CA2988818A1

CA2988818A1 - Cross-funds management server-based payment system, and method, device and server

Info

Publication number: CA2988818A1
Application number: CA2988818A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2015-04-30
Filing date: 2015-05-28
Publication date: 2016-11-03
Anticipated expiration: 2035-05-28
Also published as: WO2016173055A1; CA2988818C; CA3133527A1; CN106203982A

Abstract

A cross-funds management server-based payment system, and a method, device and server, belonging to the field of e-commerce. The method comprises: a second funds management server receives payment request information sent by a client end (S202); the sum of a credit overdraft limit, a credit loan limit and a funds balance of the client end is compared with a payment amount (S203), and it is determined whether an electronic commitment payment certificate can be opened; if so determined, the second funds management server respectively freezes the credit overdraft limit, the credit loan limit and the funds balance within a client end account, the credit overdraft limit, the credit loan limit and the funds balance corresponding to the payment amount (S204); the electronic commitment payment certificate for the second funds management server to commit to pay funds according to an agreed condition is generated (S205), and the electronic commitment payment certificate is sent to a merchant end to perform a credit commitment payment on behalf of the client end, and synchronised to an information centre server. The method supervises both parties in a transaction, reduces financial risk, and ensures the interests of both parties in the transaction.

Description

CROSS-FUNDS MANAGEMENT SERVER-BASED PAYMENT SYSTEM, AND METHOD, DEVICE AND SERVER
[1] [Technical Field]

[2] This invention refers to e-commerce field, especially, it is a cross funds server-based payment system and its method, device and server.

[3] [Background Technology]

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

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

[6] [Summary of the invention]

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

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

[9] A payment system based on a cross Funds-Management server including at least one first terminal, at least one client terminal, a second Funds-Management server connected to the information centre and client, and a first Funds-Management server connected to the merchant, the first Funds-Management server and the second Funds-Management server are connected with the information centre server respectively, wherein:

[10] The said client for sending payment request information including at least the payment amount to the said second Funds-Management server;

[11] The said Merchant for receiving the electronic commitment payment certificate sent by the second Fund-Management server;

[12] The second Funds-Management server is used for receiving payment request information delivered by the client; comparing the sum of the credit overdraft limit, credit loan limit and the funds balance with the payment amount to determine whether an electronic commitment payment certificate can be created; if possible, the second Funds-Management server respectively freeze the credit overdraft limit, credit loan limit and the funds balance within the client account, making the freezing funds exceeds or equals to the payment amount; generating the electronic commitment payment certificate of the second Funds-Management server to commit to pay funds according to the agreed condition, and sending the electronic commitment payment certificate to the merchant to make a credit commitment payment on behalf of the client and synchronize the electronic commitment payment certificate information to the information centre server.

[13] The first Funds-Management server is configured to store the electronic payment document information transmitted by the second Funds-Management server and allocate the received payment amount to the Merchant and account based on the electronic payment document information;

[14] The information centre server for storing and supervising the electronic commitment payment certificate information.

[15] According to another aspect of the present invention, there is a payment method based on a cross Funds-Management server, the method comprises the steps of:

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

[17] Comparing the sum of credit overdraft limit, credit loan limit and funds balance to determine whether an electronic commitment payment certificate can be generated to make a credit commitment payment;

[18] If possible, the second Funds-Management server will freeze the credit overdraft limit, credit loan limit and funds balance within the client account, making the freezing funds exceeds or equals to the payment amount; generating the electronic commitment payment certificate of the second Funds-Management server to commit to pay funds according to the agreed condition, and delivering the electronic commitment payment certificate to the merchant which is connected to the first Funds-Management server to make a credit commitment payment on behalf of the client, and synchronize the electronic commitment payment certificate to the information centre server.

[19] A payment device based on the cross Funds-Management server, the said device comprising a receiving module, a judging module and a processing module, wherein.

[20] The receiving module is configured to receive payment request information transmitted by the client connected with the second Funds-Management server, wherein the payment request information includes a payment amount;

[21] The judgement module is configured to compare the credit overdraft balance, credit loan limit and funds balance and the payment amount in the client amount, determining whether the electronic commitment payment certificate is generated;

[22] When the processing module is configured to freeze the credit overdraft limit, credit loan limit and funds balance in the client account when the payment is allowed so that the total amount of the freezing is greater than or equal to the payment amount;
generating an electronic commitment payment certificate, and deliver it to the merchant connected to the first Funds-Management server, and synchronize the electronic commitment payment certificate to the information centre server.

[23] A server based on the cross Funds-Management server, which comprising a payment device according to any one of above claim.

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

[25] [Brief Description]

[26] Figure 1 is a schematic diagram of the payment system based on a cross =

Funds-Management server that provided by the first example of the present invention;

[27] Figure 2 is a flow chart of the payment method based on the cross Funds-Management server provided by example 2 of the present invention;

[28] Figure 3 is a block diagram of a payment device based on a cross Funds-Management server provided by the example 3 of the present invention;

[29] Figure 4 is a block diagram of a payment system based on a cross Funds-Management server provided by the example 4 of the present invention.

[30] [Description of the Preferred Examples]

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

[32] Example 1

[33] As shown in Figure 1, it provides a cross Funds-Management server payment system includes at least one client 10, at least one merchant 20, information centre 50 and interconnected first Funds-Management server 30 and a second Funds-Management server 40, wherein:

[34] The client 10 is connected with server 40 of the second Funds-Management server for transmitting the payment request information to the second Funds-Management server 40, and the payment request information includes the payment amount.

[35] Specifically, the client 10 is suitable for the payer (buyer), including the account information of mobile phone, personal computer, PAD, and other intelligent devices, the account information of the client 10 is filled in when the customer registers and stored in the database of the Funds-Management service and (or) the information centre server, the account information of the client 10 includes customer ID, an account opening bank, account name, a bank account number, and a credit balance, and may also include the customer's shipping address. The payment request information is the information that the customer has written and confirmed shipping address information after the customer purchases the specific goods/services. According to the pre-set rules, price of the goods/services, and commercial Merchants of the goods/services, the client 10 generates data package; the packet will be transmitted to the second Funds-Management server 40.
The payment request information includes at least the payment amount, and may include the Merchant information and the product information. Among them, the Merchant information can be directly the Merchant's receiving account, it can also uniquely identify = CA 02988818 2017-12-08 the Merchant information (for an example, Merchant ID), by the second Fund-Management server 40 on the unique identification of the merchant from the database to find the corresponding bank account information. In the specific application, the account information of the Merchant 20 should be kept confidential with respect to the client 10, so the Merchant information is preferably the Merchant ID, and the second Fund-Management server 40 inquires the Merchant's receiving account by using the corresponding relationship between the Merchant ID and its receiving account number. In other words, the client 10 only needs to inform the second Funds-Management server 40 to which Merchant and which goods to pay the amount of funds, the second Fund-Management server 40 will be able to call out the Merchant account to implement the appropriate payment operation.

[36] The Merchant 20 is connected to the first Fund-Management server 30 for receiving the electronic commitment payment certificate transmitted by the second Fund-Management server 40.

[37] Specifically, the Merchant 20 is adapted to the recipient (Merchant), and the Merchant includes but not limited to devices such as servers, and POS machines and so on.
Merchants include but not limited to manufacturers, agents, logistics companies, etc. The merchant information is also registered in the database of the Fund-Management server and (or) the information centre server, and the merchant information includes, but not limited to merchant ID, merchant name, merchant opening bank, merchant account name, and merchant bank account number. The Merchant 20 receives the electronic commitment payment voucher transmitted from the second Funds-Management server 40, and extracts the merchandise information and the goods receipt information in the electronic commitment payment voucher information to designate the merchandise transmission destination.

[38] The funds management server 40 is used for receiving payment request information delivered by a client 10; comparing the sum of credit overdraft limit, credit loan limit and a funds balance in the client 10 with a payment amount to determine whether an electronic commitment payment certificate can be created; if possible, freezing the payment amount corresponding to the credit overdraft limit and credit loan limit and funds balance within a client account; generating the electronic commitment payment certificate by the second Funds-Management server 40 to make a commitment to pay funds according to an agreed condition, and delivering the electronic commitment payment certificate to a merchant 20 and synchronize to the information centre server 50.

[39] Specifically, the second Funds-Management server 40 receives the packet of the payment request information and analyses it according to the reset rule to obtain the relevant payment information including but not limited to the Merchant information, the merchandise information, and the payment amount And other necessary information, that is, to which Merchant which goods to pay the amount of money. The second Funds-Management server 40 inquires whether the balance of the bank funds and the credit overdraft amount of the client account is sufficient for the current settlement, and if it is insufficient, the payment is terminated and, if sufficient, the balance of the payment amount and the amount of credit overdraft, So that the total amount of the freeze is greater than or equal to the amount of the payment, until the merchant confirms the delivery or the customer confirms the receipt after the transfer operation.

[40] It is understandable that the frozen payment amount corresponding to the credit overdraft limit, credit loan limit and funds balance included the following cases:

[41] 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.

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

[43] 3. 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.

[44] 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.

[45] 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.

[46] 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.

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

[48] The information centre server 50 is respectively connected to the Funds-Management server 30 and second Funds-Management server 40 for storing and supervising the electronic commitment payment certificate information of the client 10 and the merchant 20.

[49] Specifically, both the client 10 and the merchant 20 can obtain the electronic commitment payment certificate information to the information centre server 50 via the Internet for subsequent processing, such as the correctness of the dual channel authentication information using the data. The second Funds-Management server 40 may further determine whether or not the payment operation is made in accordance with the state of the electronic commitment payment certificate information, that is, the payment request only freezes the balance of the credit overdraft limit, credit loan limit and funds balance, transferring and deducting the credit loan limit after confirming receipt.

[50] In the present example, the second Funds-Management server 40 may be connected to the plurality of clients 10 and via the Internet at the same time. The first funds-management server 30 may be connected to a plurality of Merchant terminals 20 and via the Internet at the same time. That is, the server where the Merchant 20 is located is not on the same server as the server where the client 10 is located. The second Fund-Management server 40 and the first Fund-Management server 30 can be a single server in the physical sense, or it can work in parallel for multiple servers in the physical sense, such as multiple physical servers. According to the different traffic, the resources of the server are automatically allocated to realize the Fund-Management. The second Fund-Management server 40 and the first Fund-Management server 30 includes but is not limited to servers in institutions such as banks, businesses, and so on. In the practical applications, it can be understood as the same bank's cluster Fund-Management server, but not limited to banks, but also the Internet to support the flow of funds in other institutions. Through the Funds-Management server and information centre server, the seller and seller of information are regulated, and the regulatory functions are merged into the bank or other institutions with credit ability to pay.

[51] Example 2

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

[53] S201, the client transmits the payment request information to the second Funds-Management server, and the payment request information includes the payment amount.

[54] Specifically, the payment request information received by the second Fund-Management server includes Merchant information, product information and payment amount, and it may also include the client information (for an example, client ID). Among them, the merchant information can be merchants' account number, and it can also be the only identification of the merchant information (such as merchant ID), to find the corresponding

55 PCT/CN2015/080094 bank account information based on the unique identification of the business from the database by the second Funds-Management server. In the specific application, the account information of the Merchant should be kept confidential with respect to the client .so the Merchant information is preferably the Merchant ID, and the second Funds-Management server inquires the Merchant's receiving account by using the corresponding relationship between the Merchant ID and its receiving account number. In other words, the client only needs to inform the second Fund-Management server to which Merchant and which goods to pay the amount of funds, the second Fund-Management server will be able to call out the Merchant account to implement the appropriate payment operation.
[55] S202, the second Fund-Management server receives the client to send the payment request information;

[56] S203, inquiring the sum of the credit overdraft limit, credit loan limit and funds balance, and comparing the sum of the credit overdraft limit, credit loan limit and funds balance with the payment amount, if the sum is greater than or equal to the amount, it indicates sufficient; if the sum is less than the amount, it indicates insufficient.
When credit overdraft limit, credit loan limit and funds balance is sufficient, the step S204 will be executed, otherwise not to pay;

[57] S204 and the second Funds-Management server respectively freeze the credit overdraft limit, credit loan limit and funds balance corresponding to the payment amount in the client account; it is understandable that the freezing the amount of the credit overdraft limit, credit loan limit and funds balance corresponding to the payment amount of funds balance including the following circumstances:

[58] 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.

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

[60] 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.

[61] 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.

[62] 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.

[63] 6. Respectively, to freeze part of the credit loan limit and credit overdraft limit of the = CA 02988818 2017-12-08 client's account, making the total amount of frozen greater than or equal to the amount of the payment.

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

[65] S205, the second Funds-Management server generates the electronic commitment payment certificate based on the payment request information and the freezing information and transmits the electronic commitment payment certificate to the Merchant;

[66] Specifically, since the payment request information is sent by the buyer to the second Fund-Management server through the client's operation, the payment information is objectively confirmed by the customer and authorized by the bank. The second Fund-Management server freezes the corresponding funds and generates an electronic commitment payment certificate based on the payment information, and the Merchant provides the corresponding merchandise/service according to the electronic commitment payment certificate.

[67] S206, the second Funds-Management server delivers the electronic payment certificate to the merchant and synchronizes to the first Funds-Management server;
Specifically, this step sends the generated electronic certificate information to the information centre server so that the information centre server performs subsequent tracking.

[68] S207, the second Funds-Management server receives the payment information;

[69] S208, the second Fund-Management server allocates the funds corresponding to the freezing amount to the first Fund-Management server;

[70] S209, the first Fund-Management server transfers the received payment amount to the account of the Merchant.

[71] The payment method based on the payment method provided by the example in the present invention receives the payment request information of the client through the second Funds-Management server, based on the sum of credit overdraft limit, credit loan limit and funds balance of the buyer to determine whether to pay or not, and by freezing the credit overdraft limit, credit loan limit and funds balance in the client account and generating electronic commitment payment certificate and synchronize to the information centre for conducting real-time monitoring, which can reduce the risk of funds to protect the interests of the buyers and the sellers.

[72] Example 3

[73] As shown in Figure 3, an example of the present invention provides a payment device including a receiving module 301, a judgement module 302, and a processing module 303, = CA 02988818 2017-12-08 wherein:

[74] The receiving module 301 is configured to receive payment request information delivered by the second Funds-Management server, wherein the payment request information includes a payment amount.

[75] Specifically, the payment request information received by the receiving module 301 includes merchant information, product information and payment amount, and may include merchant information (for an example, client ID). Among them, the merchant information can be merchants receiving account, and the merchant information can also be uniquely identified (such as business ID). In the particular application, the account information of the merchant should be kept confidential from the 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.

[76] The judgement module 302 is configured to determine whether or not to allow payment based on the credit overdraft balance, credit loan limit and funds balance and the payment amount.

[77] As a preferred scheme, the judgement module 302 is specifically configured to inquiry the client's credit overdraft limit, credit loan limit and funds balance; and determined whether the credit overdraft limit, credit loan limit and funds balance of the client account are greater than or equal to the payment amount, if possible, it is allowed to pay. In this way, in order to determine the sum of credit overdraft limit, credit loan limit and funds balance of the payment capacity, using the payment method of credit overdraft limit, credit loan limit and funds balance in advance, it can save the payment cycle to protect the interests of merchant. And 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 the credit overdraft limit, credit loan limit and funds balance of the account. Only credit overdraft limit, credit loan limit and funds balance in the client are more than or equal the payment amount, it shows that the client has the ability to pay, and then the payment behaviour is allowed.

[78] The processing module 303 configured to freeze the credit overdraft limit, credit loan limit and funds balance in the client account when the payment is allowed so that the total amount of the freezing is greater than or equal to the payment amount;
generating an electronic commitment payment certificate, and deliver it to the merchant connected to the second Funds-Management server, and synchronize the electronic commitment payment certificate to the information centre server.

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

[80] The freezing unit 3031 is configured to freeze the credit overdraft limit and the credit loan limit in the client account when the payment is allowed so that the total amount of the freezing are greater than or equal to the payment amount;

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

[82] The synchronization unit 3033 is configured to transmit the electronic commitment payment certificate information to the merchant.

[83] 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 corresponding frozen funds to the merchant account in the Funds-Management server.

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

[85] In addition, the present invention provides a Funds-Management server including a payment device in the Example 3, which is not repeated here.

[86] The payment device and server based on the payment method provided by the example in the present invention receives the payment request information of the client, based on the credit overdraft limit, credit loan limit and funds balance of the buyer to determine whether to pay or not, and by freezing the credit overdraft limit, credit loan limit and funds balance in the client account so that the total frozen amount is greater than or equal to the payment amount, and generating electronic commitment payment certificate and synchronize to the information centre for conducting real-time monitoring, which can reduce the risk of funds to protect the interests of the buyers and the sellers. In addition, by increasing the loan function, not only to facilitate the buyer, but also greatly enrich the bank or other institutions with credit ability to pay the business.

[87] Example 4

[88] As shown in Figure 4, a preferred example of the present invention provides a payment system based on a cross Funds-Management server, which includes client 10, merchant 20, and interconnected second Funds-Management server 40 with client 10, and a first Funds-Management server 30 that connects with the Merchant 20, wherein:

[89] The information centre server 50 is used to store and supervise the electronic commitment payment certificate information.

[90] The client 10 includes a payment request module 101 configured to send payment request = CA 02988818 2017-12-08 information to the second Funds-Management server 40, and the payment request information includes Merchant information, product information, and payment amount.

[91] The merchant 20 includes a certificate receiving module 201 and a certificate updating module 202, wherein the certificate receiving module 201 is configured to receive the electronic commitment payment certificate sent by the fund managing server 40.

[92] The Funds-Management server 40 includes a receiving module 301, a judgement module 302, and a processing module 303, wherein:

[93] The receiving module 301 is configured to receive payment request information transmitted by the client;

[94] The judgement module 302 is configured to compare the credit overdraft balance, credit loan limit and funds balance and the payment amount in the client amount, determining whether the electronic commitment payment certificate is generated;

[95] As a preferred example, the judgement module 302 is configured to determine whether the credit overdraft limit, credit loan limit and funds balance of the client account are greater than or equal to the payment amount, if yes, it is allowed to pay, otherwise terminate the payment process.

[96] The processing module 303 is configured to freeze the limit corresponding to the payment amount in the client account when payment is allowed, and generate an electronic conunitment payment certificate to deliver the electronic commitment payment certificate information to the merchant, and synchronized to the information centre server.

[97] As a preferred example, the receiving module 301 of the second Funds-Management server 40 is also responsible for receiving the payment information; the processing module 303 also includes a transferring module, which is configured to transfer equal funds to the account of the merchant after receiving the payment information.

[98] Specifically, since the payment request information is sent by the buyer to the second Funds-Management server 40 through the client 10, the payment information is objectively obtained by the client 10 confirming and authorizing the bank to pay. The second Funds-Management server 40 respectively freezes the corresponding credit overdraft limit, credit loan limit and funds balance, and generates an electronic commitment payment certificate based on the payment information. The electronic commitment payment certificate information includes but not limited to product information, payment amount (frozen funds or credit overdraft limit or credit loan limit), delivery address and validity period, the form is not limited to text, pictures, graphics and so on. The electronic commitment payment 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.

[99] 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.

[100] 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

The Claims

[Claim 1] A payment system based on a cross Funds-Management server including at least one first terminal, at least on merchant, a second Funds-Management server connected to the information centre and client, and a first Funds-Management server connected to the merchant, the first Funds-Management server and the second Funds-Management server are connected with the information centre server respectively, wherein:
The client is used for sending payment request information including at least a payment amount to the second Funds-Management server;
The Merchant is used for receiving an electronic commitment payment certificate sent by said first Fund-Management server;
The second Funds-Management server is used for receiving payment request information delivered by the client; comparing the sum of the credit overdraft limit, credit loan limit and the funds balance with the payment amount to determine whether an electronic commitment payment certificate can be created; if possible, the second Funds-Management server respectively freeze the credit overdraft limit, credit loan limit and the funds balance within the client account, making the freezing funds exceeds or equals to the payment amount; generating the electronic commitment payment certificate of the second Funds-Management server to commit to pay funds according to the agreed condition, and sending the electronic commitment payment certificate to the merchant to make a credit commitment payment on behalf of the client and synchronize the electronic commitment payment certificate information to the information centre server.
The Funds-Management server for storing the electronic payment document information transmitted by the second Funds-Management server and allocating the received payment amount to the Merchant account based on the electronic payment certificate information;
The information centre server for storing and supervising the electronic commitment payment certificate information.
[Claim 2] A payment system based on the cross Funds-Management server according to Claim 1, wherein the Funds-Management server is a single physical server or a cluster server of a bank;
[Claim 3] A network payment method based on the cross Funds-Management servers is comprised of the following steps:
The second Funds-Management server receives the payment request information transmitted by the client and the payment request information includes at least the payment amount;
Comparing the sum of credit overdraft limit, credit loan limit and funds balance to determine whether an electronic commitment payment certificate can be generated to make a credit commitment payment;
If possible, the second Funds-Management server will freeze the credit overdraft limit, credit loan limit and funds balance within the client account, making the freezing funds exceeds or equals to the payment amount; generating the electronic commitment payment certificate of the second Funds-Management server to commit to pay funds according to the agreed condition, and delivering the electronic commitment payment certificate to the merchant which is connected to the first Funds-Management server to make a credit commitment payment on behalf of the client, and synchronize the electronic commitment payment certificate to the information centre server.
[Claim 4] A payment method based on a cross Funds-Management server according to claim 3, and the method also comprises:
The client transmits payment request information to the second Funds-Management server, and the payment request information includes customer information, Merchant information, and product information.
[Claim 5] A payment method based on a cross Funds-Management server according to claim 3 or 4, wherein the method also comprises:
The second Funds-Management server receives the payment information, synchronizes the payment information to the information centre, and allocates the frozen funds to the merchant account connected with the first Funds-Management server.
[Claim 6] A payment device based on a cross Funds-Management server, the apparatus comprising a receiving module, a judging module and a processing module, wherein.
The receiving module is configured to receive payment request information delivered by the terminal which is connected to the second Funds-Management server, wherein the payment request information includes a payment amount;
The judgement module is configured to compare the credit overdraft balance, credit loan limit and funds balance and the payment amount in the client amount, determining whether the electronic commitment payment certificate is generated;
When the processing module is configured to freeze the credit overdraft limit, credit loan limit and funds balance in the client account when the payment is allowed so that the total amount of the freezing is greater than or equal to the payment amount; generating an electronic commitment payment certificate, and deliver it to the merchant connected to the first Funds-Management server, and synchronize the electronic commitment payment certificate to the information centre server.
[Claim 7] 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 configured to freeze the credit overdraft limit and the credit loan limit in the client account when the payment is allowed so that the total amount of the freezing are greater than or equal to the payment amount;
A certificate generation unit configured to generate an electronic commitment payment certificate;
A synchronization unit configured to transmit the electronic commitment payment certificate information to the merchant and synchronize to the information centre server.
[Claim 8] The payment device according to Claim 7, wherein the processing module further comprises a transferring unit which is configured to receive the payment information and then allocate the funds equal to the payment amount To the Funds-Management server.
[Claim 9] A server based on a cross Funds-Management server the server comprising a payment device according to any one of claims 6-8.