Patent attributes
An authentication factor is received, including an authentication key, an account information of a user, and a dynamic time factor. A bound authentication information is generated by using the authentication factor and a device information of a client device that requested the secure offline payment. The bound authentication information is transmitted to a service server system perform an offline payment authorization based on the bound authentication information. In response to a successful offline payment authorization, a graphical identifier is generated for completing the secure offline payment associated with the authentication factor, where the graphical identifier includes the bound authentication information and a dynamic password generated based on the dynamic time factor.
