WO2016173050A1 - Système de paiement basé sur un serveur de gestion de fonds partagés, et procédé, dispositif et serveur associé - Google Patents

Système de paiement basé sur un serveur de gestion de fonds partagés, et procédé, dispositif et serveur associé Download PDF

Info

Publication number
WO2016173050A1
WO2016173050A1 PCT/CN2015/080084 CN2015080084W WO2016173050A1 WO 2016173050 A1 WO2016173050 A1 WO 2016173050A1 CN 2015080084 W CN2015080084 W CN 2015080084W WO 2016173050 A1 WO2016173050 A1 WO 2016173050A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
information
credit
management server
client
Prior art date
Application number
PCT/CN2015/080084
Other languages
English (en)
Chinese (zh)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to CA2988438A priority Critical patent/CA2988438C/fr
Publication of WO2016173050A1 publication Critical patent/WO2016173050A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models

Definitions

  • the present invention relates to the field of electronic commerce, and in particular, to a payment system, method, device, and server based on the same fund management server.
  • E-commerce has become more and more widely used in various commercial trade activities.
  • the so-called e-commerce refers to online shopping for consumers based on browser and server applications in the open Internet environment of commercial trade activities.
  • the technical problem to be solved by the present invention is to provide a payment system, method, device and server based on the same fund management server, so as to reduce the risk of user funds and protect the interests of both buyers and sellers.
  • a payment system based on the same fund management server comprising at least one client, at least one merchant, an information center server, and a fund management server, wherein the fund management server is respectively connected to the client, the merchant, and the information center server, among them:
  • the client configured to send, to the fund management server, payment request information including at least a payment amount
  • the merchant terminal is configured to receive an electronic commitment payment certificate sent by the fund management server;
  • a fund management server configured to receive payment request information sent by the client; compare the sum of the credit overdraft limit and the credit loan amount of the client with the payment amount, and determine whether an electronic commitment payment voucher can be generated for payment; if so, respectively Freezing the credit overdraft limit 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 conditions, and
  • the electronic commitment payment voucher information is sent to the merchant for credit commitment payment for the client, and the electronic commitment payment voucher information is synchronized to the information center server;
  • An information center server is configured to store and supervise the electronic commitment payment voucher information.
  • a payment method based on the same money management server comprising the steps of:
  • the fund management server receives the payment request information sent by the client, where the payment request information includes at least the payment amount;
  • the electronic commitment payment voucher information is sent to the merchant for credit commitment payment for the client, and the electronic commitment payment voucher information is synchronized to the information center server.
  • a payment device based on the same fund management server, the device comprising a receiving module, a determining module and a processing module, wherein:
  • a receiving module configured to receive payment request information sent by the client, where the payment request information includes a payment amount
  • the determining module is configured to determine whether to allow payment according to the client credit overdraft limit and the credit loan amount and the payment amount;
  • a processing module configured to freeze the credit overdraft limit and the credit loan quota in the client account respectively when the payment is allowed, such 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 commitment
  • the voucher information is sent to the merchant and synchronized to the information center 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 the information center server, and integrate the supervision function into the bank or other institution with credit payment capability
  • the financial risk can be reduced and the interests of both buyers and sellers can be protected
  • the credit center of the server and the risk control center of the information center server promote the network transaction and ensure the security of the 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, and secure the transaction.
  • 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 the same fund management server according to Embodiment 1 of the present invention
  • FIG. 2 is a flowchart of a payment method based on the same fund management server according to Embodiment 2 of the present invention
  • FIG. 3 is a flowchart of a payment method based on the same fund management server according to Embodiment 3 of the present invention.
  • FIG. 4 is a flowchart of a payment method based on the same fund management server according to Embodiment 4 of the present invention.
  • FIG. 5 is a 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.
  • a payment system based on the same fund management server is provided in an embodiment of the present invention.
  • the system includes at least one client 10, at least one merchant terminal 20, an information center server 40, and a fund management server 30.
  • the server 30 is connected to the client 10, the merchant 20, and the information center server 40, respectively:
  • the client 10 is connected to the fund management server 30 for transmitting payment request information to the fund management server 30, wherein the payment request information includes a payment amount.
  • the client 10 is applicable to a payer (buyer), including a smart device such as a mobile phone, a personal computer, a PAD, etc., and the account information of the client 10 is filled in when the user registers, and is stored in the fund management service and/or the information center server.
  • the account information of the client 10 includes information such as a user ID, an account bank, an account name, a bank account number, a credit limit, and the like, and may also include a customer's receipt/service address information.
  • the payment request information is information such as filling in/confirming the receipt/service address after the user selects to purchase a specific product/service, and the client 10 generates data according to the price of the product/service and the merchant to which the product/service belongs according to a preset rule.
  • the packet is sent to the fund management server 30.
  • the payment request information includes at least a payment amount, and may also include merchant information and commodity information.
  • the merchant information may directly be the merchant payment account, or may uniquely identify the merchant information (such as the merchant ID), and the fund management server 30 searches the database for the bank account information corresponding to the merchant according to the unique identifier of the merchant.
  • the account information of the merchant terminal 20 should be confidential with respect to the client 10, so the merchant information is preferably a merchant ID, and the fund management server 30 uses the relationship between the merchant ID and the payment account to query the merchant's payment account. . That is to say, the client 10 only needs to inform the merchant management server 30 which merchant to pay for which merchandise, and the fund management server 30 can call the merchant's account to realize the payment.
  • the merchant terminal 20 is connected to the fund management server 30 for receiving the electronic commitment payment certificate sent by the fund management server 30.
  • the merchant terminal 20 is applicable to a payee (seller), and the merchant terminal includes but is not limited to a server, a POS machine, and the like. Merchants include, but are not limited to, manufacturers, agents, logistics companies, etc.
  • the merchant information is also registered when the user opens the account and is stored in the database of the fund management server and/or the information center server.
  • the merchant information includes but is not limited to the merchant ID, the merchant name, the merchant account bank, the merchant account name, the merchant bank account, and the like. .
  • the merchant terminal 20 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 credit overdraft limit and the credit loan amount of the client 10 with the payment amount, and determine whether the electronic commitment payment certificate can be issued; if the payment is allowed, Freezing the credit overdraft limit and the credit loan amount corresponding to the payment amount in the client account, generating an electronic commitment payment certificate promised by the fund management server to cancel the payment according to the agreed condition, and transmitting the electronic commitment payment voucher information to the merchant terminal 20, and Synchronize to information center server 40 .
  • the fund management server 30 parses according to a preset rule to obtain related payment information, and the related payment information includes, but is not limited to, necessary information such as merchant information, product information, and payment amount, that is, Which merchant's product is paid for which product.
  • the fund management server 30 queries whether the sum of the bank credit overdraft limit and the credit loan amount of the customer account is sufficient for the current settlement. If the balance is insufficient, the payment is terminated. If sufficient, the credit overdraft limit and the credit loan amount corresponding to the payment amount are respectively frozen. Therefore, 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.
  • the corresponding credit overdraft limit and credit loan amount corresponding to the freezing of the payment amount respectively include the following situations:
  • the information center server 40 is connected to the fund management server 30 for storing and supervising the electronic commitment payment voucher information of the client 10 and the merchant terminal 20.
  • both the client 10 and the merchant 20 can obtain the electronic commitment payment credential information from the information center server 40 through the Internet for subsequent processing, such as using the data to verify whether the two-channel verification information is correct or not.
  • the fund management server 30 can further determine whether the payment operation is based on the status of the electronic commitment payment voucher information, that is, the request payment is only to freeze the credit overdraft limit and the credit loan amount, and confirm the receipt and deduction of the credit loan amount.
  • the same fund management server 30 can also be connected to the plurality of clients 10 and the plurality of merchant terminals 20 via the Internet at the same time. That is, the server where the merchant 20 account is located and the server where the client 10 is located are both the same fund management server 30.
  • the same fund management server 30 can be a single server in a physical sense, or can be multiple servers in a physical sense, such as multiple physical servers working in parallel, automatically allocating server resources according to different traffic volumes, and jointly implementing fund management. .
  • the money management server includes, but is not limited to, servers in organizations such as banks and enterprises. In practical applications, it can be understood as a cluster fund management server of the same bank, but it is not limited to banks.
  • the fund management server and the information center server supervise the information of the buyer and the seller, and integrate the supervision function into the bank or other institutions with credit payment capabilities.
  • a payment method based on the same fund management server is applied to a fund management server according to an embodiment of the present invention.
  • the method includes the following steps:
  • the fund management server receives the payment request information sent by the client, and the payment request information includes at least the payment amount.
  • the payment request information received by the fund management server includes: merchant information, commodity information, and payment amount, and may further include client information (such as a customer ID).
  • the merchant information may directly be the merchant payment account, or may uniquely identify the merchant information (such as the merchant ID), and the fund management server searches the database for the bank account information corresponding to the merchant according to the unique identifier of the merchant.
  • the account information of the merchant side should be confidential with respect to the client, so the merchant information is preferably a merchant ID, and the fund management server uses the relationship between the merchant ID and the payment account to query the merchant's payment account. That is to say, the client only needs to inform the merchant management server which merchant to pay for which commodity, and the fund management server can call the merchant's account to implement the corresponding payment operation.
  • the credit overdraft limit is usually stored in a credit card, and the credit loan amount is usually matched with the credit information.
  • the step further includes: the fund management server querying the account credit overdraft limit and the credit loan quota of the client from the database; determining whether the sum of the credit overdraft limit and the credit loan amount is greater than or equal to the payment amount, and if so, allowing the payment; otherwise Termination of this payment.
  • the bank account and the credit card account of the client may be the client notifying the fund management server in the payment request information, or the fund management server may query the database according to the client ID, thereby obtaining the credit overdraft limit and the credit loan of the corresponding account. Amount. Only when the sum of the credit overdraft limit 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.
  • the fund management server respectively freezes the credit overdraft limit and the credit overdraft limit corresponding to the payment amount in the client account, so that the total amount of the freeze is greater than or equal to the payment amount;
  • the credit overdraft limit and the credit loan quota are respectively frozen, so that the total amount of the freeze is greater than or equal to the payment amount; to ensure that there are sufficient funds to complete the transaction, but not directly to the merchant account, thus ensuring
  • the interests of the buyer and the seller, the successor may be sent by the client, the merchant or the logistics company to confirm the delivery completion, and after receiving the payment information, the fund management server deducts the credit line and the credit overdraft limit, and corresponding The funds are thawed and transferred to the account at the merchant.
  • the fund management server generates an electronic commitment payment voucher and sends the voucher to the merchant;
  • 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 credit overdraft limit or the credit loan quota, and generates an electronic commitment payment certificate according to the payment information
  • 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)
  • the loan 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.
  • the generated electronic voucher information is sent to the information center server, so that the information center server performs subsequent tracking.
  • the payment method of the credit overdraft limit 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 credit overdraft limit of the buyer and the credit amount of the credit, and simultaneously freezes the client respectively.
  • the account credit limit and the credit line of the credit 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 method for a credit overdraft limit and a credit loan quota provided by a preferred embodiment of the present invention is applied to the payment system based on the same fund management server shown in FIG. 1, and the method includes the following steps:
  • the client sends payment request information to the fund management server, where the payment request information includes 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.
  • the account information of the merchant side should be confidential with respect to the client, so the merchant information is preferably a merchant ID, and the fund management server uses the relationship between the merchant ID and the payment account to query the merchant's payment account. That is to say, the client only needs to inform the merchant management server which merchant to pay for which commodity, and the fund management server can call the merchant's account to implement the corresponding payment operation.
  • the manner in which the client sends the payment request information to the fund management server can be performed in an existing manner, such as by using a digital signature or a digital envelope.
  • a digital signature is data obtained by a user encrypting a hash digest of the original data with his or her private key.
  • the information receiver obtains the hash digest after decrypting the digital signature attached to the original information using the public key of the information sender, and can confirm whether the original information is obtained by comparing with the hash sum generated by the original data received by the user. Was tampered with. This ensures the non-repudiation of data transmission.
  • Digital envelopes use cryptographic techniques to ensure that only the intended recipient can read the content of the message. A single key cryptosystem and a public key cryptosystem are used in the digital envelope.
  • the sender of the information first encrypts the information by using a randomly generated symmetric cipher, and then encrypts the symmetric cipher with the public key of the recipient.
  • the symmetric cipher encrypted by the public key is called a digital envelope.
  • the information receiver When transmitting information, when the information receiver wants to decrypt the information, it must first decrypt the digital envelope with its own private key to obtain a symmetric password, in order to use the symmetric password to decrypt the obtained information. This ensures the authenticity and integrity of the data transmission.
  • step S302 Query the sum of the credit overdraft limit and the credit loan amount of the client account, and compare the sum of the credit overdraft limit 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 credit overdraft limit and the credit loan amount are sufficient, step S303 is performed; otherwise, the payment is not made;
  • the fund management server respectively freezes the credit overdraft limit and the credit overdraft limit corresponding to the payment amount in the client account; it can be understood that the corresponding credit overdraft limit and the credit loan amount corresponding to the frozen payment amount respectively include the following situations:
  • the fund management server generates an electronic commitment payment voucher
  • the merchant sends and receives the settlement information to the fund management server.
  • the merchant sends and receives the settlement information to the fund management server, which is merely an example.
  • the client, the logistics server, or other entity capable of obtaining the delivery status may also manage the funds.
  • the server sends the settlement information.
  • the fund management server synchronizes the settlement information to the information center server.
  • the fund management server synchronizes the updated electronic commitment payment voucher information to the information center server, and can immediately know the circulation status of the goods from the updated electronic commitment payment voucher information, and when the goods/services are delivered, the frozen funds can be drawn. Payment to the merchant's account.
  • 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 credit overdraft limit of the buyer and the credit amount of the credit, and simultaneously freezes the credit overdraft limit and the credit of the client account respectively.
  • the loan amount is such that the total amount of the freeze is greater than or equal to the payment amount, and the electronic commitment payment certificate is generated and 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.
  • 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:
  • the fund management server receives the payment request information sent by the client.
  • the payment request information is composed of a plurality of data packets, and at least includes merchant information, commodity information, and payment amount. It can also include client information such as customer IDs.
  • the merchant information may directly be the merchant payment account, or may uniquely identify the merchant information (such as the merchant ID), and the fund management server searches the database for the bank account information corresponding to the merchant according to the unique identifier of the merchant.
  • the account information of the merchant side should be confidential with respect to the client, so the merchant information is preferably a merchant ID, and the fund management server uses the relationship between the merchant ID and the payment account to query the merchant's payment account. That is to say, the client only needs to inform the merchant management server which merchant to pay for which commodity, and the fund management server can call the merchant's account to implement the corresponding payment operation.
  • the manner in which the client sends the payment request information to the fund management server can be performed in an existing manner, such as by using a digital signature or a digital envelope.
  • a digital signature is data obtained by a user encrypting a hash digest of the original data with his or her private key.
  • the information receiver obtains the hash digest after decrypting the digital signature attached to the original information using the public key of the information sender, and can confirm whether the original information is obtained by comparing with the hash sum generated by the original data received by the user. Was tampered with. This ensures the non-repudiation of data transmission.
  • Digital envelopes use cryptographic techniques to ensure that only the intended recipient can read the content of the message. A single key cryptosystem and a public key cryptosystem are used in the digital envelope.
  • the sender of the information first encrypts the information by using a randomly generated symmetric cipher, and then encrypts the symmetric cipher with the public key of the recipient.
  • the symmetric cipher encrypted by the public key is called a digital envelope.
  • the information receiver When transmitting information, when the information receiver wants to decrypt the information, it must first decrypt the digital envelope with its own private key to obtain a symmetric password, in order to use the symmetric password to decrypt the obtained information. This ensures the authenticity and integrity of the data transmission.
  • step S402. Query the sum of the credit overdraft limit and the credit loan amount of the client account, and compare the sum of the credit overdraft limit 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 indication is insufficient.
  • step S403 is performed, otherwise, step S404 is performed;
  • the fund management server freezes the credit overdraft limit and the credit loan quota and the credit loan quota in the client account, respectively, so that the total amount of the freeze is greater than or equal to the payment amount, and may be specifically classified into the following forms:
  • step S404 the client is asked whether it is necessary to use the fund balance; if the fund balance needs to be used, step S405 is performed, otherwise the process goes to step S411;
  • the fund balance is considered to be sufficient, and vice versa.
  • the fund balance may also default to the amount of the current payment. For example, when the price of a commodity selected by the customer is 1,500 yuan (payment amount), if the credit overdraft limit and the credit loan amount in the customer account are only 900 yuan, then the fund balance needs to be 600 yuan to reach the allowable payment standard. , to make payment behavior. Of course, it is also feasible to use another method, such as directly calling the fund balance of 1,500 yuan to make payment.
  • the fund management server respectively freezes the credit overdraft limit and the credit loan amount and the fund balance in the client account, 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;
  • the merchant sends and receives the settlement information to the fund management server.
  • the merchant sends and receives the settlement information to the fund management server, which is merely an example.
  • the client, the logistics server, or other entity capable of obtaining the delivery status may also manage the funds.
  • the server sends the settlement information.
  • the fund management server synchronizes the settlement information to the information center server.
  • the fund management server synchronizes the updated electronic commitment payment voucher information to the information center server, and can immediately know the circulation status of the goods from the updated electronic commitment payment voucher information, and when the goods/services are delivered, the frozen funds can be drawn. Payment to the merchant's account.
  • the step of inquiring the fund balance is not only convenient for the buyer, but also greatly enriches the business of the bank or other institution with credit payment capability; in addition, by adding the information center server Simultaneous tracking of the electronic commitment payment vouchers of the buyer and the seller, effectively combining the trajectory of the goods and the flow trajectory of the funds, so that the interests of both buyers and sellers can be effectively protected.
  • a payment device provided by an embodiment of the present invention includes a receiving module 301, a determining module 302, and a processing module 303, where:
  • the receiving module 301 is configured to receive payment request information sent by the client, where the payment request information includes a payment amount.
  • the payment request information received by the receiving module 301 includes: merchant information, product information, and payment amount, and may further include client information (such as a customer ID).
  • the merchant information may directly be a merchant collection account, or may uniquely identify the merchant's information (such as a merchant ID).
  • the account information of the merchant side should be kept secret relative to the client, so the merchant information is preferably the merchant ID, that is, the client only needs to inform the fund management server which merchant to pay for which commodity, which is adjusted by the device.
  • the account of the merchant is implemented to perform the corresponding payment operation.
  • the determining module 302 is configured to determine whether to allow payment according to the client credit overdraft limit and the credit loan amount and the payment amount.
  • the determining module 502 is specifically configured to: query the account credit overdraft limit and the credit loan amount of the client; and determine whether the credit overdraft limit and the credit loan amount of the client account are greater than or equal to the payment amount, and if yes, Allow payment.
  • the payment ability of the sum of the account credit overdraft limit and the credit loan amount is first determined, and the account credit overdraft limit 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 credit overdraft limit and the credit loan amount. Only when the credit overdraft limit and the credit loan amount of the client are greater than or equal to the payment amount, indicates that the customer has the ability to perform the payment behavior, and the payment behavior is allowed at this time.
  • the determining module 302 is further configured to: when the sum of the credit overdraft limit and the credit loan amount of the client account is less than the payment amount, ask the client whether the credit loan quota needs to be issued; if the credit loan quota is required , the credit loan amount is issued to the client account, and the current payment is allowed; 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.
  • a customer may have multiple accounts, and a hybrid payment method may also be employed.
  • the customer can use the payment amount of 900 yuan, and the payment cannot be implemented.
  • Behavior can be implemented by calling the balance of funds of 600 yuan, and having a usage limit of 1,500 yuan.
  • the processing module 303 is configured to, when the payment is allowed, freeze the credit overdraft limit and the credit loan amount and the credit loan quota in the client account, respectively, so that the total amount of the freeze is greater than or equal to the payment amount; generate an electronic commitment payment certificate, and the electronic commitment
  • the payment voucher information is sent to the merchant and synchronized 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, when the payment is allowed, freeze the credit overdraft limit and the credit loan amount and the credit loan amount in the client account, respectively, 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 credential information to the merchant and synchronize to the information center server.
  • processing module 303 may further include a debiting unit configured to, after receiving the disbursement information, synchronize the dissolving information to the information center server, and transfer the frozen corresponding funds to the account of the merchant.
  • the present invention also provides a fund management server, which includes the payment device in the fourth embodiment, which will not be repeated here.
  • the payment device and the server of the embodiment of the present invention determine whether to allow payment according to the credit overdraft limit and the credit loan quota of the buyer by receiving the payment request information of the client, and simultaneously freeze the total amount of funds and the credit amount of the credit loan by freezing the client account respectively. Greater than or equal to the payment amount, 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. In addition, by increasing the ability to call the balance of funds, it not only facilitates the buyer, but also greatly enriches the business of banks or other institutions with credit payment capabilities.
  • the system includes a client 10, a merchant terminal 20, a fund management server 30, and an information center server 50, wherein:
  • the information center server 50 is configured to store and supervise the electronic commitment payment voucher information.
  • the client 10, including the payment request module 101, is configured to send payment request information to the fund management server 30, wherein the payment request information includes: merchant information, commodity information, and payment amount.
  • the merchant terminal 20 includes a voucher receiving module 201 and a settlement information transmitting module 202, wherein the voucher receiving module 201 is configured to receive the electronic commitment payment voucher sent by the fund management server 30.
  • the fund management server 30 includes a receiving module 301, a determining module 302, and a processing module 303, wherein:
  • the receiving module 301 is configured to receive payment request information sent by the client.
  • the determining module 302 is configured to compare the sum of the client credit overdraft limit and the credit loan amount and the payment amount, and determine whether the electronic commitment payment certificate can be issued;
  • the determining module 302 is configured to: determine whether the credit overdraft limit and the credit loan amount of the client account 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, if yes, 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, send the electronic commitment payment voucher information to the merchant, and synchronize to the information center server.
  • the receiving module 301 of the money management server 30 is further configured to receive the dissolving information; the processing module 303 further includes a debiting module configured to synchronize the dissolving information to the information center server after receiving the dissolving information And transfer the frozen funds to the account of the merchant.
  • the payment request information is sent by the buyer to the fund management server 30 through the operation of the client 10, the payment information is objectively confirmed by the client 10 and authorized to be paid by the bank.
  • the fund management server 30 respectively freezes the corresponding fund balance and the credit overdraft limit, 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 quota or credit). 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.

Landscapes

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

Abstract

L'invention concerne un système de paiement basé sur un serveur de gestion de fonds partagés, ainsi qu'un procédé, un dispositif et un serveur associé, qui appartiennent au domaine du commerce électronique. Le procédé consiste à : recevoir, par le biais d'un serveur de gestion de fonds (30), des informations de demande de paiement envoyées par une extrémité client (10) (S201) ; comparer la somme d'une limite de découvert de crédit et d'une limite de prêt de crédit de l'extrémité client (10) avec un montant de paiement afin de déterminer s'il est possible de créer un certificat d'engagement de paiement électronique (S202) ; le cas échéant, geler respectivement, par le biais du serveur de gestion de fonds (30), la limite de découvert de crédit et la limite de prêt de crédit dans le compte d'une extrémité client (10), la limite de découvert de crédit et la limite de prêt de crédit correspondant au montant de paiement (S203) ; générer le certificat d'engagement de paiement électronique pour que le serveur de gestion de fonds (30) s'engage à payer les fonds selon une condition convenue (S204) ; et envoyer le certificat d'engagement de paiement électronique à une extrémité commerçant (20) afin d'effectuer un paiement d'engagement de crédit pour le compte de l'extrémité client (10), et synchroniser avec un serveur de centre d'information (40) (S205). Le procédé permet de sursuperviser les deux parties à une transaction, de réduire le risque financier et de garantir les intérêts des deux parties à la transaction.
PCT/CN2015/080084 2015-04-30 2015-05-28 Système de paiement basé sur un serveur de gestion de fonds partagés, et procédé, dispositif et serveur associé WO2016173050A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA2988438A CA2988438C (fr) 2015-04-30 2015-05-28 Systeme de paiement base sur un serveur de gestion de fonds partages, et procede, dispositif et serveur associe

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201510218110.XA CN106203976A (zh) 2015-04-30 2015-04-30 基于同一资金服务器的支付系统及其支付方法、装置和服务器
CN201510218110.X 2015-04-30

Publications (1)

Publication Number Publication Date
WO2016173050A1 true WO2016173050A1 (fr) 2016-11-03

Family

ID=57198916

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2015/080084 WO2016173050A1 (fr) 2015-04-30 2015-05-28 Système de paiement basé sur un serveur de gestion de fonds partagés, et procédé, dispositif et serveur associé

Country Status (3)

Country Link
CN (1) CN106203976A (fr)
CA (1) CA2988438C (fr)
WO (1) WO2016173050A1 (fr)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107292732A (zh) * 2017-05-26 2017-10-24 中企云链（北京）金融信息服务有限公司 多级云信到期的服务系统及其方法
CN107341728A (zh) * 2017-05-26 2017-11-10 中企云链（北京）金融信息服务有限公司 多级云信的服务系统及其方法
CN112435113A (zh) * 2020-10-14 2021-03-02 中企云链（北京）金融信息服务有限公司 一种基于供应链金融的授信额度管理系统和方法

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2012174075A (ja) * 2011-02-23 2012-09-10 Dainippon Printing Co Ltd 自動構築システム、自動構築サーバ、およびプログラム
CN102760259A (zh) * 2011-04-27 2012-10-31 阿里巴巴集团控股有限公司 一种在线支付方法及设备
CN103186852A (zh) * 2011-12-31 2013-07-03 乐活在线（北京）网络技术有限公司 网络交易的支付方法、装置及系统
CN103827902A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种网络支付的方法及系统
CN103827903A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种利用网络支付的方法及系统

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2012174075A (ja) * 2011-02-23 2012-09-10 Dainippon Printing Co Ltd 自動構築システム、自動構築サーバ、およびプログラム
CN102760259A (zh) * 2011-04-27 2012-10-31 阿里巴巴集团控股有限公司 一种在线支付方法及设备
CN103186852A (zh) * 2011-12-31 2013-07-03 乐活在线（北京）网络技术有限公司 网络交易的支付方法、装置及系统
CN103827902A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种网络支付的方法及系统
CN103827903A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种利用网络支付的方法及系统

Also Published As

Publication number Publication date
CA2988438A1 (fr) 2016-11-03
CN106203976A (zh) 2016-12-07
CA2988438C (fr) 2020-10-20

Similar Documents

Publication Publication Date Title
WO2016173046A1 (fr) Système de paiement basé sur un serveur de gestion de fonds, et procédé, dispositif et serveur associé
WO2016173053A1 (fr) Système de paiement basé sur un serveur de gestion de fonds croisés, et procédé, dispositif et serveur associés
WO2016173034A1 (fr) Système de paiement basé sur un serveur de gestion de fonds partagé, et procédé, dispositif et serveur associés
Kristol et al. Anonymous internet mercantile protocol
WO2016173043A1 (fr) Système de paiement basé sur un serveur de gestion de fonds partagés, et procédé, dispositif et serveur correspondants
WO2017012076A1 (fr) Procédé, dispositif et système de détermination de destinataire de certificat électronique
WO2016173049A1 (fr) Système de paiement entre serveurs de gestion de fonds, et procédé, dispositif et serveur
WO2016173044A1 (fr) Système de paiement basé sur un serveur de gestion de fonds croisés, et procédé, dispositif et serveur associé
WO2016173051A1 (fr) Système de paiement basé sur serveur pour la gestion de fonds croisés, et procédé, dispositif et serveur associés
WO2016173057A1 (fr) Système de paiement basé sur un serveur de gestion de fonds croisés, et procédé, dispositif et serveur
WO2016173050A1 (fr) Système de paiement basé sur un serveur de gestion de fonds partagés, et procédé, dispositif et serveur associé
WO2016173045A1 (fr) Système de paiement basé sur un serveur de gestion de fonds partagés, et procédé, dispositif et serveur associé
WO2016173048A1 (fr) Système de paiement basé sur un serveur de gestion de fonds partagés, et procédé, dispositif et serveur correspondants
WO2016172949A1 (fr) Système de paiement basé sur un serveur de fonds croisés et procédé, dispositif et serveur de paiement associés
WO2016173040A1 (fr) Système de paiement basé sur un serveur de gestion de fonds partagé ainsi que procédé, dispositif et serveur associés
WO2016173055A1 (fr) Système de paiement inter-serveur de gestion de fonds ainsi que procédé, dispositif et serveur
WO2016173052A1 (fr) Système de paiement basé sur un serveur de gestion de fonds partagés, et procédé, dispositif et serveur associé
WO2016173047A1 (fr) Système de paiement basé sur un serveur de gestion de fonds croisés, et procédé, dispositif et serveur associés
WO2016173037A1 (fr) Système de paiement basé sur un serveur de gestion de fonds partagés, et procédé, dispositif et serveur associé
WO2016173042A1 (fr) Système de paiement inter-serveur de gestion de fonds, procédé, dispositif et serveur
WO2016173035A1 (fr) Système de paiement basé sur un serveur de gestion de fonds partagé, et procédé, dispositif et serveur associés
WO2016173041A1 (fr) Système de paiement basé sur un serveur partagé de gestion de fonds, et procédé, dispositif et serveur associés
WO2016173039A1 (fr) Système de paiement basé sur différents serveurs de gestion de fonds, et procédé, dispositif et serveur de paiement associés
WO2016173056A1 (fr) Système de paiement basé sur un serveur de gestion de fonds partagé ainsi que procédé, dispositif et serveur associés
WO2016173054A1 (fr) Système de paiement basé sur un serveur de gestion de fonds partagés, et procédé, dispositif et serveur associé

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 15890429

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

ENP Entry into the national phase

Ref document number: 2988438

Country of ref document: CA

122 Ep: pct application non-entry in european phase

Ref document number: 15890429

Country of ref document: EP

Kind code of ref document: A1