WO2016173036A1 - 基于不同资金管理服务器的支付系统及方法、装置、服务器 - Google Patents

基于不同资金管理服务器的支付系统及方法、装置、服务器 Download PDF

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Publication number
WO2016173036A1
WO2016173036A1 PCT/CN2015/080050 CN2015080050W WO2016173036A1 WO 2016173036 A1 WO2016173036 A1 WO 2016173036A1 CN 2015080050 W CN2015080050 W CN 2015080050W WO 2016173036 A1 WO2016173036 A1 WO 2016173036A1
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WO
WIPO (PCT)
Prior art keywords
payment
terminal
management server
information
fund management
Prior art date
Application number
PCT/CN2015/080050
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English (en)
French (fr)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to CA2988428A priority Critical patent/CA2988428C/en
Publication of WO2016173036A1 publication Critical patent/WO2016173036A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

Definitions

  • the present invention relates to the field of electronic commerce, and in particular, to a payment system and method, device, and server based on different fund management servers.
  • 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.
  • the technical problem to be solved by the present invention is to provide a payment system and method, device and server based on different fund management servers, so as to reduce the risk of user funds and protect the interests of both buyers and sellers.
  • a payment system based on different fund management servers comprising at least one first terminal, at least one second terminal, an information center server, a second fund management server connected to the first terminal, and a first fund management connected to the second terminal a server, the first money management server and the second money management server are connected and respectively connected to the information center 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 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 fund balance and the payment amount to determine whether an electronic commitment payment voucher can be generated for payment; if so, the second fund management server freezes Generating a balance of funds corresponding to the payment amount in the first terminal account, generating an electronic commitment payment certificate promised by the second fund management server to cancel the payment according to the agreed condition, and transmitting the electronic commitment payment voucher information to The second terminal performs credit commitment payment for the first terminal, and synchronizes the electronic commitment payment voucher information to the information center server;
  • 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 second terminal;
  • An information center server is configured to store and supervise the electronic commitment payment voucher information.
  • a payment method based on different money management servers 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;
  • the second fund management server freezes the balance of funds corresponding to the payment amount in the first terminal account; generates an electronic commitment payment voucher that the second fund management server promises to release the funds according to the agreed conditions,
  • the electronic commitment payment voucher information is sent to the second terminal for credit commitment payment for the first terminal, and the electronic commitment payment voucher information is synchronized to the information center server.
  • a payment device based on different fund management servers 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 connected to the second fund management server, where the payment request information includes a payment amount;
  • a determining module configured to determine, according to the first terminal account fund balance and the payment amount, whether to allow credit commitment payment
  • a processing module configured to: when the payment is allowed, freeze the balance of the fund 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 first fund Manage the second terminal connected to the server and synchronize to the information center server.
  • the payment system and method, device and server thereof based on different fund management servers provided by the present invention supervise the information of buyers and sellers through the first fund management server, the second fund management server and the information center server, and merge the supervision functions into the bank Or other institutions with credit payment capabilities; at the same time, by freezing the balance of funds in the first terminal account and generating electronic commitment payment vouchers to the information center server for real-time monitoring, the risk of funds can be reduced, and the interests of both buyers and sellers can be protected;
  • the credit control center of the first fund management server and the second fund management server and the risk control center of the information center server promote the network transaction and secure the transaction funds with a more optimized credit mechanism, and provide a credit medium for both parties to the transaction.
  • the supervision of funds can reduce the risk of funds and 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.
  • FIG. 1 is a schematic diagram of a payment system based on different fund management servers according to an embodiment of the present invention
  • FIG. 2 is a flowchart of a payment method based on different fund management servers according to an embodiment of the present invention
  • FIG. 3 is a flowchart of a payment method based on different fund management servers according to an embodiment of the present invention
  • FIG. 4 is a flowchart of a payment method based on different fund management servers according to an embodiment of the present invention
  • FIG. 5 is a flowchart of a payment method based on different fund management servers according to an embodiment of the present invention.
  • FIG. 6 is a flowchart of a payment method based on different fund management servers according to an embodiment of the present invention.
  • FIG. 7 is a flowchart of a payment method based on different fund management servers according to an embodiment of the present invention.
  • FIG. 8 is a block diagram of a module of a payment device based on different fund management servers according to an embodiment of the present invention.
  • a payment system based on different fund management servers 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 thereto.
  • the second fund management server 40 and the information center server 50 are connected to the first fund management server 30 and the second terminal 20 for operating the account of the second terminal 20, and the second money management server 40 is connected to the first terminal 10. Used to operate the account of the first terminal 10, wherein:
  • 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.
  • 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 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 fund balance, the first terminal account credit overdraft limit, 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 funds or the amount corresponding to the payment amount in the balance of the first terminal account are frozen, and the electronic commitment payment certificate is generated according to the payment request information and the frozen information, and then the electronic commitment payment certificate is Send to the second terminal and synchronize to the first money management server and the information center server.
  • the second terminal 20 is configured to receive the electronic commitment payment credential information sent by the second fund management server 40.
  • 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 and/or the information center server 50.
  • the merchant information includes but is not limited to the merchant ID, the merchant name, the merchant account bank, the merchant account name, and the merchant. Bank account information and other information.
  • the first fund management server 30 is configured to receive and store the electronic commitment 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 commitment payment voucher information. .
  • the information center server 50 is configured to receive and store the electronic commitment payment credential information sent by the second fund management server 40.
  • the electronic commitment payment voucher information is the key information in the payment behavior, and the backup is performed by the information center server 50, which facilitates subsequent tracking according to the electronic commitment payment voucher information and verifies whether there is an abnormality in the payment behavior.
  • the plurality of first terminals 10 are connected to the second fund management server 40 via the Internet
  • 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.
  • a payment method based on different fund management servers is applied to a fund management server according to an embodiment of the present invention.
  • the method includes the following steps:
  • the first terminal sends payment request information to the second fund management server, where the payment request information includes a payment amount.
  • 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.
  • 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.
  • the second fund management server receives the first terminal to send payment request information.
  • the second fund management server freezes the first terminal account fund corresponding to the payment amount in the first terminal account
  • 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 first terminal, the second terminal or the logistics company.
  • the settlement information confirms that the delivery is completed, and the second fund management server, after receiving the settlement information, transfers the thawed funds to the first fund management server.
  • 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.
  • 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 funds, 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.
  • the second fund management server sends the electronic commitment payment certificate to the second terminal, and synchronizes to the information center server and the first money management server. Specifically, in this step, the generated electronic voucher information is sent to the information center server, so that the information center server performs subsequent tracking.
  • the second fund management server receives the settlement information.
  • the second fund management server transfers the money to the first fund management server
  • 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 fund balance and the payment amount of the first terminal account, and simultaneously freezes the funds of the first terminal account, and The generation of electronic commitment payment vouchers is synchronized to the information center server for real-time monitoring, which can reduce the risk of funds and protect the interests of both buyers and sellers.
  • a payment method based on different fund management servers is applied to a fund management server according to an embodiment of the present invention.
  • the method includes the following steps:
  • the first terminal sends payment request information to the second fund management server, where the payment request information includes a payment amount.
  • the second fund management server receives the first terminal to send payment request information.
  • 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.
  • 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.
  • the bank 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.
  • the second fund management server freezes the funds corresponding to the payment amount in the first terminal account or the credit overdraft limit
  • This step only freezes the funds or 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 sends the settlement information to confirm the delivery completion, and after receiving the settlement information, the fund management server allocates the defrosted funds or the funds equal to the payment amount to the merchant account.
  • the second fund management server generates an electronic commitment payment certificate according to the payment request information and the freezing information.
  • 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.
  • the generated electronic voucher information is sent to the information center server, so that the information center server performs subsequent tracking.
  • the second fund management server receives the settlement information.
  • the second fund management server transfers the money to the first fund management server
  • 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 fund management server, determines whether the payment is allowed according to the fund balance of the first terminal account of the buyer or the credit overdraft limit, and generates an electronic commitment payment voucher to synchronize the information.
  • Real-time monitoring by the central server can reduce the risk of funds and protect the interests of both buyers and sellers.
  • a payment method based on different fund management servers is applied to a fund management server according to an embodiment of the present invention.
  • the method includes the following steps:
  • the first terminal sends payment request information to the second fund management server, where the payment request information includes a payment amount.
  • the second fund management server receives the first terminal to send the payment request information.
  • 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.
  • 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.
  • the second fund management server compares the fund balance and the payment amount of the first terminal account 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 proceeds to step S204.
  • the bank 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.
  • 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.
  • the second fund management server freezes the funds in the first terminal account or the credit line of the credit;
  • This step only freezes the funds or credit line to ensure that there are sufficient funds to complete the transaction, but not directly to the merchant account, thus protecting the interests of the buyer and the seller, 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.
  • the second fund management server generates an electronic commitment payment certificate according to the payment request information and the freezing information.
  • 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 fund balance or the credit loan quota, and at the same time, 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.
  • the second fund management server receives the settlement information.
  • the second fund management server transfers the money to the first fund management server
  • 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 balance of the first terminal account of the buyer or the credit amount of the credit, and simultaneously freezes the first terminal account.
  • the funds or quotas, and the generation of electronic commitment payment vouchers are synchronized to the information center server for real-time monitoring, which can reduce the risk of funds and protect the interests of both buyers and sellers.
  • a payment method based on different fund management servers is applied to a fund management server according to an embodiment of the present invention.
  • the method includes the following steps:
  • the first terminal sends payment request information to the second fund management server, where the payment request information includes a payment amount.
  • 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.
  • 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.
  • the second fund management server receives the first terminal to send payment request information.
  • step S203 Compare the first terminal 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 S204.
  • step S204 The comparison account credit overdraft limit 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.
  • the second fund management server freezes the funds or the credit line corresponding to the payment amount in the first terminal account
  • This step only freezes the funds or 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.
  • the company sends the settlement information to confirm the delivery is completed, and the fund management server, after receiving the payment information, transfers the thawed funds to the merchant account.
  • the second fund management server generates an electronic commitment payment certificate according to the payment request information and the freezing information.
  • 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.
  • the second fund management server receives the settlement information.
  • the second fund management server transfers the money to the first fund management server
  • 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 fund management server, and determines whether the permission is allowed according to the balance of the first terminal account of the buyer, the credit limit 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 an electronic commitment payment voucher to synchronize to the information center server for real-time monitoring, which can reduce the capital risk and protect the interests of both buyers and sellers.
  • a payment method based on different fund management servers is applied to a fund management server according to an embodiment of the present invention.
  • the method includes the following steps:
  • the first terminal sends payment request information to the second fund management server, where the payment request information includes a payment amount.
  • the second fund management server receives the first terminal to send payment request information.
  • 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.
  • 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.
  • step S203 Compare the first terminal 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 S204.
  • step 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.
  • the second fund management server freezes the funds or the credit line corresponding to the payment amount in the first terminal account
  • This step only freezes the funds or 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.
  • the 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.
  • the second fund management server generates an electronic commitment payment certificate according to the payment request information and the freezing information.
  • 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.
  • the second fund management server receives the settlement information.
  • the second fund management server transfers the money to the first fund management server
  • 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 fund management server, determines whether the payment is allowed according to the balance of the first terminal account fund and the payment amount, and simultaneously freezes the funds or the credit line of the first terminal account. And generate electronic commitment payment vouchers to the information center server for real-time monitoring, which can reduce the risk of funds and protect the interests of both buyers and sellers.
  • 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 connected to the second fund management server, where the payment request information includes a payment amount.
  • 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).
  • 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.
  • the determining module 302 is specifically configured to: determine whether the fund balance of the account of the first terminal account is greater than or equal to the payment amount, and if yes, allow the payment; otherwise, further determine whether the credit overdraft limit of the account is greater than or It is equal to the payment amount, if yes, the payment is allowed; otherwise, it is further determined whether the credit line of the 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 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 balance of the fund corresponding to the first terminal account or Line of credit. 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.
  • the fund management server 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 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 fund management server Two terminals and sync to the information center server.
  • 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 funds 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 and synchronize to the information center server.
  • processing module 303 may further include a debiting unit configured to, after receiving the disbursement information, synchronize the dissolving information to the information center server, and transfer the frozen funds to the first fund management server.
  • the present invention also provides a fund management server, which includes the payment device in Embodiment 7, and 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 fund balance or the credit limit of the first terminal account of the buyer by receiving the payment request information of the first terminal, and simultaneously freeze the corresponding funds of the first terminal account or
  • the credit line and the electronic commitment payment vouchers are synchronized to the information center server for real-time monitoring, which can reduce the risk of funds and protect the interests of both buyers and sellers.
  • 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.
  • the system includes a first terminal 10, a second terminal 20, and a second fund management server 40 connected to the first terminal 10. And a first money management server 30 connected to the second terminal 20, and an information center server 50 connected to the first money management server 30 and the second money management server 40, respectively, wherein:
  • the information center server 50 is configured to store and supervise the electronic commitment payment voucher information.
  • 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 disbursement 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 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 first terminal;
  • the determining module 302 is configured to determine whether to allow the credit commitment payment according to the first terminal account fund balance and the payment amount;
  • the determining module 302 is configured to: determine whether the fund balance of the first terminal account is greater than or equal to the payment amount, and if yes, allow the payment; otherwise, further determine whether the first terminal account credit overdraft limit is greater than or equal to The payment amount, if yes, is allowed to be paid, otherwise it is further determined whether the credit amount of the first terminal account credit 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 amount of funds or 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, and Synchronize to the information center server.
  • the receiving module 301 of the money management server 30 is further configured to receive the dissolving information; the processing module 303 further includes a debiting module configured to synchronize the dissolving information to the information center server after receiving the dissolving information And transfer the frozen funds to the account of the second terminal.
  • 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 credits, and at the same time generates an electronic commitment payment voucher based on the payment information, and the second terminal 20 provides the corresponding goods/services according to the electronic commitment payment voucher.

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Abstract

本发明公开了一种基于不同资金管理服务器的支付系统及方法、装置、服务器，属于电子商务领域。其中，该方法包括：第二资金管理服务器接收第一终端发送的支付请求信息；比较第一终端账户资金余额和支付金额判断能否开出电子承诺支付凭证；若能，第二资金管理服务器冻结第一终端账户资金余额内与支付金额对应的额度；生成第二资金管理服务器承诺按约定条件解付资金的电子承诺支付凭证，将该电子承诺支付凭证发送给第二终端替所述第一终端进行信用承诺支付，并同步到信息中心服务器。采用本发明技术方案，将交易双方予以监管能降低资金风险，保障交易双方的利益。

Description

基于不同资金管理服务器的支付系统及方法、装置、服务器
【技术领域】
本发明涉及电子商务领域，尤其涉及一种基于不同资金管理服务器的支付系统及方法、装置、服务器。
【背景技术】
电子商务已越来越广泛地应用于各种商业贸易活动中，所谓电子商务是指在商业贸易活动中，在因特网开放的网络环境下，基于浏览器及服务器应用方式，实现消费者的网上购物、商户之间的网上交易和在线电子支付以及各种商务活动、交易活动、金融活动和相关的综合服务活动的一种商业运营模式。
目前，很多银行或者企业都提供了网络支付的服务，允许客户操作计算机、手机等终端设备来实现网络支付，网络支付的方式为客户提供了很大的便利。而网络支付的过程中，多为使用借记卡内的现有资金或信用卡直接支付，或将现有资金或信用卡内的信用额度直接划拨到第三方机构作为担保进行交易，一旦商户未提供商品或服务时有或者发生客户争议时，资金安全难以得以保证。由此可见，现阶段需要新的支付系统、方法、装置和服务器，以降低用户资金风险，保障买卖双方的利益。
【发明内容】
有鉴于此，本发明要解决的技术问题是提供一种基于不同资金管理服务器的支付系统及方法、装置、服务器，以降低用户资金风险，保障买卖双方的利益。
本发明解决上述技术问题所采用的技术方案如下：
一种基于不同资金管理服务器的支付系统，包括至少一个第一终端、至少一个第二终端、信息中心服务器、与第一终端连接的第二资金管理服务器和与第二终端连接的第一资金管理服务器，所述第一资金管理服务器和第二资金管理服务器连接并分别与所述信息中心服务器连接，其中：
所述第一终端，用于向所述第二资金管理服务器发送至少包括有支付金额的支付请求信息；
所述第二终端，用于接收所述第一资金管理服务器发送的电子承诺支付凭证；
第二资金管理服务器，用于接收所述第一终端发送的支付请求信息；比较第一终端账户资金余额和支付金额判断能否生成电子承诺支付凭证予以支付；若能，第二资金管理服务器冻结所述第一终端账户内与所述支付金额对应的资金余额，生成由所述第二资金管理服务器承诺按约定条件解付资金的电子承诺支付凭证，并将所述电子承诺支付凭证信息发送给第二终端替所述第一终端进行信用承诺支付，并将所述电子承诺支付凭证信息同步到所述信息中心服务器；
所述第一资金管理服务器，用于存储所述第二资金管理服务器发送的所述电子承诺支付凭证信息，并根据所述电子承诺支付凭证信息，将接收到的所述支付金额划拨到所述第二终端的账户中；
信息中心服务器，用于存储并监管所述电子承诺支付凭证信息。
一种基于不同资金管理服务器的支付方法，该方法包括以下步骤：
第二资金管理服务器接收第一终端发送的支付请求信息，其中，支付请求信息至少包括支付金额；
比较所述第一终端账户资金余额和所述支付金额判断能否生成电子承诺支付凭证予以支付；
若能，所述第二资金管理服务器冻结所述第一终端账户内与所述支付金额对应的资金余额；生成由第二资金管理服务器承诺按约定条件解付资金的电子承诺支付凭证，将所述电子承诺支付凭证信息发送给第二终端替所述第一终端进行信用承诺支付，并将所述电子承诺支付凭证信息同步到信息中心服务器。
一种基于不同资金管理服务器的支付装置，所述装置包括接收模块、判断模块和处理模块，其中：
接收模块，设置为接收与所述第二资金管理服务器连接的第一终端发送的支付请求信息，其中，所述支付请求信息包括支付金额；
判断模块，设置为根据所述第一终端账户资金余额和所述支付金额判断是否允许信用承诺支付；
处理模块，设置为当允许支付时，冻结所述第一终端账户内的所述支付金额对应的资金余额；生成电子承诺支付凭证，将所述电子承诺支付凭证信息发送给与所述第一资金管理服务器连接的第二终端，并同步到信息中心服务器。
本发明提供的基于不同资金管理服务器的支付系统及其方法、装置和服务器，通过第一资金管理服务器、第二资金管理服务器和信息中心服务器对买卖双方的信息进行监管，将监管功能合并到银行或其他具备信用支付能力的机构；同时通过冻结第一终端账户的资金余额，并生成电子承诺支付凭证同步到信息中心服务器进行实时监控，能降低资金风险，保障买卖双方的利益；此方案充分利用了第一资金管理服务器和第二资金管理服务器的信用中枢和信息中心服务器的风控中心功能，以更加优化的信用机制促进网络交易和保障交易资金安全，为交易双方提供了信用媒介，还通过对资金的监管能降低资金风险，保障交易双方的利益。此外，还通过增加贷款功能方便了客户，也丰富了银行或其他具备信用支付能力的机构的业务。
【附图说明】
图1是本发明实施例提供的一种基于不同资金管理服务器的支付系统的示意图；
图2是本发明实施例提供的一种基于不同资金管理服务器的支付方法的流程图；
图3是本发明实施例提供的一种基于不同资金管理服务器的支付方法的流程图；
图4是本发明实施例提供的一种基于不同资金管理服务器的支付方法的流程图；
图5是本发明实施例提供的一种基于不同资金管理服务器的支付方法的流程图；
图6是本发明实施例提供的一种基于不同资金管理服务器的支付方法的流程图；
图7是本发明实施例提供的一种基于不同资金管理服务器的支付方法的流程图；
图8是本发明实施例提供的一种基于不同资金管理服务器的支付装置的模块结构图。
【具体实施方式】
为了使本发明所要解决的技术问题、技术方案及有益效果更加清楚、明白，以下结合附图和实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
实施例一
如图1所示，本发明实施例提供的一种基于不同资金管理服务器的支付系统，该系统包括至少一个第一终端10、至少一个第二终端20，相连接的第一资金管理服务器30、第二资金管理服务器40和信息中心服务器50，第一资金管理服务器30和第二终端20连接，用于对第二终端20的账户进行操作，第二资金管理服务器40与第一终端10连接，用于对第一终端10的账户进行操作，其中：
第一终端10，用于向第二资金管理服务器40发送支付请求信息，其中支付请求信息中包括支付金额。
具体地，第一终端10适用于付款方，比如客户使用的终端，包括手机、个人电脑、PAD等智能设备，第一终端10的账户信息是客户注册时填写，并存储在第二资金管理服务40和/或信息中心服务器50的数据库中的，第一终端10的账户信息包括客户ID、开户银行、账户名称、银行账号、信用余额等信息，还可以包括客户的收货地址信息。支付请求信息是在客户购买具体的商品/服务后，填写/确认的价格（支付金额）、收货地址等信息，第一终端10按预设的规则根据商品/服务的价格、商品/服务所属的商户生成的数据包，将该数据包发送给第二资金管理服务器40。
第二资金管理服务器40，用于接收第一终端10发送的支付请求信息，根据支付金额和第一终端账户资金余额、第一终端账户授信透支额度和第一终端账户授信贷款额度来判断账户是否具有支付能力；如果判断结果是具有支付能力，则冻结第一终端账户资金余额内与支付金额对应的资金或额度，并根据支付请求信息和冻结信息生成电子承诺支付凭证，然后将电子承诺支付凭证发送给第二终端，并同步到第一资金管理服务器和信息中心服务器。
第二终端20，用于接收第二资金管理服务器40发送的电子承诺支付凭证信息。
具体地，第二终端20适用于收款方（商户），第二终端包括但不限于服务器、POS机等设备。商户包括但不限于生产制造商、代理商、物流公司等。商户信息也是客户开户时进行注册并存储在第一资金管理服务器30和/或信息中心服务器50的数据库中的，商户信息包括但不限于商户ID、商户名称、商户开户银行、商户账户名称、商户银行账号等信息。
第一资金管理服务器30，用于接收并存储第二资金管理服务器40发送的电子承诺支付凭证信息，还用于根据电子承诺支付凭证信息，将接收到的支付金额划拨到第二终端的账户中。
信息中心服务器50，用于接收并存储第二资金管理服务器40发送的电子承诺支付凭证信息。
其中，电子承诺支付凭证信息是支付行为中的关键信息，通过信息中心服务器50对此备份，有利于随时根据电子承诺支付凭证信息进行后续跟踪、以及验证支付行为中是否存在异常。
在本实施例中，多个第一终端10通过互联网连接第二资金管理服务器40，多个第二终端20均通过互联网连接第一资金管理服务器30，即第二终端20账户所在的服务器与第一终端10所在的服务器均为资金管理服务器。资金管理服务器，可以为物理意义上的单一服务器，也可以为物理意义上的多台服务器，如多台物理服务器并行工作，根据业务量的不同，自动分配服务器的资源，共同实现资金管理。资金管理服务器包括但不限于银行、企业等组织中的服务器。实际应用中，可以理解为同一银行的集群资金管理服务器，但并不局限于银行，还可以互联网中支持资金流动的其它机构。通过第一资金管理服务器30、第二资金管理服务器40的信息进行监管，将监管功能合并到银行或其它第三方机构。
实施例二
如图2所示，本发明实施例提供的一种基于不同资金管理服务器的支付方法，应用于资金管理服务器，该方法该包括以下步骤：
S201、第一终端向第二资金管理服务器发送支付请求信息，支付请求信息包括支付金额。
具体地，第二资金管理服务器接收的支付请求信息包括：商户信息、商品信息和支付金额，还可以包括第一终端信息（如客户ID）。其中，商户信息可以直接是商户收款账号，也可以唯一标识商户的信息（如商户ID），由第二资金管理服务器根据商户唯一标识从数据库中查找商户对应的银行账号信息。在具体应用中，第二终端的账户信息相对第一终端应该是保密的，故商户信息优选为商户ID，第二资金管理服务器利用商户ID与其收款账号存在对应的关系来查询商户的收款账号。也就是说，第一终端只需告知第二资金管理服务器向哪个商户的哪个商品支付多少款项，第二资金管理服务器便能调出商户的账号实施相应的支付操作。
S202、第二资金管理服务器接收第一终端发送支付请求信息；
S203、比较第一终端账户资金余额和支付金额判断能否生成电子承诺支付凭证予以支付，如果允许支付，则进入S209，否则，终止本次支付，结束流程。
S209、第二资金管理服务器冻结第一终端账户内的与支付金额对应的第一终端账户资金；
本步骤只冻结支付金额以确保后继有足够的资金完成本次交易，但不并直接划款到商户账号，这样保障了买卖双方的利益，后继可以由第一终端、第二终端或者物流公司发送解付信息确认交付完成，由第二资金管理服务器在接收到解付信息后，将解冻的资金划款到第一资金管理服务器。
S210、第二资金管理服务器根据支付请求信息和冻结信息生成电子承诺支付凭证，并发送给第二终端；
具体地，由于支付请求信息是买方通过第一终端操作发送给资金管理服务器的，其支付信息客观上是得到了客户确认并授权银行支付的。第二资金管理服务器冻结相应的资金，同时将生成根据支付信息生成电子承诺支付凭证，第二终端根据该电子承诺支付凭证提供相应的商品/服务。
S211、第二资金管理服务器将电子承诺支付凭证发送给第二终端，并同步到信息中心服务器和第一资金管理服务器。具体地，本步骤将生成的电子凭证信息发送给信息中心服务器，以便信息中心服务器进行后继跟踪。
S212、第二资金管理服务器接收解付信息；
S213、第二资金管理服务器转款给第一资金管理服务器；
S214、第一资金管理服务器将接收到的支付金额划款到第二终端的账户。
本发明实施例提供的支付方法，通过第二资金管理服务器接收第一终端的支付请求信息，根据第一终端账户资金余额和支付金额判断是否允许支付，同时通过冻结第一终端账户的资金，并生成电子承诺支付凭证同步到信息中心服务器进行实时监控，能降低资金风险，保障买卖双方的利益。
实施例三
如图3所示，本发明实施例提供的一种基于不同资金管理服务器的支付方法，应用于资金管理服务器，该方法该包括以下步骤：
S201、第一终端向第二资金管理服务器发送支付请求信息，支付请求信息包括支付金额。
S202、第二资金管理服务器接收第一终端发送支付请求信息；
具体地，第二资金管理服务器接收的支付请求信息包括：商户信息、商品信息和支付金额，还可以包括第一终端信息（如客户ID）。其中，商户信息可以直接是商户收款账号，也可以唯一标识商户的信息（如商户ID），由第二资金管理服务器根据商户唯一标识从数据库中查找商户对应的银行账号信息。在具体应用中，第二终端的账户信息相对第一终端应该是保密的，故商户信息优选为商户ID，第二资金管理服务器利用商户ID与其收款账号存在对应的关系来查询商户的收款账号。也就是说，第一终端只需告知第二资金管理服务器向哪个商户的哪个商品支付多少款项，第二资金管理服务器便能调出商户的账号实施相应的支付操作。
S203、比较第一终端账户资金余额和支付金额判断能否生成电子承诺支付凭证予以信用承诺支付，如果允许支付,进入S209，否则进入S204。
S204、比较第一终端账户授信透支额度和支付金额判断能否生成电子承诺支付凭证予以信用承诺支付，如果允许支付,进入S209，否则结束流程。
其中，第一终端的银行账号可以是第一终端在支付请求信息中告知第二资金管理服务器的，也可以第二资金管理服务器根据第一终端ID从数据库中查询得到。
S209、第二资金管理服务器冻结第一终端账户中支付金额对应的资金或授信透支额度；
本步骤只冻结资金或授信透支额度以确保后继有足够的资金完成本次交易，但不并直接划款到商户账号，这样保障了买卖双方的利益，后继可以由第一终端、第二终端或者物流公司发送解付信息确认交付完成，由资金管理服务器在接收到解付信息后，将解冻的资金或与支付金额等额的资金划款到商户账号。
S210、第二资金管理服务器根据支付请求信息和冻结信息生成电子承诺支付凭证；
具体地，由于支付请求信息是买方通过第一终端操作发送给第二资金管理服务器的，其支付信息客观上是得到了客户确认并授权银行支付的。第二资金管理服务器冻结相应的资金或授信透支额度，同时将生成根据支付信息生成电子承诺支付凭证，第二终端根据该电子承诺支付凭证提供相应的商品/服务。
S211、将电子承诺支付凭证发送给第二终端，并同步到信息中心服务器和第一资金管理服务器。
具体地，本步骤将生成的电子凭证信息发送给信息中心服务器，以便信息中心服务器进行后继跟踪。
S212、第二资金管理服务器接收解付信息；
S213、第二资金管理服务器转款给第一资金管理服务器；
S214、第一资金管理服务器将接收到的支付金额划款到第二终端的账户。
本发明实施例提供的支付方法，通过资金管理服务器接收第一终端的支付请求信息，根据买方的第一终端账户的资金余额或授信透支额度判断是否允许支付，并生成电子承诺支付凭证同步到信息中心服务器进行实时监控，能降低资金风险，保障买卖双方的利益。
实施例四
如图4所示，本发明实施例提供的一种基于不同资金管理服务器的支付方法，应用于资金管理服务器，该方法该包括以下步骤：
S201、第一终端向第二资金管理服务器发送支付请求信息，支付请求信息包括支付金额。
S202、第二资金管理服务器接收第一终端发送支付请求信息
具体地，资金管理服务器接收的支付请求信息包括：商户信息、商品信息和支付金额，还可以包括第一终端信息（如客户ID）。其中，商户信息可以直接是商户收款账号，也可以唯一标识商户的信息（如商户ID），由资金管理服务器根据商户唯一标识从数据库中查找商户对应的银行账号信息。在具体应用中，第二终端的账户信息相对第一终端应该是保密的，故商户信息优选为商户ID，资金管理服务器利用商户ID与其收款账号存在对应的关系来查询商户的收款账号。也就是说，第一终端只需告知资金管理服务器向哪个商户的哪个商品支付多少款项，资金管理服务器便能调出商户的账号实施相应的支付操作。
S203、第二资金管理服务器比较第一终端账户的资金余额和支付金额判断能否生成电子承诺支付凭证予以信用承诺支付，如果允许支付，则进入S209，否则进入步骤S204。
其中，第一终端的银行账号可以是第一终端在支付请求信息中告知资金管理服务器的，也可以资金管理服务器根据第一终端ID从数据库中查询的。
S204、第二资金管理服务器比较账户授信贷款额度和支付金额判断能否生成电子承诺支付凭证予以信用承诺支付，如果允许支付，则进入S209，否则结束流程。
S209、第二资金管理服务器冻结第一终端账户中的资金或授信贷款额度；
本步骤只冻结资金或授信贷款额度以确保后继有足够的资金完成本次交易，但不并直接划款到商户账号，这样保障了买卖双方的利益，后继可以由第一终端、第二终端或者物流公司发送解付信息确认交付完成，由资金管理服务器在接收到解付信息后，将解冻的资金划款到商户账号。
S210、第二资金管理服务器根据支付请求信息和冻结信息生成电子承诺支付凭证；
具体地，由于支付请求信息是买方通过第一终端操作发送给第二资金管理服务器的，其支付信息客观上是得到了客户确认并授权银行支付的。第二资金管理服务器冻结相应的资金余额或授信贷款额度，同时将根据支付信息生成电子承诺支付凭证，第二终端根据该电子承诺支付凭证提供相应的商品/服务。
S211、将电子承诺支付凭证发送给第二终端，并同步到信息中心服务器和第一资金管理服务器。具体地，本步骤将生成的电子凭证信息发送给信息中心服务器，以便信息中心服务器进行后继跟踪。
S212、第二资金管理服务器接收解付信息；
S213、第二资金管理服务器转款给第一资金管理服务器；
S214、第一资金管理服务器将接收到的支付金额划款到第二终端的账户。
本发明实施例提供的支付方法，通过第二资金管理服务器接收第一终端的支付请求信息，根据买方的第一终端账户资金余额或授信贷款额度判断是否允许支付，同时通过冻结第一终端账户的资金或额度，并生成电子承诺支付凭证同步到信息中心服务器进行实时监控，能降低资金风险，保障买卖双方的利益。
实施例五
如图5所示，本发明实施例提供的一种基于不同资金管理服务器的支付方法，应用于资金管理服务器，该方法该包括以下步骤：
S201、第一终端向第二资金管理服务器发送支付请求信息，支付请求信息包括支付金额。
具体地，第二资金管理服务器接收的支付请求信息包括：商户信息、商品信息和支付金额，还可以包括第一终端信息（如客户ID）。其中，商户信息可以直接是商户收款账号，也可以唯一标识商户的信息（如商户ID），由资金管理服务器根据商户唯一标识从数据库中查找商户对应的银行账号信息。在具体应用中，第二终端的账户信息相对第一终端应该是保密的，故商户信息优选为商户ID，第二资金管理服务器利用商户ID与其收款账号存在对应的关系来查询商户的收款账号。也就是说，第一终端只需告知第二资金管理服务器向哪个商户的哪个商品支付多少款项，第二资金管理服务器便能调出商户的账号实施相应的支付操作。
S202、第二资金管理服务器接收第一终端发送支付请求信息；
S203、比较第一终端账户资金余额和支付金额判断能否生成电子承诺支付凭证予以支付，如果允许支付，则进入S209，否则进入步骤S204。
S204、比较账户授信透支额度和支付金额判断能否生成电子承诺支付凭证予以支付，如果允许支付，则进入S209，否则进入步骤S205。
S205、比较账户授信贷款额度和支付金额判断能否生成电子承诺支付凭证予以支付，如果允许支付，则进入S209，否则结束流程。
S209、第二资金管理服务器冻结第一终端账户中支付金额对应的资金或授信额度；
本步骤只冻结资金或授信额度以确保后继有足够的资金完成本次交易，但不并直接划款到商户账号，这样保障了买卖双方的利益，后继可以由第一终端、第二终端或者物流公司发送解付信息确认交付完成，由资金管理服务器在接收到解付信息后，将解冻的资金划款到商户账号。
S210、第二资金管理服务器根据支付请求信息和冻结信息生成电子承诺支付凭证；
具体地，由于支付请求信息是买方通过第一终端操作发送给第二资金管理服务器的，其支付信息客观上是得到了客户确认并授权银行支付的。第二资金管理服务器冻结相应的资金或授信额度，同时将生成根据支付信息生成电子承诺支付凭证，第二终端根据该电子承诺支付凭证提供相应的商品/服务。
S211、将电子承诺支付凭证发送给第二终端，并同步到信息中心服务器和第一资金管理服务器。具体地，本步骤将生成的电子凭证信息发送给信息中心服务器，以便信息中心服务器进行后继跟踪。
S212、第二资金管理服务器接收解付信息；
S213、第二资金管理服务器转款给第一资金管理服务器；
S214、第一资金管理服务器将接收到的支付金额划款到第二终端的账户。
本发明实施例提供的支付方法，通过资金管理服务器接收第一终端的支付请求信息，根据买方的第一终端账户资金余额、第一终端账户授信透支额度和第一终端账户授信贷款额度判断是否允许支付，同时通过冻结第一终端账户的支付金额，并生成电子承诺支付凭证同步到信息中心服务器进行实时监控，能降低资金风险，保障买卖双方的利益。
实施例六
如图6所示，本发明实施例提供的一种基于不同资金管理服务器的支付方法，应用于资金管理服务器，该方法该包括以下步骤：
S201、第一终端向第二资金管理服务器发送支付请求信息，支付请求信息包括支付金额。
S202、第二资金管理服务器接收第一终端发送支付请求信息；
具体地，第二资金管理服务器接收的支付请求信息包括：商户信息、商品信息和支付金额，还可以包括第一终端信息（如客户ID）。其中，商户信息可以直接是商户收款账号，也可以唯一标识商户的信息（如商户ID），由第二资金管理服务器根据商户唯一标识从数据库中查找商户对应的银行账号信息。在具体应用中，第二终端的账户信息相对第一终端应该是保密的，故商户信息优选为商户ID，第二资金管理服务器利用商户ID与其收款账号存在对应的关系来查询商户的收款账号。也就是说，第一终端只需告知第二资金管理服务器向哪个商户的哪个商品支付多少款项，第二资金管理服务器便能调出商户的账号实施相应的支付操作。
S203、比较第一终端账户资金余额和支付金额判断能否生成电子承诺支付凭证予以支付，如果允许支付，则进入S209，否则进入步骤S204。
S204、比较账户授信贷款额度和支付金额判断能否生成电子承诺支付凭证予以支付，如果允许支付，则进入S209，否则进入步骤S205。
S205、比较账户授信透支额度和支付金额判断能否生成电子承诺支付凭证予以支付，如果允许支付，则进入S209，否则结束流程。
S209、第二资金管理服务器冻结第一终端账户中支付金额对应的资金或授信额度；
本步骤只冻结资金或授信额度以确保后继有足够的资金完成本次交易，但不并直接划款到商户账号，这样保障了买卖双方的利益，后继可以由第一终端、第二终端或者物流公司发送解付信息确认交付完成，由资金管理服务器在接收到解付信息后，将解冻的资金或与支付资金等额的资金划款到商户账号。
S210、第二资金管理服务器根据支付请求信息和冻结信息生成电子承诺支付凭证；
具体地，由于支付请求信息是买方通过第一终端操作发送给第二资金管理服务器的，其支付信息客观上是得到了客户确认并授权银行支付的。第二资金管理服务器冻结相应的资金或授信额度，同时将生成根据支付信息生成电子承诺支付凭证，第二终端根据该电子承诺支付凭证提供相应的商品/服务。
S211、将电子承诺支付凭证发送给第二终端，并同步到信息中心服务器和第一资金管理服务器。具体地，本步骤将生成的电子凭证信息发送给信息中心服务器，以便信息中心服务器进行后继跟踪。
S212、第二资金管理服务器接收解付信息；
S213、第二资金管理服务器转款给第一资金管理服务器；
S214、第一资金管理服务器将接收到的支付金额划款到第二终端的账户。
本发明实施例提供的支付方法，通过资金管理服务器接收第一终端的支付请求信息，根据第一终端账户资金余额和支付金额判断是否允许支付，同时通过冻结第一终端账户的资金或授信额度，并生成电子承诺支付凭证同步到信息中心服务器进行实时监控，能降低资金风险，保障买卖双方的利益。
实施例七
如图7所示，本发明实施例提供的一种支付装置，包括接收模块301、判断模块302、处理模块303，其中：
接收模块301，设置为接收与所述第二资金管理服务器连接的第一终端发送的支付请求信息，其中，支付请求信息包括支付金额。
具体地，接收模块301接收的支付请求信息包括：商户信息、商品信息和支付金额，还可以包括第一终端信息（如客户ID）。其中，商户信息可以直接是商户收款账号，也可以唯一标识商户的信息（如商户ID）。在具体应用中，第二终端的账户信息相对第一终端应该是保密的，故商户信息优选为商户ID，也就是说，第一终端只需告知资金管理服务器向哪个商户的哪个商品支付多少款项，由本装置调出商户的账号实施相应的支付操作。
判断模块302，设置为根据第一终端账户资金余额或授信透支额度或授信贷款额度和支付金额判断是否允许支付。
作为一种优选的方案，判断模块302具体设置为：判断第一终端账户的账户的资金余额是否大于或等于支付金额时，如果是，则允许支付；否则进一步判断账户的授信透支额度是否大于或等于支付金额，如果是，则允许支付；否则再进一步判断账户的授信贷款额度是否大于支付金额，如果是，则允许支付，否则不允许支付。如此，依次判断第一终端账户的支付能力，可以节省付款周期，保障商家的利益。其中，第一终端的银行账号可以是第一终端在支付请求信息中告知本装置的，也可以是本装置根据第一终端信息从数据库中查询的，获取对应第一终端账户的的资金余额或授信额度。只有在第一终端账户的资金余额或授信额度大于或等于支付金额时，才表示客户具有进行支付行为的能力，此时才允许进行支付行为。当采用资金管理服务器根据客户信息获取银行账号或信用卡账号时，一个客户可能有多个账号，还可以采用混合支付方式。
处理模块303，设置为当允许支付时，冻结第一终端账户内的与支付金额对应的资金；生成电子承诺支付凭证，将电子承诺支付凭证信息发送给与所述第二资金管理服务器连接的第二终端，并同步到信息中心服务器。
优选地，处理模块303进一步包括冻结单元3031、凭证生成单元3032和同步单元3033 ，其中：
冻结单元3031，设置为当允许支付时，冻结第一终端账户内的支付金额对应的资金；
凭证生成单元3032，设置为生成电子承诺支付凭证；
同步单元3033，设置为将电子承诺支付凭证信息发送给第二终端，并同步到信息中心服务器。
此外，处理模块303还可以包括划款单元，设置为接收到解付信息后，将解付信息同步到信息中心服务器，并将冻结的资金划拨第一资金管理服务器。
需要说明的是，上述方法实施例二和实施例三中的技术特征在本装置均对应适用，这里不再重述。
此外，本发明还提供了一种资金管理服务器，该资金管理服务器包括实施例七中的支付装置，这里不再重述。
本发明实施例的支付装置和服务器，通过接收第一终端的支付请求信息，根据买方的第一终端账户的资金余额或授信额度判断是否允许支付，同时通过冻结第一终端账户的相应的资金或授信额度，并生成电子承诺支付凭证同步到信息中心服务器进行实时监控，能降低资金风险，保障买卖双方的利益。此外，还通过增加贷款功能，不仅方便了买方，而且极大丰富了银行或其他具备信用支付能力的机构的业务。
实施例八
如图8所示，本发明优选实施例提供的一种基于不同资金管理服务器的支付系统，该系统包括第一终端10、第二终端20、与第一终端10连接的第二资金管理服务器40，和与第二终端20连接的第一资金管理服务器30，以及分别与第一资金管理服务器30和第二资金管理服务器40相连接的信息中心服务器50，其中：
信息中心服务器50，用于存储并监管所述电子承诺支付凭证信息。
第一终端10，包括支付请求模块101，设置为向资金管理服务器30发送支付请求信息，其中，支付请求信息包括：商户信息、商品信息和支付金额。
第二终端20，包括凭证接收模块201和解付信息发送模块202,其中，凭证接收模块201设置为接收资金管理服务器30发送的电子承诺支付凭证。
第二资金管理服务器40包括接收模块301、判断模块302、和处理模块303，其中：
接收模块301，设置为接收第一终端发送的支付请求信息；
判断模块302，设置为根据第一终端账户资金余额和支付金额判断是否允许信用承诺支付；
作为一种优选实施例，判断模块302设置为：判断第一终端账户的资金余额是否大于或等于支付金额时，如果是，则允许支付；否则进一步判断第一终端账户授信透支额度是否大于或等于支付金额，如果是，则允许支付，否则进一步判断第一终端账户授信贷款额度是否大于或等于支付金额，如果是，则允许信用承诺支付。
处理模块303，设置为当允许信用承诺支付时，冻结第一终端账户内的与支付金额对应的资金金额或授信额度；生成电子承诺支付凭证，将电子承诺支付凭证信息发送给第二终端，并同步到信息中心服务器。
作为一种优选实施例，资金管理服务器30的接收模块301还设置为接收解付信息；处理模块303还包括划款模块，设置为接收到解付信息后，将解付信息同步到信息中心服务器，并将冻结的资金划拨到第二终端的账户。
具体地，由于支付请求信息是买方通过第一终端10操作发送给资金管理服务器30的，其支付信息客观上是得到了第一终端10确认并授权银行支付的。资金管理服务器30冻结相应的资金或授信额度，同时将生成根据支付信息生成电子承诺支付凭证，第二终端20根据该电子承诺支付凭证提供相应的商品/服务。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分步骤是可以通过程序来控制相关的硬件完成，所述的程序可以在存储于一计算机可读取存储介质中，所述的存储介质，如ROM/RAM、磁盘、光盘等。
以上参照附图说明了本发明的优选实施例，并非因此局限本发明的权利范围。本领域技术人员不脱离本发明的范围和实质内所作的任何修改、等同替换和改进，均应在本发明的权利范围之内。

Claims (13)

  1. 一种基于不同资金管理服务器的支付系统，包括至少一个第一终端、至少一个第二终端、信息中心服务器、与第一终端连接的第二资金管理服务器和与第二终端连接的第一资金管理服务器，所述第一资金管理服务器和第二资金管理服务器连接并分别与所述信息中心服务器连接，其中：
    所述第一终端，用于向所述第二资金管理服务器发送至少包括有支付金额的支付请求信息；
    所述第二终端，用于接收所述第二资金管理服务器发送的电子承诺支付凭证；
    第二资金管理服务器，用于接收所述第一终端发送的支付请求信息；比较第一终端账户资金余额和支付金额判断能否生成电子承诺支付凭证予以支付；若能，第二资金管理服务器冻结所述第一终端账户内与所述支付金额对应的资金余额，生成由所述第二资金管理服务器承诺按约定条件解付资金的电子承诺支付凭证，并将所述电子承诺支付凭证信息发送给第二终端替所述第一终端进行信用承诺支付，并将所述电子承诺支付凭证信息同步到所述信息中心服务器；
    所述第一资金管理服务器，用于存储所述第二资金管理服务器发送的所述电子承诺支付凭证信息，并根据所述电子承诺支付凭证信息，将接收到的所述支付金额划拨到所述第二终端的账户中；
    信息中心服务器，用于存储并监管所述电子承诺支付凭证信息。
  2. 根据权利要求1所述的基于不同资金管理服务器的支付系统，其中，所述资金管理服务器为：银行的单一物理服务器或者集群服务器；或者其他具备信用支付能力的机构的单一物理服务器或者集群服务器。
  3. 一种基于不同资金管理服务器的支付方法，该方法包括以下步骤：
    第二资金管理服务器接收第一终端发送的支付请求信息，其中，支付请求信息至少包括支付金额；
    比较所述第一终端账户资金余额和所述支付金额判断能否生成电子承诺支付凭证予以信用承诺支付；
    若能，所述第二资金管理服务器冻结所述第一终端账户内与所述支付金额对应的额度；生成由第二资金管理服务器承诺按约定条件解付资金的电子承诺支付凭证，将所述电子承诺支付凭证信息发送给与第一资金管理服务器连接的第二终端替所述第一终端进行信用承诺支付，并将所述电子承诺支付凭证信息同步到信息中心服务器。
  4. 根据权利要求3所述的基于不同资金管理服务器的支付方法，其中，所述方法之前还包括：
    第一终端向第二资金管理服务器发送支付请求信息，其中，所述支付请求信息包括：客户信息、商户信息和商品信息。
  5. 根据权利要求4中权利要求所述的基于不同资金管理服务器的支付方法，其中，所述方法之后还包括：
    第二资金管理服务器接收到解付信息后，将所述解付信息同步到信息中心服务器，并将所述支付金额等额的资金划拨到所述第一资金管理服务器。
  6. 根据权利要求3所述的基于不同资金管理服务器的支付方法，其中，如果第一终端账户资金余额小于所述支付金额，则比较第一终端账户授信透支额度和所述支付金额判断能否生成电子承诺支付凭证予以信用承诺支付。
  7. 根据权利要求3所述的基于不同资金管理服务器的支付方法，其中，如果第一终端账户资金余额小于所述支付金额，则比较第一终端账户授信贷款额度和所述支付金额判断能否生成电子承诺支付凭证予以信用承诺支付。
  8. 根据权利要求6所述的基于不同资金管理服务器的支付方法，其中，如果第一终端账户授信透支额度小于所述支付金额，则比较第一终端账户授信信贷款额度和所述支付金额判断能否生成电子承诺支付凭证予以信用承诺支付。
  9. 根据权利要求7所述的基于不同资金管理服务器的支付方法，其中，如果第一终端账户授信贷款额度小于所述支付金额，则比较第一终端账户授信透支额度和所述支付金额判断能否生成电子承诺支付凭证予以信用承诺支付。
  10. 一种基于不同资金管理服务器的支付装置，所述装置包括接收模块、判断模块和处理模块，其中：
    接收模块，设置为接收与所述第二资金管理服务器连接的第一终端发送的支付请求信息，其中，所述支付请求信息包括支付金额；
    判断模块，设置为根据所述第一终端账户资金余额和所述支付金额判断是否允许支付；
    处理模块，设置为当允许支付时，冻结所述第一终端账户内的所述支付金额对应的资金余额；生成电子承诺支付凭证，将所述电子承诺支付凭证信息发送给与所述第一资金管理服务器连接的第二终端，并同步到信息中心服务器。
  11. 根据权利要求10所述的支付装置，其中，所述处理模块进一步包括冻结单元、凭证生成单元和同步单元，其中：
    冻结单元，设置为当允许支付时，冻结所述第一终端账户内的所述支付金额对应的资金余额；
    凭证生成单元，设置为生成电子承诺支付凭证；
    同步单元，设置为将所述电子承诺支付凭证信息发送给第二终端，并同步到信息中心服务器。
  12. 根据权利要求11所述的支付装置，其中，所述处理模块还包括划款单元，所述划款单元设置为接收到解付信息后，将解付信息同步到信息中心服务器，并将所述冻结的资金划拨到所述第一资金管理服务器。
  13. 一种基于不同资金管理服务器的服务器，所述服务器包括权利要求10-12任意一项权利要求所述的支付装置。
PCT/CN2015/080050 2015-04-30 2015-05-28 基于不同资金管理服务器的支付系统及方法、装置、服务器 WO2016173036A1 (zh)

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