CA2988813A1 - Cross-funds management server-based payment system, and method, device and server therefor - Google Patents
Cross-funds management server-based payment system, and method, device and server thereforInfo
- Publication number
- CA2988813A1 CA2988813A1 CA2988813A CA2988813A CA2988813A1 CA 2988813 A1 CA2988813 A1 CA 2988813A1 CA 2988813 A CA2988813 A CA 2988813A CA 2988813 A CA2988813 A CA 2988813A CA 2988813 A1 CA2988813 A1 CA 2988813A1
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- 238000000034 method Methods 0.000 title claims abstract description 31
- 230000008014 freezing Effects 0.000 claims description 13
- 238000007710 freezing Methods 0.000 claims description 13
- 238000012545 processing Methods 0.000 claims description 12
- 238000012546 transfer Methods 0.000 claims description 4
- 238000007726 management method Methods 0.000 description 113
- 230000000694 effects Effects 0.000 description 5
- 230000005540 biological transmission Effects 0.000 description 4
- 230000006870 function Effects 0.000 description 4
- 238000010586 diagram Methods 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 2
- 230000008569 process Effects 0.000 description 2
- 230000009711 regulatory function Effects 0.000 description 2
- 238000004458 analytical method Methods 0.000 description 1
- 230000001276 controlling effect Effects 0.000 description 1
- 239000000284 extract Substances 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
- 238000012544 monitoring process Methods 0.000 description 1
- 238000012954 risk control Methods 0.000 description 1
Classifications
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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
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
Abstract
Disclosed are a cross-funds management server-based payment system, and a method, device and server therefor, belonging to the field of e-commerce. The method comprises: a second funds management server receives payment request information sent by a client end; the sum of a credit overdraft limit and a credit loan limit of the client end is compared with a payment amount, and it is determined whether an electronic commitment payment certificate can be opened; if so determined, the second funds management server respectively freezes the credit overdraft limit and the credit loan limit within a client end account, the credit overdraft limit and the credit loan limit corresponding to the payment amount; the electronic commitment payment certificate for the second funds management server to commit to pay funds according to an agreed condition is generated, and the electronic commitment payment certificate is sent to a merchant end to perform a credit commitment payment on behalf of the client end. 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
CROSS-FUNDS MANAGEMENT SERVER-BASED PAYMENT SYSTEM, AND METHOD, DEVICE AND SERVER THEREFOR
[1] [Technical Field]
[1] [Technical Field]
[2] This invention involves e-commerce field, especially a kind of cross Funds-Management servers 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 a cross Funds-Management 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 a cross Funds-Management server comprising at least one client, at least one Merchant and a second Funds-Management server connected to the client and a first Funds-Management server connected to the Merchant, wherein:
[10] The said client for sending payment request information including at least the payment amount to the said second Funds-Management server;
[11] The said Merchant for receiving the electronic commitment payment certificate sent by the second Funds-Management server;
[12] The second Funds-Management server is used for receiving payment request information sent by the client; comparing the sum of the credit loan limit and overdraft limit with payment amount to determine whether an electronic commitment payment certificate can be created; if yes, the Funds-Management server respectively freezes the credit loan limit and overdraft limit within client account, making the frozen amount are greater or equal to the payment amount; generating the electronic commitment payment certificate for the Funds-Management server to commit payment according to an agreed condition, and sending the electronic commitment payment certificate to merchant to make a credit commitment payment on behalf of the client.
[13] The first Funds-Management server is configured to store the electronic payment document information transmitted by the second Funds-Management server and allocate the received payment amount to the Merchant and account based on the electronic payment document information;
[14] According to another aspect of the present invention, there is a network payment method based on cross Funds-Management server, the method comprises the following steps:
[15] The second Funds-Management server receives the payment request information sent by the client, wherein the payment request information includes at least the payment amount;
[16] Compare the sum of the credit loan limit and overdraft limit with the payment amount to determine whether or not an electronic commitment payment certificate is issued to commit to payment;
[17] If yes, the second Funds-Management server respectively freezes the credit loan limit and overdraft limit within a client account, making the frozen amount are greater or equal to the payment amount; generating the electronic commitment payment certificate for the second Funds-Management server to commit to payment according to an agreed condition, and sending the electronic commitment payment certificate information to merchant to make a credit commitment payment on behalf of the client.
[18] A payment device based on the cross Funds-Management server, the said device comprising a receiving module, a judging module and a processing module, wherein.
[19] A receiving module is configured to receive payment request information transmitted by the client connected with the second Funds-Management server, wherein the payment request information includes a payment amount;
[20] A judgement module is configured to compare the sum of the credit loan limit and overdraft limit with the payment amount to determine whether an electronic conunitment payment certificate can be created;
[21] The processing module is configured to freeze the credit loan limit and the credit loan limit in the client account respectively when the payment is allowed making the total frozen amount is greater than or equal to the payment amount; generating the electronic commitment payment certificate, and sending the electronic commitment payment certificate message to the merchant connected to first Funds-Management server.
[22] A server based on cross Funds-Management servers, the said server comprises the payment device described any one of above claim.
[23] The present invention provides a payment system based on cross Funds-Management server and its method, device and server, supervises the information of the buyers and sellers through the Funds-Management server, and the regulatory function is merged into the bank or other institutions with payment ability; meanwhile, it freezes credit overdraft limit and credit loan limit of the client and generates electronic commitment payment certificates to monitor in real-time, and reduces the risk of funds to protect the interests of buyers and sellers; this program makes full use of the function of the credit centre and risk control centre of the Funds-Management server to facilitate the security of on-line transactions and guarantee transaction funds safety with a more optimized credit mechanism, providing a credit media for both parties of the transaction, and reducing 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.
[24] [Brief Description]
[25] Figure 1 is a schematic diagram of the payment system based on a cross Funds server that provided by the first example of the present invention;
[26] Figure 2 is a flow chart of the payment method based on a cross Funds server provided by the second example of the present invention;
[27] Figure 3 is a flow chart of the payment method based on a cross Funds server provided by the third example of the present invention;
[28] Figure 4 is a block diagram of a payment device based on a cross Funds-Management server provided by the fourth example of the present invention;
[29] Figure 5 is a block diagram of a payment system based on a cross Funds-Management server provided by the fifth example of the present invention.
[30] [Description of the Preferred Examples
[31] 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.
[32] Example 1
[33] As shown in Figure 1, an example of the present invention provides a cross Funds-Management server payment system comprising at least one client 10, at least one merchant 20, and interconnected first fund server -based 30 and a second Funds-Management server 40, wherein:
[34] The client 10 is connected with server 40 of the second Funds-Management server for transmitting the payment request information to the second Funds-Management server 40, and the payment request information includes the payment amount.
[35] Specifically, the client 10 is suitable for the payer (buyer), such as the intelligent devices used by a client, including a mobile phone, a personal computer, and a PAD, the account information of the client 10 is to fill in when the customer registers and store to the database of the Funds-Management server, the account information of the client10 includes information such as a client ID, an account opening bank, an account name, a bank account number, and a credit balance and so on, and it may also include the client's shipping address information. The payment request information is the information that the customer has written and confirmed shipping address information after the customer purchases the specific goods/services. According to the pre-set rules, price of the goods/services, and commercial Merchants of the goods/services, the client 10 generates data package; the packet will be transmitted to the second Funds-Management server 40. The payment request information includes at least the payment amount, and may include the Merchant information and the product information. Among them, the Merchant information can be directly the Merchant's receiving account, it can also uniquely identify the Merchant information (for an example, Merchant ID), by the Funds-Management server 40 on the unique identification of the merchant from the database to find the corresponding bank account information. In the specific application, the account information of the Merchant 20 should be kept confidential with respect to the client 10, so the Merchant information is preferably the Merchant ID, and the second Funds-Management server 40 inquires the Merchant's receiving account by using the corresponding relationship between the Merchant ID and its receiving account number. In other words, the client 10 only needs to inform the second Funds-Management server 40 to which Merchant and which goods to pay the amount of funds, the second Funds-Management server 40 will be able to call out the Merchant account to implement the appropriate payment operation.
[36] The Merchant 20 is connected to the first Funds-Management server 30 for receiving the electronic commitment payment certificate transmitted by the second Funds-Management server 40.
[37] Specifically, the Merchant 20 is adapted to the recipient (Merchant), and the Merchant includes but not limited to devices such as servers, and POS machines and so on.
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 the Merchant information includes, but not limited to, Merchant ID, Merchant name, Merchant bank, Merchant account name, and bank Merchant account number. The Merchant 20 receives the electronic commitment payment voucher transmitted from the second Funds-Management server 40, and extracts the merchandise information and the goods receipt information in the electronic commitment payment voucher information to designate the merchandise transmission destination.
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 the Merchant information includes, but not limited to, Merchant ID, Merchant name, Merchant bank, Merchant account name, and bank Merchant account number. The Merchant 20 receives the electronic commitment payment voucher transmitted from the second Funds-Management server 40, and extracts the merchandise information and the goods receipt information in the electronic commitment payment voucher information to designate the merchandise transmission destination.
[38] The second Funds-Management server 40 is used for receiving payment request information sent by a client; comparing the credit loan limit and overdraft limit in the client account 10 with payment amount to determine whether an electronic commitment payment certificate can be created; if yes, freeze the credit loan limit and overdraft limit within a client account corresponding to the payment amount; generating the electronic commitment payment certificate for the second Funds-Management server to commit to payment according to an agreed condition, and sending the electronic commitment payment certificate to merchant 20.
[39] Specifically, the second Funds-Management server 40 receives the packet of the payment request information and analyses it according to the reset rule to obtain the relevant payment information including but not limited to the Merchant information, the merchandise information, and the payment amount And other necessary information, that is, to which Merchant which goods to pay the amount of money. The second Funds-Management server 40 inquires whether the sum of the credit loan limit and overdraft limit in the client account is sufficient for the current settlement, if it is insufficient, the payment is terminated, and if sufficient, respectively freeze the credit loan limit and overdraft limit within client account, making the frozen amount are greater or equal to the payment amount, until the merchant confirms the delivery or the customer confirms the receipt, carry out transfer operation and complete the deal.
[40] It is understandable that respectively freezing the credit loan limit and overdraft limit corresponding to payment amount included the following cases:
[41] 1. Only freeze the amount of credit overdraft to make the total amount of frozen greater than or equal to the amount of the payment.
[42] 2. Only the credit loan limit is frozen so that the total amount of the greater than or equal to the payment amount.
[43] 3. Respectively freeze part of the credit loan limit and credit overdraft limit in client account, making the total frozen amount greater than or equal to the amount of the payment.
[44] Specifically, the second Funds-Management server 40 may further determine whether or not the payment operation is made in accordance with the state of the electronic commitment payment certificate information, that is, the payment request is only freezing the credit loan limit and overdraft limit, transferring and deducting credit overdraft limit are conducted after confirming receipt.
[45] In the present example, the second Funds-Management server 40 may be connected to the plurality of clients 10 and via the Internet at the same time. The first Funds-Management server 30 may be connected to a plurality of Merchant terminals 20 and via the Internet at the same time. That is, the server where the Merchant 20 is located is not on the same server as the server where the client 10 is located. The second Funds-Management server 40 and the first Funds-management server 30 can be a single server in the physical sense, or it can work in parallel for multiple servers in the physical sense, such as multiple physical servers. According to the different traffic, the resources of the server are automatically allocated to realize the Funds-Management. The second Funds-Management server 40 and the first Funds-Management server 30 includes but is not limited to servers in institutions such as banks, businesses, and so on. In the practical applications, it can be understood as the same bank's cluster Funds-Management server, but not limited to banks, but also the Internet to support the flow of funds in other institutions. To supervise the the information of the buyers and sellers by the Funds-Management server which can regulate the regulatory function into the bank or other institutions with credit ability to pay.
[46] Example 2
[47] As shown in Figure 2, an example of the present invention provides a payment method based on a cross Funds-Management server for use in a Funds-Management server, which method comprises the following steps:
[48] S201, the client transmits the payment request information to the second Funds-Management server, and the payment request information includes the payment amount.
[49] Specifically, the payment request information received by the second Funds-Management server includes Merchant information, product information and payment amount, and it may also include the client information (for an example, client ID). Among them, the merchant information can be merchants' account number, and it can also be the only identification of the merchant information (such as merchant ID), to find the corresponding bank account information based on the unique identification of the business from the database by the second Funds-Management server. In the specific application, the account information of the Merchant should be kept confidential with respect to the client .so the Merchant information is preferably the Merchant ID, and the second Funds-Management server inquires the Merchant's receiving account by using the corresponding relationship between the Merchant ID and its receiving account number. In other words, the client only needs to inform the second Funds-Management server to which Merchant and which goods to pay the amount of funds, the second Funds-Management server will be able to call out the Merchant account to implement the appropriate payment operation.
[50] S202, the second Funds-Management server receives the client to send the payment request information;
[51] S203, inquiries the sum of the credit loan limit and overdraft limit, comparing the sum of the credit loan limit and overdraft limit with the payment amount, if the sum is greater than or equal to the amount, it is sufficient; if the sum is less than the amount, it is insufficient.
When the credit loan limit and overdraft limit is sufficient, execute the Step S204, otherwise terminate, not to pay;
When the credit loan limit and overdraft limit is sufficient, execute the Step S204, otherwise terminate, not to pay;
[52] S204, the second Funds-Management server freezes the credit loan limit and overdraft limit corresponding to the payment amount; it is understandable that freezing the credit loan limit and overdraft limit corresponding to the payment amount includes the following circumstances:
[53] 1. Only to freeze the amount of credit overdraft limit, so that the total amount of frozen are greater than or equal to the amount of the payment.
[54] 2. Only the credit loan limit is frozen so that the total amount of the greater than or equal to the payment amount.
[55] 3. Respectively freeze part of the credit loan limit and credit overdraft limit in the client account, making the total frozen amount is greater than or equal to the amount of the payment.
[56] S205, the second Funds-Management server generates the electronic commitment payment certificate based on the payment request information and the freezing information and transmits the electronic conunitrnent payment certificate to the Merchant;
[57] Specifically, since the payment request information is sent by the buyer to the second Funds-Management server through the client's operation, the payment information is objectively confirmed by the customer and authorized by the bank. The second Funds-Management server freezes the corresponding funds and generates an electronic commitment payment certificate based on the payment information, and the Merchant provides the corresponding merchandise/service according to the electronic commitment payment certificate.
[58] S206, the second Funds-Management server sends the electronic payment certificate to the Merchant and synchronizes to the first Funds-Management server; Specifically, this step sends the generated electronic certificate information to the client or the merchant for the subsequent tracking.
[59] S207, the second Funds-Management server receives the payment information;
[60] S208, the second Funds-Management server allocates the funds corresponding to the freezing amount to the first Funds-Management server;
[61] S209, the first Funds-Management server transfers the received payment amount to the account of the Merchant.
[62] The payment method provided by the example of the present invention, through receiving the payment request information of the client via the second Funds-Management server, determining whether the payment is permitted based on the sum of the credit loan limit and overdraft limit of the client, and freezing the credit loan limit and overdraft limit of the client account, generating electronic commitment payment certificate for real-time supervision, reduces the risk of funds and protects the interests of the buyers and the sellers.
[63] Example 3
[64] As shown in Figure 3, an example of the present invention provides a payment method of the credit overdraft and loan limit, which is applied in the payment system of the same Funds-Management server in Figure 1, and comprises the following steps:
[65] S301, the client sends the payment request information to the second Funds-Management server, and the payment request information includes at least the payment amount.
[66] And the payment request information is composed of a plurality of data packets, including at least the Merchant information, the product 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 client, 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 client 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.
[67] The way the client sends payment request information to the second 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 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 password 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.
[68] S302, the Funds-Management server receives the payment request information sent by the client.
[69] Specifically, the payment request information received by the second Funds-Management server includes Merchant information, product information and payment amount, and it may also include the client information (for an example, client ID). Among them, the merchant information can be merchants' account number, and it can also be the only identification of the merchant information (such as merchant ID), to find the corresponding bank account information based on the unique identification of the business from the database by the second Funds-Management server. In the specific application, the account information of the Merchant should be kept confidential with respect to the client .so the Merchant information is preferably the Merchant ID, and the second Funds-Management server inquires the Merchant's receiving account by using the corresponding relationship between the Merchant ID and its receiving account number. In other words, the client only needs to inform the second Funds-Management server to which Merchant and which goods to pay the amount of funds, the second Funds-Management server will be able to call out the Merchant account to implement the appropriate payment operation.
[70] S303, inquiries the sum of the credit loan limit and overdraft limit, comparing the sum of the credit loan limit and overdraft limit with the payment amount, if the sum is greater than or equal to the amount, it is sufficient; if the sum is less than the amount, it is insufficient.
When the credit loan limit and overdraft limit is sufficient, execute Step S305, or execute steps S304;
When the credit loan limit and overdraft limit is sufficient, execute Step S305, or execute steps S304;
[71] When the credit loan limit and overdraft limit is sufficient, execute Step S305, or else execute step s304;
[72] S305, judges whether the funds balance is sufficient; the sufficiency can be understood in several cases:
[73] 1. If the sum of the credit loan limit and overdraft limit and part of the funds balance in the client account is greater than or equal to the amount of the payment, then the funds is considered sufficient, and conversely, insufficient;
[74] 2. When the funds balance is greater than or equal to the amount of the payment, it is considered that the funds is sufficient, and conversely, it is not sufficient.
[75] Specifically, the funds amount for using can be the amount specified by the client, or it is default to the amount of the current payment lacked. For example, when the price of a product selected by the customer is 1,500 Yuan (payment amount), if in the customer end account funds the credit loan limit and overdraft limit is only 900 Yuan, then funds balance of 600 Yuan is needed in order to meet the allowable payment standard to commit the payment. Of course, the using of another way, such as directly using funds balance of 1,500 Yuan to pay, is also feasible.
[76] S306, the second Funds-Management server freeze the credit loan limit and overdraft limit respectively, so that the total frozen amount are greater than or equal to the amount of the payment, and it can be specifically divided into the following forms:
[77] 1. Only the balance of the funds in the client account is frozen so that the total amount of the frozen is greater than or equal to the payment amount.
[78] 2. Only the credit loan limit is frozen so that the total amount of the greater than or equal to the payment amount.
[79] 3. Only to freeze the amount of credit overdraft limit, so that the total amount of frozen are greater than or equal to the amount of the payment.
[80] 4. Respectively, to freeze the balance of funds and credit overdraft limit of the client's account, making the total amount of frozen greater than or equal to the amount of the payment.
[81] 5. Respectively, to freeze part of the balance of funds and credit loan limit of the client's account, making the total amount of frozen greater than or equal to the amount of the payment.
[82] 6. Respectively, to freeze part of the credit loan limit and credit overdraft limit of the client's account, making the total amount of frozen greater than or equal to the amount of the payment.
[83] 7. Respectively freeze part of the credit loan limit and credit overdraft limit, as well as the funds balance, making the total amount frozen greater than or equal to the amount of the payment.
[84] S307, the second Funds-Management server generates the electronic commitment payment certificate according to the payment request information and the freezing information;
[85] Specifically, since the payment request information is sent by the buyer to the second Funds-Management server through the client's operation, the payment information is objectively confirmed by the customer and authorized by the bank. The second Funds-Management server will freeze the corresponding the funds balance, or credit overdraft limit or credit loan limit; meanwhile, it will generate an electronic commitment payment certificate based on the payment information, and the merchant will provide the corresponding goods/services according to the electronic commitment payment certificate.
[86] S308, the second Funds-Management server sends the electronic payment certificate to the Merchant and synchronizes to the first Funds-Management server;
[87] S309, the second Funds-Management server receives the payment information; it should be noted that In Step S408, the Merchant sends and receives the payment information to the Funds-Management server only as an example, and in practice, the client, a logistics server, or other entity that is aware of the delivery status to send payment information to the Funds-Management server.
[88] S310, the second Funds-Management server allocates the funds corresponding to the freezing amount to the first Funds-Management server; it is understood that there will be a corresponding matching fund allocation scheme according to the different freezing methods in Step S306, and the funds allocated to the account of the Merchant.
[89] S311, the first Funds-Management server transfers the received payment amount to the account of the Merchant
[90] Finally, the process is ended.
[91] The example of the present invention, on the basis of the second example, not only facilitates the buyer, but also greatly enriches the business of the bank or other institution with the credit payment ability by increasing the credit overdraft limit function; Keeping Buyers and sellers' electronic commitment certificate to track synchronization, the flow of goods and the flow of funds trajectory can be effective combined to protect the interests of both buyers and sellers effectively.
[92] Example 4
[93] As shown in Figure 4, 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:
[94] A receiving module 301 is configured to receive payment request information transmitted by the first terminal connected with the second Funds-Management server, wherein the payment request information includes a payment amount;
[95] Specifically, the payment request information received by the receiving module 301 includes Merchant information, product information and payment amount, and may include the client 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 client, so the merchant information should be the merchant ID, that is, the client 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.
[96] The judgement module 302 is configured to determine whether or not a payment is permitted based on the client credit loan and overdraft limit and the payment amount;
[97] As a preferred scheme, the judgement module 302 is specifically configured to inquiry credit loan limit and overdraft limit in the client account; and determine whether credit loan limit and overdraft limit is greater than or equal to the payment amount, if yes, it is allowed to pay. In this way, first determine the payment ability of the sum of credit loan limit and overdraft limit and preferentially use the account' credit loan limit and overdraft limit, which can shorten the payment cycle to protect the interests of merchants. The bank account or the credit card account may be notified by the client to the device in the payment request information, or the device may inquire from the database based on the client information and obtain the funds corresponding to credit loan limit and overdraft limit. Only credit loan limit and overdraft limit in the client account are more than or equal to the payment amount, the client has the ability to pay, and then the payment behaviour is allowed to conduct.
[98] As another preferred example, the judgement module 302 is also configured to ask the client whether funds balance is needed when the sum of the credit loan limit and overdraft limit is less than the payment amount; if it needs, then the application of funds balance is issued to allow the payment; if not, terminate the payment. In addition, it not only to facilitate the buyer, but also greatly enrich the bank or other institutions with credit ability to pay the business. When using a Funds-Management server to obtain a bank account or credit card account based on the Funds-Management server, a customer may have multiple accounts, and a mixed payment method may also be used. For example, when the price of a commodity selected by the customer is 1,500 Yuan (the payment amount), the sum of the credit loan limit and overdraft limit is only 900 Yuan, then the amount of money that the customer can use to pay is a total of 900 Yuan, which will not be able to pay;
If the client account has funds balance of 600 Yuan, so by applying the use of funds balance of 600 Yuan, then they have 1,500 Yuan for using, payment behaviour can be implemented.
If the client account has funds balance of 600 Yuan, so by applying the use of funds balance of 600 Yuan, then they have 1,500 Yuan for using, payment behaviour can be implemented.
[99] The processing module 303 is configured to freeze the credit loan limit and overdraft limit and funds balance in the client account respectively when the payment is allowed, making the total amount frozen are greater than or equal to the payment amount;
generating the electronic commitment payment certificate, send the electronic commitment payment certificate message to the merchant connected to the first Funds-Management server.
generating the electronic commitment payment certificate, send the electronic commitment payment certificate message to the merchant connected to the first Funds-Management server.
[100] Preferably, the processing module 303 further includes a freeze unit 3031, a credential generation unit 3032, and a synchronization unit 3033, wherein:
[101] The freezing unit 3031 is configured to freeze the credit loan limit and overdraft limit, as well as funds balance in client account, making the frozen amount are greater or equal to the payment amount;
[102] The credential generation unit 3032 is configured to generate an electronic commitment payment document;
[103] A synchronization unit 3033 is configured to transmit the electronic commitment payment certificate information to the Merchant.
[104] In addition, the freezing unit 303 is configured to freeze the credit loan limit and overdraft limit and funds balance in the client account respectively when the payment is allowed, making the total amount frozen are greater than or equal to the payment amount;
[105] It is important to note that the technical features of the above-described method examples 2 and 3 are applicable in the present apparatus and are not repeated here.
[106] In addition, the present invention provides a Funds-Management server including a payment device in the Example 4, which is not repeated here.
[107] The payment method provided by the example of the present invention receives the payment request information of the client through the Funds-Management server, the client account funds amount, the client account credit overdraft limit and the client account credit loan limit will be based to determine whether to allow payment, and by freezing funds and credit loan limit in the client account making the total frozen amount greater than or equal to the payment amount, and generating electronic commitment payment certificate for conducting real-time monitoring, it 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 enrich the bank or other institutions with credit ability to pay the business.
[108] Example 5
[109] As shown in Figure 5, a preferred example of the present invention provides a payment system based on a cross Funds-Management server, which includes at least one client 10, at least one Merchant 20, and interconnected second Funds-Management server 40 and a first Funds-Management server 30 that connects with the Merchant 20, wherein:
[110] The client 10 includes a payment request module 101 configured to send payment request information to the second Funds-Management server 40, and the payment request information includes Merchant information, product information, and payment amount.
[111] The merchant 20 includes a certificate receiving module 201 and a certificate updating module 202, wherein the certificate receiving module 201 is configured to receive the electronic commitment payment certificate sent by the fund managing server 40.
[112] The second Funds-Management server 40 includes a receiving module 301, a judgement module 302, and a processing module 303, wherein:
[113] The receiving module 301 is configured to receive payment request information transmitted by the merchant, wherein the payment request information includes a payment amount.
[114] The judgement module 302 is configured to compare the sum of the credit loan limit and overdraft limit within client account with the payment amount to determine whether the electronic commitment payment certificate can be issued;
[115] As a preferred example, the judgement module 302 is configured to determine whether the credit loan limit and overdraft limit within client account in the client account is greater than or equal to the amount of the payment, and if so, the payment is allowed;
or to further determine whether the funds balance is greater than or equal to the payment amount, if so, allow to pay.
or to further determine whether the funds balance is greater than or equal to the payment amount, if so, allow to pay.
[116] The processing module 303 is configured to freeze the balance of the funds corresponding to the payment amount in the client account when the payment is allowed, and generate the electronic commitment payment certificate to transmit the electronic commitment payment certificate information to the Merchant.
[117] As a preferred example, the receiving module 301 of the Funds-Management server 40 is also provided to receive the payment information; the processing module 303 also includes a transferring module, which is configured to receive the payment information, synchronize the payment information to the merchant and the client, and the funds that equal to the payment amount will be transferred to the account of the Merchant.
[118] Specifically, since the payment request information is sent by the buyer to the second Funds-Management server 40 through the client 10, the payment information is objectively obtained by the client 10 confirming and authorizing the bank to pay. The second Funds-Management server 40 respectively freezes the corresponding the credit loan limit and overdraft limit, and generates an electronic commitment payment certificate based on the payment information. The electronic commitment payment certificate information includes but is not limited to commodity information, payment amount (frozen funds or credit overdraft limit or credit loan limit), delivery address and validity period, and the form is 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.
[119] 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 medium of a computer such as ROM/RAM, disk and light disk.
[120] The preferred example 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 (10)
- [Claim 1] A payment system based on a cross Funds-Management server comprising at least one client, at least one Merchant and a second Funds-Management server connected to the client and a first Funds-Management server connected to the Merchant, wherein:
The client is used for sending payment request information including at least a payment amount to the second Funds-Management server;
The Merchant is used for receiving an electronic commitment payment certificate sent by said first Funds-Management server;
The second Funds-Management server is used for receiving payment request information sent by the client; comparing the sum of the credit loan limit and overdraft limit with payment amount to determine whether an electronic commitment payment certificate can be created; if yes, the Funds-Management server respectively freezes the credit loan limit and overdraft limit within client account, making the frozen amount are greater or equal to the payment amount;
generating the electronic commitment payment certificate for the Funds-Management server to commit payment according to an agreed condition, and sending the electronic commitment payment certificate to merchant to make a credit commitment payment on behalf of the client.
The Funds-Management server for storing the electronic payment document information transmitted by the second Funds-Management server and allocating the received payment amount to the Merchant account based on the electronic payment certificate information; - [Claim 2] A payment system based on the cross 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] A network payment method based on the cross Funds-Management servers is comprised of the following steps:
The second Funds-Management server receives the payment request information transmitted by the client and the payment request information includes at least the payment amount;
By comparing the sum of the credit loan limit and overdraft limit within client account with the payment amount to determine whether or not an electronic commitment payment certificate is generated to commit the payment;
If yes, the second Funds-Management server respectively freezes the credit loan limit and overdraft limit within a client account, making the frozen amount are greater or equal to the payment amount; generating the electronic commitment payment certificate for the second Funds-Management server to commit to payment according to an agreed condition, and sending the electronic commitment payment certificate information to merchant to make a credit commitment payment on behalf of the client. - [Claim 4] A payment method based on a cross Funds-Management server according to claim 3, and the method also comprises:
When the sum of the credit overdraft amount and the credit line amount of the client account is less than the payment amount, inquire whether the client needs to use the fund balance; if the fund balance is needed, apply to the client account to use enough fund balance, and determine if payment is allowed, if do not need to use the balance of funds, then terminate the payment. - [Claim 5] A payment method based on a cross Funds-Management server according to claim 3 or 4, and the method also comprises:
The client transmits payment request information to the second Funds-Management server, and the payment request information includes customer information, Merchant information, and product information. - [Claim 6] A payment method based on a cross Funds-Management server according to claim 3 or 4, wherein the method also comprises:
The second Funds-Management server receives the payment information, synchronizes the solution information to the client or the merchant, and allocates the frozen funds to the merchant account associated with the first Funds-Management server. - [Claim 7] A payment device based on a cross Funds-Management server, the apparatus comprising a receiving module, a judging module and a processing module, wherein.
A receiving module is configured to receive payment request information transmitted by the client connected with the second Funds-Management server, wherein the payment request information includes a payment amount;
The judgement module is configured to compare the sum of the credit loan limit and overdraft limit in client account with the payment amount to determine whether or not an electronic commitment payment certificate can be issued;
The processing module is configured to freeze the credit loan limit and the credit loan limit in the client account respectively when the payment is allowed making the total frozen amount is greater than or equal to the payment amount;
generating the electronic commitment payment certificate, and sending the electronic commitment payment certificate message to the merchant connected to first Funds-Management server. - [Claim 8] The payment device according to claim 7, wherein the processing module further includes a freeze unit, a certificate generation unit, and a synchronization unit, wherein:
The freezing unit is configured to freeze the corresponding quota of the credit loan limit and overdraft limit in client account, making the total amount of frozen is greater than or equal to the amount of the payment;
A certificate generation unit configured to generate an electronic commitment payment certificate;
A synchronization unit is configured to transmit the electronic commitment payment certificate information to the merchant. - [Claim 9] The payment device based on claim 7, wherein the processing module further comprises a transfer unit configured to receive the payment information, and synchronize the payment information to the client or the merchant, and allocating the frozen funds to the account of the merchant.
- [Claim 10] A server based on a cross Funds-Management server the server comprising a payment device according to any one of claims 7-9.
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510218811.3A CN106204006A (en) | 2015-04-30 | 2015-04-30 | Based on across the payment system of fund server and method, device and server |
| CN201510218811.3 | 2015-04-30 | ||
| PCT/CN2015/080087 WO2016173053A1 (en) | 2015-04-30 | 2015-05-28 | Cross-funds management server-based payment system, and method, device and server therefor |
Publications (1)
| Publication Number | Publication Date |
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| CA2988813A1 true CA2988813A1 (en) | 2016-11-03 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2988813A Pending CA2988813A1 (en) | 2015-04-30 | 2015-05-28 | Cross-funds management server-based payment system, and method, device and server therefor |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106204006A (en) |
| CA (1) | CA2988813A1 (en) |
| WO (1) | WO2016173053A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111353876A (en) * | 2020-03-31 | 2020-06-30 | 中国建设银行股份有限公司 | Quota allocation method, device, equipment and storage medium |
Families Citing this family (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109711992B (en) * | 2017-10-26 | 2023-03-14 | 财付通支付科技有限公司 | Resource transfer method, device, system, electronic device and medium |
| CN110232627A (en) * | 2018-03-06 | 2019-09-13 | 上海秦苍信息科技有限公司 | Introduce fund management-control method, system and the electronic equipment of the external sources of finance |
| CN112801738A (en) * | 2021-01-27 | 2021-05-14 | 苏州中仑网络科技有限公司 | Information processing method and device for supply chain platform |
| CN112801651A (en) * | 2021-01-27 | 2021-05-14 | 苏州中仑网络科技有限公司 | Information processing method and device for supply chain platform |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002197398A (en) * | 2000-12-27 | 2002-07-12 | Juki Corp | Commodity trading system, commodity trading method and record medium storing commodity trading program |
| CN1458631A (en) * | 2002-05-13 | 2003-11-26 | 王森林 | Small sum of money on-spot payment method using moving equipment as payment carrier |
| CN103489104A (en) * | 2013-09-18 | 2014-01-01 | 俞强华 | Security payment method and system |
| CN103886449A (en) * | 2014-04-11 | 2014-06-25 | 闻进 | Visible-code-based payment method and system with multiple security combination mechanisms |
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2015
- 2015-04-30 CN CN201510218811.3A patent/CN106204006A/en active Pending
- 2015-05-28 WO PCT/CN2015/080087 patent/WO2016173053A1/en active Application Filing
- 2015-05-28 CA CA2988813A patent/CA2988813A1/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111353876A (en) * | 2020-03-31 | 2020-06-30 | 中国建设银行股份有限公司 | Quota allocation method, device, equipment and storage medium |
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| Publication number | Publication date |
|---|---|
| WO2016173053A1 (en) | 2016-11-03 |
| CN106204006A (en) | 2016-12-07 |
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