TWI668647B - Contactless offline transaction method, seller device and buyer device - Google Patents

Abstract

A contactless offline transaction method comprising the steps of: (A) a seller device generating a bill for payment, and transmitting the bill to a buyer device via a short-range wireless communication; (B) the buyer device Calculating an actual payment amount according to the payment bill at least, and generating a sales receipt certificate including the actual payment amount and an authentication code, and transmitting the sales receipt certificate to the seller device via the short-range wireless communication; (C) After receiving the sales vouchers, the seller device determines whether the authentication code of the sales vouchers matches a plurality of verification codes pre-stored by the seller device; and (D) the seller device determines that the matching is established, that is, according to The charge slip voucher generates a closing voucher confirming the completion of the transaction and transmits the closing voucher to the buyer device via the short-range wireless communication.

Description

Contactless offline transaction method, seller device and buyer device

The present invention relates to a transaction method, and more particularly to a contactless offline transaction method, a seller device, and a buyer device.

Modern retailers have made significant use of point-of-sale (POS) systems, which are commodity information (such as item number, unit price, sales quantity) and transaction information (sales time) when selling goods through input devices. , sales shop, customer characteristics, payment methods, etc.) through the communication network and computer system to the relevant departments for analysis and judgment, in order to improve the efficiency of the system, is an indispensable tool for the modern retail industry. POS systems are also often linked to collection equipment or customer relationship management (CRM) tools, such as cash boxes, payment cards (including stored value cards, debit cards, credit cards) or coupons (red dividends) The card reading device of the coupon issuance verification; and when the payment is confirmed, the transaction voucher (such as the invoice, the stored value voucher and the debit memo) of the stored value voucher is issued to the payer.

However, in the course of each transaction, in order to check the validity of the payment card or CRM tool held by the payer, the POS system needs to connect to the management server through the network. This connection requirement will not only enable the merchant to deploy the POS system. The front door has a high threshold, and the requirements for the working space and the operation flow of the equipment are complicated. Therefore, the small business is less likely to introduce the POS system. In addition, for environments that require maneuver adjustment, for example, credit accounting services (stored value or credit) for familiar neighbours, delivery personnel to complete transaction collection with the buyer directly at the delivery location, and billing for the dining table. Payments for roadside vendors such as holiday markets and night markets will be limited by the deployment environment such as network and space. Therefore, it has also made it difficult for such merchants to adopt modern credit payment or mobile payment tools, and still use cash as the mainstay, let alone use CRM tools such as consumer dividends and electronic coupons as the price concession settlement and coupons at the time of transaction. The basis for the issuance or write-off. Therefore, in the transaction behavior, by providing modern payment tools and marketing programs to improve operational efficiency and build consumer loyalty, it has become an urgent need for small retailers.

Accordingly, it is an object of the present invention to provide a contactless offline transaction method that requires connection to a management server via a network during a transaction.

Therefore, the contactless offline transaction method of the present invention is implemented by a seller device and a buyer device, the seller device stores verification data including a plurality of verification codes, and the seller device is connected to the buyer device via a short-range wireless communication. In the case that the seller device and the buyer device are simultaneously offline, the settlement of the transaction amount and the payment of the payment can be performed, and the four tasks of issuing, verifying, writing off, and accepting the electronic transaction voucher are the same. The contact offline trading method includes the following steps:

(A) the seller device generates a payment slip including an amount of the payment, and transmits the payment statement to the buyer device via the short-range wireless communication;

(B) the buyer device calculates an actual payment amount based on the at least the payment bill, and generates a sales receipt certificate including the actual payment amount and a first authentication code, and transmits the sales receipt certificate via the short-range wireless communication Give the seller a device;

(C) after the seller device receives the sales vouchers, the seller device determines whether the first authentication code of the sales vouchers matches the verification codes of the verification materials;

(D) after the seller device determines that the first authentication code and the verification code of the verification data have a match, the seller device generates a closing certificate for confirming the completion of the transaction according to the sales account voucher, and via the short The wireless communication transmits the closing certificate to the buyer device.

Accordingly, it is another object of the present invention to provide a vendor device that is in need of a contactless offline transaction that is connected to a management server over a network while the transaction is in progress.

Therefore, the seller device of the present invention is used for non-contact offline transaction, and is connected to a buyer device via a short-range wireless communication, and includes a wireless communication unit for performing short-range wireless communication with a buyer device, and a storage. a storage unit including a plurality of verification codes, an input unit, and a processing unit electrically connected to the wireless communication unit, the storage unit, and the input unit.

After the processing unit receives an amount of the payment via the input unit, the processing unit generates a payment statement including the amount of the payment, and stores the payment statement to the storage unit, and the processing unit is further The wireless communication unit transmits the payment bill to the buyer device, and after the processing unit receives a sales account certificate from the buyer device including an actual payment amount and an authentication code via the wireless communication unit, the processing The unit determines whether there is a match between the authentication code and the verification code of the verification data, and the processing unit determines that the authentication code has a match with the verification code of the verification data, and the processing unit generates the verification certificate according to the accounting certificate. A confirmation of the closing of the transaction is confirmed, and the closing certificate is transmitted to the buyer device via the wireless communication unit.

Accordingly, it is still another object of the present invention to provide a buyer device that is in need of a contactless offline transaction that is connected to a management server via a network during a transaction.

Therefore, the buyer device of the present invention is used for non-contact offline transaction, and is connected to a seller device via a short-range wireless communication, and includes a wireless communication unit for performing the short-range wireless communication, and an authentication code. a storage unit, an input unit, and a processing unit electrically connected to the wireless communication unit, the storage unit, and the input unit.

Wherein, when the processing unit receives a request for payment from the seller device including an amount of the payment, the processing unit calculates an actual payment amount according to the at least the payment statement, and generates an actual payment amount and a sales account voucher of the authentication code, after the processing unit receives a transfer request via the input unit, the processing unit transmits the charge voucher to the seller device via the wireless communication unit, so that the seller device can determine the charge account Whether the authentication code of the voucher matches a plurality of verification codes pre-stored by the seller device, and after the seller device determines that the authentication code has a match with the verification code, the seller device generates the certificate according to the sales account voucher. A confirmation of the closing of the transaction to confirm the transaction.

The effect of the invention is that the buyer device and the seller device need not be connected to any management server during the transaction, and the payment bill and the transaction voucher can be exchanged via short-range wireless communication, so that not only the buyer device and the buyer device When the seller device is offline at the same time, the settlement deduction and payment of the transaction amount can also be performed, and the functions of issuing, verifying, writing off and receiving the electronic transaction voucher, the coupon and the account information of both parties can also be simultaneously performed. In addition, compared with the existing collection store operation tools, the seller device has the characteristics of being simple and portable, low-cost, low-power consumption, and free from networking in the transaction, and is easy to be made into a type that can withstand harsh environments. The efficacy and purpose of the invention.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to Figure 1, the seller device 1 and the buyer device 2 of the present invention are illustrated.

The seller device 1 includes a seller wireless communication unit 11, a seller storage unit 12, a seller input unit 13, a seller encryption decryption unit 14, and an electrical connection to the seller wireless communication unit 11, the seller storage unit 12, and the seller input. Unit 13 and vendor processing unit 15 of the seller encryption decryption unit 14. In this embodiment, the seller device 1 is, for example, a portable electronic device.

The seller wireless communication unit 11 is configured to perform short-range wireless communication with the buyer device 2, and the short-range wireless communication technology can adopt a radio communication technology supporting an ad-hoc mode, whereby the buyer A pair of peer-to-peer (p2p) network connections are immediately established between device 2 and vendor device 1, such as Near Field Communication (NFC), Bluetooth, Zigbee, Z-wave (Z- Wave), Ultra-wideband (UWB), Wi-Fi (operating in ad-hoc mode), etc. In addition to radio communication technology, this short-range wireless communication can also use other wireless communication technologies such as light wave, sound wave, electromagnetic induction, such as Free-space optical communication (FSO), ultrasonic communication, electromagnetic induction (Electromagneticinduction). Etc., free space optical communication such as Infrared Data Association (IRDA). In this embodiment, the short-range wireless communication is applied within 10 meters.

The seller storage unit 12 stores verification information including a plurality of verification codes and at least one seller discount ticket. Each seller discount ticket includes effectiveness information, and the effectiveness information may include a use period of the coupon, for settlement of the actual payment. The amount of the checkout at the time of the amount applies to the threshold of the eligibility of the threshold or the buyer's identity, whether it can be combined with other coupons, and the priority order when combined with other coupons.

The seller input unit 13 is, for example, a keyboard, a touch screen, an optical barcode scanner, an electromagnetic induction scanner, a radio wave scanner (such as RFID, NFC).

The buyer device 2 includes a buyer wireless communication unit 21, a buyer storage unit 22, a buyer input unit 23, a buyer encryption decryption unit 24, and an electrical connection with the buyer wireless communication unit 21, the buyer storage unit 22, and the buyer. The input unit 23 and the buyer processing unit 26 of the buyer encryption decryption unit 24.

The buyer wireless communication unit 21 is configured to perform the short-range wireless communication with the seller wireless communication unit 11 of the seller device 1.

The buyer storage unit 22 stores a first authentication code and account information associated with the buyer device 2. The first authentication code is, for example, a device identification code of the buyer device 2 or a transaction identification code of the buyer account. The account information includes a buyer discount ticket custodian account, a currency stored value account, and a bonus stored value account. The buyer discount ticket custodian account has at least one buyer discount ticket, and each buyer discount ticket includes effectiveness information, and the effectiveness information may include the use period of the coupon, and the buyer's identity qualification for settlement of the actual payment amount. Mark, whether it can be combined with other coupons, prioritization with other coupons, etc. The currency stored value account has a stored value balance, for example, a transaction price gold stored value account balance, the buyer can use a method such as cash or network allocation to store the value, the stored value balance can be zero or less Zero, the credit credit amount of the stored value balance is less than zero. The seller who holds the seller device 1 is opened by the buyer holding the buyer device 2, and is changed by the buyer when, for example, monthly payment or cash payment. The balance bonus method is used for replenishment. The bonus stored value account has a bonus point, which can be used as a deductible transaction price in the process of settlement of the actual payment amount. It should be noted that in other embodiments, the account information may include only one of the buyer discount ticket storage account, the currency stored value account, and the bonus value account, and the buyer storage unit 22 stores the account information. The first authentication code and the account information are issued and supervised by a third party unit, and are used by the buyer device 2 and the seller device 1 by other separately defined security control mechanisms. In still other embodiments, the buyer device 2 does not store the account information.

The buyer input unit 23 is, for example, a keyboard, a touch screen, or a scanner.

Referring to FIG. 1 and FIG. 2, a first embodiment of how the seller device 1 and the buyer device 2 implement the contactless offline transaction method of the present invention will be described. The contactless offline transaction method includes the following steps.

In step 301, the seller processing unit 15 generates a payment bill, the payment bill including an amount of payment, at least one payment instrument option, and at least one coupon option, and via the seller wireless communication unit 11 The payment slip is transmitted to the buyer wireless communication unit 21. In the first embodiment, the at least one payment instrument option may be, for example, a currency stored value account payment option, a bonus stored value account payment option, and a cash payment option. In other embodiments, the payment bill further includes the at least one seller discount ticket, the at least one seller coupon is available for use by the buyer device 2 as a buyer coupon in the transaction, or stored in the transaction. The buyer storage unit 22 is reserved for use by other transactions. In still another embodiment, the claim form does not include the at least one coupon option.

In step 302, the buyer processing unit 26 calculates an actual payment amount based on the claim bill and one of the at least one buyer discount coupons stored in the buyer storage unit 22, wherein the actual payment amount is The payment amount minus the discount amount indicated by the selected buyer discount ticket, the buyer processing unit 26 generates a sales account certificate encrypted by the buyer encryption decryption unit 24, the sales account voucher including the actual payment amount, One of the first authentication code, the account information, an authorized debit instruction, the at least one coupon option, the selected buyer coupon, and the at least one payment instrument option, and The buyer wireless communication unit 21 transmits the sales receipt certificate to the seller wireless communication unit 11. In other embodiments, when the claim bill includes a plurality of coupon coupon options and the buyer coupon ticket custodian has a plurality of buyer coupons, the billing vouchers may include a plurality of coupon coupon options and The buyer's coupon is selected by the buyer. In still another embodiment, the coupon option in the payment statement indicates that the prohibition of using the coupon and payment instrument option indicates that the use of the bonus value account is prohibited, the sales receipt certificate will not include the buyer discount ticket The effectiveness information of the voucher, the actual payment amount is equal to the amount of the requisition. In other embodiments in which the buyer device 2 does not store the account information, the account voucher does not include the account information, and the payment instrument option is a cash payment option. It should be noted that in other embodiments in which the payment bill includes a plurality of payment instrument options, the sales receipt voucher may include a plurality of payment instrument options, that is, the buyer device 2 can simultaneously access the currency stored value account, Bonus stored value account and cash payment.

In step 303, when the seller processing unit 15 receives the encrypted sales receipt voucher via the seller wireless communication unit 11, the seller encryption decryption unit 14 decrypts the sales receipt voucher, and the seller processing unit 15 determines the decrypted The first authentication code of the sales account voucher matches the verification code of the verification data. When the seller processing unit 15 determines that the decrypted authentication code of the sales account voucher does not match the verification code of the verification data, the flow proceeds to step 304. When the seller processing unit 15 determines that the decrypted authentication code of the sales account has a match with the verification code of the verification data, the flow proceeds to step 305.

In step 304, the seller processing unit 15 generates an authentication failure message and transmits the authentication failure message to the buyer wireless communication unit 21 via the seller wireless communication unit 11.

In step 305, the seller processing unit 15 determines whether the selected buyer discount ticket has validity based on the effectiveness information of the selected buyer discount ticket. When the seller processing unit 15 determines that the selected buyer discount ticket of the sales account voucher has no effect, the flow proceeds to step 306. When the seller processing unit 15 determines that the selected buyer discount ticket of the sales receipt voucher has validity, the flow proceeds to step 307. It should be noted that in other embodiments in which the account voucher includes a plurality of buyer discount coupons, the seller processing unit 15 determines the coupons based on the effectiveness information of the selected buyer coupons. Whether the voucher is effective or not, when the seller processing unit 15 determines that one of the buyer concession coupons of the sales voucher is not valid, the flow proceeds to step 306. When the seller processing unit 15 determines that all of the buyer discount coupons of the charge slip voucher are all valid, the flow proceeds to step 307. It is to be noted that in the first embodiment, step 305 is performed after step 303, but in other embodiments, step 305 may be performed prior to step 303. In still other embodiments, steps 303, 305 can be performed simultaneously.

In step 306, the seller processing unit 15 generates the authentication failure message, and transmits the authentication failure message to the buyer wireless communication unit 21 via the seller wireless communication unit 11.

In step 307, the seller processing unit 15 deducts the charge according to the authorized charge instruction and the payment tool option in the charge voucher, for example, when the payment instrument option is a currency stored value account payment option, the seller processing unit 15 debiting the designated currency stored value account, and updating the stored value balance of the currency stored value account, and the seller processing unit 15 generates a confirmation confirmation completion transaction according to the sales account voucher and includes the updated a closing certificate of the stored value balance of the currency stored value account, the closing account voucher including the updated currency stored value account of the account information, and the effectiveness information of the selected buyer discount ticket, and wireless communication via the seller Unit 11 transmits the closing voucher to the buyer wireless communication unit 21. It should be noted that in other embodiments in which the sales vouchers include a plurality of payment instrument options, the seller processing unit 15 exemplifies the debit payment according to the authorization deduction instruction and the payment tool options in the sales vouchers. Say, these payment tool options. It should be noted that in other embodiments, the closing certificate further includes a second authentication code, the second authentication code is generated by the vendor processing unit 15 by a specific algorithm dynamic, and the specific algorithm can be necessary The mode is updated, and the second authentication code is generated periodically or in accordance with the necessity or the necessity to initiate the activation. For example, the vendor processing unit 15 confirms that the first authentication code storage date of the buyer device 2 is, for example, half a year. In the past, when the seller processing unit 15 generates the second authentication code, or the seller processing unit 15 confirms that the number of transactions of the buyer device 2 is, for example, 100 times, the seller processing unit 15 generates the second authentication code. In still another embodiment, the closing voucher further includes an electronic invoice issued by the tax unit. In still another embodiment, the closing certificate further includes a bonus point issued according to the current consumption record. In still another embodiment, the closing voucher further includes the at least one seller coupon.

In step 308, when the buyer processing unit 26 receives the closing voucher via the buyer wireless communication unit 21, the buyer processing unit 26 updates the currency stored value account stored by the buyer storage unit 22 according to the closing voucher. The stored value balance and the effectiveness information of the selected buyer discount coupon. In other embodiments in which the closing voucher further includes the second authentication code, the buyer processing unit 26 updates the first authentication code to the second authentication code. In other embodiments in which the closing voucher further includes at least one vendor discount voucher, the buyer device 2 converts the vendor concession coupons into buyer concession coupons and stores them in the buyer storage unit 22.

In step 309, after step 308, the seller processing unit 15 transmits the closing certificate to the at least one storage device (not shown) via the seller wireless communication unit 11. In the first embodiment, each storage device is, for example, a servo mechanism or another seller device for backing up or synchronizing the closing voucher to facilitate unified billing by the seller.

It is to be noted that, in other embodiments in which the buyer device 2 does not store the account information, in step 307, the closing certificate generated by the seller device 1 according to the sales account voucher does not include the updated account information. And in step 308, the buyer processing unit 26 stores the closing voucher in the buyer storage unit 22.

Referring to Figures 1 and 3, a second embodiment of how the seller device 1 and the buyer device 2 implement the contactless offline transaction method of the present invention will be described.

In step 401, the buyer processing unit 26 transmits the first authentication code encrypted via the buyer encryption decryption unit 24 to the seller wireless communication unit 11 via the buyer wireless communication unit 21.

In step 402, when the seller processing unit 15 receives the authentication code via the seller wireless communication unit 11, the seller encryption decryption unit 14 decrypts the encrypted first authentication code, and determines the decrypted first authentication code and Whether there is a match between the verification codes of the verification data. When the seller processing unit 15 determines that there is a match between the decrypted encrypted authentication code and the verification code of the verification material, the flow proceeds to step 403. When the seller processing unit 15 determines that the decrypted encrypted authentication code does not match the verification code of the verification data, the flow proceeds to step 404.

In step 403, the seller processing unit 15 generates a payment bill, the payment bill including an amount of payment, at least one payment instrument option, and at least one coupon option, and via the seller wireless communication unit 11 The payment slip is transmitted to the buyer wireless communication unit 21.

In step 404, the seller processing unit 15 generates an authentication failure message and transmits the authentication failure message to the buyer wireless communication unit 21 via the seller wireless communication unit 11.

In step 405, the buyer processing unit 26 calculates an actual payment amount based on the claim bill and one of the at least one buyer discount ticket stored in the buyer storage unit 22, wherein the actual payment amount is The claim amount is subtracted from the discount amount indicated by the buyer coupon, and the buyer processing unit 26 generates a sales account voucher including one of the actual payment amount and the at least one coupon option. The account information, an authorized debit instruction, the selected buyer discount ticket, and the at least one payment instrument option, and transmitting the sales voucher to the seller wireless communication unit 11 via the buyer wireless communication unit 21 .

In step 406, the seller processing unit 15 determines whether the selected buyer discount ticket has validity based on the effectiveness information of the selected buyer discount ticket. When the seller processing unit 15 determines that the selected buyer discount ticket of the sales account voucher has validity, the flow proceeds to step 407. When the seller processing unit 15 determines that the selected buyer discount ticket of the sales receipt voucher has validity, the flow proceeds to step 408.

In step 407, the seller processing unit 15 generates the authentication failure message, and transmits the authentication failure message to the buyer wireless communication unit 21 via the seller wireless communication unit 11.

In step 408, the seller processing unit 15 deducts the charge according to the authorized charge instruction and the payment tool option in the charge voucher, for example, when the payment instrument option is the currency stored value account, the seller processing unit 15 Debiting the designated currency stored value account, and updating the stored value balance of the currency stored value account, and the seller processing unit 15 generates a confirmation to complete the transaction according to the sales account voucher and includes the updated a closing voucher of the currency stored value account of the account information, the closing voucher including the updated currency stored value account of the account information, and the effectiveness information of the selected buyer concession ticket, and via the seller wireless communication unit 11 The closing voucher is transmitted to the buyer wireless communication unit 21.

In step 409, when the buyer processing unit 26 receives the closing voucher via the buyer wireless communication unit 21, the buyer processing unit 26 updates the currency stored value account stored by the buyer storage unit 22 according to the closing voucher. The stored value balance and the effectiveness information of the selected buyer discount coupon.

In step 410, after step 409, the seller processing unit 15 transmits the closing voucher to the at least one storage device (not shown) via the seller wireless communication unit 11.

In summary, the contactless offline transaction method of the present invention, the seller device 1 transmits the payment bill to the buyer device 2 via the short-range wireless communication, and receives the buyer from the buyer via the short-range wireless communication. When the account voucher of the device 2 is issued, the seller device 1 generates the closing voucher according to the sales account voucher, and transmits the closing voucher to the buyer device 2 via the short-range wireless communication, without connecting the network and the far When the end management server is connected, the transaction is completed with the buyer device 2. In addition, the seller device 1 has the characteristics of being simple and portable, low cost, low power consumption, and free of internet connection in the transaction compared with the existing POS system. Moreover, it is easy to produce a type that can withstand harsh environments, and it is indeed possible to achieve the object of the present invention.

However, the above is only the embodiment of the present invention, and the scope of the invention is not limited thereto, and all the equivalent equivalent changes and modifications according to the scope of the patent application and the patent specification of the present invention are still The scope of the invention is covered.

1‧‧‧Seller installation

21‧‧‧Buyer wireless communication unit

11‧‧‧Seller wireless communication unit

22‧‧‧ Buyer storage unit

12‧‧‧Seller storage unit

23‧‧‧ Buyer input unit

13‧‧‧Seller input unit

24‧‧‧Buyer Encryption and Decryption Unit

14‧‧‧Seller encryption and decryption unit

26‧‧‧ Buyer Processing Unit

15‧‧‧Seller Processing Unit

301~310‧‧‧Steps

2‧‧‧ buyer's device

401~411‧‧‧Steps

Other features and advantages of the present invention will be apparent from the embodiments of the present invention, wherein: Figure 1 is a system block diagram illustrating an embodiment of the present invention and the buyer device; Figure 2 is a flow The figure illustrates a first embodiment of the contactless offline transaction method of the present invention; and FIG. 3 is a flow chart illustrating a second embodiment of the contactless offline transaction method of the present invention.

Claims (16)

A contactless offline transaction method is implemented by a seller device and a buyer device, the seller device stores verification data including a plurality of verification codes, and the seller device is connected to the buyer device via a short-range wireless communication for In the case that the seller device and the buyer device are offline at the same time, the settlement of the transaction amount and the payment of the payment are performed, and the four tasks of issuing, verifying, writing off, and accepting the electronic transaction voucher are performed, and the buyer device stores At least one buyer discount ticket, each buyer discount ticket includes effectiveness information, and the contactless offline transaction method includes the following steps: (A) the seller device generates a bill including a request amount, and via the short The wireless communication transmits the payment bill to the buyer device; (B) the buyer device calculates an actual payment amount based on at least one of the payment statement and the at least one buyer discount ticket, and generates one Include the actual payment amount, a first authentication code, and the accountant's sales account voucher, and transmit the sales account voucher via the short-range wireless communication to the The party device, wherein the actual payment amount is the sum of the claim amount minus the discount amount indicated by the selected person; (C) after the seller device receives the sales account voucher, the seller device determines the sales account voucher Whether the first authentication code and the verification code of the verification data have a match, and determining whether the selected one has validity according to the validity information of the selected user; and (D) the seller device determines that the first authentication code has a match with the verification code of the verification data, and after the selected person has the validity, the seller device generates a confirmation to complete the transaction according to the sales account certificate. Closing the voucher and transmitting the closing voucher to the buyer device via the short-range wireless communication. The contactless offline transaction method of claim 1, wherein the actual payment amount of the sales receipt voucher in the step (B) is equal to the payment amount of the payment statement in the step (A). The non-contact offline transaction method of claim 1, the seller device further storing at least one seller discount ticket, each seller coupon including effectiveness information, wherein in step (A), the payment bill Also included is the at least one seller discount coupon. The non-contact offline transaction method of claim 1, the seller device further storing at least one seller discount ticket, each seller coupon including effectiveness information, wherein in step (D), the closing certificate is further The at least one seller discount ticket is included. The non-contact offline transaction method of claim 1, wherein in the step (A), the payment bill further includes at least one payment instrument option, and in the step (B), the buyer device further according to the at least A payment instrument option generates the sales vouchers, the vouchers further including one of the at least one payment instrument options. The non-contact offline transaction method of claim 5, wherein the buyer device further stores account information related to the buyer device, the account information including a buyer discount ticket custodian account, a currency stored value account, and a bonus stored value account. In one step, in the step (A), the at least one payment instrument option is related to the account information, and in the step (B), the sales account voucher further includes the account information, and an authorization deduction instruction, in the step (D) The seller device updates the account information of the sales account voucher according to the authorization debit instruction, and the closing voucher further includes the updated account information, so that the buyer device updates the stored account according to the closing voucher Account information. The contactless offline transaction method of claim 6, wherein the stored value balance of the currency stored value account has a credit credit limit. The non-contact offline transaction method of claim 1, wherein in step (D), the closing voucher further comprises a second authentication code for updating one of the buyer devices. The contactless offline transaction method of claim 1, further comprising a step after the step (D): (E) the seller device transmits the closing certificate to the at least one storage device via the short-range wireless communication. A seller device for performing a contactless offline transaction and connecting to a buyer device via a short-range wireless communication, the seller device comprising: a wireless communication unit for performing the short-range wireless communication; a storage unit for storing verification data including a plurality of verification codes; an input unit; and a processing unit electrically connecting the wireless communication unit, the storage unit, and the input a unit; wherein, after the processing unit receives an amount of the payment via the input unit, the processing unit generates a payment statement including the amount of the payment, and stores the payment statement to the storage unit, the processing unit And transmitting, by the wireless communication unit, the payment bill to the buyer device, where the processing unit receives, from the wireless communication unit, an actual payment amount, an authentication code, and an selected buyer discount. After the purchase certificate of the ticket, the selected purchase coupon includes the effectiveness information, and the actual payment amount is the total amount of the discount minus the discount amount indicated by the selected buyer coupon, and the processing unit determines Whether the authentication code and the verification code of the verification data have a match, and according to the effectiveness information of the selected buyer discount ticket Whether the selected buyer coupon has validity, the processing unit determines that the authentication code has a match with the verification code of the verification data, and the processing unit has the validity after the selected buyer discount ticket has validity The sales receipt certificate generates a confirmation of the completion of the transaction And the billing certificate is transmitted to the buyer device via the wireless communication unit. The seller device of claim 10, wherein the actual payment amount is the amount of the payment. The seller device of claim 10, wherein the storage unit further stores at least one seller discount ticket, each seller coupon includes effectiveness information, and the payment bill further includes the at least one seller coupon. The seller device of claim 10, wherein the storage unit further stores at least one seller discount ticket, each seller coupon includes effectiveness information, and the closing certificate further includes the at least one seller coupon. The seller device of claim 10, wherein the payment slip further includes at least one payment instrument option, the sales receipt certificate further comprising one of the at least one payment instrument option. a buyer device for performing a contactless offline transaction and connected to a seller device via a short-range wireless communication, the buyer device comprising: a wireless communication unit for performing the short-range wireless communication; a storage unit, storing An authentication code and at least one buyer discount ticket; an input unit; a processing unit electrically connecting the wireless communication unit, the storage unit, and the input unit; Wherein, when the processing unit receives a request for payment from the seller device including an amount of the payment, the processing unit is calculated by the user according to at least one of the payment statement and the at least one buyer discount ticket. Actually paying the amount, and generating a sales receipt certificate including the actual payment amount and an authentication code, wherein the actual payment amount is the total amount of the payment minus the amount of the preferential amount indicated by the selected person, and the processing unit is After the input unit receives a transfer request, the processing unit transmits the charge certificate to the seller device via the wireless communication unit, so that the seller device can determine that the authentication code of the charge certificate is pre-stored with the seller device. Whether there is a match in the verification code, and determining whether the selected buyer discount ticket has validity according to the validity information of the selected buyer discount ticket, and the seller device determines that the authentication code has a match with the verification code And after the selected buyer discount ticket has the validity, the seller device generates a closing certificate for confirming the completed transaction according to the sales account voucher The buyer device of claim 15, wherein the storage unit further stores account information related to the buyer device, the account information including one of a buyer discount ticket storage account, a currency stored value account, and a bonus stored value account. The account opening voucher further includes the account information, and the closing voucher further includes the updated account information certificate to the buyer device.