CN106203977A - Payment systems based on different fund servers and method, device and server - Google Patents
Payment systems based on different fund servers and method, device and server Download PDFInfo
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- CN106203977A CN106203977A CN201510218750.0A CN201510218750A CN106203977A CN 106203977 A CN106203977 A CN 106203977A CN 201510218750 A CN201510218750 A CN 201510218750A CN 106203977 A CN106203977 A CN 106203977A
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- 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
- G06Q20/22—Payment schemes or models
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Abstract
The invention discloses a kind of based on across the payment system of capital management server and method of payment, device and capital management server, belong to e-commerce field.Wherein, the method includes: the second capital management server receives the payment request information that first terminal sends；Can relatively first terminal account credit extension loan amount and payment judge output electronics acceptance and guarantee voucher；If can, the credit extension loan amount that the second capital management server is corresponding with payment in freezing first terminal account credit facility extent；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 the second terminal and carries out credit acceptance and guarantee for described first terminal, and be synchronized to information centre's server.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 different fund servers 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 capital management 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 different fund servers 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 different fund servers, the the second capital management server being connected with first terminal including at least one first terminal, at least one second terminal, information centre's server and the first capital management server being connected with the second terminal, described first capital management server and the second fund server connect and are connected, wherein with described information centre server respectively:
Described first terminal, for sending the payment request information at least including payment to described second capital management server；
Described second terminal, for receiving the electronics acceptance and guarantee voucher that described first capital management server sends；
Second capital management server, for receiving the payment request information that described first terminal sends；Relatively first terminal account credit extension loan amount and payment judges that can generate electronics acceptance and guarantee voucher be paid；If can, the credit extension loan amount that second capital management server is corresponding with described payment in freezing described first terminal account, generate and promised to undertake the electronic payment certificate paying fund by agreed terms solution by described second capital management server, and described electronics acceptance and guarantee credential information is sent to the second terminal carries out credit acceptance and guarantee for described first terminal, and described electronics acceptance and guarantee credential information is synchronized to described information centre server；
Described first capital management server, for storing the described electronic payment certificate information that described second capital management server sends, and according to described electronic payment certificate information, in the account of described second terminal of the described payment received being transferred to；
Information centre's server, is used for storing and supervise described electronics acceptance and guarantee credential information.
A kind of method of network payment based on different fund servers, the method comprises the following steps:
Second capital management server receives the payment request information that first terminal sends, and wherein, payment request information at least includes payment；
Relatively described first terminal account credit facility extent and described payment judges that can generate electronics acceptance and guarantee voucher be paid；
If can, the credit extension loan amount that described second capital management server is corresponding with described payment in freezing described first terminal account；Generate and promised to undertake the electronics acceptance and guarantee voucher paying fund by agreed terms solution by the second capital management server, described electronics acceptance and guarantee credential information is sent to the second terminal and carries out credit acceptance and guarantee for described first terminal, and described electronics acceptance and guarantee credential information is synchronized to information centre's server.
A kind of payment mechanism based on different fund servers, described device includes receiver module, judge module and processing module, wherein.
Receiver module, is set to receive the payment request information that first terminal sends, and wherein, described payment request information includes payment；
Judge module, is set to determine whether credit acceptance and guarantee according to described first terminal account credit extension loan amount and described payment；
Processing module, is set to, when allowing to pay, freeze the credit extension loan amount that the described payment in described first terminal account is corresponding；Generate electronics acceptance and guarantee voucher, described electronics acceptance and guarantee credential information is sent to the second terminal, and is synchronized to information centre's server.
The payment systems based on different fund servers of present invention offer and method, device and server, by the first capital management server, the second capital management server and information centre's server, the information of both parties is supervised, monitoring function is merged into bank or other possess the mechanism of credit payment ability；Simultaneously by freezing the credit extension loan amount of first terminal account, and generate electronic payment certificate and be synchronized to information centre's server and monitor in real time, financial risks can be reduced, ensure the interests of both parties；This scheme takes full advantage of the wind control center function of the first capital management server and the credit maincenter of the second capital management server and information centre's server, promote network trading with more optimal credit mechanism and ensure transaction funds safety, fiduciary media is provided for both parties, also by the supervision of fund being reduced 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
The schematic diagram of a kind of based on different fund servers the payment systems that Fig. 1 provides for the embodiment of the present invention；
The flow chart of a kind of based on different fund servers the methods of payment that Fig. 2 provides for the embodiment of the present invention；
The flow chart of a kind of based on different fund servers the methods of payment that Fig. 3 provides for the embodiment of the present invention；
The flow chart of a kind of based on different fund servers the methods of payment that Fig. 4 provides for the embodiment of the present invention；
The flow chart of a kind of based on different fund servers the methods of payment that Fig. 5 provides for the embodiment of the present invention；
The flow chart of a kind of based on different fund servers the methods of payment that Fig. 6 provides for the embodiment of the present invention；
The function structure chart of a kind of based on different fund servers the payment mechanisms that Fig. 7 provides for the embodiment of the present invention；
The function structure chart of a kind of based on different fund servers the payment systems that Fig. 8 provides for the preferred embodiment of the present invention.
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 different fund servers the payment systems that the embodiment of the present invention provides, this system includes at least one first terminal 10, at least one second terminal 20, the first capital management server the 30, second capital management server 40 and the information centre's server 50 being connected, first capital management server 30 and the second terminal 20 connect, for the account of the second terminal 20 is operated, second capital management server 40 is connected with first terminal 10, for the account of first terminal 10 being operated, wherein:
First terminal 10, for sending payment request information to the second capital management server 40, wherein payment request information includes payment.
Specifically, first terminal 10 is applicable to paying party, the terminal that such as client uses, the smart machine such as including mobile phone, PC, PAD, the accounts information of first terminal 10 is filled in when being client enrollment, and be stored in the data base of the second capital management service 40 and/or information centre's server 50, the accounts information of first terminal 10 includes the information such as Customer ID, the bank of deposit, name on account, Bank Account Number, credit balance, it is also possible to include the ship-to information of client.Payment request information is after client buys concrete commodity/service, the information such as the price (payment) filling in/confirm, ship-to, the packet that first terminal 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 the second capital management server 40.
Second capital management server 40, for receiving the payment request information that first terminal 10 sends, judge whether account has ability to pay according to payment and first terminal account credit facility extent, first terminal account fund remaining sum and first terminal account credit extension loan amount；If a determination be made that have ability to pay, amount corresponding with payment in then freezing first terminal account credit facility extent, and generate electronic payment certificate according to payment request information and freezing information, then electronic payment certificate is sent to the second terminal, and is synchronized to the first capital management server and information centre's server.
Second terminal 20, for receiving the electronic payment certificate information that the second capital management server 40 sends.
Specifically, the second terminal 20 is applicable to beneficiary (trade company), and the second terminal 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 client carries out registering and being stored in the first capital management server 30 and/or information centre's server 50 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.
First capital management server 30, for receiving and store the electronic payment certificate information that the second capital management server 40 sends, is additionally operable to according to electronic payment certificate information, in the account of the second terminal of the payment received being transferred to.
Information centre's server 50, for receiving and store the electronic payment certificate information that the second capital management server 40 sends.
Wherein, electronic payment certificate information is the key message in payment behavior, is backed up this by information centre's server 50, is conducive to carrying out whether there is exception in follow-up tracking and validation of payment behavior according to electronic payment certificate information at any time.
In the present embodiment, multiple first terminals 10 connect the second capital management server 40 by the Internet, multiple second terminals 20 all connect the first capital management server 30 by the Internet, and the server at the i.e. second terminal 20 account place and the server at first terminal 10 place are capital management server.Capital management server, 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.It can be understood as the cluster capital management server of same bank in actual application, but it is not limited to bank, it is also possible to the Internet is supported other mechanism of Capital Flow.Supervised by the information of first capital management server the 30, second capital management server 40, monitoring function is merged into bank or other third-party institution.
Embodiment two
As in figure 2 it is shown, a kind of based on different fund servers the methods of payment that the embodiment of the present invention provides, be applied to capital management server, the method this comprise the following steps:
S201, first terminal send payment request information to the second capital management server, and payment request information includes payment.
Specifically, the payment request information that the second capital management server receives includes: merchant information, merchandise news and payment, it is also possible to include first terminal 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, the second 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 the second terminal should be secrecy relative to first terminal, therefore merchant information is preferably trade company ID, the second 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, first terminal only need to inform the second capital management server pays how many funds to which commodity of which trade company, the second capital management server just can recall the account of trade company and implement corresponding delivery operation.
S202, the second capital management server receive first terminal and send payment request information；
S203, compare first terminal account credit extension loan amount and payment and judge that can generate electronics acceptance and guarantee voucher be paid, if allowing to pay, then enter S209, otherwise, terminate this and pay, terminate flow process.
S209, the second capital management server freeze the first terminal account credit extension loan amount that the payment in first terminal account is corresponding；
This step frozen loan amount with guarantee follow-up have enough accrediting amounts 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 first terminal, the second terminal or logistics company to solve pay a validation of information and pay, by the second capital management server after receiving solution pair information, the first capital management server that the fund with the single-candidate that disburses funds is remitted money to.
S210, the second capital management server generate electronics acceptance and guarantee voucher according to payment request information and freezing information, and are sent to the second terminal；
Specifically, due to payment request information be the buyer pass through first terminal operation be sent to capital management server, its payment information objectively obtained client confirm and authorized bank pay.Second capital management server freezes corresponding credit extension loan amount, will generate simultaneously and generate electronics acceptance and guarantee voucher according to payment information, and the second terminal provides corresponding commodity/service according to this electronics acceptance and guarantee voucher.
Electronic payment certificate is sent to the second terminal by S211, the second fund server, and is synchronized to information centre's server and the first capital management server.Specifically, the electronic certificate information of generation is sent to information centre's server by this step, in order to information centre's server carries out follow-up tracking.
S212, the second capital management server receive and solve the information of paying；
S213, the second capital management server turn money to the first capital management server；
The payment received is remitted money the account of the second terminal by S214, the first capital management server.
The method of payment that the embodiment of the present invention provides, the payment request information of first terminal is received by the second capital management server, determine whether to pay according to first terminal account credit extension loan amount and payment, simultaneously by freezing the credit extension loan amount of first terminal account, and generate electronics acceptance and guarantee voucher and be synchronized to information centre's server 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 based on different fund servers the methods of payment that the embodiment of the present invention provides, be applied to capital management server, the method this comprise the following steps:
S201, first terminal send payment request information to the second capital management server, and payment request information includes payment.
S202, the second capital management server receive first terminal and send payment request information；
Specifically, the payment request information that the second capital management server receives includes: merchant information, merchandise news and payment, it is also possible to include first terminal 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, the second 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 the second terminal should be secrecy relative to first terminal, therefore merchant information is preferably trade company ID, the second 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, first terminal only need to inform the second capital management server pays how many funds to which commodity of which trade company, the second capital management server just can recall the account of trade company and implement corresponding delivery operation.
S203, compare first terminal account credit extension loan amount and payment and judge that can generate electronics acceptance and guarantee voucher gives credit acceptance and guarantee, if allowing to pay, entering S209, otherwise entering S204.
S204, compare first terminal account fund remaining sum and payment and judge that can generate electronics acceptance and guarantee voucher gives credit acceptance and guarantee, if allowing to pay, entering S209, otherwise terminating flow process.
Wherein, the Bank Account Number of first terminal can be that first terminal informs the second capital management server in payment request information, it is also possible to the second capital management server is inquired about from data base according to first terminal ID and obtained.
S209, the second capital management server freeze remaining sum or the credit extension loan amount that in first terminal account, payment is corresponding；
This step only freeze payment or credit extension loan amount 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 first terminal, the second terminal or logistics company to solve pay a validation of information and pay, being paid after information receiving solution by capital management server, the fund by the fund of defrosting or with payment single-candidate is remitted money trade company's account.
S210, the second capital management server generate electronics acceptance and guarantee voucher according to payment request information and freezing information；
Specifically, due to payment request information be the buyer pass through first terminal operation be sent to the second capital management server, its payment information objectively obtained client confirm and authorized bank pay.Second capital management server freezes corresponding fund or credit extension loan amount, will generate simultaneously and generate electronics acceptance and guarantee voucher according to payment information, and the second terminal provides corresponding commodity/service according to this electronics acceptance and guarantee voucher.
S211, electronic payment certificate is sent to the second terminal, and is synchronized to information centre's server and the first capital management server.
Specifically, the electronic certificate information of generation is sent to information centre's server by this step, in order to information centre's server carries out follow-up tracking.
S212, the second capital management server receive and solve the information of paying；
S213, the second capital management server turn money to the first capital management server；
The payment received is remitted money the account of the second terminal by S214, the first capital management server.
The method of payment that the embodiment of the present invention provides, the payment request information of first terminal is received by capital management server, first terminal account credit extension loan amount or the balance of funding according to the buyer determine whether to pay, and generate electronics acceptance and guarantee voucher and be synchronized to information centre's server 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 based on different fund servers the methods of payment that the embodiment of the present invention provides, be applied to capital management server, the method this comprise the following steps:
S201, first terminal send payment request information to the second capital management server, and payment request information includes payment.
S202, the second capital management server receive first terminal and send payment request information
Specifically, the payment request information that capital management server receives includes: merchant information, merchandise news and payment, it is also possible to include first terminal 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 the second terminal should be secrecy relative to first terminal, 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, first terminal 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.
S203, the second capital management server compare first terminal account credit extension loan amount and payment judges that can generate electronics acceptance and guarantee voucher gives credit acceptance and guarantee, if allowing to pay, then enter S209, otherwise enter step S204.
Wherein, the Bank Account Number of first terminal can be that first terminal informs capital management server in payment request information, it is also possible to capital management server is inquired about from data base according to first terminal ID.
S204, the second capital management server compare account credit facility extent and payment judges that can generate electronics acceptance and guarantee voucher gives credit acceptance and guarantee, if allowing to pay, then enter S209, otherwise terminate flow process.
S209, the second capital management server freeze the credit facility extent in first terminal account or credit extension loan amount；
This step only freeze the accrediting amount 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 first terminal, the second terminal or logistics company to solve pay a validation of information and pay, by capital management server after receiving solution pair information, trade company's account that payment single-candidate fund is remitted money to.
S210, the second capital management server generate electronics acceptance and guarantee voucher according to payment request information and freezing information；
Specifically, due to payment request information be the buyer pass through first terminal operation be sent to the second capital management server, its payment information objectively obtained client confirm and authorized bank pay.Second capital management server freezes the corresponding accrediting amount or the balance of funding, will generate simultaneously and generate electronics acceptance and guarantee voucher according to payment information, and the second terminal provides corresponding commodity/service according to this electronics acceptance and guarantee voucher.
S211, electronic payment certificate is sent to the second terminal, and is synchronized to information centre's server and the first capital management server.Specifically, the electronic certificate information of generation is sent to information centre's server by this step, in order to information centre's server carries out follow-up tracking.
S212, the second capital management server receive and solve the information of paying；
S213, the second capital management server turn money to the first capital management server；
The payment received is remitted money the account of the second terminal by S214, the first capital management server.
The method of payment that the embodiment of the present invention provides, the payment request information of first terminal is received by the second capital management server, first terminal account credit facility extent and first terminal account credit extension loan amount according to the buyer determine whether to pay, simultaneously by freezing the payment of first terminal account, and generate electronics acceptance and guarantee voucher and be synchronized to information centre's server 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 different fund servers the methods of payment that the embodiment of the present invention provides, be applied to capital management server, the method this comprise the following steps:
S201, first terminal send payment request information to the second capital management server, and payment request information includes payment.
Specifically, the payment request information that the second capital management server receives includes: merchant information, merchandise news and payment, it is also possible to include first terminal 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 the second terminal should be secrecy relative to first terminal, therefore merchant information is preferably trade company ID, the second 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, first terminal only need to inform the second capital management server pays how many funds to which commodity of which trade company, the second capital management server just can recall the account of trade company and implement corresponding delivery operation.
S202, the second capital management server receive first terminal and send payment request information；
S203, compare first terminal account credit extension loan amount and payment and judge that can generate electronics acceptance and guarantee voucher be paid, if allowing to pay, then enter S209, otherwise enter step S204.
S204, compare account fund remaining sum and payment and judge that can generate electronics acceptance and guarantee voucher be paid, if allowing to pay, then enter S209, otherwise enter step S205.
S205, compare account credit facility extent and payment and judge that can generate electronics acceptance and guarantee voucher be paid, if allowing to pay, then enter S209, otherwise terminate flow process.
S209, the second capital management server freeze remaining sum or the accrediting amount that in first terminal account, payment is corresponding；
This step only freeze payment or the accrediting amount 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 first terminal, the second terminal or logistics company to solve pay a validation of information and pay, by capital management server after receiving solution pair information, trade company's account that the fund of defrosting is remitted money to.
S210, the second capital management server generate electronics acceptance and guarantee voucher according to payment request information and freezing information；
Specifically, due to payment request information be the buyer pass through first terminal operation be sent to the second capital management server, its payment information objectively obtained client confirm and authorized bank pay.Second capital management server freezes corresponding fund or the accrediting amount, will generate simultaneously and generate electronics acceptance and guarantee voucher according to payment information, and the second terminal provides corresponding commodity/service according to this electronics acceptance and guarantee voucher.
S211, electronic payment certificate is sent to the second terminal, and is synchronized to information centre's server and the first capital management server.Specifically, the electronic certificate information of generation is sent to information centre's server by this step, in order to information centre's server carries out follow-up tracking.
S212, the second capital management server receive and solve the information of paying；
S213, the second capital management server turn money to the first capital management server；
The payment received is remitted money the account of the second terminal by S214, the first capital management server.
The method of payment that the embodiment of the present invention provides, the payment request information of first terminal is received by capital management server, first terminal account credit facility extent, first terminal account fund amount and first terminal account credit extension loan amount according to the buyer determines whether to pay, simultaneously by freezing the payment of first terminal account, and generate electronics acceptance and guarantee voucher and be synchronized to information centre's server and monitor in real time, financial risks can be reduced, ensure the interests of both parties.
Embodiment six
As shown in Figure 6, a kind of based on different fund servers the methods of payment that the embodiment of the present invention provides, be applied to capital management server, the method this comprise the following steps:
S201, first terminal send payment request information to the second capital management server, and payment request information includes payment.
S202, the second capital management server receive first terminal and send payment request information；
Specifically, the payment request information that the second capital management server receives includes: merchant information, merchandise news and payment, it is also possible to include first terminal 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, the second 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 the second terminal should be secrecy relative to first terminal, therefore merchant information is preferably trade company ID, the second 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, first terminal only need to inform the second capital management server pays how many funds to which commodity of which trade company, the second capital management server just can recall the account of trade company and implement corresponding delivery operation.
S203, compare first terminal account credit extension loan amount and payment and judge that can generate electronics acceptance and guarantee voucher be paid, if allowing to pay, then enter S209, otherwise enter step S204.
S204, compare account credit facility extent and payment and judge that can generate electronics acceptance and guarantee voucher be paid, if allowing to pay, then enter S209, otherwise enter step S205.
S205, compare account fund remaining sum and payment and judge that can generate electronics acceptance and guarantee voucher be paid, if allowing to pay, then enter S209, otherwise terminate flow process.
S209, the second capital management server freeze remaining sum or the accrediting amount that in first terminal account, payment is corresponding；
This step only freeze payment or the accrediting amount 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 first terminal, the second terminal or logistics company to solve pay a validation of information and pay, being paid after information receiving solution by capital management server, the fund by the fund of defrosting or with the single-candidate that disburses funds is remitted money trade company's account.
S210, the second capital management server generate electronics acceptance and guarantee voucher according to payment request information and freezing information；
Specifically, due to payment request information be the buyer pass through first terminal operation be sent to the second capital management server, its payment information objectively obtained client confirm and authorized bank pay.Second capital management server freezes corresponding fund or credit line, will generate simultaneously and generate electronics acceptance and guarantee voucher according to payment information, and the second terminal provides corresponding commodity/service according to this electronics acceptance and guarantee voucher.
S211, electronic payment certificate is sent to the second terminal, and is synchronized to information centre's server and the first capital management server.Specifically, the electronic certificate information of generation is sent to information centre's server by this step, in order to information centre's server carries out follow-up tracking.
S212, the second capital management server receive and solve the information of paying；
S213, the second capital management server turn money to the first capital management server；
The payment received is remitted money the account of the second terminal by S214, the first capital management server.
The method of payment that the embodiment of the present invention provides, the payment request information of first terminal is received by capital management server, first terminal account credit facility extent, credit extension loan amount, the balance of funding and payment according to the buyer determines whether to pay, simultaneously by freezing the balance of funding or the accrediting amount of first terminal account, and generate electronics acceptance and guarantee voucher and be synchronized to information centre's server and monitor in real time, financial risks can be reduced, ensure the interests of both parties.
Embodiment seven
As it is shown in fig. 7, 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 first terminal 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 first terminal 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 the second terminal should be secrecy relative to first terminal, therefore merchant information is preferably trade company ID, that is, first terminal 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 first terminal account fund remaining sum or credit facility extent or credit extension loan amount and payment.
As the preferred scheme of one, it is judged that module 302 is specifically configured to: judge when whether the credit extension loan amount of first terminal account is more than or equal to payment, if it is, allow to pay；Otherwise determine whether whether the balance of funding of account is more than or equal to payment, if it is, allow to pay；The most further judge that the credit facility extent of account, whether more than payment, if it is, allow to pay, does not the most allow to pay.So, judge the ability to pay of first terminal account successively, billing cycle can be saved, ensure the interests of businessman.Wherein, the Bank Account Number of first terminal can be that first terminal informs this device in payment request information, it is also possible to is that this device is inquired about from data base according to first terminal information, obtains the balance of funding or the accrediting amount of corresponding first terminal.Only when the balance of funding of first terminal account or the accrediting amount are more than or equal to payment, just expression client has the ability carrying out payment behavior, the most just allows to carry out payment behavior.When using capital management server to obtain Bank Account Number or credit card account according to customer information, a client may have multiple account, it is also possible to uses mixed payment mode.
Processing module 303, is set to, when allowing to pay, freeze the accrediting amount that the payment in first terminal account is corresponding；Generate electronics acceptance and guarantee voucher, electronics acceptance and guarantee credential information is sent to the second terminal, and is synchronized to information centre's server.
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 amount that the payment in first terminal account is corresponding；
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 the second terminal, and is synchronized to information centre's server.
Additionally, processing module 303 can also include unit of remitting money, after being set to receive solution pair information, by solution pair synchronizing information to information centre's server, and by the allocation of the funds the first capital management server with payment single-candidate.
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 capital management server, by receiving the payment request information of first terminal, first terminal account credit facility extent according to the buyer determines whether to pay, simultaneously by freezing the balance of funding or the accrediting amount of first terminal account, and generate electronics acceptance and guarantee voucher and be synchronized to information centre's server and monitor in real time, financial risks can be reduced, ensure the interests of both parties.Additionally, also by increasing loan function, not only facilitate the buyer, and extreme enrichment bank or other possess the business of mechanism of credit payment ability.
Embodiment eight
As shown in Figure 8, a kind of based on different fund servers the payment systems that the preferred embodiment of the present invention provides, this system includes first terminal the 10, second terminal 20 and capital management server 30, wherein:
First terminal 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.
Second terminal 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 first terminal sends；
Judge module 302, is set to determine whether credit acceptance and guarantee according to first terminal account credit extension loan amount and payment；
As a kind of preferred embodiment, it is judged that module 302 is set to: judge when whether the credit extension loan amount of first terminal account is more than or equal to payment, if it is, allow to pay；Otherwise determine whether that whether first terminal account credit facility extent is more than or equal to payment, if it is, allow to pay, otherwise determine whether that whether first terminal account fund remaining sum is more than or equal to payment, if it is, allow credit acceptance and guarantee.
Processing module 303, is set to, when allowing credit acceptance and guarantee, freeze the accrediting amount corresponding with payment in first terminal account or principal amount；Generate electronics acceptance and guarantee voucher, electronics acceptance and guarantee credential information is sent to the second terminal, and is synchronized to information centre's server.
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, after being set to receive solution pair information, by solution pair synchronizing information to information centre's server, and by the account with the payment single-candidate allocation of the funds to the second terminal.
Specifically, due to payment request information be the buyer pass through first terminal 10 operation be sent to capital management server 30, its payment information objectively obtained first terminal 10 confirm and authorized bank pay.Capital management server 30 freezes corresponding fund or credit line, will generate electronics acceptance and guarantee voucher according to payment information simultaneously, and the second terminal 20 provides corresponding commodity/service 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 (13)
1. payment systems based on different fund servers, including at least one first terminal, extremely
The second capital management service that few second terminal, information centre's server are connected with first terminal
Device and the first capital management server being connected with the second terminal, described first capital management server and
Second fund server connects and is connected, wherein with described information centre server respectively:
Described first terminal, at least includes payment for sending to described second capital management server
The payment request information of the amount of money；
Described second terminal, the electronics sent for receiving described second capital management server is promised to undertake and is propped up
Exchange order；
Second capital management server, for receiving the payment request information that described first terminal sends；
Relatively first terminal account credit extension loan amount and payment judge to generate electronics acceptance and guarantee with
Card is paid；If can, it is interior with described that the second capital management server freezes described first terminal account
The credit extension loan amount that payment is corresponding, generates and is promised to undertake by about by described second capital management server
Fixed condition solution pays the electronic payment certificate electronics acceptance and guarantee voucher of fund, and by described electronics promise
Exchange order's information is sent to the second terminal and carries out credit acceptance and guarantee for described first terminal, and by described
Electronics acceptance and guarantee credential information is synchronized to described information centre server；
Described first capital management server, for storing what described second capital management server sent
Described electronic payment certificate information, and according to described electronic payment certificate information, described in receiving
Payment transfer described second terminal account in；
Information centre's server, is used for storing and supervise described electronics acceptance and guarantee credential information.
Payment system based on different fund servers 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. method of network payment based on different fund servers, the method comprises the following steps:
Second capital management server receives the payment request information that first terminal sends, and wherein, pays
Solicited message at least includes payment；
Can relatively described first terminal account credit extension loan amount and described payment judge generate electricity
Sub-acceptance and guarantee voucher gives credit acceptance and guarantee；
If can, described second capital management server freeze in described first terminal account with described payment
The credit extension loan amount that the amount of money is corresponding；Generate and pressed agreed terms solution by the second capital management server promise
The electronics acceptance and guarantee voucher of the fund of paying, is sent to second eventually by described electronics acceptance and guarantee credential information
End carries out credit acceptance and guarantee for described first terminal, and described electronics acceptance and guarantee credential information is same
Step is to information centre's server.
Method of payment based on different fund servers the most according to claim 3, wherein, institute
Also include before stating method:
First terminal sends payment request information, wherein, described payment to the second capital management server
Solicited message includes: customer information, merchant information and merchandise news.
5. according to the payer based on different fund servers described in claim in claim 4
Method, wherein, also includes after described method:
After second capital management server receives solution pair information, pay synchronizing information to information by described solution
Central server, and by the allocation of the funds of described payment single-candidate to described first capital management service
Device, and reduce the credit extension loan amount of first terminal account and described payment single-candidate.
Method of network payment based on different fund servers the most according to claim 4, wherein,
If first terminal account credit extension loan amount is less than described payment, then compare first terminal account
The balance of funding and described payment judge that can generate electronics acceptance and guarantee voucher gives credit promise
Pay.
Method of network payment based on different fund servers the most according to claim 4, wherein,
If first terminal account credit extension loan amount is less than described payment, then compare first terminal account
Can credit facility extent and described payment judge to generate electronics acceptance and guarantee voucher and give credit and hold
Promise pays.
Method of network payment based on different fund servers the most according to claim 4, wherein,
If first terminal account credit extension loan amount is less than described payment, then compare first terminal account
The balance of funding and described payment judge that can generate electronics acceptance and guarantee voucher gives credit promise
Pay；If can not, then compare first terminal account credit facility extent and can the judgement of described payment
Generate electronics acceptance and guarantee voucher and give credit acceptance and guarantee.
Method of network payment based on different fund servers the most according to claim 4, wherein,
If first terminal account credit extension loan amount is less than described payment, then compare first terminal account
Can credit facility extent and described payment judge to generate electronics acceptance and guarantee voucher and give credit and hold
Promise pays, if can not, then compare first terminal account fund remaining sum and can the judgement of described payment
Generate electronics acceptance and guarantee voucher and give credit acceptance and guarantee.
10. payment mechanisms based on different fund servers, described device include receiver module,
Judge module and processing module, wherein.
Receiver module, is set to receive the payment request information that first terminal sends, wherein, described
Pay solicited message and include payment；
Judge module, is set to according to described first terminal account credit extension loan amount and described payment gold
Volume determines whether to pay；
Processing module, is set to, when allowing to pay, freeze described in described first terminal account
Pay the amount that the amount of money is corresponding；Generate electronics acceptance and guarantee voucher, described electronics acceptance and guarantee voucher is believed
Breath is sent to the second terminal, and is synchronized to information centre's server.
11. payment mechanisms according to claim 6, wherein, described processing module is wrapped further
Include freezing unit, voucher signal generating unit and lock unit, wherein:
Freezing unit, is set to, when allowing to pay, freeze described in described first terminal account
Pay amount corresponding to the amount of money and 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 the second terminal, and
It is synchronized to information centre's server.
12. payment mechanisms according to claim 7, wherein, described processing module also includes drawing
Money unit, described in unit of remitting money be set to receive after solution pays information, by solutions pair synchronizing information to information
Central server, and take described to described first capital management with the allocation of the funds of payment single-candidate
Business device, and reduce the credit extension loan amount of first terminal account and described payment single-candidate.
13. 1 kinds of servers based on different fund servers, described server includes claim
Payment mechanism described in 10-12 any one claim.
Priority Applications (7)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510218750.0A CN106203977A (en) | 2015-04-30 | 2015-04-30 | Payment systems based on different fund servers and method, device and server |
| CA2987700A CA2987700A1 (en) | 2015-04-30 | 2015-05-28 | Cross-funds management server-based payment system, method, device and server |
| CA3082126A CA3082126A1 (en) | 2015-04-30 | 2015-05-28 | Cross-funds management server-based payment system, method, device and server |
| PCT/CN2015/080074 WO2016173042A1 (en) | 2015-04-30 | 2015-05-28 | Cross-funds management server-based payment system, method, device and server |
| CA3190188A CA3190188A1 (en) | 2015-04-30 | 2015-05-28 | Cross-funds management server-based payment system, method, device and server |
| CA3082140A CA3082140A1 (en) | 2015-04-30 | 2015-05-28 | Cross-funds management server-based payment system, method, device and server |
| CA3082102A CA3082102A1 (en) | 2015-04-30 | 2015-05-28 | Cross-funds management server-based payment system, method, device and server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510218750.0A CN106203977A (en) | 2015-04-30 | 2015-04-30 | Payment systems based on different fund servers and method, device and server |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106203977A true CN106203977A (en) | 2016-12-07 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510218750.0A Pending CN106203977A (en) | 2015-04-30 | 2015-04-30 | Payment systems based on different fund servers and method, device and server |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106203977A (en) |
| CA (5) | CA3082126A1 (en) |
| WO (1) | WO2016173042A1 (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109377344A (en) * | 2018-09-10 | 2019-02-22 | 阿里巴巴集团控股有限公司 | Loan risk control method, device and electronic equipment |
| CN109840762A (en) * | 2019-02-26 | 2019-06-04 | 苏州盛迪通电子科技有限公司 | A kind of POS machine method of commerce |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101149826A (en) * | 2006-09-21 | 2008-03-26 | 邓斌涛 | Electronic payment signal transmission treatment method |
| CN101000675A (en) * | 2006-12-30 | 2007-07-18 | 上海实诺信息技术有限公司 | Electronic transaction method and transaction platform system |
| CN103827902A (en) * | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | Method and system for Intenet payment |
| 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 CN201510218750.0A patent/CN106203977A/en active Pending
- 2015-05-28 CA CA3082126A patent/CA3082126A1/en active Pending
- 2015-05-28 CA CA3082140A patent/CA3082140A1/en active Pending
- 2015-05-28 CA CA3190188A patent/CA3190188A1/en active Pending
- 2015-05-28 CA CA2987700A patent/CA2987700A1/en active Pending
- 2015-05-28 WO PCT/CN2015/080074 patent/WO2016173042A1/en active Application Filing
- 2015-05-28 CA CA3082102A patent/CA3082102A1/en active Pending
Also Published As
| Publication number | Publication date |
|---|---|
| CA3082102A1 (en) | 2016-11-03 |
| CA3082140A1 (en) | 2016-11-03 |
| CA3082126A1 (en) | 2016-11-03 |
| CA3190188A1 (en) | 2016-11-03 |
| WO2016173042A1 (en) | 2016-11-03 |
| CA2987700A1 (en) | 2016-11-03 |
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