WO2016173038A1 - Système de paiement basé sur un serveur de gestion de fonds partagé, et procédé, dispositif et serveur associés - Google Patents

Système de paiement basé sur un serveur de gestion de fonds partagé, et procédé, dispositif et serveur associés Download PDF

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Publication number
WO2016173038A1
WO2016173038A1 PCT/CN2015/080062 CN2015080062W WO2016173038A1 WO 2016173038 A1 WO2016173038 A1 WO 2016173038A1 CN 2015080062 W CN2015080062 W CN 2015080062W WO 2016173038 A1 WO2016173038 A1 WO 2016173038A1
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WO
WIPO (PCT)
Prior art keywords
payment
management server
information
client
fund management
Prior art date
Application number
PCT/CN2015/080062
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English (en)
Chinese (zh)
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.)
Filing date
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 CA2987442A priority Critical patent/CA2987442C/fr
Publication of WO2016173038A1 publication Critical patent/WO2016173038A1/fr

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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

Definitions

  • the present invention relates to the field of electronic commerce, and in particular, to a payment system based on the same fund management server, and a method, device and server thereof.
  • 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, 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.
  • a payment system based on the same fund management server comprising at least one client, at least one merchant, an information center server, and a fund management server, wherein the fund management server is respectively connected to the client, the merchant, and the information center server, among them:
  • 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 the payment request information sent by the client; compare the client credit overdraft limit and the payment amount to determine whether the electronic commitment payment certificate can be generated for payment; if so, the fund management server freezes the client account Generating an overdraft limit corresponding to the payment amount, generating an electronic commitment payment voucher that is promised by the fund management server to cancel the payment according to the agreed condition, and transmitting the electronic commitment payment voucher information to the merchant for the client Credit commitment to pay and synchronize the electronic commitment payment voucher information to the information center server;
  • An information center server is configured to store and supervise the electronic commitment payment voucher information.
  • the client account fund balance and the payment amount are compared to determine whether an electronic commitment payment certificate can be generated for payment.
  • the client account credit loan amount and the payment amount are compared to determine whether the electronic commitment payment certificate can be generated for payment.
  • a network payment method based on the same money management server 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;
  • the fund management server freezes the credit overdraft limit corresponding to the payment amount in the client account; generates an electronic commitment payment certificate that is promised by the fund management server to cancel the payment according to the agreed condition, and the The electronic commitment payment voucher information is sent to the merchant for credit commitment payment for the client, and the electronic commitment payment voucher information is synchronized to the information center server.
  • the client account credit loan amount and the payment amount are compared to determine whether the electronic commitment payment certificate can be generated for payment; further, if the client account credit loan amount is less than the payment amount, then the comparison is made.
  • the client account fund balance and payment amount determine whether an electronic commitment payment voucher can be generated for payment.
  • the client account balance and the payment amount are compared to determine whether the electronic commitment payment certificate can be generated for payment; further, if the client account fund balance is less than the payment amount, the client is compared. The credit line of the account credit and the amount of the payment are judged whether the electronic commitment payment certificate can be generated and paid.
  • 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
  • a determining module configured to determine whether to allow payment according to the client credit overdraft balance and the payment amount
  • a processing module configured to: when the payment is allowed, freeze the credit overdraft amount corresponding to the payment amount in the client account; generate an electronic commitment payment certificate, send the electronic commitment payment voucher information to the merchant, and synchronize to Information center server.
  • 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 the information center server, and integrate the supervision function into the bank or other institution with credit payment capability
  • the risk of funds can be reduced and the interests of both buyers and sellers can be protected; this solution makes full use of the credit center of the fund management server.
  • the risk control center function of the information center server promotes network transactions and secures transaction funds with a more optimized credit mechanism, provides a credit medium for both parties to the transaction, and reduces the risk of funds through the supervision of funds to protect the interests of both parties.
  • 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 the same fund management server according to Embodiment 1 of the present invention
  • FIG. 2 is a flowchart of a payment method based on the same fund management server according to Embodiment 2 of the present invention
  • FIG. 3 is a flowchart of a payment method based on the same fund management server according to Embodiment 3 of the present invention.
  • FIG. 4 is a flowchart of a payment method based on the same fund management server according to Embodiment 4 of the present invention.
  • FIG. 5 is a flowchart of a payment method based on the same fund management server according to Embodiment 5 of the present invention.
  • FIG. 6 is a flowchart of a payment method based on the same fund management server according to Embodiment 6 of the present invention.
  • FIG. 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.
  • 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, an information center server 40, and a fund management server 30.
  • the server 30 is connected to the client 10, the merchant 20, and the information center server 40, respectively:
  • 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.
  • 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 30 and/or the information center server.
  • the account information of the client 10 includes information such as a user ID, an account bank, an account name, a bank account number, a credit limit, and the like, and may also include a customer's receipt/service address information.
  • the payment request information is information such as filling in/confirming the receipt/service address after the user selects to purchase a specific product/service, and the client 10 generates data according to the price of the product/service and the merchant to which the product/service belongs according to a preset rule.
  • the packet is sent to the 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.
  • 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.
  • 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. And the credit amount or the fund balance 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 transmitting the electronic commitment payment voucher information to the merchant terminal 20, and synchronizing to the information center server 40 .
  • 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.
  • the information center server 40 is connected to the fund management server 30 for storing electronic commitment payment voucher information of the client 10 and the merchant terminal 20.
  • both the client 10 and the merchant 20 can obtain the electronic commitment payment credential information from the information center server 40 through the Internet for subsequent processing, such as using the data to verify whether the two-channel verification information is correct or not.
  • 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.
  • 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.
  • the fund management server and the information center server supervise the information of the buyer and the seller, and integrate the supervision function into the bank or other institutions with credit payment capabilities.
  • 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:
  • 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.
  • 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.
  • 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 step further includes: the fund management server queries the client account balance from the database; determines whether the client credit overdraft limit is greater than or equal to the payment amount, and if yes, allows the current payment; otherwise, the current payment is terminated.
  • 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 use of account fund balance payments, which can save payment cycles and protect the interests of customers.
  • the fund management server freezes the credit overdraft amount corresponding to the payment amount in the client account
  • the account 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 credit overdraft limit to ensure that there are sufficient credit overdraft quotas 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, which can be followed by the client, the merchant or the logistics company.
  • the fund management server After the delivery information is sent to confirm the delivery is completed, transfers the funds equal to the payment funds to the merchant account.
  • the fund management server generates an electronic commitment payment voucher
  • 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 quota, and generates an electronic commitment payment certificate according to the payment information, and the merchant provides the corresponding goods/services according to the electronic commitment payment certificate.
  • S105 Send an electronic commitment payment certificate to the merchant to perform credit commitment payment for the client and synchronize to the information center server.
  • the generated electronic voucher information is sent to the information center server, so that the information center server performs subsequent tracking.
  • a payment method based on the same 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 credit amount of the buyer's account, and freezes the credit overdraft limit of the client 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.
  • 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.
  • the fund management server determines and synchronizes the settlement information to the information center server.
  • the fund management server transfers the funds to the account of the merchant.
  • 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:
  • the fund management server 30 receives the payment request information sent by the client, and the payment request information includes a payment amount.
  • 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.
  • 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.
  • step S203 Query whether the credit overdraft limit of the client account is sufficient, if not, step S204 is performed, otherwise step S207 is performed;
  • step S204 query whether the balance of the client account is sufficient, if not, terminate the payment, otherwise step S207;
  • the account credit overdraft limit is sufficient to pay
  • the credit overdraft amount corresponding to the payment amount in the bank account is frozen
  • the account fund balance is insufficient to pay, and the fund balance is sufficient to pay
  • the fund balance corresponding to the payment amount in the client account is frozen.
  • This step only freezes the credit overdraft balance or fund balance 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, which can be followed by the client, the merchant 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 corresponding amount of funds to the merchant account.
  • the merchant sends and receives the settlement information to the fund management server.
  • the merchant sends and receives the settlement information to the fund management server, which is merely an example.
  • 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.
  • the fund management server synchronizes the settlement information to the information center server.
  • the fund management server synchronizes the updated electronic commitment payment voucher information to the information center server, and when the goods/services are delivered, the corresponding amount can be transferred to the merchant's account.
  • the payment method 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 balance of the fund of the client account or the credit overdraft balance, and generates an electronic Committed 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 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:
  • the fund management server 30 receives the payment request information sent by the client, and the payment request information includes a payment amount.
  • 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.
  • 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.
  • step S203 query the credit account overdraft balance of the client account is sufficient, if not, step S205 is performed, otherwise step S207 is performed;
  • step S205 Query whether the credit loan amount of the client account is sufficient, and if not, terminate the payment, otherwise step S207 is performed;
  • the fund management server will transfer the thawed funds or the equal amount of funds to the merchant account after receiving the payment information.
  • the merchant sends and receives the settlement information to the fund management server.
  • the merchant sends and receives the settlement information to the fund management server, which is merely an example.
  • 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.
  • the fund management server synchronizes the settlement information to the information center server.
  • the fund management server synchronizes the updated electronic commitment payment voucher information to the information center server, and when the goods/services are delivered, the frozen funds or equal funds can be transferred to the merchant's account.
  • the payment method based on the frozen fund balance or the credit loan balance 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 of the credit, 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 for a fund credit overdraft limit provided by a preferred embodiment of the present invention is applied to the payment system based on the same fund management server shown in FIG. 1, and the method includes the following steps:
  • 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.
  • 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.
  • the information receiver 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.
  • step S203 query whether the credit overdraft balance of the client account is sufficient, if not, step S204 is performed, otherwise step S207 is performed;
  • step S204 query whether the balance of the client account is sufficient, if not, step S205 is performed, otherwise step S207 is performed;
  • step S205 Query whether the credit loan amount of the client account is sufficient, and if not, terminate the payment, otherwise step S207 is performed;
  • the merchant sends and receives the settlement information to the fund management server.
  • the merchant sends and receives the settlement information to the fund management server, which is merely an example.
  • 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.
  • the fund management server synchronizes the settlement information to the information center server.
  • the money management server synchronizes the updated electronic commitment payment voucher information to the information center server, and when the goods/services are delivered, the frozen funds can be transferred to the merchant's account.
  • the embodiment of the present invention on the basis of the third embodiment, not only facilitates the buyer but also greatly enriches the loan business of the bank or other institutions by increasing the optional function of the credit line; in addition, by increasing the information center server Both parties' electronic commitment payment vouchers are tracked synchronously, effectively combining the trajectory of goods and the trajectory of funds, so that the interests of both buyers and sellers can be effectively protected.
  • a payment method for credit overdraft limit provided by a preferred embodiment of the present invention is applied to the payment system based on the same fund management server shown in FIG. 1, and the method includes the following steps:
  • 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.
  • 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.
  • the information receiver 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.
  • step S203 Query whether the credit overdraft limit of the client account is sufficient, if not, step S204 is performed, otherwise step S207 is performed;
  • step S204 querying the credit account credit of the client account is sufficient, if not, step S204 is performed, otherwise step S207 is performed;
  • step S205 query the client account balance is sufficient, if not, terminate the payment, otherwise step S207;
  • the merchant sends and receives the settlement information to the fund management server.
  • the merchant sends and receives the settlement information to the fund management server, which is merely an example.
  • 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.
  • the fund management server synchronizes the settlement information to the information center server.
  • the money management server synchronizes the updated electronic commitment payment voucher information to the information center server, and when the goods/services are delivered, the frozen funds can be transferred to the merchant's account.
  • the embodiment of the present invention on the basis of the third embodiment, not only facilitates the buyer but also greatly enriches the loan business of the bank or other third party institutions by increasing the optional function of the credit line; in addition, by adding the information center server Simultaneous tracking of the electronic commitment payment vouchers of the buyer and the seller, effectively combining the trajectory of the goods and the flow trajectory of the funds, so that the interests of both buyers and sellers can be effectively protected.
  • 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.
  • 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).
  • 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.
  • the determining module 302 is specifically configured to: query the account fund balance of the client; determine whether the credit overdraft 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 balance of the fund is greater than or 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, the payment ability of the account is determined in turn, and the payment method of the account credit overdraft 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, credit overdraft limit, and credit loan amount are greater than or equal to the payment amount, indicates that the customer has the ability to perform payment behavior, and the payment behavior is allowed at this time.
  • 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 corresponding credit overdraft limit in the client account; generate an electronic commitment payment voucher, send the electronic commitment payment voucher information to the merchant, and synchronize 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 credit overdraft 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 credential information to the merchant 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 corresponding funds to the account of the merchant.
  • the present invention also provides a fund management server, which includes the payment device in the fourth embodiment, which will not be repeated here.
  • the payment device and the fund management server of the embodiment of the present invention determine whether the payment is allowed according to the 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.
  • the payment voucher 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.
  • 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 client 10, a merchant terminal 20, a fund management server 30, and an information center server 50, wherein:
  • the information center server 50 is configured to store and supervise the electronic commitment payment voucher information.
  • 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 the payment is allowed according to the credit amount and the payment amount of the client credit;
  • the determining module 302 is configured to: determine whether the credit overdraft limit of the client account is greater than or equal to the payment amount, and if yes, allow payment; otherwise, further determine whether the fund balance of the client account is greater than or equal to the payment. The amount, if yes, is allowed to pay.
  • the processing module 303 is configured to: when the payment is allowed, freeze the credit overdraft corresponding to the payment amount in the client account; generate an electronic commitment payment voucher, send the electronic commitment payment voucher information to the merchant, 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 merchant.
  • 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.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système de paiement basé sur un serveur de gestion de fonds partagé ainsi qu'un procédé, un dispositif et un serveur associés, appartenant au domaine du commerce électronique. Le procédé comprend les étapes suivantes : réception par un serveur de gestion de fonds d'informations de demande de paiement envoyées par une extrémité client ; comparaison d'une limite de découvert de crédit d'extrémité client et d'un montant de paiement afin de déterminer si un certificat de paiement avec engagement électronique peut être créé ; dans l'affirmative, gel par le serveur de gestion de fonds de la limite de découvert de crédit à l'intérieur du compte de l'extrémité client, la limite de découvert de crédit correspondant au montant du paiement ; génération du certificat de paiement avec engagement électronique pour que le serveur de gestion de fonds s'engage à payer les fonds conformément à une condition convenue, et envoi du certificat de paiement avec engagement électronique à une extrémité commerçant afin d'effectuer un paiement avec ligne de crédit au nom de l'extrémité client, et synchronisation sur un serveur central d'informations. L'utilisation de la solution technique selon la présente invention pour superviser les deux parties dans une transaction permet de réduire le risque financier et de garantir les intérêts des deux parties dans la transaction.
PCT/CN2015/080062 2015-04-30 2015-05-28 Système de paiement basé sur un serveur de gestion de fonds partagé, et procédé, dispositif et serveur associés WO2016173038A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA2987442A CA2987442C (fr) 2015-04-30 2015-05-28 Systeme de paiement base sur un serveur de gestion de fonds partage, et procede, dispositif et serveur associes

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201510219363.9A CN106204008A (zh) 2015-04-30 2015-04-30 基于同一资金服务器的支付系统及其支付方法、装置和服务器
CN201510219363.9 2015-04-30

Publications (1)

Publication Number Publication Date
WO2016173038A1 true WO2016173038A1 (fr) 2016-11-03

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Country Status (3)

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CN (1) CN106204008A (fr)
CA (4) CA3089130C (fr)
WO (1) WO2016173038A1 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102663639A (zh) * 2012-04-23 2012-09-12 重庆先迈通信技术有限公司 议价交易业务网络系统
CN102968715A (zh) * 2012-11-02 2013-03-13 汇付天下有限公司 一种基于信用数据的支付控制方法和系统
CN103996114A (zh) * 2014-05-16 2014-08-20 网银在线（北京）科技有限公司 一种在线支付的方法和装置

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102663639A (zh) * 2012-04-23 2012-09-12 重庆先迈通信技术有限公司 议价交易业务网络系统
CN102968715A (zh) * 2012-11-02 2013-03-13 汇付天下有限公司 一种基于信用数据的支付控制方法和系统
CN103996114A (zh) * 2014-05-16 2014-08-20 网银在线（北京）科技有限公司 一种在线支付的方法和装置

Also Published As

Publication number Publication date
CA2987442A1 (fr) 2016-11-03
CA3082139C (fr) 2023-01-31
CA3089130C (fr) 2023-03-14
CN106204008A (zh) 2016-12-07
CA3082139A1 (fr) 2016-11-03
CA3082132A1 (fr) 2016-11-03
CA2987442C (fr) 2020-09-15
CA3089130A1 (fr) 2016-11-03

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