CN106203979A - Payment system based on same fund server and method of payment, device and server - Google Patents
Payment system based on same fund server and method of payment, device and server Download PDFInfo
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- CN106203979A CN106203979A CN201510218902.7A CN201510218902A CN106203979A CN 106203979 A CN106203979 A CN 106203979A CN 201510218902 A CN201510218902 A CN 201510218902A CN 106203979 A CN106203979 A CN 106203979A
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- payment
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- management server
- trade company
- server
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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 the balance of funding is compared with payment with credit facility extent sum, it is judged that electronics acceptance and guarantee voucher can be outputed；If can, capital management server freezes the balance of funding corresponding with payment and credit facility extent in client account respectively；Generate capital management server and promise to undertake the electronics acceptance and guarantee voucher paying fund by agreed terms solution, this electronics acceptance and guarantee voucher is sent to trade company's end and carries out credit acceptance and guarantee for described client.Use technical solution of the present invention, both parties are given supervision and can reduce financial risks, ensure the interests of both parties.
Description
Technical field
The present invention relates to e-commerce field, particularly relate to a kind of payment based on same fund server
System and method of payment, device and server.
Background technology
Ecommerce is applied in various commerce and trade activity the most more and more widely, so-called ecommerce
Refer in commerce and trade activity, under the network environment that the Internet is open, based on browser and service
Device application mode, it is achieved online transaction and online electronics between the shopping online of consumer, trade company prop up
Pay and various commercial activity, transaction, finance activities and the one of relevant integrated service activity
Commercial operation pattern.
At present, a lot of banks or enterprise both provide the service of network payment, it is allowed to guest operation meter
The terminal units such as calculation machine, mobile phone realize network payment, and the mode of network payment is that client provides very
Big facility.And during network payment, it mostly is the existing fund in use debit card or the credit card
Direct payment, or the third-party institution that the credit line in existing fund or the credit card directly transferred to makees
It is traded for guarantee, when not providing commodity or service to have once trade company or occur client to dispute on,
Fund security is difficult to be ensured.As can be seen here, present stage needs new payment system, method, dress
Put and server, to reduce user's financial risks, ensure the interests of both parties.
Summary of the invention
In view of this, the technical problem to be solved in the present invention is to provide a kind of based on same fund server
Payment system and method for payment, device and server, to reduce user's financial risks, guarantee is bought
Sell the interests of both sides.
It is as follows that the present invention solves the technical scheme that above-mentioned technical problem used:
A kind of payment system based on same fund server, including at least one client, at least one
Individual trade company end and capital management server, described capital management server respectively with described client, business
Family end connects, wherein:
Described client, at least includes payment for sending to described capital management server
Payment request information；
Described trade company end, for receiving the electronics acceptance and guarantee voucher that described capital management server sends；
Capital management server, for receiving the payment request information that described client sends；By client
Can the balance of funding and the credit facility extent sum of end compare with payment, it is judged that generate electricity
Sub-acceptance and guarantee voucher is paid；If can, freeze the balance of funding in described client account respectively
With credit facility extent so that freeze total value and be more than or equal to described payment, generate by described money
Gold management server promises to undertake the electronics acceptance and guarantee voucher paying fund by agreed terms solution, and by described electricity
Sub-acceptance and guarantee credential information is sent to trade company's end and 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 network prop up
The method of paying, the method comprises the following steps:
Capital management server receives the payment request information that client sends, and wherein, pays request letter
Breath at least includes payment；
Described client the balance of funding and credit facility extent are compared with described payment, sentences
Disconnected can generate electronics acceptance and guarantee voucher and paid；
If can, described the balance of funding freezed respectively in described client account and credit facility extent,
Make to freeze total value more than or equal to described payment；Generate and carry described capital management server institute
There is the electronics acceptance and guarantee voucher of name, described electronics acceptance and guarantee credential information is sent to trade company's end
Credit acceptance and guarantee is carried out for described client.
According to a further aspect of the invention, it is provided that a kind of based on same fund server payment dress
Putting, described device includes receiver module, judge module and processing module, wherein:
Receiver module, is set to receive the payment request information that client sends, wherein, described payment
Solicited message includes payment；
Judge module, is set to according to described client the balance of funding and credit facility extent and described
Pay the amount of money to determine whether to pay；
Processing module, is set to, when allowing to pay, freeze the fund in described client account respectively
Remaining sum and credit facility extent so that freeze total value more than or equal to described payment；Generate electronics
Acceptance and guarantee voucher, is sent to trade company's end by described electronics acceptance and guarantee credential information.
A kind of server based on same fund server, described server includes that above-mentioned any one is weighed
Payment mechanism described in profit requirement.
The payment system based on same fund server of present invention offer and method, device and service
Device, is supervised the information of both parties by capital management server, is merged into by monitoring function
Bank or other possess the mechanism of credit payment ability；Simultaneously by freezing the money of client account respectively
Gold remaining sum and credit facility extent, and generate electronic payment certificate and monitor in real time, fund can be reduced
Risk, ensures the interests of both parties；This scheme takes full advantage of in the credit of capital management server
The function at Shu Hefengkong center, promotes network trading with more optimal credit mechanism and ensures transaction money
Gold safety, provides fiduciary media for both parties, can reduce fund wind also by the supervision of fund
Danger, ensures the interests of both parties.Additionally, facilitate client also by increasing loan function, the richest
Fu Liao bank or other possess the business of mechanism of credit payment ability.
Accompanying drawing explanation
A kind of based on same fund server the payment system that Fig. 1 provides for the embodiment of the present invention one
Schematic diagram；
A kind of based on same fund server the method for payment that Fig. 2 provides for the embodiment of the present invention two
Flow chart；
A kind of based on same fund server the method for payment that Fig. 3 provides for the embodiment of the present invention three
Flow chart；
A kind of based on same fund server the method for payment that Fig. 4 provides for the embodiment of the present invention four
Flow chart；
A kind of based on same fund server the payment mechanism that Fig. 5 provides for the embodiment of the present invention five
Function structure chart；
A kind of based on same fund server the payment system that Fig. 6 provides for the embodiment of the present invention six
Function structure chart.
Detailed description of the invention
In order to make the technical problem to be solved, technical scheme and beneficial effect clearer,
Understand, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that
Specific embodiment described herein only in order to explain the present invention, is not intended to limit the present invention.
Embodiment one
As it is shown in figure 1, a kind of based on same fund server the payment system that the embodiment of the present invention provides
System, this system includes at least one client 10, at least one trade company's end 20 and capital management server
30, capital management server 30 is connected with client 10 and trade company's end 20 respectively, wherein:
Client 10, is connected with capital management server 30, for capital management server 30
Sending payment request information, wherein payment request information includes payment.
Specifically, client 10 is applicable to paying party (buyer), including mobile phone, PC, PAD
Deng smart machine, the accounts information of client 10 is that user fills in when registering, and is stored in capital management
In the data base of service, the accounts information of client 10 includes ID, the bank of deposit, account name
The information such as title, Bank Account Number, credit line the, it is also possible to include/address of service information of receiving of client.
Payment request information is after user selects to buy concrete commodity/service, fills in/confirms and receives/service
The information such as address, client 10 by the rule preset according to the price of commodity/service, commodity/service institute
The packet that the trade company belonged to generates, sends the packet to capital management server 30.Pay request
Information at least includes payment, it is also possible to include merchant information and merchandise news.Wherein, trade company's letter
Breath can be directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company, by
Capital management server 30 uniquely identifies according to trade company searches the Bank Account Number that trade company is corresponding from data base
Information.In a particular application, the accounts information of trade company's end 20 should be secrecy relative to client 10,
Therefore merchant information is preferably trade company ID, capital management server 30 utilizes trade company ID and its shroff account number
There is corresponding relation and inquire about the shroff account number of trade company.It is to say, money informed by 10 need of client
Gold management server 30 pays how many funds, capital management server 30 to which commodity of which trade company
Just the account that can recall trade company realizes paying.
Trade company's end 20, is connected with capital management server 30, is used for receiving capital management server
The 30 electronics acceptance and guarantee vouchers sent.
Specifically, trade company's end 20 is applicable to beneficiary (seller), trade company's end include but not limited to server,
The equipment such as POS.Trade company includes but not limited to producer, agent, logistics company etc..Trade company
Information is also in the data base that user carries out registering and being stored in capital management server when opening an account, business
Family information include but not limited to trade company ID, name of firm, the bank of deposit of trade company, merchant account title,
The information such as trade company's Bank Account Number.Trade company's end 20 receives the electronics promise that capital management server 30 sends
After exchange order, by the merchandise news extracted in electronics acceptance and guarantee credential information and information of receiving, will
Specify commodity sending destination.
Capital management server 30, for receiving the payment request information that client 10 sends；By client
Can the balance of funding and the credit facility extent of end 10 compare with payment, it is judged that output electronics
Acceptance and guarantee voucher；If allowing to pay, then freeze the fund that payment in client account is corresponding
Remaining sum and credit facility extent, generate and paid money by described capital management server promise by agreed terms solution
The electronics acceptance and guarantee voucher of gold, is sent to trade company's end 20 by electronics acceptance and guarantee credential information.
Specifically, after capital management server 30 receives the packet of payment request information, by presetting
Rule resolve, obtain relevant payment information, relevant payment information includes but not limited to that trade company believes
The necessary informations such as breath, merchandise news and payment, i.e. to which commodity of which trade company pay how many
Fund.Capital management server 30 inquire about the bank capital remaining sum of customer account and credit facility extent it
The most enough these clearing, if not enough, then terminate this and pay, if sufficient, freeze the most respectively
Knot corresponding the balance of funding of payment and credit facility extent so that freeze total value more than or equal to institute
Stating 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 and freezes the corresponding the balance of funding of payment and credit facility extent bag respectively
Include 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 facility extent is only freezed so that freeze total value more than or equal to described payment.
Three, the balance of funding in difference frozen fraction client account and credit facility extent so that freeze
Knot total value is more than or equal to described payment.
Specifically, capital management server 30 can also be according to the state of electronics acceptance and guarantee credential information
Further determine whether that operation of remitting money, i.e. request pay simply frozen capital remaining sum and credit facility extent,
Carry out again remitting money and reduce credit facility extent after confirming to sign for.
In the present embodiment, same capital management server 30, also can simultaneously with multiple clients 10 and
Multiple trade companies end 20 is all connected by the Internet.The i.e. server at trade company's end 20 account place and client
The server at 10 places is same capital management server 30.Same capital management server 30, can
Think the single server in physical significance, it is also possible to for the multiple servers in physical significance, as many
Platform physical server concurrent working, according to the difference of portfolio, the resource of automatic distribution server, is total to
With realizing capital management.Capital management server includes but not limited to the clothes in the tissue such as bank, enterprise
Business device.It can be understood as the cluster capital management server of same bank in actual application, but not
Be confined to bank, it is also possible to can support other mechanism of Capital Flow in the Internet, also or other
Possess the mechanism of credit payment ability, the third-party institution namely generally said.Taken by capital management
The information of both parties is supervised by business device, monitoring function is merged into bank or other possesses credit
The mechanism of ability to pay.
Embodiment two
As in figure 2 it is shown, a kind of based on same fund server the payer that the embodiment of the present invention provides
Method, is applied to capital management server, the method this comprise the following steps:
S201, capital management server receive the payment request information that client sends, and pay request letter
Breath at least includes payment.
Specifically, the payment request information that capital management server receives includes: merchant information, commodity
Information and payment, it is also possible to include client-side information (such as Customer ID).Wherein, merchant information can
To be directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company, by fund
Management server uniquely identifies according to trade company searches the bank account information that trade company is corresponding from data base.
In a particular application, the accounts information of trade company's end should be secrecy relative to client, therefore merchant information
It is preferably trade company ID, capital management server by utilizing trade company ID and there is corresponding relation with its shroff account number
Inquire about the shroff account number of trade company.It is to say, client only need to inform capital management server is to which
Which commodity of individual trade company pay how many funds, and the account that capital management server just can recall trade company is real
Execute corresponding delivery operation.
S202, the balance of funding and the credit facility extent sum of client are compared with payment,
Can judgement generate electronics acceptance and guarantee voucher and be paid, if it is allowed, then enter payment process,
Otherwise terminate this to pay.It is to be appreciated that in the present embodiment, the balance of funding is commonly stored in debit
In card, described credit facility extent is preferably the credit card and uses amount, or other credit financial product.
This step farther includes: the account money of capital management server inquiring client terminal from data base
Gold remaining sum and credit facility extent；Judge the balance of funding and credit facility extent sum whether more than or etc.
In payment, if it is, allow this to pay；Otherwise terminate this to pay.Wherein, client
Bank Account Number and the credit card account of end can be that client informs capital management in payment request information
Server, it is also possible to capital management server is inquired about from data base according to client id, thus
Obtain the balance of funding and the credit facility extent of corresponding account.Only more than the fund in client account
When volume and credit facility extent sum are more than or equal to payment, just represent that client has ability to pay,
The most just allow to carry out payment behavior.So, billing cycle can be saved, ensure the interests of businessman.
S203, capital management server freeze the fund that the payment in client account is corresponding respectively
Remaining sum and credit facility extent so that freeze total value more than or equal to described payment；
By frozen capital remaining sum and credit facility extent respectively in this programme so that freeze total value and be more than
Or equal to described payment；To guarantee follow-up to have enough funds to complete this transaction, but the most straight
Connect trade company's account of remitting money, so ensured the interests of both parties, follow-up can be by client, business
Family end or logistics company send a solution pair validation of information and have paid, capital management server receiving
After solving the information of paying, reduce credit facility extent, and by corresponding deblocking of funds the trade company that transfers
In the account of end.
S204, capital management server generate electronics acceptance and guarantee voucher, and are sent to trade company's end；
Specifically, it is sent to capital management owing to payment request information is the buyer by client operation take
Business device, its payment information has objectively obtained client and has confirmed and authorized bank's payment.Fund pipe
Reason server freezes corresponding the balance of funding or credit facility extent respectively, will generate according to payment simultaneously
Information generates electronics acceptance and guarantee voucher, and electronics acceptance and guarantee credential information includes but not limited to that commodity are believed
Breath, payment (frozen capital or credit facility extent or credit extension loan amount), delivery address and have
The effect phase, its form is not limited to text, picture, graphic code etc..This electronic certificate connects as trade company's end
The voucher of receipts fund, trade company's end provides corresponding commodity/service 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 client for client
Or trade company's end.
Specifically, the electronic certificate information of generation is sent to client or trade company's end by this step, in order to
Follow-up tracking.
The balance of funding of the embodiment of the present invention and the method for payment of credit facility extent, pass through capital management
Server receives the payment request information of client, according to the balance of funding and the credit facility extent of the buyer
Sum determines whether to pay, simultaneously by freezing the balance of funding and the credit of client account respectively
Facility extent, and generate electronics acceptance and guarantee voucher and monitor in real time, financial risks can be reduced, protect
The interests of barrier both parties.
Embodiment three
As it is shown on figure 3, a kind of the balance of funding of providing of the preferred embodiment of the present invention and credit facility extent
Method of payment, is applied to the payment system based on same fund server shown in Fig. 1, and the method includes
Following steps:
S301, client send payment request information to capital management server, and payment request information is extremely
Include payment less；Capital management server receives the payment request information that client sends.
Wherein, payment request information is made up of multiple packets, at least includes that merchant information, commodity are believed
Breath and payment.Client-side information (such as Customer ID) can also be included.Wherein, merchant information is permissible
It is directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company, by fund pipe
Reason server uniquely identifies according to trade company searches the bank account information that trade company is corresponding from data base.?
In concrete application, the accounts information of trade company's end should be secrecy relative to client, therefore merchant information is excellent
The relation electing trade company ID, capital management server by utilizing trade company ID as corresponding with the existence of its shroff account number is come
The shroff account number of inquiry trade company.It is to say, client only need to inform capital management server is to which
Which commodity of trade company pay how many funds, and capital management server just can recall the account of trade company to be implemented
Corresponding delivery operation.
The mode that client sends payment request information to capital management server can use existing side
Formula is carried out, and such as uses the mode of digital signature or digital envelope to send.Digital signature refers to user
With the private key of oneself, the Hash digest of initial data is encrypted the data of gained.Information receiver makes
Obtain Hash after the digital signature after being attached to raw information being decrypted with the PKI of information transmitter to pluck
Want, and by compareing with the Hash digest oneself produced with the initial data received, just can be sure that original
Whether information is tampered.This ensures that there the non-repudiation of data transmission.Digital envelope then uses
Cryptographic technique ensure that the content of the recipient's ability reading information only specified.Digital envelope uses
Single key cryptosystem and public-key cryptosystem.Information transmitter is close first with the symmetry randomly generated
Code encryption information, the public key encryption symmetric cryptography of recycling recipient, close by the symmetry after public key encryption
Code is referred to as digital envelope.When the information of transmission, when receiving party wants decryption information, it is necessary to first
Decipher digital envelope with the private key of oneself, obtain symmetric cryptography, symmetric cryptography could be utilized to decipher gained
The information arrived.This ensures that there the authenticity and integrity of data transmission.
S302, the balance of funding of inquiring client terminal account and credit facility extent sum, by described fund
Remaining sum and credit facility extent sum compare with payment, if being more than or equal to, then abundance are described, if
It is less than, then illustrates inadequate.When the balance of funding and credit facility extent abundance, perform step S303,
Otherwise terminate, withhold payment；
S303, capital management server freeze the fund that the payment in client account is corresponding respectively
Remaining sum and credit facility extent；It is appreciated that at this and freezes the corresponding the balance of funding of payment respectively
Following several situation is included with credit facility extent:
1, the balance of funding in client account is only freezed so that freeze total value more than or equal to described
Pay the amount of money.
2, credit facility extent is only freezed so that freeze total value more than or equal to described payment.
3, the balance of funding in difference frozen fraction client account and credit facility extent so that freeze
Total value is more than or equal to described payment.
S304, capital management server generate electronics acceptance and guarantee voucher；
S305, electronics acceptance and guarantee credential information is sent to trade company's end；
S306, trade company's end send to receive to capital management server and solve the information of paying；
It should be noted that in this step S306, trade company's end sends to receive to capital management server and solves
The information of paying is only one citing, in actual application, it is also possible to by client, logistics service device or
Other can be known that the entity of delivery status sends to capital management server and solve the information of paying.
Solution is paid synchronizing information to client and trade company's end by S307, capital management server.
Specifically, the electronics acceptance and guarantee credential information of renewal is synchronized to client by capital management server
End and trade company's end, can immediately know the circulation shape of commodity from the electronics acceptance and guarantee credential information updated
State, after commodity/service has been paid, the account of the trade company that the fund freezed can be remitted money to.
S308, the allocation of the funds corresponding to amount will be freezed in the account of trade company's end with described.Can manage
Solve, according to freezing method modes different in S303 step, will have the most supporting allocation of the funds scheme,
By in the corresponding allocation of the funds to the account of trade company's end..
S309, end flow process.
A kind of method of payment that the embodiment of the present invention provides, receives client by capital management server
Payment request information, determine whether to pay according to the balance of funding of the buyer and credit facility extent,
Simultaneously by freezing the balance of funding and the credit facility extent of client account respectively so that freeze total value
More than or equal to described payment, and generate electronics acceptance and guarantee voucher and be synchronized to client and trade company
End monitors in real time, can reduce financial risks, ensures the interests of both parties.
Embodiment four
As shown in Figure 4, the another kind of method of payment that the embodiment of the present invention provides, it is applied to shown in Fig. 1
Payment system based on same fund server, the method comprises the following steps:
S401, capital management server receive the payment request information that client sends.
Wherein, payment request information is made up of multiple packets, at least includes that merchant information, commodity are believed
Breath and payment.Client-side information (such as Customer ID) can also be included.Wherein, merchant information is permissible
It is directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company, by fund pipe
Reason server uniquely identifies according to trade company searches the bank account information that trade company is corresponding from data base.?
In concrete application, the accounts information of trade company's end should be secrecy relative to client, therefore merchant information is excellent
The relation electing trade company ID, capital management server by utilizing trade company ID as corresponding with the existence of its shroff account number is come
The shroff account number of inquiry trade company.It is to say, client only need to inform capital management server is to which
Which commodity of trade company pay how many funds, and capital management server just can recall the account of trade company to be implemented
Corresponding delivery operation.
The mode that client sends payment request information to capital management server can use existing side
Formula is carried out, and such as uses the mode of digital signature or digital envelope to send.Digital signature refers to user
With the private key of oneself, the Hash digest of initial data is encrypted the data of gained.Information receiver makes
Obtain Hash after the digital signature after being attached to raw information being decrypted with the PKI of information transmitter to pluck
Want, and by compareing with the Hash digest oneself produced with the initial data received, just can be sure that original
Whether information is tampered.This ensures that there the non-repudiation of data transmission.Digital envelope then uses
Cryptographic technique ensure that the content of the recipient's ability reading information only specified.Digital envelope uses
Single key cryptosystem and public-key cryptosystem.Information transmitter is close first with the symmetry randomly generated
Code encryption information, the public key encryption symmetric cryptography of recycling recipient, close by the symmetry after public key encryption
Code is referred to as digital envelope.When the information of transmission, when receiving party wants decryption information, it is necessary to first
Decipher digital envelope with the private key of oneself, obtain symmetric cryptography, symmetric cryptography could be utilized to decipher gained
The information arrived.This ensures that there the authenticity and integrity of data transmission.
S402, the balance of funding of inquiring client terminal account and credit facility extent sum, by described fund
Remaining sum and credit facility extent sum compare with payment, if being more than or equal to, then abundance are described, instead
It, then illustrate inadequate.When the balance of funding and credit facility extent abundance, perform step S403,
Otherwise, step S404 is performed；
S403, capital management server freeze the balance of funding in client account and credit overdraw respectively
Amount and credit extension loan amount so that freeze total value and be more than or equal to described payment, specifically can divide
For following several forms:
1, the balance of funding in client account is only freezed so that freeze total value more than or equal to described
Pay the amount of money.
2, credit extension loan amount is only freezed so that freeze total value more than or equal to described payment.
3, credit facility extent is only freezed so that freeze total value more than or equal to described payment.
4, the part the balance of funding in difference frozen fraction client account and part credit extension loan amount,
Make to freeze total value more than or equal to described payment.
5, the part the balance of funding in difference frozen fraction client account and part credit facility extent,
Make to freeze total value more than or equal to described payment.
6, the part part credit extension loan amount in difference frozen fraction client account is saturating with part credit
Prop up amount so that freeze total value more than or equal to described payment.
7, the credit facility extent in difference frozen fraction client account and credit extension loan amount and money
Gold remaining sum so that freeze total value more than or equal to described payment.
S404, ask whether to need to provide credit extension loan amount to client；If needing credit extension loan
Amount, then perform step S405, otherwise go to step S411；
S405, judge that described credit extension loan amount is the most sufficient；Abundance herein has been appreciated that several
Situation:
1, the original the balance of funding in client account and credit facility extent and part credit extension loan
When amount sum is more than or equal to the amount of described payment, then it is assumed that described credit extension loan amount is filled
Foot, otherwise, inadequate；
2, when credit extension loan amount is more than or equal to the amount of described payment, then it is assumed that described credit
Loan limit is sufficient, otherwise, inadequate.
Specifically, credit extension loan amount can be the amount of money that client is specified, it is also possible to be defaulted as this
Pay the amount of money of shortcoming.Such as, (gold is paid when the price of commodity of customer selecting is 1500 yuan
Volume) time, if the balance of funding in customer account and credit facility extent only have 900 yuan, then need
Credit extension loan amount 600 yuan, can be only achieved permission payment standards, carries out payment behavior.Certainly, use
Another mode, as directly credit extension loan amount 1500 yuan is provided in application, pays, and being also can
Row.
S406, capital management server freeze the balance of funding in client account and credit overdraw respectively
Amount and credit extension loan amount so that freeze total value more than or equal to after described payment, will be raw
Become electronics acceptance and guarantee voucher；
S407, electronics acceptance and guarantee credential information is sent to trade company's end；
S408, trade company's end send to receive to capital management server and solve the information of paying；
It should be noted that in this step S408, trade company's end sends to receive to capital management server and solves
The information of paying is only one citing, in actual application, it is also possible to by client, logistics service device or
Other can be known that the entity of delivery status sends to capital management server and solve the information of paying.
Solution is paid synchronizing information to client and trade company's end by S409, capital management server.
Specifically, the electronics acceptance and guarantee credential information of renewal is synchronized to client by capital management server
End and trade company's end, can immediately know the circulation shape of commodity from the electronics acceptance and guarantee credential information updated
State, after commodity/service has been paid, the account of the trade company that the fund freezed can be remitted money to.
S410, the allocation of the funds corresponding to amount will be freezed in the account of trade company's end with described.Can manage
Solve, according to freezing methods different in S403 step, will have the most supporting allocation of the funds scheme, will
The corresponding allocation of the funds is in the account of trade company's end.
S411, end flow process.
The embodiment of the present invention, on the basis of embodiment three, by increasing credit extension loan amount function,
Not only facilitate the buyer, and extreme enrichment bank or other possess the mechanism of credit payment ability
Business.
Embodiment five
As it is shown in figure 5, the embodiment of the present invention provide a kind of payment mechanism, including receiver module 301,
Judge module 302, processing module 303, wherein:
Receiver module 301, is set to receive the payment request information that client sends, and wherein, paying please
Information is asked to include payment.
Specifically, the payment request information that receiver module 301 receives includes: merchant information, merchandise news
And payment, it is also possible to include client-side information (such as Customer ID).Wherein, merchant information can be straight
Jie Shi trade company shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company.In concrete application
In, the accounts information of trade company's end should be secrecy relative to client, therefore merchant information is preferably trade company
ID, say, that client only need to inform capital management server to which commodity of which trade company props up
Pay how many funds, this device the account recalling trade company implements corresponding delivery operation.
Judge module 302, is set to according to client the balance of funding and credit facility extent and payment
Determine whether to pay.
As the preferred scheme of one, it is judged that module 302 is specifically configured to: the account money of inquiring client terminal
Gold remaining sum and credit facility extent；Judge whether are the balance of funding of client account and credit facility extent
During more than or equal to payment, if it is, allow to pay.So, first judge more than account fund
Volume and the ability to pay of credit facility extent sum, preferential employing account fund remaining sum and credit overdraft
The mode that degree pays, can save billing cycle, ensures the interests of businessman.Wherein, the silver of client
Row account or credit card account can be that client informs this device, also in payment request information
Can be that this device is inquired about according to client-side information from data base, obtain corresponding account the balance of funding
With credit facility extent.Only the balance of funding and credit facility extent in client is more than or equal to prop up
When paying the amount of money, just represent that client has the ability carrying out payment behavior, the most just allows to carry out paying bank
For.
As another kind of preferred embodiment, it is judged that module 302 is also configured to: when the fund of client account
When remaining sum and credit facility extent sum are less than payment, ask whether to need granting to award to client
Letter loan limit；If needing credit extension loan amount, then provide credit extension loan amount to client account,
Allow this to pay；Pay if it is not required, then terminate this.So, not only facilitate the buyer,
Also enrich bank or other possess the business of mechanism of credit payment ability.When using capital management
When server obtains Bank Account Number or credit card account according to customer information, a client may have multiple
Account, it is also possible to use mixed payment mode.Such as, when the price of commodity of customer selecting it is
Time 1500 yuan (payment), when its balance of funding and credit facility extent sum only have 900 yuan, then
The amount that client can be used for paying has 900 yuan, then cannot implement payment behavior；If client account
When the most still having 600 yuan of loan limits of credit extension loan amount, provide credit extension loan amount 600 yuan by application,
Then have the use amount of 1500 yuan, just can implement payment behavior.
Processing module 303, is set to, when allowing to pay, freeze respectively more than the fund in client account
Volume and credit facility extent and credit extension loan amount so that freeze total value and pay gold more than or equal to described
Volume；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 5031, voucher signal generating unit 5032 and
Lock unit 3033, wherein:
Freezing unit 3031, is set to, when allowing to pay, freeze the fund in client account respectively
Remaining sum and credit facility extent and credit extension loan amount so that freeze total value more than or equal to described payment
The amount of money；
Voucher signal generating unit 3032, is set to generate electronics acceptance and guarantee voucher；
Lock unit 3033, is set to electronics acceptance and guarantee credential information is sent to trade company's end.
Additionally, processing module 303 can also include unit of remitting money, after being set to receive solution pair information,
Solution is paid synchronizing information to client and trade company's end, and by the corresponding allocation of the funds freezed to trade company's end
In account.
It should be noted that the technical characteristic of said method embodiment two, three, four is the most right at this device
Should be suitable for, the most no longer repeat.
Additionally, present invention also offers a kind of capital management server, this capital management server includes
Payment mechanism in embodiment four, the most no longer repeats.
The payment mechanism of the embodiment of the present invention and server, by receiving the payment request information of client,
The balance of funding and credit facility extent according to the buyer determine whether to pay, simultaneously by freezing respectively
The fund of knot client account and credit facility extent so that freeze total value more than or equal to described payment
The amount of money, and generate electronics acceptance and guarantee voucher and monitor in real time, financial risks can be reduced, guarantee is bought
Sell the interests of both sides.Additionally, also by increasing credit extension loan amount function, not only facilitate the buyer,
And extreme enrichment bank or other possess the business of mechanism of credit payment ability.
Embodiment six
As shown in Figure 6, a kind of based on same fund server the payment that the preferred embodiment of the present invention provides
System, this system includes client 10, trade company's end 20 and capital management server 30, wherein:
Client 10, including paying request module 101, is set to send to capital management server 30 prop up
Paying solicited message, wherein, payment request information includes: merchant information, merchandise news and payment.
Trade company's end 20, including voucher receiver module 201 and voucher more new module 202, wherein, voucher receives
Module 201 is set to receive the electronics acceptance and guarantee voucher that capital management server 30 sends.
Capital management server 30 includes receiver module 301, judge module 302 and processing module 303,
Wherein:
Receiver module 301, is set to receive the payment request information that client sends；
Judge module 302, is set to compare client the balance of funding and credit facility extent sum and payment
The amount of money, it is judged that electronics acceptance and guarantee voucher can be outputed；
As a kind of preferred embodiment, it is judged that module 302 is set to: judge more than the fund of client account
When whether volume and credit facility extent be more than or equal to payment, if it is, allow to pay；No
Then determine whether whether the loan balance of client account is more than or equal to payment, if it is,
Then allow to pay.
Processing module 303, is set to, when allowing to pay, freeze the payment pair in client account
The amount answered；Generate electronics acceptance and guarantee voucher, electronics acceptance and guarantee credential information is sent to trade company
End.
As a kind of preferred embodiment, the receiver module 301 of capital management server 30 is also configured to receive
Solve the information of paying；Processing module 303 also includes module of remitting money, and after being set to receive solution pair information, will solve
Pay synchronizing information to client and trade company's end, and by the account of the corresponding allocation of the funds freezed to trade company's end
In.
Specifically, due to payment request information be the buyer pass through client 10 operation be sent to capital management
Server 30, its payment information has objectively obtained client 10 and has confirmed and authorized bank's payment.
Capital management server 30 freezes corresponding the balance of funding and credit facility extent respectively, will generate simultaneously
Generating electronics acceptance and guarantee voucher according to payment information, electronics acceptance and guarantee credential information includes but does not limits
In merchandise news, payment (frozen capital or credit facility extent or credit extension loan amount), delivery
Address and effect duration, its form is not limited to text, picture, graphic code etc..This electronic certificate is as business
The voucher of the reception fund of family end 20, trade company's end 20 provides corresponding according to this electronics acceptance and guarantee voucher
Commodity/service.
One of ordinary skill in the art will appreciate that all or part of step realizing in above-described embodiment method
Suddenly the hardware that the program that can be by controls to be correlated with completes, and described program can be stored in a meter
In calculation machine read/write memory medium, described storage medium, such as ROM/RAM, disk, CD etc..
Illustrate the preferred embodiments of the present invention above by reference to accompanying drawing, not thereby limit to the power of the present invention
Profit scope.Those skilled in the art without departing from any amendment made in the scope of the present invention and essence,
Equivalent and improvement, all should be within the interest field of the present invention.
Claims (10)
1. a payment system based on same fund server, including at least one client, at least
One trade company's end and capital management server, described capital management server respectively with described client,
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 the balance of funding and credit facility extent sum and a payment, it is judged that electronics can be generated and promise to undertake
Exchange order is paid；If can, capital management server freezes the money in described client account respectively
Gold remaining sum and credit facility extent so that freeze total value more than or equal to described payment, generate by
Described capital management server promises to undertake the electronics acceptance and guarantee voucher paying fund by agreed terms solution, and will
Described electronics acceptance and guarantee credential information is sent to trade company's end and carries out credit promise for described client
Pay.
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 the balance of funding and credit facility extent sum and described payment, it is judged that
Electronics acceptance and guarantee voucher can be generated paid；
If can, described the balance of funding freezed respectively in described client account and credit facility extent,
Make to freeze total value more than or equal to described payment；Generate and promised to undertake by about by capital management server
Fixed condition solution pays the electronics acceptance and guarantee voucher of fund, is sent by described electronics acceptance and guarantee credential information
Credit acceptance and guarantee is carried out for described client to trade company's end.
Method of payment based on same fund server the most according to claim 3, wherein, institute
Method of stating also includes:
When the balance of funding of described client account and credit facility extent sum are less than payment,
Ask whether to need to provide credit extension loan amount to client；If needing credit extension loan amount, then to
Client account provides full-amount credit extension loan amount, it is determined that allow to pay, if need not credit extension loan
Amount, then terminate this and pay.
5. according to the method for payment based on same fund server described in claim 3 or 4, wherein,
Also include before described method:
Client sends payment request information to capital management server, and wherein, described payment asks letter
Breath includes: customer information, merchant information and merchandise news.
6. according to the method for payment based on same fund server described in claim 3 or 4, its
In, also include after described method:
Capital management server receives solution and pays after information, described solution is paid synchronizing information to trade company's end or
Client, and by the account of the described allocation of the funds freezed to described trade company end.
7. a payment mechanism based on same fund server, described device includes receiver module, sentences
Disconnected module and processing module, wherein.
Receiver module, is set to receive the payment request information that client sends, wherein, described payment
Solicited message includes payment；
Judge module, is set to client the balance of funding described in comparison and credit facility extent sum and institute
State payment, it is judged that electronics acceptance and guarantee voucher can be outputed；
Processing module, is set to, when allowing to pay, freeze the fund in described client account respectively
Remaining sum and credit facility extent so that freeze total value more than or equal to described payment；Generate electronics
Acceptance and guarantee voucher, is sent to trade company's end by described electronics acceptance and guarantee credential information.
Payment mechanism the most according to claim 7, wherein, described processing module farther includes
Freezing unit, voucher signal generating unit and lock unit, wherein:
Freezing unit, is set to, when allowing to pay, freeze the fund in described client account respectively
Remaining sum and credit facility extent so that freeze total value more than or equal to described payment；
Voucher signal generating unit, is set to generate electronics acceptance and guarantee voucher；
Lock unit, is set to described electronics acceptance and guarantee credential information is sent to trade company's end.
The balance of funding the most according to claim 8 and the payment mechanism of credit facility extent, wherein,
Described processing module also includes unit of remitting money, described in unit of remitting money be set to receive after solution pays information,
By solution pair synchronizing information to trade company's end or client, and by the described allocation of the funds freezed to described trade company
The account of end.
10. a server based on same fund server, described server includes claim 7-8
Payment mechanism described in middle any one claim.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510218902.7A CN106203979A (en) | 2015-04-30 | 2015-04-30 | Payment system based on same fund server and method of payment, device and server |
| PCT/CN2015/080079 WO2016173045A1 (en) | 2015-04-30 | 2015-05-28 | Payment system based on shared funds-management server, and method, device and server therefor |
| CA2987295A CA2987295C (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 |
|---|---|---|---|
| CN201510218902.7A CN106203979A (en) | 2015-04-30 | 2015-04-30 | Payment system based on same fund server and method of payment, device and server |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106203979A true CN106203979A (en) | 2016-12-07 |
Family
ID=57198035
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510218902.7A Pending CN106203979A (en) | 2015-04-30 | 2015-04-30 | Payment system based on same fund server and method of payment, device and server |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106203979A (en) |
| CA (1) | CA2987295C (en) |
| WO (1) | WO2016173045A1 (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106855982A (en) * | 2016-12-16 | 2017-06-16 | 天脉聚源（北京）科技有限公司 | The recommendation method and device of advertisement |
| CN107292595A (en) * | 2017-07-04 | 2017-10-24 | 广东信基蜂巢科技有限责任公司 | A kind of multichannel actual time safety pays route system |
| CN108038684A (en) * | 2017-12-28 | 2018-05-15 | 泰康保险集团股份有限公司 | A kind of method of payment, device, medium and electronic equipment |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8150764B2 (en) * | 2008-04-04 | 2012-04-03 | Metabank | System, program product, and method to authorize draw for retailer optimization |
| CN103413241A (en) * | 2013-07-12 | 2013-11-27 | 广州银联网络支付有限公司 | Bank reception and payment system |
| CN104200356A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Data processing system and method suitable for financing payment |
-
2015
- 2015-04-30 CN CN201510218902.7A patent/CN106203979A/en active Pending
- 2015-05-28 CA CA2987295A patent/CA2987295C/en active Active
- 2015-05-28 WO PCT/CN2015/080079 patent/WO2016173045A1/en active Application Filing
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106855982A (en) * | 2016-12-16 | 2017-06-16 | 天脉聚源（北京）科技有限公司 | The recommendation method and device of advertisement |
| CN107292595A (en) * | 2017-07-04 | 2017-10-24 | 广东信基蜂巢科技有限责任公司 | A kind of multichannel actual time safety pays route system |
| CN108038684A (en) * | 2017-12-28 | 2018-05-15 | 泰康保险集团股份有限公司 | A kind of method of payment, device, medium and electronic equipment |
Also Published As
| Publication number | Publication date |
|---|---|
| CA2987295A1 (en) | 2016-11-03 |
| CA2987295C (en) | 2022-06-21 |
| WO2016173045A1 (en) | 2016-11-03 |
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Application publication date: 20161207 |