CN106203972A - Payment system based on same fund server and method, device and server - Google Patents
Payment system based on same fund server and method, device and server Download PDFInfo
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- CN106203972A CN106203972A CN201510217825.3A CN201510217825A CN106203972A CN 106203972 A CN106203972 A CN 106203972A CN 201510217825 A CN201510217825 A CN 201510217825A CN 106203972 A CN106203972 A CN 106203972A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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Abstract
The invention discloses a kind of payment system based on same capital management server and method of payment, device and server, belong to e-commerce field.Wherein, the method includes: capital management server receives the payment request information that client sends；Client credit facility extent is compared with payment with credit extension loan amount sum, it is judged that electronics acceptance and guarantee voucher can be outputed；If can, capital management server freezes the credit facility extent corresponding with payment and credit extension loan amount in client account respectively；Generate capital management server and promise to undertake the electronics acceptance and guarantee voucher paying fund by agreed terms solution, this electronics acceptance and guarantee voucher is sent to trade company's end and carries out credit acceptance and guarantee for described client.Use technical solution of the present invention, both parties are given supervision and can reduce financial risks, ensure the interests of both parties.
Description
Technical field
The present invention relates to e-commerce field, particularly relate to a kind of payment based on same fund server
System and method of payment, device and server.
Background technology
Ecommerce is applied in various commerce and trade activity the most more and more widely, so-called ecommerce
Refer in commerce and trade activity, under the network environment that the Internet is open, based on browser and service
Device application mode, it is achieved online transaction and online electronics between the shopping online of consumer, trade company prop up
Pay and various commercial activity, transaction, finance activities and the one of relevant integrated service activity
Commercial operation pattern.
At present, a lot of banks or enterprise both provide the service of network payment, it is allowed to guest operation meter
The terminal units such as calculation machine, mobile phone realize network payment, and the mode of network payment is that client provides very
Big facility.And during network payment, it mostly is the existing fund in use debit card or the credit card
Direct payment, or the third-party institution that the credit line in existing fund or the credit card directly transferred to makees
It is traded for guarantee, when not providing commodity or service to have once trade company or occur client to dispute on,
Fund security is difficult to be ensured.As can be seen here, present stage needs new payment system, method, dress
Put and server, to reduce user's financial risks, ensure the interests of both parties.
Summary of the invention
In view of this, the technical problem to be solved in the present invention is to provide a kind of based on same fund server
Payment system and method for payment, device and server, to reduce user's financial risks, guarantee is bought
Sell the interests of both sides.
It is as follows that the present invention solves the technical scheme that above-mentioned technical problem used:
A kind of payment system based on same fund server, including at least one client, at least one
Individual trade company end and capital management server, described capital management server respectively with described client and business
Family end connects, wherein:
Described client, at least includes payment for sending to described capital management server
Payment request information；
Described trade company end, for receiving the electronics acceptance and guarantee voucher that described capital management server sends；
Capital management server, for receiving the payment request information that described client sends；By client
Can credit facility extent and the credit extension loan amount sum of end compare with payment, it is judged that give birth to
Electronics acceptance and guarantee voucher is become to be paid；If can, freeze the credit in described client account respectively
Facility extent and credit extension loan amount so that freeze total value more than or equal to described payment, generation
The electronics acceptance and guarantee voucher paying fund by agreed terms solution is promised to undertake by described capital management server, and
Described electronics acceptance and guarantee credential information is sent to trade company's end and carries out credit promise for described client
Pay.
According to another aspect of the present invention, it is provided that a kind of based on same fund server network prop up
The method of paying, the method comprises the following steps:
Capital management server receives the payment request information that client sends, and wherein, pays request letter
Breath at least includes payment；
Described client credit facility extent and credit extension loan amount are compared with described payment
Relatively, it is judged that electronics acceptance and guarantee voucher can be generated and paid；
If can, the described credit facility extent freezed respectively in described client account and credit extension loan volume
Degree so that freeze total value more than or equal to described payment；Generate and carry described capital management service
The electronics acceptance and guarantee voucher of all names of device, is sent to business by described electronics acceptance and guarantee credential information
Family end carries out credit acceptance and guarantee for described client.
According to a further aspect of the invention, it is provided that a kind of based on same fund server payment dress
Putting, described device includes receiver module, judge module and processing module, wherein:
Receiver module, is set to receive the payment request information that client sends, wherein, described payment
Solicited message includes payment；
Judge module, is set to according to described client credit facility extent and credit extension loan amount and institute
State payment to determine whether to pay；
Processing module, is set to, when allowing to pay, freeze the credit in described client account respectively
Facility extent and credit extension loan amount so that freeze total value more than or equal to described payment；Generate
Electronics acceptance and guarantee voucher, is sent to trade company's end by described electronics acceptance and guarantee credential information.
The payment system based on same fund server of present invention offer and method, device and service
Device, is supervised the information of both parties by capital management server, is merged into by monitoring function
Bank or other possess the mechanism of credit payment ability；Simultaneously by freezing awarding of client account respectively
Letter facility extent and credit extension loan amount, and generate electronic payment certificate and monitor in real time, can reduce
Financial risks, ensure the interests of both parties；This scheme takes full advantage of the letter of capital management server
By maincenter function and wind control center function, promote network trading and guarantee with more optimal credit mechanism
Transaction funds safety, provides fiduciary media for both parties, can reduce also by the supervision of fund
Financial risks, ensure the interests of both parties.Additionally, facilitate client also by increasing loan function,
Also enrich bank or other possess the business of mechanism of credit payment ability.
Accompanying drawing explanation
A kind of based on same fund server the payment system that Fig. 1 provides for the embodiment of the present invention one
Schematic diagram；
A kind of based on same fund server the method for payment that Fig. 2 provides for the embodiment of the present invention two
Flow chart；
A kind of based on same fund server the method for payment that Fig. 3 provides for the embodiment of the present invention three
Flow chart；
A kind of based on same fund server the method for payment that Fig. 4 provides for the embodiment of the present invention four
Flow chart；
A kind of based on same fund server the payment mechanism that Fig. 5 provides for the embodiment of the present invention five
Function structure chart；
A kind of based on same fund server the payment system that Fig. 6 provides for the embodiment of the present invention six
Function structure chart.
Detailed description of the invention
In order to make the technical problem to be solved, technical scheme and beneficial effect clearer,
Understand, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that
Specific embodiment described herein only in order to explain the present invention, is not intended to limit the present invention.
Embodiment one
As it is shown in figure 1, a kind of based on same fund server the payment system that the embodiment of the present invention provides
System, this system includes at least one client 10, at least one trade company's end 20 and capital management server
30, capital management server 30 is connected with client 10 and trade company's end 20 respectively, wherein:
Client 10, is connected with capital management server 30, for capital management server 30
Sending payment request information, wherein payment request information includes payment.
Specifically, client 10 is applicable to paying party (buyer), including mobile phone, PC, PAD
Deng smart machine, the accounts information of client 10 is that user fills in when registering, and is stored in capital management
In the data base of service, the accounts information of client 10 includes ID, the bank of deposit, account name
The information such as title, Bank Account Number, credit line the, it is also possible to include/address of service information of receiving of client.
Payment request information is after user selects to buy concrete commodity/service, fills in/confirms and receives/service
The information such as address, client 10 by the rule preset according to the price of commodity/service, commodity/service institute
The packet that the trade company belonged to generates, sends the packet to capital management server 30.Pay request
Information at least includes payment, it is also possible to include merchant information and merchandise news.Wherein, trade company's letter
Breath can be directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company, by
Capital management server 30 uniquely identifies according to trade company searches the Bank Account Number that trade company is corresponding from data base
Information.In a particular application, the accounts information of trade company's end 20 should be secrecy relative to client 10,
Therefore merchant information is preferably trade company ID, capital management server 30 utilizes trade company ID and its shroff account number
There is corresponding relation and inquire about the shroff account number of trade company.It is to say, money informed by 10 need of client
Gold management server 30 pays how many funds, capital management server 30 to which commodity of which trade company
Just the account that can recall trade company realizes paying.
Trade company's end 20, is connected with capital management server 30, is used for receiving capital management server
The 30 electronics acceptance and guarantee vouchers sent.
Specifically, trade company's end 20 is applicable to beneficiary (seller), trade company's end include but not limited to server,
The equipment such as POS.Trade company includes but not limited to producer, agent, logistics company etc..Trade company
Information is also in the data base that user carries out registering and being stored in capital management server when opening an account, business
Family information include but not limited to trade company ID, name of firm, the bank of deposit of trade company, merchant account title,
The information such as trade company's Bank Account Number.Trade company's end 20 receives the electronics promise that capital management server 30 sends
After exchange order, by the merchandise news extracted in electronics acceptance and guarantee credential information and information of receiving, will
Specify commodity sending destination.
Capital management server 30, for receiving the payment request information that client 10 sends；By client
Can credit facility extent and the credit extension loan amount of end 10 compare with payment, it is judged that output
Electronics acceptance and guarantee voucher；If allowing to pay, then in freezing client account, payment is corresponding
Credit facility extent and credit extension loan amount, generate and promised to undertake by agreement bar by described capital management server
Part solution pays the electronics acceptance and guarantee voucher of fund, and electronics acceptance and guarantee credential information is sent to trade company's end
20。
Specifically, after capital management server 30 receives the packet of payment request information, by presetting
Rule resolve, obtain relevant payment information, relevant payment information includes but not limited to that trade company believes
The necessary informations such as breath, merchandise news and payment, i.e. to which commodity of which trade company pay how many
Fund.Capital management server 30 inquires about bank's credit facility extent and the credit extension loan volume of customer account
The most enough these clearing of degree sum, if not enough, then terminate this and pay, if sufficient, then divide
Do not freeze payment corresponding credit facility extent and credit extension loan amount so that freeze total value and be more than
Or equal to described payment, confirm to carry out, after delivery or client confirm to sign for, operation of remitting money until trade company
Complete transaction.
It is appreciated that at this and freezes payment corresponding credit facility extent and credit extension loan volume respectively
Spend and include following several situation:
One, credit facility extent is only freezed so that freeze total value more than or equal to described payment.
Two, credit extension loan amount is only freezed so that freeze total value more than or equal to described payment.
Three, difference frozen fraction credit facility extent and credit extension loan amount so that freeze total value and be more than
Or equal to described payment.
Specifically, capital management server 30 can also be according to the state of electronics acceptance and guarantee credential information
Further determine whether that operation of remitting money, i.e. request pay and simply freeze credit facility extent and credit extension loan
Amount, carries out remitting money and reduce credit extension loan amount after confirming to sign for again.
In the present embodiment, same capital management server 30, also can simultaneously with multiple clients 10 and
Multiple trade companies end 20 is all connected by the Internet.The i.e. server at trade company's end 20 account place and client
The server at 10 places is same capital management server 30.Same capital management server 30, can
Think the single server in physical significance, it is also possible to for the multiple servers in physical significance, as many
Platform physical server concurrent working, according to the difference of portfolio, the resource of automatic distribution server, is total to
With realizing capital management.Capital management server includes but not limited to the clothes in the tissue such as bank, enterprise
Business device.It can be understood as the cluster capital management server of same bank in actual application, but not
Be confined to bank, it is also possible to can support other mechanism of Capital Flow in the Internet, also or other
Possess the mechanism of credit payment ability, the third-party institution namely generally said.Taken by capital management
The information of both parties is supervised by business device, monitoring function is merged into bank or other possesses credit
The mechanism of ability to pay.
Embodiment two
As in figure 2 it is shown, a kind of based on same fund server the payer that the embodiment of the present invention provides
Method, is applied to capital management server, the method this comprise the following steps:
S201, capital management server receive the payment request information that client sends, and pay request letter
Breath at least includes payment.
Specifically, the payment request information that capital management server receives includes: merchant information, commodity
Information and payment, it is also possible to include client-side information (such as Customer ID).Wherein, merchant information can
To be directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company, by fund
Management server uniquely identifies according to trade company searches the bank account information that trade company is corresponding from data base.
In a particular application, the accounts information of trade company's end should be secrecy relative to client, therefore merchant information
It is preferably trade company ID, capital management server by utilizing trade company ID and there is corresponding relation with its shroff account number
Inquire about the shroff account number of trade company.It is to say, client only need to inform capital management server is to which
Which commodity of individual trade company pay how many funds, and the account that capital management server just can recall trade company is real
Execute corresponding delivery operation.
S202, credit facility extent and the credit extension loan amount sum of client are carried out with payment
Relatively, it is judged that electronics acceptance and guarantee voucher can be generated and paid, if it is allowed, then enter payment
Process, otherwise terminates this and pays.It is to be appreciated that in the present embodiment, credit facility extent is usual
Leaving in the credit card, described credit extension loan amount is generally mated with reference.
This step farther includes: capital management server account of inquiring client terminal from data base is awarded
Letter facility extent and credit extension loan amount；Judge whether are credit facility extent and credit extension loan amount sum
More than or equal to payment, if it is, allow this to pay；Otherwise terminate this to pay.Its
In, the Bank Account Number of client and credit card account can be that client is informed in payment request information
Capital management server, it is also possible to capital management server is inquired about from data base according to client id
, thus obtain credit facility extent and the credit extension loan amount of corresponding account.Only in client account
When indoor credit facility extent and credit extension loan amount sum are more than or equal to payment, just represent
Client has ability to pay, the most just allows to carry out payment behavior.So, billing cycle can be saved,
Ensure the interests of businessman.
S203, capital management server freeze the credit that the payment in client account is corresponding respectively
Facility extent and credit facility extent so that freeze total value more than or equal to described payment；
By freezing credit facility extent and credit extension loan amount respectively in this programme so that freeze total value
More than or equal to described payment；To guarantee follow-up to have enough funds not complete this transaction, but not
And trade company's account of directly remitting money, so ensured the interests of both parties, follow-up can by client,
Trade company's end or logistics company send a solution pair validation of information and have paid, capital management server connecing
After receiving solution pair information, reduce credit extension loan amount and credit facility extent, and by corresponding fund solution
Freeze and in the account of trade company's end of transferring.
S204, capital management server generate electronics acceptance and guarantee voucher, and are sent to trade company's end；
Specifically, it is sent to capital management owing to payment request information is the buyer by client operation take
Business device, its payment information has objectively obtained client and has confirmed and authorized bank's payment.Fund pipe
Reason server freezes corresponding credit facility extent or credit extension loan amount respectively, will generate basis simultaneously
Payment information generates electronics acceptance and guarantee voucher, and electronics acceptance and guarantee credential information includes but not limited to business
Product information, payment (frozen capital or credit extension loan amount or credit extension loan amount), delivery address
And effect duration, its form is not limited to text, picture, graphic code etc..This electronic certificate is as trade company's end
The voucher of reception fund, trade company's end provides corresponding commodity/clothes according to this electronics acceptance and guarantee voucher
Business.
S205, electronics acceptance and guarantee voucher is issued trade company's end carry out and be synchronized to trade company's end for client
And client.
Specifically, the electronic certificate information of generation is sent to trade company's end and client by this step, in order to
Follow-up tracking.
The credit facility extent of the embodiment of the present invention and the method for payment of credit extension loan amount, pass through fund
Management server receives the payment request information of client, according to credit facility extent and the credit of the buyer
Loan limit sum determines whether to pay, simultaneously saturating by freezing the credit of client account respectively
Amount and credit extension loan amount, and generate electronics acceptance and guarantee voucher and monitor in real time, can reduce
Financial risks, ensure the interests of both parties.
Embodiment three
As it is shown on figure 3, a kind of credit facility extent of preferred embodiment of the present invention offer and credit extension loan volume
The method of payment of degree, is applied to the payment system based on same fund server shown in Fig. 1, the method
Comprise the following steps:
S301, client send payment request information to capital management server, and payment request information is extremely
Include payment less；Capital management server receives the payment request information that client sends.
Wherein, payment request information is made up of multiple packets, at least includes that merchant information, commodity are believed
Breath and payment.Client-side information (such as Customer ID) can also be included.Wherein, merchant information is permissible
It is directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company, by fund pipe
Reason server uniquely identifies according to trade company searches the bank account information that trade company is corresponding from data base.?
In concrete application, the accounts information of trade company's end should be secrecy relative to client, therefore merchant information is excellent
The relation electing trade company ID, capital management server by utilizing trade company ID as corresponding with the existence of its shroff account number is come
The shroff account number of inquiry trade company.It is to say, client only need to inform capital management server is to which
Which commodity of trade company pay how many funds, and capital management server just can recall the account of trade company to be implemented
Corresponding delivery operation.
The mode that client sends payment request information to capital management server can use existing side
Formula is carried out, and such as uses the mode of digital signature or digital envelope to send.Digital signature refers to user
With the private key of oneself, the Hash digest of initial data is encrypted the data of gained.Information receiver makes
Obtain Hash after the digital signature after being attached to raw information being decrypted with the PKI of information transmitter to pluck
Want, and by compareing with the Hash digest oneself produced with the initial data received, just can be sure that original
Whether information is tampered.This ensures that there the non-repudiation of data transmission.Digital envelope then uses
Cryptographic technique ensure that the content of the recipient's ability reading information only specified.Digital envelope uses
Single key cryptosystem and public-key cryptosystem.Information transmitter is close first with the symmetry randomly generated
Code encryption information, the public key encryption symmetric cryptography of recycling recipient, close by the symmetry after public key encryption
Code is referred to as digital envelope.When the information of transmission, when receiving party wants decryption information, it is necessary to first
Decipher digital envelope with the private key of oneself, obtain symmetric cryptography, symmetric cryptography could be utilized to decipher gained
The information arrived.This ensures that there the authenticity and integrity of data transmission.
S302, the credit facility extent of inquiring client terminal account and credit extension loan amount sum, by described
Credit facility extent and credit extension loan amount sum compare with payment, if being more than or equal to, then illustrate
Abundance, if being less than, then illustrates inadequate.When credit facility extent and credit extension loan amount abundance,
Perform step S303, otherwise terminate, withhold payment；
S303, capital management server freeze the credit that the payment in client account is corresponding respectively
Facility extent and credit facility extent；It is appreciated that at this and freezes the corresponding credit of payment respectively
Facility extent and credit extension loan amount include following several situation:
1, the credit facility extent in client account is only freezed so that freeze total value more than or equal to institute
State payment.
2, credit extension loan amount is only freezed so that freeze total value more than or equal to described payment.
3, the credit facility extent in difference frozen fraction client account and credit extension loan amount so that
Freeze total value more than or equal to described payment.
S304, capital management server generate electronics acceptance and guarantee voucher；
S305, electronics acceptance and guarantee credential information is sent to trade company's end；
S306, trade company's end send to receive to capital management server and solve the information of paying；
It should be noted that in this step S306, trade company's end sends to receive to capital management server and solves
The information of paying is only one citing, in actual application, it is also possible to by client, logistics service device or
Other can be known that the entity of delivery status sends to capital management server and solve the information of paying.
Solution is paid synchronizing information to trade company's end and client by S307, capital management server.
Specifically, the electronics acceptance and guarantee credential information of renewal is synchronized to trade company by capital management server
End and client, can immediately know the circulation shape of commodity from the electronics acceptance and guarantee credential information updated
State, after commodity/service has been paid, the account of the trade company that the fund freezed can be remitted money to.
S308, the allocation of the funds corresponding to amount will be freezed in the account of trade company's end with described.Can manage
Solve, according to freezing method modes different in S303 step, will have the most supporting allocation of the funds scheme,
By in the corresponding allocation of the funds to the account of trade company's end..
S309, end flow process.
A kind of method of payment that the embodiment of the present invention provides, receives client by capital management server
Payment request information, credit facility extent and credit extension loan amount according to the buyer determine whether
Pay, simultaneously by freezing credit facility extent and the credit extension loan amount of client account respectively, make
Total value must be freezed more than or equal to described payment, and generate electronics acceptance and guarantee voucher and carry out in real time
Monitoring, can reduce financial risks, ensures the interests of both parties.
Embodiment four
As shown in Figure 4, the another kind of method of payment that the embodiment of the present invention provides, it is applied to shown in Fig. 1
Payment system based on same fund server, the method comprises the following steps:
S401, capital management server receive the payment request information that client sends.
Wherein, payment request information is made up of multiple packets, at least includes that merchant information, commodity are believed
Breath and payment.Client-side information (such as Customer ID) can also be included.Wherein, merchant information is permissible
It is directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company, by fund pipe
Reason server uniquely identifies according to trade company searches the bank account information that trade company is corresponding from data base.?
In concrete application, the accounts information of trade company's end should be secrecy relative to client, therefore merchant information is excellent
The relation electing trade company ID, capital management server by utilizing trade company ID as corresponding with the existence of its shroff account number is come
The shroff account number of inquiry trade company.It is to say, client only need to inform capital management server is to which
Which commodity of trade company pay how many funds, and capital management server just can recall the account of trade company to be implemented
Corresponding delivery operation.
The mode that client sends payment request information to capital management server can use existing side
Formula is carried out, and such as uses the mode of digital signature or digital envelope to send.Digital signature refers to user
With the private key of oneself, the Hash digest of initial data is encrypted the data of gained.Information receiver makes
Obtain Hash after the digital signature after being attached to raw information being decrypted with the PKI of information transmitter to pluck
Want, and by compareing with the Hash digest oneself produced with the initial data received, just can be sure that original
Whether information is tampered.This ensures that there the non-repudiation of data transmission.Digital envelope then uses
Cryptographic technique ensure that the content of the recipient's ability reading information only specified.Digital envelope uses
Single key cryptosystem and public-key cryptosystem.Information transmitter is close first with the symmetry randomly generated
Code encryption information, the public key encryption symmetric cryptography of recycling recipient, close by the symmetry after public key encryption
Code is referred to as digital envelope.When the information of transmission, when receiving party wants decryption information, it is necessary to first
Decipher digital envelope with the private key of oneself, obtain symmetric cryptography, symmetric cryptography could be utilized to decipher gained
The information arrived.This ensures that there the authenticity and integrity of data transmission.
S402, the credit facility extent of inquiring client terminal account and credit extension loan amount sum, by described
Credit facility extent and credit extension loan amount sum compare with payment, if being more than or equal to, then illustrate
Abundance, otherwise, then illustrate inadequate.When credit facility extent and credit extension loan amount abundance, hold
Row step S403, otherwise, performs step S404；
S403, capital management server freeze the credit facility extent in client account and credit respectively
Loan limit and credit extension loan amount so that freeze total value and be more than or equal to described payment, specifically
Can be divided into following several form:
1, the balance of funding in client account is only freezed so that freeze total value more than or equal to described
Pay the amount of money.
2, credit extension loan amount is only freezed so that freeze total value more than or equal to described payment.
3, credit facility extent is only freezed so that freeze total value more than or equal to described payment.
4, the part the balance of funding in difference frozen fraction client account and part credit extension loan amount,
Make to freeze total value more than or equal to described payment.
5, the part the balance of funding in difference frozen fraction client account and part credit facility extent,
Make to freeze total value more than or equal to described payment.
6, the part part credit extension loan amount in difference frozen fraction client account is saturating with part credit
Prop up amount so that freeze total value more than or equal to described payment.
7, the credit facility extent in difference frozen fraction client account and credit extension loan amount and money
Gold remaining sum so that freeze total value more than or equal to described payment.
S404, ask whether to need to use the balance of funding to client；If needing to use the balance of funding,
Then perform step S405, otherwise go to step S411；
S405, judge that described the balance of funding is the most sufficient；Abundance herein has been appreciated that several situation:
1, the original credit facility extent in client account and credit extension loan amount and part fund
When remaining sum sum is more than or equal to the amount of described payment, then it is assumed that described the balance of funding amount is filled
Foot, otherwise, inadequate；
2, when the balance of funding is more than or equal to the amount of described payment, then it is assumed that described the balance of funding
Amount is sufficient, otherwise, inadequate.
Specifically, the balance of funding can also be defaulted as this amount of money paying shortcoming.Such as, client is worked as
When the price of the commodity selected is 1500 yuan (payment), if the credit in customer account
When facility extent and credit extension loan amount only have 900 yuan, then need to call the balance of funding 600 yuan, ability
Reach to allow payment standards, carry out payment behavior.Certainly, use another mode, as directly adjusted
With the balance of funding 1500 yuan, pay, be also feasible.
S406, capital management server freeze the credit facility extent in client account and credit respectively
Loan limit and the balance of funding so that freeze total value more than or equal to after described payment, will be raw
Become electronics acceptance and guarantee voucher；
S407, electronics acceptance and guarantee credential information is sent to trade company's end；
S408, trade company's end send to receive to capital management server and solve the information of paying；
It should be noted that in this step S408, trade company's end sends to receive to capital management server and solves
The information of paying is only one citing, in actual application, it is also possible to by client, logistics service device or
Other can be known that the entity of delivery status sends to capital management server and solve the information of paying.
Solution is paid synchronizing information to trade company's end and client by S409, capital management server.
Specifically, the electronics acceptance and guarantee credential information of renewal is synchronized to trade company by capital management server
End and client, can immediately know the circulation shape of commodity from the electronics acceptance and guarantee credential information updated
State, after commodity/service has been paid, the account of the trade company that the fund freezed can be remitted money to.
S410, the allocation of the funds corresponding to amount will be freezed in the account of trade company's end with described.Can manage
Solve, according to freezing methods different in S403 step, will have the most supporting allocation of the funds scheme, will
The corresponding allocation of the funds is in the account of trade company's end.
S411, end flow process.
The embodiment of the present invention, on the basis of embodiment three, by increasing inquiry the balance of funding step,
Not only facilitate the buyer, and extreme enrichment bank or other possess the mechanism of credit payment ability
Business；Additionally, carry out synchronized tracking, by business also by the electronics acceptance and guarantee voucher of both parties
The circulation track of product and the circulation track of fund are effectively combined so that the rights and interests of both parties all can obtain
To effectively protection.
Embodiment five
As it is shown in figure 5, the embodiment of the present invention provide a kind of payment mechanism, including receiver module 301,
Judge module 302, processing module 303, wherein:
Receiver module 301, is set to receive the payment request information that client sends, and wherein, paying please
Information is asked to include payment.
Specifically, the payment request information that receiver module 301 receives includes: merchant information, merchandise news
And payment, it is also possible to include client-side information (such as Customer ID).Wherein, merchant information can be straight
Jie Shi trade company shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company.In concrete application
In, the accounts information of trade company's end should be secrecy relative to client, therefore merchant information is preferably trade company
ID, say, that client only need to inform capital management server to which commodity of which trade company props up
Pay how many funds, this device the account recalling trade company implements corresponding delivery operation.
Judge module 302, is set to according to client credit facility extent and credit extension loan amount and payment
The amount of money determines whether to pay.
As the preferred scheme of one, it is judged that module 502 is specifically configured to: the account of inquiring client terminal is awarded
Letter facility extent and credit extension loan amount；Judge credit facility extent and the credit extension loan of client account
When whether amount is more than or equal to payment, if it is, allow to pay.So, account is first judged
Family credit facility extent and the ability to pay of credit extension loan amount sum, preferential employing account credit overdraw
The mode that amount and credit extension loan amount pay, can save billing cycle, ensures the interests of businessman.
Wherein, Bank Account Number or the credit card account of client can be that client is in payment request information
Inform this device, it is also possible to be that this device is inquired about according to client-side information from data base, obtain
Corresponding account credit facility extent and credit extension loan amount.Only client credit facility extent and
When credit extension loan amount is more than or equal to payment, just represent that client has the energy carrying out payment behavior
Power, the most just allows to carry out payment behavior.
As another kind of preferred embodiment, it is judged that module 302 is also configured to: when the credit of client account
When facility extent and credit extension loan amount sum are less than payment, ask whether to need to send out to client
Put credit extension loan amount；If needing credit extension loan amount, then provide credit extension loan to client account
Amount, it is allowed to this pays；Pay if it is not required, then terminate this.So, not only facilitate
The buyer, also enriches bank or other possess the business of mechanism of credit payment ability.When using money
When gold management server obtains Bank Account Number or credit card account according to customer information, a client may
There is multiple account, it is also possible to use mixed payment mode.Such as, when commodity of customer selecting
When price is 1500 yuan (payment), its credit facility extent and credit extension loan amount sum are only
When 900 yuan, then the amount that client can be used for paying has 900 yuan, then cannot implement payment behavior；Can
By calling the balance of funding 600 yuan, then have the use amount of 1500 yuan, just can implement payment behavior.
Processing module 303, is set to, when allowing to pay, freeze the credit in client account respectively saturating
Prop up amount and credit extension loan amount and credit extension loan amount so that freeze total value more than or equal to described
Pay the amount of money；Generate electronics acceptance and guarantee voucher, electronics acceptance and guarantee credential information is sent to trade company's end.
Preferably, processing module 303 farther includes freezing unit 3031, voucher signal generating unit 3032 and
Lock unit 3033, wherein:
Freezing unit 3031, is set to, when allowing to pay, freeze the credit in client account respectively
Facility extent and credit extension loan amount and credit extension loan amount so that freeze total value more than or equal to described
Payment；
Voucher signal generating unit 3032, is set to generate electronics acceptance and guarantee voucher；
Lock unit 3033, is set to electronics acceptance and guarantee credential information is sent to trade company's end.
Additionally, processing module 303 can also include unit of remitting money, after being set to receive solution pair information,
Solution is paid synchronizing information to trade company's end and client, and by the corresponding allocation of the funds freezed to trade company's end
In account.
It should be noted that the technical characteristic in said method embodiment two, three, four is equal at this device
Corresponding applicable, the most no longer repeat.
Additionally, present invention also offers a kind of capital management server, this capital management server includes
Payment mechanism in embodiment four, the most no longer repeats.
The payment mechanism of the embodiment of the present invention and server, by receiving the payment request information of client,
Credit facility extent and credit extension loan amount according to the buyer determine whether to pay, simultaneously by dividing
Do not freeze fund and the credit extension loan amount of client account so that freeze total value more than or equal to described
Payment, and generate electronics acceptance and guarantee voucher and monitor in real time, financial risks can be reduced, protect
The interests of barrier both parties.Additionally, also by increasing the function calling the balance of funding, not only facilitate
The buyer, and extreme enrichment bank or other possess the business of mechanism of credit payment ability.
Embodiment six
As shown in Figure 6, a kind of based on same fund server the payment that the preferred embodiment of the present invention provides
System, this system includes client 10, trade company's end 20 and capital management server 30, wherein:
Client 10, including paying request module 101, is set to send to capital management server 30 prop up
Paying solicited message, wherein, payment request information includes: merchant information, merchandise news and payment.
Trade company's end 20, including voucher receiver module 201 and voucher more new module 202, wherein, voucher receives
Module 201 is set to receive the electronics acceptance and guarantee voucher that capital management server 30 sends.
Capital management server 30 includes receiver module 301, judge module 302 and processing module 303,
Wherein:
Receiver module 301, is set to receive the payment request information that client sends；
Judge module 302, be set to compare client credit facility extent and credit extension loan amount sum with
Payment, it is judged that electronics acceptance and guarantee voucher can be outputed；
As a kind of preferred embodiment, it is judged that module 302 is set to: judge that the credit of client account is saturating
When whether propping up amount and credit extension loan amount more than or equal to payment, if it is, allow to pay；
Otherwise determine whether whether the loan balance of client account is more than or equal to payment, if it is,
Then allow to pay.
Processing module 303, is set to, when allowing to pay, freeze the payment pair in client account
The amount answered；Generate electronics acceptance and guarantee voucher, electronics acceptance and guarantee credential information is sent to trade company
End.
As a kind of preferred embodiment, the receiver module 301 of capital management server 30 is also configured to receive
Solve the information of paying；Processing module 303 also includes module of remitting money, and after being set to receive solution pair information, will solve
Pay synchronizing information to trade company's end and client, and by the account of the corresponding allocation of the funds freezed to trade company's end
In.
Specifically, due to payment request information be the buyer pass through client 10 operation be sent to capital management
Server 30, its payment information has objectively obtained client 10 and has confirmed and authorized bank's payment.
Capital management server 30 freezes corresponding the balance of funding and credit facility extent respectively, will generate simultaneously
Generating electronics acceptance and guarantee voucher according to payment information, electronics acceptance and guarantee credential information includes but does not limits
In merchandise news, payment (frozen capital or credit extension loan amount or credit facility extent), delivery
Address and effect duration, its form is not limited to text, picture, graphic code etc..This electronic certificate is as business
The voucher of the reception fund of family end 20, trade company's end 20 provides corresponding according to this electronics acceptance and guarantee voucher
Commodity/service.
One of ordinary skill in the art will appreciate that all or part of step realizing in above-described embodiment method
Suddenly the hardware that the program that can be by controls to be correlated with completes, and described program can be stored in a meter
In calculation machine read/write memory medium, described storage medium, such as ROM/RAM, disk, CD etc..
Illustrate the preferred embodiments of the present invention above by reference to accompanying drawing, not thereby limit to the power of the present invention
Profit scope.Those skilled in the art without departing from any amendment made in the scope of the present invention and essence,
Equivalent and improvement, all should be within the interest field of the present invention.
Claims (10)
1. a payment system based on same fund server, including at least one client, at least
One trade company's end and capital management server, described capital management server respectively with described client and
Trade company's end connects, wherein:
Described client, at least includes payment for sending to described capital management server
Payment request information；
Described trade company end, for receiving the electronics acceptance and guarantee voucher that described capital management server sends；
Capital management server, for receiving the payment request information that described client sends；The most objective
Family end credit facility extent and credit extension loan amount sum and payment, it is judged that electronics can be generated and hold
Promise evidence for payment is paid；If can, capital management server freezes in described client account respectively
Credit facility extent and credit extension loan amount so that freeze total value more than or equal to described payment,
Generate by described capital management server promise to undertake by agreed terms solution pay the electronics acceptance and guarantee of fund with
Card, and described electronics acceptance and guarantee credential information is sent to trade company's end carries out credit for described client
Acceptance and guarantee.
Payment system based on same fund server the most according to claim 1, wherein, institute
Stating capital management server is: the single one physical server of bank or cluster server；Or other
Possess single one physical server or the cluster server of the mechanism of credit payment ability.
3. a method of network payment based on same fund server, the method comprises the following steps:
Capital management server receives the payment request information that client sends, and wherein, pays request letter
Breath at least includes payment；
Compare described client credit facility extent and credit extension loan amount sum and described payment,
Can judgement generate electronics acceptance and guarantee voucher and be paid；
If can, the described credit facility extent freezed respectively in described client account and credit extension loan volume
Degree so that freeze total value more than or equal to described payment；Generate and promised to undertake by capital management server
The electronics acceptance and guarantee voucher of fund is paid, by described electronics acceptance and guarantee credential information by agreed terms solution
It is sent to trade company's end and carries out credit acceptance and guarantee for described client.
Method of payment based on same fund server the most according to claim 3, wherein, institute
Method of stating also includes:
When credit facility extent and the credit extension loan amount sum of described client account are less than payment
Time, ask whether to need to use the balance of funding to client；If need use the balance of funding, then to
Client account granting uses in full amount the balance of funding, it is determined that allow to pay, if need not use fund
Remaining sum, then terminate this and pay.
5. according to the method for payment based on same fund server described in claim 3 or 4, wherein,
Also include before described method:
Client sends payment request information to capital management server, and wherein, described payment asks letter
Breath includes: customer information, merchant information and merchandise news.
6. according to the method for payment based on same fund server described in claim 3 or 4, its
In, also include after described method:
Capital management server receives solution and pays after information, described solution is paid synchronizing information to trade company's end with
Client, and by the account of the described allocation of the funds freezed to described trade company end.
7. a payment mechanism based on same fund server, described device includes receiver module, sentences
Disconnected module and processing module, wherein.
Receiver module, is set to receive the payment request information that client sends, wherein, described payment
Solicited message includes payment；
Judge module, is set to client credit facility extent described in comparison and credit extension loan amount sum
With described payment, it is judged that electronics acceptance and guarantee voucher can be outputed；
Processing module, is set to, when allowing to pay, freeze the credit in described client account respectively
Facility extent and credit extension loan amount so that freeze total value more than or equal to described payment；Generate
Electronics acceptance and guarantee voucher, is sent to trade company's end by described electronics acceptance and guarantee credential information.
Payment mechanism the most according to claim 7, wherein, described processing module farther includes
Freezing unit, voucher signal generating unit and lock unit, wherein:
Freezing unit, is set to, when allowing to pay, freeze the credit in described client account respectively
Facility extent and credit extension loan amount so that freeze total value more than or equal to described payment；
Voucher signal generating unit, is set to generate electronics acceptance and guarantee voucher；
Lock unit, is set to described electronics acceptance and guarantee credential information is sent to trade company's end.
Credit facility extent the most according to claim 8 and the payment mechanism of credit extension loan amount,
Wherein, described processing module also includes unit of remitting money, described in unit of remitting money be set to receive Xie Fuxin
After breath, by solution pair synchronizing information to trade company's end and client, and by the described allocation of the funds freezed to institute
State the account of trade company's end.
10. a server based on same fund server, described server includes claim 7-8
Payment mechanism described in middle any one claim.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510217825.3A CN106203972A (en) | 2015-04-30 | 2015-04-30 | Payment system based on same fund server and method, device and server |
| PCT/CN2015/080086 WO2016173052A1 (en) | 2015-04-30 | 2015-05-28 | Payment system based on shared funds-management server, and method, device and server therefor |
| CA2988812A CA2988812C (en) | 2015-04-30 | 2015-05-28 | Payment system based on shared funds-management server, and method, device and server therefor |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510217825.3A CN106203972A (en) | 2015-04-30 | 2015-04-30 | Payment system based on same fund server and method, device and server |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106203972A true CN106203972A (en) | 2016-12-07 |
Family
ID=57199619
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510217825.3A Pending CN106203972A (en) | 2015-04-30 | 2015-04-30 | Payment system based on same fund server and method, device and server |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106203972A (en) |
| CA (1) | CA2988812C (en) |
| WO (1) | WO2016173052A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107622444A (en) * | 2017-09-26 | 2018-01-23 | 阿里巴巴集团控股有限公司 | Business access method and device, electronic equipment |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8065187B2 (en) * | 2007-12-21 | 2011-11-22 | Metabank | System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card |
| CN103413241A (en) * | 2013-07-12 | 2013-11-27 | 广州银联网络支付有限公司 | Bank reception and payment system |
| CN104200356A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Data processing system and method suitable for financing payment |
-
2015
- 2015-04-30 CN CN201510217825.3A patent/CN106203972A/en active Pending
- 2015-05-28 CA CA2988812A patent/CA2988812C/en active Active
- 2015-05-28 WO PCT/CN2015/080086 patent/WO2016173052A1/en active Application Filing
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107622444A (en) * | 2017-09-26 | 2018-01-23 | 阿里巴巴集团控股有限公司 | Business access method and device, electronic equipment |
Also Published As
| Publication number | Publication date |
|---|---|
| CA2988812C (en) | 2020-01-28 |
| WO2016173052A1 (en) | 2016-11-03 |
| CA2988812A1 (en) | 2016-11-03 |
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