WO2016172949A1

WO2016172949A1 - Cross-funds server-based payment system, and payment method, device and server therefor

Info

Publication number: WO2016172949A1
Application number: PCT/CN2015/078050
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: CA2987802A1

Abstract

A cross-funds management server-based payment system, and a payment method, device and server therefor, belonging to the field of e-commerce. The method comprises: a second funds management server receives payment request information sent by a client end (S202); the sum of a funds balance and a credit overdraft limit of the client end is compared with a payment amount, and it is determined whether an electronic commitment payment certificate can be opened (S203); if so determined, the second funds management server respectively freezes the funds balance and the credit overdraft limit within a client end account, the funds balance and the credit overdraft limit corresponding to the payment amount (S204); the electronic commitment payment certificate for the second funds management server to commit to pay funds according to an agreed condition is generated (S205), and the electronic commitment payment certificate is sent to a merchant end to perform a credit commitment payment on behalf of the client end. Using the method 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 cross-funding server 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 a cross-fund server 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 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 a cross-funding server 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 cross-fund server is provided, comprising at least one client, at least one merchant, and a second money management server connected to the client and a first money management connected to the merchant Server, where:

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

The merchant 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 client; compare a sum of a client fund balance and a credit overdraft limit and a payment amount, and determine whether an electronic commitment payment voucher can be generated for payment; if so, second The fund management server respectively freezes the balance of funds and the credit overdraft limit in the client account, so that the total amount of the freeze is greater than or equal to the payment amount, and generates an electronic commitment payment that the second fund management server promises to release the funds according to the agreed conditions. And voucher, and sending the electronic commitment payment voucher information to the merchant terminal for credit commitment payment for the client;

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

According to another aspect of the present invention, a method for network payment based on a cross-fund server is provided, the method comprising the steps of:

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

Comparing the sum of the client fund balance and the credit overdraft limit with the payment amount, and determining whether an electronic commitment payment voucher can be generated for payment;

If yes, the user separately freezes the balance of the funds in the client account and the credit overdraft limit, so that the total amount of the freeze is greater than or equal to the payment amount; and generates an electronic commitment payment that the second fund management server promises to release the funds according to the agreed conditions. And the voucher sends the electronic commitment payment voucher information to the merchant for credit commitment payment for the client.

According to another aspect of the present invention, a payment device based on a cross-capital server is provided, the device comprising a receiving module, a judging module and a processing module, wherein.

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

The determining module is configured to compare the sum of the client fund balance and the credit overdraft limit with the payment amount, and determine whether the electronic commitment payment certificate can be issued;

a processing module, configured to freeze the balance of the funds in the client account and the credit overdraft limit respectively, so that the total amount of the freeze is greater than or equal to the payment amount; generate an electronic commitment payment voucher, and send the electronic commitment payment voucher The information is sent to the merchant.

According to still another aspect of the present invention, there is provided a server based on a cross-fund server, the server comprising the payment device of the above technical solution.

The cross-fund server-based payment system and method, device and server thereof are provided by the fund management server for supervising the information of the buyer and the seller, and the supervision function is merged into the bank or other institution with credit payment capability; The balance of the client account and the credit overdraft limit, and generate electronic commitment payment vouchers for real-time monitoring, which can reduce the risk of funds and protect the interests of both buyers and sellers; this program makes full use of the credit center function and risk control center function of the fund management server to A more optimized credit mechanism promotes online transactions and secures transaction funds, provides a credit medium for both parties to the transaction, and reduces the risk of funds through 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

FIG. 1 is a schematic diagram of a payment system based on a cross-capital server according to Embodiment 1 of the present invention; FIG.

2 is a flowchart of a payment method based on a cross-funding server according to Embodiment 2 of the present invention;

3 is a flowchart of a payment method based on a cross-funding server according to Embodiment 3 of the present invention;

4 is a block diagram of a structure of a payment device based on a cross-funding server according to Embodiment 4 of the present invention;

FIG. 5 is a block diagram of a structure of a payment system based on a cross-funding server according to Embodiment 5 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 a cross-fund server is provided in an embodiment of the present invention. The system includes at least one client 10, at least one merchant terminal 20, and first money management servers 30 and second connected to each other. Money management server 40, wherein:

The client 10 is connected to the second money management server 40 for transmitting payment request information to the second money management server 40, wherein the payment request information includes a payment amount.

Specifically, the client 10 is applicable to a payer (buyer), including a smart device such as a mobile phone, a personal computer, a PAD, etc., and the account information of the client 10 is filled in when the user registers, and is stored in a database of the fund management service, and the client The account information of 10 includes information such as a user ID, an account bank, an account name, a bank account number, a credit limit, and the like, and may also include a customer's receipt/service address information. The payment request information is information such as filling in/confirming the receipt/service address after the user selects to purchase a specific product/service, and the client 10 generates data according to the price of the product/service and the merchant to which the product/service belongs according to a preset rule. The packet is sent to the second money management server 40. The payment request information includes at least a payment amount, and may also include merchant information and commodity information. The merchant information may directly be the merchant payment account, or may uniquely identify the information of the merchant (such as the merchant ID), and the second fund management server 40 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 merchant terminal 20 should be confidential with respect to the client 10, so the merchant information is preferably a merchant ID, and the second fund management server 40 uses the relationship between the merchant ID and the payment account to query the merchant's receipt. Account number. That is to say, the client 10 only needs to inform the second fund management server 40 which product of which merchant pays the amount of money, and the second fund management server 40 can call up the merchant's account to realize the payment.

The merchant terminal 20 is connected to the first fund management server 30 for receiving the electronic commitment payment certificate sent by the second fund management server 40.

Specifically, the merchant terminal 20 is applicable to a payee (seller), and the merchant 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 user opens the account and is stored in the database of the fund management server. 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 and the like. After receiving the electronic commitment payment voucher sent by the second fund management server 40, the merchant terminal 20 transmits the designated product delivery destination by extracting the product information and the receipt information in the electronic commitment payment voucher information.

The second fund management server 40 is configured to receive the payment request information sent by the client 10, compare the fund balance of the client 10 and the credit overdraft limit with the payment amount, and determine whether the electronic commitment payment certificate can be issued; if the payment is allowed, Then, the fund balance corresponding to the payment amount in the client account and the credit overdraft limit are frozen, and an electronic commitment payment voucher that is promised by the second fund management server 40 to cancel the payment according to the agreed condition is generated, and the electronic commitment payment voucher information is sent to the merchant. 20.

Specifically, after receiving the data packet of the payment request information, the second fund management server 40 parses according to a preset rule to obtain related payment information, and the related payment information includes, but is not limited to, necessary information such as merchant information, product information, and payment amount. , which product of which merchant pays which amount. The second fund management server 40 queries whether the sum of the bank fund balance and the credit overdraft limit of the client account is sufficient for the current settlement. If the balance is insufficient, the current payment is terminated. If sufficient, the corresponding fund balance and the credit overdraft limit are respectively frozen. Therefore, the total amount of the freeze is greater than or equal to the payment amount, and the transaction is completed after the merchant confirms the delivery or the customer confirms the receipt.

It can be understood that the corresponding fund balance and credit overdraft limit for freezing the payment amount respectively include the following situations:

1. Only the balance of funds in the client account is frozen, so that the total amount of the freeze is greater than or equal to the amount of the payment.

2. Only freeze the credit overdraft limit so that the total amount of the freeze is greater than or equal to the payment amount.

3. The balance of funds and the credit overdraft limit in some client accounts are frozen separately, so that the total amount of the freeze is greater than or equal to the payment amount.

Specifically, the second fund management server 40 may further determine whether the bank transfer operation is based on the status of the electronic commitment payment voucher information, that is, the request for payment is only the frozen fund balance and the credit overdraft limit, and the withdrawal and deduction of the credit overdraft are confirmed after the receipt of the receipt. Amount.

In this embodiment, the second money management server 40 can also be connected to multiple clients 10 and through the Internet at the same time. The first money management server 30 can also be connected to a plurality of merchant terminals 20 and via the Internet at the same time. That is, the server where the merchant 20 account is located is not on the same server as the server where the client 10 is located. The second fund management server 40 and the first money management server 30 may be a single server in a physical sense, or may be multiple servers in a physical sense, such as multiple physical servers working in parallel, and automatically allocated according to different traffic volumes. The resources of the server together realize the management of funds. The second money management server 40 and the first money management server 30 include, but are not limited to, servers in organizations such as banks, businesses, and the like. In practical applications, it can be understood as a cluster fund management server of the same bank, but it is not limited to banks. It can also be used by other institutions that can support the flow of funds in the Internet, or other institutions with credit payment capabilities. Third party agency. The fund management server supervises the information of buyers and sellers, and integrates the supervision functions into banks or other institutions with credit payment capabilities.

Embodiment 2

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

S201. The client 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 client 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 merchant side should be confidential with respect to the client, 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. That is to say, the client 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 payment request information sent by the client.

S203. Query the sum of the fund balance of the client account and the credit overdraft limit, and compare the sum of the fund balance and the credit overdraft limit with the payment amount. If it is greater than or equal to, the description is sufficient. If it is less than, the description is insufficient. When the fund balance and the credit overdraft limit are sufficient, step S204 is performed, otherwise, the payment is not made;

S204. The second fund management server respectively freezes the fund balance corresponding to the payment amount in the client account and the credit overdraft limit; it can be understood that the corresponding fund balance and the credit overdraft limit of the frozen payment amount respectively include the following situations:

3. Freeze the balance of funds and the credit overdraft limit in some client accounts, so that the total amount of the freeze is greater than or equal to the payment amount.

S205. 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 merchant terminal;

Specifically, since the payment request information is sent by the buyer to the second fund management server through the client 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, and generates an electronic commitment payment certificate according to the payment information, and the merchant provides the corresponding goods/services according to the electronic commitment payment certificate.

S206. The second funds server sends the electronic commitment payment certificate to the merchant end, and synchronizes to the first fund management server. Specifically, this step sends the generated electronic voucher information to the client or the merchant for subsequent tracking.

S207. The second fund management server receives the settlement information.

S208. The second fund management server transfers the funds corresponding to the frozen quota to the first fund management server.

S209. The first fund management server allocates the received payment amount to the account of the merchant.

The payment method provided by the embodiment of the present invention receives the payment request information of the client through the second fund management server, determines whether the payment is allowed according to the balance of the client account fund balance and the credit overdraft limit, and simultaneously freezes the balance of the funds in the client account. And the credit overdraft limit, and the generation of electronic commitment payment vouchers for real-time monitoring, 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 for a fund balance and a credit overdraft limit provided by a preferred embodiment of the present invention is applied to the cross-fund server-based payment system shown in FIG. 1, and the method includes the following steps:

S301. The client sends payment request information to the second fund management server, where the payment request information includes at least a payment amount.

The payment request information is composed of a plurality of data packets, and at least includes merchant information, commodity information, and payment amount. It can also include client information such as customer IDs. 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 merchant side should be confidential with respect to the client, 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 client only needs to inform the merchant management server which merchant to pay for which commodity, and the fund management server can call the merchant's account to implement the corresponding payment operation.

The manner in which the client sends the payment request information to the second money management server may be performed in an existing manner, such as by using a digital signature or a digital envelope. A digital signature is data obtained by a user encrypting a hash digest of the original data with his or her private key. The information receiver obtains the hash digest after decrypting the digital signature attached to the original information using the public key of the information sender, and can confirm whether the original information is obtained by comparing with the hash sum generated by the original data received by the user. Was tampered with. This ensures the non-repudiation of data transmission. Digital envelopes use cryptographic techniques to ensure that only the intended recipient can read the content of the message. A single key cryptosystem and a public key cryptosystem are used in the digital envelope. The sender of the information first encrypts the information by using a randomly generated symmetric cipher, and then encrypts the symmetric cipher with the public key of the recipient. The symmetric cipher encrypted by the public key is called a digital envelope. When transmitting information, when the information receiver wants to decrypt the information, it must first decrypt the digital envelope with its own private key to obtain a symmetric password, in order to use the symmetric password to decrypt the obtained information. This ensures the authenticity and integrity of the data transmission.

S302. The fund management server receives the payment request information sent by the client.

S303. Query the sum of the fund balance of the client account and the credit overdraft limit, and compare the sum of the fund balance and the credit overdraft limit with the payment amount. If it is greater than or equal to, the description is sufficient. If it is less than, the description is insufficient. When the fund balance and the credit overdraft limit are sufficient, step S305 is performed; otherwise, step S304 is performed;

S304, asking the client whether to issue a credit loan amount; if the credit amount is required to be credited, proceeding to step S305, otherwise ending the process;

S305. Determine whether the credit loan amount is sufficient; the sufficient amount here can be understood to have several situations:

1. If the sum of the original fund balance and the credit overdraft limit and the partial credit loan amount in the client account is greater than or equal to the amount of the payment amount, the credit loan amount is considered sufficient, and vice versa;

2. When the credit line of the credit is greater than or equal to the amount of the payment amount, the credit line is considered to be sufficient, and vice versa.

Specifically, the credit loan amount may be the amount specified by the client, or may be the default amount for the current payment. For example, when the price of a commodity selected by the customer is 1,500 yuan (payment amount), if the balance of the funds in the customer account and the credit overdraft limit is only 900 yuan, then the credit line of the credit is required to be 600 yuan, in order to reach the allowable payment standard. Make payment behavior. Of course, it is also feasible to use another method, such as directly applying for a credit line of 1,500 yuan for payment.

S306. The second fund management server freezes the balance of the funds in the client account and the credit overdraft limit and the credit loan amount respectively, so that the total amount of the freeze is greater than or equal to the payment amount, and may be specifically classified into the following forms:

2. Only freeze the credit line of the credit, so that the total amount of the freeze is greater than or equal to the amount of the payment.

3. Only freeze the credit overdraft limit so that the total amount of the freeze is greater than or equal to the payment amount.

4. Freeze part of the fund balance and part of the credit loan amount in some client accounts, so that the total amount of the freeze is greater than or equal to the payment amount.

5. Freeze part of the fund balance and part of the credit overdraft limit in the client account, so that the total amount of the freeze is greater than or equal to the payment amount.

6. Freeze part of the credit loan quota and part of the credit overdraft limit in some client accounts, so that the total amount of the freeze is greater than or equal to the payment amount.

7. Freeze the credit overdraft limit and the credit loan amount and the fund balance in some client accounts, so that the total amount of the freeze is greater than or equal to the payment amount.

S307. 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 client operation, the payment information is objectively confirmed by the customer and authorized to be paid by the bank. The second fund management server respectively freezes the corresponding fund balance or the credit overdraft limit or the credit loan amount, and generates an electronic commitment payment certificate according to the payment information, and the merchant provides the corresponding goods/services according to the electronic commitment payment certificate.

S308. The second funds server sends the electronic commitment payment certificate to the merchant terminal and the first fund management server, so as to facilitate subsequent tracking.

S309. The second fund management server receives the settlement information. It should be noted that, in this step S408, the merchant sends and receives the settlement information to the fund management server, which is merely an example. In actual application, the client and the logistics may also be used. The server or other entity capable of knowing the delivery status sends the settlement information to the money management server.

S310. The second fund management server transfers the funds corresponding to the frozen quota to the first fund management server. It can be understood that according to different freezing modes in the step S306, there is a corresponding matching fund transfer plan, and the corresponding funds are allocated. Go to the account of the merchant.

S311. The first fund management server allocates the received payment amount to the account of the merchant.

Finally, the process ends.

According to the embodiment of the present invention, on the basis of the second embodiment, by increasing the credit loan quota function, the buyer is not only convenient, but also greatly enriches the business of the bank or other institutions with credit payment capabilities; The electronic commitment payment vouchers are tracked synchronously, and the trajectory of the goods and the trajectory of the funds are effectively combined, so that the interests of both buyers and sellers can be effectively protected.

Embodiment 4

As shown in FIG. 4, 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 client, 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 client 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 the specific application, the account information of the merchant side should be kept secret relative to the client, so the merchant information is preferably the merchant ID, that is, the client only needs to inform the fund management server which merchant to pay for which commodity, which is adjusted by the device. The account of the merchant is implemented to perform the corresponding payment operation.

The determining module 302 is configured to determine whether to allow payment according to the client fund balance and the credit overdraft limit and the payment amount.

As a preferred solution, the determining module 302 is specifically configured to: query the account balance of the client and the credit overdraft limit; determine whether the fund balance of the client account and the credit overdraft limit are greater than or equal to the payment amount, and if yes, allow payment . In this way, the payment ability of the sum of the account fund balance and the credit overdraft limit is first determined, and the account fund balance and the credit overdraft payment method are preferentially used, thereby saving the payment cycle and protecting the interests of the merchant. The bank account or the credit card account of the client may be the client notifying the device in the payment request information, or the device may query the database according to the client information, and obtain the corresponding account fund balance and the credit overdraft limit. Only when the client's fund balance and credit overdraft limit are greater than or equal to the payment amount, indicates that the customer has the ability to perform payment behavior, and the payment behavior is allowed at this time.

As another preferred embodiment, the determining module 302 is further configured to: when the sum of the fund balance of the client account and the credit overdraft limit is less than the payment amount, ask the client whether the credit loan quota needs to be issued; if the credit amount is required, The credit line is issued to the client account to allow the payment; if not, the payment is terminated. In this way, it not only facilitates the buyer, but also enriches the business of banks or other institutions with credit payment capabilities. 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. For example, when the price of a commodity selected by the customer is 1,500 yuan (payment amount), the sum of the fund balance and the credit overdraft limit is only 900 yuan, then the customer can use the payment amount of 900 yuan, and the payment behavior cannot be implemented. If there is still a loan line of 600 yuan in the client account, the application of the credit line of 600 yuan, the use of 1,500 yuan, you can implement the payment.

The processing module 303 is configured to, when the payment is allowed, freeze the balance of the funds in the client account and the credit overdraft limit and the credit loan amount respectively, so that the total amount of the freeze is greater than or equal to the payment amount; generate an electronic commitment payment certificate, and pay the electronic promise The voucher information is sent to the merchant.

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 balance of the funds in the client account and the credit overdraft limit and the credit loan amount respectively when the payment is allowed, so that the total amount of the freeze is greater than or equal to the payment amount;

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 voucher information to the merchant.

In addition, the processing module 303 may further include a debiting unit configured to: after receiving the dissolving information, synchronize the dissolving information to the client or the merchant, and transfer the frozen corresponding funds to the merchant account where the first funds server is located. Inside.

It should be noted that the technical features of the foregoing method embodiment 2 and the third embodiment 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 server of the embodiment of the present invention determine whether to allow payment according to the balance of the buyer's funds and the credit overdraft limit by receiving the payment request information of the client, and simultaneously freeze the funds of the client account and the credit overdraft limit respectively, so that the total amount of the freeze is greater than Or equal to the payment amount, and generate electronic commitment payment vouchers for real-time monitoring, which can reduce the risk of funds and protect the interests of both buyers and sellers. In addition, by increasing the credit loan quota function, it not only facilitates the buyer, but also greatly enriches the business of banks or other institutions with credit payment capabilities.

Embodiment 5

As shown in FIG. 5, a cross-fund server-based payment system provided by a preferred embodiment of the present invention includes a client 10, a merchant 20, and a second fund management server 40 connected to the client 10, and a merchant The first fund management server 30 connected to the terminal 20, wherein:

The client 10, including the payment request module 101, is configured to send payment request information to the second fund management server 40, wherein the payment request information includes: merchant information, commodity information, and payment amount.

The merchant 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 second fund management server 40.

The second money management server 40 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 client.

The determining module 302 is configured to compare the sum of the client fund balance and the credit overdraft limit and the payment amount, and determine whether the electronic commitment payment voucher can be issued;

As a preferred embodiment, the determining module 302 is configured to: determine whether the fund balance of the client account and the credit overdraft limit are greater than or equal to the payment amount, and if yes, allow payment; otherwise, further determine whether the loan balance of the client account is greater than Or equal to the payment amount, and if so, the payment is allowed.

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

As a preferred embodiment, the receiving module 301 of the second money management server 40 is further configured to receive the settlement information; the processing module 303 further includes a payment module configured to synchronize the settlement information to the client after receiving the cancellation information. End or merchant, and transfer the frozen funds to the account of the merchant.

Specifically, since the payment request information is sent by the buyer to the second fund management server 40 through the operation of the client 10, the payment information is objectively confirmed by the client 10 and authorized to be paid by the bank. The second fund management server 40 respectively freezes the corresponding fund balance and the credit overdraft limit, and generates an electronic commitment payment certificate according to the payment information, and the electronic commitment payment voucher information includes but is not limited to the commodity information and the payment amount (freezing funds or credit overdraft limit). Or credit line of credit, delivery address and expiration date, the form is not limited to text, pictures, graphic code, etc. The electronic voucher serves as a voucher for receiving funds from the merchant terminal 20, and the merchant terminal 20 provides corresponding goods/services according to the electronic commitment payment voucher.

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 a cross-fund server includes at least one client, at least one merchant, and a second fund management server connected to the client and a first money management server connected to the merchant, wherein:

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

The merchant 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 client; compare a sum of a client fund balance and a credit overdraft limit and a payment amount, and determine whether an electronic commitment payment voucher can be generated for payment; if so, second The fund management server respectively freezes the balance of funds and the credit overdraft limit in the client account, so that the total amount of the freeze is greater than or equal to the payment amount, and generates an electronic commitment payment that the second fund management server promises to release the funds according to the agreed conditions. And voucher, and sending the electronic commitment payment voucher information to the merchant terminal for credit commitment payment for the client;

The first fund management server is configured to store the electronic commitment payment voucher information sent by the second fund management server, and allocate the received payment amount to the In the account of the merchant.
The cross-fund server-based payment system 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 capabilities.
A network payment method based on a cross-fund server, the method comprising the following steps:

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

Comparing the sum of the client fund balance and the credit overdraft limit with the payment amount, and determining whether an electronic commitment payment voucher can be generated for payment;

If yes, the user separately freezes the balance of the funds in the client account and the credit overdraft limit, so that the total amount of the freeze is greater than or equal to the payment amount; and generates an electronic commitment payment that the second fund management server promises to release the funds according to the agreed conditions. And the voucher sends the electronic commitment payment voucher information to the merchant for credit commitment payment for the client.
The cross-fund server-based payment method according to claim 3, wherein the method further comprises:

When the sum of the fund balance of the client account and the credit overdraft limit is less than the payment amount, the client is asked whether the credit loan quota needs to be issued; if the credit loan quota is required, the full credit loan quota is issued to the client account, and the determination is made. Payment is allowed, and if the credit line is not required, the payment is terminated.
The cross-fund server-based payment method according to claim 3 or 4, wherein the method further comprises:

The client sends payment request information to the second fund management server, wherein the payment request information includes: customer information, merchant information, and commodity information.
The cross-fund server-based payment method according to claim 3 or 4, wherein the method further comprises:

After receiving the settlement information, the second fund management server synchronizes the settlement information to the client or the merchant, and transfers the frozen funds to the merchant account connected to the first fund management server. .
A payment device based on a cross-funding server, 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 client, where the payment request information includes a payment amount;

The determining module is configured to compare the sum of the client fund balance and the credit overdraft limit with the payment amount, and determine whether the electronic commitment payment certificate can be issued;

a processing module, configured to freeze the balance of the funds in the client account and the credit overdraft limit respectively, so that the total amount of the freeze is greater than or equal to the payment amount; generate an electronic commitment payment voucher, and send the electronic commitment payment voucher The information is sent to the merchant.
The cross-fund server-based payment device of claim 7, wherein the processing module further comprises a freezing unit, a credential generating unit, and a synchronizing unit, wherein:

The freezing unit is configured to freeze the balance of the funds in the client account and the credit overdraft limit when the payment is allowed, so that the total amount of the freeze is greater than or equal to the payment amount;

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

The synchronization unit is configured to send the electronic commitment payment voucher information to the merchant.
The cross-fund server-based payment device according to claim 8, wherein the processing module further comprises a debiting unit configured to synchronize the dissolving information to the client or after receiving the dissolving information The merchant side transfers the frozen funds to the account of the merchant.
A server based on a cross-funding server, the server comprising the payment device of any one of claims 7-8.