WO2016173039A1 - Système de paiement basé sur différents serveurs de gestion de fonds, et procédé, dispositif et serveur de paiement associés - Google Patents

Système de paiement basé sur différents serveurs de gestion de fonds, et procédé, dispositif et serveur de paiement associés Download PDF

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Publication number
WO2016173039A1
WO2016173039A1 PCT/CN2015/080067 CN2015080067W WO2016173039A1 WO 2016173039 A1 WO2016173039 A1 WO 2016173039A1 CN 2015080067 W CN2015080067 W CN 2015080067W WO 2016173039 A1 WO2016173039 A1 WO 2016173039A1
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WO
WIPO (PCT)
Prior art keywords
payment
terminal
management server
information
fund management
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PCT/CN2015/080067
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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
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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 CA2987449A priority Critical patent/CA2987449C/fr
Publication of WO2016173039A1 publication Critical patent/WO2016173039A1/fr

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    • 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 different fund management servers and a payment method, apparatus 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 based on different fund management servers, a method, a device and a server thereof, 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 credit overdraft limit and the payment amount to determine whether an electronic commitment payment voucher can be generated for payment; if so, the second fund management server And freezing an amount corresponding to the payment amount in the first terminal account, generating an electronic commitment payment certificate that is promised by the second fund management server to cancel the payment according to the agreed condition, and sending the electronic commitment payment voucher information to The 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 amount corresponding to the payment amount in the first terminal account; generates an electronic commitment payment certificate that is promised by the second fund management server to cancel the payment according to the agreed condition, and the The electronic commitment payment voucher information is sent to the second terminal for credit commitment payment for the first terminal, 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, where the payment request information includes a payment amount
  • the determining module is configured to determine whether to allow the credit commitment payment according to the first terminal account credit overdraft limit and the payment amount;
  • a processing module configured to: when the payment is allowed, freeze the credit overdraft amount corresponding to the payment amount in the first terminal account; generate an electronic commitment payment voucher, and send the electronic commitment payment voucher information to the second terminal, 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 credit limit of 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 center of the first fund management server and the second fund management server and the risk control center function of the information center server are utilized to promote network transactions and secure 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 block diagram of a module of a payment device 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 system based on different money management servers according to a preferred 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 credit overdraft limit, the first terminal account fund balance, and the first terminal account credit loan amount. Having the ability to pay; if the judgment result is that the payment ability is available, the amount corresponding to the payment amount in the credit limit of the first terminal account is frozen, and the electronic commitment payment voucher is generated according to the payment request information and the freezing information, and then the electronic commitment payment voucher is sent.
  • 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 credit amount of the first terminal account corresponding to the payment amount in the first terminal account
  • This step only freezes the overdraft limit to ensure that there are sufficient funds to complete the transaction, but does not directly transfer the payment to the merchant account, thus protecting the interests of the buyer and the seller, and the successor can be sent by the first terminal, the second terminal or the logistics company.
  • the payment information confirms that the delivery is completed, and after receiving the settlement information, the second fund management server transfers the funds equal to the payment 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 credit overdraft limit, and generates an electronic commitment payment certificate according to the payment information, and the second terminal provides the corresponding commodity/service according to the electronic commitment payment certificate.
  • 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 credit limit of the first terminal account and the payment amount, and freezes the credit overdraft of the first terminal account.
  • the amount, and the generation of electronic commitment payment vouchers 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 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 balance corresponding to the payment amount in the first terminal account or the credit overdraft limit
  • This step only freezes the payment amount or the credit overdraft limit to ensure that there are sufficient funds to complete the transaction, but does not directly transfer the payment to the merchant account, thus protecting the interests of the buyer and the seller, and the successor can be the first terminal and the second terminal.
  • the logistics company sends the settlement information to confirm the delivery is completed, and after receiving the payment information, the fund management server allocates the unfrozen funds or the funds equal to the payment amount to the merchant account.
  • 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 credit limit of the first terminal account of the buyer or the fund balance, and generates an electronic commitment payment voucher to synchronize to the information center.
  • Real-time monitoring by the 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 first terminal account credit overdraft limit and the payment amount to determine whether the electronic commitment payment certificate is generated for credit commitment payment. If the payment is allowed, the process proceeds to S209, otherwise, the process proceeds to step S204.
  • the bank account 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 credit overdraft limit or the credit loan amount in the first terminal account
  • This step only freezes the credit line to ensure that there are sufficient funds to complete the transaction, but does not directly transfer the money to the merchant account, thus protecting the interests of the buyer and the seller, and the successor can be sent by the first terminal, the second terminal or the logistics company.
  • the payment information confirms that the delivery is completed, and after receiving the payment information, the fund management server transfers the thawed funds to the merchant account.
  • 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 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 second fund management server, determines whether the payment is allowed according to the credit limit of the first terminal account of the buyer, and the credit amount of the first terminal account, and simultaneously freezes
  • the payment amount of the first terminal account and the generation of the electronic commitment payment voucher are synchronized to the information center server for real-time monitoring, which can reduce the capital risk and protect the interests of both the buyer and the seller.
  • 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 S204 Compare the account fund balance and the payment amount to determine whether the electronic commitment payment certificate can be generated for payment. If the payment is allowed, the process proceeds to S209, otherwise, the process proceeds to step S205.
  • the second fund management server freezes the balance or the credit line corresponding to the payment amount in the first terminal account
  • This step only freezes the payment amount or the credit line to ensure that there are sufficient funds to complete the transaction, but does not directly transfer the money to the merchant account, thus protecting the interests of the buyer and the seller, and the successor can be the first terminal, the second terminal or
  • the logistics company sends the settlement information to confirm the delivery completion, and after receiving the payment information, the fund management server transfers the thawed funds to the merchant account.
  • 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 credit limit of the first terminal account of the buyer, the amount of the first terminal account, and the credit amount of the first terminal account. Payment, at the same time by freezing the payment amount of the first terminal account, and generating 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 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 balance or the credit line corresponding to the payment amount in the first terminal account
  • This step only freezes the payment amount or the credit line to ensure that there are sufficient funds to complete the transaction, but does not directly transfer the money to the merchant account, thus protecting the interests of the buyer and the seller, and the successor can be the first terminal, the second terminal or
  • the logistics company sends the settlement information to confirm the delivery 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 credits, and generates an electronic commitment payment certificate according to the payment information, and the second terminal provides the corresponding goods/services according to the electronic commitment payment certificate.
  • 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 credit limit and the payment amount of the first terminal account of the buyer, and freezes the balance of the funds of the first terminal account. Or credit line, 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 credit overdraft limit of the first terminal account is greater than or equal to the payment amount, and if yes, allow payment; otherwise, further determine whether the account balance of the account is greater than or equal to the payment. The amount, if yes, is allowed to be paid; 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 a fund balance or a credit line corresponding to the first terminal. . 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.
  • a customer may have multiple accounts, and a hybrid payment method may also be employed.
  • the processing module 303 is configured to: when the payment is allowed, freeze the credit amount corresponding to the payment amount in the first terminal account; generate an electronic commitment payment voucher, and send the electronic commitment payment voucher information to the first money 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 amount corresponding to the payment amount in the first terminal account when the payment is allowed;
  • a voucher generating unit 3032 configured to generate an electronic commitment payment voucher
  • the synchronization unit 3033 is configured to send the electronic commitment payment credential information to the second terminal 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 allocate funds equal to the payment amount 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 by receiving the payment request information of the first terminal, determine whether the payment is allowed according to the credit limit of the first terminal account of the buyer, and simultaneously freeze the fund balance or the credit limit 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.
  • the loan function 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 first fund management server 30 and a second fund management server 40. 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 second fund management server 40, wherein the payment request information includes: merchant information, commodity information, and payment amount.
  • the second terminal 20 includes a credential receiving module 201 and a disbursement information transmitting module 202, wherein the credential receiving module 201 is configured to receive the electronic commitment payment credential sent by the second fund management server 40.
  • the second money management server 40 includes a receiving module 301, a determining module 302, and a processing module 303, wherein:
  • the receiving module 301 is configured to receive payment request information sent by the first terminal 10;
  • the determining module 302 is configured to determine whether to allow the credit commitment payment according to the first terminal account credit overdraft limit and the payment amount;
  • the determining module 302 is configured to: determine whether the credit overdraft limit of the first terminal account is greater than or equal to the payment amount, and if yes, allow payment; otherwise, further determine whether the first terminal account credit loan amount is greater than or It is equal to the payment amount. If yes, the payment is allowed. Otherwise, it is further determined whether the first terminal account fund balance is greater than or equal to the payment amount, and if so, the credit commitment is allowed to be paid.
  • the processing module 303 is configured to: when the credit commitment payment is allowed, freeze the credit amount or the fund amount corresponding to the payment amount in the first terminal account; generate an electronic commitment payment voucher, and send the electronic commitment payment voucher information to the first
  • the second terminal connected to the money management server 30 is synchronized to the information center server 50.
  • the receiving module 301 of the second fund management server 40 is further configured to receive the settlement information; the processing module 303 further includes a debiting module configured to synchronize the dissolving information to the information after receiving the dissolving information.
  • the central server 50 transfers the funds equal to the payment amount to the account of the second terminal 20.
  • the payment request information is sent by the buyer to the second fund management server 40 through the operation of the first terminal 10, the payment information is objectively obtained by the first terminal 10 to confirm and authorize the bank to pay.
  • the second fund management server 40 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 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 différents serveurs de gestion de fonds, et un procédé de paiement, un dispositif et un serveur de gestion de fonds associés, appartenant au domaine du commerce électronique. Le procédé comporte les étapes suivantes: un deuxième serveur de gestion de fonds reçoit des informations de demande de paiement envoyées par un premier terminal; une limite de découvert à crédit du compte du premier terminal est comparée à un montant de paiement pour déterminer si un certificat électronique de paiement d'engagement peut être créé; si oui, le deuxième serveur de gestion de fonds gèle la limite de découvert à crédit au sein du compte du premier terminal, la limite de découvert à crédit correspondant au montant de paiement; le certificat électronique de paiement d'engagement est généré pour que le deuxième serveur de gestion de fonds s'engage à verser des fonds en fonction d'une condition convenue, et le certificat électronique de paiement d'engagement est envoyé à un deuxième terminal pour effectuer un paiement d'engagement de crédit au nom du premier terminal et se synchroniser avec un serveur de centre d'informations. L'utilisation de la solution technique de la présente invention pour superviser les deux parties dans une transaction réduit le risque financier et garantit les intérêts des deux parties de la transaction.
PCT/CN2015/080067 2015-04-30 2015-05-28 Système de paiement basé sur différents serveurs de gestion de fonds, et procédé, dispositif et serveur de paiement associés WO2016173039A1 (fr)

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CA2987449A CA2987449C (fr) 2015-04-30 2015-05-28 Systeme de paiement base sur differents serveurs de gestion de fonds, et procede, dispositif et serveur de paiement associes

Applications Claiming Priority (2)

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CN201510217839.5A CN106204044A (zh) 2015-04-30 2015-04-30 基于不同资金服务器的支付系统及其支付方法、装置和服务器
CN201510217839.5 2015-04-30

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CN110866757B (zh) * 2019-11-19 2024-02-13 神州数码融信软件有限公司 电子账户的透支防止方法及装置
CN111047424A (zh) * 2019-11-22 2020-04-21 上海欧冶金融信息服务股份有限公司 基于服务平台与第三方支付平台债权凭证兑付方法及系统

Citations (4)

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Publication number Priority date Publication date Assignee Title
CN1465027A (zh) * 2001-06-11 2003-12-31 索尼公司 电子货币系统
CN101334885A (zh) * 2008-08-06 2008-12-31 中国工商银行股份有限公司 一种基于网络的账户数据处理系统
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
CN104200356A (zh) * 2014-08-18 2014-12-10 中国建设银行股份有限公司 适用于融资支付的数据处理系统及方法

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1465027A (zh) * 2001-06-11 2003-12-31 索尼公司 电子货币系统
CN101334885A (zh) * 2008-08-06 2008-12-31 中国工商银行股份有限公司 一种基于网络的账户数据处理系统
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
CN104200356A (zh) * 2014-08-18 2014-12-10 中国建设银行股份有限公司 适用于融资支付的数据处理系统及方法

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CA2987449A1 (fr) 2016-11-03
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