WO2016173034A1

WO2016173034A1 - Payment system based on shared funds-management server, and method, device and server therefor

Info

Publication number: WO2016173034A1
Application number: PCT/CN2015/080046
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: 2015-05-28
Publication date: 2016-11-03
Also published as: CN106203980A; CA2986838A1

Abstract

Disclosed are a payment system based on a shared funds-management server, and a method, device and server therefor, belonging to the field of e-commerce. The method comprises: a funds-management server receiving payment request information sent by a client end; comparing a funds balance or a credit overdraft limit or a credit loan limit of the client end with a payment amount to determine whether an electronic commitment payment certificate can be created; if yes, the funds-management server respectively freezing the funds balance within the client end account, the funds balance 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 merchant end to make a credit commitment payment on behalf of the client end. 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 and method, device and server based on same fund management server

【技术领域】[Technical Field]

The present invention relates to the field of electronic commerce, and in particular, to a payment system, method, device, and server based on the same fund management server.

【背景技术】【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 existing funds in the debit card or the credit line in the credit card are transferred to a third party institution for guarantee. The payment method is relatively simple, and the following situations often occur: the customer has not received the merchant. The goods or services provided have been paid by the bank or a third party to the merchant; or after the merchant provides the goods or services, the customer has been unable to pay the corresponding funds. It can be seen that at this stage, a payment system, method, device and server based on the same fund management server are needed to reduce the risk of user funds and protect the interests of both buyers and sellers.

【发明内容】 [Summary of the Invention]

In view of this, the technical problem to be solved by the present invention is to provide a payment system, method, device and server based on the same fund management server, 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:

A payment system based on the same fund management server, comprising at least one client, at least one merchant terminal, and a fund management server, wherein the fund management server is respectively connected to the client and the merchant, wherein:

The client, configured to send, to the 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 fund management server;

a fund management server, configured to receive payment request information sent by the client; compare a client fund balance and a payment amount, and determine whether an electronic commitment payment certificate can be generated for payment; if so, the fund management server freezes the client account And the funds corresponding to the payment amount, generating an electronic commitment payment certificate that is promised by the fund management server to cancel the payment according to the agreed condition, and sending the electronic commitment payment voucher information to the merchant terminal for crediting the client Committed to pay.

According to another aspect of the present invention, a network payment method based on the same money management server is provided, the method comprising the steps of:

The 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 client fund balance and the payment amount and determining whether an electronic commitment payment voucher can be generated for payment;

If so, the fund management server freezes the funds corresponding to the payment amount in the client account; generates an electronic commitment payment voucher that is promised by the fund management server to release the funds according to the agreed conditions, and the electronic commitment The payment voucher information is sent to the merchant for credit commitment payment for the client.

According to still another aspect of the present invention, a payment device based on the same fund management 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 client, where the payment request information includes a payment amount;

The determining module is configured to determine whether to allow payment according to the client fund balance, the credit overdraft balance or the credit loan balance, and the payment amount;

a processing module, configured to: when the payment is allowed, freeze the funds corresponding to the payment amount or the credit overdraft limit or the credit loan amount in the client account; generate an electronic commitment payment voucher, and send the electronic commitment payment voucher information to Merchant side.

A server based on the same money management server, the server comprising the payment device of any of the preceding claims.

The payment system, method, device and server based on the same fund management server provided by the invention supervise the information of the buyer and the seller through the fund management server, and merge the supervision function into the bank or other institution with credit payment capability; The account fund or credit overdraft limit or credit loan quota of the client account can reduce the risk of funds and protect the interests of both buyers and sellers; this program makes full use of the risk control center function of the credit management center of the fund management server to promote the credit mechanism with more optimization. The security of online transactions and guaranteed transaction funds provides a credit medium for both parties to the transaction. It also reduces the risk of funds through the supervision of funds and protects 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.

【附图说明】 [Description of the Drawings]

1 is a schematic diagram of a payment system based on the same fund management server according to Embodiment 1 of the present invention;

2 is a flowchart of a payment method based on the same fund management server according to Embodiment 2 of the present invention;

3 is a flowchart of a payment method based on the same fund management server according to Embodiment 3 of the present invention;

4 is a flowchart of a payment method based on the same fund management server according to Embodiment 4 of the present invention;

5 is a flowchart of a payment method based on the same fund management server according to Embodiment 5 of the present invention;

6 is a flowchart of a payment method based on the same fund management server according to Embodiment 6 of the present invention;

7 is a block diagram showing the structure of a payment device based on the same fund management server according to Embodiment 7 of the present invention;

FIG. 8 is a block diagram showing the structure of a payment system based on the same fund management server according to Embodiment 8 of the present invention.

【具体实施方式】【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 the same fund management 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 a fund management server 30. The fund management server 30 and the client respectively Terminal 10 is connected to merchant terminal 20, wherein:

The client 10 is connected to the fund management server 30 for transmitting payment request information to the fund management server 30, 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 the fund management server, and the account of the client 10 The information includes information such as user ID, bank account, account name, bank account number, credit limit, etc., and may also include 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 fund management server 30. 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 merchant information (such as the merchant ID), and the fund management server 30 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 fund management server 30 uses the relationship between the merchant ID and the payment account to query the merchant's payment account. . That is to say, the client 10 only needs to inform the merchant management server 30 which merchant to pay for which merchandise, and the fund management server 30 can call the merchant's account to realize the payment.

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

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 and/or the information center 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. .

The fund management server 30 is configured to receive the payment request information sent by the client 10; determine whether the payment is allowed according to the credit overdraft limit, the fund balance, the credit loan amount, and the payment amount of the client 10; if the payment is allowed, the client account is frozen. The credit amount or the fund balance corresponding to the payment amount generates an electronic commitment payment voucher that is promised by the fund management server to cancel the payment according to the agreed condition, and sends the electronic commitment payment voucher information to the merchant terminal 20.

Specifically, after receiving the data packet of the payment request information, the fund management server 30 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, that is, Which merchant's product is paid for which product.

Specifically, both the client 10 and the merchant 20 can obtain the electronic commitment payment credential information from the fund management server 30 through the Internet for subsequent processing, such as using the data to perform the correctness of the two-channel verification information. The fund management server 30 can further determine whether the payment operation is based on the status of the electronic commitment payment voucher information, that is, the request payment is only to freeze the funds, and the withdrawal operation is performed after the receipt is confirmed.

In this embodiment, the same fund management server 30 can also be connected to the plurality of clients 10 and the plurality of merchant terminals 20 via the Internet at the same time. That is, the server where the merchant 20 account is located and the server where the client 10 is located are both the same fund management server 30. The same fund management server 30 can be a single server in a physical sense, or can be multiple servers in a 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 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 the same fund management server according to an embodiment of the present invention is applied to a fund management server, and the method includes the following steps:

S101. The fund management server 30 receives the payment request information sent by the client, and the payment request information includes at least the payment amount.

Specifically, the payment request information received by the 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 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.

S102. Compare the client fund balance and the payment amount to determine whether the electronic commitment payment certificate can be generated for payment, and if the payment is allowed, the payment is terminated.

The step further includes: the fund management server querying the balance of the account fund of the client from the database; determining whether the balance of the fund is greater than or equal to the payment amount; if yes, allowing the payment; otherwise, terminating the payment. The bank account of the client may be that the client informs the fund management server in the payment request information, or the fund management server may query the database according to the client ID, thereby obtaining the balance of the corresponding account fund. Only when the account balance of the client is greater than or equal to the payment amount, indicates that the customer has the ability to pay, and the payment behavior is allowed at this time. Priority is given to the payment of the balance of the account funds, which can save the payment cycle and protect the interests of the merchants.

S103. The fund management server freezes funds corresponding to the payment amount in the client account;

Specifically, when the account fund balance is sufficient to pay, the amount of funds corresponding to the payment amount in the bank account is frozen. This step only freezes the payment amount 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 sent by the client, the merchant or the logistics company. After the information confirmation delivery is completed, the fund management server will transfer the thawed funds to the merchant account after receiving the payment information.

S104. The fund management server generates an electronic commitment payment voucher;

Specifically, since the payment request information is sent by the buyer to the 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 fund management server freezes the corresponding funds or credit quotas, and generates electronic commitment payment vouchers according to the payment information. The electronic commitment payment vouchers information includes but is not limited to commodity information, payment amount (frozen funds), delivery address and expiration date, and the form is not limited. Text, pictures, graphic codes, etc. The electronic voucher serves as a voucher for receiving funds from the merchant, and the merchant provides corresponding goods/services according to the electronic commitment payment voucher.

S105. Send an electronic commitment payment certificate to the merchant to make a credit commitment payment for the client.

According to the payment method of the same fund management server, the fund management server receives the payment request information of the client through the fund management server, determines whether the payment is allowed according to the balance of the account fund of the buyer, and freezes the payment amount of the client account, and generates Electronic commitment to payment vouchers can reduce the risk of funds and protect the interests of both buyers and sellers.

S106. The fund management server receives the settlement information.

The fund management server receives and judges whether the settlement information conforms to the agreed settlement fund condition.

S107. If the payment information meets the agreed payment fund condition, the fund management server transfers the funds to the account of the merchant.

S113. End the process.

Embodiment 3

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

S201. The fund management server 30 receives the payment request information sent by the client, and the payment request information includes a payment amount.

S203, querying the balance of the funds of the client account is sufficient, if not, step S204 is performed, otherwise step S207 is performed;

S204: Query whether the credit overdraft limit of the client account is sufficient, and if not, terminate the payment, otherwise step S207 is performed;

Specifically, when the account fund balance is sufficient to pay, the funds corresponding to the payment amount in the bank account are frozen, and when the account fund balance is insufficient to pay, and the credit overdraft limit is sufficient to pay, the credit overdraft amount corresponding to the payment amount in the bank account is frozen. This step only freezes the payment amount 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 sent by the client, the merchant or the logistics company. After the information confirmation delivery is completed, the fund management server will transfer the thawed funds to the merchant account after receiving the payment information.

S207. Freeze the funds corresponding to the payment amount in the client account or the credit overdraft limit;

S208. Generate an electronic commitment payment voucher;

S209. Send the electronic commitment payment voucher information to the merchant terminal;

S210. The merchant sends and receives the settlement information to the fund management server.

It should be noted that, in this step S210, the merchant sends and receives the settlement information to the fund management server, which is merely an example. In an actual application, the client, the logistics server, or other entity capable of obtaining the delivery status may also manage the funds. The server sends the settlement information.

Specifically, the fund management server can immediately know the circulation status of the goods from the updated electronic commitment payment voucher information, and when the goods/services are delivered, the frozen funds can be transferred to the merchant's account.

S211. Transfer the frozen funds to the account of the merchant.

S213, the process ends.

The payment method of the fund balance or the credit overdraft limit of the embodiment of the present invention receives the payment request information of the client through the fund management server, determines whether the payment is allowed according to the balance of the buyer's fund and the credit overdraft balance, and simultaneously freezes the funds or credit of the client account. Overdraft quotas and the generation of electronic commitment payment vouchers can reduce the risk of funds and protect the interests of both buyers and sellers.

Embodiment 4

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

S203, query whether the balance of the client account is sufficient, if not, step S205 is performed, otherwise step S207 is performed;

S205. Query whether the credit loan amount of the client account is sufficient, and if not, terminate the payment, otherwise step S207 is performed;

Specifically, when the account fund balance is sufficient to pay, the funds corresponding to the payment amount in the bank account are frozen, and when the account fund balance is insufficient to pay, and the credit loan amount is sufficient to pay, the credit loan amount corresponding to the payment amount in the bank account is frozen. This step only freezes the payment amount 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 sent by the client, the merchant or the logistics company. After the information confirmation delivery is completed, the fund management server will transfer the unfrozen funds or the funds equivalent to the credit loan amount to the merchant account after receiving the payment information.

S207. Freeze the funds corresponding to the payment amount in the client account or the credit line of the credit;

S208. Generate an electronic commitment payment voucher;

S211. Transfer the frozen funds to the account of the merchant.

S213, the process ends.

The payment method based on the frozen fund balance or the credit loan balance according to the embodiment of the present invention receives the payment request information of the client through the fund management server, determines whether the payment is allowed according to the balance of the buyer's fund and the credit of the credit, and simultaneously freezes the payment of the client account. The amount of funds corresponding to the amount and the credit line, and generate 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 the same fund management server provided in this embodiment is applied to a fund management server, and the method includes the following steps:

S201. The client sends payment request information to the fund management server, where the payment request information includes a payment amount, and the fund management server receives the payment request information sent by the client.

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 fund management server can 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.

S204, query the credit account overdraft quota of the client account is sufficient, if not, step S205 is performed, otherwise step S207 is performed;

S207. Freeze the funds corresponding to the payment amount in the client account or the credit overdraft limit or credit line credit amount;

S208. Generate an electronic commitment payment voucher;

S211. Transfer the frozen funds to the account of the merchant.

S213, the process ends.

According to the embodiment of the present invention, on the basis of the third embodiment, by increasing the optional function of the credit loan quota, the buyer is not only convenient, but also greatly enriches the loan business of the bank or other third party institutions; The effective combination of the trajectories makes the interests of both buyers and sellers effectively protected.

Embodiment 6

As shown in FIG. 6, the payment method based on the same fund management server provided in this embodiment is applied to a fund management server, and the method includes the following steps:

S204, querying the credit account credit of the client account is sufficient, if not, step S204 is performed, otherwise step S207 is performed;

S205: Query whether the credit overdraft limit of the client account is sufficient, and if not, terminate the payment, otherwise step S207 is performed;

S208. Generate an electronic commitment payment voucher;

S211. Transfer the frozen funds to the account of the merchant.

S213, the process ends.

According to the embodiment of the present invention, on the basis of the third embodiment, by increasing the optional function of the credit overdraft limit, the buyer is not only convenient, but also greatly enriches the credit overdraft business of the bank or other institutions; The effective combination of the flow of funds makes the interests of both buyers and sellers effectively protected.

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 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, the credit overdraft balance or the credit loan balance and the payment amount.

As a preferred solution, the determining module 302 is specifically configured to: query the account fund balance of the client; determine whether the fund balance of the client account is greater than or equal to the payment amount, and if yes, allow payment; otherwise, further determine the client account. Whether the credit overdraft balance is greater than or equal to the payment amount, if yes, the payment is allowed; otherwise, it is further determined whether the account fund credit balance is greater than the payment amount, and if so, the payment is allowed, otherwise payment is not allowed. In this way, the account fund balance, the credit overdraft balance and the credit loan balance payment ability are determined in turn, and the payment of the account fund balance is preferentially used, which can save the payment cycle and protect the interests of the merchant. The bank account of the client may be that the client informs 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, credit balance and loan balance. Only when the client's fund balance is greater than or equal to the payment amount, indicates that the customer has the ability to make payment behavior, and then the payment behavior is allowed. 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 funds or 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.

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 client 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 voucher information to the merchant.

In addition, the processing module 303 may further include a debiting unit configured to allocate the frozen funds to the account of the merchant 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 server of the embodiment of the present invention determine whether to allow payment according to the buyer's fund balance, the credit limit and the loan amount by receiving the payment request information of the client, and simultaneously freeze the payment amount of the client account and generate an electronic commitment payment certificate. Real-time monitoring can reduce the risk of capital 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 the same fund management server is provided in a preferred embodiment of the present invention. The system includes a client 10, a merchant terminal 20, and a fund management server 30, wherein:

The client 10, including the payment request module 101, is 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 merchant terminal 20 includes a voucher receiving module 201 and a settlement information transmitting 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 client.

The determining module 302 is configured to determine whether to allow payment according to the client fund balance and the payment amount;

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

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 transfer the frozen funds to the account of the merchant after receiving the cancellation information. .

Specifically, since the payment request information is sent by the buyer to the fund management server 30 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 fund management server 30 freezes the corresponding funds or credits, and at the same time generates an electronic commitment payment voucher based on the payment information, and the merchant 20 provides the 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.

Claims

a payment system based on the same fund management server, comprising at least one client, at least one merchant terminal, and a fund management server, wherein the fund management server is respectively connected to the client and the merchant, wherein:

The client, configured to send, to the 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 fund management server;

a fund management server, configured to receive payment request information sent by the client; compare a client account fund balance and a payment amount, and determine whether an electronic commitment payment certificate can be generated for payment; if so, the fund management server freezes the client account The funds corresponding to the payment amount are generated, and an electronic commitment payment certificate that is promised by the fund management server to cancel the payment according to the agreed condition is generated, and the electronic commitment payment voucher information is sent to the merchant terminal for crediting the client Committed to pay.
The payment system based on the same fund management 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 payment method based on the same fund management server, the method comprising the following steps:

The 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 client account fund balance and the payment amount and determining whether an electronic commitment payment certificate can be generated for payment;

If yes, the fund management server freezes funds corresponding to the payment amount in the client account; generates an electronic commitment payment voucher that is promised by the fund management server to cancel the payment according to the agreed condition, and the electronic commitment payment voucher information Send to the merchant to make a credit commitment payment for the client.
The payment method based on the same fund management server according to claim 3, wherein if the client account fund balance is less than the payment amount, comparing the client account credit overdraft limit and the payment amount and determining whether the electronic commitment payment certificate can be generated Credit promises to pay.
The payment method based on the same fund management server according to claim 4, wherein if the client account credit overdraft limit is less than the payment amount, comparing the client account credit loan amount and the payment amount and determining whether the electronic commitment payment certificate can be generated Credit commitments are paid.
The payment method based on the same fund management server according to claim 3, wherein if the client account fund balance is less than the payment amount, comparing the client account credit loan amount and the payment amount and determining whether the electronic commitment payment certificate can be generated Credit promises to pay.
The payment method of the same fund management server according to claim 6, wherein if the client account credit loan amount is less than the payment amount, comparing the client account credit overdraft limit and the payment amount and determining whether the electronic commitment payment certificate can be generated Credit promises to pay.
The payment method based on the same fund management server according to claim 7, wherein the method further comprises:

The client sends payment request information to the fund management server, wherein the payment request information includes: customer information, merchant information, and commodity information.
The payment method based on the same fund management server according to claim 8 , wherein the method further comprises:

After receiving the settlement information, the fund management server transfers the frozen funds to the account of the merchant.
A payment device based on the same fund management 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 determine whether to allow payment according to the client account fund balance, the credit overdraft balance or the credit loan balance, and the payment amount;

a processing module, configured to: when the payment is allowed, freeze the funds corresponding to the payment amount or the credit overdraft limit or the credit loan amount in the client account; generate an electronic commitment payment voucher, and send the electronic commitment payment voucher information to Merchant side.
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 fund or a credit overdraft limit or a credit loan amount corresponding to the payment amount in the client account when the payment is allowed;

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 payment device according to claim 11, wherein said processing module further comprises a payment unit, said payment unit being arranged to transfer the funds of said payment amount to an account of said merchant after receiving the payment information .
A server based on the same money management server, the server comprising the payment device of any of claims 10-12.