CA2987800A1 - Payment system based on shared funds-management server, and method, device and server therefor - Google Patents
Payment system based on shared funds-management server, and method, device and server thereforInfo
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- CA2987800A1 CA2987800A1 CA2987800A CA2987800A CA2987800A1 CA 2987800 A1 CA2987800 A1 CA 2987800A1 CA 2987800 A CA2987800 A CA 2987800A CA 2987800 A CA2987800 A CA 2987800A CA 2987800 A1 CA2987800 A1 CA 2987800A1
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- 238000000034 method Methods 0.000 title claims abstract description 48
- 230000008014 freezing Effects 0.000 claims abstract description 15
- 238000007710 freezing Methods 0.000 claims abstract description 15
- 238000012545 processing Methods 0.000 claims description 14
- 230000001360 synchronised effect Effects 0.000 claims description 5
- 238000007726 management method Methods 0.000 description 139
- 230000005540 biological transmission Effects 0.000 description 6
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- 230000000694 effects Effects 0.000 description 5
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- 238000012546 transfer Methods 0.000 description 5
- 238000010586 diagram Methods 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 3
- 238000012544 monitoring process Methods 0.000 description 3
- 230000009711 regulatory function Effects 0.000 description 2
- 230000001276 controlling effect Effects 0.000 description 1
- 230000009977 dual effect Effects 0.000 description 1
- 230000007246 mechanism Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000008520 organization Effects 0.000 description 1
- 230000001105 regulatory effect Effects 0.000 description 1
- 238000012954 risk control Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
Disclosed are a payment system based on a shared funds-management server, and a method, device and server therefor, belonging to the field of e-commerce. The method comprises: a funds-management server receiving payment request information sent by a client end; comparing a client end funds balance or credit overdraft limit or credit loan limit with a payment amount to determine whether an electronic commitment payment certificate can be created; if yes, the funds-management server freezing the funds balance within the client end account, the funds balance corresponding to the payment amount; generating the electronic commitment payment certificate for the funds-management server to commit to pay funds according to an agreed condition, and sending the electronic commitment payment certificate to a merchant end to make a credit commitment payment on behalf of the client end, and synchronising to an information centre server. Using the technical solution of the present invention to supervise both parties in a transaction reduces financial risk, and ensures the interests of both parties in the transaction.
Description
Title: PAYMENT SYSTEM BASED ON SHARED FUNDS-MANAGEMENT SERVER, AND
METHOD, DEVICE AND SERVER THEREFOR
[1] [Technical Field]
METHOD, DEVICE AND SERVER THEREFOR
[1] [Technical Field]
[2] This invention refers to e-commerce field, especially, it is a cross-capital server-based payment system and its payment method, device and server.
[3] [Background Technology]
[4] E-commerce has become increasingly widely used in a variety of commercial trade activities, the so-called e-commerce is a business operation model that based on the browser and server applications helps consumer realize online shopping, online transactions between merchants and online electronic payments, as well as a variety of business activities, trading activities, financial activities and related integrated service activities in the commercial trade, and in the Internet open network environment.
[5] At present, many banks or enterprises have provided a network of payment services, allowing customers to operate computers, mobile phones and other terminal equipment to achieve network payment, the way of the network payment provides customers with a great convenience. But in the process of network payment, the payment is conducted by directly using the existing funds in the debit cards or credit card, or allocating the credit limit of the existing funds or credit card to the third party as a guarantee for the transaction. once the merchant does not provide goods or service, or disputes occur. the financial security is difficult to be guaranteed. Thus, the need for new payment systems. methods, devices and servers at this stage to reduce the risk of user funds and to protect the interests of buyers and sellers.
[6] Summary of the invention
[7] In view of the above, the technical problem to be solved by the present invention is to provide a payment system, and its payment method, device and server based on the same Funds-Management server-based server to reduce the risk of user funds, and to protect the interests of buyers and sellers.
[8] The technical solution of the present invention to solve the above-mentioned technical problems is as follows:
[9] A payment system based on the same Funds-Management server. comprising at least one client, at least one merchant, an information centre server and a Funds-Management server, connected with the client, the merchant and the information centre server connection respectively, where:
[10] The above-mentioned merchant is to send payment request information including at least a payment amount to the Funds-Management server;
[11] The merchant is used for receiving an electronic commitment payment certificate sent by the Funds-Management server;
[12] The method comprises: a funds-management server receiving payment request information sent by a merchant; comparing a merchant funds balance or credit overdraft limit or credit loan limit with a payment amount to determine whether an electronic commitment payment certificate can be created; if yes, the funds-management server freezing the funds balance within the merchant account, the funds balance corresponding to the payment amount;
generating the electronic commitment payment certificate for the funds-management server to commit to pay funds according to an agreed condition, and sending the electronic commitment payment certificate to a merchant to make a credit commitment payment on behalf of the merchant, and synchronising to an information centre server.
generating the electronic commitment payment certificate for the funds-management server to commit to pay funds according to an agreed condition, and sending the electronic commitment payment certificate to a merchant to make a credit commitment payment on behalf of the merchant, and synchronising to an information centre server.
[13] The information centre server for storing and supervising the electronic commitment payment certificate information.
[14] According to another aspect of this invention, there is a network payment method based on the same Funds-Management servers, and the method is comprised by following steps:
[15] The Funds-Management server receives the payment request information sent by the merchant, wherein the payment request information includes at least the payment amount;
[16] Comparing the merchant fund balance and the payment amount to determine whether or not an electronic commitment payment certificate can be generated to make a credit commitment payment;
[17] If possible, the Funds-Management server freezing the funds corresponding to the payment amount in the merchant account; generating an electronic commitment payment certificate promised by the Funds-Management server to disburse the funds according to the agreed condition. The electronic commitment payment certificate information is sent to the merchant for credit commitment payment for the merchant, and the electronic commitment payment certificate shall be synchronized to the information centre server.
[18] If the client account funds balance is less than the amount of payment, the comparison of the client account credit overdraft amount and payment amount shall be made to determine whether to generate electronic commitment payment amount to be paid; further, if the client account credit overdraft amount is less than the amount of payment, it is required to compare the client account credit loan limit and the payment amount to determine whether or not the electronic commitment payment certificate can be paid.
[19] If the client account balance is less than the amount of payment, then compare the client account credit loan limit and the amount of payment to determine whether to generate electronic commitment payment certificate to be paid; further, if the client account credit loan limit is less than the amount of payment, It compares the client account credit overdraft amount and the amount of payment to determine whether to generate electronic commitment payment certificate to be paid.
[20] According to another aspect of the present invention, there is provided a payment device based on the same Funds-Management server, the device comprises a receiving module, a judging module and a processing module.
[21] The receiving module is configured to receive payment request information transmitted by the merchant, wherein the payment request information includes the payment amount;
[22] The judgement module configured to determine whether or not to allow payment based on the merchant account fund balance and the payment amount;
[23] The processing module is configured to freeze the said payment amount corresponded funds or credit overdraft limit or credit loan limit within the merchant account when payment is set as allowable, generate an electronic commitment payment certificate, and transmit the electronic commitment payment certificate information to the merchant, and synchronized to the information centre server.
[24] A server based on the capital server, said server comprising a payment device according to any one of above claim.
[25] The present invention provides a payment system based on the same Funds-Management server and its method, device and server, supervises the information of the buyers and sellers through the Funds-Management server and the information centre server, and the regulatory function is merged into the bank or other institutions with payment ability;
meanwhile, freezes the merchant account funds balance, generates electronic payment certificates and synchronize the information centre server for real-time monitoring, reduces the risk of funds to protect the interests of the buyers and the sellers; this program makes full use of the risk control centre function of the credit centre of the Funds-Management server and the information centre server, facilitates the security of on-line transactions and guarantees transaction funds with a more optimized credit mechanism, provides credit media for both parties to the transaction, and reduces the risk of funds through the supervision of funds to protect the interests of both parties. In addition, it brings convenience to the customer by adding loan functions, which also enriches businesses of banks or other institutions with credit payment ability.
meanwhile, freezes the merchant account funds balance, generates electronic payment certificates and synchronize the information centre server for real-time monitoring, reduces the risk of funds to protect the interests of the buyers and the sellers; this program makes full use of the risk control centre function of the credit centre of the Funds-Management server and the information centre server, facilitates the security of on-line transactions and guarantees transaction funds with a more optimized credit mechanism, provides credit media for both parties to the transaction, and reduces the risk of funds through the supervision of funds to protect the interests of both parties. In addition, it brings convenience to the customer by adding loan functions, which also enriches businesses of banks or other institutions with credit payment ability.
[26] [Brief Description]
[27] Figure 1 is a schematic diagram of the payment system based on the same Funds-Management server provided by Example 1 of the present invention;
[28] Figure 2 is a flow chart of the payment method based on the same Funds-Management server provided by Example 2 of the present invention;
[29] Figure 3 is a flow chart of the payment method based on the same Funds-Management server provided by Example 3 of the present invention;
[30] Figure 4 is a flow chart of the payment method based on the same Funds-Management server provided by Example 4 of the present invention;
[31] Figure 5 is a flow chart of the payment method based on the same Funds-Management server provided by Example 5 of the present invention;
[32] Figure 6 is a flow chart of the payment method based on the same Funds-Management server provided by Example 6 of the present invention;
[33] Figure 7 is a block diagram of a payment device based on the same Funds-Management server provided by Example 7 of the present invention;
[34] Figure 8 is a block diagram of a payment system based on the same Funds-Management server provided in the Example 8 of the present invention.
[35] [Description of the Preferred Embodiments]
[36] The present invention will be described in further detail with reference to the accompanying drawings and the accompanying example, in which the technical problems, technical solutions and advantages to be solved by the present invention will become more apparent. It is to be understood that the specific examples described herein are merely illustrative of the invention and are not intended to limit the invention.
[37] Example 1
[38] As shown in Figure 1, an example of the present invention provides a payment system based on the same Funds-Management server, which includes at least one merchant 10, at least one merchant 20, an information centre server 40, and a Funds-Management server 30, the Funds-Management server 30 is connected to the merchant 10, the merchant 20 and the information centre server 40, respectively,
[39] The merchant 10 is configured to transmit the payment request information to the Funds-Management server 30, wherein the payment request information includes the payment amount.
[40] Specifically, the merchant 10 is suitable for the payer (buyer), including the account information of mobile phone, personal computer, PAD, and other intelligent devices, the account information of the merchant 10 is filled in when the customer registers and stored in the database of the fund management service and (or) the information centre server, the account information of the merchant 10 includes customer ID, an account opening bank, account name, a bank account number, and a credit balance, and may also include the customer's shipping address. The payment request information is information such as the written and confirmed price (payment amount), the receipt address and the like after the customer purchases the specific goods / services. According to the pre-set rules, price of the goods/services, and commercial tenants of the goods/services, the merchant generates data package; the packet will be transmitted to the Funds-Management server 30.
The payment request information includes at least the payment amount, and may include the merchant information and the merchandise information. Among them, the merchant information can be directly merchants' receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server 30 based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant 20 should be kept confidential with respect to the merchant 10, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the merchant 10 only needs to inform the Funds-Management server 30 which merchant's which goods need to be paid how much money, then the Funds-Management server 30 will be able to call out the merchant account to implement the appropriate payment operation.
The payment request information includes at least the payment amount, and may include the merchant information and the merchandise information. Among them, the merchant information can be directly merchants' receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server 30 based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant 20 should be kept confidential with respect to the merchant 10, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the merchant 10 only needs to inform the Funds-Management server 30 which merchant's which goods need to be paid how much money, then the Funds-Management server 30 will be able to call out the merchant account to implement the appropriate payment operation.
[41] The merchant 20 is connected to the Funds-Management server 30 for receiving the electronic commitment payment certificate sent by the Funds-Management server 30.
[42] Specifically, the merchant 20 is applied to the receiving party (seller), and the merchant includes but not limited to devices such as servers, POS machines and other devices.
Merchants include but not limited to manufacturers, agents, logistics companies, etc. The merchant information is also registered in the database of the Funds-Management server and (or) the information centre server, and the merchant information includes, but not limited to merchant ID, merchant name, merchant opening bank, merchant account name, and merchant bank account number.
Merchants include but not limited to manufacturers, agents, logistics companies, etc. The merchant information is also registered in the database of the Funds-Management server and (or) the information centre server, and the merchant information includes, but not limited to merchant ID, merchant name, merchant opening bank, merchant account name, and merchant bank account number.
[43] The Funds-Management server 30 receives the payment request information sent from the merchant 10, determines whether or not the payment is allowed based on the credit overdraft limit, the fund balance, the credit loan limit and the payment amount of the merchant 10; if the payment is allowed, the credit limit or funds corresponding to the merchant account and payment amount shall be freeze, an electronic commitment payment certificate which is promised to pay the funds by the Funds-Management server in accordance with the agreed condition will be generated, the electronic commitment payment certificate information shall be sent to the merchant 20, and synchronize it to the information centre server 40.
[44] Specifically, the Funds-Management server 30 receives the packet of the payment request information and parses it according to the pre-set rule to obtain the relevant payment information including, but not limited to, the merchant information, the merchandise information, and the payment amount, and the like information, which merchant to which the goods to pay the amount of money.
[45] The information centre server 40 is connected to the Funds-Management server 30 for storing the electronic commitment payment certificate information of the merchant 10 and the merchant 20.
[46] Specifically, both the merchant 10 and the merchant 20 can obtain the electronic commitment payment certificate information to the information centre server 40 via the Internet for subsequent processing, such as the correctness of the dual channel authentication information using the data. The Funds-Management server 30 may further determine whether or not the payment operation is made in accordance with the state of the electronic commitment to pay the credential information, that is, the request payment is only the freezing of the funds, and the payment operation is confirmed after the receipt is confirmed.
[47] In the present example, the same Funds-Management server 30 may be connected to the plurality of client 10 and the plurality of merchant 20 through the Internet at the same time.
That is, the server where the merchant 20 account is located and the server where the merchant 10 resides are the same Funds-Management server 30. The Funds-Management server 30 can be a single or multiple servers in a physical sense, e.g., they can work in parallel, and the resources of the server are automatically allocated to realize the fund management according to the different traffic. The Funds-Management server includes but not limited to servers in organizations such as banks, and businesses. In practical applications, it can be seen as the same bank's cluster Funds-Management server, but it not limited to banks, it also supports the flow of funds in other institutions in the Internet or other institutions with payment ability, that is the so called the third party institution.
Through the Funds-Management server and information centre server, the seller and seller of information are regulated, and the regulatory functions are merged into the bank or other institutions with credit ability to pay.
That is, the server where the merchant 20 account is located and the server where the merchant 10 resides are the same Funds-Management server 30. The Funds-Management server 30 can be a single or multiple servers in a physical sense, e.g., they can work in parallel, and the resources of the server are automatically allocated to realize the fund management according to the different traffic. The Funds-Management server includes but not limited to servers in organizations such as banks, and businesses. In practical applications, it can be seen as the same bank's cluster Funds-Management server, but it not limited to banks, it also supports the flow of funds in other institutions in the Internet or other institutions with payment ability, that is the so called the third party institution.
Through the Funds-Management server and information centre server, the seller and seller of information are regulated, and the regulatory functions are merged into the bank or other institutions with credit ability to pay.
[48] Example 2
[49] As shown in Figure 2, an example of the present invention provides a payment method based on the same Funds-Management servers for use in a Funds-Management server, which is comprised of the steps as follows:
[50] S101, the Funds-Management server receives the payment request information sent by the merchant, wherein the payment request information includes at least the payment amount;
[511 Specifically, the payment request information received by the Funds-Management server includes merchant information, product information and payment amount, and may include merchant information (e.g., client ID). Among them, the merchant information can be directly merchants receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant should be kept confidential with respect to the merchant, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the merchant only need to inform the Funds-Management server to which merchant and which goods to pay the amount of funds, the Funds-Management server will be able to call out the account of the implementation of the corresponding payment operation.
[52] S102, compare the balance of the merchant account and the payment amount to determine whether to generate electronic commitment payment certificate to be paid; if so, then allow the payment; otherwise terminate the payment.
[53] This step further includes: the Funds-Management server from the database query client account balance; determine whether the balance of funds is greater than or equal to the amount of payment, if so, then allow the payment; otherwise terminate the payment.
Wherein the bank account of the merchant can be informed to the Funds-Management server by the merchant in the payment request, or can be queried from the database according to the merchant ID by the Funds-Management server. Only in the merchant account of the funds balance or credit limit greater than or equal to the payment amount, it means that customers have the ability to pay behaviour, this time to allow payment behaviour. Priority to pay the balance of the account funds, you can save the payment cycle to protect the interests of the merchant.
[54] The S103, the Funds-Management server freezes the funds corresponding to the payment amount in the merchant account.
[55] Specifically, when the balance of the account funds is sufficient to cover, the funds in the bank account are frozen. This step only to freeze the payment amount or credit limit to ensure that there is sufficient funds to complete the transaction, but not directly transfer to the merchant account, so to ensure the interests of the buyers and the sellers, followed by the merchant, the merchant or logistics company to send the payment information to confirm the delivery is completed by the Funds-Management server to receive the payment of information, the re-blocked funds will be allocated to the merchant account.
[56] The S104, the Funds-Management server generates an electronic commitment payment the certificate;
[57] Specifically, since the payment request information is sent by the buyer to the Funds-Management server through the merchant operation, the payment information is objectively confirmed by the customer and authorized by the bank. The Funds-Management server freezes the corresponding funds or credit loan limit and generates electronic promises payment certificates based on the payment information. The electronic commitment payment certificate information includes but not limited to commodity information, payment amount (frozen funds), delivery address and expiry date, Text, pictures, graphics and so on. The electronic certificate is the certificate of the receiving end of the merchant, and the merchant provides the corresponding goods /
service according to the electronic commitment payment certificate.
[58] The S105, the electronic commitment payment certificate issued to the client for the client to undertake credit commitments and synchronization to the information centre server.
[59] Specifically, this step sends the generated electronic certificate information to the information centre server so that the information centre server performs subsequent tracking.
[60] The payment method provided by the example of the present invention receives the payment request information of the merchant through the same Funds-Management server, determines whether or not the payment is permitted based on the buyer's account funds balance; meanwhile, by freezing the merchant account payment amount, and generating electronic commitment payment certificate, which can reduce the risk of funds and protect the interests of the buyers and the sellers.
[61] The S106 and the Funds-Management server receives the payment information;
[62] The Funds-Management server receives and determines whether the payment information meets the agreed payment policy.
[63] The S107 and the Funds-Management server judges that the payment information is synchronized to the information centre server.
[64] S108, if the payment of information in line with the agreed payment of funds conditions, the Funds-Management server will be allocated to the account business account.
[65] S113, end the process.
[66] Example 3 [67] As shown in Figure 3, an example of the present invention provides a payment method based on the same Funds-Management servers for use in a Funds-Management server, which is comprised of the steps as follows:
[68] S201, the Funds-Management server 30 receives the payment request information sent by the client, and the payment request information includes the payment amount.
[69] Specifically, the payment request information received by the Funds-Management server includes merchant information, product information and payment amount, and may include merchant information (e.g., client ID). Among them, the merchant information can be directly merchants receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant should be kept confidential with respect to the merchant, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the merchant only need to inform the Funds-Management server to which merchant and which goods to pay the amount of funds, the Funds-Management server will be able to call out the account of the implementation of the corresponding payment operation.
[70] S203, it is checked whether or not the balance of the funds of the client account is sufficient, and if it is insufficient, step S204 is executed, otherwise step S207 is executed;
[71] S204, query the client account of the amount of credit overdraft sufficient, if not enough to terminate the payment, otherwise the implementation of step S207;
[72] Specifically, when the balance of the account funds is sufficient to meet, the amount of funds corresponding to the payment amount in the bank account is frozen, and when the balance of the account funds is not enough to be paid, the amount of credit overdraft will be frozen. This step only to freeze the payment amount or credit limit to ensure that there is sufficient funds to complete the transaction, but not directly transfer to the merchant account, so to ensure the interests of the buyers and the sellers, followed by the merchant, the merchant or logistics company to send the payment information to confirm the delivery is completed by the Funds-Management server to receive the payment of information, the re-blocked funds will be allocated to the merchant account.
[73] S207, the amount of money or credit overdraft amount corresponding to the payment amount in the client account;
[74] S208, generate electronic commitment payment certificate;
[75] S209, sending the electronic commitment payment certificate information to the merchant and the information centre server;
[76] S210, the merchant sends the receiving and receiving information to the Funds-Management server;
[77] It is to be noted that in step S210, the merchant sends and receives the payment information to the Funds-Management server as an example. In practice, it is also possible for the client, the logistics server, or other entity that can know the delivery status to send the payment information to the Funds-Management server.
[78] S211, the Funds-Management server synchronizes the payment information to the information centre server.
[79] Specifically, the Funds-Management server synchronizes the updated electronic commitment payment certificate information to the information centre server, from the updated electronic commitment payment certificate information to immediately inform the merchandise of the circulation state, when the goods / service delivery is completed, Of the funds to the merchant account.
[80] S212, the frozen funds allocated to the account of the merchant.
[81] S213, end the process.
[82] The payment method illustrated by the example of the present invention can reduce the risk of funds and protect the interests of the buyers and the sellers through the Funds-Management server receiving the payment request information of the merchant, determining whether or not the payment is permitted based on the credit overdraft limit, funds amount, or credit loan limit in the merchant account, then at the same time freezing the payment account in the merchant , and generating electronic commitment payment certificate.
[83] Example 4 [84] As shown in Figure 4, an example of the present invention provides a payment method based on the same Funds-Management server for use in the Funds-Management server, which method comprises the steps of:
[85] S201, the Funds-Management server 30 receives the payment request information sent by the client, and the payment request information includes the payment amount.
[86] Specifically, the payment request information received by the Funds-Management server includes merchant information, product information and payment amount, and may include merchant information (e.g., client ID). Among them, the merchant information can be directly merchants receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant should be kept confidential with respect to the merchant, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the merchant only need to inform the Funds-Management server to which merchant and which goods to pay the amount of funds, the Funds-Management server will be able to call out the account of the implementation of the corresponding payment operation.
[87] S203, it is checked whether or not the balance of the funds of the client account is sufficient, and if it is insufficient, Step S205 is executed, otherwise Step S207 is executed;
[88] S205, check the client account credit loan limit is sufficient, if not enough to terminate the payment, otherwise the implementation of Step S207;
[89] Specifically, when the balance of the account funds is sufficient to meet, the funds in the bank account corresponding to the payment amount are frozen, and when the balance of the account funds is insufficient to be paid, when the credit loan limit is sufficient to be paid, the credit in the bank account corresponding to the payment amount Loan amount. This step only to freeze the payment amount or credit limit to ensure that there is sufficient funds to complete the transaction, but not directly transfer to the merchant account, so that the interests of the buyers and the sellers can be ensured, the successor can be the merchant, the merchant or logistics company to send the payment information to confirm the completion of delivery by the Funds-Management server to receive the payment of information, the re-blocked funds or funds that equal to payment funds will be allocated to the merchant account.
[90] S207, freeze the client account within the amount of payment corresponding to the amount of funds or credit loans;
[91] S208, generate electronic commitment payment certificate;
[92] S209, sending the electronic commitment payment certificate information to the merchant and the information centre server;
[93] S210, the merchant sends the receiving and receiving information to the Funds-Management server;
[94] It is to be noted that in step S210, the merchant sends and receives the payment information to the Funds-Management server as an example. In practice, it is also possible for the client, the logistics server, or other entity that can know the delivery status to send the payment information to the Funds-Management server.
[95] S211, the Funds-Management server synchronizes the payment information to the information centre server.
[96] Specifically, the Funds-Management server synchronizes the updated electronic commitment payment certificate information to the information centre server, from the updated electronic commitment payment certificate information to immediately inform the merchandise of the circulation state, when the goods / service delivery is completed, Of the funds to the merchant account.
[97] S212, the frozen funds allocated to the account of the merchant.
[98] S213, end the process.
[99] The payment method provided by the example of the present invention receives the payment request information of the merchant through the Funds-Management server, the merchant account funds amount, the merchant account credit overdraft limit and the merchant account credit loan limit will be based to determine whether to allow payment, and by freezing the merchant account payment amount, and generating electronic commitment payment certificate for conducting real-time monitoring, which can reduce the risk of funds to protect the interests of the buyers and the sellers.
[100] Example 5 [101] As shown in Figure 5, an example of the present invention provides a payment method based on the same Funds-Management server for use in the Funds-Management server, which method comprises the steps of:
[102] S201, the client sends the payment request information to the Funds-Management server, the payment request information includes the payment amount, and the Funds-Management server receives the payment request information sent by the client.
[103] Wherein the payment request information is composed of a plurality of data packets, including at least the merchant information, the merchandise information and the payment amount. You can also include client information (such as client ID). Among them, the merchant information can be directly merchants receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant should be kept confidential with respect to the merchant, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the merchant only need to inform the Funds-Management server to which merchant and which goods to pay the amount of funds, the Funds-Management server will be able to call out the account of the implementation of the corresponding payment operation.
[104] The way the client sends payment request information to the Funds-Management server can be done in the existing way, such as using a digital signature or a digital envelope. A
digital signature is a data that the user encrypts a hash of the original data with his own private key. The information recipient obtains the hash digest by decrypting the digital signature attached to the original information using the public key of the sender of the information and confirms whether the original information is made by comparing with the hash digest generated by the original data received by the information recipient Tampered with. This ensures that the data transmission is undeniable. Digital envelopes use cryptographic technology to ensure that only the recipient of the specified information can read the contents of the information. Digital envelopes used in a single-key password system and public key password system. The information sender first encrypts the information with the randomly generated symmetric password, and then encrypts the symmetric password with the public key of the receiver. The symmetric password encrypted by the public key is called the digital envelope. In the transmission of information, the information receiver shall decrypt the information, you must first use their own private key to decrypt the digital envelope, get a symmetric password, in order to use the symmetric password to decrypt the information obtained. This ensures the authenticity and integrity of the data transmission.
[105] S203, it is checked whether or not the balance of the funds of the client account is sufficient, and if it is insufficient, Step S204 is executed, otherwise Step S207 is executed;
[106] S204, it is checked whether or not the credit overdraft amount of the client account is sufficient, and if it is insufficient, Step S205 is executed, otherwise Step S207 is executed;
[107] S205, check the client account credit loan limit is sufficient, if not enough to terminate the payment, otherwise the implementation of Step S207;
[108] S207, freeze the client account with the payment amount corresponding to the amount of funds or credit overdraft balance or credit balance;
[109] S208, generate electronic commitment payment certificate;
[110] S209, sending the electronic commitment payment certificate information to the merchant and the information centre server;
[111] S210, the merchant sends the receiving and receiving information to the Funds-Management server;
[112] It is to be noted that in step S210, the merchant sends and receives the payment information to the Funds-Management server as an example. In practice, it is also possible for the client, the logistics server, or other entity that can know the delivery status to send the payment information to the Funds-Management server.
[113] S211, the Funds-Management server synchronizes the payment information to the information centre server.
[114] Specifically, the Funds-Management server synchronizes the updated electronic commitment payment certificate information to the information centre server, and when the goods / service delivery is completed, the funds can be transferred to the merchant's account.
[115] S212, the frozen funds allocated to the account of the merchant.
[116] S213, end the process.
[117] The example of the present invention, on the basis of the Example 3, not only facilitates the buyer by increasing the optional function of the credit loan limit, but also greatly enriches the loan business of the bank or other third party organization; increase the information centre server to the buyers and sellers of the electronic commitment payment certificate to synchronize tracking, the flow of goods and the flow of funds trajectory of the effective combination of the interests of both buyers and sellers can be effectively protected.
[118] Example 6 [119] As shown in Figure 6, an example of the present invention provides a payment method based on the same Funds-Management server for use in the Funds-Management server, which method comprises the steps of:
[120] S201, the client sends the payment request information to the Funds-Management server, the payment request information includes the payment amount, and the Funds-Management server receives the payment request information sent by the client.
[121] Wherein the payment request information is composed of a plurality of data packets, including at least the merchant information, the merchandise information and the payment amount. You can also include client information (such as client ID). Among them, the merchant information can be directly merchants receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant should be kept confidential with respect to the merchant, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the merchant only need to inform the Funds-Management server to which merchant and which goods to pay the amount of funds, the Funds-Management server will be able to call out the account of the implementation of the corresponding payment operation.
[122] The way the client sends payment request information to the Funds-Management server can be done in the existing way, such as using a digital signature or a digital envelope. A
digital signature is a data that the user encrypts a hash of the original data with his own private key. The information recipient obtains the hash digest by decrypting the digital signature attached to the original information using the public key of the sender of the information and confirms whether the original information is made by comparing with the hash digest generated by the original data received by the information recipient Tampered with. This ensures that the data transmission is undeniable. Digital envelopes use cryptographic technology to ensure that only the recipient of the specified information can read the contents of the information. Digital envelopes used in a single-key password system and public key password system. The information sender first encrypts the information with the randomly generated symmetric password, and then encrypts the symmetric password with the public key of the receiver. The symmetric password encrypted by the public key is called the digital envelope. In the transmission of information, the information receiver shall decrypt the information, you must first use their own private key to decrypt the digital envelope, get a symmetric password, in order to use the symmetric password to decrypt the information obtained. This ensures the authenticity and integrity of the data transmission.
[123] S203, it is checked whether or not the balance of the funds of the client account is sufficient, and if it is insufficient, Step S204 is executed, otherwise Step S207 is executed;
[124] S204, it is checked whether or not the credit loan limit of the client account is sufficient, and if it is insufficient, Step S204 is executed, otherwise Step S207 is executed;
[125] S205, query the client account of the amount of credit overdraft sufficient, if not enough to terminate the payment, otherwise the implementation of step S207;
[126] S207, freeze the client account and the payment amount corresponding to the amount of funds or credit overdraft credit or credit line;
[127] S208, generate electronic commitment payment certificate;
[128] S209, sending the electronic commitment payment certificate information to the merchant and the information centre server;
[129] S210, the merchant sends the receiving and receiving information to the Funds-Management server;
[130] It is to be noted that in step S210, the merchant sends and receives the payment information to the Funds-Management server as an example. In practice, it is also possible for the client, the logistics server, or other entity that can know the delivery status to send the payment information to the Funds-Management server.
[131] S211, the Funds-Management server synchronizes the payment information to the information centre server.
[132] Specifically, the Funds-Management server synchronizes the updated electronic commitment payment certificate information to the information centre server, and when the goods / service delivery is completed, the funds can be transferred to the merchant's account.
[133] S212, the frozen funds allocated to the account of the merchant.
[134] S213, end the process.
[135] The example of the present invention, on the basis of the third example, not only facilitates the buyer by increasing the optional function of the credit overdraft quota, but also greatly enriches the credit overdraft business of the bank or other third party institutions. By increasing the information centre server to the buyers and sellers of the electronic commitment payment certificate to synchronize tracking, the flow of goods and the flow of funds trajectory of the effective combination of the interests of both buyers and sellers can be effectively protected.
[136] Example 7 [137] As shown in Figure 7, an example of the present invention provides a payment device including a receiving module 301, a judgement module 302, and a processing module 303, wherein:
[138] The receiving module 301 is configured to receive payment request information transmitted by the merchant, wherein the payment request information includes a payment amount.
[139] Specifically, the payment request information received by the receiving module 301 includes merchant information, product information and payment amount, and may include merchant information (for an example, client ID). Among them, the merchant information can be merchants receiving account, and the merchant information can also be uniquely identified (such as business ID). In the particular application, the account information of the merchant should be kept confidential from the merchant, so the merchant information should be the merchant ID, that is, the merchant simply informs which merchandise of which merchant is paid by how much, then the device call out of the merchant account number to implement the corresponding payment operation.
[140] The judgement module 302 is configured to determine whether or not to allow payment based on the payment amount, and fund balance of the merchant account or the credit overdraft limit or the credit loan limit.
[141] As a preferred scheme, the judgement module 302 is specifically configured to determine whether the balance of the funds of the merchant account is greater than or equal to the payment amount, and if so, the payment is allowed; Whether the amount is greater than or equal to the payment amount, if yes, then allow payment; otherwise to further determine whether the merchant account credit limit is greater than the payment amount, if it is allowed to pay, or not allowed to pay. In this way, in order to determine the balance of the balance of the account funds, credit overdraft balance and credit balance of the payment capacity, priority to use the account balance of funds to pay the way, you can save the payment cycle to protect the interests of businesses. Wherein the bank account of the merchant may be informed to this device by the merchant in the payment request information, or the device may inquire it from the database based on the merchant information, and obtains the funds balance or the credit limit of the corresponding merchant account. Only in the merchant account of the funds balance or credit limit greater than or equal to the payment amount, it means that customers have the ability to pay behaviour, this time to allow payment behaviour. When using a Funds-Management server to obtain a bank account or credit card account based on customer information, a customer may have multiple accounts, and a mixed payment method may also be used.
[142] The processing module 303 is configured to freeze the balance of the funds corresponding to the payment amount in the merchant account when the payment is allowed, and generate the electronic commitment payment certificate to transmit the electronic commitment payment certificate information to the merchant and synchronize to the information centre server.
[143] Preferably, the processing module 303 further includes a freezing unit 3031, a credential generation unit 3032, and a synchronization unit 3033, wherein:
[144] The freezing unit 3031 is configured to freeze the corresponding amount equal to the payment amount in the merchant account when payment is allowed;
[145] The credential generation unit 3032 is configured to generate an electronic commitment payment document;
[146] The synchronization unit 3033 is configured to transmit the electronic commitment payment certificate information to the merchant.
[147] In addition, the processing module 303 may include a transfer unit, configured to receive the payment information, synchronize the payment information to the information centre server, and allocate the frozen funds to the account of the merchant.
[148] It is important to note that the technical features of the above-described Examples 2 and 3 are applicable in the present apparatus and are not repeated here.
[149] In addition, the present invention also provides a Funds-Management server including the payment device in the fourth embodiment, which is not repeated here.
[150] The payment method provided by the example of the present invention receives the payment request information of the merchant through the Funds-Management server, the merchant account funds amount, the merchant account credit overdraft limit and the merchant account credit loan limit will be based to determine whether to allow payment, and by freezing the merchant account payment amount, and generating electronic commitment payment certificate for conducting real-time monitoring, which can reduce the risk of funds to protect the interests of the buyers and the sellers. In addition, by increasing the loan function, not only to facilitate the buyer, but also greatly enriched the bank or other institutions with credit ability to pay the business.
[151] Example 8 [152] As shown in Figure 8, a preferred example of the present invention provides a payment system based on the same Funds-Management server, which includes a merchant 10, a merchant 20, and a Funds-Management server 30, wherein:
[153] The information centre server 50 is used to store and supervise the electronic commitment payment certificate information.
[154] The merchant 10 includes a payment request module 101 configured to send payment request information to the Funds-Management server 30, wherein the payment request information includes merchant and merchandise information, and payment amount.
[155] The merchant 20 includes a credential receiving module 201 and a credential updating module 202, wherein the certificate receiving module 201 is configured to receive the electronic commitment payment certificate sent by the fund managing server 30.
[156] The Funds-Management server 30 includes a receiving module 301, a judgement module 302, and a processing module 303, wherein:
[157] The receiving module 301 is configured to receive payment request information transmitted by the merchant;
[158] The judgement module 302 is configured to determine whether or not a credit commitment payment is permitted based on the balance of the merchant account funds and the payment amount;
[159] As a preferred example, the judgement module 302 is configured to determine whether the balance of the merchant account is greater than or equal to the amount of the payment, and if so, the payment is allowed; Greater than or equal to the payment amount, if yes, then allow payment, or to further determine whether the merchant account credit is greater than or equal to the payment amount, if so, allow credit commitment to pay.
[160] The processing module 303 is configured to freeze the balance of the funds corresponding to the payment amount in the merchant account when the payment is allowed, and generate the electronic commitment payment certificate to transmit the electronic commitment payment certificate information to the merchant and synchronize to the information centre server.
[161] As a preferred example, the receiving module 301 of the Funds-Management server 30 is also responsible for receiving the payment information; the processing module 303 also includes a transferring module, which is configured to transfer equal funds to the account of the merchant after receiving the payment information.
[162] Specifically, since the payment request information is sent by the buyer to the Funds-Management server 30 through the merchant 10, the payment information is objectively obtained by the merchant 10 confirming and authorizing the bank to pay. The Funds-Management server 30 will freeze the corresponding funds or quota and generate an electronic commitment payment certificate based on the payment information.
The electronic commitment payment certificate information includes but not limited to the commodity information, the payment amount (the freezing money), the delivery address and the expiry date, Not limited to text, pictures, graphics and so on. The electronic certificate is the certificate of the receiving fund of the merchant 20, and the merchant 20 provides the corresponding merchandise / service based on the electronic commitment payment certificate.
[163] The general technicians of this field can understand and implement all or parts of steps in the aforesaid examples that can complete the procedure by controlling relevant hardware, and the said procedure can be stored in a readable storage media of a computer such as ROM/RAM, disk and light disk.
[164] The preferred embodiments of the present invention have been described with reference to the above accompanying drawings, which are not to limit the scope of the present invention. It will be apparent to those skilled in this field that various modifications, equivalents, and improvements may be made without departing from the scope and spirit of this invention.
[511 Specifically, the payment request information received by the Funds-Management server includes merchant information, product information and payment amount, and may include merchant information (e.g., client ID). Among them, the merchant information can be directly merchants receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant should be kept confidential with respect to the merchant, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the merchant only need to inform the Funds-Management server to which merchant and which goods to pay the amount of funds, the Funds-Management server will be able to call out the account of the implementation of the corresponding payment operation.
[52] S102, compare the balance of the merchant account and the payment amount to determine whether to generate electronic commitment payment certificate to be paid; if so, then allow the payment; otherwise terminate the payment.
[53] This step further includes: the Funds-Management server from the database query client account balance; determine whether the balance of funds is greater than or equal to the amount of payment, if so, then allow the payment; otherwise terminate the payment.
Wherein the bank account of the merchant can be informed to the Funds-Management server by the merchant in the payment request, or can be queried from the database according to the merchant ID by the Funds-Management server. Only in the merchant account of the funds balance or credit limit greater than or equal to the payment amount, it means that customers have the ability to pay behaviour, this time to allow payment behaviour. Priority to pay the balance of the account funds, you can save the payment cycle to protect the interests of the merchant.
[54] The S103, the Funds-Management server freezes the funds corresponding to the payment amount in the merchant account.
[55] Specifically, when the balance of the account funds is sufficient to cover, the funds in the bank account are frozen. This step only to freeze the payment amount or credit limit to ensure that there is sufficient funds to complete the transaction, but not directly transfer to the merchant account, so to ensure the interests of the buyers and the sellers, followed by the merchant, the merchant or logistics company to send the payment information to confirm the delivery is completed by the Funds-Management server to receive the payment of information, the re-blocked funds will be allocated to the merchant account.
[56] The S104, the Funds-Management server generates an electronic commitment payment the certificate;
[57] Specifically, since the payment request information is sent by the buyer to the Funds-Management server through the merchant operation, the payment information is objectively confirmed by the customer and authorized by the bank. The Funds-Management server freezes the corresponding funds or credit loan limit and generates electronic promises payment certificates based on the payment information. The electronic commitment payment certificate information includes but not limited to commodity information, payment amount (frozen funds), delivery address and expiry date, Text, pictures, graphics and so on. The electronic certificate is the certificate of the receiving end of the merchant, and the merchant provides the corresponding goods /
service according to the electronic commitment payment certificate.
[58] The S105, the electronic commitment payment certificate issued to the client for the client to undertake credit commitments and synchronization to the information centre server.
[59] Specifically, this step sends the generated electronic certificate information to the information centre server so that the information centre server performs subsequent tracking.
[60] The payment method provided by the example of the present invention receives the payment request information of the merchant through the same Funds-Management server, determines whether or not the payment is permitted based on the buyer's account funds balance; meanwhile, by freezing the merchant account payment amount, and generating electronic commitment payment certificate, which can reduce the risk of funds and protect the interests of the buyers and the sellers.
[61] The S106 and the Funds-Management server receives the payment information;
[62] The Funds-Management server receives and determines whether the payment information meets the agreed payment policy.
[63] The S107 and the Funds-Management server judges that the payment information is synchronized to the information centre server.
[64] S108, if the payment of information in line with the agreed payment of funds conditions, the Funds-Management server will be allocated to the account business account.
[65] S113, end the process.
[66] Example 3 [67] As shown in Figure 3, an example of the present invention provides a payment method based on the same Funds-Management servers for use in a Funds-Management server, which is comprised of the steps as follows:
[68] S201, the Funds-Management server 30 receives the payment request information sent by the client, and the payment request information includes the payment amount.
[69] Specifically, the payment request information received by the Funds-Management server includes merchant information, product information and payment amount, and may include merchant information (e.g., client ID). Among them, the merchant information can be directly merchants receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant should be kept confidential with respect to the merchant, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the merchant only need to inform the Funds-Management server to which merchant and which goods to pay the amount of funds, the Funds-Management server will be able to call out the account of the implementation of the corresponding payment operation.
[70] S203, it is checked whether or not the balance of the funds of the client account is sufficient, and if it is insufficient, step S204 is executed, otherwise step S207 is executed;
[71] S204, query the client account of the amount of credit overdraft sufficient, if not enough to terminate the payment, otherwise the implementation of step S207;
[72] Specifically, when the balance of the account funds is sufficient to meet, the amount of funds corresponding to the payment amount in the bank account is frozen, and when the balance of the account funds is not enough to be paid, the amount of credit overdraft will be frozen. This step only to freeze the payment amount or credit limit to ensure that there is sufficient funds to complete the transaction, but not directly transfer to the merchant account, so to ensure the interests of the buyers and the sellers, followed by the merchant, the merchant or logistics company to send the payment information to confirm the delivery is completed by the Funds-Management server to receive the payment of information, the re-blocked funds will be allocated to the merchant account.
[73] S207, the amount of money or credit overdraft amount corresponding to the payment amount in the client account;
[74] S208, generate electronic commitment payment certificate;
[75] S209, sending the electronic commitment payment certificate information to the merchant and the information centre server;
[76] S210, the merchant sends the receiving and receiving information to the Funds-Management server;
[77] It is to be noted that in step S210, the merchant sends and receives the payment information to the Funds-Management server as an example. In practice, it is also possible for the client, the logistics server, or other entity that can know the delivery status to send the payment information to the Funds-Management server.
[78] S211, the Funds-Management server synchronizes the payment information to the information centre server.
[79] Specifically, the Funds-Management server synchronizes the updated electronic commitment payment certificate information to the information centre server, from the updated electronic commitment payment certificate information to immediately inform the merchandise of the circulation state, when the goods / service delivery is completed, Of the funds to the merchant account.
[80] S212, the frozen funds allocated to the account of the merchant.
[81] S213, end the process.
[82] The payment method illustrated by the example of the present invention can reduce the risk of funds and protect the interests of the buyers and the sellers through the Funds-Management server receiving the payment request information of the merchant, determining whether or not the payment is permitted based on the credit overdraft limit, funds amount, or credit loan limit in the merchant account, then at the same time freezing the payment account in the merchant , and generating electronic commitment payment certificate.
[83] Example 4 [84] As shown in Figure 4, an example of the present invention provides a payment method based on the same Funds-Management server for use in the Funds-Management server, which method comprises the steps of:
[85] S201, the Funds-Management server 30 receives the payment request information sent by the client, and the payment request information includes the payment amount.
[86] Specifically, the payment request information received by the Funds-Management server includes merchant information, product information and payment amount, and may include merchant information (e.g., client ID). Among them, the merchant information can be directly merchants receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant should be kept confidential with respect to the merchant, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the merchant only need to inform the Funds-Management server to which merchant and which goods to pay the amount of funds, the Funds-Management server will be able to call out the account of the implementation of the corresponding payment operation.
[87] S203, it is checked whether or not the balance of the funds of the client account is sufficient, and if it is insufficient, Step S205 is executed, otherwise Step S207 is executed;
[88] S205, check the client account credit loan limit is sufficient, if not enough to terminate the payment, otherwise the implementation of Step S207;
[89] Specifically, when the balance of the account funds is sufficient to meet, the funds in the bank account corresponding to the payment amount are frozen, and when the balance of the account funds is insufficient to be paid, when the credit loan limit is sufficient to be paid, the credit in the bank account corresponding to the payment amount Loan amount. This step only to freeze the payment amount or credit limit to ensure that there is sufficient funds to complete the transaction, but not directly transfer to the merchant account, so that the interests of the buyers and the sellers can be ensured, the successor can be the merchant, the merchant or logistics company to send the payment information to confirm the completion of delivery by the Funds-Management server to receive the payment of information, the re-blocked funds or funds that equal to payment funds will be allocated to the merchant account.
[90] S207, freeze the client account within the amount of payment corresponding to the amount of funds or credit loans;
[91] S208, generate electronic commitment payment certificate;
[92] S209, sending the electronic commitment payment certificate information to the merchant and the information centre server;
[93] S210, the merchant sends the receiving and receiving information to the Funds-Management server;
[94] It is to be noted that in step S210, the merchant sends and receives the payment information to the Funds-Management server as an example. In practice, it is also possible for the client, the logistics server, or other entity that can know the delivery status to send the payment information to the Funds-Management server.
[95] S211, the Funds-Management server synchronizes the payment information to the information centre server.
[96] Specifically, the Funds-Management server synchronizes the updated electronic commitment payment certificate information to the information centre server, from the updated electronic commitment payment certificate information to immediately inform the merchandise of the circulation state, when the goods / service delivery is completed, Of the funds to the merchant account.
[97] S212, the frozen funds allocated to the account of the merchant.
[98] S213, end the process.
[99] The payment method provided by the example of the present invention receives the payment request information of the merchant through the Funds-Management server, the merchant account funds amount, the merchant account credit overdraft limit and the merchant account credit loan limit will be based to determine whether to allow payment, and by freezing the merchant account payment amount, and generating electronic commitment payment certificate for conducting real-time monitoring, which can reduce the risk of funds to protect the interests of the buyers and the sellers.
[100] Example 5 [101] As shown in Figure 5, an example of the present invention provides a payment method based on the same Funds-Management server for use in the Funds-Management server, which method comprises the steps of:
[102] S201, the client sends the payment request information to the Funds-Management server, the payment request information includes the payment amount, and the Funds-Management server receives the payment request information sent by the client.
[103] Wherein the payment request information is composed of a plurality of data packets, including at least the merchant information, the merchandise information and the payment amount. You can also include client information (such as client ID). Among them, the merchant information can be directly merchants receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant should be kept confidential with respect to the merchant, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the merchant only need to inform the Funds-Management server to which merchant and which goods to pay the amount of funds, the Funds-Management server will be able to call out the account of the implementation of the corresponding payment operation.
[104] The way the client sends payment request information to the Funds-Management server can be done in the existing way, such as using a digital signature or a digital envelope. A
digital signature is a data that the user encrypts a hash of the original data with his own private key. The information recipient obtains the hash digest by decrypting the digital signature attached to the original information using the public key of the sender of the information and confirms whether the original information is made by comparing with the hash digest generated by the original data received by the information recipient Tampered with. This ensures that the data transmission is undeniable. Digital envelopes use cryptographic technology to ensure that only the recipient of the specified information can read the contents of the information. Digital envelopes used in a single-key password system and public key password system. The information sender first encrypts the information with the randomly generated symmetric password, and then encrypts the symmetric password with the public key of the receiver. The symmetric password encrypted by the public key is called the digital envelope. In the transmission of information, the information receiver shall decrypt the information, you must first use their own private key to decrypt the digital envelope, get a symmetric password, in order to use the symmetric password to decrypt the information obtained. This ensures the authenticity and integrity of the data transmission.
[105] S203, it is checked whether or not the balance of the funds of the client account is sufficient, and if it is insufficient, Step S204 is executed, otherwise Step S207 is executed;
[106] S204, it is checked whether or not the credit overdraft amount of the client account is sufficient, and if it is insufficient, Step S205 is executed, otherwise Step S207 is executed;
[107] S205, check the client account credit loan limit is sufficient, if not enough to terminate the payment, otherwise the implementation of Step S207;
[108] S207, freeze the client account with the payment amount corresponding to the amount of funds or credit overdraft balance or credit balance;
[109] S208, generate electronic commitment payment certificate;
[110] S209, sending the electronic commitment payment certificate information to the merchant and the information centre server;
[111] S210, the merchant sends the receiving and receiving information to the Funds-Management server;
[112] It is to be noted that in step S210, the merchant sends and receives the payment information to the Funds-Management server as an example. In practice, it is also possible for the client, the logistics server, or other entity that can know the delivery status to send the payment information to the Funds-Management server.
[113] S211, the Funds-Management server synchronizes the payment information to the information centre server.
[114] Specifically, the Funds-Management server synchronizes the updated electronic commitment payment certificate information to the information centre server, and when the goods / service delivery is completed, the funds can be transferred to the merchant's account.
[115] S212, the frozen funds allocated to the account of the merchant.
[116] S213, end the process.
[117] The example of the present invention, on the basis of the Example 3, not only facilitates the buyer by increasing the optional function of the credit loan limit, but also greatly enriches the loan business of the bank or other third party organization; increase the information centre server to the buyers and sellers of the electronic commitment payment certificate to synchronize tracking, the flow of goods and the flow of funds trajectory of the effective combination of the interests of both buyers and sellers can be effectively protected.
[118] Example 6 [119] As shown in Figure 6, an example of the present invention provides a payment method based on the same Funds-Management server for use in the Funds-Management server, which method comprises the steps of:
[120] S201, the client sends the payment request information to the Funds-Management server, the payment request information includes the payment amount, and the Funds-Management server receives the payment request information sent by the client.
[121] Wherein the payment request information is composed of a plurality of data packets, including at least the merchant information, the merchandise information and the payment amount. You can also include client information (such as client ID). Among them, the merchant information can be directly merchants receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant should be kept confidential with respect to the merchant, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the merchant only need to inform the Funds-Management server to which merchant and which goods to pay the amount of funds, the Funds-Management server will be able to call out the account of the implementation of the corresponding payment operation.
[122] The way the client sends payment request information to the Funds-Management server can be done in the existing way, such as using a digital signature or a digital envelope. A
digital signature is a data that the user encrypts a hash of the original data with his own private key. The information recipient obtains the hash digest by decrypting the digital signature attached to the original information using the public key of the sender of the information and confirms whether the original information is made by comparing with the hash digest generated by the original data received by the information recipient Tampered with. This ensures that the data transmission is undeniable. Digital envelopes use cryptographic technology to ensure that only the recipient of the specified information can read the contents of the information. Digital envelopes used in a single-key password system and public key password system. The information sender first encrypts the information with the randomly generated symmetric password, and then encrypts the symmetric password with the public key of the receiver. The symmetric password encrypted by the public key is called the digital envelope. In the transmission of information, the information receiver shall decrypt the information, you must first use their own private key to decrypt the digital envelope, get a symmetric password, in order to use the symmetric password to decrypt the information obtained. This ensures the authenticity and integrity of the data transmission.
[123] S203, it is checked whether or not the balance of the funds of the client account is sufficient, and if it is insufficient, Step S204 is executed, otherwise Step S207 is executed;
[124] S204, it is checked whether or not the credit loan limit of the client account is sufficient, and if it is insufficient, Step S204 is executed, otherwise Step S207 is executed;
[125] S205, query the client account of the amount of credit overdraft sufficient, if not enough to terminate the payment, otherwise the implementation of step S207;
[126] S207, freeze the client account and the payment amount corresponding to the amount of funds or credit overdraft credit or credit line;
[127] S208, generate electronic commitment payment certificate;
[128] S209, sending the electronic commitment payment certificate information to the merchant and the information centre server;
[129] S210, the merchant sends the receiving and receiving information to the Funds-Management server;
[130] It is to be noted that in step S210, the merchant sends and receives the payment information to the Funds-Management server as an example. In practice, it is also possible for the client, the logistics server, or other entity that can know the delivery status to send the payment information to the Funds-Management server.
[131] S211, the Funds-Management server synchronizes the payment information to the information centre server.
[132] Specifically, the Funds-Management server synchronizes the updated electronic commitment payment certificate information to the information centre server, and when the goods / service delivery is completed, the funds can be transferred to the merchant's account.
[133] S212, the frozen funds allocated to the account of the merchant.
[134] S213, end the process.
[135] The example of the present invention, on the basis of the third example, not only facilitates the buyer by increasing the optional function of the credit overdraft quota, but also greatly enriches the credit overdraft business of the bank or other third party institutions. By increasing the information centre server to the buyers and sellers of the electronic commitment payment certificate to synchronize tracking, the flow of goods and the flow of funds trajectory of the effective combination of the interests of both buyers and sellers can be effectively protected.
[136] Example 7 [137] As shown in Figure 7, an example of the present invention provides a payment device including a receiving module 301, a judgement module 302, and a processing module 303, wherein:
[138] The receiving module 301 is configured to receive payment request information transmitted by the merchant, wherein the payment request information includes a payment amount.
[139] Specifically, the payment request information received by the receiving module 301 includes merchant information, product information and payment amount, and may include merchant information (for an example, client ID). Among them, the merchant information can be merchants receiving account, and the merchant information can also be uniquely identified (such as business ID). In the particular application, the account information of the merchant should be kept confidential from the merchant, so the merchant information should be the merchant ID, that is, the merchant simply informs which merchandise of which merchant is paid by how much, then the device call out of the merchant account number to implement the corresponding payment operation.
[140] The judgement module 302 is configured to determine whether or not to allow payment based on the payment amount, and fund balance of the merchant account or the credit overdraft limit or the credit loan limit.
[141] As a preferred scheme, the judgement module 302 is specifically configured to determine whether the balance of the funds of the merchant account is greater than or equal to the payment amount, and if so, the payment is allowed; Whether the amount is greater than or equal to the payment amount, if yes, then allow payment; otherwise to further determine whether the merchant account credit limit is greater than the payment amount, if it is allowed to pay, or not allowed to pay. In this way, in order to determine the balance of the balance of the account funds, credit overdraft balance and credit balance of the payment capacity, priority to use the account balance of funds to pay the way, you can save the payment cycle to protect the interests of businesses. Wherein the bank account of the merchant may be informed to this device by the merchant in the payment request information, or the device may inquire it from the database based on the merchant information, and obtains the funds balance or the credit limit of the corresponding merchant account. Only in the merchant account of the funds balance or credit limit greater than or equal to the payment amount, it means that customers have the ability to pay behaviour, this time to allow payment behaviour. When using a Funds-Management server to obtain a bank account or credit card account based on customer information, a customer may have multiple accounts, and a mixed payment method may also be used.
[142] The processing module 303 is configured to freeze the balance of the funds corresponding to the payment amount in the merchant account when the payment is allowed, and generate the electronic commitment payment certificate to transmit the electronic commitment payment certificate information to the merchant and synchronize to the information centre server.
[143] Preferably, the processing module 303 further includes a freezing unit 3031, a credential generation unit 3032, and a synchronization unit 3033, wherein:
[144] The freezing unit 3031 is configured to freeze the corresponding amount equal to the payment amount in the merchant account when payment is allowed;
[145] The credential generation unit 3032 is configured to generate an electronic commitment payment document;
[146] The synchronization unit 3033 is configured to transmit the electronic commitment payment certificate information to the merchant.
[147] In addition, the processing module 303 may include a transfer unit, configured to receive the payment information, synchronize the payment information to the information centre server, and allocate the frozen funds to the account of the merchant.
[148] It is important to note that the technical features of the above-described Examples 2 and 3 are applicable in the present apparatus and are not repeated here.
[149] In addition, the present invention also provides a Funds-Management server including the payment device in the fourth embodiment, which is not repeated here.
[150] The payment method provided by the example of the present invention receives the payment request information of the merchant through the Funds-Management server, the merchant account funds amount, the merchant account credit overdraft limit and the merchant account credit loan limit will be based to determine whether to allow payment, and by freezing the merchant account payment amount, and generating electronic commitment payment certificate for conducting real-time monitoring, which can reduce the risk of funds to protect the interests of the buyers and the sellers. In addition, by increasing the loan function, not only to facilitate the buyer, but also greatly enriched the bank or other institutions with credit ability to pay the business.
[151] Example 8 [152] As shown in Figure 8, a preferred example of the present invention provides a payment system based on the same Funds-Management server, which includes a merchant 10, a merchant 20, and a Funds-Management server 30, wherein:
[153] The information centre server 50 is used to store and supervise the electronic commitment payment certificate information.
[154] The merchant 10 includes a payment request module 101 configured to send payment request information to the Funds-Management server 30, wherein the payment request information includes merchant and merchandise information, and payment amount.
[155] The merchant 20 includes a credential receiving module 201 and a credential updating module 202, wherein the certificate receiving module 201 is configured to receive the electronic commitment payment certificate sent by the fund managing server 30.
[156] The Funds-Management server 30 includes a receiving module 301, a judgement module 302, and a processing module 303, wherein:
[157] The receiving module 301 is configured to receive payment request information transmitted by the merchant;
[158] The judgement module 302 is configured to determine whether or not a credit commitment payment is permitted based on the balance of the merchant account funds and the payment amount;
[159] As a preferred example, the judgement module 302 is configured to determine whether the balance of the merchant account is greater than or equal to the amount of the payment, and if so, the payment is allowed; Greater than or equal to the payment amount, if yes, then allow payment, or to further determine whether the merchant account credit is greater than or equal to the payment amount, if so, allow credit commitment to pay.
[160] The processing module 303 is configured to freeze the balance of the funds corresponding to the payment amount in the merchant account when the payment is allowed, and generate the electronic commitment payment certificate to transmit the electronic commitment payment certificate information to the merchant and synchronize to the information centre server.
[161] As a preferred example, the receiving module 301 of the Funds-Management server 30 is also responsible for receiving the payment information; the processing module 303 also includes a transferring module, which is configured to transfer equal funds to the account of the merchant after receiving the payment information.
[162] Specifically, since the payment request information is sent by the buyer to the Funds-Management server 30 through the merchant 10, the payment information is objectively obtained by the merchant 10 confirming and authorizing the bank to pay. The Funds-Management server 30 will freeze the corresponding funds or quota and generate an electronic commitment payment certificate based on the payment information.
The electronic commitment payment certificate information includes but not limited to the commodity information, the payment amount (the freezing money), the delivery address and the expiry date, Not limited to text, pictures, graphics and so on. The electronic certificate is the certificate of the receiving fund of the merchant 20, and the merchant 20 provides the corresponding merchandise / service based on the electronic commitment payment certificate.
[163] The general technicians of this field can understand and implement all or parts of steps in the aforesaid examples that can complete the procedure by controlling relevant hardware, and the said procedure can be stored in a readable storage media of a computer such as ROM/RAM, disk and light disk.
[164] The preferred embodiments of the present invention have been described with reference to the above accompanying drawings, which are not to limit the scope of the present invention. It will be apparent to those skilled in this field that various modifications, equivalents, and improvements may be made without departing from the scope and spirit of this invention.
Claims (17)
- [Claim 1] A
payment system based on the same Funds-Management server, comprising at least one client, at least one merchant, an information centre server and a Funds-Management server, respectively, with the client, the merchant and the Information centre server connection, where:
The merchant sends payment request information including at least a payment amount to the Funds-Management server;
The merchant is used for receiving an electronic commitment payment certificate sent by the Funds-Management server;
A Funds-Management server for receiving the payment request information sent by the client;
Comparing a merchant account funds balance with a payment amount to determine whether an electronic commitment payment certificate can be created; if yes, the second funds-management server freezing the funds balance within the merchant account, the funds balance corresponding to the payment amount; generating the electronic commitment payment certificate for the funds-management server to commit to pay funds according to an agreed condition, and sending the electronic commitment payment certificate to a merchant to make a credit commitment payment on behalf of the merchant.
The information centre server for storing and supervising the electronic commitment payment certificate information. - [Claim 2] A payment system based on the same Funds-Management server according to claim 1, wherein the Funds-Management server is a single physical server or a cluster server of a bank;
- [Claim 3] The payment system based on the same Funds-Management server according to Claim 1 or 2, wherein if the balance of the client account fund is less than the payment amount, the client account credit overdraft limit and the payment amount are compared and the electronic commitment payment certificate can be determined to judge if the electronic commitment payment certificate can be generated for credit commitment payment.
- [Claim 4] According to the network payment method based on the same Funds-Management servers in Claim 3, if the merchant account credit loan limit is less than the payment amount, then compare the credit overdraft limit in the merchant account with the payment amount to determine whether to generate the electronic commitment payment certificate to make a credit commitment payment.
- [Claim 5] A network payment method based on the same Funds-Management server according to Claim 1 or 2, wherein if the balance of the merchant account funds is less than the payment amount, the merchant account credit loan limit and the payment amount will be compared to determine whether to generate electronic commitment payment credit for credit commitment payment.
- [Claim 6] According to the network payment method based on the same Funds-Management servers in Claim 5, if the merchant account credit loan limit is less than the payment amount, then compare the credit overdraft limit in the merchant account with the payment amount to determine whether to generate the electronic commitment payment certificate to make a credit commitment payment.
- [Claim 7] A network payment method based on the same Funds-Management servers is comprised of the following steps:
The Funds-Management server receives the payment request information transmitted by the merchant, wherein the payment request information includes at least the payment amount;
Comparing the merchant account fund balance and the payment amount to determine whether or not an electronic commitment payment certificate can be generated to make a credit commitment payment;
If possible, the Funds-Management server freezing the funds corresponding to the payment amount in the merchant account; generating an electronic commitment payment certificate promised by the Funds-Management server to disburse the funds according to the agreed condition. The electronic commitment payment certificate information is sent to the merchant for credit commitment payment for the merchant, and the electronic commitment payment certificate shall be synchronized to the information centre server. - [Claim 8] The network payment method based on the same Funds-Management server according to claim 7, wherein if the balance of the merchant account funds is less than the payment amount, the merchant account credit overdraft limit and the payment amount will be compared to determine whether to generate electronic commitment payment certificate for credit commitment payment.
- [Claim 9] According to the network payment method based on the same Funds-Management servers in Claim 8, if the merchant account credit loan limit is less than the payment amount, then compare the credit overdraft limit in the merchant account with the payment amount to determine whether to generate the electronic commitment payment certificate to make a credit commitment payment.
- [Claim 10] A network payment method based on the same Funds-Management server according to Claim 7, wherein if the balance of the merchant account funds is less than the payment amount, the merchant account credit loan limit and the payment amount will be compared to determine whether to generate electronic commitment payment credit for credit commitment payment.
- [Claim 11] According to the network payment method based on the same Funds-Management servers in Claim 10, if the merchant account credit loan limit is less than the payment amount, then compare the credit overdraft limit in the merchant account with the payment amount to determine whether to generate the electronic commitment payment certificate to make a credit commitment payment.
- [Claim 12] A payment method based on the same Funds-Management server according to Claim 7, wherein the method further comprises:
The merchant transmits payment request information to the Funds-Management server, wherein the payment request information includes customer information, merchant information, and merchandise information. - [Claim 13] According to the payment method based on the same Funds-Management servers in Claim 12, after that it includes:
The Funds-Management server receives the payment information, synchronizes the payment information to the information centre server, and allocates the frozen funds to the account of the merchant. - [Claim 14] A payment device based on the same Funds-Management server, said apparatus comprising a receiving module, a judging module and a processing module, wherein.
A receiving module configured to receive payment request information sent by the merchant, wherein the payment request information includes a payment amount;
A judgement module configured to determine whether or not to allow payment based on the merchant account fund balance and the payment amount;
The processing module is configured to freeze the said payment amount corresponded funds or credit overdraft limit or credit loan limit within the merchant account when payment is set as allowable, generate an electronic commitment payment certificate, and transmit the electronic commitment payment certificate information to the merchant, and synchronized to the information centre server. - [Claim 15] The payment device according to claim 14, wherein the processing module further comprises a freezing unit, a credential generation unit, and a synchronization unit, wherein:
The freezing unit is set to freeze the corresponding quota equal to the payment amount in the merchant account when payment is allowed;
A certificate generation unit configured to generate an electronic commitment payment certificate;
A synchronization unit configured to transmit the electronic commitment payment certificate information to the merchant and synchronize to the information centre server. - [Claim 16] The payment device according to Claim 15, wherein the processing module further comprises a transferring unit which is configured to receive the payment information and then allocate the funds equal to the payment amount To the Funds-Management server.
- [Claim 17] A server based on the same Funds-Management server, said server comprising a payment device according to any one of Claims 14-16.
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510217988.1A CN106203975A (en) | 2015-04-30 | 2015-04-30 | Payment system based on same fund server and method of payment, device and server |
| CN201510217988.1 | 2015-04-30 | ||
| PCT/CN2015/080048 WO2016173035A1 (en) | 2015-04-30 | 2015-05-28 | Payment system based on shared funds-management server, and method, device and server therefor |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CA2987800A1 true CA2987800A1 (en) | 2016-11-03 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2987800A Pending CA2987800A1 (en) | 2015-04-30 | 2015-05-28 | Payment system based on shared funds-management server, and method, device and server therefor |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106203975A (en) |
| CA (1) | CA2987800A1 (en) |
| WO (1) | WO2016173035A1 (en) |
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| CN113095747B (en) * | 2021-03-04 | 2022-05-17 | 支付宝(杭州)信息技术有限公司 | Electronic bill of lading circulation method and device based on block chain technology |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP1396805A4 (en) * | 2001-06-11 | 2006-11-08 | Sony Corp | Electronic money system |
| CN101334885A (en) * | 2008-08-06 | 2008-12-31 | 中国工商银行股份有限公司 | Account data processing system based on network |
| CN102968715B (en) * | 2012-11-02 | 2017-06-13 | 汇付天下有限公司 | A kind of payment control method and system based on credit data |
| CN104200356A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Data processing system and method suitable for financing payment |
-
2015
- 2015-04-30 CN CN201510217988.1A patent/CN106203975A/en active Pending
- 2015-05-28 WO PCT/CN2015/080048 patent/WO2016173035A1/en active Application Filing
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| WO2016173035A1 (en) | 2016-11-03 |
| CN106203975A (en) | 2016-12-07 |
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