CA2988812C - Payment system based on shared funds-management server, and method, device and server therefor - Google Patents

Abstract

Disclosed are a payment system based on a shared Funds-Management server, and a method, device and server therefor, belonging to the field of e-commerce. The method comprises: Funds-Management server receiving payment request information sent by a client; comparing the sum of a credit overdraft limit and a credit loan limit of the client with a payment amount to determine whether an electronic commitment payment certificate can be created; if yes, the Funds-Management server respectively freezing the credit overdraft limit and the credit loan limit within a client account, the credit overdraft limit and 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 merchant to make a credit commitment payment on behalf of the client. 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

2 PCT/CN2015/080086 PAYMENT SYSTEM BASED ON SHARED FUNDS-MANAGEMENT SERVER, AND
METHOD, DEVICE AND SERVER THEREFOR
[1] [Technical Field]
[2] This invention refers to e-commerce field, especially, it is a cross Funds-Management server payment system and its payment method, device and server.

[3] [Background Technology]

[4] E-commerce has become increasingly widely used in a variety of commercial trade activities, the so-called e-commerce is a business operation model that based on the browser and server applications helps consumer realize online shopping, online transactions between merchants and online electronic payments, as well as a variety of business activities, trading activities, financial activities and related integrated service activities in the commercial trade, and in the Internet open network environment.

[5] At present, many banks or enterprises have provided a network of payment services, allowing customers to operate computers, mobile phones and other terminal equipment to achieve network payment, the way of the network payment provides customers with a great convenience. But in the process of network payment, the payment is conducted by directly using the existing funds in the debit cards or credit card, or allocating the credit limit of the existing funds or credit card to the third party as a guarantee for the transaction, once the merchant does not provide goods or service, or disputes occur, the financial security is difficult to be guaranteed. Thus, new payment systems, methods, devices and servers at this stage are needed to reduce the risk of user funds and to protect the interests of buyers and sellers.

[6] [Summary of the invention]

[7] In view of the above, the technical problem to be solved by the present invention is to provide a payment system, and its payment method, device and server based on the same funds server-based server to reduce the risk of user funds, and to protect the interests of buyers and sellers.

[8] The technical solution of the present invention to solve the above-mentioned technical problems is as follows:

[9] A payment system based on the same Funds-Management server, comprising at least one client, at least one merchant, an information centre server and a Funds-Management server, connected with the client, the merchant and the information centre server connection =

respectively, where:

[10] The above-mentioned client is to send payment request information including at least a payment amount to the Funds-Management server;

[11] The merchant is used for receiving an electronic commitment payment certificate sent by the Funds-Management server;

[12] The Funds-Management server is used for receiving payment request information sent by the client; comparing the sum of the credit loan limit and overdraft limit with payment amount to determine whether an electronic commitment payment certificate can be created;
if yes, the Funds-Management server respectively freezes the credit loan limit and overdraft limit within client account, making the frozen amount are greater or equal to the payment amount; generating the electronic commitment payment certificate for the Funds-Management server to commit payment according to an agreed condition, and sending the electronic commitment payment certificate to merchant to make a credit commitment payment on behalf of the client.

[13] According to another aspect of this invention, there is a network payment method based on the same fund servers, and the method is comprised by following steps:

[14] The Funds-Management server receives the payment request inforrnation sent by the client, wherein the payment request information includes at least the payment amount;

[15] By comparing the credit loan limit and overdraft limit in the client account with the payment amount to determine whether or not an electronic commitment payment certificate is generated to commit payment;

[16] If yes, if yes, the Funds-Management server respectively freezes the credit loan limit and overdraft limit within a client account, making the frozen amount are greater or equal to the payment amount; generating the electronic commitment payment certificate for the Funds-Management server to commit payment according to an agreed condition, and sending the electronic commitment payment certificate information to merchant connected to the first Funds-Management server to make a credit commitment payment on behalf of the client.

[17] According to another aspect of the present invention, there is provided a payment device based on the same Funds-Management server, the device comprises a receiving module, a judging module and a processing module.

[18] A receiving module is configured to receive payment request information transmitted by the first terrninal connected with the Funds-Management server, wherein the payment request information includes a payment amount;

[19] The judgement module is configured to determine whether or not to allow payment based on the credit loan limit and overdraft limit within a client account, and the payment amount;

[20] The processing module is configured to freeze the credit loan limit and the credit loan limit in the client account respectively when the payment is allowed so that the total amount of the freezing are greater than or equal to the payment amount; generating the electronic commitment payment certificate, and sending the electronic commitment payment certificate message to the merchant connected to Funds-Management server.

[21] The present invention provides a payment system based on cross Funds server and its method, device and server, supervises the information of the buyers and sellers through the Funds-Management server, and the regulatory function is merged into the bank or other institutions with payment ability; meanwhile, it freezes the funds balance and the credit overdraft limit of the client and generates electronic commitment payment certificates to monitor in real-time, and reduces the risk of funds to protect the interests of buyers and sellers; this program makes full use of the function of the credit centre and risk control centre of the Funds-Management server to facilitate the security of on-line transactions and guarantee transaction funds safety with a more optimized credit mechanism, providing a credit media for both parties of the transaction, and reducing the risk of funds through the supervision of funds to protect the interests of both parties. In addition, it brings convenience to the customer by adding loan functions, which also enriches businesses of banks or other institutions with credit payment ability.

[22] [Brief Description]

[23] Figure 1 is a schematic diagram of the payment system based on the same Funds-Management server provided by Example 1 of the present invention;

[24] Figure 2 is a flow chart of the payment method based on the same Funds-Management server provided by Example 2 of the present invention;

[25] Figure 3 is a flow chart of the payment method based on the same Funds-Management server provided by Example 3 of the present invention;

[26] Figure 4 is a flow chart of the payment method based on the same Funds-Management server provided by Example 4 of the present invention;

[27] Figure 5 is a block diagram of a payment device based on the same Funds-Management server provided by Example 5 of the present invention;

[28] Figure 6 is a block diagram of a payment system based on the same Funds-Management server provided in the Example 6 of the present invention.

[29] [Description of the Preferred Examples]

[30] The present invention will be described in further detail with reference to the Y

accompanying drawings and the accompanying example, in which the technical problems, technical solutions and advantages to be solved by the present invention will become more apparent. It is to be understood that the specific examples described herein are merely illustrative of the invention and are not intended to limit the invention.

[31] Example 1

[32] As shown in Figure 1, an example of the present invention provides a payment system based on the same Funds-Management server, which includes at least one client 10, at least one merchant 20, and a Funds-Management server 30; the Funds-Management server 30 is connected to the client 10, and the merchant 20 respectively,

[33] The client 10, connected with the fund management server 30, is configured to transmit the payment request information to the Funds-Management server 30, wherein the payment request information includes the payment amount.

[34] Specifically, the client 10 is suitable for the payer (buyer), such as the intelligent devices used by a client, including a mobile phone, a personal computer, and a PAD, the account information of the client 10 is to fill in when the customer registers and store to the database of the Funds-Management server, the account information of the client10 includes information such as a customer ID, an account opening bank, an account name, a bank account number, and a credit balance and so on, and it may also include the customer's shipping address information. The payment request information is information such as the written and confirmed price (payment amount), the receipt address and the like after the customer purchases the specific goods/services. According to the pre-set rules, price of the goods/services, and commercial Merchants of the goods/services, the client 10 generates data package; the packet will be transmitted to the Funds-Management server 30. The payment request information includes at least the payment amount, and may include the merchant information and the merchandise information. Among them, the merchant information can be directly merchants' receiving account number, you can also uniquely identify the merchant information (such as merchant ID), and find the corresponding bank account information by Funds-Management server 30 based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant 20 should be kept confidential with respect to the client 10, so the merchant information is preferably the merchant ID, and the Funds-Management server 30 inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the merchant 10 only needs to inform the Funds-Management server 30 which merchant's which goods need to be paid how much money, then the Funds-Management server 30 will be able to call out the merchant account to implement the appropriate payment operation.

[35] The merchant 20 is connected to the Funds-Management server 30 for receiving the electronic commitment payment certificate sent by the Funds-Management server 30.

[36] Specifically, the merchant 20 is applied to the receiving party (seller), and the merchant includes but not limited to devices such as servers, POS machines and other devices.
Merchants include but not limited to manufacturers, agents, logistics companies, etc. The Merchant information is also registered in the database of the Funds-Management server, and the Merchant information includes, but not limited to, Merchant ID, Merchant name, Merchant bank, Merchant account name, and bank Merchant account number. The Merchant 20 receives the electronic commitment payment voucher transmitted from the second Funds-Management server 30, and extracts the merchandise information and the goods receipt information in the electronic commitment payment voucher information to designate the merchandise transmission destination.

[37] The Funds-Management server 30 is used for receiving payment request information sent by a client 10; comparing the credit loan limit and overdraft limit in the client 10 with payment amount to determine whether an electronic commitment payment certificate can be created; if yes, freeze the credit loan limit and overdraft limit within a client account corresponding to the payment amount; generating the electronic commitment payment certificate for the Funds-Management server to commit to payment according to an agreed condition, and sending the electronic commitment payment certificate to merchant 20.

[38] Specifically, the Funds-Management server 30 receives the packet of the payment request information and parses it according to the pre-set rule to obtain the relevant payment information including, but not limited to, the merchant information, the merchandise information, and the payment amount, and the like information, which merchant to which the goods to pay the amount of money. The Funds-Management server 30 inquires whether the sum of the credit loan limit and overdraft limit within client account is sufficient for the current settlement, and if it is insufficient, the payment is terminated, and if sufficient, respectively freezes the credit loan limit and overdraft limit within a client account, making the frozen amount are greater or equal to the payment amount; until the merchant confirms the delivery or the customer confirms the receipt, the transfer operation is carried out to close deal.

[39] It is understandable that respectively freezing the credit loan limit and overdraft limit corresponding to payment amount includes the following cases:

[40] 1. Only to freeze the quota of credit overdraft limit, so that the total frozen amount are greater than or equal to the amount of the payment.

N.

[41] 2. Only the credit loan limit is frozen so that the total frozen amount is greater than or equal to the payment amount.

[42] 3. Respectively freeze some of the credit loan limit and credit overdraft limit, making the total frozen amount greater than or equal to the amount of the payment.

[43] Specifically, the Funds-Management server 30 may further determine whether or not the transfer operation is made in accordance with the state of the electronic commitment payment certificate information, that is, the payment request is only freezing the credit loan limit and overdraft limit, after receipt is confirmed, transferring and deducting credit loan limit are conducted.

[44] In the present example, the same Funds-Management server 30 may be connected to the plurality of client 10 and the plurality of merchant 20 through the Internet at the same time.
That is, the server where the merchant 20 account is located and the server where the merchant 10 resides are the same Funds-Management server 30. The Funds-Management server 30 can be a single or multiple servers in a physical sense, e.g., they can work in parallel, and the resources of the server are automatically allocated to realize the fund management according to the different traffic. The Funds-Management server includes but not limited to servers in organizations such as banks, businesses, and so on.
In the practical applications, it can be understood as the same bank's cluster Funds-Management server, but not limited to banks, but also the Internet to support the flow of funds in other institutions.
Supervise the information of the buyers and sellers by the Funds-Management server, and merge the regulatory function into the bank or other institutions with credit ability to pay.

[45] Example 2

[46] As shown in Figure 2, an example of the present invention provides a payment method based on the same Funds-Management server for use in the Funds-Management server, which method comprises the steps of:

[47] S201, the Funds-Management server receives the payment request information sent by the client, wherein the payment request information includes at least the payment amount;

[48] Specifically, the payment request information received by the Funds-Management server includes merchant information, product information and payment amount, and may include merchant information (e.g., client ID). Among them, the merchant information can be directly merchants receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant should be kept confidential with respect to the merchant, so the merchant information is preferably , the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the client only need to inform the Funds-Management server to which merchant and which goods to pay the amount of funds, the Funds-Management server will be able to call out the account of the implementation of the corresponding payment operation.

[49] S202, compares the sum of the credit loan limit and funds balance with the payment amount to determine whether or not an electronic commitment payment certificate can be issued to commit to payment, if allowed, then enter the payment process, or terminate the payment. It will be understood that in this embodiment, the credit overdraft quota is typically stored in a credit card, and typically matches the credit.

[50] This step further includes: the Funds-Management server from the database queries the credit loan limit and overdraft limit in the client account; determine whether the sum of the credit loan limit and overdraft limit is greater than or equal to the amount of payment, if so, then allow the payment; otherwise terminate the payment. Wherein the bank and credit card accounts of the client can be informed to the Funds-Management server by the client in the payment request, or can be queried from the database according to the client ID by the Funds-Management server. Only when the sum of the credit loan limit and overdraft limit within a client account is more than or equal to the payment amount, the client has the ability to pay, and at this time the payment behaviour is allowed to conduct.
So, you can shorten the payment cycle, protect the interests of merchant.

[51] S203, the Funds-Management server respectively freezes the credit loan limit and overdraft limit in the client account corresponding to the payment amount, making the frozen amount is greater than or equal to the payment amount.

[52] This step only freezes the corresponding quota of the credit loan limit and overdraft limit to ensure that there is sufficient funds to complete the transaction, but not directly transfer to the merchant account, so to ensure the interests of the buyers and the sellers, and is followed by the client, the merchant or logistics company sending the payment information to confirm the delivery is completed. After Funds-Management server receiving the payment information, it deducts the credit loan limit and overdraft limit, and the unblocked funds will be allocated to the merchant account.

[53] S204, the Funds-Management server generates an electronic commitment payment the certificate;

[54] Specifically, since the payment request information is sent by the buyer to the Funds-Management server through the merchant operation, the payment information is objectively confirmed by the customer and authorized by the bank. The Funds-Management server respectively freezes the corresponding quota of the credit loan limit and overdraft limit, and generates an electronic commitment payment certificate based on the payment information. The electronic commitment payment certificate information includes but is not limited to commodity information, payment amount (frozen funds or credit overdraft limit or credit loan limit), delivery address and validity period, and the form is not limited to text, pictures, graphics and so on. The electronic certificate is the certificate of the receiving end of the merchant, and the merchant provides the corresponding goods / service according to the electronic commitment payment certificate.

[55] S205, the electronic commitment payment certificate is issued to the merchant to undertake credit commitment for the client, and is synchronized to the client and merchant.

[56] Specifically, this step sends the generated electronic certificate information to the client or the merchant for the subsequent tracking.

[57] The payment method of credit overdraft limit and credit loan limit illustrated by the example of the present invention, through receiving the payment request information of the client via the Funds-Management server, determining whether the payment is permitted based on the sum of the credit loan limit and overdraft limit, and freezing the credit loan limit and overdraft limit in the client account, generating electronic commitment payment certificate for real-time supervision, reduces the risk of funds and protects the interests of the buyers and the sellers.

[58] Example 3

[59] As shown in Figure 3, an example of the present invention provides a payment method of the credit overdraft limit and loan limit, which applied in the payment system of the same Funds-Management server in Figure 1, and it comprises the following steps:

[60] S301, the client sends the payment request information to the Funds-Management server, the payment request information includes the payment amount, and the Funds-Management server receives the payment request information sent by the client.

[61] And the payment request information is composed of a plurality of data packets, including at least the Merchant information, the product information and the payment amount. You can also include client information (such as client ID). Among them, the merchant information can be directly merchants receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant should be kept confidential with respect to the merchant, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the client only need to inform the Funds-Management server to which merchant and which goods to pay the amount of funds, the Funds-Management server will be able to call out the account of the implementation of the corresponding payment operation.

[62] The way the client sends payment request information to the Funds-Management server can be done in the existing way, such as using a digital signature or a digital envelope. A
digital signature is a data that the user encrypts a hash of the original data with its own private key. The information recipient obtains the hash digest by decrypting the digital signature attached to the original information using the public key of the sender of the information and confirms whether the original information is made by comparing with the hash digest generated by the original data received by the information recipient Tampered with. This ensures that the data transmission is undeniable. Digital envelopes use password technology to ensure that only the recipient of the specified information can read the contents of the information. Digital envelopes used in a single-key password system and public key password system. The information sender first encrypts the information with the randomly generated symmetric password, and then encrypts the symmetric password with the public key of the receiver. The symmetric password encrypted by the public key is called the digital envelope. In the transmission of information, the information receiver shall decrypt the information, you must first use their own private key to decrypt the digital envelope, get a symmetric password, in order to use the symmetric password to decrypt the information obtained. This ensures the authenticity and integrity of the data transmission.

[63] S302, inquires the sum of the credit overdraft limit and credit loan limit, comparing the sum of the credit overdraft limit and credit loan limit with the payment amount, if the sum is greater than or equal to the amount, it is sufficient; and if the sum is less than the amount, it is insufficient. When the credit overdraft limit and credit loan limit is sufficient, execute the Step S204, otherwise terminate, not to pay;

[64] S303, the Funds-Management server freeze the credit overdraft limit and credit loan limit in the client account corresponding to the payment amount; it is understandable that freezing the credit overdraft limit and credit loan limit corresponding to the payment amount includes the following circumstances:

[65] 1. Only freeze the quota of credit overdraft, so that the total frozen amount is greater than or equal to the amount of the payment.

[66] 2. Only the credit loan limit is frozen so that the total amount of the greater than or equal to the payment amount.

[67] 3. Respectively freeze part of the credit loan limit and credit overdraft limit in the client account, making the total frozen amount is greater than or equal to the amount of the payment.

[68] S304, the Funds-Management server generates an electronic commitment payment the certificate;

[69] S305, sending the electronic commitment payment certificate information to the merchant

[70] S306, the merchant sends the receiving and receiving information to the Funds-Management server;

[71] It is to be noted that in Step S210, the merchant sends and receives the payment information to the Funds-Management server as an example. In practice, it is also possible for the client, the logistics server, or other entity that can know the delivery status to send the payment information to the Funds-Management server.

[72] S307, the money management server synchronizes the unlocked payment information to the merchant and the client.

[73] Specifically, the Funds-Management server synchronizes the updated electronic commitment payment certificate information to the client and merchant, from the updated electronic commitment payment certificate information it can immediately inform the circulation state of the merchandise, when the goods / service delivery is completed, the frozen funds is transferred to the merchant account.

[74] S308, the funds corresponding to the freezing amount are allocated to the account number of the merchant. It can be understood that, according to the different method of freezing in S303, there will be a matching allocation plan, which will allocate the corresponding funds to the account of the merchant.

[75] S309, end the process.

[76] The payment method provided by the example of the present invention receives the payment request information of the client terminal through the Funds-Management server, determines whether or not the payment is permitted based on the credit overdraft limit and the credit loan limit, and by freezing the corresponding quota of the credit loan limit and overdraft limit in client account, making the total amount of frozen are greater than or equal to the amount of the payment, and generating electronic commitment payment certificate for real time monitoring, it can reduce the risk of funds and protect the interests of the buyers and the sellers.

[77] Example 4

[78] As shown in Figure 4, an example of the present invention provides a payment method applied in the payment system of the same Funds-Management server in Figure 1, this method comprises the following steps:

[79] S401, the Funds-Management server receives the payment request information sent by the client.

[80] And the payment request information is composed of a plurality of data packets, including at least the Merchant information, the product information and the payment amount. You can also include client information (such as client ID). Among them, the merchant information can be directly merchants receiving account number, you can also uniquely identify the merchant information (such as business ID), and find the corresponding bank account information by Funds-Management server based on the unique identification of the merchant from the database. In the specific application, the account information of the merchant should be kept confidential with respect to the merchant, so the merchant information is preferably the merchant ID, and the Funds-Management server inquires the merchant's receiving account by using the correspondence relationship between the merchant ID and its receiving account. In other words, the client only need to inform the Funds-Management server to which merchant and which goods to pay the amount of funds, the Funds-Management server will be able to call out the account of the implementation of the corresponding payment operation.

[81] The way the client sends payment request information to the Funds-Management server can be done in the existing way, such as using a digital signature or a digital envelope. A
digital signature is a data that the user encrypts a hash of the original data with his own private key. The information recipient obtains the hash digest by decrypting the digital signature attached to the original information using the public key of the sender of the information and confirms whether the original information is made by comparing with the hash digest generated by the original data received by the information recipient Tampered with. This ensures that the data transmission is undeniable. Digital envelopes use password technology to ensure that only the recipient of the specified information can read the contents of the information. Digital envelopes used in a single-key password system and public key password system. The information sender first encrypts the information with the randomly generated symmetric password, and then encrypts the symmetric password with the public key of the receiver. The symmetric password encrypted by the public key is called the digital envelope. In the transmission of information, the information receiver shall decrypt the information, you must first use their own private key to decrypt the digital envelope, get a symmetric password, in order to use the symmetric password to decrypt the information obtained. This ensures the authenticity and integrity of the data transmission.

[82] S402, inquiries the sum of the credit loan limit and overdraft limit in client account, comparing the sum with the payment amount, if the sum is greater than or equal to the amount, it is sufficient; if the sum is less than the amount, it is insufficient. When the credit overdraft limit and the credit loan limit are sufficient, step S403 is executed, otherwise, step S404 is executed;

[83] S403, the Funds-Management server freezes the corresponding quota of the credit loan limit and overdraft limit in client account, making the total frozen amount is greater than or equal to the amount of the payment, it can be specifically divided into the following forms:

[84] 1. Only the balance of the funds in the client account is frozen so that the total amount of the frozen is greater than or equal to the payment amount.

[85] 2. Only the credit loan limit is frozen so that the total amount of the greater than or equal to the payment amount.

[86] 3. Only to freeze the amount of credit overdraft limit, so that the total amount of frozen are greater than or equal to the amount of the payment.

[87] 4. Respectively, to freeze the balance of funds and credit overdraft limit of the client's account, making the total amount of frozen greater than or equal to the amount of the payment.

[88] 5. Respectively, to freeze part of the balance of funds and credit loan limit of the client's account, making the total amount of frozen greater than or equal to the amount of the payment.

[89] 6. Respectively, to freeze part of the credit loan limit and credit overdraft limit of the client's account, making the total amount of frozen greater than or equal to the amount of the payment.

[90] 7. Respectively freeze part of the credit loan limit and credit overdraft limit, as well as the funds balance, making the total amount frozen greater than or equal to the amount of the payment.

[91] S404, asking the client whether or not a fund balance is required; if the fund balance is to be used, step S405 is executed, otherwise proceed to step S411;

[92] S405, judging whether the credit loan limit is sufficient; the sufficiency here can be understood in several cases:

[93] 1. If the sum of the original the sum of the credit loan limit and overdraft limit and part of funds balance is greater than or equal to the amount of the payment amount, the amount of funds balance is considered to be sufficient; and conversely, it is insufficient;

[94] 2. When funds balance is greater than or equal to the amount of the payment amount, the amount of funds balance is considered to be sufficient and, conversely, insufficient.

[95] Specifically, the funds balance can also be defaulted to the wanting amount in this payment. For example, when the price of a product selected by the customer is 1,500 Yuan (payment amount), if in the customer account the credit loan limit and overdraft limit is only 900 Yuan, customer needs to transfer funds balance of 600 Yuan in order to meet the allowable payment criterion to carry out payment. Of course, the using of another way, such as the directly using credit loan limit of 1,500 Yuan to finish payment, is also feasible.

[96] S406, the Funds-Management server freezes the credit loan limit and overdraft limit and funds balance in the client account, after making the total frozen amount is greater than or equal to the amount of the payment, it generates the electronic commitment payment certificate:

[97] S407, sending the electronic commitment payment certificate information to the merchant

[98] S408, the merchant sends the receiving and receiving information to the Funds-Management server;

[99] It is to be noted that in Step S408, the merchant sends and receives the payment information to the Funds-Management server as an example. In practice, it is also possible for the client, the logistics server, or other entity that can know the delivery status to send the payment information to the Funds-Management server.

[100] S409, the Funds-Management server synchronizes the payment information to the merchant and the client.

[101] Specifically, the Funds-Management server synchronizes the updated electronic commitment payment certificate information to the client and merchant, from the updated electronic commitment payment certificate information it can immediately inform the circulation state of the merchandise, when the goods / service delivery is completed, the frozen funds is transferred to the merchant account.

[102] S410, allocates the funds corresponding to the frozen amount to the account number of the merchant. It can be understood that, according to the different ways of freezing in S403, there will be a matching allocation plan, which will allocate the corresponding funds to the account of the merchant.

[103] S411, end the process.

[104] The example of the present invention, on the basis of the example 3, not only facilitates the buyer, but also greatly enriches the business of the bank or other institution with the credit payment ability by increasing the function of querying the funds balance; in addition, by tracking synchronously buyers and sellers' electronic commitment certificates, and effectively combing the flow of goods and the flow of funds trajectory, it can protects the interests of both buyers and sellers effectively.

[105] Example 5

[106] As shown in Figure 5, an example of the present invention provides a payment device including a receiving module 301, a judgement module 302, and a processing module 303, wherein:

[107] The receiving module 301 is configured to receive payment request information transmitted by the client, and the payment request information includes the payment amount.

[108] Specifically, the payment request information received by the receiving module 301 includes Merchant information, product information and payment amount, and may include the client information (for an example, customer ID). Among them, the merchant information can be merchants receiving account, and the merchant information can also be uniquely identified (such as business ID). In the particular application, the account information of the merchant should be kept confidential from the client, so the merchant information should be the merchant ID, that is, the client simply informs which merchandise of which merchant is paid by how much, then the device call out of the merchant account number to implement the corresponding payment operation.

[109] The judgement module 302 is configured to determine whether or not a payment is permitted based on the client credit loan and overdraft limit and the payment amount;

[110] As a preferred scheme, the judgement module 502 is specifically configured to inquiry credit loan limit and overdraft limit in the client account; and determine whether credit loan limit and overdraft limit is greater than or equal to the payment amount, if yes, it is allowed to pay. In this way, first determine the payment ability of the sum of credit loan limit and overdraft limit and preferentially use the account' credit loan limit and overdraft limit, which can shorten the payment cycle to protect the interests of merchants. The bank account or the credit card account may be notified by the client to the device in the payment request information, or the device may inquire from the database based on the client information and obtain the funds corresponding to credit loan limit and overdraft limit. Only credit loan limit and overdraft limit in the client account are more than or equal to the payment amount, the client has the ability to pay, and then the payment behaviour is allowed to conduct.

[111] As another preferred example, the judgement module 302 is also configured to ask the client whether credit loan limit is to be issued when the sum of credit loan limit and overdraft limit in the client account is less than the payment amount; if it needs credit loan limit, then the client account issues credit loan limit and allow the payment;
if not, then terminate the payment. In addition, it not only to facilitate the buyer, but also greatly enrich the bank or other institutions with credit ability to pay the business. When using a Funds-Management server to obtain a bank account or credit card account based on the Funds-Management server, a customer may have multiple accounts, and a mixed payment method may also be used. For example, when the price of a commodity selected by the customer is 1,500 Yuan (the payment amount), the sum of credit loan limit and overdraft limit is only 900 Yuan, then the amount of money that the customer can use to pay is a total of 900 Yuan, which will not be able to pay; If the client account uses funds balance of 600 Yuan, then he has usage quota of 1,500 Yuan, and payment is implemented.

[112] The processing module 303 is configured to freeze the credit loan limit and overdraft limit in the client account respectively making the total frozen amount greater than or equal to the payment amount; generating the electronic commitment payment certificate, send the electronic commitment payment certificate message to the merchant.

[113] Preferably, the processing module 303 further includes a freeze unit 3031, a certificate generation unit 3032, and a synchronization unit 3033, wherein:

[114] The freezing unit 3031 is configured to freezes the credit loan limit and overdraft limit in the client account when the payment is allowed making the total frozen amount greater than or equal to the payment amount;

[115] The credential generation unit 3032 is configured to generate an electronic commitment payment certificate;

[116] A synchronization unit 3033 is configured to transmit the electronic commitment payment certificate information to the Merchant.

[117] In addition, the processing module 303 may include a transfer unit configured to receive the payment information, synchronize the payment information to the information centre server, and allocate the frozen funds to the account of the merchant.

[118] It is to be noted that the technical features of the above-described method examples 2, 3 and 4 are applicable in the present apparatus and are not repeated here.

[119] In addition, the present invention also provides a Funds-Management server including the payment device in the fourth embodiment, which is not repeated here.

[120] The payment method provided by the example of the present invention receives the payment request information of the client through the Funds-Management server, the client account funds amount, the client account credit overdraft limit and the client account credit loan limit will be based to determine whether to allow payment, and by freezing funds and credit loan limit in the client account making the total frozen amount greater than or equal to the payment amount, and generating electronic commitment payment certificate for conducting real-time monitoring, it can reduce the risk of funds to protect the interests of the buyers and the sellers. In addition, by increasing the function of transferring funds balance, it can not only facilitate the buyer, but also greatly enrich the business of bank or other institutions with credit payment ability.

[121] Example 6

[122] As shown in Figure 6, a preferred example of the present invention provides a payment system based on the same funds server, which includes a client 10, a merchant 20, and a Funds-Management server 30, wherein:

[123] The client 10 includes a payment request module 101 configured to send payment request information to the Funds-Management server 30, wherein the payment request information includes merchant and merchandise information, and payment amount.

[124] The merchant 20 includes a credential receiving module 201 and a credential updating module 202, wherein the certificate receiving module 201 is configured to receive the electronic commitment payment certificate sent by the fund managing server 30.

[125] The Funds-Management server 30 includes a receiving module 301, a judgement module 302, and a processing module 303, wherein:

[126] The receiving module 301 is configured to receive payment request information transmitted by the client connected to Funds-Management server 30;

[127] The judgement module 302 is configured to compare the sum of the credit loan limit and overdraft limit within client account with the payment amount to determine whether the electronic commitment payment certificate can be issued;

[128] As a preferred example, the judgement module 302 is configured to determine whether the credit loan limit and overdraft limit in the client account is greater than or equal to the amount of the payment, and if so, the payment is allowed; or else further determine whether the loan balance is greater than or equal to the payment amount, if so, allow to pay.

[129] The processing module 303 is configured to freeze the funds amount corresponding to the payment amount in the client account when the payment is allowed, and generate the electronic commitment payment certificate, and transmit the electronic commitment payment certificate information to the merchant connected to the first Funds-Management server 30.

[130] As a preferred example, the receiving module 301 of the second Funds-Management server 30 is also provided to receive the payment information; the processing module 303 also includes a transferring module, which is configured to receive the payment information, synchronize the payment information to the client and the merchant, and the funds that equal to the payment amount will be transferred to the account of the Merchant.

[131] Specifically, since the payment request information is sent by the buyer to the Funds-Management server 30 through the client 10, the payment information is objectively obtained by the client 10 confirming and authorizing the bank to pay. The Funds-Management server 30 respectively freezes the corresponding funds balance and credit overdraft limit, and generates an electronic commitment payment certificate based on the payment information. The electronic commitment payment certificate information includes but not limited to commodity information, payment amount (frozen funds or credit overdraft limit or credit loan limit), delivery address and validity period, and the form is not limited to text, pictures, graphics and so on. The electronic certificate is the certificate of the receiving fund of the Merchant 20, and the Merchant 20 provides the corresponding merchandise/service based on the electronic commitment payment certificate.

[132] 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.

[133] 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.

Claims (78)

1. A mixed payment system for protecting both a client and a merchant in e-commerce transactions, the system comprising:
a plurality of client computer devices;
a plurality of merchant devices; and a funds management server;
wherein the plurality of client computer devices and the plurality of merchant devices are communicatively connected through the funds management server;
the plurality of client computer devices are configured to send a payment request for an e-commerce transaction to the funds management server, the payment request including at least a payment amount;
the plurality of merchant devices are configured to receive an electronic commitment payment certificate sent by the funds management server;
the funds management server is configured to:
receive the payment request sent by the client device; and compare a total to the payment amount to determine whether the electronic commitment payment certificate is creatable, the total comprising a client account funds balance for a bank account, a client account credit loan limit for a credit account and a client account credit overdraft limit for the credit account added together, the total being greater than 0, the electronic commitment payment certificate being creatable when the total is greater than or equal to the payment amount; and when the electronic commitment payment certificate is creatable, the funds management server is further configured to:
freeze a freeze amount from the client account funds balance, the client account credit loan limit and the client account credit overdraft limit from the client accounts, wherein the freeze amount is not less than the payment amount; and create the electronic commitment payment certificate for the funds management server to commit to a payment according to an agreed condition; and send the electronic commitment payment certificate to the merchant device to make a credit commitment payment on behalf of the client device once the agreed condition is met, wherein the agreed condition is delivery of merchandise from the merchant to the client.

2. The payment system of claim 1 wherein the funds management server is a single physical server of a bank.

3. The payment system of claim 1 wherein the funds management server is a cluster server of a bank.

4. The payment system of any one of claims 1-3 wherein the client device is a mobile phone.

5. The payment system of any one of claims 1-3 wherein the client device is a personal computer.

6. The payment system of any one of claims 1-3 wherein the client device is associated with client information.

7. The payment system of claim 6 wherein the client information is stored in a database on the funds management server.

8. The payment system of claim 6 wherein the client information includes a customer ID.

9. The payment system of any one of claims 6 and 8 wherein the client information includes an account opening bank.

10. The payment system of any one of claims 6, 8 and 9 wherein the client information includes an account name.

11. The payment system of any one of claims 6, and 8-10 wherein the client information includes a bank account number.

12. The payment system of any one of claims 6 and 8-11 wherein the client information includes a customer shipping information.

13. The payment system of any one of claims 1-12 wherein the payment request includes a confirmed price.

14. The payment system of any one of claims 1-13, wherein the payment request includes a receipt address.

15. The payment system of any one of claims 1-14 wherein the payment request includes prices for a plurality of goods and serves.

16. The payment system of any one of claims 1-15 wherein the payment request includes merchant information.

17. The payment system of claim 16 wherein the merchant information includes a merchant receiving account number.

18. The payment system of claim 16 and 17 wherein the merchant information includes a merchant ID.

19. The payment system of any one of claims 1-18 wherein the payment request includes a merchandise information.

20. The payment system of claim 1 wherein a merchant account associated with the merchant device is kept confidential with respect to the client device.

21. The payment system of any one of claims 1-20 wherein the merchant device is configured for use by a seller.

22. The payment system of any one of claims 1-20 wherein the merchant device is configured for use by a receiving party.

23. The payment system of any one of claims 1-20 wherein the merchant device is a server.

24. The payment system of any one of claims 1-20 wherein the merchant device is a POS machine.

25. The payment system of any one of claims 1-20 wherein the merchant device is configured for use by a manufacturer.

26. The payment system of any one of claims 1-20 wherein the merchant device is configured for use by a logistics company.

27. The payment system of any one of claims 1-20 wherein the funds management server is connected to the plurality of merchant devices through the internet.

28. The payment system of any one of claims 1-20 wherein the funds management server is connected to the plurality of client computer devices through the internet.

29. The payment system of any one of claims 1-20 wherein the funds management server is a plurality of servers.

30. A funds management server for protecting a client and a merchant e-commerce transactions comprising:
a computer processor; and a memory for storing data;
wherein a plurality of client computer devices and a plurality of merchant devices are communicatively connected through the funds management server;
wherein the funds management server is configured to:
receive a payment request for an e-commerce transaction sent by one of the client computer devices, the payment request including at least a payment amount;
compare a total to the payment amount to determine whether the electronic commitment payment certificate is creatable, wherein the total comprises a client account funds balance for a bank account, a client account credit loan limit for a credit account and a client account credit overdraft limit for the credit account added together, wherein the total is greater than 0, wherein the electronic commitment payment certificate is creatable when the total is greater than or equal to the payment amount; and when the electronic commitment payment certificate is creatable, the funds management server is further configured to:
freeze a freeze amount from the client account funds balance, the client account credit loan limit and the client account credit overdraft limit from the client accounts, wherein the freeze amount is not less than the payment amount;

create the electronic commitment payment certificate for the funds management server to commit to a payment according to an agreed condition; and send the electronic commitment payment certificate to the merchant device to make a credit commitment payment on behalf of the client device once the agreed condition is met, wherein the agreed condition is delivery of merchandise from the merchant to the client.

31. The funds management server of claim 30 wherein the funds management server is a single physical server of a bank.

32. The funds management server of claim 30 wherein the funds management server is a cluster server of a bank.

33. The funds management server of claim 30 wherein client information is stored in a database on the funds management server and each client device is associated with the client information.

34. The funds management server of claim 33 wherein the client information includes a customer ID.

35. The funds management server of any one of claims 33 and 34 wherein the client information includes an account opening bank.

36. The funds management server of any one of claims 33-35 wherein the client information includes an account name.

37. The funds management server of any one of claims 33-36 wherein the client information includes a bank account number.

38. The funds management server of any one of claims 33-37 wherein the client information includes a customer shipping information.

39. The funds management server of any one of claims 30-38 wherein the payment request includes a confirmed price.

40. The funds management server of any one of claims 30-39 wherein the payment request includes a receipt address.

41. The funds management server of any one of claims 30-40 wherein the payment request includes prices for a plurality of goods and serves.

42. The funds management server of any one of claims 30-41 wherein the payment request includes merchant information.

43. The funds management server of claim 42 wherein the merchant information includes a merchant receiving account number.

44. The funds management server of claim 42 wherein the merchant information includes a merchant ID.

45. The funds management server of claim 30 wherein the payment request includes a merchandise information.

46. The funds management server of claim 30 wherein a merchant account associated with the merchant device is kept confidential with respect to the client device.

47. The funds management server of claim 30 wherein the funds management server is connected to the plurality of merchant devices through the internet.

48. The funds management server of claim 30 wherein the funds management server is connected to the plurality of client computer devices through the internet.

49. The funds management server of claim 30 wherein the funds management server is a plurality of servers.

50. A network mixed payment method for protecting a client and a merchant in e-commerce transactions comprising:
receiving a payment request for an e-commerce transaction sent by a client device at a funds management server, the payment request including at least a payment amount;
comparing a total to the payment amount to determine whether an electronic commitment payment certificate is creatable to commit to a payment, the total comprising a client account funds balance for a bank account, a client account credit loan limit for a credit account and a client account credit overdraft limit for the credit account added together, the total being greater than 0, the electronic commitment payment certificate being creatable when the total is greater than or equal to the payment amount;
and when the electronic commitment payment certificate is creatable the method further comprises:
freezing a freeze amount at the funds management server, where the freeze amount is not less than the payment amount;
creating the electronic commitment payment certificate for the funds management server to commit to payment according to an agreed condition; and sending the electronic commitment payment certificate to a merchant device to make a credit commitment payment on behalf of the client device once the agreed condition is met, wherein the agreed condition is delivery of merchandise from the merchant to the client.

51. The payment method of claim 50 wherein the method further comprises:
sending an inquiry to the client device when the total is less than the payment amount asking whether the client account funds balance should be used; and issuing a sufficient funds from the client account funds balance when the client device grants an approval, otherwise terminating the payment, the sufficient funds being an amount required to make the total equal to or greater than the payment amount.

52. The method of any one of claims 50 and 51 wherein the payment request includes a customer information.

53. The method of any one of claims 50-52 wherein the payment request includes merchant information.

54. The method of any one of claims 50-53 wherein the payment request includes a merchandise information.

55. The method of any one of claims 50 and 51 wherein the method further comprises:
sending, from the merchant device, a payment information to the funds management server, the payment information including a delivery status;
synchronizing the payment information to the client device and the merchant device;
allocating the freeze amount to a merchant account when the delivery status is complete.

56. The method of claim 53 wherein the merchant information includes a merchant receiving account number.

57. The method of claim 53 wherein the merchant information includes a business ID.

58. The method of claim 50 wherein the electronic commitment payment certificate includes a commodity information.

59. The method of claim 50 wherein the electronic commitment payment certificate includes a delivery address.

60. The method of claim 50 wherein the electronic commitment payment certificate includes a validity period.

61. The method of claim 50 wherein the client device sends the payment request to the funds management server using a digital signature.

62. The method of claim 50 wherein the client device sends the payment request to the funds management server using a digital envelope.

63. A mixed payment device for protecting a client and a merchant in e-commerce transactions comprising:
a receiving module;
a judging module; and a processing module;
wherein the receiving module is configured to receive a payment request for an e-commerce transaction sent by a client device, wherein the payment request includes a payment amount;
the judging module is configured to compare a total with the payment amount to determine whether an electronic commitment payment certificate is creatable, wherein the total equals a client account funds balance for a bank account and a client account credit loan limit for a credit account added with a client account credit overdraft limit for the credit account, the total being greater than 0, the electronic commitment payment certificate being creatable when the total is greater than or equal to the payment amount;
the processing module is configured to create a freeze amount from the client account funds balance, the client account credit overdraft limit and the client account credit loan limit when the electronic commitment payment certificate is creatable; and the processing module is further configured to create the electronic commitment payment certificate when the freeze amount is not less than the payment amount and transmit the electronic commitment payment certificate to a merchant device, wherein the electronic commitment payment certificate includes an agreed condition that payment occurs upon delivery of merchandise from the merchant to the client.

64. The payment device of claim 63 wherein the processing module further comprises a freeze unit.

65. The payment device of claim 64 wherein the freeze unit is configured to create the freeze amount from the client account funds balance, the client account credit overdraft limit and the client account credit loan limit when the electronic commitment payment certificate is creatable and ensure that the freeze amount is not less than the payment amount.

66. The payment device of claim 63 wherein the processing module further comprises a certificate creation unit.

67. The payment device of claim 66 wherein the certificate creation unit is configured to create the electronic commitment payment certificate.

68. The payment device of claim 63 wherein the processing module further comprises a synchronization unit.

69. The payment device of claim 68 wherein the synchronization unit is configured to transmit the electronic commitment payment certificate to the merchant device.

70. The payment device of claim 66 wherein the processing module further comprises a transfer unit.

71. The payment device of claim 70 wherein the transfer unit is configured to receive the payment request and allocate the freeze amount to a merchant account.

72. A server comprising the payment device of any one of claims 66-72.

73. The payment device of claim 66 wherein the payment request includes merchant information.

74. The payment device of claim 66 wherein the payment request includes a product information.

75. The payment device of claim 66 wherein the payment request includes client information.

76. The payment device of claim 75 wherein the client information includes a customer ID.

77. The payment device of claim 73 wherein the merchant information includes a merchant receiving account.

78. The payment device of claim 73 wherein the merchant information includes a business ID.