WO2016173055A1 - 基于跨资金管理服务器的支付系统及方法、装置、服务器 - Google Patents

基于跨资金管理服务器的支付系统及方法、装置、服务器 Download PDF

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Publication number
WO2016173055A1
WO2016173055A1 PCT/CN2015/080094 CN2015080094W WO2016173055A1 WO 2016173055 A1 WO2016173055 A1 WO 2016173055A1 CN 2015080094 W CN2015080094 W CN 2015080094W WO 2016173055 A1 WO2016173055 A1 WO 2016173055A1
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Prior art keywords
payment
management server
information
credit
fund management
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PCT/CN2015/080094
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English (en)
French (fr)
Inventor
张毅
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深圳市银信网银科技有限公司
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Priority to CA2988818A priority Critical patent/CA2988818C/en
Publication of WO2016173055A1 publication Critical patent/WO2016173055A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures

Definitions

  • the present invention relates to the field of electronic commerce, and in particular, to a payment system and method, device, and server based on a cross-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 and method, device and server based on a cross-fund management server to reduce the risk of user funds and protect the interests of both buyers and sellers.
  • a payment system based on a cross-fund management server comprising: at least one client, at least one merchant, a second fund management server connected to the client by the information center server, and a first fund management server connected to the merchant, A money management server and a second money management server are connected and respectively connected to the information center server, wherein:
  • the client configured to send, to the second 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 second fund management server;
  • a second fund management server configured to receive the payment request information sent by the client; compare the credit extension amount of the client and the credit loan amount and the balance of the fund balance and the payment amount, and determine whether the electronic commitment payment certificate can be generated and paid;
  • the second fund management server respectively freezes the credit overdraft limit and the credit loan amount and the fund balance in the client account, so that the total amount of the freeze is greater than or equal to the payment amount, and the second fund management server promises to agree according to the agreement.
  • the electronically promised payment voucher of the conditional payment fund, and the electronic commitment payment voucher information is sent to the merchant to make a credit commitment payment for the client, and the electronic commitment payment voucher information is synchronized to the information center server;
  • the first fund management server is configured to store the electronic commitment payment voucher information sent by the second fund management server, and allocate the received payment amount to the In the account of the merchant;
  • An information center server is configured to store and supervise the electronic commitment payment voucher information.
  • a payment method based on a cross-capital management server comprising the steps of:
  • the second fund management server receives the payment request information sent by the client, where the payment request information includes at least the payment amount;
  • the second fund management server respectively freezes the credit overdraft limit and the credit loan amount and the fund balance in the client account, so that the total amount of the freeze is greater than or equal to the payment amount; and the second fund management server promises to press An electronic commitment payment voucher for agreeing conditional payment funds, sending the electronic commitment payment voucher information to a merchant terminal connected to the first fund management server, performing credit commitment payment for the client, and transmitting the electronic commitment payment voucher information Synchronize to the information center server.
  • a payment device based on a cross-fund management server 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 second fund management server, where the payment request information includes a payment amount;
  • the determining module is configured to compare the credit extension amount of the client and the credit loan amount and the balance of the fund balance with the payment amount, and determine whether the electronic commitment payment certificate can be issued;
  • a processing module configured to 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; and generate an electronic commitment payment certificate,
  • the electronic commitment payment voucher information is sent to the merchant connected to the first fund management server and synchronized to the information center server.
  • a server based on a cross-capital management server comprising the payment device of any of the preceding claims.
  • the payment system and the method, device and server thereof based on the cross-fund management server provided by the fund management server and the information center server supervise the information of the buyer and the seller, and merge the supervision function into the bank or other institution with credit payment capability
  • the risk of funds can be reduced, and the interests of both buyers and sellers can be protected
  • the credit control center of the fund management server and the risk control center of the information center server promote the network transaction and secure the transaction funds with a more optimized credit mechanism, 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 to the transaction. 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 a cross-fund management server according to Embodiment 1 of the present invention
  • FIG. 2 is a flowchart of a payment method based on a cross-fund management server according to Embodiment 2 of the present invention
  • FIG. 3 is a block diagram of a module of a payment device based on a cross-fund management server according to Embodiment 3 of the present invention.
  • FIG. 4 is a block diagram of a structure of a payment system based on a cross-fund management server according to Embodiment 4 of the present invention.
  • a payment system based on a cross-capital management server includes at least one client 10, at least one merchant terminal 20, an information center server 50, and a first fund management connected to each other.
  • the server 30 and the second money management server 40 wherein:
  • the client 10 is connected to the second money management server 40 for transmitting payment request information to the second money management server 40, 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 second money management server 40.
  • 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 information of the merchant (such as the merchant ID), and the second fund management server 40 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 second fund management server 40 uses the relationship between the merchant ID and the payment account to query the merchant's receipt. Account number. That is to say, the client 10 only needs to inform the second fund management server 40 which product of which merchant pays the amount of money, and the second fund management server 40 can call up the merchant's account to realize the payment.
  • the merchant terminal 20 is connected to the first fund management server 30 for receiving the electronic commitment payment certificate sent by the second fund management server 40.
  • 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 second fund management server 40, transmits the designated product delivery destination by extracting the product information and the receipt information in the electronic commitment payment voucher information.
  • the second fund management server 40 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, and the fund balance with the payment amount, and determine whether the electronic commitment payment certificate can be issued; If the payment is allowed, the credit overdraft limit and the credit loan amount corresponding to the payment amount in the client account and the fund balance are frozen, and an electronic commitment payment vouch which is promised by the second fund management server 40 to cancel the payment according to the agreed condition is generated, and the electronic The promised payment voucher information is sent to the merchant 20 and synchronized to the information center server 50. .
  • the second fund management server 40 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. , which product of which merchant pays which amount.
  • the second fund management server 40 queries whether the bank credit overdraft limit and the credit loan amount of the customer account and the balance of the fund balance are sufficient for the current settlement. If the balance is insufficient, the payment is terminated. If sufficient, the corresponding credit overdraft is frozen. The amount of credit and credit line and the balance of funds make the total amount of the freeze greater than or equal to the amount of the payment, 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 and the fund balance corresponding to the frozen payment amount respectively include the following situations:
  • the information center server 50 is connected to the first fund management server 30 and the second money management server 40, respectively, 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 50 through the Internet for subsequent processing, such as using the data to verify whether the two-channel verification information is correct or not.
  • the second fund management server 40 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 credit overdraft limit and the credit loan amount and the fund balance, and confirm the receipt and then deduct the credit and deduct the credit. Overdraft limit.
  • the second money management server 40 can also be connected to multiple clients 10 and through the Internet at the same time.
  • the first money management server 30 can also be connected to a plurality of merchant terminals 20 and via the Internet at the same time. That is, the server where the merchant 20 account is located is not on the same server as the server where the client 10 is located.
  • the second fund management server 40 and the first money management server 30 may be a single server in a physical sense, or may be multiple servers in a physical sense, such as multiple physical servers working in parallel, and automatically allocated according to different traffic volumes. The resources of the server together realize the management of funds.
  • the second money management server 40 and the first money management server 30 include, but are not limited to, servers in organizations such as banks, businesses, and the like.
  • 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 a cross-fund management server is provided in a fund management server according to an embodiment of the present invention.
  • the method includes the following steps:
  • the client sends payment request information to the second fund management server, where the payment request information includes a payment amount.
  • the payment request information received by the second fund management server includes: merchant information, commodity information, and payment amount, and may further include 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 second fund management server searches the database for the bank account information corresponding to the merchant according to the unique identifier of the merchant.
  • the account information of the merchant side should be confidential with respect to the client, so the merchant information is preferably a merchant ID, and the second fund management server uses the relationship between the merchant ID and the payment account to query the merchant's collection account. That is to say, the client only needs to inform the second fund management server which product of which merchant to pay the amount of money, and the second fund management server can call the merchant account to implement the corresponding payment operation.
  • the second fund management server receives the payment request information sent by the client.
  • step S203 Query the sum of the credit overdraft limit and the credit loan amount and the fund balance of the client account, and compare the sum of the credit overdraft limit and the credit loan amount and the fund balance with the payment amount, and if it is greater than or equal to, the description is sufficient, if less than , the description is not sufficient.
  • step S204 is performed; otherwise, the payment is not made;
  • the second fund management server respectively freezes the credit overdraft limit and the credit loan amount and the fund balance corresponding to the payment amount in the client account; it can be understood that the credit freeze amount and the credit loan amount and the fund balance corresponding to the payment amount are respectively frozen. Including the following situations:
  • the second fund management server generates an electronic commitment payment certificate according to the payment request information and the freezing information, and sends the electronic commitment payment voucher to the merchant terminal;
  • the payment request information is sent by the buyer to the second 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 second fund management server freezes the corresponding funds, and generates an electronic commitment payment certificate according to the payment information, and the merchant provides the corresponding goods/services according to the electronic commitment payment certificate.
  • the second fund management server sends the electronic commitment payment certificate to the merchant end, and synchronizes to the information center server and the first fund management server. Specifically, in this step, the generated electronic voucher information is sent to the information center server, so that the information center server performs subsequent tracking.
  • the second fund management server receives the settlement information.
  • the second fund management server transfers the funds corresponding to the frozen quota to the first fund management server.
  • the first fund management server allocates the received payment amount to the account of the merchant.
  • the payment method provided by the embodiment of the present invention receives the payment request information of the client through the second fund management server, determines whether the payment is allowed according to the sum of the credit account of the client account, the credit amount of the credit, and the balance of the funds, and simultaneously freezes the client account. Within the credit overdraft limit and credit loan quota and fund balance, and generate electronic commitment payment vouchers to the information center server for real-time monitoring, which can reduce the risk of funds and protect the interests of both buyers and sellers.
  • a payment device provided by an embodiment of the present invention includes a receiving module 301, a determining module 302, and a processing module 303, where:
  • the receiving module 301 is configured to receive payment request information sent by a client connected to the second fund management server, where the payment request information includes a payment amount.
  • the payment request information received by the receiving module 301 includes: merchant information, product information, and payment amount, and may further include 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 fund balance and the payment amount.
  • the determining module 302 is specifically configured to: query the account credit overdraft limit and the credit loan amount and the fund balance of the client; determine whether the credit overdraft limit and the credit loan amount of the client account and the fund balance are greater than or equal to the payment amount. When it is, then payment is allowed. In this way, the payment ability of the sum of the account credit overdraft limit and the credit loan amount and the balance of the funds is first determined, and the account credit overdraft limit and the credit loan amount and the payment of the fund balance are preferentially used, thereby saving the payment cycle and protecting the interests of the merchant.
  • the bank account or 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, obtain the corresponding account credit overdraft limit and the credit amount and the fund. Balance. Only when the client's credit overdraft limit and credit loan amount and the fund balance are greater than or equal to the payment amount, indicates that the customer has the ability to perform payment behavior, and the payment behavior is allowed at this time.
  • the processing module 303 is configured to, when the payment is allowed, freeze the credit overdraft limit and the credit loan amount and the fund balance in the client account, so that the total amount of the freeze is greater than or equal to the payment amount; generate an electronic commitment payment certificate, and pay the electronic promise
  • the credential information is sent to the merchant connected to the second fund management server 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 fund balance 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 dissolving information, synchronize the dissolving information to the information center server, and allocate the frozen corresponding funds to the merchant account in which the first fund management server is located. .
  • the present invention also provides a fund management server, which includes the payment device in the third 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 buyer's credit overdraft limit and the credit loan amount and the fund balance by receiving the payment request information of the client, and simultaneously freeze the credit overdraft limit and the credit loan of the client account respectively.
  • the amount and the balance of funds make the total amount of the freeze 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.
  • by increasing the credit loan quota function it not only facilitates the buyer, but also greatly enriches the business of banks or other institutions with credit payment capabilities.
  • a payment system based on a cross-capital management server is provided in a preferred embodiment of the present invention.
  • the system includes a client 10, a merchant 20, and a second fund management server 40 connected to the client 10, and The first fund management server 30 connected to the merchant terminal 20, and the 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 second fund management server 40, 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 second fund management server 40.
  • the second money management server 40 includes a receiving module 301, a determining module 302, and a processing module 303, wherein:
  • the receiving module 301 is configured to receive payment request information sent by the client.
  • the determining module 302 is configured to compare the sum of the client credit overdraft limit and the credit loan amount and the balance of the fund 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 and the fund balance are greater than or equal to the payment amount, and if yes, allow the payment; otherwise, the payment process is ended.
  • 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 second fund management server 40 is further configured to receive the settlement information; the processing module 303 further includes a debiting module configured to synchronize the dissolving information to the information after receiving the dissolving information.
  • the central server, and the corresponding funds that are frozen are transferred to the account of the merchant.
  • the payment request information is sent by the buyer to the second fund management server 40 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 second fund management server 40 respectively freezes the corresponding credit overdraft limit and the credit loan amount and the fund balance, 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 and the payment amount (freezing funds) Or credit extension or credit line, delivery address and expiration date, the form is not limited to text, pictures, graphic code, etc.
  • the electronic commitment payment certificate is used as a voucher for receiving funds of the merchant terminal 20, and the merchant terminal 20 provides corresponding goods/services according to the electronic commitment payment certificate.

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Abstract

一种基于跨资金管理服务器的支付系统及方法、装置、服务器，属于电子商务领域。其中，该方法包括：第二资金管理服务器接收客户端发送的支付请求信息（S202）；将客户端的授信透支额度和授信贷款额度以及资金余额之和与支付金额进行比较（S203），判断能否开出电子承诺支付凭证；若能，第二资金管理服务器分别冻结客户端账户内与支付金额对应的授信透支额度和授信贷款额度以及资金余额（S204）；生成第二资金管理服务器承诺按约定条件解付资金的电子承诺支付凭证（S205），将该电子承诺支付凭证发送给商户端替所述客户端进行信用承诺支付，并同步到信息中心服务器。该方法将交易双方予以监管能降低资金风险，保障交易双方的利益。

Description

基于跨资金管理服务器的支付系统及方法、装置、服务器
【技术领域】
本发明涉及电子商务领域，尤其涉及一种基于跨资金管理服务器的支付系统及方法、装置、服务器。
【背景技术】
电子商务已越来越广泛地应用于各种商业贸易活动中，所谓电子商务是指在商业贸易活动中，在因特网开放的网络环境下，基于浏览器及服务器应用方式，实现消费者的网上购物、商户之间的网上交易和在线电子支付以及各种商务活动、交易活动、金融活动和相关的综合服务活动的一种商业运营模式。
目前，很多银行或者企业都提供了网络支付的服务，允许客户操作计算机、手机等终端设备来实现网络支付，网络支付的方式为客户提供了很大的便利。而网络支付的过程中，多为使用借记卡内的现有资金或信用卡直接支付，或将现有资金或信用卡内的信用额度直接划拨到第三方机构作为担保进行交易，一旦商户未提供商品或服务时有或者发生客户争议时，资金安全难以得以保证。由此可见，现阶段需要新的支付系统、方法、装置和服务器，以降低用户资金风险，保障买卖双方的利益。
【发明内容】
有鉴于此，本发明要解决的技术问题是提供一种基于跨资金管理服务器的支付系统及方法、装置、服务器，以降低用户资金风险，保障买卖双方的利益。
本发明解决上述技术问题所采用的技术方案如下：
一种基于跨资金管理服务器的支付系统，包括至少一个客户端、至少一个商户端、信息中心服务器与客户端连接的第二资金管理服务器和与商户端连接的第一资金管理服务器，所述第一资金管理服务器和第二资金管理服务器连接并分别与所述信息中心服务器连接，其中：
所述客户端，用于向所述第二资金管理服务器发送至少包括有支付金额的支付请求信息；
所述商户端，用于接收所述第二资金管理服务器发送的电子承诺支付凭证；
第二资金管理服务器，用于接收所述客户端发送的支付请求信息；比较客户端授信透支额度和授信贷款额度以及资金余额之和与支付金额，判断能否生成电子承诺支付凭证予以支付；若能，第二资金管理服务器分别冻结所述客户端账户内的授信透支额度和授信贷款额度以及资金余额，使得冻结总额大于或等于所述支付金额，生成由所述第二资金管理服务器承诺按约定条件解付资金的电子承诺支付凭证，并将所述电子承诺支付凭证信息发送给商户端替所述客户端进行信用承诺支付，并将所述电子承诺支付凭证信息同步到所述信息中心服务器；
所述第一资金管理服务器，用于存储所述第二资金管理服务器发送的所述电子承诺支付凭证信息，并根据所述电子承诺支付凭证信息，将接收到的所述支付金额划拨到所述商户端的账户中；
信息中心服务器，用于存储并监管所述电子承诺支付凭证信息。
根据本发明的另一个方面，提供的一种基于跨资金管理服务器的支付方法，该方法包括以下步骤：
第二资金管理服务器接收客户端发送的支付请求信息，其中，支付请求信息至少包括支付金额；
比较所述客户端授信透支额度和授信贷款额度以及资金余额之和与所述支付金额，判断能否生成电子承诺支付凭证予以支付；
若能，所述第二资金管理服务器分别冻结所述客户端账户内的授信透支额度和授信贷款额度以及资金余额，使得冻结总额大于或等于所述支付金额；生成由第二资金管理服务器承诺按约定条件解付资金的电子承诺支付凭证，将所述电子承诺支付凭证信息发送给与第一资金管理服务器连接的商户端替所述客户端进行信用承诺支付，并将所述电子承诺支付凭证信息同步到信息中心服务器。
一种基于跨资金管理服务器的支付装置，所述装置包括接收模块、判断模块和处理模块，其中：
接收模块，设置为接收与所述第二资金管理服务器连接的客户端发送的支付请求信息，其中，所述支付请求信息包括支付金额；
判断模块，设置为比较所述客户端授信透支额度和授信贷款额度以及资金余额之和与所述支付金额，判断能否开出电子承诺支付凭证；
处理模块，设置为当允许支付时，分别冻结所述客户端账户内的授信透支额度和授信贷款额度以及资金余额，使得冻结总额大于或等于所述支付金额；生成电子承诺支付凭证，将所述电子承诺支付凭证信息发送给与所述第一资金管理服务器连接的商户端，并同步到信息中心服务器。
一种基于跨资金管理服务器的服务器，所述服务器包括上述任意一项权利要求所述的支付装置。
本发明提供的基于跨资金管理服务器的支付系统及其方法、装置和服务器，通过资金管理服务器和信息中心服务器对买卖双方的信息进行监管，将监管功能合并到银行或其他具备信用支付能力的机构；同时通过分别冻结客户端账户的授信透支额度和授信贷款额度以及资金余额，并生成电子承诺支付凭证同步到信息中心服务器进行实时监控，能降低资金风险，保障买卖双方的利益；此方案充分利用了资金管理服务器的信用中枢和信息中心服务器的风控中心功能，以更加优化的信用机制促进网络交易和保障交易资金安全，为交易双方提供了信用媒介，还通过对资金的监管能降低资金风险，保障交易双方的利益。此外，还通过增加贷款功能方便了客户，也丰富了银行或其他具备信用支付能力的机构的业务。
【附图说明】
图1为本发明实施例一提供的一种基于跨资金管理服务器的支付系统的示意图；
图2为本发明实施例二提供的一种基于跨资金管理服务器的支付方法的流程图；
图3为本发明实施例三提供的一种基于跨资金管理服务器的支付装置的模块结构图；
图4为本发明实施例四提供的一种基于跨资金管理服务器的支付系统的模块结构图。
【具体实施方式】
为了使本发明所要解决的技术问题、技术方案及有益效果更加清楚、明白，以下结合附图和实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
实施例一
如图1所示，本发明实施例提供的一种基于跨资金管理服务器的支付系统，该系统包括至少一个客户端10、至少一个商户端20，信息中心服务器50以及相互连接的第一资金管理服务器30和第二资金管理服务器40，其中：
客户端10，与第二资金管理服务器40相连接，用于向第二资金管理服务器40发送支付请求信息，其中支付请求信息包括支付金额。
具体地，客户端10适用于付款方（买方），包括手机、个人电脑、PAD等智能设备，客户端10的账户信息是用户注册时填写，并存储在资金管理服务和/或信息中心服务器的数据库中的，客户端10的账户信息包括用户ID、开户银行、账户名称、银行账号、信用额度等信息，还可以包括客户的收货/服务地址信息。支付请求信息是在用户选择购买具体的商品/服务后，填写/确认收货/服务地址等信息，客户端10按预设的规则根据商品/服务的价格、商品/服务所属的商户生成的数据包，将该数据包发送给第二资金管理服务器40。支付请求信息至少包括支付金额，还可以包括商户信息和商品信息。其中，商户信息可以直接是商户收款账号，也可以唯一标识商户的信息（如商户ID），由第二资金管理服务器40根据商户唯一标识从数据库中查找商户对应的银行账号信息。在具体应用中，商户端20的账户信息相对客户端10应该是保密的，故商户信息优选为商户ID，第二资金管理服务器40利用商户ID与其收款账号存在对应的关系来查询商户的收款账号。也就是说，客户端10只需告知第二资金管理服务器40向哪个商户的哪个商品支付多少款项，第二资金管理服务器40便能调出商户的账号实现支付。
商户端20，与第一资金管理服务器30相连接，用于接收第二资金管理服务器40发送的电子承诺支付凭证。
具体地，商户端20适用于收款方（卖方），商户端包括但不限于服务器、POS机等设备。商户包括但不限于生产制造商、代理商、物流公司等。商户信息也是用户开户时进行注册并存储在资金管理服务器和/或信息中心服务器的数据库中的，商户信息包括但不限于商户ID、商户名称、商户开户银行、商户账户名称、商户银行账号等信息。商户端20接收第二资金管理服务器40发送的电子承诺支付凭证后，通过提取电子承诺支付凭证信息中的商品信息和收货信息，将指定商品发送目的地。
第二资金管理服务器40，用于接收客户端10发送的支付请求信息；将客户端10的授信透支额度和授信贷款额度以及资金余额与支付金额进行比较，判断能否开出电子承诺支付凭证；如果允许支付，则冻结客户端账户内支付金额对应的授信透支额度和授信贷款额度以及资金余额，生成由所述第二资金管理服务器40承诺按约定条件解付资金的电子承诺支付凭证，将电子承诺支付凭证信息发送给商户端20，并同步到信息中心服务器50 。
具体地，第二资金管理服务器40接收到支付请求信息的数据包后，按预设的规则进行解析，获取相关支付信息，相关支付信息包括但不限于商户信息、商品信息和支付金额等必要信息，即向哪个商户的哪个商品支付多少款项。第二资金管理服务器40查询客户账户的银行授信透支额度和授信贷款额度以及资金余额之和是否足够本次结算，如果不足，则终止本次支付，如果充足，则分别冻结支付金额相应的授信透支额度和授信贷款额度以及资金余额，使得冻结总额大于或等于所述支付金额，待商户确认发货或者客户确认签收后进行划款操作完成交易。
可以理解，该处分别冻结支付金额相应的授信透支额度和授信贷款额度以及资金余额包括以下几种情形：
1、仅冻结客户端账户内的资金余额，使得冻结总额大于或等于所述支付金额。
2、仅冻结授信贷款额度，使得冻结总额大于或等于所述支付金额。
3、仅冻结授信透支额度，使得冻结总额大于或等于所述支付金额。
4、分别冻结客户端账户内的部分资金余额与部分授信贷款额度，使得冻结总额大于或等于所述支付金额。
5、分别冻结客户端账户内的部分资金余额与部分授信透支额度，使得冻结总额大于或等于所述支付金额。
6、分别冻结客户端账户内的部分授信贷款额度与部分授信透支额度，使得冻结总额大于或等于所述支付金额。
7、分别冻结客户端账户内的授信透支额度与授信贷款额度以及资金余额，使得冻结总额大于或等于所述支付金额。
信息中心服务器50，分别与第一资金管理服务器30和第二资金管理服务器40连接，用于存储并监管客户端10和商户端20的电子承诺支付凭证信息。
具体地，客户端10和商户端20都可以通过互联网向信息中心服务器50获取电子承诺支付凭证信息以便后继的处理，比如利用该数据进行双通道的验证信息的正确与否。第二资金管理服务器40还可以根据电子承诺支付凭证信息的状态进一步确定是否划款操作，即请求支付只是冻结授信透支额度和授信贷款额度以及资金余额，确认签收后再进行划款和扣减授信透支额度。
在本实施例中，第二资金管理服务器40，还可同时与多个客户端10和通过互联网连接。第一资金管理服务器30，还可同时与多个商户端20和通过互联网连接。即商户端20账户所在的服务器与客户端10所在的服务器不在同一服务器上。第二资金管理服务器40和第一资金管理服务器30，可以为物理意义上的单一服务器，也可以为物理意义上的多台服务器，如多台物理服务器并行工作，根据业务量的不同，自动分配服务器的资源，共同实现资金管理。第二资金管理服务器40和第一资金管理服务器30包括但不限于银行、企业等组织中的服务器。实际应用中，可以理解为同一银行的集群资金管理服务器，但并不局限于银行，还可以能在互联网中支持资金流动的其它机构，亦或是其他具备信用支付能力的机构，也就是通常说的第三方机构。通过资金管理服务器和信息中心服务器对买卖双方的信息进行监管，将监管功能合并到银行或其它具备信用支付能力的机构。
实施例二
如图2所示，本发明实施例提供的一种基于跨资金管理服务器的支付方法，应用于资金管理服务器，该方法该包括以下步骤：
S201、客户端向第二资金管理服务器发送支付请求信息，支付请求信息包括支付金额。
具体地，第二资金管理服务器接收的支付请求信息包括：商户信息、商品信息和支付金额，还可以包括客户端信息（如客户ID）。其中，商户信息可以直接是商户收款账号，也可以唯一标识商户的信息（如商户ID），由第二资金管理服务器根据商户唯一标识从数据库中查找商户对应的银行账号信息。在具体应用中，商户端的账户信息相对客户端应该是保密的，故商户信息优选为商户ID，第二资金管理服务器利用商户ID与其收款账号存在对应的关系来查询商户的收款账号。也就是说，客户端只需告知第二资金管理服务器向哪个商户的哪个商品支付多少款项，第二资金管理服务器便能调出商户的账号实施相应的支付操作。
S202、第二资金管理服务器接收客户端发送支付请求信息；
S203、查询客户端账户的授信透支额度和授信贷款额度以及资金余额之和，将所述授信透支额度和授信贷款额度以及资金余额之和与支付金额比较，若大于等于，则说明充足，若小于，则说明不充足。当授信透支额度和授信贷款额度以及资金余额充足时，执行步骤S204，否则结束，不予支付；
S204、第二资金管理服务器分别冻结客户端账户内的支付金额对应的授信透支额度和授信贷款额度以及资金余额；可以理解，该处分别冻结支付金额相应的授信透支额度和授信贷款额度以及资金余额包括以下几种情形：
1、仅冻结客户端账户内的资金余额，使得冻结总额大于或等于所述支付金额。
2、仅冻结授信贷款额度，使得冻结总额大于或等于所述支付金额。
3、仅冻结授信透支额度，使得冻结总额大于或等于所述支付金额。
4、分别冻结客户端账户内的部分资金余额与部分授信贷款额度，使得冻结总额大于或等于所述支付金额。
5、分别冻结客户端账户内的部分资金余额与部分授信透支额度，使得冻结总额大于或等于所述支付金额。
6、分别冻结客户端账户内的部分授信贷款额度与部分授信透支额度，使得冻结总额大于或等于所述支付金额。
7、分别冻结客户端账户内的授信透支额度与授信贷款额度以及资金余额，使得冻结总额大于或等于所述支付金额。
S205、第二资金管理服务器根据支付请求信息和冻结信息生成电子承诺支付凭证，并发送给商户端；
具体地，由于支付请求信息是买方通过客户端操作发送给第二资金管理服务器的，其支付信息客观上是得到了客户确认并授权银行支付的。第二资金管理服务器冻结相应的资金，同时将生成根据支付信息生成电子承诺支付凭证，商户端根据该电子承诺支付凭证提供相应的商品/服务。
S206、第二资金管理服务器将电子承诺支付凭证发送给商户端，并同步到信息中心服务器和第一资金管理服务器。具体地，本步骤将生成的电子凭证信息发送给信息中心服务器，以便信息中心服务器进行后继跟踪。
S207、第二资金管理服务器接收解付信息；
S208、第二资金管理服务器将与所述冻结额度对应的资金划拨到第一资金管理服务器；
S209、第一资金管理服务器将接收到的支付金额划款到商户端的账户内。
本发明实施例提供的支付方法，通过第二资金管理服务器接收客户端的支付请求信息，根据客户端账户授信透支额度和授信贷款额度以及资金余额之和判断是否允许支付，同时通过分别冻结客户端账户内的授信透支额度和授信贷款额度以及资金余额，并生成电子承诺支付凭证同步到信息中心服务器进行实时监控，能降低资金风险，保障买卖双方的利益。
实施例三
如图3所示，本发明实施例提供的一种支付装置，包括接收模块301、判断模块302、处理模块303，其中：
接收模块301，设置为接收与所述第二资金管理服务器连接的客户端发送的支付请求信息，其中，支付请求信息包括支付金额。
具体地，接收模块301接收的支付请求信息包括：商户信息、商品信息和支付金额，还可以包括客户端信息（如客户ID）。其中，商户信息可以直接是商户收款账号，也可以唯一标识商户的信息（如商户ID）。在具体应用中，商户端的账户信息相对客户端应该是保密的，故商户信息优选为商户ID，也就是说，客户端只需告知资金管理服务器向哪个商户的哪个商品支付多少款项，由本装置调出商户的账号实施相应的支付操作。
判断模块302，设置为根据客户端授信透支额度和授信贷款额度以及资金余额和支付金额判断是否允许支付。
作为一种优选的方案，判断模块302具体设置为：查询客户端的账户授信透支额度和授信贷款额度以及资金余额；判断客户端账户的授信透支额度和授信贷款额度以及资金余额是否大于或等于支付金额时，如果是，则允许支付。如此，先判断账户授信透支额度和授信贷款额度以及资金余额之和的支付能力，优先采用账户授信透支额度和授信贷款额度以及资金余额支付的方式，可以节省付款周期，保障商家的利益。其中，客户端的银行账号或者信用卡账号可以是客户端在支付请求信息中告知本装置的，也可以是本装置根据客户端信息从数据库中查询的，获取对应账户授信透支额度和授信贷款额度以及资金余额。只有在客户端的授信透支额度和授信贷款额度以及资金余额大于或等于支付金额时，才表示客户具有进行支付行为的能力，此时才允许进行支付行为。
处理模块303，设置为当允许支付时，分别冻结客户端账户内的授信透支额度和授信贷款额度以及资金余额，使得冻结总额大于或等于所述支付金额；生成电子承诺支付凭证，将电子承诺支付凭证信息发送给与所述第二资金管理服务器连接的商户端，并同步到信息中心服务器。
优选地，处理模块303进一步包括冻结单元3031、凭证生成单元3032和同步单元3033 ，其中：
冻结单元3031，设置为当允许支付时，分别冻结客户端账户内的授信透支额度和授信贷款额度以及资金余额，使得冻结总额大于或等于所述支付金额；
凭证生成单元3032，设置为生成电子承诺支付凭证；
同步单元3033，设置为将电子承诺支付凭证信息发送给商户端，并同步到信息中心服务器。
此外，处理模块303还可以包括划款单元，设置为接收到解付信息后，将解付信息同步到信息中心服务器，并将冻结的相应资金划拨到第一资金管理服务器所在的商户端账户内。
需要说明的是，上述方法实施例二的技术特征在本装置均对应适用，这里不再重述。
此外，本发明还提供了一种资金管理服务器，该资金管理服务器包括实施例三中的支付装置，这里不再重述。
本发明实施例的支付装置和服务器，通过接收客户端的支付请求信息，根据买方的授信透支额度和授信贷款额度以及资金余额判断是否允许支付，同时通过分别冻结客户端账户的授信透支额度和授信贷款额度以及资金余额，使得冻结总额大于或等于所述支付金额，并生成电子承诺支付凭证同步到信息中心服务器进行实时监控，能降低资金风险，保障买卖双方的利益。此外，还通过增加授信贷款额度功能，不仅方便了买方，而且极大丰富了银行或其他具备信用支付能力的机构的业务。
实施例四
如图4所示，本发明优选实施例提供的一种基于跨资金管理服务器的支付系统，该系统包括客户端10、商户端20和与客户端10连接的第二资金管理服务器40，和与商户端20连接的第一资金管理服务器30，以及信息中心服务器50，其中：
信息中心服务器50，用于存储并监管所述电子承诺支付凭证信息。
客户端10，包括支付请求模块101，设置为向第二资金管理服务器40发送支付请求信息，其中，支付请求信息包括：商户信息、商品信息和支付金额。
商户端20，包括凭证接收模块201和解付信息发送模块202,其中，凭证接收模块201设置为接收第二资金管理服务器40发送的电子承诺支付凭证。
第二资金管理服务器40包括接收模块301、判断模块302、和处理模块303，其中：
接收模块301，设置为接收客户端发送的支付请求信息；
判断模块302，设置为比较客户端授信透支额度和授信贷款额度以及资金余额之和与支付金额，判断能否开出电子承诺支付凭证；
作为一种优选实施例，判断模块302设置为：判断客户端账户的授信透支额度和授信贷款额度以及资金余额是否大于或等于支付金额时，如果是，则允许支付，否则，结束支付流程。
处理模块303，设置为当允许支付时，冻结客户端账户内的支付金额对应的额度；生成电子承诺支付凭证，将电子承诺支付凭证信息发送给商户端，并同步到信息中心服务器。
作为一种优选实施例，第二资金管理服务器40的接收模块301还设置为接收解付信息；处理模块303还包括划款模块，设置为接收到解付信息后，将解付信息同步到信息中心服务器，并将冻结的相应资金划拨到商户端的账户内。
具体地，由于支付请求信息是买方通过客户端10操作发送给第二资金管理服务器40的，其支付信息客观上是得到了客户端10确认并授权银行支付的。第二资金管理服务器40分别冻结相应的授信透支额度和授信贷款额度以及资金余额，同时将生成根据支付信息生成电子承诺支付凭证，电子承诺支付凭证信息包括但不限于商品信息、支付金额（冻结资金或授信透支额度或授信贷款额度）、交货地址和有效期，其形式不限于文本、图片、图形码等。该电子承诺支付凭证作为商户端20的接收资金的凭证，商户端20根据该电子承诺支付凭证提供相应的商品/服务。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分步骤是可以通过程序来控制相关的硬件完成，所述的程序可以在存储于一计算机可读取存储介质中，所述的存储介质，如ROM/RAM、磁盘、光盘等。
以上参照附图说明了本发明的优选实施例，并非因此局限本发明的权利范围。本领域技术人员不脱离本发明的范围和实质内所作的任何修改、等同替换和改进，均应在本发明的权利范围之内。

Claims (9)

  1. 一种基于跨资金管理服务器的支付系统，包括至少一个客户端、至少一个商户端、信息中心服务器与客户端连接的第二资金管理服务器和与商户端连接的第一资金管理服务器，所述第一资金管理服务器和第二资金管理服务器连接并分别与所述信息中心服务器连接，其中：
    所述客户端，用于向所述第二资金管理服务器发送至少包括有支付金额的支付请求信息；
    所述商户端，用于接收所述第二资金管理服务器发送的电子承诺支付凭证；
    所述第二资金管理服务器，用于接收所述客户端发送的支付请求信息；比较客户端授信透支额度和授信贷款额度以及资金余额之和与支付金额，判断能否生成电子承诺支付凭证予以支付；若能，第二资金管理服务器分别冻结所述客户端账户内的授信透支额度和授信贷款额度以及资金余额，使得冻结总额大于或等于所述支付金额，生成由所述第二资金管理服务器承诺按约定条件解付资金的电子承诺支付凭证，并将所述电子承诺支付凭证信息发送给商户端替所述客户端进行信用承诺支付，并将所述电子承诺支付凭证信息同步到所述信息中心服务器；
    所述第一资金管理服务器，用于存储所述第二资金管理服务器发送的所述电子承诺支付凭证信息，并根据所述电子承诺支付凭证信息，将接收到的所述支付金额划拨到所述商户端的账户中；
    信息中心服务器，用于存储并监管所述电子承诺支付凭证信息。
  2. 根据权利要求1所述的基于跨资金管理服务器的支付系统，其中，所述资金管理服务器为：银行的单一物理服务器或者集群服务器；或者其他具备信用支付能力的机构的单一物理服务器或者集群服务器。
  3. 一种基于跨资金管理服务器的支付方法，该方法包括以下步骤：
    第二资金管理服务器接收客户端发送的支付请求信息，其中，支付请求信息至少包括支付金额；
    比较所述客户端授信透支额度和授信贷款额度以及资金余额之和与所述支付金额，判断能否生成电子承诺支付凭证予以支付；
    若能，所述第二资金管理服务器分别冻结所述客户端账户内的授信透支额度和授信贷款额度以及资金余额，使得冻结总额大于或等于所述支付金额；生成由第二资金管理服务器承诺按约定条件解付资金的电子承诺支付凭证，将所述电子承诺支付凭证信息发送给与第一资金管理服务器连接的商户端替所述客户端进行信用承诺支付，并将所述电子承诺支付凭证信息同步到信息中心服务器。
  4. 根据权利要求3所述的基于跨资金管理服务器的支付方法，其中，所述方法之前还包括：
    客户端向第二资金管理服务器发送支付请求信息，其中，所述支付请求信息包括：客户信息、商户信息和商品信息。
  5. 根据权利要求3或4中所述的基于跨资金管理服务器的支付方法，其中，所述方法之后还包括：
    第二资金管理服务器接收到解付信息后，将所述解付信息同步到信息中心服务器，并将所述冻结的资金划拨到与所述第一资金管理服务器相连的所述商户端账户。
  6. 一种基于跨资金管理服务器的支付装置，所述装置包括接收模块、判断模块和处理模块，其中：
    接收模块，设置为接收与第二资金管理服务器相连的客户端发送的支付请求信息，其中，所述支付请求信息包括支付金额；
    判断模块，设置为比较所述客户端授信透支额度和授信贷款额度以及资金余额之和与所述支付金额，判断能否开出电子承诺支付凭证；
    处理模块，设置为当允许支付时，分别冻结所述客户端账户内的授信透支额度和授信贷款额度以及资金余额，使得冻结总额大于或等于所述支付金额；生成电子承诺支付凭证，将所述电子承诺支付凭证信息发送给与第一资金管理服务器相连的商户端，并同步到信息中心服务器。
  7. 根据权利要求6所述的支付装置，其中，所述处理模块进一步包括冻结单元、凭证生成单元和同步单元，其中：
    冻结单元，设置为当允许支付时，分别冻结所述客户端账户内的授信透支额度和授信贷款额度以及资金余额，使得冻结总额大于或等于所述支付金额；
    凭证生成单元，设置为生成电子承诺支付凭证；
    同步单元，设置为将所述电子承诺支付凭证信息发送给商户端，并同步到信息中心服务器。
  8. 根据权利要求7所述的支付装置，其中，所述处理模块还包括划款单元，所述划款单元设置为接收到解付信息后，将解付信息同步到信息中心服务器，并将所述冻结的资金划拨到所述商户端的账户。
  9. 一种基于跨资金管理服务器的服务器，所述服务器包括权利要求6-8中任意一项权利要求所述的支付装置。
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