CN106204015A - Based on across the payment system of fund server and method, device and server - Google Patents
Based on across the payment system of fund server and method, device and server Download PDFInfo
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- CN106204015A CN106204015A CN201510218898.4A CN201510218898A CN106204015A CN 106204015 A CN106204015 A CN 106204015A CN 201510218898 A CN201510218898 A CN 201510218898A CN 106204015 A CN106204015 A CN 106204015A
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- payment
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- management server
- capital management
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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
- G06Q20/22—Payment schemes or models
Abstract
The invention discloses a kind of based on across the payment system of capital management server and method of payment, device and server, belong to e-commerce field.Wherein, the method includes: the second capital management server receives the payment request information that client sends；The balance of funding of client is compared with payment with credit extension loan amount sum, it is judged that electronics acceptance and guarantee voucher can be outputed；If can, the second capital management server freezes the balance of funding corresponding with payment and credit extension loan amount in client account respectively；Generate the second 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 based on the payment system across 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 across fund server
Payment system and method for payment, device and server, to reduce user's financial risks, ensure dealing
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 based on the payment system across fund server, including at least one client, at least one
Trade company's end and the second capital management server being connected with client and the first money being connected with trade company end
Gold management server, wherein:
Described client, at least includes payment gold for sending to described second capital management server
The payment request information of volume；
Described trade company end, for receiving the electronics acceptance and guarantee that described second capital management server sends
Voucher；
Second capital management server, for receiving the payment request information that described client sends；Ratio
Relatively client the balance of funding and credit extension loan amount sum and payment, it is judged that electronics can be generated and hold
Promise evidence for payment is paid；If can, the second capital management server freezes described client account respectively
Indoor the balance of funding and credit extension loan amount so that freeze total value and be more than or equal to described payment,
Generate and promised to undertake the electronics acceptance and guarantee paying fund by agreed terms solution by described second capital management server
Voucher, and described electronics acceptance and guarantee credential information is sent to trade company's end carries out letter for described client
Use acceptance and guarantee；
Described first capital management server, for storing what described second capital management server sent
Described electronics acceptance and guarantee credential information, and according to described electronics acceptance and guarantee credential information, will receive
To described payment transfer described trade company end account in.
According to another aspect of the present invention, it is provided that a kind of based on the network payment across fund server
Method, the method comprises the following steps:
Second capital management server receives the payment request information that client sends, and wherein, paying please
Information is asked at least to include payment；
Compare described client the balance of funding and credit extension loan amount 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 extension loan amount,
Make to freeze total value more than or equal to described payment；Generate and promised to undertake by the second capital management server
The electronics acceptance and guarantee voucher of fund is paid, by described electronics acceptance and guarantee credential information by agreed terms solution
It is sent to trade company's end and carries out credit acceptance and guarantee for described client.
A kind of based on the payment mechanism across fund server, described device includes receiver module, judges mould
Block 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 extension loan amount 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 extension loan amount so that freeze total value more than or equal to described payment；Generate electronics
Acceptance and guarantee voucher, is sent to trade company's end by described electronics acceptance and guarantee credential information.
A kind of based on the server across fund server, described server includes above-mentioned any one right
Payment mechanism described in requirement.
The present invention provide based on across the payment system of fund server and method, device and server,
By capital management server, the information of both parties is supervised, monitoring function is merged into bank
Or other possess the mechanism of credit payment ability；Simultaneously by freezing more than the fund of client account respectively
Volume and credit extension loan amount, and generate electronics acceptance and guarantee voucher 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
Pivot function and wind control center function, promote network trading with more optimal credit mechanism and ensure transaction
Fund security, provides fiduciary media for both parties, can reduce fund also by the supervision of fund
Risk, ensures the interests of both parties.Additionally, facilitate client, also also by increasing loan function
Enrich bank or other possess the business of mechanism of credit payment ability.
Accompanying drawing explanation
Fig. 1 a kind of based on the payment system across fund server shows for what the embodiment of the present invention one provided
It is intended to；
A kind of based on the method for payment across fund server the stream that Fig. 2 provides for the embodiment of the present invention two
Cheng Tu；
A kind of based on the method for payment across fund server the stream that Fig. 3 provides for the embodiment of the present invention three
Cheng Tu；
A kind of based on the payment mechanism across fund server the mould that Fig. 4 provides for the embodiment of the present invention four
Block structural diagram；
A kind of based on the payment system across fund server the mould that Fig. 5 provides for the embodiment of the present invention five
Block structural diagram.
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, embodiment of the present invention offer is a kind of based on the payment system across fund server,
This system includes at least one client 10, at least one trade company's end 20 and interconnective first money
Gold management server 30 and the second capital management server 40, wherein:
Client 10, is connected with the second capital management server 40, for the second capital management clothes
Business device 40 sends payment request information, and 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 the second capital management server 40.Pay
Solicited message at least includes payment, it is also possible to include merchant information and merchandise news.Wherein, business
Family information can be directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company,
Uniquely identified according to trade company by the second capital management server 40 from data base, search the silver that trade company is corresponding
Row account information.In a particular application, the accounts information of trade company's end 20 relative to client 10 should be
Secrecy, therefore merchant information is preferably trade company ID, the second capital management server 40 utilizes trade company ID
There is corresponding relation with its shroff account number and inquire about the shroff account number of trade company.It is to say, client
10 need inform the second capital management server 40 pays how many funds to which commodity of which trade company,
Second capital management server 40 just can recall the account of trade company and realize paying.
Trade company's end 20, is connected with the first capital management server 30, for receiving the second capital management
The electronics acceptance and guarantee voucher that server 40 sends.
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 of the second capital management server 40 transmission and holds
After promise evidence for payment, by the merchandise news extracted in electronics acceptance and guarantee credential information and information of receiving,
Commodity sending destination will be specified.
Second capital management server 40, for receiving the payment request information that client 10 sends；Will
Can the balance of funding and the credit extension loan amount of client 10 compare with payment, it is judged that output
Electronics acceptance and guarantee voucher；If allowing to pay, then in freezing client account, payment is corresponding
The balance of funding and credit extension loan amount, generate and promised to undertake by agreement by described second capital management server 40
Condition solution pays the electronics acceptance and guarantee voucher of fund, and electronics acceptance and guarantee credential information is sent to trade company
End 20.
Specifically, after the second capital management server 40 receives the packet of payment request information, press
The rule preset resolves, and obtains relevant payment information, and relevant payment information includes but not limited to business
The necessary informations such as family information, merchandise news and payment, i.e. to which commodity of which trade company pay
How many funds.Second capital management server 40 inquires about bank capital remaining sum and the credit loan of customer account
The most enough these clearing of amount of money degree sum, if not enough, then terminate this and pay, if sufficient,
Freeze the corresponding the balance of funding of payment and credit extension loan amount the most respectively so that freeze total value and be more than
Or equal to described payment, confirm to carry out, after delivery or client confirm to sign for, operation of remitting money until trade company
Complete transaction.
It is appreciated that at this and freezes the corresponding the balance of funding of payment and credit extension loan amount 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 extension loan amount 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 extension loan amount so that freeze
Knot total value is more than or equal to described payment.
Specifically, the second capital management server 40 can also be according to electronics acceptance and guarantee credential information
State further determines whether that operation of remitting money, i.e. request pay simply frozen capital remaining sum and credit extension loan
Amount, carries out remitting money and reduce credit facility extent after confirming to sign for again.
In the present embodiment, the second capital management server 40, also can simultaneously with multiple clients 10 and
Connected by the Internet.First capital management server 30, also can simultaneously with multiple trade companies end 20 and leading to
Cross the Internet to connect.I.e. the server at the server at trade company's end 20 account place and client 10 place is not
On same server.Second capital management server 40 and the first capital management server 30, permissible
For the single server in physical significance, it is also possible to for the multiple servers in physical significance, such as multiple stage
Physical server concurrent working, according to the difference of portfolio, the resource of automatic distribution server, jointly
Realize capital management.Second capital management server 40 and the first capital management server 30 include but not
It is limited to the server in the tissue such as bank, enterprise.It can be understood as same bank in actual application
Cluster capital management server, but it is not limited to bank, it is also possible to fund can be supported in the Internet
Other mechanism of flowing, also or other possess the mechanism of credit payment ability, namely generally says
The third-party institution.By capital management server, the information of both parties is supervised, merit will be supervised
Bank can be merged into or other possesses the mechanism of credit payment ability.
Embodiment two
As in figure 2 it is shown, embodiment of the present invention offer is a kind of based on the method for payment across fund server,
Be applied to capital management server, the method this comprise the following steps:
S201, client send payment request information to the second capital management server, pay request letter
Breath includes payment.
Specifically, the payment request information that the second capital management server receives includes: merchant information,
Merchandise news and payment, it is also possible to include client-side information (such as Customer ID).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
Second capital management server uniquely identifies according to trade company searches bank's account that trade company is corresponding from data base
Number information.In a particular application, the accounts information of trade company's end should be secrecy relative to client, therefore
Merchant information is preferably trade company ID, the second capital management server by utilizing trade company ID and deposits with its shroff account number
The shroff account number of trade company is inquired about in corresponding relation.It is to say, client only need to inform the second money
Gold management server pays how many funds, the second capital management server to which commodity of which trade company
Just the account that can recall trade company implements corresponding delivery operation.
S202, the second capital management server receive client and send payment request information；
S203, the balance of funding of inquiring client terminal account and credit extension loan amount sum, by described fund
Remaining sum and credit extension loan amount 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 extension loan amount abundance, perform step S204,
Otherwise terminate, withhold payment；
The payment that S204, the second capital management server freeze in client account respectively is corresponding
The balance of funding and credit extension loan amount；It is appreciated that at this and freezes the corresponding fund of payment respectively
Remaining sum and credit extension loan amount include following several situation:
1, the balance of funding in client account is only freezed so that freeze total value more than or equal to described
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, the balance of funding in difference frozen fraction client account and credit extension loan amount so that freeze
Total value is more than or equal to described payment.
S205, the second capital management server generate electronics according to payment request information and freezing information and hold
Promise evidence for payment, and it is sent to trade company's end；
Specifically, it is that the buyer is sent to the second fund pipe by client operation due to payment request information
Reason server, its payment information has objectively obtained client and has confirmed and authorized bank's payment.The
Two capital management servers freeze corresponding fund, according to payment information, generation are generated electronics simultaneously and hold
Promise evidence for payment, trade company's end provides corresponding commodity/service according to this electronics acceptance and guarantee voucher.
Electronics acceptance and guarantee voucher is sent to trade company's end, and is synchronized to by S206, the second fund server
First capital management server.Specifically, the electronic certificate information of generation is sent to client by this step
End and trade company's end, in order to follow-up tracking.
S207, the second capital management server receive and solve the information of paying；
S208, the second capital management server will freeze the allocation of the funds corresponding to amount to first with described
Capital management server；
The payment received is remitted money the account of trade company's end by S209, the first capital management server
In.
The method of payment that the embodiment of the present invention provides, receives client by the second capital management server
Payment request information, judge whether according to client account the balance of funding and credit extension loan amount sum
Allow to pay, simultaneously by freezing the balance of funding in client account and credit extension loan amount respectively,
And generate electronics acceptance and guarantee voucher and monitor in real time, financial risks can be reduced, ensure both parties
Interests.
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 extension loan amount
Method of payment, be applied to shown in Fig. 1 based on the payment system across fund server, the method include with
Lower step:
S301, client send payment request information to the second capital management server, pay request letter
Breath at least includes payment.
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 the second capital management server can use existing
Mode carry out, such as use the mode of digital signature or digital envelope to send.Digital signature refers to
User is encrypted the data of gained with the private key of oneself to the Hash digest of initial data.Information receives
Person obtains after using the PKI of information transmitter to be decrypted the digital signature after being attached to raw information and breathes out
Uncommon summary, and by compareing with the Hash digest oneself produced with the initial data received, just can be sure that
Whether raw information is tampered.This ensures that there the non-repudiation of data transmission.Digital envelope is then
Cryptographic technique is used to ensure that the content of the recipient's ability reading information only specified.In digital envelope
Have employed single key cryptosystem and public-key cryptosystem.Information transmitter is right first with randomly generate
Claim password encryption information, the public key encryption symmetric cryptography of recycling recipient, right by after public key encryption
Password is claimed to be referred to as digital envelope.When the information of transmission, when receiving party wants decryption information, must
First must decipher digital envelope with the private key of oneself, obtain symmetric cryptography, symmetric cryptography could be utilized to decipher
Obtained information.This ensures that there the authenticity and integrity of data transmission.
S302, capital management server receive the payment request information that client sends
Specifically, the payment request information that the second capital management server receives includes: merchant information,
Merchandise news and payment, it is also possible to include client-side information (such as Customer ID).Wherein, trade company
Information can be directly trade company's shroff account number, it is also possible to unique information (such as trade company ID) identifying trade company,
Uniquely identified according to trade company by the second capital management server from data base, search the bank that trade company is corresponding
Account information.In a particular application, the accounts information of trade company's end should be secrecy relative to client,
Therefore merchant information is preferably trade company ID, the second capital management server by utilizing 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, client only need to inform second
Capital management server pays how many funds, the second capital management service to which commodity of which trade company
Device just can recall the account of trade company and implement corresponding delivery operation.
S303, the balance of funding of inquiring client terminal account and credit extension loan amount sum, by described fund
Remaining sum and credit extension loan amount 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 extension loan amount abundance, perform step S305,
Otherwise, step S304 is performed；；
S304, to client ask whether provide credit facility extent；If needing credit facility extent,
Then perform step S305, otherwise terminate flow process；
S305, judge that described credit facility extent is the most sufficient；Abundance herein has been appreciated that several
Situation:
1, the original the balance of funding in client account and credit extension loan amount and part credit are overdrawed
When amount sum is more than or equal to the amount of described payment, then it is assumed that described credit facility extent is filled
Foot, otherwise, inadequate；
2, when credit facility extent is more than or equal to the amount of described payment, then it is assumed that described credit
Facility extent is sufficient, otherwise, inadequate.
Specifically, credit facility extent 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, (prop up when the price of commodity of customer selecting is 1500 yuan
Pay the amount of money) time, if the balance of funding in customer account and credit extension loan amount only have 900 yuan,
Then need credit facility extent 600 yuan, can be only achieved permission payment standards, carry out payment behavior.
Certainly, use another mode, as directly credit facility extent 1500 yuan is provided in application, enter
Row pays, and is also feasible.
S306, the second capital management server freeze the balance of funding in client account and credit respectively
Loan limit and credit facility extent so that freeze total value and be more than or equal to described payment, specifically
Can be divided into following several form:
1, the balance of funding in client account is only freezed so that freeze total value more than or equal to described
Pay the amount of money.
2, credit extension loan amount is only freezed so that freeze total value more than or equal to described payment.
3, credit facility extent is only freezed so that freeze total value more than or equal to described payment.
4, the part the balance of funding in difference frozen fraction client account and part credit extension loan amount,
Make to freeze total value more than or equal to described payment.
5, the part the balance of funding in difference frozen fraction client account and part credit facility extent,
Make to freeze total value more than or equal to described payment.
6, the part part credit extension loan amount in difference frozen fraction client account is saturating with part credit
Prop up amount so that freeze total value more than or equal to described payment.
7, the credit facility extent in difference frozen fraction client account and credit extension loan amount and money
Gold remaining sum so that freeze total value more than or equal to described payment.
S307, the second capital management server generate electronics according to payment request information and freezing information and hold
Promise evidence for payment；
Specifically, it is that the buyer is sent to the second fund pipe by client operation due to payment request information
Reason server, its payment information has objectively obtained client and has confirmed and authorized bank's payment.The
Two capital management servers freeze corresponding the balance of funding or credit extension loan amount or credit overdraft respectively
Degree, will generate simultaneously and generate electronics acceptance and guarantee voucher according to payment information, and trade company's end is according to this electronics
Acceptance and guarantee voucher provides corresponding commodity/service.
Electronics acceptance and guarantee voucher is sent to trade company's end, and is synchronized to by S308, the second fund server
First capital management server.
S309, the second capital management server receive and solve the information of paying；It should be noted that this step S408
In, trade company's end sends to capital management server and receive solution to pay information is only one citing, and reality should
In with, it is also possible to by client, logistics service device or other can know the entity of delivery status to
Capital management server sends and solves the information of paying.
S310, the second capital management server will freeze the allocation of the funds corresponding to amount to first with described
Capital management server；It is appreciated that according to freezing methods different in S306 step, will have corresponding
Supporting allocation of the funds scheme, by the corresponding allocation of the funds to the account of trade company's end.
The payment received is remitted money the account of trade company's end by S311, the first capital management server.
Finally, flow process is terminated.
The embodiment of the present invention, on the basis of embodiment two, by increasing credit facility extent function,
Not only facilitate the buyer, and extreme enrichment bank or other possess the mechanism of credit payment ability
Business；Additionally, carry out synchronized tracking, by business also by the electronics acceptance and guarantee voucher of both parties
The circulation track of product and the circulation track of fund are effectively combined so that the rights and interests of both parties all can obtain
To effectively protection.
Embodiment four
As shown in Figure 4, 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 extension loan amount 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 extension loan amount；Judge whether are the balance of funding of client account and credit extension loan amount
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 extension loan amount sum, preferential employing account fund remaining sum and credit extension loan volume
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 extension loan amount.Only the balance of funding and credit extension loan amount 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 extension loan amount sum are less than payment, ask whether to need granting to award to client
Letter facility extent；If needing credit facility extent, then provide credit facility extent 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 extension loan amount 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 facility extent, provide credit facility extent 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 extension loan amount and credit facility extent 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 3031, voucher signal generating unit 3032 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 extension loan amount and credit facility extent 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 the first fund
In trade company's end account at server place.
It should be noted that the technical characteristic of said method embodiment two and embodiment three is equal at this device
Corresponding applicable, the most no longer repeat.
Additionally, present invention also offers a kind of capital management server, this capital management server includes
Payment mechanism in embodiment four, the most no longer repeats.
The payment mechanism of the embodiment of the present invention and server, by receiving the payment request information of client,
The balance of funding and credit extension loan amount according to the buyer determine whether to pay, simultaneously by freezing respectively
The balance of funding of knot client account and credit extension loan amount so that freeze total value more than or equal to described
Payment, and generate electronics acceptance and guarantee voucher and monitor in real time, financial risks can be reduced, protect
The interests of barrier both parties.Additionally, also by increasing credit extension loan amount function, not only facilitate and buy
Side, and extreme enrichment bank or other possess the business of mechanism of credit payment ability.
Embodiment five
As it is shown in figure 5, preferred embodiment of the present invention offer is a kind of based on the payment system across fund server
System, this system includes client 10, trade company's end 20 and the second capital management clothes being connected with client 10
Business device 40, and the first capital management server 30 being connected with trade company end 20, wherein:
Client 10, including paying request module 101, is set to the second capital management server 40
Sending payment request information, wherein, payment request information includes: merchant information, merchandise news and payment
The amount of money.
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 the second capital management server 40 sends.
Second capital management server 40 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 extension loan amount 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 extension loan amount 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 the second capital management server 40 is also configured to
Receive and solve the information of paying；Processing module 303 also includes module 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.
Specifically, due to payment request information be the buyer pass through client 10 operation be sent to the second fund
Management server 40, its payment information is objectively to have obtained client 10 to confirm and authorized bank props up
Pay.Second capital management server 40 freezes corresponding the balance of funding and credit extension loan amount respectively,
To generate simultaneously and generate electronics acceptance and guarantee voucher, electronics acceptance and guarantee credential information according to payment information
Include but not limited to 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 electronics
Voucher is as the voucher of the reception fund of trade company's end 20, and trade company's end 20 is according to this electronics acceptance and guarantee voucher
Corresponding commodity/service is provided.
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. based on the payment system across fund server, including at least one client, at least one
Individual trade company end and the second capital management server being connected with client and be connected with trade company end first
Capital management server, wherein:
Described client, at least includes payment gold for sending to described second capital management server
The payment request information of volume；
Described trade company end, for receiving the electronics acceptance and guarantee that described second capital management server sends
Voucher；
Second capital management server, for receiving the payment request information that described client sends；Ratio
Relatively client the balance of funding and credit extension loan amount sum and payment, it is judged that electronics can be generated and hold
Promise evidence for payment is paid；If can, the second capital management server freezes described client account respectively
Indoor the balance of funding and credit extension loan amount so that freeze total value and be more than or equal to described payment,
Generate and promised to undertake the electronics acceptance and guarantee paying fund by agreed terms solution by described second capital management server
Voucher, and described electronics acceptance and guarantee credential information is sent to trade company's end carries out letter for described client
Use acceptance and guarantee；
Described first capital management server, for storing what described second capital management server sent
Described electronics acceptance and guarantee credential information, and according to described electronics acceptance and guarantee credential information, will receive
To described payment transfer described trade company end account in.
The most according to claim 1 based on the payment system across fund server, wherein, described
Capital management server is: the single one physical server of bank or cluster server；Or other tools
The single one physical server of the mechanism of standby credit payment ability or cluster server.
3., based on the method for network payment across fund server, the method comprises the following steps:
Second capital management server receives the payment request information that client sends, and wherein, paying please
Information is asked at least to include payment；
Compare described client the balance of funding and credit extension loan amount 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 extension loan amount,
Make to freeze total value more than or equal to described payment；Generate and promised to undertake by the second capital management server
The electronics acceptance and guarantee voucher of fund is paid, by described electronics acceptance and guarantee credential information by agreed terms solution
It is sent to trade company's end and carries out credit acceptance and guarantee for described client.
The most according to claim 3 based on the method for payment across fund server, wherein, described
Method also includes:
When the balance of funding of described client account and credit extension loan amount sum are less than payment,
Ask whether to need to provide credit facility extent to client；If needing credit extension loan amount, then to
Client account provides full-amount credit facility extent, it is determined that allow to pay, if need not credit overdraw
Amount, then terminate this and pay.
5. according to described in claim 3 or 4 based on the method for payment across fund server, wherein,
Also include before described method:
Client sends payment request information to the second capital management server, and wherein, described payment please
Information is asked to include: customer information, merchant information and merchandise news.
6. according to described in claim 3 or 4 based on the method for payment across fund server, wherein,
Also include after described method:
After second capital management server receives solution pair information, pay synchronizing information to client by described solution
End and trade company's end, and the described allocation of the funds freezed is connected to described first capital management server
Described trade company end account.
7., based on the payment mechanism across fund server, described device includes receiver module, judgement
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 extension loan amount 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 extension loan amount so that freeze total value more than or equal to described payment；Generate electronics
Acceptance and guarantee voucher, is sent to trade company's end by described electronics acceptance and guarantee credential information.
Payment mechanism the most according to claim 7, wherein, described processing module farther includes
Freezing unit, voucher signal generating unit and lock unit, wherein:
Freezing unit, is set to, when allowing to pay, freeze the fund in described client account respectively
Remaining sum and credit extension loan amount so that freeze total value more than or equal to described payment；
Voucher signal generating unit, is set to generate electronics acceptance and guarantee voucher；
Lock unit, is set to described electronics acceptance and guarantee credential information is sent to trade company's end.
The balance of funding the most according to claim 8 and the payment mechanism of credit extension loan amount, wherein,
Described processing module also includes unit of remitting money, described in unit of remitting money be set to receive after solution pays information,
By solution pair synchronizing information to client and trade company's end, and by the described allocation of the funds freezed to described trade company
The account of end.
10., based on the server across fund server, described server includes in claim 7-8
Payment mechanism described in any one claim.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510218898.4A CN106204015A (en) | 2015-04-30 | 2015-04-30 | Based on across the payment system of fund server and method, device and server |
| CA2988807A CA2988807A1 (en) | 2015-04-30 | 2015-05-28 | Management across funds server-based payment system, and method, device and server |
| PCT/CN2015/080083 WO2016173049A1 (en) | 2015-04-30 | 2015-05-28 | Management across funds server-based payment system, and method, device and server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510218898.4A CN106204015A (en) | 2015-04-30 | 2015-04-30 | Based on across the payment system of fund server and method, device and server |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106204015A true CN106204015A (en) | 2016-12-07 |
Family
ID=57198890
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510218898.4A Pending CN106204015A (en) | 2015-04-30 | 2015-04-30 | Based on across the payment system of fund server and method, device and server |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106204015A (en) |
| CA (1) | CA2988807A1 (en) |
| WO (1) | WO2016173049A1 (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110135828A (en) * | 2019-05-07 | 2019-08-16 | 惠龙易通国际物流股份有限公司 | Online financing settlement method and platform |
| CN110491029A (en) * | 2018-05-14 | 2019-11-22 | 佛山市顺德区美的饮水机制造有限公司 | Water purifier water intaking control method, server, readable storage medium storing program for executing and water purifier system |
| CN112001732A (en) * | 2020-09-03 | 2020-11-27 | 浙江网商银行股份有限公司 | Service processing system, method and device |
| CN112308544A (en) * | 2019-08-01 | 2021-02-02 | 青岛海德威智通信息科技有限公司 | Data processing method and device, computer readable medium and electronic equipment |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101149826A (en) * | 2006-09-21 | 2008-03-26 | 邓斌涛 | Electronic payment signal transmission treatment method |
| CN101000675A (en) * | 2006-12-30 | 2007-07-18 | 上海实诺信息技术有限公司 | Electronic transaction method and transaction platform system |
| US20150262179A1 (en) * | 2013-03-18 | 2015-09-17 | Shenzhen Cifpay Network Bank Technology Co., Ltd | Paying method and system by using network |
| 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 CN201510218898.4A patent/CN106204015A/en active Pending
- 2015-05-28 CA CA2988807A patent/CA2988807A1/en active Pending
- 2015-05-28 WO PCT/CN2015/080083 patent/WO2016173049A1/en active Application Filing
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110491029A (en) * | 2018-05-14 | 2019-11-22 | 佛山市顺德区美的饮水机制造有限公司 | Water purifier water intaking control method, server, readable storage medium storing program for executing and water purifier system |
| CN110135828A (en) * | 2019-05-07 | 2019-08-16 | 惠龙易通国际物流股份有限公司 | Online financing settlement method and platform |
| CN110135828B (en) * | 2019-05-07 | 2024-01-30 | 惠龙易通国际物流股份有限公司 | Online financing settlement method and platform |
| CN112308544A (en) * | 2019-08-01 | 2021-02-02 | 青岛海德威智通信息科技有限公司 | Data processing method and device, computer readable medium and electronic equipment |
| CN112001732A (en) * | 2020-09-03 | 2020-11-27 | 浙江网商银行股份有限公司 | Service processing system, method and device |
Also Published As
| Publication number | Publication date |
|---|---|
| CA2988807A1 (en) | 2016-11-03 |
| WO2016173049A1 (en) | 2016-11-03 |
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Application publication date: 20161207 |