WO2016173048A1

WO2016173048A1 - Payment system based on shared funds-management server, and method, device and server therefor

Info

Publication number: WO2016173048A1
Application number: PCT/CN2015/080082
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-04-30
Filing date: 2015-05-28
Publication date: 2016-11-03
Also published as: CA2988804A1; CA3094231A1; CN106204007A; CA3190184A1

Abstract

Disclosed are a payment system based on a shared funds-management server, and a method, device and server therefor, belonging to the field of e-commerce. The method comprises: a funds-management server receiving payment request information sent by a client end; comparing the sum of a funds balance and a credit loan limit of the client end with a payment amount to determine whether an electronic commitment payment certificate can be created; if yes, the funds-management server respectively freezing the funds balance and the credit loan limit within a client end account, the funds balance and the credit loan limit corresponding to the payment amount; generating the electronic commitment payment certificate for the funds-management server to commit to pay funds according to an agreed condition, and sending the electronic commitment payment certificate to a merchant end to make a credit commitment payment on behalf of the client end. Using the technical solution of the present invention to supervise both parties in a transaction reduces financial risk, and ensures the interests of both parties in the transaction.

Description

Payment system and method, device and server based on same fund management server

【技术领域】[Technical Field]

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

【背景技术】【Background technique】

E-commerce has become more and more widely used in various commercial trade activities. The so-called e-commerce refers to online shopping for consumers based on browser and server applications in the open Internet environment of commercial trade activities. A business operation model for online transactions and online electronic payments between merchants and various business activities, trading activities, financial activities and related integrated service activities.

At present, many banks or enterprises provide online payment services, allowing customers to operate terminals such as computers and mobile phones to realize online payment. The way of online payment provides customers with great convenience. In the process of online payment, most of the funds are directly paid by using the existing funds or credit cards in the debit card, or the credits in the existing funds or credit cards are directly transferred to a third party institution as a guarantee for the transaction, once the merchant has not provided the goods. When the service is or there is a customer dispute, the security of funds is difficult to guarantee. It can be seen that new payment systems, methods, devices and servers are needed at this stage to reduce the risk of user funds and protect the interests of both buyers and sellers.

【发明内容】 [Summary of the Invention]

In view of this, the technical problem to be solved by the present invention is to provide a payment system, method, device and server based on the same fund management server, so as to reduce the risk of user funds and protect the interests of both buyers and sellers.

The technical solution adopted by the present invention to solve the above technical problems is as follows:

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

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

The merchant terminal is configured to receive an electronic commitment payment certificate sent by the fund management server;

a fund management server, configured to receive payment request information sent by the client; compare the sum of the client's fund balance and the credit loan amount with the payment amount, determine whether an electronic commitment payment voucher can be generated for payment; if so, freeze separately The fund balance and the credit loan amount in the client account, such that the total amount of the freeze is greater than or equal 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 the electronic The promised payment voucher information is sent to the merchant for credit commitment payment for the client.

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

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

Comparing the client fund balance and the credit loan amount with the payment amount, and determining whether an electronic commitment payment certificate can be generated for payment;

If yes, the fund management server respectively freezes the balance of the funds in the client account and the credit loan quota, so that the total amount of the freeze is greater than or equal to the payment amount; and generates an electronic commitment payment certificate carrying all the names of the fund management server, Sending the electronic commitment payment voucher information to the merchant for credit commitment payment for the client.

According to still another aspect of the present invention, a payment device based on the same fund management server is provided, the device comprising a receiving module, a determining module and a processing module, wherein:

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

a determining module, configured to determine whether to allow payment according to the client fund balance and the credit loan amount and the payment amount;

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

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

The payment system, method, device and server based on the same fund management server provided by the invention supervise the information of the buyer and the seller through the fund management server, and merge the supervision function into the bank or other institution with credit payment capability; Freeze the balance of the client account and the credit line of the credit, and generate electronic commitment payment vouchers for real-time monitoring, which can reduce the risk of funds and protect the interests of both buyers and sellers; this program makes full use of the credit center function and the risk control center function of the fund management server. Promote online transactions and secure transaction funds with a more optimized credit mechanism, provide a credit medium for both parties to the transaction, and reduce the risk of funds through the supervision of funds to protect the interests of both parties. In addition, it also facilitates customers by adding loan functions, and enriches the business of banks or other institutions with credit payment capabilities.

【附图说明】 [Description of the Drawings]

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

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

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

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

5 is a block diagram of a module of a payment device based on the same fund management server according to Embodiment 5 of the present invention;

FIG. 6 is a block diagram of a module of a payment system based on the same fund management server according to Embodiment 6 of the present invention.

【具体实施方式】【detailed description】

The present invention will be further described in detail below with reference to the accompanying drawings and embodiments, in order to make the present invention. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

Embodiment 1

As shown in FIG. 1 , a payment system based on the same fund management server is provided in an embodiment of the present invention. The system includes at least one client 10, at least one merchant terminal 20, and a fund management server 30. The fund management server 30 and the client respectively Terminal 10 is connected to merchant terminal 20, wherein:

The client 10 is connected to the fund management server 30 for transmitting payment request information to the fund management server 30, wherein the payment request information includes a payment amount.

Specifically, the client 10 is applicable to a payer (buyer), including a smart device such as a mobile phone, a personal computer, a PAD, etc., and the account information of the client 10 is filled in when the user registers, and is stored in a database of the fund management service, and the client The account information of 10 includes information such as a user ID, an account bank, an account name, a bank account number, a credit limit, and the like, and may also include a customer's receipt/service address information. The payment request information is information such as filling in/confirming the receipt/service address after the user selects to purchase a specific product/service, and the client 10 generates data according to the price of the product/service and the merchant to which the product/service belongs according to a preset rule. The packet is sent to the fund management server 30. The payment request information includes at least a payment amount, and may also include merchant information and commodity information. The merchant information may directly be the merchant payment account, or may uniquely identify the merchant information (such as the merchant ID), and the fund management server 30 searches the database for the bank account information corresponding to the merchant according to the unique identifier of the merchant. In a specific application, the account information of the merchant terminal 20 should be confidential with respect to the client 10, so the merchant information is preferably a merchant ID, and the fund management server 30 uses the relationship between the merchant ID and the payment account to query the merchant's payment account. . That is to say, the client 10 only needs to inform the merchant management server 30 which merchant to pay for which merchandise, and the fund management server 30 can call the merchant's account to realize the payment.

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

Specifically, the merchant terminal 20 is applicable to a payee (seller), and the merchant terminal includes but is not limited to a server, a POS machine, and the like. Merchants include, but are not limited to, manufacturers, agents, logistics companies, etc. The merchant information is also registered when the user opens the account and is stored in the database of the fund management server. The merchant information includes but is not limited to the merchant ID, the merchant name, the merchant account bank, the merchant account name, the merchant bank account and the like. After receiving the electronic commitment payment voucher sent by the fund management server 30, the merchant terminal 20 transmits the designated product delivery destination by extracting the product information and the receipt information in the electronic commitment payment voucher information.

The fund management server 30 is configured to receive the payment request information sent by the client 10, compare the fund balance of the client 10 and the credit loan amount with the payment amount, and determine whether the electronic commitment payment certificate can be issued; if the payment is allowed, the frozen The fund balance corresponding to the payment amount in the client account and the credit loan amount are generated, and the electronic commitment payment certificate promised by the fund management server to cancel the payment according to the agreed condition is generated, and the electronic commitment payment voucher information is sent to the merchant terminal 20.

Specifically, after receiving the data packet of the payment request information, the fund management server 30 parses according to a preset rule to obtain related payment information, and the related payment information includes, but is not limited to, necessary information such as merchant information, product information, and payment amount, that is, Which merchant's product is paid for which product. The fund management server 30 queries whether the sum of the bank fund balance and the credit loan amount of the client account is sufficient for the current settlement. If the balance is insufficient, the payment is terminated. If sufficient, the fund balance corresponding to the payment amount and the credit loan amount are respectively frozen. The total amount of the freeze is greater than or equal to the payment amount, and the transaction is completed after the merchant confirms the delivery or the customer confirms the receipt.

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

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

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

3. Freeze the balance of the funds in the client account and the credit line of the credit, respectively, so that the total amount of the freeze is greater than or equal to the amount of the payment.

Specifically, the fund management server 30 may further determine whether the bank transfer operation is based on the status of the electronic commitment payment voucher information, that is, the request for payment is only to freeze the fund balance and the credit loan amount, and confirm the signing and then perform the transfer and deduction of the credit loan amount.

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

Embodiment 2

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

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

Specifically, the payment request information received by the fund management server includes: merchant information, commodity information, and payment amount, and may further include client information (such as a customer ID). The merchant information may directly be the merchant payment account, or may uniquely identify the merchant information (such as the merchant ID), and the fund management server searches the database for the bank account information corresponding to the merchant according to the unique identifier of the merchant. In a specific application, the account information of the merchant side should be confidential with respect to the client, so the merchant information is preferably a merchant ID, and the fund management server uses the relationship between the merchant ID and the payment account to query the merchant's payment account. That is to say, the client only needs to inform the merchant management server which merchant to pay for which commodity, and the fund management server can call the merchant's account to implement the corresponding payment operation.

S202. Compare the sum of the client's fund balance and the credit loan amount with the payment amount, determine whether the electronic commitment payment certificate can be generated for payment, and if allowed, enter the payment process, otherwise terminate the payment. Understandably, in this embodiment, the fund balance is usually stored in a debit card, and the credit loan amount is usually matched with the credit card.

The step further includes: the fund management server queries the client account balance and the credit loan quota from the database; determines whether the sum of the fund balance and the credit loan amount is greater than or equal to the payment amount, and if so, allows the payment; otherwise, the termination is Pay. The bank account and the credit card account of the client may be that the client informs the fund management server in the payment request information, or the fund management server queries the database according to the client ID, thereby obtaining the fund balance and the credit loan quota of the corresponding account. . Only when the sum of the fund balance and the credit loan amount in the client account 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. In this way, the payment cycle can be saved and the interests of the merchant can be guaranteed.

S203. The fund management server respectively freezes the fund balance corresponding to the payment amount in the client account and the credit overdraft limit, so that the total amount of the freeze is greater than or equal to the payment amount;

In this plan, by freezing the balance of funds and the credit line of credit, the total amount of the freeze is greater than or equal to the amount of the payment; to ensure that there are sufficient funds to complete the transaction, but not directly to the merchant account, thus ensuring the purchase and sale. The interests of both parties, the successor can be sent by the client, merchant or logistics company to confirm the delivery completion. After receiving the payment information, the fund management server deducts the credit line, and the corresponding funds are thawed and transferred to Go to the account of the merchant.

S204. The fund management server generates an electronic commitment payment voucher and sends the voucher to the merchant;

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

S205. Send an electronic commitment payment certificate to the merchant for the client and synchronize to the merchant or the client. For subsequent tracking.

The payment method of the fund balance and the credit loan quota 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 sum of the buyer's fund balance and the credit amount of the credit, and simultaneously freezes the client account respectively. The balance of funds and credit line of credit, and the generation of electronic commitment payment vouchers for real-time monitoring, can reduce the risk of funds and protect the interests of both buyers and sellers.

Embodiment 3

As shown in FIG. 3, a payment method for a fund balance and a credit loan amount 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:

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

The payment request information is composed of a plurality of data packets, and at least includes merchant information, commodity information, and payment amount. It can also include client information such as customer IDs. The merchant information may directly be the merchant payment account, or may uniquely identify the merchant information (such as the merchant ID), and the fund management server searches the database for the bank account information corresponding to the merchant according to the unique identifier of the merchant. In a specific application, the account information of the merchant side should be confidential with respect to the client, so the merchant information is preferably a merchant ID, and the fund management server uses the relationship between the merchant ID and the payment account to query the merchant's payment account. That is to say, the client only needs to inform the merchant management server which merchant to pay for which commodity, and the fund management server can call the merchant's account to implement the corresponding payment operation.

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

S302. Query the sum of the fund balance of the client account and the credit amount of the credit loan, and compare the sum of the fund balance and the credit loan amount with the payment amount. If it is greater than or equal to, the description is sufficient. If it is less than, the description is insufficient. When the fund balance and the credit loan amount are sufficient, step S303 is performed; otherwise, the payment is not made;

S303. The fund management server respectively freezes the fund balance corresponding to the payment amount in the client account and the credit overdraft limit; it can be understood that the corresponding fund balance and the credit loan amount of the frozen payment amount respectively include the following situations:

S304. The fund management server generates an electronic commitment payment voucher;

S305. Send the electronic commitment payment voucher information to the merchant end;

S306. The merchant sends and receives the settlement information to the fund management server.

It should be noted that, in this step S306, the merchant sends and receives the settlement information to the fund management server, which is merely an example. In an actual application, the client, the logistics server, or other entity capable of obtaining the delivery status may also manage the funds. The server sends the settlement information.

S307. The fund management server synchronizes the settlement information to the merchant or the client.

Specifically, the fund management server synchronizes the updated electronic commitment payment voucher information to the merchant or the client, and the updated electronic commitment voucher information can immediately know the circulation status of the commodity, and when the delivery of the commodity/service is completed, the frozen The funds are transferred to the merchant's account.

S308. Transfer the funds corresponding to the frozen quota to the account of the merchant. It can be understood that according to the different freezing method in the step S303, there will be a corresponding matching fund transfer plan, and the corresponding funds will be transferred to the account of the merchant.

S309, the process ends.

The payment method provided by 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 amount of the credit, and simultaneously freezes the balance of the fund of the client account and the credit line of the credit. Therefore, the total amount of freezing is greater than or equal to the payment amount, and the electronic commitment payment certificate is generated for real-time monitoring, which can reduce the capital risk and protect the interests of both buyers and sellers.

Embodiment 4

As shown in FIG. 4, another payment method provided by an 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:

S401. The fund management server receives the payment request information sent by the client.

S402. Query the sum of the fund balance of the client account and the credit loan amount, and compare the sum of the fund balance and the credit loan amount with the payment amount. If it is greater than or equal to, the description is sufficient, and vice versa, the description is insufficient. When the fund balance and the credit loan amount are sufficient, step S403 is performed, otherwise, step S404 is performed;

S403. The fund management server freezes the balance of the funds in the client account and the credit loan quota and the credit loan quota respectively, so that the total amount of the freeze is greater than or equal to the payment amount, and can be specifically divided into the following forms:

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

4. Freeze part of the balance of the funds in the client account and part of the credit line, so that the total amount of the freeze is greater than or equal to the amount of the payment.

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

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

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

S404, asking the client whether it is necessary to issue a credit overdraft quota; if the credit overdraft limit is required, proceeding to step S405, otherwise proceeding to step S411;

S405. Determine whether the credit overdraft limit is sufficient; the sufficient amount herein can be understood to have several situations:

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

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

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

S406. The fund management server freezes the balance of the funds in the client account and the credit loan amount and the credit overdraft limit respectively, so that after the total amount of the freeze is greater than or equal to the payment amount, an electronic commitment payment certificate is generated;

S407. Send the electronic commitment payment voucher information to the merchant end;

S408. The merchant sends and receives the settlement information to the fund management server.

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

S409. The fund management server synchronizes the settlement information to the merchant or the client.

S410. Transfer the funds corresponding to the frozen quota to the account of the merchant. It can be understood that according to the different freezing methods in the step S403, there will be a corresponding matching fund transfer plan, and the corresponding funds will be transferred to the account of the merchant.

S411, the process ends.

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

Embodiment 5

As shown in FIG. 5, a payment device provided by an embodiment of the present invention includes a receiving module 301, a determining module 302, and a processing module 303, where:

The receiving module 301 is configured to receive payment request information sent by the client, where the payment request information includes a payment amount.

Specifically, the payment request information received by the receiving module 301 includes: merchant information, product information, and payment amount, and may further include client information (such as a customer ID). The merchant information may directly be a merchant collection account, or may uniquely identify the merchant's information (such as a merchant ID). In the specific application, the account information of the merchant side should be kept secret relative to the client, so the merchant information is preferably the merchant ID, that is, the client only needs to inform the fund management server which merchant to pay for which commodity, which is adjusted by the device. The account of the merchant is implemented to perform the corresponding payment operation.

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

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

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

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

Preferably, the processing module 303 further includes a freezing unit 3031, a credential generating unit 3032, and a synchronizing unit 3033, wherein:

The freezing unit 3031 is configured to freeze the balance of the funds in the client account and the credit loan amount and the credit loan amount respectively when the payment is allowed, so that the total amount of the freeze is greater than or equal to the payment amount;

a voucher generating unit 3032, configured to generate an electronic commitment payment voucher;

The synchronization unit 3033 is configured to send the electronic commitment payment voucher information to the merchant.

In addition, the processing module 303 may further include a debiting unit configured to, after receiving the disbursement information, synchronize the dissolving information to the merchant or the client, and transfer the frozen corresponding funds to the account of the merchant.

It should be noted that the technical features in the second, third, and fourth embodiments of the foregoing method are applicable to the device, and are not repeated herein.

In addition, the present invention also provides a fund management server, which includes the payment device in the fourth embodiment, which will not be repeated here.

The payment device and the server of the embodiment of the present invention determine whether the payment is allowed according to the balance of the buyer's funds and the credit line of the credit by receiving the payment request information of the client, and simultaneously freeze the funds of the client account and the credit line of the credit, respectively, so that the total amount of the freeze is greater than Or equal to the payment amount, and generate electronic commitment payment vouchers for real-time monitoring, which can reduce the risk of funds and protect the interests of both buyers and sellers. In addition, by increasing the credit overdraft facility, it not only facilitates the buyer, but also greatly enriches the business of banks or other institutions with credit payment capabilities.

Embodiment 6

As shown in FIG. 6, a payment system based on the same fund management server is provided in a preferred embodiment of the present invention. The system includes a client 10, a merchant terminal 20, and a fund management server 30, wherein:

The client 10, including the payment request module 101, is configured to send payment request information to the fund management server 30, wherein the payment request information includes: merchant information, commodity information, and payment amount.

The merchant terminal 20 includes a voucher receiving module 201 and a settlement information transmitting module 202, wherein the voucher receiving module 201 is configured to receive the electronic commitment payment voucher sent by the fund management server 30.

The fund management server 30 includes a receiving module 301, a determining module 302, and a processing module 303, wherein:

The receiving module 301 is configured to receive payment request information sent by the client.

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

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

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

As a preferred embodiment, the receiving module 301 of the money management server 30 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 merchant or after receiving the dissolving information The client, and the corresponding funds that are frozen are transferred to the account of the merchant.

Specifically, since the payment request information is sent by the buyer to the fund management server 30 through the operation of the client 10, the payment information is objectively confirmed by the client 10 and authorized to be paid by the bank. The fund management server 30 respectively freezes the corresponding fund balance and the credit loan quota, and generates an electronic commitment payment certificate according to the payment information, and the electronic commitment payment voucher information includes but is not limited to the commodity information and the payment amount (freezing funds or credit loan quotas or credits) Overdraft limit), delivery address and expiration date, the form is not limited to text, pictures, graphic codes, etc. The electronic voucher serves as a voucher for receiving funds from the merchant terminal 20, and the merchant terminal 20 provides corresponding goods/services according to the electronic commitment payment voucher.

A person of ordinary skill in the art can understand that all or part of the steps in implementing the above embodiments may be controlled by a program to control related hardware, and the program may be stored in a computer readable storage medium, the storage. Media, such as ROM/RAM, disk, CD, etc.

The preferred embodiments of the present invention have been described above with reference to the drawings, and are not intended to limit the scope of the invention. Any modifications, equivalent substitutions and improvements made by those skilled in the art without departing from the scope and spirit of the invention are intended to be included within the scope of the invention.

Claims

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

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

The merchant terminal is configured to receive an electronic commitment payment certificate sent by the fund management server;

a fund management server, configured to receive payment request information sent by the client; compare a sum of a client fund balance and a credit loan amount with a payment amount, determine whether an electronic commitment payment voucher can be generated, and if so, the fund management server respectively Freezing the balance of funds and the credit loan amount in the client account, so that the total amount of the freeze is greater than or equal to the payment amount, and generating an electronic commitment payment certificate 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.
The payment system based on the same fund management server according to claim 1, wherein the fund management server is: a single physical server or a cluster server of a bank; or a single physical server or a cluster server of another institution having credit payment capability.
A payment method based on the same fund management server, the method comprising the following steps:

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

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

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

When the sum of the fund balance of the client account and the credit loan amount is less than the payment amount, the client is asked whether it is necessary to issue a credit overdraft limit; if the credit overdraft limit is required, a full credit overdraft limit is issued to the client account, and the determination is made. Payment is allowed, and if the credit overdraft limit is not required, the payment is terminated.
The payment method based on the same fund management server according to claim 3 or 4, wherein the method further comprises:

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

After receiving the payment information, the fund management server synchronizes the settlement information to the merchant or the client, and transfers the frozen funds to the account of the merchant.
A payment device based on the same fund management server, the device comprising a receiving module, a determining module and a processing module, wherein:

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

The judging module is configured to compare the sum of the client fund balance and the credit loan amount with the payment amount, and determine whether the electronic commitment payment voucher can be opened;

a processing module, configured to freeze the balance of the funds in the client account and the credit loan amount respectively when the payment is allowed, so that the total amount of the freeze is greater than or equal to the payment amount; generate an electronic commitment payment voucher, and send the electronic commitment payment voucher The information is sent to the merchant.
The payment device according to claim 7, wherein said processing module further comprises a freezing unit, a voucher generating unit, and a synchronizing unit, wherein:

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

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

The synchronization unit is configured to send the electronic commitment payment voucher information to the merchant.
The payment device according to claim 8, wherein the processing module further comprises a payment unit, wherein the payment unit is configured to synchronize the cancellation information to the merchant or the client after receiving the cancellation information, and The frozen funds are transferred to the account of the merchant.
A server based on the same money management server, the server comprising the payment device of any one of claims 7-8.