WO2016172939A1

WO2016172939A1 - Payment system based on different funds servers, and payment method, device and server therefor

Info

Publication number: WO2016172939A1
Application number: PCT/CN2015/078032
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-04-30
Filing date: 2015-04-30
Publication date: 2016-11-03
Also published as: CA2986814A1; CA2986814C

Abstract

Disclosed are a payment system based on different funds-management servers, and a payment method, device and funds-management server therefor, belonging to the field of e-commerce. The method comprises: a second funds-management server receiving payment request information sent by a first terminal; comparing a first terminal account credit overdraft limit with a payment amount to determine whether an electronic commitment payment certificate can be created; if yes, the second funds-management server freezing the credit overdraft limit within the first terminal account, the credit overdraft limit corresponding to the payment amount; generating the electronic commitment payment certificate for the funds-management server to commit to pay funds according to an agreed condition, and sending the electronic commitment payment certificate to a second terminal to make a credit commitment payment on behalf of the first terminal. Using the technical solution of the present invention to supervise both parties in a transaction reduces financial risk, and ensures the interests of both parties in the transaction.

Description

Payment system based on different fund servers and payment method, device and server thereof

Technical field

The present invention relates to the field of electronic commerce, and in particular, to a payment system based on different funds servers, and a payment method, apparatus and server thereof.

Background technique

E-commerce has become more and more widely used in various commercial trade activities. The so-called e-commerce refers to online shopping for consumers based on browser and server applications in the open Internet environment of commercial trade activities. A business operation model for online transactions and online electronic payments between merchants and various business activities, trading activities, financial activities and related integrated service activities.

At present, many banks or enterprises provide online payment services, allowing customers to operate terminals such as computers and mobile phones to realize online payment. The way of online payment provides customers with great convenience. In the process of online payment, most of the funds are directly paid by using the existing funds or credit cards in the debit card, or the credits in the existing funds or credit cards are directly transferred to a third party institution as a guarantee for the transaction, once the merchant has not provided the goods. When the service is or there is a customer dispute, the security of funds is difficult to guarantee. It can be seen that new payment systems, methods, devices and fund management servers are needed at this stage to reduce the risk of user funds and protect the interests of both buyers and sellers.

Summary of the invention

In view of this, the technical problem to be solved by the present invention is to provide a payment system based on different fund servers and a payment method, device and server thereof, so as to reduce the risk of user funds and protect the interests of both buyers and sellers.

The technical solution adopted by the present invention to solve the above technical problems is as follows:

According to an aspect of the present invention, a payment system based on a different money server is provided, comprising at least one first terminal, at least one second terminal, a second money management server connected to the first terminal, and a second terminal connected a first fund management server, wherein the first money management server and the second money server are connected, wherein:

The first terminal is configured to send, to the second fund management server, payment request information including at least a payment amount;

The second terminal is configured to receive an electronic commitment payment voucher sent by the first fund management server;

a second fund management server, configured to receive payment request information sent by the first terminal; compare the first terminal account credit overdraft limit and the payment amount to determine whether an electronic commitment payment voucher can be generated for payment; if so, the second fund management server And freezing an amount corresponding to the payment amount in the first terminal account, generating an electronic payment voucher that is promised by the second fund management server to cancel the payment according to the agreed condition, and sending the electronic commitment payment voucher information to the first The second terminal performs credit commitment payment for the first terminal;

The first money management server is configured to store the electronic payment voucher information sent by the second fund management server, and allocate the received payment amount to the second according to the electronic payment voucher information In the account of the terminal.

According to another aspect of the present invention, a network payment method based on different funds servers is provided, the method comprising the steps of:

The second fund management server receives the payment request information sent by the first terminal, where the payment request information includes at least the payment amount;

Comparing the first terminal account credit overdraft limit and the payment amount to determine whether an electronic commitment payment certificate can be generated for payment;

If yes, the second fund management server freezes the amount corresponding to the payment amount in the first terminal account; generates an electronic commitment payment certificate that is promised by the second fund management server to cancel the payment according to the agreed condition, and the The electronic commitment payment voucher information is sent to the second terminal for credit commitment payment for the first terminal.

According to still another aspect of the present invention, a payment device based on a different money server is provided, the device comprising a receiving module, a determining module and a processing module, wherein.

a receiving module, configured to receive payment request information sent by the first terminal, where the payment request information includes a payment amount;

The determining module is configured to determine whether to allow the credit commitment payment according to the first terminal account credit overdraft limit and the payment amount;

The processing module is configured to: when the payment is allowed, freeze the credit overdraft amount corresponding to the payment amount in the first terminal account; generate an electronic commitment payment voucher, and send the electronic commitment payment voucher information to the second terminal.

According to still another aspect of the present invention, a server based on a different funds server is provided, the server comprising the payment device of the above technical solution.

The payment system based on different funds server and the method, device and server thereof provide supervision on the information of the buyer and the seller through the first fund management server and the second fund management server, and merge the supervision function into the bank or other credit payment At the same time, by freezing the credit overdraft limit of the first terminal account and generating electronic payment vouchers, the risk of funds can be reduced and the interests of both buyers and sellers can be protected; this scheme makes full use of the first fund management server and the second fund management server. The function of the risk control center of the credit center promotes network transactions and guarantees the security of transaction funds with a more optimized credit mechanism, provides a credit medium for both parties to the transaction, and reduces the risk of funds through the supervision of funds to protect the interests of both parties. In addition, it also facilitates customers by adding loan functions, and enriches the business of banks or other institutions with credit payment capabilities.

DRAWINGS

1 is a schematic diagram of a payment system based on different funds servers according to an embodiment of the present invention;

2 is a flowchart of a payment method based on different funds servers according to an embodiment of the present invention;

3 is a flowchart of a payment method based on different funds servers according to an embodiment of the present invention;

4 is a flowchart of a payment method based on different funds servers according to an embodiment of the present invention;

FIG. 5 is a flowchart of a payment method based on different funds servers according to an embodiment of the present invention;

FIG. 6 is a flowchart of a payment method based on different funds servers according to an embodiment of the present invention;

[Corrected according to Rule 91 15.06.2015]

[Corrected according to Rule 91 15.06.2015]
FIG. 7 is a block diagram of a module of a payment device based on different funds servers according to an embodiment of the present invention;

[Corrected according to Rule 91 15.06.2015]
FIG. 8 is a block diagram of a module of a payment system based on different funds servers according to a preferred embodiment of the present invention.

detailed description

The present invention will be further described in detail below with reference to the accompanying drawings and embodiments, in order to make the present invention. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

Embodiment 1

As shown in FIG. 1 , a payment system based on different funds server is provided in an embodiment of the present invention. The system includes at least one first terminal 10, at least one second terminal 20, and a first fund management server 30 connected to the first The second fund management server 40 is connected to the second terminal 20 for operating the account of the second terminal 20. The second fund management server 40 is connected to the first terminal 10 for the first terminal. 10 accounts operate, where:

The first terminal 10 is configured to send payment request information to the second fund management server 40, wherein the payment request information includes a payment amount.

Specifically, the first terminal 10 is applicable to a payment party, such as a terminal used by a client, including a smart device such as a mobile phone, a personal computer, a PAD, etc., and the account information of the first terminal 10 is filled in when the customer registers, and is stored in the second fund management service. The account information of the first terminal 10 in the database of 40 includes information such as a customer ID, an account bank, an account name, a bank account number, a credit balance, and the like, and may also include a customer's delivery address information. The payment request information is information such as a price (payment amount) and a delivery address that are filled in/confirmed after the customer purchases a specific product/service, and the first terminal 10 according to the preset rule according to the price of the product/service, the item/service belongs to The data packet generated by the merchant transmits the data packet to the second money management server 40.

The second fund management server 40 is configured to receive the payment request information sent by the first terminal 10, and determine whether the account is based on the payment amount and the first terminal account credit overdraft limit, the first terminal account fund balance, and the first terminal account credit loan amount. Having the ability to pay; if the judgment result is that the payment ability is available, the amount corresponding to the payment amount in the credit limit of the first terminal account is frozen, and the electronic payment certificate is generated according to the payment request information and the frozen information, and then the electronic payment certificate is sent to the first The second terminal is synchronized to the first money management server.

The second terminal 20 is configured to receive the electronic payment credential information sent by the second fund management server 40.

Specifically, the second terminal 20 is applicable to a payee (merchant), and the second terminal includes, but is not limited to, a server, a POS machine, and the like. Merchants include, but are not limited to, manufacturers, agents, logistics companies, etc. The merchant information is also registered when the customer opens the account and is stored in the database of the first fund management server 30. The merchant information includes but is not limited to the merchant ID, the merchant name, the merchant account bank, the merchant account name, the merchant bank account number and the like.

The first fund management server 30 is configured to receive and store the electronic payment voucher information sent by the second fund management server 40, and is further configured to allocate the received payment amount to the account of the second terminal according to the electronic payment voucher information.

Among them, the electronic payment voucher information is the key information in the payment behavior, which is beneficial to follow-up tracking according to the electronic payment voucher information at any time, and verify whether there is an abnormality in the payment behavior.

In this embodiment, the plurality of first terminals 10 are connected to the second fund management server 40 via the Internet, and the plurality of second terminals 20 are connected to the first fund management server 30 via the Internet, that is, the server and the second terminal 20 account are located. The server where the terminal 10 is located is a fund management server. The fund management server can be a single server in the physical sense, or multiple servers in the physical sense, such as multiple physical servers working in parallel, automatically allocating server resources according to different traffic volumes, and jointly implementing fund management. The money management server includes, but is not limited to, servers in organizations such as banks and enterprises. In practical applications, it can be understood as the cluster fund management server of the same bank, but it is not limited to banks, but also other institutions in the Internet that support the flow of funds. The information of the first money management server 30 and the second money management server 40 is supervised, and the supervision function is incorporated into a bank or other third party institution.

Embodiment 2

As shown in FIG. 2, a payment method based on different funds server is applied to a fund management server according to an embodiment of the present invention. The method includes the following steps:

S201. The first terminal sends payment request information to the second fund management server, where the payment request information includes a payment amount.

Specifically, the payment request information received by the second fund management server includes: merchant information, commodity information, and payment amount, and may further include first terminal information (such as a customer ID). The merchant information may directly be the merchant payment account, or may uniquely identify the merchant information (such as the merchant ID), and the second fund management server searches the database for the bank account information corresponding to the merchant according to the unique identifier of the merchant. In a specific application, the account information of the second terminal should be confidential with respect to the first terminal, so the merchant information is preferably a merchant ID, and the second fund management server uses the relationship between the merchant ID and the payment account to query the merchant's collection. account number. That is to say, the first terminal only needs to inform the second fund management server which product of which merchant to pay the amount of money, and the second fund management server can call the merchant account to implement the corresponding payment operation.

S202. The second fund management server receives the first terminal to send payment request information.

S203. Compare the first terminal account credit overdraft limit and the payment amount to determine whether the electronic commitment payment certificate can be generated for payment. If the payment is allowed, the process proceeds to S209. Otherwise, the payment is terminated, and the process ends.

S209. The second fund management server freezes the credit amount of the first terminal account corresponding to the payment amount in the first terminal account;

This step only freezes the credit overdraft limit to ensure that there are sufficient funds to complete the transaction, but does not directly transfer the money to the merchant account, thus protecting the interests of the buyer and the seller, and the successor can be the first terminal, the second terminal or the logistics company. The delivery payment information confirms that the delivery is completed, and after receiving the cancellation information, the second fund management server transfers the funds equal to the payment funds to the first fund management server.

S210. The second fund management server generates an electronic commitment payment certificate according to the payment request information and the freezing information, and sends the electronic commitment payment voucher to the second terminal.

Specifically, since the payment request information is sent by the buyer to the fund management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized to be paid by the bank. The second fund management server freezes the corresponding credit overdraft limit, and generates an electronic commitment payment certificate according to the payment information, and the second terminal provides the corresponding commodity/service according to the electronic commitment payment certificate.

S211. The second funds server sends the electronic payment certificate to the second terminal, and synchronizes to the first fund management server;

S212. The second fund management server receives the settlement information.

S213. The second fund management server transfers the money to the first fund management server;

S214. The first fund management server allocates the received payment amount to the account of the second terminal.

The payment method provided by the embodiment of the present invention receives the payment request information of the first terminal through the second fund management server, determines whether the payment is allowed according to the credit limit of the first terminal account and the payment amount, and freezes the credit overdraft of the first terminal account. The amount, and the generation of electronic commitment payment vouchers, can reduce the risk of funds and protect the interests of both buyers and sellers.

Embodiment 3

As shown in FIG. 3, a payment method based on different funds servers is applied to a fund management server according to an embodiment of the present invention. The method includes the following steps:

S203. Compare the first terminal account credit overdraft limit and the payment amount to determine whether the electronic commitment payment certificate can be generated for credit commitment payment. If the payment is allowed, the process proceeds to S209, otherwise, the process proceeds to S204.

S204. Compare the first terminal account fund balance and the payment amount to determine whether the electronic commitment payment certificate can be generated to be credit promised payment. If the payment is allowed, the process proceeds to S209, otherwise the process ends.

The bank account or the credit card account of the first terminal may be that the first terminal informs the second fund management server in the payment request information, or the second fund management server may query the database according to the first terminal ID.

S209. The second fund management server freezes the balance corresponding to the payment amount in the first terminal account or the credit overdraft limit;

This step only freezes the payment amount or the credit overdraft limit to ensure that there are sufficient funds to complete the transaction, but does not directly transfer the payment to the merchant account, thus protecting the interests of the buyer and the seller, and the successor can be the first terminal and the second terminal. Or the logistics company sends the settlement information to confirm the delivery is completed, and after receiving the payment information, the fund management server allocates the unfrozen funds or the funds equal to the payment amount to the merchant account.

S210. The second fund management server generates an electronic commitment payment certificate according to the payment request information and the freezing information.

Specifically, since the payment request information is sent by the buyer to the second fund management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized to be paid by the bank. The second fund management server freezes the corresponding funds or the credit overdraft limit, and generates an electronic commitment payment certificate according to the payment information, and the second terminal provides the corresponding goods/services according to the electronic commitment payment certificate.

S211. Send the electronic payment certificate to the second terminal, and synchronize to the first fund management server.

S212. The second fund management server receives the settlement information.

The payment method provided by the embodiment of the present invention receives the payment request information of the first terminal through the fund management server, determines whether the payment is allowed according to the credit limit of the first terminal account of the buyer or the fund balance, and generates an electronic commitment payment voucher for real-time monitoring. It can reduce the risk of capital and protect the interests of both buyers and sellers.

Embodiment 4

As shown in FIG. 4, a payment method based on different funds server is applied to a fund management server according to an embodiment of the present invention. The method includes the following steps:

S202. The second fund management server receives the first terminal to send the payment request information.

Specifically, the payment request information received by the fund management server includes: merchant information, commodity information, and payment amount, and may further include first terminal information (such as a customer ID). The merchant information may directly be the merchant payment account, or may uniquely identify the merchant information (such as the merchant ID), and the fund management server searches the database for the bank account information corresponding to the merchant according to the unique identifier of the merchant. In a specific application, the account information of the second terminal should be confidential with respect to the first terminal, so the merchant information is preferably a merchant ID, and the fund management server uses the relationship between the merchant ID and the payment account to query the merchant's payment account. That is to say, the first terminal only needs to inform the merchant management server which merchant to pay for which merchandise, and the fund management server can call the merchant's account to implement the corresponding payment operation.

S203. The second fund management server compares the first terminal account credit overdraft limit and the payment amount to determine whether the electronic commitment payment certificate is generated for credit commitment payment. If the payment is allowed, the process proceeds to S209, otherwise, the process proceeds to step S204.

The bank account or the credit card account of the first terminal may be that the first terminal informs the fund management server in the payment request information, or the fund management server may query from the database according to the first terminal ID.

S204. The second fund management server compares the account credit loan amount and the payment amount to determine whether the electronic commitment payment voucher can be generated for the credit commitment payment. If the payment is allowed, the process proceeds to S209, otherwise the process ends.

S209. The second fund management server freezes the credit overdraft limit or the credit loan amount in the first terminal account;

This step only freezes the credit line to ensure that there are sufficient funds to complete the transaction, but does not directly transfer the money to the merchant account, thus protecting the interests of the buyer and the seller, and the successor can be sent by the first terminal, the second terminal or the logistics company. The payment information confirms that the delivery is completed, and after receiving the payment information, the fund management server transfers the thawed funds to the merchant account.

Specifically, since the payment request information is sent by the buyer to the second fund management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized to be paid by the bank. The second fund management server freezes the corresponding credit line, and generates an electronic commitment payment certificate according to the payment information, and the second terminal provides the corresponding goods/services according to the electronic commitment payment certificate.

S212. The second fund management server receives the settlement information.

The payment method provided by the embodiment of the present invention receives the payment request information of the first terminal through the second fund management server, determines whether the payment is allowed according to the credit limit of the first terminal account of the buyer, and the credit amount of the first terminal account, and simultaneously freezes The payment amount of the first terminal account and the generation of electronic commitment payment vouchers can reduce the risk of funds and protect the interests of both buyers and sellers.

Embodiment 5

As shown in FIG. 5, a payment method based on different funds server is applied to a fund management server according to an embodiment of the present invention. The method includes the following steps:

Specifically, the payment request information received by the second fund management server includes: merchant information, commodity information, and payment amount, and may further include first terminal information (such as a customer ID). The merchant information may directly be the merchant payment account, or may uniquely identify the merchant information (such as the merchant ID), and the fund management server searches the database for the bank account information corresponding to the merchant according to the unique identifier of the merchant. In a specific application, the account information of the second terminal should be confidential with respect to the first terminal, so the merchant information is preferably a merchant ID, and the second fund management server uses the relationship between the merchant ID and the payment account to query the merchant's collection. account number. That is to say, the first terminal only needs to inform the second fund management server which product of which merchant to pay the amount of money, and the second fund management server can call the merchant account to implement the corresponding payment operation.

S203. Compare the first terminal account credit overdraft limit and the payment amount to determine whether the electronic commitment payment certificate can be generated for payment. If the payment is allowed, the process proceeds to S209, otherwise, the process proceeds to step S204.

S204. Compare the account fund balance and the payment amount to determine whether the electronic commitment payment certificate can be generated for payment. If the payment is allowed, the process proceeds to S209, otherwise, the process proceeds to step S205.

S205. Compare the account credit loan amount and the payment amount to determine whether the electronic commitment payment certificate can be generated for payment. If the payment is allowed, the process proceeds to S209, otherwise the process ends.

S209. The second fund management server freezes the balance or the credit line corresponding to the payment amount in the first terminal account;

This step only freezes the payment amount or the credit line to ensure that there are sufficient funds to complete the transaction, but does not directly transfer the money to the merchant account, thus protecting the interests of the buyer and the seller, and the successor can be the first terminal, the second terminal or The logistics company sends the settlement information to confirm the delivery completion, and after receiving the payment information, the fund management server transfers the thawed funds to the merchant account.

Specifically, since the payment request information is sent by the buyer to the second fund management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized to be paid by the bank. The second fund management server freezes the corresponding funds or the credit line, and generates an electronic commitment payment certificate according to the payment information, and the second terminal provides the corresponding goods/services according to the electronic commitment payment certificate.

S212. The second fund management server receives the settlement information.

The payment method provided by the embodiment of the present invention receives the payment request information of the first terminal through the fund management server, and determines whether the permission is allowed according to the credit limit of the first terminal account of the buyer, the amount of the first terminal account, and the credit amount of the first terminal account. Payment, at the same time by freezing the payment amount of the first terminal account, and generating electronic commitment payment vouchers for real-time monitoring, can reduce the risk of funds and protect the interests of both buyers and sellers.

Embodiment 6

As shown in FIG. 6, a payment method based on different funds server is applied to a fund management server according to an embodiment of the present invention. The method includes the following steps:

S204. The comparison account credit loan amount and the payment amount determine whether the electronic commitment payment certificate can be generated for payment. If the payment is allowed, the process proceeds to S209, otherwise, the process proceeds to step S205.

S205. Compare the account fund balance and the payment amount to determine whether the electronic commitment payment certificate can be generated for payment. If the payment is allowed, the process proceeds to S209, otherwise the process ends.

This step only freezes the payment amount or the credit line to ensure that there are sufficient funds to complete the transaction, but does not directly transfer the money to the merchant account, thus protecting the interests of the buyer and the seller, and the successor can be the first terminal, the second terminal or The logistics company sends the settlement information to confirm the delivery is completed, and after receiving the payment information, the fund management server allocates the unfrozen funds or the funds equal to the payment funds to the merchant account.

Specifically, since the payment request information is sent by the buyer to the second fund management server through the first terminal operation, the payment information is objectively confirmed by the customer and authorized to be paid by the bank. The second fund management server freezes the corresponding funds or credits, and generates an electronic commitment payment certificate according to the payment information, and the second terminal provides the corresponding goods/services according to the electronic commitment payment certificate.

S212. The second fund management server receives the settlement information.

The payment method provided by the embodiment of the present invention receives the payment request information of the first terminal through the fund management server, determines whether the payment is allowed according to the credit limit and the payment amount of the first terminal account, and freezes the balance or credit of the first terminal account. The amount, and the generation of electronic commitment payment vouchers, can reduce the risk of funds and protect the interests of both buyers and sellers.

Example 7

As shown in FIG. 7, a payment device provided by an embodiment of the present invention includes a receiving module 301, a determining module 302, and a processing module 303, where:

The receiving module 301 is configured to receive payment request information sent by the first terminal, where the payment request information includes a payment amount.

Specifically, the payment request information received by the receiving module 301 includes: merchant information, product information, and payment amount, and may further include first terminal information (such as a customer ID). The merchant information may directly be a merchant collection account, or may uniquely identify the merchant's information (such as a merchant ID). In a specific application, the account information of the second terminal should be confidential with respect to the first terminal, so the merchant information is preferably a merchant ID, that is, the first terminal only needs to inform the fund management server which merchant to pay for which product. The account of the merchant is called by the device to implement the corresponding payment operation.

The determining module 302 is configured to determine whether to allow payment according to the first terminal account fund balance or the credit overdraft limit or the credit loan amount and the payment amount.

As a preferred solution, the determining module 302 is specifically configured to: determine whether the credit overdraft limit of the first terminal account is greater than or equal to the payment amount, and if yes, allow payment; otherwise, further determine whether the fund balance of the first terminal account is greater than Or equal to the payment amount, if yes, the payment is allowed; otherwise, it is further determined whether the credit amount of the first terminal account is greater than the payment amount, and if so, the payment is allowed, otherwise the payment is not allowed. In this way, determining the payment ability of the first terminal account in turn can save the payment cycle and protect the interests of the merchant. The bank account or the credit card account of the first terminal may be that the first terminal informs the device in the payment request information, or that the device queries the database according to the first terminal information, and obtains the funds corresponding to the first terminal account. Balance or credit line. Only when the fund balance or the credit limit of the first terminal account is greater than or equal to the payment amount, indicates that the customer has the ability to perform the payment behavior, and the payment behavior is allowed at this time. When using the fund management server to obtain a bank account or a credit card account based on customer information, a customer may have multiple accounts, and a hybrid payment method may also be employed.

The processing module 303 is configured to: when the payment is allowed, freeze the credit amount corresponding to the payment amount in the first terminal account; generate an electronic commitment payment voucher, and send the electronic commitment payment voucher information to the second terminal.

Preferably, the processing module 303 further includes a freezing unit 3031, a credential generating unit 3032, and a synchronizing unit 3033, wherein:

The freezing unit 3031 is configured to freeze the amount corresponding to the payment amount in the first terminal account when the payment is allowed;

a voucher generating unit 3032, configured to generate an electronic commitment payment voucher;

The synchronization unit 3033 is configured to send the electronic commitment payment credential information to the second terminal.

In addition, the processing module 303 may further include a debiting unit configured to allocate the funds equal to the payment amount to the first fund management server after receiving the disbursement information.

It should be noted that the technical features in the second embodiment and the third embodiment of the foregoing method are applicable to the device, and are not repeated herein.

In addition, the present invention also provides a fund management server, which includes the payment device in the fourth embodiment, which will not be repeated here.

The payment device and the fund management server of the embodiment of the present invention determine whether the payment is allowed according to the credit limit of the first terminal account of the buyer by receiving the payment request information of the first terminal, and at the same time, by freezing the fund balance or the credit limit of the first terminal account. And generate electronic commitment payment vouchers, which can reduce the risk of funds and protect the interests of both buyers and sellers. In addition, by increasing the loan function, it not only facilitates the buyer, but also greatly enriches the business of banks or other institutions with credit payment capabilities.

Example eight

As shown in FIG. 8, a payment system based on different funds server is provided in a preferred embodiment of the present invention. The system includes a first terminal 10, a second terminal 20, and a fund management server 30, wherein:

The first terminal 10 includes a payment requesting module 101 configured to send payment request information to the fund management server 30, wherein the payment request information includes: merchant information, commodity information, and payment amount.

The second terminal 20 includes a voucher receiving module 201 and a voucher updating module 202, wherein the voucher receiving module 201 is configured to receive the electronic commitment payment voucher sent by the fund management server 30.

The fund management server 30 includes a receiving module 301, a determining module 302, and a processing module 303, wherein:

The receiving module 301 is configured to receive payment request information sent by the first terminal;

The determining module 302 is configured to determine whether to allow the credit commitment payment according to the first terminal account credit overdraft limit and the payment amount;

As a preferred embodiment, the determining module 302 is configured to: determine whether the credit overdraft limit of the first terminal account is greater than or equal to the payment amount, and if yes, allow payment; otherwise, further determine whether the first terminal account credit loan amount is greater than or It is equal to the payment amount. If yes, the payment is allowed. Otherwise, it is further determined whether the first terminal account fund balance is greater than or equal to the payment amount, and if so, the credit commitment is allowed to be paid.

The processing module 303 is configured to: when the credit commitment payment is allowed, freeze the credit amount or the fund amount corresponding to the payment amount in the first terminal account; generate an electronic commitment payment voucher, and send the electronic commitment payment voucher information to the second terminal.

As a preferred embodiment, the receiving module 301 of the money management server 30 is further configured to receive the settlement information; the processing module 303 further includes a payment module configured to: after receiving the payment information, transfer the amount of funds equal to the payment amount to the first The account of the second terminal.

Specifically, since the payment request information is sent by the buyer to the fund management server 30 through the operation of the first terminal 10, the payment information is objectively obtained by the first terminal 10 and authorized to pay by the bank. The fund management server 30 freezes the corresponding funds or credit line, and at the same time generates an electronic commitment payment certificate based on the payment information, and the second terminal 20 provides the corresponding goods/services according to the electronic commitment payment certificate.

A person of ordinary skill in the art can understand that all or part of the steps in implementing the above embodiments may be controlled by a program to control related hardware, and the program may be stored in a computer readable storage medium, the storage. Media, such as ROM/RAM, disk, CD, etc.

The preferred embodiments of the present invention have been described above with reference to the drawings, and are not intended to limit the scope of the invention. Any modifications, equivalent substitutions and improvements made by those skilled in the art without departing from the scope and spirit of the invention are intended to be included within the scope of the invention.

Industrial applicability

Claims

A payment system based on different funds servers, comprising at least one first terminal, at least one second terminal, a second money management server connected to the first terminal, and a first money management server connected to the second terminal, the A money management server is connected to the second money server, wherein:

The first terminal is configured to send, to the second fund management server, payment request information including at least a payment amount;

The second terminal is configured to receive an electronic commitment payment certificate sent by the second fund management server;

a second fund management server, configured to receive payment request information sent by the first terminal; compare the first terminal account credit overdraft limit and the payment amount to determine whether an electronic commitment payment voucher can be generated for payment; if so, the second fund management server Freezing the credit overdraft limit corresponding to the payment amount in the first terminal account, generating an electronic commitment payment electronic certificate of the electronic payment certificate promised by the second fund management server to cancel the payment according to the agreed condition, and the electronic commitment Sending payment voucher information to the second terminal for credit commitment payment for the first terminal;

The first money management server is configured to store the electronic payment voucher information sent by the second fund management server, and allocate the received payment amount to the second according to the electronic payment voucher information In the account of the terminal.
The payment system based on different funds server according to claim 1, wherein the fund management server is: a single physical server or a cluster server of a bank; or a single physical server or a cluster server of another institution having credit payment capability.
A network payment method based on different funds servers, the method comprising the following steps:

The second fund management server receives the payment request information sent by the first terminal, where the payment request information includes at least the payment amount;

Comparing the first terminal account credit overdraft limit and the payment amount to determine whether an electronic commitment payment certificate can be generated for credit commitment payment;

If yes, the second fund management server freezes the amount corresponding to the payment amount in the first terminal account; generates an electronic commitment payment certificate that is promised by the second fund management server to cancel the payment according to the agreed condition, and the The electronic commitment payment voucher information is sent to the second terminal for credit commitment payment for the first terminal.
The payment method based on different funds server according to claim 3, wherein the method further comprises:

The first terminal sends payment request information to the second fund management server, where the payment request information includes: customer information, merchant information, and commodity information.
The payment method based on different funds server according to claim 4, wherein the method further comprises:

After receiving the settlement information, the second fund management server transfers the amount of the payment amount to the first fund management server, and deducts the credit overdraft limit of the first terminal account and the payment amount.
The network payment method based on different funds server according to claim 4, wherein if the first terminal account credit overdraft limit is less than the payment amount, comparing the first terminal account fund balance and the payment amount to determine whether an electronic device can be generated Committed to the payment voucher to be credit committed.
The network payment method based on different funds server according to claim 4, wherein if the first terminal account credit overdraft limit is less than the payment amount, comparing the first terminal account credit loan amount and the payment amount judgment can be generated The electronic commitment payment certificate is paid by credit commitment.
The network payment method based on different funds server according to claim 4, wherein if the first terminal account credit overdraft limit is less than the payment amount, comparing the first terminal account fund balance and the payment amount to determine whether an electronic device can be generated The promised payment voucher is paid by credit promise; if not, the first terminal account credit loan amount and the payment amount are compared to determine whether an electronic promise payment voucher can be generated for credit commitment payment.
The network payment method based on different funds server according to claim 4, wherein if the first terminal account credit overdraft limit is less than the payment amount, comparing the first terminal account credit loan amount and the payment amount judgment can be generated The electronic commitment payment voucher is paid by the credit promise. If not, the balance of the first terminal account fund and the payment amount are compared to determine whether the electronic commitment payment voucher can be generated for credit commitment payment.
A payment device based on different funds servers, the device comprising a receiving module, a determining module and a processing module, wherein:

a receiving module, configured to receive payment request information sent by the first terminal, where the payment request information includes a payment amount;

The determining module is configured to determine, according to the first terminal account credit overdraft limit and the payment amount, whether to allow payment;

And a processing module, configured to: when the payment is allowed, freeze the amount corresponding to the payment amount in the first terminal account; generate an electronic commitment payment voucher, and send the electronic commitment payment voucher information to the second terminal.
The payment device according to claim 10, wherein said processing module further comprises a freezing unit, a voucher generating unit, and a synchronizing unit, wherein:

a freezing unit, configured to freeze a credit corresponding to the payment amount in the first terminal account when payment is allowed;

a voucher generating unit configured to generate an electronic commitment payment voucher;

And a synchronization unit configured to synchronize the electronic commitment payment voucher information to the second terminal.
The payment device according to claim 10, wherein the processing module further comprises a payment unit, wherein the payment unit is configured to, after receiving the payment information, transfer the funds equal to the payment amount to the first A fund management server, and deducting the amount of credit overdraft of the first terminal account and the payment amount.
A server based on a different funding server, the server comprising the payment device of any of claims 10-12.