CN106203980A - A kind of method of network payment, device, capital management server and system - Google Patents
A kind of method of network payment, device, capital management server and system Download PDFInfo
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- CN106203980A CN106203980A CN201510218910.1A CN201510218910A CN106203980A CN 106203980 A CN106203980 A CN 106203980A CN 201510218910 A CN201510218910 A CN 201510218910A CN 106203980 A CN106203980 A CN 106203980A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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Abstract
The invention discloses a kind of payment system based on same capital management server and method of payment, device and capital management server, belong to e-commerce field.Wherein, the method includes: capital management server receives the payment request information that client sends；Can relatively client the balance of funding and payment judge output electronics acceptance and guarantee voucher；If can, the balance of funding that capital management server is corresponding with payment in freezing client account；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 method of network payment, device, fund
Management server and system.
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, mostly be in the existing fund in debit card or the credit card
The credit line third-party institution that transfers be traded as guarantee, the means of payment is the most single, often
Following situation often occurs: client not yet receives commodity or the service that trade company provides, its fund by
Bank or the third-party institution pay trade company；Or after trade company provides commodity or service, client is the most not
Corresponding fund can be paid.As can be seen here, present stage need a kind of network payment system, method,
Device and capital management 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, 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 payment judge that can generate electronics acceptance and guarantee voucher be paid；If can,
The amount that capital management server is corresponding with described payment in freezing described client account, generates
By described capital management server promise to undertake by agreed terms solution pay fund electronics acceptance and guarantee voucher,
And described electronics acceptance and guarantee credential information is sent to trade company's end carries out credit promise for described client
Pay；
If client account the balance of funding is less than payment, then compare client account credit saturating
Prop up amount and payment judges that can generate electronics acceptance and guarantee voucher be paid.
If client account the balance of funding is less than payment, then compares client account credit and borrow
Amount of money degree and payment judge that can generate electronics acceptance and guarantee voucher be paid.
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；
Can relatively described client the balance of funding and described payment judge generate electronics acceptance and guarantee
Voucher is paid；
If can, described capital management server freeze in described client account with described payment pair
The balance of funding answered；Generate by described capital management server promise to undertake by agreed terms solution pay fund
Electronics acceptance and guarantee voucher, is sent to trade company's end for described visitor by described electronics acceptance and guarantee credential information
Family end carries out credit acceptance and guarantee.
If client account the balance of funding is less than payment, then compare client account credit saturating
Prop up amount and payment judges that can generate electronics acceptance and guarantee voucher be paid；Further, as
When really client account credit facility extent is less than payment, then compare client account credit extension loan
Amount and payment judge that can generate electronics acceptance and guarantee voucher be paid.
If client account the balance of funding is less than payment, then compares client account credit and borrow
Amount of money degree and payment judge that can generate electronics acceptance and guarantee voucher be paid；Further, as
When really client account loan balance is less than payment, then compare client account credit facility extent
Judge that can generate electronics acceptance and guarantee voucher be paid with payment.
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 borrow according to described client the balance of funding, credit overdraw remaining sum or credit
Money remaining sum and described payment determine whether to pay；
Processing module, is set to, when allowing to pay, freeze the described payment in described client account
Fund that the amount of money is corresponding or credit facility extent or credit extension loan amount；Generate electronics acceptance and guarantee voucher,
Described electronics acceptance and guarantee credential information is sent to trade company's end.
A kind of server based on same fund server, described server includes 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 more than the account of client account
Volume or credit facility extent or credit extension loan amount, can reduce financial risks, ensures the profit of both parties
Benefit；This scheme takes full advantage of the wind control center function of the credit maincenter of capital management server, with more
The credit mechanism adding optimization promotes network trading and ensures transaction funds safety, provides for both parties
Fiduciary media, also by the supervision of fund can reduce financial risks, ensures the interests of both parties.
Additionally, facilitate client also by increasing loan function, also enrich bank or other possess credit and prop up
The business of the mechanism of the ability of paying.
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 method for payment that Fig. 5 provides for the embodiment of the present invention five
Flow chart；
A kind of based on same fund server the method for payment that Fig. 6 provides for the embodiment of the present invention six
Flow chart；
A kind of based on same fund server the payment mechanism that Fig. 7 provides for the embodiment of the present invention eight
Function structure chart；
A kind of based on same fund server the payment system that Fig. 8 provides for the embodiment of the present invention nine
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 server, the accounts information of client 10 includes ID, the bank of deposit, name on account, bank
The information such as account, credit line the, it is also possible to include/address of service information of receiving of client.Pay request
Information is after user selects to buy concrete commodity/service, fills in/confirm/letter such as address of service of receiving
Breath, client 10 by default rule according to the trade company belonging to the price of commodity/service, commodity/service
The packet generated, sends the packet to capital management server 30.Payment request information is at least
Including payment, it is also possible to include merchant information and merchandise news.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, by capital management
Server 30 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 20 should be secrecy relative to client 10, therefore trade company
Information is preferably trade company ID, and it is right that capital management server 30 utilizes trade company ID and its shroff account number to exist
The relation answered is to inquire about the shroff account number of trade company.It is to say, capital management informed by 10 need of client
Server 30 pays how many funds to which commodity of which trade company, and capital management server 30 just can
The account recalling 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 that user carries out when opening an account registering and be stored in capital management server and/or information centre's clothes
In the data base of business device, merchant information includes but not limited to that trade company ID, name of firm, trade company open an account
The information such as bank, merchant account title, trade company's Bank Account Number.
Capital management server 30, for receiving the payment request information that client 10 sends；According to visitor
The credit facility extent of family end 10, the balance of funding, credit extension loan amount and payment judge whether to permit
Permitted to pay；If allowing to pay, then the accrediting amount corresponding with payment in freezing client account
Or the balance of funding, generate and promised to undertake the electronics paying fund by agreed terms solution by described capital management server
Acceptance and guarantee voucher, 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.
Specifically, client 10 and trade company's end 20 can be by the Internet to capital management servers
30 acquisition electronics acceptance and guarantee credential informations, so that follow-up process, such as utilize these data to carry out bilateral
The correctness of the checking information in road.Capital management server 30 can also according to electronics acceptance and guarantee with
The state of card information further determines whether that operation of remitting money, i.e. request pay simply frozen capital, confirms
Operation of remitting money is carried out after signing 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, and the method comprises the following steps:
S101, capital management server 30 receive the payment request information that client sends, and pay request
Information 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.
S102, compare client the balance of funding and payment judge to generate electronics acceptance and guarantee with
Card is paid, if allowing to pay, otherwise terminating this and paying.
This step farther includes: the account money of capital management server inquiring client terminal from data base
Gold remaining sum；Judge whether the balance of funding is more than or equal to payment, if it is, allow this
Pay；Otherwise terminate this to pay.Wherein, Bank Account Number or the credit card account of client can be
Client informs capital management server in payment request information, it is also possible to capital management server
Inquire about from data base according to client id, thus obtain corresponding account the balance of funding.Only visitor
When the account fund remaining sum of family end is more than or equal to payment, just represent that client has ability to pay,
The most just allow to carry out payment behavior.Preferential employing account fund remaining sum pays, and can save payment week
Phase, ensure the interests of businessman.
S103, capital management server freeze the fund amount that the payment in client account is corresponding；
Specifically, when account fund remaining sum be enough to pay, in freezing bank account, payment is corresponding
Fund amount.This step only freeze payment with guarantee follow-up have enough funds complete this hand over
Easily, but trade company's account of and directly not remitting money, so ensure the interests of both parties, follow-up permissible
Sent a solution pair validation of information by client, trade company's end or logistics company to have paid, by capital management
Server is paid after information receiving solution, trade company's account of the fund of defrosting being remitted money to.
S104, capital management server generate electronics acceptance and guarantee voucher；
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 fund or credit line, will generate simultaneously and generate electronics according to payment information
Acceptance and guarantee voucher, electronics acceptance and guarantee credential information includes but not limited to merchandise news, payment
(frozen capital), delivery address and effect duration, its form is not limited to text, picture, graphic code etc..
This electronic certificate as the voucher of the reception fund of trade company's end, trade company's end according to this electronics acceptance and guarantee with
Card provides corresponding commodity/service.
S105, electronics acceptance and guarantee voucher is issued trade company's end carry out credit acceptance and guarantee for client.
A kind of based on same fund server the method for payment of the embodiment of the present invention, passes through capital management
Server receives the payment request information of client, judges whether to permit according to the account fund remaining sum of the buyer
Permitted to pay, simultaneously by freezing the payment of client account, and generated electronics acceptance and guarantee voucher
Synchronize, financial risks can be reduced, ensure the interests of both parties.
S106, capital management server receive and solve the information of paying.
Capital management server receives and judges to solve the information of paying and whether meets the solution of agreement and pay fund condition.
The solution that S107, information of paying such as solution meet agreement pays fund condition, and capital management server is by fund
Transfer the account of trade company's end.
Embodiment three
As it is shown on figure 3, 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, and the method comprises the following steps:
S201, capital management server 30 receive the payment request information that client sends, and pay request
Information 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.
S203, inquiring client terminal account the balance of funding the most sufficient, if not enough, perform step S204,
Otherwise perform step S207；
S204, inquiring client terminal account credit facility extent the most sufficient, if not enough, terminate this
Secondary payment, otherwise performs step S207；
Specifically, when account fund remaining sum be enough to pay, in freezing bank account, payment is corresponding
Fund amount, when account fund Sorry, your ticket has not enough value with pay, when credit facility extent be enough to pay, freeze
The credit facility extent that in knot credit card, payment is corresponding.This step only freeze payment with
Guarantee follow-up have enough funds to complete this transaction, but trade company's account of and directly not remitting money, so
Ensure that the interests of both parties, follow-up can transmission by client, trade company's end or logistics company solve
Pay validation of information to have paid, by capital management server after receiving solution pair information, by thaw
Fund is remitted money trade company's account.
Fund that S207, the payment freezed in client account are corresponding or credit facility extent；
S208, generation electronics acceptance and guarantee voucher；
S209, electronics acceptance and guarantee credential information is sent to trade company's end；
S210, 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 S210, 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.
Specifically, capital management server can obtain immediately from the electronics acceptance and guarantee credential information updated
Knowing the transmitting state of commodity, after commodity/service has been paid, can remit money business by the fund freezed
The account at family.
S211, by the account of the allocation of the funds freezed to trade company's end.
S213, end flow process.
The balance of funding of the embodiment of the present invention or the method for payment of credit overdraw remaining sum, pass through capital management
Server receives the payment request information of client, according to the balance of funding and the credit overdraw remaining sum of the buyer
Determine whether to pay, simultaneously by freezing the balance of funding or the credit overdraw remaining sum of client account,
And generate electronics acceptance and guarantee voucher and monitor in real time, financial risks can be reduced, ensure that dealing is double
The interests of side.
Embodiment four
As shown in Figure 4, 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 30 receive the payment request information that client sends, and pay request
Information 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.
S203, inquiring client terminal account the balance of funding the most sufficient, if not enough, perform step S205,
Otherwise perform step S207；
S205, inquiring client terminal account credit extension loan amount the most sufficient, if not enough, terminate this
Secondary payment, otherwise performs step S207；
Specifically, when account fund remaining sum be enough to pay, in freezing bank account, payment is corresponding
Fund amount, when account fund Sorry, your ticket has not enough value with pay, when credit extension loan amount be enough to pay, freeze
The credit extension loan amount that in knot credit card, payment is corresponding.This step only freeze payment with
Guarantee follow-up have enough funds to complete this transaction, but trade company's account of and directly not remitting money, so
Ensure that the interests of both parties, follow-up can transmission by client, trade company's end or logistics company solve
Pay validation of information to have paid, by capital management server after receiving solution pair information, by thaw
Fund or the fund with credit extension loan amount single-candidate are remitted money trade company's account.
Fund that S207, the payment freezed in client account are corresponding or credit extension loan amount；
S208, generation electronics acceptance and guarantee voucher；
S209, electronics acceptance and guarantee credential information is sent to trade company's end；
S210, 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 S210, 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.
Specifically, capital management server can obtain immediately from the electronics acceptance and guarantee credential information updated
Knowing the transmitting state of commodity, after commodity/service has been paid, can remit money business by the fund freezed
The account at family.
S211, by the account of the allocation of the funds freezed to trade company's end.
S213, end flow process.
The balance of funding of the embodiment of the present invention or the method for payment of credit extension loan remaining sum, pass through capital management
Server receives the payment request information of client, according to the balance of funding and the credit extension loan remaining sum of the buyer
Determine whether to pay, simultaneously by freezing the payment of client account, and generate electronics and hold
Promise evidence for payment also monitors in real time, can reduce financial risks, ensures the interests of both parties.
Embodiment five
As it is shown in figure 5, the payer of a kind of fund credit facility extent of preferred embodiment of the present invention offer
Method, is applied to the payment system based on same capital management server shown in Fig. 1, the method include with
Lower step:
S201, client send payment request information, payment request information bag to capital management server
Including payment, capital management server receives the payment request information that client sends.
Wherein, payment request information is made up of multiple packets, at least includes 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.
S203, inquiring client terminal account the balance of funding the most sufficient, if not enough, perform step S204,
Otherwise perform step S207；
S204, inquiring client terminal account credit facility extent the most sufficient, if not enough, perform step
Rapid S205, otherwise performs step S207；
S205, inquiring client terminal account credit extension loan amount the most sufficient, if not enough, terminate this
Secondary payment, otherwise performs step S207；
Fund that S207, the payment freezed in client account are corresponding or credit overdraw remaining sum or award
Letter loan balance；
S208, generation electronics acceptance and guarantee voucher；
S209, electronics acceptance and guarantee credential information is sent to trade company's end；
S210, 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 S210, 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.
Specifically, capital management server can obtain immediately from the electronics acceptance and guarantee credential information updated
Knowing the transmitting state of commodity, after commodity/service has been paid, can remit money business by the fund freezed
The account at family.
S211, by the account of the allocation of the funds freezed to trade company's end.
S213, end flow process.
The embodiment of the present invention, on the basis of embodiment three, by increasing the optional function of the accrediting amount,
Not only facilitate the buyer, and the extreme enrichment loan transaction of bank or other third-party institution；Will
The circulation track of commodity and the circulation track of fund are effectively combined so that the equal energy of rights and interests of both parties
It is effectively protected.
Embodiment six
As shown in Figure 6, the method for payment of a kind of credit facility extent that the preferred embodiment of the present invention provides,
Being applied to the payment system based on same capital management server shown in Fig. 1, the method includes following step
Rapid:
S201, client send payment request information, payment request information bag to capital management server
Including payment, capital management server receives the payment request information that client sends.
Wherein, payment request information is made up of multiple packets, at least includes 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.
S203, inquiring client terminal account the balance of funding the most sufficient, if not enough, perform step S204,
Otherwise perform step S207；
S204, inquiring client terminal account credit extension loan amount the most sufficient, if not enough, perform step
Rapid S204, otherwise performs step S207；
S205, inquiring client terminal account credit facility extent the most sufficient, if not enough, terminate this
Secondary payment, otherwise performs step S207；
Fund that S207, the payment freezed in client account are corresponding or credit overdraw remaining sum or award
Letter loan balance；
S208, generation electronics acceptance and guarantee voucher；
S209, electronics acceptance and guarantee credential information is sent to trade company's end；
S210, 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 S210, 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.
Specifically, capital management server can obtain immediately from the electronics acceptance and guarantee credential information updated
Knowing the transmitting state of commodity, after commodity/service has been paid, can remit money business by the fund freezed
The account at family.
S211, by the account of the allocation of the funds freezed to trade company's end.
S213, end flow process.
The embodiment of the present invention, on the basis of embodiment three, by increasing the optional function of the accrediting amount,
Not only facilitate the buyer, and the extreme enrichment loan transaction of bank or other mechanism；Additionally, will
The circulation track of commodity and the circulation track of fund are effectively combined so that the equal energy of rights and interests of both parties
It is effectively protected.
Embodiment seven
As it is shown in fig. 7, 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, credit overdraw remaining sum or credit extension loan
Remaining sum 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；Judge the balance of funding of client account whether during more than or equal to payment, if it is,
Then allow to pay；Otherwise determine whether whether the credit overdraw remaining sum of client account is more than or equal to
Payment, if it is, allow to pay；The most further judge more than account fund credit extension loan
Whether volume, more than payment, if it is, allow to pay, does not the most allow to pay.So, depend on
Secondary judgement account fund remaining sum, credit balance and the ability to pay of loan balance, preferential employing account money
The mode that gold remaining sum pays, can save billing cycle, ensures the interests of businessman.Wherein, client
Bank Account Number or credit card account can be that client informs this device in payment request information
, it is also possible to it is that this device is inquired about according to client-side information from data base, obtains corresponding account money
Gold remaining sum, credit balance and loan balance.Only the balance of funding in client is more than or equal to pay
During the amount of money, just represent that 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, one
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 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.
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 payment in client account
Corresponding amount；
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,
Account by the allocation of the funds freezed to trade company's end.
It should be noted that the technical characteristic in said method embodiment two and embodiment three is at this device
The most corresponding applicable, the most no longer repeat.
Additionally, present invention also offers a kind of capital management server, this capital management server includes
Payment mechanism in embodiment four, the most no longer repeats.
The payment mechanism of the embodiment of the present invention and capital management server, by receiving the payment of client
Solicited message, determines whether to pay according to the balance of funding, credit line and the loan limit of the buyer,
Simultaneously by freezing the payment of client account, and generate electronics acceptance and guarantee voucher and carry out in real time
Monitoring, can reduce financial risks, ensures the interests of both parties.Additionally, also by increasing loan merit
Can, not only facilitate the buyer, and extreme enrichment bank or other possess the machine of credit payment ability
The business of structure.
Embodiment eight
As shown in Figure 8, 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 determine whether to prop up according to client the balance of funding and payment
Pay；
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 is more than or equal to payment, if it is, allow to pay；Otherwise determine whether visitor
Whether the credit balance of family end account is more than or equal to payment, if it is, 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 freeze
The allocation of the funds of knot is to the account of trade company's end.
Specifically, due to payment request information be the buyer pass through client 10 operation be sent to capital management
Server 30, its payment information has objectively obtained client 10 and has confirmed and authorized bank's payment.
Capital management server 30 freezes corresponding fund or credit line, will generate according to payment information simultaneously
Generating electronics acceptance and guarantee voucher, trade company's end 20 provides corresponding business according to this electronics acceptance and guarantee voucher
Product/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 (17)
1. a payment system based on same capital management 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
End, trade company's end, 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 account fund remaining sum and payment judge that can generate electronics acceptance and guarantee voucher be paid；
If can, the fund that capital management server is corresponding with described payment in freezing described client account
Remaining sum, generate by described capital management server promise to undertake by agreed terms solution pay the E-Payment of fund with
Card, and described electronics acceptance and guarantee credential information is sent to trade company's end carries out credit for described client
Acceptance and guarantee.
Payment system based on same capital management server the most according to claim 1, wherein,
Described capital management server is: the single one physical server of bank or cluster server；Or its
He possesses single one physical server or the cluster server of the mechanism of credit payment ability.
Payment system based on same capital management server the most according to claim 1 and 2,
Wherein, if client account the balance of funding is less than payment, then client account credit is compared
Facility extent and payment judge that can generate electronics acceptance and guarantee voucher gives credit acceptance and guarantee.
Payment system based on same capital management server the most according to claim 3, wherein,
If client account credit extension loan amount is less than payment, then compares client account credit and borrow
Amount of money degree and payment judge that can generate electronics acceptance and guarantee voucher gives credit acceptance and guarantee.
Payment system based on same capital management server the most according to claim 1 and 2,
Wherein, if client account the balance of funding is less than payment, then client account credit is compared
Loan limit and payment judge that can generate electronics acceptance and guarantee voucher be paid.
Payment system based on same capital management server the most according to claim 5, wherein,
If client account credit extension loan amount is less than payment, then compare client account overdraft
Degree and payment judge that can generate electronics acceptance and guarantee voucher be paid.
7. a method of payment based on same capital management 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；
Relatively described client account the balance of funding and described payment judges that can generate electronics promises to undertake
Evidence for payment is paid；
If can, described capital management server freeze in described client account with described payment pair
The amount answered；Generate and promised to undertake the electronics promise paying fund by agreed terms solution by capital management server
Exchange order, is sent to described electronics acceptance and guarantee credential information trade company's end and carries out letter for described client
Use acceptance and guarantee.
Method of payment based on same capital management server the most according to claim 7, wherein,
If client account the balance of funding is less than payment, then compare client account credit overdraft
Degree and payment judge that can generate electronics acceptance and guarantee voucher be paid.
The method of payment of same capital management server the most according to claim 8, wherein, as
When really client account credit extension loan amount is less than payment, then compare client account credit extension loan
Amount and payment judge that can generate electronics acceptance and guarantee voucher be paid.
The method of payment of same fund server the most according to claim 7, wherein, if
Client account the balance of funding less than payment time, then compare client account credit extension loan amount and
Payment judges that can generate electronics acceptance and guarantee voucher be paid.
11. require the method for payment of same fund server described in 10 according to profit, wherein, if objective
When family end account credit extension loan amount is less than payment, then compares client account facility extent and prop up
Pay the amount of money and judge that can generate electronics acceptance and guarantee voucher be paid.
12. methods of payment based on same fund server according to claim 7, 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.
13. according to the payer based on same fund server described in claim in claim 12
Method, wherein, also includes after described method:
After capital management server receives solution pair information, by the described allocation of the funds freezed to described business
The account of family end.
14. 1 kinds of payment mechanisms based on same capital management server, described device includes receiving mould
Block, 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 account the balance of funding, credit overdraw remaining sum or awards
Letter loan balance and described payment determine whether to pay；
Processing module, is set to, when allowing to pay, freeze the described payment in described client account
Fund that the amount of money is corresponding or credit overdraw remaining sum or credit extension loan remaining sum；Generate electronics acceptance and guarantee voucher,
Described electronics acceptance and guarantee credential information is sent to trade company's end.
15. payment mechanisms according to claim 14, 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 the described payment in described client account
Amount that the amount of money is corresponding or credit overdraw remaining sum or credit extension loan remaining sum；
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.
16. payment mechanisms according to claim 15, wherein, described processing module also includes drawing
Money unit, described in unit of remitting money be set to receive after solution pays information, by the fund of described payment
Transfer the account of described trade company end.
17. 1 kinds of servers based on same fund server, described server includes claim
Payment mechanism described in 14-16 any one claim.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510218910.1A CN106203980A (en) | 2015-04-30 | 2015-04-30 | A kind of method of network payment, device, capital management server and system |
| CA2986838A CA2986838A1 (en) | 2015-04-30 | 2015-05-28 | Payment system based on shared funds-management server, and method, device and server therefor |
| PCT/CN2015/080046 WO2016173034A1 (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 |
|---|---|---|---|
| CN201510218910.1A CN106203980A (en) | 2015-04-30 | 2015-04-30 | A kind of method of network payment, device, capital management server and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106203980A true CN106203980A (en) | 2016-12-07 |
Family
ID=57198900
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510218910.1A Pending CN106203980A (en) | 2015-04-30 | 2015-04-30 | A kind of method of network payment, device, capital management server and system |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106203980A (en) |
| CA (1) | CA2986838A1 (en) |
| WO (1) | WO2016173034A1 (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2018153305A1 (en) * | 2017-02-21 | 2018-08-30 | 腾讯科技（深圳）有限公司 | Security early-warning method applied to network payment, computer device and storage medium |
| CN108596595A (en) * | 2018-06-14 | 2018-09-28 | 四川蓁途物联科技有限公司 | A kind of integrated trade company management system and method based on mobile Internet |
| CN109559106A (en) * | 2018-11-29 | 2019-04-02 | 银联商务股份有限公司 | Fund, which is drawn, pays method, apparatus and realization device |
| CN111325534A (en) * | 2020-02-18 | 2020-06-23 | 杭州复杂美科技有限公司 | Acceptance method, apparatus and storage medium |
| CN117575582A (en) * | 2024-01-16 | 2024-02-20 | 成都理工大学 | Financial payment system for commercial tenant |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8065187B2 (en) * | 2007-12-21 | 2011-11-22 | Metabank | System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card |
| CN103413241A (en) * | 2013-07-12 | 2013-11-27 | 广州银联网络支付有限公司 | Bank reception and payment system |
| CN104200356A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Data processing system and method suitable for financing payment |
-
2015
- 2015-04-30 CN CN201510218910.1A patent/CN106203980A/en active Pending
- 2015-05-28 WO PCT/CN2015/080046 patent/WO2016173034A1/en active Application Filing
- 2015-05-28 CA CA2986838A patent/CA2986838A1/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2018153305A1 (en) * | 2017-02-21 | 2018-08-30 | 腾讯科技（深圳）有限公司 | Security early-warning method applied to network payment, computer device and storage medium |
| CN108596595A (en) * | 2018-06-14 | 2018-09-28 | 四川蓁途物联科技有限公司 | A kind of integrated trade company management system and method based on mobile Internet |
| CN109559106A (en) * | 2018-11-29 | 2019-04-02 | 银联商务股份有限公司 | Fund, which is drawn, pays method, apparatus and realization device |
| CN111325534A (en) * | 2020-02-18 | 2020-06-23 | 杭州复杂美科技有限公司 | Acceptance method, apparatus and storage medium |
| CN117575582A (en) * | 2024-01-16 | 2024-02-20 | 成都理工大学 | Financial payment system for commercial tenant |
| CN117575582B (en) * | 2024-01-16 | 2024-03-22 | 成都理工大学 | Financial payment system for commercial tenant |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2016173034A1 (en) | 2016-11-03 |
| CA2986838A1 (en) | 2016-11-03 |
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