receive billing information uploaded by the merchant transaction management system, wherein the billing information carries the index identifier of the user account;

A bill payment operation is performed based on the user account pointed to by the index identifier.

As can be seen from the above description, in this embodiment, users can use biometrics to conduct offline transactions when their credit information meets the requirements, without the need for a terminal device, making it convenient and fast. For merchants, since the user's credit information already meets the requirements, they can subsequently request payment using the user account index identifier returned by the server, eliminating the need to manually monitor user payment, thus saving significant labor costs.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG1 is a flow chart of a method for implementing an offline transaction shown in an exemplary embodiment of this specification.

FIG2 is a flow chart of a credit transaction service activation process shown in an exemplary embodiment of this specification.

FIG3 is a flow chart of another method for implementing offline transactions according to an exemplary embodiment of this specification.

FIG4 is a schematic diagram of a self-service vending machine shown in an exemplary embodiment of this specification.

FIG5 is a schematic structural diagram of an implementation device for offline transactions shown in an exemplary embodiment of this specification.

FIG6 is a block diagram of an offline transaction implementation device shown in an exemplary embodiment of this specification.

DETAILED DESCRIPTION

Exemplary embodiments will be described in detail herein, with examples illustrated in the accompanying drawings. In the following description, when referring to the drawings, identical numerals in different figures represent identical or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments are not intended to represent all embodiments consistent with this specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of this specification, as detailed in the appended claims.

The terms used in this specification are for the purpose of describing specific embodiments only and are not intended to limit this specification. As used in this specification and the appended claims, the singular forms "a," "an," "the," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It should be understood that although the terms first, second, third, etc. may be used in this specification to describe various information, such information should not be limited to these terms. These terms are merely used to distinguish information of the same type from one another. For example, first information may also be referred to as second information, and similarly, second information may also be referred to as first information without departing from the scope of this specification. Depending on the context, the term "if" as used herein may be interpreted as "when," "when," or "in response to determining."

FIG1 is a flow chart of a method for implementing an offline transaction shown in an exemplary embodiment of this specification.

Referring to FIG1 , the offline transaction implementation method can be applied on the server side and includes the following steps:

Step 102: Receive the user's biometric features collected by the merchant transaction management system.

In this embodiment, the merchant transaction management system is usually deployed by an offline physical merchant and includes a biometric feature collection device that can collect user biometric features. The biometric features may include fingerprints, palm prints, facial images, irises, etc.

After collecting user biometrics, the merchant's transaction management system can upload these features to the server via wired or wireless network transmission methods. For example, after a user places their palm print, the merchant's transaction management system can collect information such as the main lines, wrinkles, triangulation points, and minutiae of the palm print. For example, for a face, the merchant's transaction management system can also collect facial features. The merchant's transaction management system then uploads this biometric feature information to the server.

Step 104 , determining whether the user account bound to the biometric feature has activated a credit transaction service. The credit transaction service is activated when the credit information of the user account meets the conditions.

Step 106: If it is determined that the user account has opened a credit transaction service, the index identifier of the user account is returned to the merchant transaction management system.

In this embodiment, the index identifier of the user account may be a user account ID, or a temporary account ID corresponding to the user account, etc. This embodiment does not impose any special restrictions on this.

Step 108: Receive the billing information uploaded by the merchant transaction management system, wherein the billing information carries the index identifier of the user account.

In this embodiment, after a user performs consumption activities such as shopping and dining at an offline physical merchant, the merchant transaction management system can carry the bill amount generated by the user's consumption behavior and the index identifier of the user account in the bill information and send it to the server. The bill information usually also includes: bill time, bill number and other information.

Step 110: Perform a bill payment operation based on the user account pointed to by the index identifier.

Based on the aforementioned step 108, after receiving the bill information, the user account pointed to by the user account index identifier can be searched, and then the bill payment operation can be performed based on the found user account, such as: deducting the bill amount from the user account to pay the merchant.

As can be seen from the above description, in this embodiment, users can use biometrics to conduct offline transactions when their credit information meets the requirements, without the need for a terminal device, making it convenient and fast. For merchants, since the user's credit information already meets the requirements, they can subsequently request payment using the user account index identifier returned by the server, eliminating the need to manually monitor user payment, thus saving significant labor costs.

The following describes the implementation process of this specification through two aspects: the activation of the credit transaction service and the offline transaction based on the credit transaction service.

1. Activation of Credit Trading Services

FIG2 is a flow chart of a credit transaction service activation process shown in an exemplary embodiment of this specification.

Referring to FIG2 , the activation of the credit transaction service may include the following steps:

Step 202: Receive a credit transaction service activation request.

In this embodiment, the user can initiate a credit transaction service activation request through the client software (APP) loaded in the terminal device, and the user can also initiate a credit transaction service activation request through the browser of the PC.

Step 204: Determine whether the credit information of the user account that initiated the activation request meets the conditions.

Based on the aforementioned step 202, after receiving the credit transaction service activation request, the server can determine whether the credit information of the user account initiating the activation request meets preset conditions, such as determining whether the user account's credit score is greater than or equal to a preset score threshold. The score threshold can be pre-set by the developer. Generally speaking, a higher user account's credit score indicates better creditworthiness and a lower probability of default or fraud.

Step 206: If the credit information of the user account meets the conditions, a credit transaction service is opened for the user account, and the biometric feature uploaded based on the user account is bound to the user account.

Based on the judgment result of the aforementioned step 204, when the credit information of the user account meets the conditions, a credit transaction service can be opened for the user account, and the user is prompted to upload biometrics for using the credit transaction service.

After the user uploads the biometric feature for using the credit transaction service, the server can bind the biometric feature to the user account, for example, binding the feature information of the biometric feature to the account ID of the user account.

In one example, the credit transaction service can be activated by adding a credit transaction service flag to a user account. The credit transaction service flag can be a specific character, string, or the like. For example, a credit transaction service flag can be set for each user account. The initial value of this flag can be 0, indicating that the credit transaction service is not activated. When the credit transaction service is activated for a user account, the flag can be changed from 0 to 1, indicating that the credit transaction service is activated.

In another example, the activation of a credit transaction service can be achieved by saving the binding relationship between the biometric feature and the user account in a designated credit library. The credit library can be implemented as a database, a data table, etc. For example, the server can set up a credit library, and when activating a credit transaction service, the binding relationship between the biometric feature uploaded by the user and the user account can be stored in the credit library. For another example, the server can set up a credit library for each region, and when activating a credit transaction service, the binding relationship between the biometric feature uploaded by the user and the user account can be stored in the credit library of the region where the user account is located, so that the binding relationships of different regions can be stored in different credit libraries, thereby improving the efficiency of subsequent queries. The principle of regional division can be provincial division, municipal division, etc., and this embodiment does not impose any special restrictions on this.

In this embodiment, the credit information of a user account typically changes continuously with the usage of the user account. For user accounts that have activated the credit transaction service, the server can periodically or through event triggering to check whether the credit information of the user account still meets the conditions. If the conditions are still met, the activation status of the credit transaction service for the user account can be maintained; if the conditions are not met, the credit transaction service for the user account can be disabled, for example, by changing the credit transaction service flag of the user account from 1 to 0, or deleting the binding relationship between the user's biometric features and the user account in the designated credit library. The checking period can be set by the developer, such as 1 month, 2 months, etc. The event triggering can include: updating the credit information of the user account, for example, when the credit information of the user account is updated, it can be checked whether the credit information of the user account still meets the conditions.

In this embodiment, if it is determined that the credit information of the user account does not meet the conditions, the credit transaction service will not be enabled for the user account, for example, the credit transaction service flag will be kept at 0. The server can also return the result that the credit information does not meet the conditions and the method for improving the credit information for the user's reference.

II. Offline transactions based on credit transaction services

Based on the embodiment shown in FIG1 , in one example, taking the palm print as an example of the biometric feature uploaded by the user when opening a credit transaction service, please refer to FIG3 . The process of the user using the credit transaction service offline may include:

Step 301: The user enters the palm print in the merchant transaction management system.

In this embodiment, the user can input his or her palm print into the palm print collection device provided by the merchant transaction management system.

Step 302: The merchant transaction management system sends the collected palm prints to the server.

In step 303, the server determines whether the user has activated the credit transaction service.

In this embodiment, for different implementation methods of activating the credit transaction service, different sampling methods may be used to determine whether the user has activated the credit transaction service.

Regarding the implementation method of adding a credit transaction service mark to the user account, the server can check the value of the credit transaction service flag of the user account bound to the palm print. If the value is 0, it can be determined that the user has not activated the credit transaction service; if the value is 1, it can be determined that the credit transaction service has been activated.

Regarding the implementation method of saving the binding relationship between the biometric feature and the user account in the designated credit library, if the designated credit library is the only one in the world, it is possible to query in the credit library whether there is a user account bound to the palm print. If the bound user account is found, it can be determined that the user has activated the credit transaction service; if the bound user account is not found, it can be determined that the credit transaction service has not been activated.

If the designated credit database is the one corresponding to the region where the user account is located, the region of the merchant transaction management system can be determined first. Then, the local credit database corresponding to the region where the merchant transaction management system is located can be searched for the user account bound to the palm print. For example, assuming the merchant transaction management system is in Hangzhou, given the high probability of users conducting offline transactions in that region, the user account bound to the palm print can be searched first in the local credit database in Hangzhou to increase the search speed. If no such user account is found, the user account bound to the palm print can be searched in credit databases in other regions outside of Hangzhou. If the user account bound to the palm print is still not found after searching all other credit databases, it can be determined that the user has not activated the credit transaction service.

In this embodiment, when determining the user account bound to a palmprint, the palmprint feature information sent by the merchant transaction management system can be matched with the palmprint features bound to each user account. If a match is found, the user account bound to the palmprint can be determined. In this example, palmprint matching can be performed based on palmprint recognition algorithms such as point and line features, texture features, subspace analysis, and hierarchical feature fusion, and this embodiment does not impose any specific limitations on this.

In another example, taking the face as the biometric feature, the face matching algorithm can be: Eigenface algorithm, Local Binary Patterns algorithm (LBP), etc., and this embodiment does not impose any special restrictions on this. Optionally, before performing face matching, face liveness recognition can be performed first. Face liveness recognition can be performed in a variety of ways, such as active face liveness detection technology and passive face liveness detection technology. Active face liveness detection technology requires the user to cooperate with the instructions to complete specific liveness actions, such as blinking, turning the head, opening the mouth, etc. when performing face recognition, so that the liveness detection module can determine whether the operator is alive based on whether the operator has accurately completed the liveness action. Passive face liveness detection technology does not require the user to cooperate to complete the liveness action, and the user experience is better, but the technical difficulty is high, and it mainly relies on the input of single-frame image information or other device sensor information for liveness detection. For example, a single deep learning model can be trained in a supervised manner using live and non-live face images, and then the trained model can be used to predict live faces based on a single input image. Alternatively, two deep learning models can be used for live face detection.

In addition, if the server determines that the palm print is not bound to any user account, it can also be determined that the user has not activated the credit transaction service.

In step 304, after determining that the user has activated the credit transaction service, the server returns the index identifier of the user account to the merchant transaction management system.

In one example, the server may return the ID of the user account as its index identifier to the merchant transaction management system.

In another example, to ensure user account security, the server can dynamically generate an index identifier for the user account and return it to the merchant's transaction management system. For example, the server can generate a random code or temporary account number bound to the user account and then return the random code or temporary account number to the merchant's transaction management system. The random code or temporary account number has a preset expiration time, such as 6 hours or 12 hours. After the preset expiration time, the random code or temporary account number is unbound from the user account.

Step 305: The merchant transaction management system allows the user to purchase freely and leave the store after purchase.

In this embodiment, after receiving the index identifier of the user account returned by the server, the merchant transaction management system can determine that the user has activated the credit transaction service, and then allow the user to make purchases, such as controlling the door of the merchant store to open, and the user leaves the store after consumption, without the need for manual supervision to determine whether the user has paid.

In step 306, the merchant transaction management system sends the billing information of the user's current consumption to the server, and the billing information carries the above-mentioned index identifier.

In this embodiment, after the user makes a purchase, the merchant transaction management system can calculate the bill amount of the user's purchase, and then send the bill amount, the index identifier of the user account and other information to the server in the bill information.

In this embodiment, the merchant transaction management system can determine the user's bill amount through video monitoring, timing, etc., and this embodiment does not impose any special restrictions on this.

In step 307, the server performs a bill payment operation based on the user account pointed to by the index identifier.

Based on the aforementioned step 306, after receiving the bill information sent by the merchant transaction management system, the user account pointed to by the index identifier carried in the bill information can be searched, and then the bill payment operation can be performed based on the found user account, such as: deducting the bill amount based on the user account, and paying the deducted bill amount to the account bound to the merchant transaction management system, etc.

In this embodiment, the bill payment operation usually occurs after the user makes a purchase and leaves the store. To ensure the security of the user's account, the server can first check whether the bill information uploaded by the merchant's transaction management system complies with the preset security policy before executing the bill payment operation. If it does, the bill payment operation can be executed; if it does not, the bill payment operation can be suspended, and the bill information can be sent to the user account pointed to by the index identifier for the user to confirm. If the user confirms the bill, the payment operation can be executed. If the user has an objection to the bill, the merchant can be requested to confirm the bill, etc., to ensure the safety of the user's property.

In one example, the above security policy may include: the time difference between the time when the merchant transaction management system sends the user's palm print and the billing time is within a time difference threshold, wherein the time difference threshold can be set by the developer according to the consumption scenario. Generally speaking, the time length for a user to consume after entering the palm print is usually within a certain time length, for example: the time length for a user to dine out is usually not more than 3 hours, the time length for a user to shop in a supermarket is usually not more than 2 hours, etc. If the time difference between the time when the merchant transaction management system sends the user's palm print and the billing time exceeds the time difference threshold, it means that there may be an abnormality in this bill. In order to ensure the safety of the user's funds, the bill payment operation can be suspended and the bill information can be sent to the user for confirmation.

In another example, the security policy may further include: the bill amount meets the credit transaction amount limit of the user account pointed to by the index identifier, wherein the credit transaction amount limit can be set by the user. For example, after activating the credit transaction service, the user can set the credit transaction amount limit. For example, assuming the credit transaction amount set by the user is 500 yuan, if the bill amount does not exceed 500 yuan, the bill payment operation can be executed; if the bill amount exceeds 500 yuan, the bill payment operation can be suspended and the bill information can be sent to the user for confirmation.

In another example, the above security policy can be associated with the location of the user terminal. Based on the embodiments shown in Figures 1 and 3, by using a credit transaction service, users can realize offline transactions without terminals. However, in actual applications, even if users use a terminal-free credit transaction service to realize offline transactions, they usually carry terminal devices such as mobile phones with them. In this example, the client software that interacts with the above-mentioned server can regularly report the location information of the terminal, and the client software can be logged in based on the user account. After receiving the location information reported by the client, the server can save the correspondence between the location information and the reporting time, wherein the period for the client to report the location information can be set by the developer, such as: 1 hour, 2 hours, etc.

Please refer to the example of Table 1, which shows the location information and reporting time reported by the client software loaded in the terminal device of User 1. The client software is logged in based on User Account 1 of User 1.

Reporting time Location information 2017/6/19 10:00:00 Position 1 June 19, 2017, 11:00:00 AM Position 2 2017/6/19 12:00:00 Position 3

Table 1

Based on the example in Table 1, after receiving billing information from the merchant transaction management system, the server can obtain the billing time. Assuming the billing time is 2017/6/19 12:42:28, and the index carried in the billing information points to user account 1, the server can obtain the time of the most recently reported location information of the client logged in by user account 1 as 2017/6/19 12:00:00, with a time difference of 42 minutes and 28 seconds from the billing time. The client's most recently reported location is location 3. The server can calculate the distance difference between location 3 and the location of the merchant transaction management system. Assuming location 3 is in Beijing, while the merchant transaction management system is located in Sanya, user 1 cannot travel from Beijing to Sanya within 42 minutes and 28 seconds. Therefore, the distance difference between the merchant transaction management system's location information and the obtained terminal location information does not match the location change difference corresponding to the time difference. Therefore, the billing information is determined to be abnormal. To ensure the security of the user's funds, the bill payment operation can be suspended and the bill information can be sent to the user for confirmation.

In practical applications, the above three security policies may be combined for security detection, or one or any two of the above security policies may be used for security detection. Of course, other security policies may also be used for security detection, and this embodiment does not impose any special restrictions on this.

Step 308: After the bill payment is successful, the server updates the credit information of the user account according to the bill payment information.

In this embodiment, if the bill payment is successful, the credit information of the user account can be positively updated, such as recording the user's credit event; another example is to increase the user account's credit score accordingly. In actual implementation, the credit information can be updated after the bill payment is successful, or it can be updated at the credit information update time point, and this embodiment does not impose any specific limitations on this.

In another example, after a bill payment fails, the server can send a payment failure message to the user. For example, the server can push the payment failure message to the user account identified by the index identifier. The client logged in using that user account can then display the payment failure message. For example, the client can display the message "The charge for your purchase at ** store on May 18, 2017, failed. Please click to retry payment" on the homepage. Based on the displayed payment failure message, the user can manually retry payment.

Optionally, if the user does not manually re-pay within a predetermined period, the server may retry the automatic payment, for example, retrying the deduction after 24 hours.

Of course, after the bill payment fails, the server can also try to make automatic payments several times. If all attempts fail, a payment failure message can be sent to the user. This embodiment does not impose any special restrictions on this.

In this example, if a bill payment fails a predetermined number of times (e.g., three, five, etc.), and payment is still unsuccessful by the payment deadline, the server can negatively update the user's credit information and add the user to a negative credit list, such as a credit blacklist. The payment deadline can be set by the merchant, such as 10 or 15 days. Optionally, the server can also provide this negative credit list to merchants and businesses in need to help them mitigate risk.

As can be seen from the above description, after users activate the credit transaction service, they can conduct offline transactions using their biometrics, without the need for a terminal device, making it convenient and fast. Merchants can then request payment using the user account index returned by the server, eliminating the need to manually monitor user payment and saving significant labor costs.

The offline transaction implementation scheme described in the embodiment shown in Figure 1 or Figure 3 can be applied in scenarios such as self-service vending machines, unmanned supermarkets, and self-service KTVs. The following description will be made using self-service vending machines and unmanned supermarkets as examples.

1. Self-service vending machines

In one example, when a user purchases goods at a self-service vending machine, he or she can first select the goods he or she wants to buy. The self-service vending machine can then output the amount of the user's current consumption. The user can pay using various methods, such as cash, bank cards, and third-party payment platforms. After successful payment, the self-service vending machine can dispense the goods selected by the user.

In another example, referring to FIG. 4 , a self-service vending machine may include a first acquisition module, a first communication module, and a first vending module.

The first acquisition module may be a biometrics acquisition module for acquiring biometrics of the user.

The first communication module is configured to send the biometric feature to a server for the server to determine whether the user account bound to the biometric feature has activated a credit transaction service, and receive an index identifier of the user account returned by the server when the server determines that the credit transaction service has been activated;

The first selling module is configured to respond to a user's purchase instruction and sell the corresponding product to the user after receiving the index identifier;

The first communication module is further configured to send bill information carrying the index identifier to the server after the sale is completed, so that the server can perform a bill payment operation based on the user account pointed to by the index identifier.

In this example, still taking palm prints as an example, when a user purchases goods at a self-service vending machine, he or she can first input his or her palm print through the first acquisition module. The first communication module can send the palm print to the server. If the server determines that the user account bound to the palm print has opened a credit transaction service and returns the index identifier of the user account, the sales module can allow the user to select goods. After the user selects the goods, the sales module will place the corresponding goods, and the user can pick up the goods and leave.

For a self-service vending machine, the first communication module can send corresponding bill information to the server. The bill information contains the index identifier of the user account returned by the server and the bill amount of the current goods. The server can perform the bill payment operation based on the user account pointed to by the index identifier.

Optionally, to ensure that users who have not activated the credit transaction service can also use the self-service vending machine, the self-service vending machine may also be provided with a first prompt module, which may include a display screen. Upon determining that the user's palm print is not bound to any user account or that the user account bound to the user's palm print has not activated the credit transaction service, the server may return an error message. The first prompt module may generate a corresponding error prompt based on the error message. Furthermore, the first prompt module may also prompt the user to use a traditional payment method to pay the bill, such as allowing the user to select the goods first, prompting the user to pay after the purchase, and delivering the corresponding goods after the user successfully pays. This example does not impose any special restrictions on this.

2. Unmanned Supermarket

In this example, merchants can deploy unmanned supermarkets in airports, office buildings, and other locations, and also deploy a management system for the unmanned supermarkets. This management system may include: a second acquisition module, a second communication module, an access control module, and a settlement module. The second acquisition module is used to collect users' biometrics and can be located outside the door of the unmanned supermarket. Taking palm prints as an example, a palm print acquisition device (second acquisition module) can be installed at the entrance of the unmanned supermarket. When a user wishes to enter the unmanned supermarket, they can enter their palm print. The unmanned supermarket's second communication module can upload the collected palm print to the server. If the server determines that the user account bound to the palm print has activated the credit transaction service, it will return an index identifier of the user account. After the second communication module receives the index identifier, the access control module can control the opening of the unmanned supermarket's door, allowing the user to enter the supermarket and purchase goods. Users can freely purchase goods in the unmanned supermarket and leave on their own after completing their purchases.

In this example, the settlement module is used to generate bill information carrying the index identifier based on the bill amount. Specifically, the merchant can deploy monitoring equipment at the door. When it detects that a user is leaving an unmanned supermarket, for example, when a user opens the door inside an unmanned supermarket, the merchant can use the monitoring equipment to determine the items purchased by the user and then calculate the bill amount involved in the user's shopping behavior. Of course, the merchant can also use other methods to determine the bill amount involved in the user's shopping behavior, such as: the user scanning the product code, etc., which is not particularly limited in this embodiment.

In this example, after generating the bill information, the second communication module may send the bill information to the server, and the server may perform a bill payment operation based on the user account pointed to by the index identifier.

In the above process, users can complete offline transactions through palm prints. For users, there is no need to carry terminal devices, which is convenient and fast. For merchants, there is no need to deploy manpower for the sale and settlement of goods, which greatly saves labor costs.

In another example, when a user is shopping in an unmanned supermarket, other users can be prevented from entering. Specifically, the second acquisition module is also used to stop collecting the user's biometric features when it is determined that the user has not left the supermarket, so that the second communication module cannot receive the index identifier sent by the server, and the access control module will not control the supermarket door to open. Among them, the method of determining whether the user has left the store can be that the door of the unmanned supermarket is opened by an internal trigger. For example, after the user finishes shopping, he presses the door opening button in the unmanned supermarket, which can control the door to open and determine that the user has left the store. Of course, other methods can also be used to determine whether the user has left the store, such as video surveillance, etc., and this embodiment does not impose any special restrictions on this.

Optionally, the unmanned supermarket management system may further include a second prompt module, which may include a display screen. Upon determining that the user's palm print is not bound to any user account or that the user account bound to the user's palm print has not activated the credit transaction service, the server may return an error message. Based on this error message, the second prompt module may generate a corresponding error prompt, such as displaying "You have not activated the credit payment service. Please activate it first."

Similar to unmanned supermarkets, self-service KTV can also be implemented using the above methods, which will not be described in detail in this manual.

Corresponding to the aforementioned embodiments of the method for implementing offline transactions, this specification also provides embodiments of an apparatus for implementing offline transactions.

The embodiments of the offline transaction implementation device of this specification can be applied on a server. The device embodiment can be implemented by software, or by hardware or a combination of software and hardware. Taking software implementation as an example, as a device in a logical sense, it is formed by the processor of the server where it is located reading the corresponding computer program instructions in the non-volatile memory into the memory and running them. From the hardware level, as shown in Figure 5, it is a hardware structure diagram of the server where the offline transaction implementation device of this embodiment is located. In addition to the processor, memory, network interface, and non-volatile memory shown in Figure 5, the server where the device is located in the embodiment can usually include other hardware according to the actual function of the server, which will not be described in detail.

FIG6 is a block diagram of an offline transaction implementation device shown in an exemplary embodiment of this specification.

Please refer to Figure 6. The offline transaction implementation device 500 can be applied to the server shown in Figure 5 above, including: a feature collection unit 501, an activation judgment unit 502, an index return unit 503, a bill receiving unit 504, a bill payment unit 505, a service activation unit 506, a credit check unit 507, a security check unit 508 and a location storage unit 509.

The feature collection unit 501 receives the user's biometric features collected by the merchant transaction management system;

An activation determination unit 502 determines whether the user account bound to the biometric feature has activated a credit transaction service. The credit transaction service is activated when the credit information of the user account meets the conditions;

The index returning unit 503 returns the index identifier of the user account to the merchant transaction management system if it is determined that the user account has opened a credit transaction service;

The bill receiving unit 504 receives bill information uploaded by the merchant transaction management system, wherein the bill information carries the index identifier of the user account;

The bill payment unit 505 performs a bill payment operation based on the user account pointed to by the index identifier.

Service activation unit 506: receives a credit transaction service activation request;

Determining whether the credit information of the user account that initiated the activation request meets the conditions;

If the credit information of the user account meets the conditions, a credit transaction service is opened for the user account, and the biometric feature uploaded based on the user account is bound to the user account.

Optionally, the service activation unit 506 activates a credit transaction service for the user account, including:

Adding a credit transaction service mark to the user account;

The activation determination unit 502 determines whether the user account bound to the biometric feature has a credit transaction service mark;

If the credit transaction service mark is present, it is determined that the user account bound to the biometric feature has activated the credit transaction service.

Optionally, the service activation unit 506 activates a credit transaction service for the user account, including:

Saving the binding relationship between the biometric feature uploaded by the user account and the user account in a designated credit library;

The activation determination unit 502 searches for the user account bound to the biometric feature in the designated credit database;

If the bound user account is found, it is determined that the user account bound to the biometric feature has activated the credit transaction service.

Optionally, the designated credit database is a credit database corresponding to the region where the user account is located;

The activation determination unit 502 searches for the user account bound to the biometric feature in a local credit database corresponding to the region where the merchant transaction management system that collected the biometric feature is located;

If the bound user account is not found, searching for the user account bound to the biometric feature in a credit database other than the local credit database;

If the bound user account is still not found, it is determined that the user account bound to the biometric feature has not activated the credit transaction service.

Optionally, the activation determination unit 502 further returns an error message to the merchant transaction management system when determining that the biometric feature is not bound to any user account.

The credit checking unit 507 checks whether the credit information of the user account that has opened the credit transaction service meets the conditions in a regular or event-triggered manner;

If the conditions are not met, the credit transaction service of the user account will be closed.

Optionally, the bill payment unit 505 further updates the credit information of the user account according to the bill payment information when the bill payment is successful;

The event triggering includes: updating of user account credit information.

a security checking unit 508 that checks whether the bill information complies with a security policy before executing a bill payment operation based on the user account pointed to by the index identifier; if the bill information does not comply with the security policy, suspends the bill payment operation and sends the bill information to the user account pointed to by the index identifier for user confirmation;

The bill payment unit 505 performs a bill payment operation based on the user account pointed to by the index identifier when the bill information complies with the security policy.

Optionally, the bill payment unit 505 sends a failure message to the user when the bill payment fails; and/or adds the user to a negative credit list when the number of bill payment failures reaches a predetermined number and the payment is still not made by the payment deadline.

Optionally, the security policy includes: the time difference between the time of sending the biometric feature and the billing time is within a time difference threshold.

Optionally, the security policy includes: the bill amount meets the credit transaction amount limit of the user account pointed to by the index identifier.

The location storage unit 509 stores the terminal location information and reporting time periodically reported by the client logged in based on the user account;

The security check unit 508:

Obtain the terminal location information and reporting time most recently reported by the client logged in by the user account pointed to by the index identifier;

Based on the time difference between the billing time and the obtained reporting time, determine whether the distance difference between the location information of the merchant transaction management system and the obtained terminal location information meets the position change difference corresponding to the time difference. If so, determine that the billing information complies with the security policy.

Optionally, the condition includes: the credit score of the user account is greater than or equal to a score threshold.

Optionally, the index identifier of the user account changes dynamically.

The implementation process of the functions and effects of each unit in the above-mentioned device is specifically described in the implementation process of the corresponding steps in the above-mentioned method, and will not be repeated here.

For the device embodiments, since they basically correspond to the method embodiments, the relevant parts can be referred to the partial description of the method embodiments. The device embodiments described above are merely illustrative, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this specification. A person of ordinary skill in the art can understand and implement it without paying any creative work.

The systems, devices, modules, or units described in the above embodiments may be implemented by computer chips or entities, or by products having certain functions. A typical implementation device is a computer, which may be in the form of a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email transceiver, game console, tablet computer, wearable device, or any combination of these devices.

Corresponding to the aforementioned embodiments for implementing offline transactions, this specification also provides an offline transaction implementation device, comprising a processor and a memory for storing machine-executable instructions. The processor and memory are typically interconnected via an internal bus. In other possible implementations, the device may also include an external interface to enable communication with other devices or components.

In this embodiment, by reading and executing the machine-executable instructions corresponding to the offline transaction implementation control logic stored in the memory, the processor is prompted to:

Receiving the user's biometrics collected by the merchant's transaction management system;

Determining whether the user account bound to the biometric feature has activated a credit transaction service, where the credit transaction service is activated if the credit information of the user account meets the conditions;

If it is determined that the user account has opened a credit transaction service, returning the index identifier of the user account to the merchant transaction management system;

Receive billing information uploaded by the merchant transaction management system, wherein the billing information carries the index identifier of the user account;

A bill payment operation is performed based on the user account pointed to by the index identifier.

Optionally, when opening the credit transaction service, the processor is caused to:

Receive a request to activate the credit transaction service;

Determining whether the credit information of the user account that initiated the activation request meets the conditions;

If the credit information of the user account meets the conditions, a credit transaction service is opened for the user account, and the biometric feature uploaded based on the user account is bound to the user account.

Optionally, when opening a credit transaction service for the user account, the processor is prompted to:

Adding a credit transaction service mark to the user account;

When determining whether the user account bound to the biometric feature has activated a credit transaction service, the processor is prompted to:

Determining whether the user account bound to the biometric feature has a credit transaction service mark;

If the credit transaction service mark is present, it is determined that the user account bound to the biometric feature has activated the credit transaction service.

Optionally, when opening a credit transaction service for the user account, the processor is prompted to:

Saving the binding relationship between the biometric feature uploaded by the user account and the user account in a designated credit library;

When determining whether the user account bound to the biometric feature has activated a credit transaction service, the processor is prompted to:

Searching for the user account bound to the biometric feature in the designated credit database;

If the bound user account is found, it is determined that the user account bound to the biometric feature has activated the credit transaction service.

Optionally, the designated credit database is a credit database corresponding to the region where the user account is located;

When determining whether the user account bound to the biometric feature has activated a credit transaction service, the processor is prompted to:

Searching for the user account bound to the biometric feature in a local credit database corresponding to the region where the merchant transaction management system that collected the biometric feature is located;

If the bound user account is not found, searching for the user account bound to the biometric feature in a credit database other than the local credit database;

If the bound user account is still not found, it is determined that the user account bound to the biometric feature has not activated the credit transaction service.

Optionally, the processor is further caused to:

If it is determined that the biometric feature is not bound to any user account, an error message is returned to the merchant transaction management system.

Optionally, the processor is further caused to:

Checking whether the credit information of user accounts that have opened credit transaction services meets the conditions in a regular or event-triggered manner;

If the conditions are not met, the credit transaction service of the user account will be closed.

Optionally, the processor is further caused to:

If the bill payment is successful, the credit information of the user account is positively updated according to the bill payment information;

The event triggering includes: updating of user account credit information.

Optionally, the processor is further caused to:

If the bill payment fails, a payment failure message is sent to the user; and/or

If the bill payment fails a predetermined number of times and the payment is still not made by the payment deadline, the user will be added to the negative credit list.

Optionally, the processor is further caused to:

Before performing a bill payment operation based on the user account pointed to by the index identifier, checking whether the bill information complies with the security policy;

If the bill information complies with the security policy, performing a bill payment operation based on the user account pointed to by the index identifier;

If the bill information does not comply with the security policy, the bill payment operation is suspended, and the bill information is sent to the user account pointed to by the index identifier for confirmation by the user.

Optionally, the security policy includes: the time difference between the time of sending the biometric feature and the billing time is within a time difference threshold.

Optionally, the security policy includes: the bill amount meets the credit transaction amount limit of the user account pointed to by the index identifier.

Optionally, the processor is further caused to:

Saving the terminal location information and reporting time regularly reported by the client logged in based on the user account;

When checking whether the billing information complies with a security policy, the processor is caused to:

Obtain the terminal location information and reporting time most recently reported by the client logged in by the user account pointed to by the index identifier;

Based on the time difference between the billing time and the obtained reporting time, determine whether the distance difference between the location information of the merchant transaction management system and the obtained terminal location information meets the position change difference corresponding to the time difference. If so, determine that the billing information complies with the security policy.

Optionally, the condition includes: the credit score of the user account is greater than or equal to a score threshold.

Optionally, the index identifier of the user account changes dynamically.

Corresponding to the embodiment of the method for implementing offline transactions described above, this specification also provides a computer-readable storage medium having a computer program stored thereon. When the program is executed by a processor, the following steps are implemented:

Receiving the user's biometrics collected by the merchant's transaction management system;

Determining whether the user account bound to the biometric feature has activated a credit transaction service, where the credit transaction service is activated if the credit information of the user account meets the conditions;

If it is determined that the user account has opened a credit transaction service, returning the index identifier of the user account to the merchant transaction management system;

Receive billing information uploaded by the merchant transaction management system, wherein the billing information carries the index identifier of the user account;

A bill payment operation is performed based on the user account pointed to by the index identifier.

Optionally, the process of activating the credit transaction service includes:

Receive a request to activate the credit transaction service;

Determining whether the credit information of the user account that initiated the activation request meets the conditions;

If the credit information of the user account meets the conditions, a credit transaction service is opened for the user account, and the biometric feature uploaded based on the user account is bound to the user account.

Optionally, opening a credit transaction service for the user account includes:

Adding a credit transaction service mark to the user account;

The determining whether the user account bound to the biometric feature has activated a credit transaction service includes:

Determining whether the user account bound to the biometric feature has a credit transaction service mark;

If the credit transaction service mark is present, it is determined that the user account bound to the biometric feature has activated the credit transaction service.

Optionally, opening a credit transaction service for the user account includes:

Saving the binding relationship between the biometric feature uploaded by the user account and the user account in a designated credit library;

The determining whether the user account bound to the biometric feature has activated a credit transaction service includes:

Searching for the user account bound to the biometric feature in the designated credit database;

If the bound user account is found, it is determined that the user account bound to the biometric feature has activated the credit transaction service.

Optionally, the designated credit database is a credit database corresponding to the region where the user account is located;

The determining whether the user account bound to the biometric feature has activated a credit transaction service includes:

Searching for the user account bound to the biometric feature in a local credit database corresponding to the region where the merchant transaction management system that collected the biometric feature is located;

If the bound user account is not found, searching for the user account bound to the biometric feature in a credit database other than the local credit database;

If the bound user account is still not found, it is determined that the user account bound to the biometric feature has not activated the credit transaction service.

Optionally, also include:

If it is determined that the biometric feature is not bound to any user account, an error message is returned to the merchant transaction management system.

Optionally, also include:

Checking whether the credit information of user accounts that have opened credit transaction services meets the conditions in a regular or event-triggered manner;

If the conditions are not met, the credit transaction service of the user account will be closed.

Optionally, also include:

If the bill payment is successful, the credit information of the user account is positively updated according to the bill payment information;

The event triggering includes: updating of user account credit information.

Optionally, also include:

If the bill payment fails, a payment failure message is sent to the user; and/or

If the bill payment fails a predetermined number of times and the payment is still not made by the payment deadline, the user will be added to the negative credit list.

Optionally, also include:

Before performing a bill payment operation based on the user account pointed to by the index identifier, checking whether the bill information complies with the security policy;

If the bill information complies with the security policy, performing a bill payment operation based on the user account pointed to by the index identifier;

If the bill information does not comply with the security policy, the bill payment operation is suspended, and the bill information is sent to the user account pointed to by the index identifier for confirmation by the user.

Optionally, the security policy includes: the time difference between the time of sending the biometric feature and the billing time is within a time difference threshold.

Optionally, the security policy includes: the bill amount meets the credit transaction amount limit of the user account pointed to by the index identifier.

Optionally, also include:

Saving the terminal location information and reporting time regularly reported by the client logged in based on the user account;

The checking whether the billing information complies with the security policy includes:

Obtain the terminal location information and reporting time most recently reported by the client logged in by the user account pointed to by the index identifier;

Based on the time difference between the billing time and the obtained reporting time, determine whether the distance difference between the location information of the merchant transaction management system and the obtained terminal location information meets the position change difference corresponding to the time difference. If so, determine that the billing information complies with the security policy.

Optionally, the condition includes: the credit score of the user account is greater than or equal to a score threshold.

Optionally, the index identifier of the user account changes dynamically.

The foregoing description of this specification describes specific embodiments. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that described in the embodiments and still achieve the desired results. Furthermore, the processes depicted in the accompanying drawings do not necessarily require the specific order shown or the sequential order to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

The above description is only a preferred embodiment of this specification and is not intended to limit this specification. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of this specification should be included in the scope of protection of this specification.

Claims (33)

1. A method for implementing offline transactions, applied on the server side, comprising: Receives user biometric data collected by the merchant transaction management system; Determine whether the user account linked to the biometrics has activated the credit transaction service, which is activated when the user account's credit information meets the conditions. If it is determined that the user account has activated credit transaction service, the index identifier of the user account is returned to the merchant transaction management system; The system receives billing information uploaded by the merchant transaction management system, the billing information carrying the index identifier of the user account; Execute the bill payment operation based on the user account pointed to by the index identifier; The credit information of user accounts that have activated credit transaction services is checked periodically or by event-triggered checks to see if they meet the conditions. If the conditions are not met, the credit transaction service for the user account will be closed. The conditions include: the user account's credit score is greater than or equal to the scoring threshold. 2. The method according to claim 1, wherein the credit transaction service activation process includes: Received a request to activate the credit transaction service; Determine whether the credit information of the user account that initiated the activation request meets the conditions; If the credit information of the user account meets the conditions, then credit transaction services will be enabled for the user account, and the biometric features uploaded by the user account will be bound to the user account. 3. The method according to claim 2, wherein opening credit transaction services for the user account includes: Add a credit transaction service tag to the user account; The determination of whether the user account linked to the biometrics has activated the credit transaction service includes: Determine whether the user account linked to the biometric features has a credit transaction service tag; If the user account associated with the credit transaction service is identified, it is determined that the user account linked to the biometrics has activated the credit transaction service. 4. The method according to claim 2, wherein opening credit transaction services for the user account includes: The binding relationship between the biometric features uploaded by the user account and the user account is saved to a designated credit database; The determination of whether the user account linked to the biometrics has activated the credit transaction service includes: Search the user account linked to the biometric feature in the designated credit database; If the linked user account is found, it is determined that the user account linked to the biometrics has activated the credit transaction service. 5. The method according to claim 4, wherein the designated credit database is a credit database corresponding to the region where the user account is located; The determination of whether the user account linked to the biometrics has activated the credit transaction service includes: Search the user account linked to the biometrics in the local credit database corresponding to the region where the merchant transaction management system that collects the biometrics is located; If the bound user account is not found, then search for the user account bound to the biometric feature in a credit database other than the local credit database. If the bound user account is still not found, it is determined that the user account bound to the biometrics has not activated the credit transaction service. 6. The method according to claim 1, further comprising: If it is determined that the biometric feature is not linked to any user account, an error message is returned to the merchant transaction management system. 7. The method according to claim 1, further comprising: If the bill payment is successful, the credit information of the user account will be updated in a positive direction based on the bill payment information; The event triggers include: updates to user account credit information. 8. The method according to claim 1, further comprising: If the bill payment fails, a payment failure message will be sent to the user; and/or If a user fails to pay a bill a predetermined number of times and still fails to pay by the payment deadline, the user will be added to a negative credit list. 9. The method according to claim 1, further comprising: Before performing a bill payment operation based on the user account pointed to by the index identifier, check whether the bill information complies with the security policy; If the billing information conforms to the security policy, then the bill payment operation is performed based on the user account pointed to by the index identifier. 10. The method according to claim 9, wherein the security strategy includes: the time difference between the time of sending the biometric data and the time of the billing is within a time difference threshold. 11. The method according to claim 9, wherein the security policy includes: the bill amount meets the credit transaction amount limit of the user account pointed to by the index identifier. 12. The method according to claim 9, further comprising: Store the terminal location information and reporting time periodically reported by the client that logs in based on the user account; The process of checking whether the billing information complies with the security policy includes: Obtain the terminal location information and reporting time most recently reported by the client that logged in based on the user account pointed to by the index identifier; Based on the time difference between the billing time and the reported time, determine whether the distance difference between the location information of the merchant transaction management system and the obtained terminal location information matches the location change difference corresponding to the time difference. If it matches, then determine that the billing information complies with the security policy. 13. The method according to claim 1, wherein the index identifier of the user account is dynamically changing. 14. A vending machine, comprising: a first data collection module, a first communication module, and a first vending module; The first acquisition module is used to acquire user biometrics; The first communication module is used to send the biometric features to the server so that the server can determine whether the user account bound to the biometric features has activated credit transaction service, and receive the index identifier of the user account returned by the server when it is determined that the credit transaction service has been activated; The first sales module is used to respond to the user's purchase instruction and sell the corresponding goods to the user after receiving the index identifier; The first communication module is also used to send bill information carrying the index identifier to the server after the sale is completed, so that the server can perform bill payment operation based on the user account pointed to by the index identifier; The server checks whether the credit information of user accounts that have activated credit transaction services meets the conditions by periodically or through event-triggered methods. If the conditions are not met, the credit transaction service for the user account will be closed. The conditions include: the user account's credit score is greater than or equal to the scoring threshold. 15. The vending machine according to claim 14, The first communication module is also used to receive an error message returned by the server when it determines that the biometric feature is not bound to any user account or the user account bound to the biometric feature has not activated the credit transaction service; The self-service vending machine also includes: a first prompt module; The first prompting module is used to generate a corresponding error prompt based on the error message. 16. The vending machine according to claim 15, The first prompt module is also used to prompt the user to pay the bill using a traditional payment method after generating the corresponding error message. 17. A management system for an unmanned supermarket, comprising: a second data acquisition module, a second communication module, an access control module, and a settlement module; The second acquisition module is used to acquire user biometrics. The second communication module is used to send the biometric features to the server so that the server can determine whether the user account bound to the biometric features has activated credit transaction service, and receive the index identifier of the user account returned by the server when it is determined that credit transaction service has been activated; The access control module is used to control the supermarket door to open after the second communication module receives the index identifier, so as to allow the user to enter; The settlement module is used to generate bill information carrying the index identifier after determining that the user has left the store; The second communication module is also used to send the bill information to the server so that the server can perform a bill payment operation based on the user account pointed to by the index identifier; The server checks whether the credit information of user accounts that have activated credit transaction services meets the conditions by periodically or through event-triggered methods. If the conditions are not met, the credit transaction service for the user account will be closed. The conditions include: the user account's credit score is greater than or equal to the scoring threshold. 18. The system according to claim 17, The second data collection module is also used to stop collecting user biometrics when it is determined that the user has not left the supermarket. 19. The system according to claim 17, The second communication module is also used to receive an error message returned by the server when it determines that the biometric feature is not bound to any user account or the user account bound to the biometric feature has not activated the credit transaction service; The system also includes: The second prompt module is used to generate a corresponding error prompt based on the error message. 20. An apparatus for implementing offline transactions, applied on a server side, comprising: The feature acquisition unit receives user biometric features collected by the merchant transaction management system; The activation judgment unit determines whether the user account bound to the biometrics has activated the credit transaction service. The credit transaction service is activated when the credit information of the user account meets the conditions. If the index return unit determines that the user account has activated credit transaction service, it returns the index identifier of the user account to the merchant transaction management system. The bill receiving unit receives bill information uploaded by the merchant transaction management system, wherein the bill information carries an index identifier of the user account; The bill payment unit performs a bill payment operation based on the user account pointed to by the index identifier; The credit check unit checks whether the credit information of user accounts that have activated credit transaction services meets the conditions, either periodically or by event triggering. If the conditions are not met, the credit transaction service for the user account will be closed. The conditions include: the user account's credit score is greater than or equal to the scoring threshold. 21. The apparatus of claim 20, further comprising: Service Activation Unit: Receives a request to activate the credit transaction service; Determine whether the credit information of the user account that initiated the activation request meets the conditions; If the credit information of the user account meets the conditions, then credit transaction services will be enabled for the user account, and the biometric features uploaded by the user account will be bound to the user account. 22. The apparatus according to claim 21, wherein the service activation unit activates credit transaction services for the user account, comprising: Add a credit transaction service tag to the user account; The activation judgment unit: determines whether the user account bound to the biometric feature has a credit transaction service mark; If the user account associated with the credit transaction service is identified, it is determined that the user account linked to the biometrics has activated the credit transaction service. 23. The apparatus according to claim 21, wherein the service activation unit activates credit transaction services for the user account, comprising: The binding relationship between the biometric features uploaded by the user account and the user account is saved to a designated credit database; The activation judgment unit: searches for the user account bound to the biometric feature in the designated credit database; If the linked user account is found, it is determined that the user account linked to the biometrics has activated credit transaction services. 24. The apparatus according to claim 23, wherein the designated credit database is a credit database corresponding to the region where the user account is located; The activation judgment unit: searches for the user account bound to the biometric feature in the local credit database corresponding to the region where the merchant transaction management system that collects the biometric feature is located; If the bound user account is not found, then search for the user account bound to the biometric feature in a credit database other than the local credit database. If the bound user account is still not found, it is determined that the user account bound to the biometrics has not activated the credit transaction service. 25. The apparatus according to claim 20, The activation judgment unit also returns an error message to the merchant transaction management system when it determines that the biometric feature is not bound to any user account. 26. The apparatus according to claim 20, The bill payment unit also updates the user account's credit information in a positive direction based on the bill payment information when the bill payment is successful. The event triggers include: updates to user account credit information. 27. The apparatus according to claim 20, The bill payment unit also sends a failure message to the user when the bill payment fails; and/or If a user fails to pay their bill a predetermined number of times and still hasn't paid by the payment deadline, they will be added to a negative credit list. 28. The apparatus of claim 20, further comprising: The security check unit checks whether the bill information complies with the security policy before performing the bill payment operation based on the user account pointed to by the index identifier. When the bill information conforms to the security policy, the bill payment unit performs a bill payment operation based on the user account pointed to by the index identifier. 29. The apparatus of claim 28, wherein the security strategy comprises: the time difference between the time of sending the biometric data and the time of the billing is within a time difference threshold. 30. The apparatus of claim 28, wherein the security policy includes: the bill amount satisfies the credit transaction amount limit of the user account pointed to by the index identifier. 31. The apparatus of claim 28, further comprising: The location storage unit stores the terminal location information and reporting time periodically reported by the client that logs in based on the user account; The security inspection unit: Obtain the terminal location information and reporting time most recently reported by the client that logged in based on the user account pointed to by the index identifier; Based on the time difference between the billing time and the reported time, determine whether the distance difference between the location information of the merchant transaction management system and the obtained terminal location information matches the location change difference corresponding to the time difference. If it matches, then determine that the billing information complies with the security policy. 32. The device according to claim 20, wherein the index identifier of the user account is dynamically changing. 33. An apparatus for realizing offline transactions, comprising: processor; Memory used to store machine-executable instructions; Specifically, the processor is prompted to: read and execute machine-executable instructions stored in the memory corresponding to the implementation control logic of offline transactions. Receives user biometric data collected by the merchant transaction management system; Determine whether the user account linked to the biometrics has activated the credit transaction service, which is activated when the user account's credit information meets the conditions. If it is determined that the user account has activated credit transaction service, the index identifier of the user account is returned to the merchant transaction management system; The system receives billing information uploaded by the merchant transaction management system, the billing information carrying the index identifier of the user account; Execute the bill payment operation based on the user account pointed to by the index identifier; The credit information of user accounts that have activated credit transaction services is checked periodically or by event-triggered checks to see if they meet the conditions. If the conditions are not met, the credit transaction service for the user account will be closed. The conditions include: the user account's credit score is greater than or equal to the scoring threshold.