CA2986818A1 - Payment system based on different funds servers, and payment method, device and server therefor - Google Patents
Payment system based on different funds servers, and payment method, device and server thereforInfo
- Publication number
- CA2986818A1 CA2986818A1 CA2986818A CA2986818A CA2986818A1 CA 2986818 A1 CA2986818 A1 CA 2986818A1 CA 2986818 A CA2986818 A CA 2986818A CA 2986818 A CA2986818 A CA 2986818A CA 2986818 A1 CA2986818 A1 CA 2986818A1
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- payment
- funds
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- management server
- credit
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- 238000000034 method Methods 0.000 title claims abstract description 52
- 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 13
- 238000012546 transfer Methods 0.000 claims description 12
- 230000008520 organization Effects 0.000 claims description 2
- 238000007726 management method Methods 0.000 description 153
- 230000008569 process Effects 0.000 description 11
- 230000006870 function Effects 0.000 description 7
- 230000000694 effects Effects 0.000 description 5
- 238000010586 diagram Methods 0.000 description 3
- 230000007246 mechanism Effects 0.000 description 2
- 238000012544 monitoring process Methods 0.000 description 2
- 238000010257 thawing Methods 0.000 description 2
- 230000001276 controlling effect Effects 0.000 description 1
- 238000012937 correction Methods 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000009711 regulatory function Effects 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
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- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
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- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Disclosed are a payment system based on different funds-management servers, and a payment method, device and funds-management server therefor, belonging to the field of e-commerce. The method comprises: a second funds-management server receiving payment request information sent by a first terminal; comparing a first terminal account credit loan limit with a payment amount to determine whether an electronic commitment payment certificate can be created; if yes, the second funds-management server freezing the credit loan limit within the first terminal account, the credit loan limit 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 second terminal to perform a credit commitment payment on behalf of the first terminal. 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 DIFFERENT FUNDS SERVERS, AND PAYMENT
METHOD, DEVICE AND SERVER THEREFOR
[I] [Technical Field]
METHOD, DEVICE AND SERVER THEREFOR
[I] [Technical Field]
[2] This invention involves E-commerce field, and especially involves a payment system based on different funds servers, 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. This shows that at this stage the need for new payment systems, methods, devices and Funds-Management server to reduce the risk of user funds 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 different fund servers 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] According to one aspect of the present invention, there is provided a payment system based on a different fund server, comprising at least one first terminal, at least one second terminal, a second Funds-Management server connected to the first terminal, and the first Funds-Management server connected to the second terminal, the first Funds-Management server connected to the second fund server, wherein:
[10] The said first terminal for delivering payment request information including at least a payment amount to the said second Funds-Management server;
[11] The said second terminal for receiving a payment certificate of electronic commitment delivered by said first Funds-Management server;
[12] The second funds server is used for receiving payment request information sent by the first terminal, comparing the first terminal account's credit overdraft limit with the payment amount to determine whether an electronic commitment payment certificate can be created;
if yes, the second Funds-Management server freezes corresponding amount of the credit overdraft limit equal to the payment amount within the first terminal account, then generating the electronic commitment payment certificate for the Funds-Management server according to an agreed condition, and sending the electronic commitment payment certificate to a second terminal to make a credit commitment payment on behalf of the first terminal.
if yes, the second Funds-Management server freezes corresponding amount of the credit overdraft limit equal to the payment amount within the first terminal account, then generating the electronic commitment payment certificate for the Funds-Management server according to an agreed condition, and sending the electronic commitment payment certificate to a second terminal to make a credit commitment payment on behalf of the first terminal.
[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 electronic payment document information based on the electronic payment document information in the account of the second terminal.
[14] According to another aspect of the present invention, there is provided a network payment method based on a different fund server, the method comprises the steps of:
[15] The second Funds-Management server receives the payment request information delivered by the first terminal, wherein the payment request information includes at least the payment amount;
[16] Comparing the first terminal account credit overdraft limit and the payment amount to determine whether or not an electronic commitment payment certificate is to be paid;
[17] If the said second Funds-Management server is to freeze the amount corresponding to the payment amount in the first terminal account; generating an electronic commitment payment certificate that is promised to pay the funds by the second Funds-Management server according to the agreed condition, And transmits the electronic commitment payment certificate information to the second terminal to make a credit commitment payment for the first terminal.
[18] According to one more aspect of the present invention, there is a payment device provided based on different capital servers, the apparatus is composed of a receiving module, a judging module and a processing module.
[19] The receiving module is configured to receive payment request information transmitted by the first terminal, wherein the payment request information includes the payment amount;
[20] A judgement module configured to determine whether or not to allow a credit commitment payment based on the first terminal account credit overdraft limit and the payment amount;
The processing module is configured to freeze the corresponding credit overdraft amount equal to the payment amount within the first terminal account when payment is allowed, generate an electronic commitment payment certificate, and transmit the electronic commitment payment certificate information to the second terminal.
According to one more aspect of the present invention, there is a server provided based on different capital servers, the server includes the payment apparatus in the above-described technical solution.
The invention provides a payment system, and its method, device and server based on different fund servers, supervises information of both buyers and sellers through the first and second Funds-Management server, and merges the supervisory function into the bank or other institutions with the credit payment capacity, meanwhile by freezing the first terminal account's overdraft credit amount, and generating electronic payment certificate, it can reduce the risk of funds to protect the interests of buyers and sellers;
this solution makes full use of the risk control center function of the first and second Funds-Management servers' credit center, promote network transactions and ensure the safety of funds by utilizing a more optimized credit mechanism, works as a credit medium for the transaction parties, and reduce the risk of funds to protect the interests of both parties to the transaction through the supervision of funds. 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.
Brief Description Figure 1 is the schematic diagram of the payment system based on different fund servers provided by an example of the present invention;
Figure 2 is the flow chart of the payment method based on different fund servers provided by an example of the present invention;
Figure 3 is the flow chart of the payment method based on different fund servers provided by an example of the present invention;
Figure 4 is the flow chart of the payment method based on different fund servers provided by an example of the present invention;
Figure 5 is the flow chart of the payment method based on different fund servers provided by an example of the present invention;
Figure 6 is the flow chart of the payment method based on different fund servers provided by an example of the present invention;
Figure 7 is a block diagram of a payment device based on a different funds server provided by an example of the present invention;
Figure 8 is the block diagram of the payment system based on different fund servers provided by an example of the present invention. Description of the Preferred Examples The present invention will be described in further detail with reference to the accompanying drawings and the accompanying drawings, 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.
Correction page (Rule 91) ISA/CN
[36] Example 1 [37] As shown in Figure 1, an example of the present invention provides the payment system based on a different funds server, which includes at least one first terminal 10, at least one second terminal 20, a connected first Funds-Management server 30, a second Funds-Management server 40, a first Funds-Management server 30 and a second terminal 20 for operating the account of the second terminal 20, and the second Funds-Management server 40 is connected to the first terminal 10 for operating the account of the first terminal 10, wherein:
[38] The first terminal 10 is configured to transmit the payment request information to the second Funds-Management server 40, wherein the payment request information includes the payment amount.
[39] Specifically, the first terminal 10 is suitable for the payment party, such as a terminal used by a client, including mobile phone, personal computer, PAD, etc., the account information of the first terminal 10 is filled in when the customer registers and stored in the database of the Funds-Management service 40, the account information of the first terminal includes customer ID, an account opening bank, account name, a bank account number, a credit balance, and so on, and may also include the customer's shipping address. The payment request information is the information such as the price (payment amount), the receipt address and the like after the customer purchases the specific goods /
services, and the first terminal 10 according to the pre-set rule, transmits the packet to the second Funds-Management server 40 according to the price of the goods / services, the goods /
services.
[40] The second Funds-Management server 40 receives the payment request information transmitted from the first terminal 10, and judges whether or not the account has payment capacity based on the payment amount, the first terminal account credit overdraft amount, the first terminal account fund balance, and the first terminal account credit loan limit. If the judgement result is yes, the amount corresponding to the payment amount in the credit amount of the first terminal account is frozen and the electronic payment certificate is generated based on the payment request information and the freezing information, and then the electronic payment certificate transmitted to the second terminal and to the first Funds-Management server synchronously.
[41] The second terminal 20 is configured to receive the electronic payment document information transmitted from the second Funds-Management server 40.
[42] Specifically, the second terminal 20 is adapted to the recipient (merchant), and the second terminal includes but not limited to devices such as servers, and POS
machines. Merchants include but not limited to manufacturers, agents, and logistics companies. The merchant information is also registered in the database of the first Funds-Management server 30, and the merchant information includes, but is not limited to, merchant ID, merchant name, merchant bank, merchant account name, merchant bank account number, etc.
[43] The first Funds-Management server 30 is configured to receive and store the electronic payment certificate information transmitted from the second Funds-Management server 40 and to allocate the received payment amount to the account of the second terminal based on the electronic payment certificate.
[44] Where the electronic payment certificate information is the key information in the payment behaviour, it facilitates subsequent follow-up of the electronic payment certificate information, and verifies whether there is an exception in the payment behaviour.
[45] In the present example, more than one first terminals 10 are connected to the second Funds-Management server 40 via the Internet, and more than one secondary terminals 20 are connected to the first Funds-Management server 30 via the Internet, that is, the server where the second terminal 20 are at and the server where the first terminal 10 are located are both Funds-Management servers. The Funds-Management server can be a single servers in a physical sense, e.g., they can work in parallel, and the resources of the server are automatically allocated to realize the Funds-Management according to the different traffic. The Funds-Management server includes but not limited to servers in organizations such as banks, businesses, and so on. In practical applications, it can be seen as the same bank's cluster Funds-Management server, but it is not limited to banks, it also supports the flow of funds in other institutions in the Internet. The information of the first Funds-Management server 30 and the second Funds-Management server 40 is supervised, and the supervisory function is incorporated into a bank or other third party organization.
[46] Example 2:
[47] As shown in Figure 2, an example of the present invention provides a payment method based on a different fund server for use in a Funds-Management server, which method comprises the steps of:
[48] S201, the first terminal 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 may include first terminal information such as a customer 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 second terminal should be kept confidential from the first terminal, so the merchant information should preferably be the merchant ID, and the second Funds-Management server inquires the merchant's receipt by using the corresponding relationship between the merchant ID and its receiving account. In other words, the first terminal only need to inform the second Funds-Management server to pay how much funds of which goods belongs to which merchant, 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 first terminal to deliver the payment request information;
[51] S203, by comparing the first terminal account credit line with the amount of payment determine whether to generate electronic commitment to pay the certificate, if allowed to pay, then go to S209, otherwise, terminate the payment, the end of the process.
[52] S209, the second Funds-Management server freezes the first terminal account credit loan limit corresponding to the payment amount within the first terminal account;
[53] This Step only freezes the credit loan line to ensure that there is sufficient fund to complete the transaction, but not directly allocates fund to the merchant account, so that the interests of buyers and sellers are guaranteed. Latter, payment information is sent by the first terminal, the second terminal or the logistics company to confirm the delivery is completed, then after the second Funds-Management server receiving the payment information, funds equal to the payment are allocated to the first Funds-Management server.
[54] S210, 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 commitment payment certificate to the second terminal;
[55] Specifically, since the payment request information is delivered by the buyer to the Funds-Management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized by the bank. The second Funds-Management server freezes the corresponding credit line amount, and generates an electronic commitment payment certificate based on the payment information, and the second terminal provides the corresponding merchandise / service according to the electronic commitment payment certificate.
[56] S211, the second funds server sends the electronic payment certificate to the second terminal and synchronizes to the first Funds-Management server;
[57] S212, the second Funds-Management server receives the payment information;
[58] S213, the second Funds-Management server transfers to the first Funds-Management server;
[ S2] S214, the first Funds-Management server transfers the received payment amount to the account of the second terminal.
[60] The payment method illustrated by the example of the present invention can reduce the risk of funds and protect the interests of buyers and sellers through the second Funds-Management server receiving the payment request information of the first terminal, determining whether or not the payment is permitted based on the first terminal account credit loan limit and the payment amount, then at the same time freezing the credit loan limit of the first terminal account, and generating electronic commitment payment certificate.
[61] Example 3 [62] As shown in Figure 3, an example of the present invention provides a payment method based on different fund servers for use in a Funds-Management server, which is comprised of the steps as follows:
[63] S201, the first terminal transmits the payment request information to the second funds-management server, and the payment request information includes the payment amount.
[64] S202, the second Funds-Management server receives the payment request information sent by the first terminal;
[65] 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 first terminal 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 second terminal should be kept confidential from the first terminal, so the merchant information should preferably be the merchant ID, and the second Funds-Management server inquires the merchant's receipt by using the corresponding relationship between the merchant ID and its receiving account. In other words, the first terminal only need to inform the second Funds-Management server to pay how much funds of which goods belongs to which merchant, the second Funds-Management server will be able to call out the merchant account to implement the appropriate payment operation.
[66] S203 compares the first terminal account's loan credit limit and the amount of payment to determine whether to generate electronic commitment payment certificate to pay the credit commitment, if allowed, go to S209, otherwise S204.
[67] S204 compares the fund balance of the first terminal account and the amount of payment to determine whether to generate electronic commitment payment certificate to pay the credit commitment, if allowed to pay, enter into S209, or end the process.
[68] Wherein the bank account of the first terminal can be informed to the second Funds-Management server by the first terminal in the payment request information, or can be queried from the database according to the first terminal ID by the second Funds-Management server.
[69] S209, the second Funds-Management server will freeze the corresponding amount of funds balance or credit loan limit equal to the payment amount in the first terminal account;
[70] This step only freezes the amount of payment or credit loan limit to ensure that there is sufficient funds to complete the transaction, but not directly allocates funds to the merchant account, so that the interests of buyers and sellers are guaranteed. Later, payment information is sent by the first terminal, the second terminal or the logistics company to confirm the delivery is completed, then after the second Funds-Management server receiving the payment information, the frozen funds or funds equal to the payment are transferred to the merchant account.
[71] S210, the second Funds-Management server generates the electronic commitment payment certificate according to the payment request information and the freezing information;
[72] Specifically, since the payment request information is sent by the buyer to the second Funds-Management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized by the bank. The second Funds-Management server freezes the corresponding amount of funds or credit overdraft, and generates an electronic commitment payment certificate based on the payment information, and the second terminal provides the corresponding merchandise /
service according to the electronic commitment payment certificate.
[73] S211, transmits the electronic payment certificate to the second terminal, and synchronizes to the first Funds-Management server.
[74] S212, the second Funds-Management server receives the payment information;
[75] S213, the second Funds-Management server transfers funds to the first Funds-Management server;
[76] S214, the first Funds-Management server will transfer the payment amount received to the second terminal account.
[77] The payment method illustrated by the example of the present invention can reduce the risk of funds and protect the interests of buyers and sellers through the second Funds-Management server receiving the payment request information of the first terminal, determining whether or not the payment is permitted based on the first terminal account credit loan limit and the funds balance, and generating electronic commitment payment certificate for real-time monitoring.
[78] Example 4 [79] As shown in Figure 4, an example of the present invention provides a payment method based on different fund servers for use in a Funds-Management server, which is comprised of the steps as follows:
[80] S201, the first terminal transmits the payment request information to the second funds-management server, and the payment request information includes the payment amount.
[81] S202, the second Funds-Management server receives the payment request information sent by the first terminal.
[82] Specifically, the payment request information received by the funds-management server includes merchant information, merchandise information and payment amount, and may include first terminal information (e.g., customer ID). Among them, the merchant information can be directly the merchant's receiving account, you can also uniquely identify the merchant information (for an example, merchant ID), by the Funds-Management server based 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 second terminal should be kept confidential with respect to the first terminal, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receivable account by using the correspondence relationship between the merchant ID and its receiving account.
In other words, the first terminal only need to inform the Funds-Management server to pay how much funds of which goods belongs to which merchant , the Funds-Management server will be able to call out the merchant account to implement the appropriate payment operation.
[83] S203, the second Funds-Management server compares the first terminal account's credit loan limit and the amount of payment to determine whether to generate electronic commitment payment certificate to pay the credit commitment, if allowed, the process proceeds to S209, otherwise to Step S204.
[84] Wherein the bank account of the first terminal can be informed to the Funds-Management server by the first terminal in the payment request, or can be queried from the database according to the first terminal ID by the Funds-Management server.
[85] S204, the second Funds-Management server compares the first terminal account's credit loan limit and the amount of payment to determine whether to generate electronic commitment payment certificate to pay the credit commitment, if allowed, the process proceeds to S209, otherwise end the process.
[86] S209, the second Funds-Management server freezes credit overdraft limit or credit loan line in the first terminal account;
[87] This Step only to freeze the amount of funds or credit limit to ensure that there is sufficient funds to complete the transaction, but not directly to the merchant account, so that the interests of buyers and sellers can be protected, the following steps can be completed by the first terminal, the second terminal or the logistics company delivering the payment information to confirm the completion of the delivery. After the Funds-Management server receives the payment information, allocates the thawing funds to the merchant account.
[88] S210, the second Funds-Management server generates the electronic commitment payment certificate according to the payment request information and the freezing information;
[89] Specifically, since the payment request information is sent by the buyer to the second Funds-Management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized by the bank. The second Funds-Management server freezes the corresponding credit loan limit, and generates an electronic commitment payment certificate based on the payment information, and the second terminal provides the corresponding merchandise / service according to the electronic commitment payment certificate.
[90] S211, transmits the electronic payment certificate to the second terminal, and synchronizes to the first Funds-Management server.
[91] S212, the second Funds-Management server receives the payment information;
[92] S213, the second Funds-Management server transfers to the first Funds-Management server;
[93] S214, the first Funds-Management server transfers the received payment amount to the account of the second terminal.
[94] The payment method illustrated by the example of the present invention can reduce the risk of funds and protect the interests of buyers and sellers through the second Funds-Management server receiving the payment request information of the first terminal, determining whether or not the payment is permitted based on the first terminal account credit loan limit and the payment amount, then at the same time freezing the credit loan amount of the first terminal account, and generating electronic commitment payment certificate.
[95] Example 5 [96] As shown in Figure 5, an example of the present invention provides a payment method based on different fund servers for use in a Funds-Management server, which is comprised of the steps as follows:
[97] S201, the first terminal transmits the payment request information to the second funds-management server, and the payment request information includes the payment amount.
[98] Specifically, the payment request information received by the second funds-management server includes merchant information, product information and payment amount, and may include first terminal information such as a customer 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 second terminal should be kept confidential from the first terminal, so the merchant information should preferably be the merchant ID, and the second Funds-Management server inquires the merchant's receipt by using the corresponding relationship between the merchant ID and its receiving account. In other words, the first terminal only need to inform the second Funds-Management server to pay how much funds of which goods belongs to which merchant, the second Funds-Management server will be able to call out the merchant account to implement the appropriate payment operation.
[99] S202, the second Funds-Management server receives the first terminal to deliver the payment request information;
[100] S203, compares the first terminal account credit loan limit and the payment amount to determine whether or not the electronic commitment payment certificate can be generated, and if the payment is allowed, the process proceeds to S209, otherwise to Step S204.
[101] S204, compares account balance and the payment amount to determine whether or not an electronic commitment payment certificate can be generated, and if the payment is allowed, the process proceeds to S209, otherwise to Step S205.
[102] S205, compare account credit overdraft limit and payment amount to determine whether to generate electronic commitment payment certificate for payment; if allowed to pay, then enter S209; otherwise, end the process.
[103] S209, the second Funds-Management server freezes the corresponding funds balance, or credit loan limit or credit overdraft amount equal to payment amount in the first terminal account;
[104] This Step only freezes the funds amount or credit loan limit to ensure that there is sufficient funds to complete the transaction, but not directly transfers funds to the merchant account, so that the interests of buyers and sellers are guaranteed. Later, payment information is sent by the first terminal, the second terminal or the logistics company to confirm the delivery is completed, then after the second Funds-Management server receiving the payment information, the frozen funds are transferred to the merchant account.
[105] S210, the second Funds-Management server generates the electronic commitment payment certificate according to the payment request information and the freezing information;
[106] Specifically, since the payment request information is sent by the buyer to the second Funds-Management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized by the bank. The second Funds-Management server freezes the corresponding funds or credit loan limit and generates an electronic commitment payment certificate based on the payment information, and the second terminal provides the corresponding merchandise / service according to the electronic commitment payment certificate.
[107] S211, transmits the electronic payment certificate to the second terminal, and synchronizes to the first Funds-Management server.
[108] S212, the second Funds-Management server receives the payment information;
[109] S213, the second Funds-Management server transfers to the first Funds-Management server;
[110] S214, the first Funds-Management server transfers the received payment amount to the account of the second terminal.
[111] The payment method provided by the example of the present invention receives the payment request information of the first terminal through the Funds-Management server, to determine whether being allowed to pay based on the credit overdraft limit of first terminal account, account funds limit of the first terminal and credit loan limit of the first terminal account, while freezing the payment amount of the first terminal account and generating electronic commitment payment certificate to complete real-time monitoring, which can reduce the risk of funds to protect the interests of buyers and sellers.
[112] Example 6 [113] As shown in Figure 6, an example of the present invention provides a payment method based on different fund servers for use in a Funds-Management server, which is comprised of the steps as follows:
[114] S201, the first terminal transmits the payment request information to the second Funds-Management server, and the payment request information includes the payment amount.
[115] S202, the second Funds-Management server receives the payment request information sent by the first terminal;
[116] 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 first terminal 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 second terminal should be kept confidential from the first terminal, so the merchant information should preferably be the merchant ID, and the second Funds-Management server inquires the merchant's receipt by using the corresponding relationship between the merchant ID and its receiving account. In other words, the first terminal only need to inform the second Funds-Management server to pay how much funds of which goods belongs to which merchant , the second Funds-Management server will be able to call out the merchant account to implement the appropriate payment operation.
[117] S203, compares the first terminal account credit loan limit and the payment amount to determine whether or not the electronic commitment payment certificate can be generated, and if the payment is allowed, the process proceeds to S209, otherwise to Step S204.
[S20] S204, compares the first terminal account credit overdraft amount and the payment amount to determine whether or not an electronic commitment payment certificate can be generated, and if it is allowed to pay, it goes to S209, otherwise proceeds to Step S205.
[119] S205, compares the balance of the first terminal account and the amount of payment to determine whether to generate electronic commitment payment certificate to pay the commitment, if allowed to pay, then enter into S209, or else end the process.
[120] S209, the second Funds-Management server freezes corresponding balance or credit limit equal to the payment amount in the first terminal account;
[121] This Step only to freeze the amount of payment or credit limit to ensure that there is sufficient funds to complete the transaction, but not directly to the merchant account, so that the interests of buyers and sellers can be protected, the following steps can be completed by the first terminal, the second terminal or the logistics company delivering the payment information to confirm the completion of the delivery. After the Funds-Management server receives the payment information, allocates the thawing funds or the same amount comparing with payment funds to the merchant account.
[122] S210, the second Funds-Management server generates the electronic commitment payment certificate according to the payment request information and the freezing information;
[123] Specifically, since the payment request information is sent by the buyer to the second Funds-Management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized by the bank. The second Funds-Management server freezes the corresponding funds or credits, and generates an electronic commitment payment certificate based on the payment information, and the second terminal provides the corresponding merchandise / service according to the electronic commitment payment certificate.
[124] S211, transmits the electronic payment certificate to the second terminal, and synchronizes to the first Funds-Management server.
[125] S212, the second Funds-Management server receives the payment information;
[126] S213, the second Funds-Management server transfers to the first Funds-Management server;
[127] S214, the first Funds-Management server transfers the received payment amount to the account of the second terminal.
[128] The payment method illustrated by the example of the present invention can reduce the risk of funds and protect the interests of buyers and sellers through the second Funds-Management server receiving the payment request information of the first terminal, determining whether or not the payment is permitted based on the first terminal account credit loan limit and the payment amount, then at the same time freezing the credit loan limit of the first terminal account, and generating electronic commitment payment certificate.
[129] Example 7 [130] As shown in Figure 7, an example of the present invention provides a payment device comprising a receiving module 301, a judging module, and a processing module 303, wherein:
[131] The receiving module 301 is configured to receive payment request information transmitted by the first terminal, wherein the payment request information includes a payment amount.
[132] Specifically, the payment request information received by the receiving module 301 includes merchant information, product information and payment amount, and may include first terminal information (for an example, customer ID). Among them, the merchant information can be directly the merchants receiving account, you can also uniquely identify the merchant information (for an example, merchant ID). In specific application, the account information of the second terminal should be kept confidential with respect to the first terminal, so the merchant information is preferably the merchant ID, that is, the first terminal simply needs to informs the Funds-Management server to pay to which merchant' goods, the device will call out the merchant account to implement corresponding payment operation.
[133] The judgement module 302 is configured to determine whether or not to allow payment based on the first terminal account fund balance or the credit overdraft limit or the credit loan limit and the payment amount.
[134] As a preferred solution, the judgement module 302 is specifically configured to determine whether the credit loan limit of the first terminal account is greater than or equal to the payment amount, and if so, payment is allowed; otherwise, it is further determined that the funds balance of the first terminal account is greater than or equal to the amount of payment, if yes, then payment is allowed; otherwise to further determine whether the first terminal account credit overdraft credit is greater than the amount of payment, if yes, then payment is allowed, or else not allowed. In this way, in turn determine the ability to pay the first terminal account, you can save the payment cycle to protect the interests of the merchant. Wherein the bank account of the first terminal may be informed to this device by the first terminal in the payment request information, or the device may inquire it from the database based on the first terminal information, and obtains the funds balance or the credit limit of the corresponding first terminal account. Only in the first terminal 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 the Funds-Management server, a customer may have multiple accounts, and a mixed payment method may also be used.
[135] The processing module 303 is configured to freeze the credit limit corresponding to the payment amount in the first terminal account when payment is allowed, and generate an electronic commitment payment certificate to deliver the electronic commitment payment certificate information to the second terminal.
[136] Preferably, the processing module 303 further includes a freezing unit 3031, a certificate generation unit 3032, and a synchronization unit 3033, wherein:
[137] The freezing unit 3031 is configured to freeze the amount corresponding to the payment amount in the first terminal account when the payment is allowed;
[138] The certificate generation unit 3032 is configured to generate an electronic commitment payment certificate;
[139] The synchronization unit 3033 is configured to transmit the electronic commitment payment certificate information to the second terminal.
[140] In addition, the processing module 303 may include a debit unit, which is configured to receive the payment information, and allocate the funds equal to the payment amount to the first Funds-Management server.
[141] It is to be noted that the technical features of the above-described method examples 2 and 3 are applicable in the present apparatus and are not repeated here.
[142] In addition, the present invention provides a Funds-Management server including a payment device in the fourth example, which is not repeated here.
[143] The payment device and the Funds-Management server can reduce the risk of funds and protect the interests of buyers and sellers through receiving the payment request information of the first terminal, determining whether or not the payment is permitted based on the first terminal account credit loan limit, and generating electronic commitment payment certificate. 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.
[144] Example 8 [145] As shown in Figure 8, a preferred example of the present invention provides a payment system based on a different funds server, which includes a first terminal 10, a second terminal 20, and a Funds-Management server 30, wherein:
[146] The first terminal 10 includes a payment request module 101 configured to deliver payment request information to the Funds-Management server 30, wherein the payment request information includes merchant information, merchandise information, and payment amount.
[147] The second terminal 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 30.
[148] The Funds-Management server 30 includes a receiving module 301, a judgement module 302, and a processing module 303, wherein:
[149] The receiving module 301 is configured to receive payment request information transmitted by the first terminal;
[150] The judgement module 302 is set to determine whether or not to allow a credit commitment payment based on the first terminal account credit loan limit and the payment amount;
[151] As a preferred example, the judgement module 302 is configured to determine whether the credit loan limit of the first terminal account is greater than or equal to the payment amount, if yes, payment is allowed; otherwise, it is further determined that the credit overdraft limit of the first terminal account is greater than or equal to the amount of payment, if yes, then payment is allowed; otherwise to further determine whether the first terminal account funds balance is greater than the amount of payment, if yes, then payment is allowed, or else not allowed.
[152] The processing module 303 is configured to freeze the credit amount or the amount of funds corresponding to the payment amount in the first terminal account when the credit commitment payment is allowed to be generated; generate the electronic commitment payment certificate, and send the electronic commitment payment certificate information to the second terminal.
[153] As a preferred example, the receiving module 301 of the Funds-Management server 30 is also provided to receive the payment information; the processing module 303 also includes a sectioning module, which is configured to receive the payment information, then assigned to the account of the second terminal.
[154] Specifically, since the payment request information is sent by the buyer to the Funds-Management server 30 through the first terminal 10, the payment information is objectively confirmed by the first terminal 10 and authorized by the bank to pay. The Funds-Management server 30 suspends the corresponding funds or credit limit and generates an electronic commitment payment certificate based on the payment information, and the second terminal 20 provides the corresponding merchandise / service based on the electronic commitment payment certificate.
[155] 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.
[156] The preferred examples of the present invention have been described above with reference to the accompanying drawings, which are not to limit the scope of the present invention. It will be apparent to those skilled in the field that various modifications, equivalents, and improvements may be made without departing from the scope and spirit of the invention.
[157] Industrial Applicability [158] The present invention provides a payment system, and its method, device and server based on different funds servers, supervises the information of the buyers and sellers through the first and the second Funds-Management servers, and the regulatory function is merged into the bank or other institution with credit payment capacity, which can reduce the risk of funds and protect the interests of buyers and sellers; this program makes full use of the risk control centre functions of the first and the second Funds-Management servers' credit centres, uses a more optimized credit mechanism to promote network transactions and ensure security of the transactions funds, works as a credit medium, and reduces the risk of funds and protects the interests of both parties through the supervision of the funds. 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.
The processing module is configured to freeze the corresponding credit overdraft amount equal to the payment amount within the first terminal account when payment is allowed, generate an electronic commitment payment certificate, and transmit the electronic commitment payment certificate information to the second terminal.
According to one more aspect of the present invention, there is a server provided based on different capital servers, the server includes the payment apparatus in the above-described technical solution.
The invention provides a payment system, and its method, device and server based on different fund servers, supervises information of both buyers and sellers through the first and second Funds-Management server, and merges the supervisory function into the bank or other institutions with the credit payment capacity, meanwhile by freezing the first terminal account's overdraft credit amount, and generating electronic payment certificate, it can reduce the risk of funds to protect the interests of buyers and sellers;
this solution makes full use of the risk control center function of the first and second Funds-Management servers' credit center, promote network transactions and ensure the safety of funds by utilizing a more optimized credit mechanism, works as a credit medium for the transaction parties, and reduce the risk of funds to protect the interests of both parties to the transaction through the supervision of funds. 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.
Brief Description Figure 1 is the schematic diagram of the payment system based on different fund servers provided by an example of the present invention;
Figure 2 is the flow chart of the payment method based on different fund servers provided by an example of the present invention;
Figure 3 is the flow chart of the payment method based on different fund servers provided by an example of the present invention;
Figure 4 is the flow chart of the payment method based on different fund servers provided by an example of the present invention;
Figure 5 is the flow chart of the payment method based on different fund servers provided by an example of the present invention;
Figure 6 is the flow chart of the payment method based on different fund servers provided by an example of the present invention;
Figure 7 is a block diagram of a payment device based on a different funds server provided by an example of the present invention;
Figure 8 is the block diagram of the payment system based on different fund servers provided by an example of the present invention. Description of the Preferred Examples The present invention will be described in further detail with reference to the accompanying drawings and the accompanying drawings, 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.
Correction page (Rule 91) ISA/CN
[36] Example 1 [37] As shown in Figure 1, an example of the present invention provides the payment system based on a different funds server, which includes at least one first terminal 10, at least one second terminal 20, a connected first Funds-Management server 30, a second Funds-Management server 40, a first Funds-Management server 30 and a second terminal 20 for operating the account of the second terminal 20, and the second Funds-Management server 40 is connected to the first terminal 10 for operating the account of the first terminal 10, wherein:
[38] The first terminal 10 is configured to transmit the payment request information to the second Funds-Management server 40, wherein the payment request information includes the payment amount.
[39] Specifically, the first terminal 10 is suitable for the payment party, such as a terminal used by a client, including mobile phone, personal computer, PAD, etc., the account information of the first terminal 10 is filled in when the customer registers and stored in the database of the Funds-Management service 40, the account information of the first terminal includes customer ID, an account opening bank, account name, a bank account number, a credit balance, and so on, and may also include the customer's shipping address. The payment request information is the information such as the price (payment amount), the receipt address and the like after the customer purchases the specific goods /
services, and the first terminal 10 according to the pre-set rule, transmits the packet to the second Funds-Management server 40 according to the price of the goods / services, the goods /
services.
[40] The second Funds-Management server 40 receives the payment request information transmitted from the first terminal 10, and judges whether or not the account has payment capacity based on the payment amount, the first terminal account credit overdraft amount, the first terminal account fund balance, and the first terminal account credit loan limit. If the judgement result is yes, the amount corresponding to the payment amount in the credit amount of the first terminal account is frozen and the electronic payment certificate is generated based on the payment request information and the freezing information, and then the electronic payment certificate transmitted to the second terminal and to the first Funds-Management server synchronously.
[41] The second terminal 20 is configured to receive the electronic payment document information transmitted from the second Funds-Management server 40.
[42] Specifically, the second terminal 20 is adapted to the recipient (merchant), and the second terminal includes but not limited to devices such as servers, and POS
machines. Merchants include but not limited to manufacturers, agents, and logistics companies. The merchant information is also registered in the database of the first Funds-Management server 30, and the merchant information includes, but is not limited to, merchant ID, merchant name, merchant bank, merchant account name, merchant bank account number, etc.
[43] The first Funds-Management server 30 is configured to receive and store the electronic payment certificate information transmitted from the second Funds-Management server 40 and to allocate the received payment amount to the account of the second terminal based on the electronic payment certificate.
[44] Where the electronic payment certificate information is the key information in the payment behaviour, it facilitates subsequent follow-up of the electronic payment certificate information, and verifies whether there is an exception in the payment behaviour.
[45] In the present example, more than one first terminals 10 are connected to the second Funds-Management server 40 via the Internet, and more than one secondary terminals 20 are connected to the first Funds-Management server 30 via the Internet, that is, the server where the second terminal 20 are at and the server where the first terminal 10 are located are both Funds-Management servers. The Funds-Management server can be a single servers in a physical sense, e.g., they can work in parallel, and the resources of the server are automatically allocated to realize the Funds-Management according to the different traffic. The Funds-Management server includes but not limited to servers in organizations such as banks, businesses, and so on. In practical applications, it can be seen as the same bank's cluster Funds-Management server, but it is not limited to banks, it also supports the flow of funds in other institutions in the Internet. The information of the first Funds-Management server 30 and the second Funds-Management server 40 is supervised, and the supervisory function is incorporated into a bank or other third party organization.
[46] Example 2:
[47] As shown in Figure 2, an example of the present invention provides a payment method based on a different fund server for use in a Funds-Management server, which method comprises the steps of:
[48] S201, the first terminal 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 may include first terminal information such as a customer 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 second terminal should be kept confidential from the first terminal, so the merchant information should preferably be the merchant ID, and the second Funds-Management server inquires the merchant's receipt by using the corresponding relationship between the merchant ID and its receiving account. In other words, the first terminal only need to inform the second Funds-Management server to pay how much funds of which goods belongs to which merchant, 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 first terminal to deliver the payment request information;
[51] S203, by comparing the first terminal account credit line with the amount of payment determine whether to generate electronic commitment to pay the certificate, if allowed to pay, then go to S209, otherwise, terminate the payment, the end of the process.
[52] S209, the second Funds-Management server freezes the first terminal account credit loan limit corresponding to the payment amount within the first terminal account;
[53] This Step only freezes the credit loan line to ensure that there is sufficient fund to complete the transaction, but not directly allocates fund to the merchant account, so that the interests of buyers and sellers are guaranteed. Latter, payment information is sent by the first terminal, the second terminal or the logistics company to confirm the delivery is completed, then after the second Funds-Management server receiving the payment information, funds equal to the payment are allocated to the first Funds-Management server.
[54] S210, 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 commitment payment certificate to the second terminal;
[55] Specifically, since the payment request information is delivered by the buyer to the Funds-Management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized by the bank. The second Funds-Management server freezes the corresponding credit line amount, and generates an electronic commitment payment certificate based on the payment information, and the second terminal provides the corresponding merchandise / service according to the electronic commitment payment certificate.
[56] S211, the second funds server sends the electronic payment certificate to the second terminal and synchronizes to the first Funds-Management server;
[57] S212, the second Funds-Management server receives the payment information;
[58] S213, the second Funds-Management server transfers to the first Funds-Management server;
[ S2] S214, the first Funds-Management server transfers the received payment amount to the account of the second terminal.
[60] The payment method illustrated by the example of the present invention can reduce the risk of funds and protect the interests of buyers and sellers through the second Funds-Management server receiving the payment request information of the first terminal, determining whether or not the payment is permitted based on the first terminal account credit loan limit and the payment amount, then at the same time freezing the credit loan limit of the first terminal account, and generating electronic commitment payment certificate.
[61] Example 3 [62] As shown in Figure 3, an example of the present invention provides a payment method based on different fund servers for use in a Funds-Management server, which is comprised of the steps as follows:
[63] S201, the first terminal transmits the payment request information to the second funds-management server, and the payment request information includes the payment amount.
[64] S202, the second Funds-Management server receives the payment request information sent by the first terminal;
[65] 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 first terminal 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 second terminal should be kept confidential from the first terminal, so the merchant information should preferably be the merchant ID, and the second Funds-Management server inquires the merchant's receipt by using the corresponding relationship between the merchant ID and its receiving account. In other words, the first terminal only need to inform the second Funds-Management server to pay how much funds of which goods belongs to which merchant, the second Funds-Management server will be able to call out the merchant account to implement the appropriate payment operation.
[66] S203 compares the first terminal account's loan credit limit and the amount of payment to determine whether to generate electronic commitment payment certificate to pay the credit commitment, if allowed, go to S209, otherwise S204.
[67] S204 compares the fund balance of the first terminal account and the amount of payment to determine whether to generate electronic commitment payment certificate to pay the credit commitment, if allowed to pay, enter into S209, or end the process.
[68] Wherein the bank account of the first terminal can be informed to the second Funds-Management server by the first terminal in the payment request information, or can be queried from the database according to the first terminal ID by the second Funds-Management server.
[69] S209, the second Funds-Management server will freeze the corresponding amount of funds balance or credit loan limit equal to the payment amount in the first terminal account;
[70] This step only freezes the amount of payment or credit loan limit to ensure that there is sufficient funds to complete the transaction, but not directly allocates funds to the merchant account, so that the interests of buyers and sellers are guaranteed. Later, payment information is sent by the first terminal, the second terminal or the logistics company to confirm the delivery is completed, then after the second Funds-Management server receiving the payment information, the frozen funds or funds equal to the payment are transferred to the merchant account.
[71] S210, the second Funds-Management server generates the electronic commitment payment certificate according to the payment request information and the freezing information;
[72] Specifically, since the payment request information is sent by the buyer to the second Funds-Management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized by the bank. The second Funds-Management server freezes the corresponding amount of funds or credit overdraft, and generates an electronic commitment payment certificate based on the payment information, and the second terminal provides the corresponding merchandise /
service according to the electronic commitment payment certificate.
[73] S211, transmits the electronic payment certificate to the second terminal, and synchronizes to the first Funds-Management server.
[74] S212, the second Funds-Management server receives the payment information;
[75] S213, the second Funds-Management server transfers funds to the first Funds-Management server;
[76] S214, the first Funds-Management server will transfer the payment amount received to the second terminal account.
[77] The payment method illustrated by the example of the present invention can reduce the risk of funds and protect the interests of buyers and sellers through the second Funds-Management server receiving the payment request information of the first terminal, determining whether or not the payment is permitted based on the first terminal account credit loan limit and the funds balance, and generating electronic commitment payment certificate for real-time monitoring.
[78] Example 4 [79] As shown in Figure 4, an example of the present invention provides a payment method based on different fund servers for use in a Funds-Management server, which is comprised of the steps as follows:
[80] S201, the first terminal transmits the payment request information to the second funds-management server, and the payment request information includes the payment amount.
[81] S202, the second Funds-Management server receives the payment request information sent by the first terminal.
[82] Specifically, the payment request information received by the funds-management server includes merchant information, merchandise information and payment amount, and may include first terminal information (e.g., customer ID). Among them, the merchant information can be directly the merchant's receiving account, you can also uniquely identify the merchant information (for an example, merchant ID), by the Funds-Management server based 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 second terminal should be kept confidential with respect to the first terminal, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receivable account by using the correspondence relationship between the merchant ID and its receiving account.
In other words, the first terminal only need to inform the Funds-Management server to pay how much funds of which goods belongs to which merchant , the Funds-Management server will be able to call out the merchant account to implement the appropriate payment operation.
[83] S203, the second Funds-Management server compares the first terminal account's credit loan limit and the amount of payment to determine whether to generate electronic commitment payment certificate to pay the credit commitment, if allowed, the process proceeds to S209, otherwise to Step S204.
[84] Wherein the bank account of the first terminal can be informed to the Funds-Management server by the first terminal in the payment request, or can be queried from the database according to the first terminal ID by the Funds-Management server.
[85] S204, the second Funds-Management server compares the first terminal account's credit loan limit and the amount of payment to determine whether to generate electronic commitment payment certificate to pay the credit commitment, if allowed, the process proceeds to S209, otherwise end the process.
[86] S209, the second Funds-Management server freezes credit overdraft limit or credit loan line in the first terminal account;
[87] This Step only to freeze the amount of funds or credit limit to ensure that there is sufficient funds to complete the transaction, but not directly to the merchant account, so that the interests of buyers and sellers can be protected, the following steps can be completed by the first terminal, the second terminal or the logistics company delivering the payment information to confirm the completion of the delivery. After the Funds-Management server receives the payment information, allocates the thawing funds to the merchant account.
[88] S210, the second Funds-Management server generates the electronic commitment payment certificate according to the payment request information and the freezing information;
[89] Specifically, since the payment request information is sent by the buyer to the second Funds-Management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized by the bank. The second Funds-Management server freezes the corresponding credit loan limit, and generates an electronic commitment payment certificate based on the payment information, and the second terminal provides the corresponding merchandise / service according to the electronic commitment payment certificate.
[90] S211, transmits the electronic payment certificate to the second terminal, and synchronizes to the first Funds-Management server.
[91] S212, the second Funds-Management server receives the payment information;
[92] S213, the second Funds-Management server transfers to the first Funds-Management server;
[93] S214, the first Funds-Management server transfers the received payment amount to the account of the second terminal.
[94] The payment method illustrated by the example of the present invention can reduce the risk of funds and protect the interests of buyers and sellers through the second Funds-Management server receiving the payment request information of the first terminal, determining whether or not the payment is permitted based on the first terminal account credit loan limit and the payment amount, then at the same time freezing the credit loan amount of the first terminal account, and generating electronic commitment payment certificate.
[95] Example 5 [96] As shown in Figure 5, an example of the present invention provides a payment method based on different fund servers for use in a Funds-Management server, which is comprised of the steps as follows:
[97] S201, the first terminal transmits the payment request information to the second funds-management server, and the payment request information includes the payment amount.
[98] Specifically, the payment request information received by the second funds-management server includes merchant information, product information and payment amount, and may include first terminal information such as a customer 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 second terminal should be kept confidential from the first terminal, so the merchant information should preferably be the merchant ID, and the second Funds-Management server inquires the merchant's receipt by using the corresponding relationship between the merchant ID and its receiving account. In other words, the first terminal only need to inform the second Funds-Management server to pay how much funds of which goods belongs to which merchant, the second Funds-Management server will be able to call out the merchant account to implement the appropriate payment operation.
[99] S202, the second Funds-Management server receives the first terminal to deliver the payment request information;
[100] S203, compares the first terminal account credit loan limit and the payment amount to determine whether or not the electronic commitment payment certificate can be generated, and if the payment is allowed, the process proceeds to S209, otherwise to Step S204.
[101] S204, compares account balance and the payment amount to determine whether or not an electronic commitment payment certificate can be generated, and if the payment is allowed, the process proceeds to S209, otherwise to Step S205.
[102] S205, compare account credit overdraft limit and payment amount to determine whether to generate electronic commitment payment certificate for payment; if allowed to pay, then enter S209; otherwise, end the process.
[103] S209, the second Funds-Management server freezes the corresponding funds balance, or credit loan limit or credit overdraft amount equal to payment amount in the first terminal account;
[104] This Step only freezes the funds amount or credit loan limit to ensure that there is sufficient funds to complete the transaction, but not directly transfers funds to the merchant account, so that the interests of buyers and sellers are guaranteed. Later, payment information is sent by the first terminal, the second terminal or the logistics company to confirm the delivery is completed, then after the second Funds-Management server receiving the payment information, the frozen funds are transferred to the merchant account.
[105] S210, the second Funds-Management server generates the electronic commitment payment certificate according to the payment request information and the freezing information;
[106] Specifically, since the payment request information is sent by the buyer to the second Funds-Management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized by the bank. The second Funds-Management server freezes the corresponding funds or credit loan limit and generates an electronic commitment payment certificate based on the payment information, and the second terminal provides the corresponding merchandise / service according to the electronic commitment payment certificate.
[107] S211, transmits the electronic payment certificate to the second terminal, and synchronizes to the first Funds-Management server.
[108] S212, the second Funds-Management server receives the payment information;
[109] S213, the second Funds-Management server transfers to the first Funds-Management server;
[110] S214, the first Funds-Management server transfers the received payment amount to the account of the second terminal.
[111] The payment method provided by the example of the present invention receives the payment request information of the first terminal through the Funds-Management server, to determine whether being allowed to pay based on the credit overdraft limit of first terminal account, account funds limit of the first terminal and credit loan limit of the first terminal account, while freezing the payment amount of the first terminal account and generating electronic commitment payment certificate to complete real-time monitoring, which can reduce the risk of funds to protect the interests of buyers and sellers.
[112] Example 6 [113] As shown in Figure 6, an example of the present invention provides a payment method based on different fund servers for use in a Funds-Management server, which is comprised of the steps as follows:
[114] S201, the first terminal transmits the payment request information to the second Funds-Management server, and the payment request information includes the payment amount.
[115] S202, the second Funds-Management server receives the payment request information sent by the first terminal;
[116] 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 first terminal 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 second terminal should be kept confidential from the first terminal, so the merchant information should preferably be the merchant ID, and the second Funds-Management server inquires the merchant's receipt by using the corresponding relationship between the merchant ID and its receiving account. In other words, the first terminal only need to inform the second Funds-Management server to pay how much funds of which goods belongs to which merchant , the second Funds-Management server will be able to call out the merchant account to implement the appropriate payment operation.
[117] S203, compares the first terminal account credit loan limit and the payment amount to determine whether or not the electronic commitment payment certificate can be generated, and if the payment is allowed, the process proceeds to S209, otherwise to Step S204.
[S20] S204, compares the first terminal account credit overdraft amount and the payment amount to determine whether or not an electronic commitment payment certificate can be generated, and if it is allowed to pay, it goes to S209, otherwise proceeds to Step S205.
[119] S205, compares the balance of the first terminal account and the amount of payment to determine whether to generate electronic commitment payment certificate to pay the commitment, if allowed to pay, then enter into S209, or else end the process.
[120] S209, the second Funds-Management server freezes corresponding balance or credit limit equal to the payment amount in the first terminal account;
[121] This Step only to freeze the amount of payment or credit limit to ensure that there is sufficient funds to complete the transaction, but not directly to the merchant account, so that the interests of buyers and sellers can be protected, the following steps can be completed by the first terminal, the second terminal or the logistics company delivering the payment information to confirm the completion of the delivery. After the Funds-Management server receives the payment information, allocates the thawing funds or the same amount comparing with payment funds to the merchant account.
[122] S210, the second Funds-Management server generates the electronic commitment payment certificate according to the payment request information and the freezing information;
[123] Specifically, since the payment request information is sent by the buyer to the second Funds-Management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized by the bank. The second Funds-Management server freezes the corresponding funds or credits, and generates an electronic commitment payment certificate based on the payment information, and the second terminal provides the corresponding merchandise / service according to the electronic commitment payment certificate.
[124] S211, transmits the electronic payment certificate to the second terminal, and synchronizes to the first Funds-Management server.
[125] S212, the second Funds-Management server receives the payment information;
[126] S213, the second Funds-Management server transfers to the first Funds-Management server;
[127] S214, the first Funds-Management server transfers the received payment amount to the account of the second terminal.
[128] The payment method illustrated by the example of the present invention can reduce the risk of funds and protect the interests of buyers and sellers through the second Funds-Management server receiving the payment request information of the first terminal, determining whether or not the payment is permitted based on the first terminal account credit loan limit and the payment amount, then at the same time freezing the credit loan limit of the first terminal account, and generating electronic commitment payment certificate.
[129] Example 7 [130] As shown in Figure 7, an example of the present invention provides a payment device comprising a receiving module 301, a judging module, and a processing module 303, wherein:
[131] The receiving module 301 is configured to receive payment request information transmitted by the first terminal, wherein the payment request information includes a payment amount.
[132] Specifically, the payment request information received by the receiving module 301 includes merchant information, product information and payment amount, and may include first terminal information (for an example, customer ID). Among them, the merchant information can be directly the merchants receiving account, you can also uniquely identify the merchant information (for an example, merchant ID). In specific application, the account information of the second terminal should be kept confidential with respect to the first terminal, so the merchant information is preferably the merchant ID, that is, the first terminal simply needs to informs the Funds-Management server to pay to which merchant' goods, the device will call out the merchant account to implement corresponding payment operation.
[133] The judgement module 302 is configured to determine whether or not to allow payment based on the first terminal account fund balance or the credit overdraft limit or the credit loan limit and the payment amount.
[134] As a preferred solution, the judgement module 302 is specifically configured to determine whether the credit loan limit of the first terminal account is greater than or equal to the payment amount, and if so, payment is allowed; otherwise, it is further determined that the funds balance of the first terminal account is greater than or equal to the amount of payment, if yes, then payment is allowed; otherwise to further determine whether the first terminal account credit overdraft credit is greater than the amount of payment, if yes, then payment is allowed, or else not allowed. In this way, in turn determine the ability to pay the first terminal account, you can save the payment cycle to protect the interests of the merchant. Wherein the bank account of the first terminal may be informed to this device by the first terminal in the payment request information, or the device may inquire it from the database based on the first terminal information, and obtains the funds balance or the credit limit of the corresponding first terminal account. Only in the first terminal 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 the Funds-Management server, a customer may have multiple accounts, and a mixed payment method may also be used.
[135] The processing module 303 is configured to freeze the credit limit corresponding to the payment amount in the first terminal account when payment is allowed, and generate an electronic commitment payment certificate to deliver the electronic commitment payment certificate information to the second terminal.
[136] Preferably, the processing module 303 further includes a freezing unit 3031, a certificate generation unit 3032, and a synchronization unit 3033, wherein:
[137] The freezing unit 3031 is configured to freeze the amount corresponding to the payment amount in the first terminal account when the payment is allowed;
[138] The certificate generation unit 3032 is configured to generate an electronic commitment payment certificate;
[139] The synchronization unit 3033 is configured to transmit the electronic commitment payment certificate information to the second terminal.
[140] In addition, the processing module 303 may include a debit unit, which is configured to receive the payment information, and allocate the funds equal to the payment amount to the first Funds-Management server.
[141] It is to be noted that the technical features of the above-described method examples 2 and 3 are applicable in the present apparatus and are not repeated here.
[142] In addition, the present invention provides a Funds-Management server including a payment device in the fourth example, which is not repeated here.
[143] The payment device and the Funds-Management server can reduce the risk of funds and protect the interests of buyers and sellers through receiving the payment request information of the first terminal, determining whether or not the payment is permitted based on the first terminal account credit loan limit, and generating electronic commitment payment certificate. 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.
[144] Example 8 [145] As shown in Figure 8, a preferred example of the present invention provides a payment system based on a different funds server, which includes a first terminal 10, a second terminal 20, and a Funds-Management server 30, wherein:
[146] The first terminal 10 includes a payment request module 101 configured to deliver payment request information to the Funds-Management server 30, wherein the payment request information includes merchant information, merchandise information, and payment amount.
[147] The second terminal 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 30.
[148] The Funds-Management server 30 includes a receiving module 301, a judgement module 302, and a processing module 303, wherein:
[149] The receiving module 301 is configured to receive payment request information transmitted by the first terminal;
[150] The judgement module 302 is set to determine whether or not to allow a credit commitment payment based on the first terminal account credit loan limit and the payment amount;
[151] As a preferred example, the judgement module 302 is configured to determine whether the credit loan limit of the first terminal account is greater than or equal to the payment amount, if yes, payment is allowed; otherwise, it is further determined that the credit overdraft limit of the first terminal account is greater than or equal to the amount of payment, if yes, then payment is allowed; otherwise to further determine whether the first terminal account funds balance is greater than the amount of payment, if yes, then payment is allowed, or else not allowed.
[152] The processing module 303 is configured to freeze the credit amount or the amount of funds corresponding to the payment amount in the first terminal account when the credit commitment payment is allowed to be generated; generate the electronic commitment payment certificate, and send the electronic commitment payment certificate information to the second terminal.
[153] As a preferred example, the receiving module 301 of the Funds-Management server 30 is also provided to receive the payment information; the processing module 303 also includes a sectioning module, which is configured to receive the payment information, then assigned to the account of the second terminal.
[154] Specifically, since the payment request information is sent by the buyer to the Funds-Management server 30 through the first terminal 10, the payment information is objectively confirmed by the first terminal 10 and authorized by the bank to pay. The Funds-Management server 30 suspends the corresponding funds or credit limit and generates an electronic commitment payment certificate based on the payment information, and the second terminal 20 provides the corresponding merchandise / service based on the electronic commitment payment certificate.
[155] 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.
[156] The preferred examples of the present invention have been described above with reference to the accompanying drawings, which are not to limit the scope of the present invention. It will be apparent to those skilled in the field that various modifications, equivalents, and improvements may be made without departing from the scope and spirit of the invention.
[157] Industrial Applicability [158] The present invention provides a payment system, and its method, device and server based on different funds servers, supervises the information of the buyers and sellers through the first and the second Funds-Management servers, and the regulatory function is merged into the bank or other institution with credit payment capacity, which can reduce the risk of funds and protect the interests of buyers and sellers; this program makes full use of the risk control centre functions of the first and the second Funds-Management servers' credit centres, uses a more optimized credit mechanism to promote network transactions and ensure security of the transactions funds, works as a credit medium, and reduces the risk of funds and protects the interests of both parties through the supervision of the funds. 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.
Claims (13)
- [Claim 1] A payment system based on different funds servers includes at least one first terminal, at least one second terminal, one second Funds-Management server connected to the first terminal, and one first Funds-Management server connected to the second terminal. The first Funds-Management server is connected to the second Funds-Management server, wherein:
The first terminal for delivering payment request information including at least payment amount to the said second Funds-Management server;
The second terminal for receiving an electronic commitment payment certificate delivered by the second Funds-Management server;
The second Funds-Management server is used for receiving payment request information sent by the first terminal, comparing the first terminal account's credit overdraft limit with the payment amount to determine whether an electronic commitment payment certificate can be created; if yes, the second Funds-Management server freezes corresponding amount of the credit overdraft limit equal to the payment amount within the first terminal account, then generating the electronic commitment payment certificate according to an agreed condition, and sending the electronic commitment payment certificate to a second terminal to make a credit commitment payment on behalf of the first terminal.
The first Funds-Management server for storing the electronic payment certificate information transmitted by the second Funds-Management server and allocating the received payment amount to the second payment management information based on the electronic payment certificate information terminal in the account. - [Claim 2] A payment system based on a different funds server according to claim 1, wherein the Funds-Management server is:
Bank's single physical server or cluster server;
A single physical server or cluster server equipped with a credit-capable organization. - [Claim 3] A network payment method based on a different funds server, the method comprising the steps of:
The second Funds-Management server receives the payment request information transmitted by the first terminal, wherein the payment request information includes at least the payment amount;
Comparing the first terminal account credit loan limit with the payment amount to determine whether or not an electronic commitment payment certificate can be generated to make a credit commitment payment;
If can, the second Funds-Management server freezes the credit amount corresponding to the payment amount in the first terminal account; generates an electronic commitment payment certificate promised by the second Funds-Management server to disburse the funds according to the agreed condition.
The electronic commitment payment certificate information is sent to the second terminal to make a credit commitment payment for the first terminal. - [Claim 4] A payment method based on a different fund server according to claim 3, wherein the method further comprises:
The first terminal transmits payment request information to the second Funds-Management server, wherein the payment request information includes customer information, merchant information, and merchandise information. - [Claim 5] A payment method based on a different funds server according to claim 4, wherein the method further includes:
The second Funds-Management server after receiving the payment information transfers the funds equal to the payment amount to the first Funds-Management server and deducts the credit amount of the first terminal account equal to the payment amount. - [Claim 6] According to the network payment method based on different funds servers in claim 4, if the first terminal account credit loan limit is less than the payment amount, then compare the funds balance in the first terminal account with the payment amount to determine whether to generate an electronic commitment payment certificate to make a credit commitment payment.
- [Claim 7] According to the network payment method based on different funds servers in claim 4, if the first terminal account credit loan limit is less than the payment amount, then compare the credit overdraft limit in the first terminal account with the payment amount to determine whether to generate an electronic commitment payment certificate to make a credit commitment payment.
- [Claim 8] According to the network payment method based on different funds servers in claim 4, if the first terminal account credit loan limit is less than the payment amount, then compare the funds balance in the first terminal account with the payment amount to determine whether to generate an electronic commitment payment certificate to make a credit commitment payment, if not, compare the credit overdraft limit in the first terminal account with the payment amount to determine whether to generate an electronic commitment payment certificate to make a credit commitment payment.
- [Claim 9] According to the network payment method based on different funds servers in claim 4, if the first terminal account credit loan limit is less than the payment amount, then compare the credit overdraft limit in the first terminal account with the payment amount to determine whether to generate an electronic commitment payment certificate to make a credit commitment payment, if not, compare the funds balance in the first terminal account with the payment amount to determine whether to generate an electronic commitment payment certificate to make a credit commitment payment.
- [Claim 10] A payment device based on a different funds server, said apparatus including a receiving module, a judging module and a processing module, wherein.
A receiving module configured to receive payment request information delivered by the first terminal, wherein the payment request information includes a payment amount;
The judgement module is configured to determine whether or not a credit commitment payment is allowed based on the first terminal account credit loan limit and the payment amount;
The processing module is configured to freeze the corresponding quota equal to the payment amount within the first terminal account when payment is allowed, generate an electronic commitment payment certificate, and transmit the electronic commitment payment certificate information to the second terminal. - [Claim 11] The payment device according to claim 6, wherein the processing module further comprises a freeze 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 first terminal account when payment is allowed;
A certificate generation unit configured to generate an electronic commitment payment certificate;
And a synchronization unit configured to synchronize the electronic commitment payment document information to the second terminal. - [Claim 12] According to the payment apparatus in claim 7, wherein the described processing module is further comprised of a transferring unit which is configured to allocate funds equal to the payment amount to the first Funds-Management server after receiving the payment information, and deduct the quota of the credit in the first terminal account equal to the payment amount.
- [Claim 13] A server based on a different fund server, said server comprising a payment device according to any one of claims 10-12.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/078098 WO2016172961A1 (en) | 2015-04-30 | 2015-04-30 | Payment system based on different funds servers, and payment method, device and server therefor |
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| Publication Number | Publication Date |
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| CA2986818A1 true CA2986818A1 (en) | 2016-11-03 |
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| CA2986818A Pending CA2986818A1 (en) | 2015-04-30 | 2015-04-30 | Payment system based on different funds servers, and payment method, device and server therefor |
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| WO (1) | WO2016172961A1 (en) |
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| CN111626871B (en) * | 2020-05-25 | 2023-08-18 | 泰康保险集团股份有限公司 | Data processing method, device, equipment and storage medium |
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| WO2006049582A1 (en) * | 2004-11-05 | 2006-05-11 | Mobile Money International Sdn Bhd | An electronic-purse transaction method and system |
| CN101599150A (en) * | 2009-04-24 | 2009-12-09 | 阿里巴巴集团控股有限公司 | A kind of implementation method of payable by installment business and system |
| CN102546165B (en) * | 2010-12-31 | 2015-11-25 | 中国银联股份有限公司 | Dynamic URL maker, generation method, based on the Verification System of dynamic URL and method |
| WO2014146227A1 (en) * | 2013-03-18 | 2014-09-25 | 深圳市银信网银科技有限公司 | Paying method and system by using network |
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