CN106203974A - 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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- CN106203974A CN106203974A CN201510217847.XA CN201510217847A CN106203974A CN 106203974 A CN106203974 A CN 106203974A CN 201510217847 A CN201510217847 A CN 201510217847A CN 106203974 A CN106203974 A CN 106203974A
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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 and the balance of funding sum, it is judged that electronics acceptance and guarantee voucher can be outputed；If can, capital management server freezes the interior credit facility extent corresponding with payment of client account and credit extension loan amount and the balance of funding 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 system based on same fund server 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 refers in commerce and trade activity, under the network environment that the Internet is open, based on browser and server application mode, it is achieved online transaction between the shopping online of consumer, trade company and online pay by mails and a kind of commercial operation pattern of various commercial activity, transaction, finance activities and relevant integrated service activity.
At present, a lot of banks or enterprise both provide the service of network payment, it is allowed to the terminal units such as guest operation computer, mobile phone realize network payment, and the mode of network payment is that client provides great convenience.And during network payment, it mostly is the existing fund in use debit card or credit card direct payment, or the third-party institution that the credit line in existing fund or the credit card directly transferred to is traded as 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, device and server, to reduce user's financial risks, ensures 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 payment system based on same fund server and method of payment, device and server, to reduce user's financial risks, ensures the interests of both parties.
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 trade company's end and capital management server, described capital management server is connected with described client and trade company's end, wherein respectively:
Described client, for sending the payment request information at least including payment to described capital management server；
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 credit facility extent of client is compared with payment with credit extension loan amount and the balance of funding sum, it is judged that electronics acceptance and guarantee voucher can be generated and paid；If can, freeze the credit facility extent in described client account and credit extension loan amount and the balance of funding respectively, make to freeze total value more than or equal to described payment, generate and promised to undertake the electronics acceptance and guarantee voucher paying fund by agreed terms solution by described capital management server, and described electronics acceptance and guarantee credential information is sent to trade company's end carries out credit acceptance and guarantee for described client.
According to another aspect of the present invention, it is provided that a kind of based on same fund server method of network payment, the method comprises the following steps:
Capital management server receives the payment request information that client sends, and wherein, payment request information at least includes payment；
Described client credit facility extent is compared with described payment with credit extension loan amount and the balance of funding, 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 amount and the balance of funding so that freeze total value more than or equal to described payment；Generate the electronics acceptance and guarantee voucher carrying the described all names of capital management server, described electronics acceptance and guarantee credential information is sent to trade company's end and 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 mechanism, described device includes receiver module, judge module and processing module, wherein:
Receiver module, is set to receive the payment request information that client sends, and wherein, described payment request information includes payment；
Judge module, is set to determine whether to pay according to described client credit facility extent and credit extension loan amount and the balance of funding and described payment；
Processing module, is set to, when allowing to pay, freeze the credit facility extent in described client account and credit extension loan amount and the balance of funding respectively so that freeze total value more than or equal to described payment；Generate electronics acceptance and guarantee voucher, described electronics acceptance and guarantee credential information is sent to trade company's end.
A kind of server based on same fund server, described server includes the payment mechanism described in above-mentioned any one claim.
Payment system based on same fund server that the present invention provides and method, device and server, supervised the information of both parties by capital management server, monitoring function be merged into bank or other possess the mechanism of credit payment ability；Simultaneously by freezing credit facility extent and credit extension loan amount and the balance of funding of client account respectively, and generate electronic payment certificate and monitor in real time, financial risks can be reduced, ensure the interests of both parties.
Accompanying drawing explanation
The schematic diagram of a kind of based on same fund server the payment system that Fig. 1 provides for the embodiment of the present invention one；
The flow chart of a kind of based on same fund server the method for payment that Fig. 2 provides for the embodiment of the present invention two；
The flow chart of a kind of based on same fund server the method for payment that Fig. 3 provides for the embodiment of the present invention three；
The function structure chart of a kind of based on same fund server the payment mechanism that Fig. 4 provides for the embodiment of the present invention four；
The function structure chart of a kind of based on same fund server the payment system that Fig. 5 provides for the embodiment of the present invention five.
Detailed description of the invention
In order to make the technical problem to be solved, technical scheme and beneficial effect clearer, clear, 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 shown in Figure 1, a kind of based on same fund server the payment system that the embodiment of the present invention provides, this system includes at least one client 10, at least one trade company's end 20 and capital management server 30, and capital management server 30 is connected with client 10 and trade company's end 20, wherein respectively:
Client 10, is connected with capital management server 30, and for sending payment request information to capital management server 30, wherein payment request information includes payment.
Specifically, client 10 is applicable to paying party (buyer), the smart machine such as including mobile phone, PC, PAD, the accounts information of client 10 is that user fills in when registering, and be stored in the data base of capital management service, the accounts information of client 10 includes the information such as ID, the bank of deposit, name on account, Bank Account Number, credit line, it is also possible to include/address of service the information of receiving of client.Payment request information is after user selects to buy concrete commodity/service, fill in/confirm/information such as address of service of receiving, the packet that client 10 is generated according to the trade company belonging to the price of commodity/service, commodity/service as the rule preset, sends the packet to capital management server 30.Payment request information at least includes payment, it is also possible to include merchant information and merchandise news.Wherein, merchant information can be directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company, capital management server 30 uniquely identify according to trade company and search the bank account information that trade company is corresponding from data base.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, and capital management server 30 utilizes trade company ID to there is corresponding relation to inquire about the shroff account number of trade company with its shroff account number.It is to say, 10 need of client inform capital management server 30 pays how many funds to which commodity of which trade company, capital management server 30 just can recall the account of trade company and realize paying.
Trade company's end 20, is connected with capital management server 30, for receiving the electronics acceptance and guarantee voucher that capital management server 30 sends.
Specifically, trade company's end 20 is applicable to beneficiary (seller), and trade company's end includes but not limited to the equipment such as server, POS.Trade company includes but not limited to producer, agent, logistics company etc..Merchant information is also that in the data base that user carries out registering and being stored in capital management server when opening an account, merchant information includes but not limited to the information such as trade company ID, name of firm, the bank of deposit of trade company, merchant account title, trade company's Bank Account Number.After trade company's end 20 receives the electronics acceptance and guarantee voucher that capital management server 30 sends, by the merchandise news extracted in electronics acceptance and guarantee credential information and information of receiving, commodity sending destination will be specified.
Capital management server 30, for receiving the payment request information that client 10 sends；The credit facility extent of client 10 is compared with payment with credit extension loan amount and the balance of funding, it is judged that electronics acceptance and guarantee voucher can be outputed；If allowing to pay, then freeze credit facility extent corresponding to payment in client account and credit extension loan amount, generate and promised to undertake the electronics acceptance and guarantee voucher paying fund by agreed terms solution by described capital management server, 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, resolve by default rule, obtain relevant payment information, relevant payment information includes but not limited to the necessary informations such as merchant information, merchandise news and payment, i.e. pays how many funds to which commodity of which trade company.Capital management server 30 inquires about bank's credit facility extent and credit extension loan amount and the most enough these clearing of the balance of funding sum of customer account, if it is not enough, then terminate this to pay, if it is sufficient, freeze payment corresponding credit facility extent and credit extension loan amount and the balance of funding the most respectively, making to freeze total value and be more than or equal to described payment, carry out remitting money after trade company confirms delivery or client's confirmation is signed for operation completion transaction.
It is appreciated that at this that freezing payment corresponding credit facility extent and credit extension loan amount and the balance of funding respectively includes following several situation:
One, the balance of funding in client account 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, credit facility extent is only freezed so that freeze total value more than or equal to described payment.
Four, the balance of funding in difference frozen fraction client account and part credit extension loan amount so that freeze total value more than or equal to described payment.
Five, the balance of funding in difference frozen fraction client account and part credit facility extent so that freeze total value more than or equal to described payment.
Six, difference frozen fraction credit extension loan amount and part credit facility extent so that freeze total value more than or equal to described payment.
Seven, the credit facility extent in difference frozen fraction client account and credit extension loan amount and the balance of funding so that freeze total value more than or equal to described payment.
Specifically, capital management server 30 can also further determine whether, according to the state of electronics acceptance and guarantee credential information, operation of remitting money, i.e. request pays and simply freezes credit facility extent and credit extension loan amount and the balance of funding, 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 be all connected by the Internet with multiple clients 10 and multiple trade companies end 20 simultaneously.The i.e. server at trade company's end 20 account place is same capital management server 30 with the server at client 10 place.Same capital management server 30, can be the single server in physical significance, it is also possible to for the multiple servers in physical significance, such as multiple stage physical server concurrent working, according to the difference of portfolio, the resource of automatic distribution server, jointly realize capital management.Capital management server includes but not limited to the server in the tissue such as bank, enterprise.In actual application, can be understood as the cluster capital management server of same bank, but be not limited to bank, it is also possible to other mechanism of Capital Flow can be supported in the Internet, also or other possess the mechanism of credit payment ability, the third-party institution namely generally said.By capital management server, the information of both parties is supervised, monitoring function is merged into bank or other possesses the mechanism of credit payment ability.
Embodiment two
As in figure 2 it is shown, the embodiment of the present invention provide a kind of based on same fund server method of payment, be 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 payment request information at least includes payment.
Specifically, the payment request information that capital management server 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 directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company, capital management server uniquely identify according to trade company and search 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 is preferably trade company ID, the capital management server by utilizing trade company ID relation corresponding with the existence of its shroff account number and inquires about the shroff account number of trade company.It is to say, client only need to inform capital management server pays how many funds to which commodity of which trade company, capital management server just can recall the account of trade company and implement corresponding delivery operation.
S202, the credit facility extent of client is compared with payment with credit extension loan amount and the balance of funding sum, it is judged that electronics acceptance and guarantee voucher can be generated and paid, if it is allowed, then enter payment process, otherwise terminate this and pay.It is to be appreciated that in the present embodiment, credit facility extent is commonly stored in the credit card, described credit extension loan amount is generally mated with reference.
This step farther includes: capital management server is the account credit facility extent of inquiring client terminal and credit extension loan amount and the balance of funding from data base；Judge whether credit facility extent is more than or equal to payment, if it is, allow this to pay with credit extension loan amount and the balance of funding sum；Otherwise terminate this to pay.Wherein, the Bank Account Number of client and credit card account can be that client informs capital management server in payment request information, can also inquire about from data base according to client id by capital management server, thus obtain credit facility extent and credit extension loan amount and the balance of funding of corresponding account.When only the credit facility extent in client account is more than or equal to payment with credit extension loan amount and the balance of funding sum, just represent that 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 credit facility extent corresponding to the payment in client account and credit facility extent and the balance of funding respectively so that freeze total value more than or equal to described payment；
By freezing credit facility extent and credit extension loan amount and the balance of funding respectively in this programme so that freeze total value more than or equal to described payment；With guarantee follow-up have enough funds complete this transaction, but trade company's account of and directly not remitting money, the interests of both parties are so ensured, follow-up can be sent by client, trade company's end or logistics company to solve pay a validation of information and pay, by capital management server after receiving solution pair information, reduce credit extension loan amount and/or credit facility extent, and by the account of corresponding deblocking of funds 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, owing to payment request information is that the buyer is sent to capital management server by client operation, its payment information has objectively obtained client and has confirmed and authorized bank's payment.Capital management server freezes corresponding credit facility extent and credit extension loan amount and the balance of funding respectively, to generate simultaneously and generate electronics acceptance and guarantee voucher according to payment information, electronics acceptance and guarantee credential information includes but not limited to merchandise news, payment (frozen capital or credit extension loan amount or credit extension loan amount), delivery address and effect duration, and its form is not limited to text, picture, graphic code etc..This electronic certificate provides corresponding commodity/service as the voucher of the reception fund of trade company's end, trade company's end according to this electronics acceptance and guarantee voucher.
S205, electronics acceptance and guarantee voucher is issued trade company's end carry out and be synchronized to trade company's end and client for client.
The credit facility extent of the embodiment of the present invention and credit extension loan amount and the method for payment of the balance of funding, the payment request information of client is received by capital management server, credit facility extent according to the buyer and credit extension loan amount and the balance of funding sum determine whether to pay, simultaneously by freezing credit facility extent and credit extension loan amount and the balance of funding of client account respectively, and generate electronics acceptance and guarantee voucher and monitor in real time, financial risks can be reduced, 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 amount and the method for payment of the balance of funding, being applied to the payment system based on same fund server shown in Fig. 1, the method comprises the following steps:
S301, client send payment request information to capital management server, and payment request information at least includes payment；Capital management server receives the payment request information that client sends.
Wherein, payment request information is made up of multiple packets, at least includes merchant information, merchandise news and payment.Client-side information (such as Customer ID) can also be included.Wherein, merchant information can be directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company, capital management server uniquely identify according to trade company and search 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 is preferably trade company ID, the capital management server by utilizing trade company ID relation corresponding with the existence of its shroff account number and inquires about the shroff account number of trade company.It is to say, client only need to inform capital management server pays how many funds to which commodity of which trade company, capital management server just can recall the account of trade company and implement corresponding delivery operation.
The mode that client sends payment request information to capital management server can be carried out to use existing mode, such as uses the mode of digital signature or digital envelope to send.Digital signature refers to that user is encrypted the data of gained with the private key of oneself to the Hash digest of initial data.Information receiver obtains Hash digest after using the PKI of information transmitter to be decrypted the digital signature after being attached to raw information, and by compareing with the Hash digest oneself produced with the initial data received, just can be sure that whether raw information is tampered.This ensures that there the non-repudiation of data transmission.Digital envelope then uses cryptographic technique to ensure that the content of the recipient's ability reading information only specified.Digital envelope have employed single key cryptosystem and public-key cryptosystem.Information transmitter, first with the symmetric password encryption information randomly generated, the public key encryption symmetric cryptography of recycling recipient, is referred to as digital envelope by the symmetric cryptography after public key encryption.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, the information obtained by symmetric cryptography deciphering could be utilized.This ensures that there the authenticity and integrity of data transmission.
S302, credit facility extent and credit extension loan amount and the balance of funding sum of inquiring client terminal account, described credit facility extent being compared with payment with credit extension loan amount and the balance of funding sum, if being more than or equal to, then abundance being described, if being less than, then illustrate inadequate.When credit facility extent and credit extension loan amount and the balance of funding abundance, perform step S303, otherwise terminate, withhold payment；
S303, capital management server freeze credit facility extent corresponding to the payment in client account and credit facility extent respectively；It is appreciated that at this that freezing payment corresponding credit facility extent and credit extension loan amount and the balance of funding respectively includes following several situation:
1, the balance of funding in client account is only freezed so that freeze total value more than or equal to described payment.
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 so that 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 so that freeze total value more than or equal to described payment.
6, the part part credit extension loan amount in difference frozen fraction client account and part credit facility extent 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 the balance of funding 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 capital management server and receives that to solve the information of paying be only one citing, in actual application, it is also possible to by client, logistics service device or other can know 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 that capital management server will update, the transmitting state of commodity, after commodity/service has been paid, the account of the trade company that the fund freezed can be remitted money to can be immediately known from the electronics acceptance and guarantee credential information updated.
S308, the allocation of the funds corresponding to amount will be freezed in the account of trade company's end with described.It is appreciated that according to freezing method modes different in S303 step, will have the most supporting allocation of the funds scheme, by 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, the payment request information of client is received by capital management server, credit facility extent according to the buyer and credit extension loan amount and the balance of funding determine whether to pay, simultaneously by freezing credit facility extent and credit extension loan amount and the balance of funding of client account respectively, make to 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, ensure the interests of both parties.
Embodiment four
As shown in Figure 4, a kind of payment mechanism that the embodiment of the present invention provides, 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, payment request information includes 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 directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company.In a particular application, the accounts information of trade company's end should be secrecy relative to client, therefore merchant information is preferably trade company ID, that is, client only need to inform capital management server pays how many funds to which commodity of which trade company, this device the account recalling trade company implements corresponding delivery operation.
Judge module 302, is set to determine whether to pay according to client credit facility extent and credit extension loan amount and the balance of funding and payment.
As the preferred scheme of one, it is judged that module 302 is specifically configured to: the account credit facility extent of inquiring client terminal and credit extension loan amount and the balance of funding；When whether judging the credit facility extent of client account and credit extension loan amount and the balance of funding more than or equal to payment, if it is, allow to pay.So, first judge account credit facility extent and credit extension loan amount and the ability to pay of the balance of funding sum, the preferential mode using account credit facility extent to pay with credit extension loan amount and the balance of funding, can save billing cycle, ensures the interests of businessman.Wherein, the Bank Account Number of client or credit card account can be that client informs this device in payment request information, can also 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 and the balance of funding.Only when the credit facility extent of client is more than or equal to payment with credit extension loan amount and the balance of funding, just represent that client has the ability carrying out payment behavior, the most just allows to carry out payment behavior.
Processing module 303, is set to, when allowing to pay, freeze the credit facility extent in client account and credit extension loan amount and the balance of funding respectively so that freeze total value more than or equal to described payment；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 facility extent in client account and credit extension loan amount and the balance of funding respectively 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, it is set to receive after solution pays information, by solutions pair synchronizing information to trade company's end and client, and by the corresponding allocation of the funds freezed to the account of trade company's end.
It should be noted that technical characteristic in said method embodiment two and embodiment three is suitable for this device is all corresponding, the most no longer repeat.
Additionally, present invention also offers a kind of capital management server, this capital management server includes the 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 according to the buyer and credit extension loan amount and the balance of funding determine whether to pay, simultaneously by freezing credit facility extent and credit extension loan amount and the balance of funding of client account respectively, make to 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, ensure the interests of both parties.
Embodiment five
As it is shown in figure 5, a kind of based on same fund server the payment system that the preferred embodiment of the present invention provides, 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 payment request information to capital management server 30, and 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 receiver 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；
Can judge module 302, be set to compare client credit facility extent and credit extension loan amount and the balance of funding sum and payment, it is judged that output electronics acceptance and guarantee voucher；
Processing module 303, is set to, when allowing to pay, freeze the amount that the payment in client account is corresponding；Generate electronics acceptance and guarantee voucher, electronics acceptance and guarantee credential information is sent to trade company's end.
As a kind of preferred embodiment, the receiver module 301 of capital management server 30 is also configured to receive and solves the information of paying；Processing module 303 also includes module of remitting money, and is set to receive after solution pays information, by solutions pair synchronizing information to trade company's end and client, and by the corresponding allocation of the funds freezed to the account of trade company's end.
Specifically, due to payment request information be the buyer pass through client 10 operation be sent to capital management server 30, its payment information objectively obtained client 10 confirm and authorized bank pay.Capital management server 30 freezes corresponding the balance of funding and credit extension loan amount and credit facility extent respectively, to generate simultaneously and generate electronics acceptance and guarantee voucher according to payment information, electronics acceptance and guarantee credential information includes but not limited to merchandise news, payment (frozen capital or credit facility extent or credit extension loan amount), delivery address and effect duration, and its form is not limited to text, picture, graphic code etc..This electronic certificate provides corresponding commodity/service as the voucher of the reception fund of trade company's end 20, trade company's end 20 according to this electronics acceptance and guarantee voucher.
One of ordinary skill in the art will appreciate that all or part of step realizing in above-described embodiment method can be by the hardware that program controls to be correlated with and completes, described program can be in being stored in a computer 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 interest field of the present invention.Those skilled in the art, all should be within the interest field of the present invention without departing from any amendment, equivalent and the improvement made in the scope of the present invention and essence.
Claims (9)
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 and the balance of funding sum and payment, it is judged that energy
No generation electronics acceptance and guarantee voucher is paid；If can, capital management server freezes described respectively
Credit facility extent in client account and credit extension loan amount and the balance of funding so that freeze total
Volume is more than or equal to described payment, generates and is pressed agreed terms by described capital management server promise
Solve the electronics acceptance and guarantee voucher of the fund of paying, and described electronics acceptance and guarantee credential information is sent to business
Family end carries out credit acceptance and guarantee for described client.
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 and the balance of funding sum and institute
State payment, 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 and the balance of funding so that freeze total value more than or equal to described payment；Generate by fund pipe
Reason server promises to undertake the electronics acceptance and guarantee voucher paying fund by agreed terms solution, is promised to undertake by described electronics
Evidence for payment information 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
Also include before stating 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.
5. according to the method for payment based on same fund server described in claim 3 or 4, wherein,
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.
6. 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, be set to client credit facility extent described in comparison and credit extension loan amount and
The balance of funding sum and 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 and the balance of funding so that freeze total value more than or equal to described
Pay the amount of money；Generate electronics acceptance and guarantee voucher, described electronics acceptance and guarantee credential information is sent to business
Family end.
Payment mechanism the most according to claim 6, 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 and the balance of funding so that freeze total value more than or equal to described
Pay the amount of money；
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 7 and credit extension loan amount and the balance of funding
Payment mechanism, wherein, described processing module also includes unit of remitting money, described in unit of remitting money be set to
Receive solution to pay after information, by solutions pair synchronizing information to trade company's end and client, and freeze described
The allocation of the funds is to the account of described trade company end.
9. a server based on same fund server, described server includes claim 6-8
Payment mechanism described in middle any one claim.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510217847.XA CN106203974A (en) | 2015-04-30 | 2015-04-30 | Payment system based on same fund server and method, device and server |
| PCT/CN2015/080095 WO2016173056A1 (en) | 2015-04-30 | 2015-05-28 | Payment system based on shared funds-management server, and method, device and server therefor |
| CA2988441A CA2988441A1 (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 |
|---|---|---|---|
| CN201510217847.XA CN106203974A (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 |
|---|---|
| CN106203974A true CN106203974A (en) | 2016-12-07 |
Family
ID=57198906
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510217847.XA Pending CN106203974A (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) | CN106203974A (en) |
| CA (1) | CA2988441A1 (en) |
| WO (1) | WO2016173056A1 (en) |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101739624A (en) * | 2008-11-06 | 2010-06-16 | 同方股份有限公司 | Trusted payment network system |
| CN101567110A (en) * | 2009-05-26 | 2009-10-28 | 杨敏耀 | Consumer socialization zero-cash payment method and system |
| CN102194176A (en) * | 2010-03-19 | 2011-09-21 | 中国工商银行股份有限公司 | Method and system for feeding back payment result information by online bank |
| CN102930429B (en) * | 2012-11-19 | 2016-08-24 | 北京子衿晨风科技有限公司 | A kind of checking system and method |
-
2015
- 2015-04-30 CN CN201510217847.XA patent/CN106203974A/en active Pending
- 2015-05-28 CA CA2988441A patent/CA2988441A1/en active Pending
- 2015-05-28 WO PCT/CN2015/080095 patent/WO2016173056A1/en active Application Filing
Also Published As
| Publication number | Publication date |
|---|---|
| CA2988441A1 (en) | 2016-11-03 |
| WO2016173056A1 (en) | 2016-11-03 |
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