WO2016173057A1 - Cross-funds management server-based payment system, and method, device and server - Google Patents

Abstract

Disclosed are a cross-funds management server-based payment system, and a method, device and server therefor, belonging to the field of e-commerce. The method comprises: a second funds management server receives payment request information sent by a client end; the sum of a credit overdraft limit, a credit loan limit and a funds balance of the client end is compared with a payment amount, and it is determined whether an electronic commitment payment certificate can be opened; if so determined, the second funds management server respectively freezes the credit overdraft limit, the credit loan limit and the funds balance within a client end account, the credit overdraft limit, the credit loan limit and the funds balance corresponding to the payment amount; the electronic commitment payment certificate for the second funds management server to commit to pay funds according to an agreed condition is generated, and the electronic commitment payment certificate is sent to a merchant end to perform 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 cross-fund management server

[Technical Field]

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

 【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.

 [Summary of the Invention]

In view of this, 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.

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

A payment system based on a cross-fund management server includes at least one client, at least one merchant, and a second fund management server connected to the client and a first money management server connected to the merchant, 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 terminal for credit commitment payment for the client;

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.

According to another aspect of the present invention, a payment method based on a cross-capital management server is provided, the method 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;

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

If yes, 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 The electronic commitment payment voucher for agreeing the conditional payment fund, and transmitting the electronic commitment payment voucher information to the merchant terminal connected to the first fund management server for credit commitment payment for the client.

A payment device based on a cross-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 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 money management server.

A server based on a cross-capital management server, the server comprising the payment device of any of the above.

The payment system and the method, device and server thereof based on the cross-fund management server provided by the fund management server 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 credit overdraft limit and credit loan quota and fund balance of the client account, 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 wind of the fund management server. The function of the control center promotes network transactions and secures transaction funds with a more optimized credit mechanism, provides a credit medium for both parties to the transaction, and reduces the risk of funds through the supervision of funds to protect the interests of both parties. In addition, it also facilitates customers by adding loan functions, and enriches the business of banks or other institutions with credit payment capabilities.

 [Description of the Drawings]

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

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

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.

【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 a cross-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 first money management servers 30 and Two fund management servers 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.

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 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. 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 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.

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 second fund management server 40, 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 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 terminal 20.

Specifically, after receiving the data packet of the payment request information, 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.

It can be understood that the corresponding credit overdraft limit and credit loan amount and the fund balance corresponding to the frozen 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. 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.

Specifically, the second fund management server 40 may 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 the fund balance, and confirm the receipt and then perform the payment. Deduct the credit overdraft limit and the credit line.

In this embodiment, 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. 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 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:

S201. The client sends payment request information to the second fund management server, where the payment request information includes a payment amount.

Specifically, 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. 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 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.

S202. The second fund management server receives the payment request information sent by the client.

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. When the credit overdraft limit and the credit loan amount and the fund balance are sufficient, step S204 is performed; otherwise, the payment is not made;

S204. 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:

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. 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.

S205. 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;

Specifically, since 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.

S206. The second fund management server sends the electronic commitment payment certificate to the merchant end, and synchronizes to the first fund management server.

S207. The second fund management server receives the settlement information.

S208. The second fund management server transfers the funds corresponding to the frozen quota to the first fund management server.

S209. 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 for real-time monitoring, it can reduce the risk of funds and protect the interests of both buyers and sellers.

Embodiment 3

As shown in FIG. 4, 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.

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 credit overdraft limit and the credit loan amount, and the fund balance and the payment amount.

As a preferred solution, 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 ability to pay the sum of the account credit overdraft limit and the credit loan amount and the balance of the funds is first determined. 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 voucher information is sent to the merchant connected to the first money management server.

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, 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 voucher information to the merchant.

In addition, the processing module 303 may further include a debiting unit configured to: after receiving the dissolving information, synchronize the dissolving information to the client and the merchant, and transfer the frozen corresponding funds to the merchant end where the first fund management server is located Within the account.

It should be noted that the technical features of the foregoing method embodiment 2 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 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 freezing 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 loan quota function, it not only facilitates the buyer, but also greatly enriches the business of banks or other institutions with credit payment capabilities.

Embodiment 4

As shown in FIG. 4, 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 money management server 30 connected to the merchant terminal 20, wherein:

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, where the payment request information includes a payment amount.

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;

As a preferred embodiment, 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 client and 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 client after receiving the dissolving information The merchant side, 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 second money 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, and 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 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 (9)

1. A payment system based on a cross-fund management server includes at least one client, at least one merchant, and a second fund management server connected to the client and a first money management server connected to the merchant, 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 terminal for credit commitment payment for the client;

   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.
2. The cross-fund management server-based payment system 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.
3. A payment method based on a cross-fund management server, the method comprising the following steps:

   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;

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

   If yes, 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 The electronic commitment payment voucher for agreeing the conditional payment fund, and transmitting the electronic commitment payment voucher information to the merchant terminal connected to the first fund management server for credit commitment payment for the client.
4. The cross-fund management server-based payment method according to claim 3, wherein the method further comprises:

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

   After receiving the settlement information, the second fund management server synchronizes the settlement information to the client and the merchant, and transfers the frozen funds to the merchant account connected to the first fund management server. .
6. A payment device based on a cross-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 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 money management server.
7. The payment device according to claim 6, wherein said processing module further comprises a freezing unit, a voucher generating unit, and a synchronizing unit, wherein:

   The freezing unit is configured to freeze the credit overdraft limit and the credit loan amount and the fund balance in the client account 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 configured to generate an electronic commitment payment voucher;

   The synchronization unit is configured to send the electronic commitment payment voucher information to the merchant.
8. The payment device according to claim 7, wherein said processing module further comprises a payment unit, said payment unit being arranged to synchronize the release information to the client and the merchant after receiving the cancellation information, and The frozen funds are transferred to the account of the merchant.
9. A server based on a cross-fund management server, the server comprising the payment device of any of claims 6-8.