Note: Descriptions are shown in the official language in which they were submitted.
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Title: PAYMENT SYSTEM BASED ON DIFFERENT FUNDS SERVERS, AND PAYMENT
METHOD, DEVICE AND SERVER THEREFOR
[I] [Technical Field]
[2] This invention involves E-commerce field, and especially involves a
payment system based
on different funds servers, and its payment method, device and server.
[3] [Background Technology]
[4] E-commerce has become increasingly widely used in a variety of
commercial trade
activities, the so-called e-commerce is a business operation model that based
on the
browser and server applications helps consumer realize online shopping, online
transactions between merchants and online electronic payments, as well as a
variety of
business activities, trading activities, financial activities and related
integrated service
activities in the commercial trade, and in the Internet open network
environment.
[5] At present, many banks or enterprises have provided a network of
payment services,
allowing customers to operate computers, mobile phones and other terminal
equipment to
achieve network payment, the way of the network payment provides customers
with a great
convenience. But in the process of network payment, the payment is conducted
by directly
using the existing funds in the debit cards or credit card, or allocating the
credit limit of the
existing funds or credit card to the third party as a guarantee for the
transaction, once the
merchant does not provide goods or service, or disputes occur, the financial
security is
difficult to be guaranteed. This shows that at this stage the need for new
payment systems,
methods, devices and Funds-Management server to reduce the risk of user funds
to protect
the interests of buyers and sellers.
[6] Summary of the invention
[7] In view of the above, the technical problem to be solved by the present
invention is to
provide a payment system, and its payment method, device and server based on
different
fund servers to reduce the risk of user funds, and to protect the interests of
buyers and
sellers.
[8] The technical solution of the present invention to solve the above-
mentioned technical
problems is as follows:
[9] According to one aspect of the present invention, there is provided a
payment system based
on a different fund server, comprising at least one first terminal, at least
one second
terminal, a second Funds-Management server connected to the first terminal,
and the first
Funds-Management server connected to the second terminal, the first Funds-
Management
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server connected to the second fund server, wherein:
[10] The said first terminal for delivering payment request information
including at least a
payment amount to the said second Funds-Management server;
[11] The said second terminal for receiving a payment certificate of
electronic commitment
delivered by said first Funds-Management server;
[12] The second funds server is used for receiving payment request
information sent by the first
terminal, comparing the first terminal account's credit overdraft limit with
the payment
amount to determine whether an electronic commitment payment certificate can
be created;
if yes, the second Funds-Management server freezes corresponding amount of the
credit
overdraft limit equal to the payment amount within the first terminal account,
then
generating the electronic commitment payment certificate for the Funds-
Management
server according to an agreed condition, and sending the electronic commitment
payment
certificate to a second terminal to make a credit commitment payment on behalf
of the first
terminal.
[13] The first Funds-Management server is configured to store the
electronic payment document
information transmitted by the second Funds-Management server and allocate the
received
payment amount to the electronic payment document information based on the
electronic
payment document information in the account of the second terminal.
[14] According to another aspect of the present invention, there is
provided a network payment
method based on a different fund server, the method comprises the steps of:
[15] The second Funds-Management server receives the payment request
information delivered
by the first terminal, wherein the payment request information includes at
least the
payment amount;
[16] Comparing the first terminal account credit overdraft limit and the
payment amount to
determine whether or not an electronic commitment payment certificate is to be
paid;
[17] If the said second Funds-Management server is to freeze the amount
corresponding to the
payment amount in the first terminal account; generating an electronic
commitment
payment certificate that is promised to pay the funds by the second Funds-
Management
server according to the agreed condition, And transmits the electronic
commitment
payment certificate information to the second terminal to make a credit
commitment
payment for the first terminal.
[18] According to one more aspect of the present invention, there is a
payment device provided
based on different capital servers, the apparatus is composed of a receiving
module, a
judging module and a processing module.
[19] The receiving module is configured to receive payment request
information transmitted by
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the first terminal, wherein the payment request information includes the
payment amount;
[20] A judgement module configured to determine whether or not to allow a
credit commitment
payment based on the first terminal account credit overdraft limit and the
payment amount;
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The processing module is configured to freeze the corresponding credit
overdraft amount
equal to the payment amount within the first terminal account when payment is
allowed,
generate an electronic commitment payment certificate, and transmit the
electronic
commitment payment certificate information to the second terminal.
According to one more aspect of the present invention, there is a server
provided based on
different capital servers, the server includes the payment apparatus in the
above-described
technical solution.
The invention provides a payment system, and its method, device and server
based on
different fund servers, supervises information of both buyers and sellers
through the first
and second Funds-Management server, and merges the supervisory function into
the bank
or other institutions with the credit payment capacity, meanwhile by freezing
the first
terminal account's overdraft credit amount, and generating electronic payment
certificate, it
can reduce the risk of funds to protect the interests of buyers and sellers;
this solution
makes full use of the risk control center function of the first and second
Funds-Management servers' credit center, promote network transactions and
ensure the
safety of funds by utilizing a more optimized credit mechanism, works as a
credit medium
for the transaction parties, and reduce the risk of funds to protect the
interests of both
parties to the transaction through the supervision of funds. In addition, it
brings
convenience to the customer by adding loan functions, which also enriches
businesses of
banks or other institutions with credit payment ability.
Brief Description
Figure 1 is the schematic diagram of the payment system based on different
fund servers
provided by an example of the present invention;
Figure 2 is the flow chart of the payment method based on different fund
servers provided
by an example of the present invention;
Figure 3 is the flow chart of the payment method based on different fund
servers provided
by an example of the present invention;
Figure 4 is the flow chart of the payment method based on different fund
servers provided
by an example of the present invention;
Figure 5 is the flow chart of the payment method based on different fund
servers provided
by an example of the present invention;
Figure 6 is the flow chart of the payment method based on different fund
servers provided
by an example of the present invention;
Figure 7 is a block diagram of a payment device based on a different funds
server provided
by an example of the present invention;
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Figure 8 is the block diagram of the payment system based on different fund
servers
provided by an example of the present invention. Description of the Preferred
Examples
The present invention will be described in further detail with reference to
the
accompanying drawings and the accompanying drawings, in which the technical
problems,
technical solutions and advantages to be solved by the present invention will
become more
apparent. It is to be understood that the specific examples described herein
are merely
illustrative of the invention and are not intended to limit the invention.
Correction page (Rule 91) ISA/CN
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[36] Example 1
[37] As shown in Figure 1, an example of the present invention provides the
payment system
based on a different funds server, which includes at least one first terminal
10, at least one
second terminal 20, a connected first Funds-Management server 30, a second
Funds-Management server 40, a first Funds-Management server 30 and a second
terminal
20 for operating the account of the second terminal 20, and the second Funds-
Management
server 40 is connected to the first terminal 10 for operating the account of
the first terminal
10, wherein:
[38] The first terminal 10 is configured to transmit the payment request
information to the
second Funds-Management server 40, wherein the payment request information
includes
the payment amount.
[39] Specifically, the first terminal 10 is suitable for the payment party,
such as a terminal used
by a client, including mobile phone, personal computer, PAD, etc., the account
information
of the first terminal 10 is filled in when the customer registers and stored
in the database of
the Funds-Management service 40, the account information of the first terminal
10
includes customer ID, an account opening bank, account name, a bank account
number, a
credit balance, and so on, and may also include the customer's shipping
address. The
payment request information is the information such as the price (payment
amount), the
receipt address and the like after the customer purchases the specific goods /
services, and
the first terminal 10 according to the pre-set rule, transmits the packet to
the second
Funds-Management server 40 according to the price of the goods / services, the
goods /
services.
[40] The second Funds-Management server 40 receives the payment request
information
transmitted from the first terminal 10, and judges whether or not the account
has payment
capacity based on the payment amount, the first terminal account credit
overdraft amount,
the first terminal account fund balance, and the first terminal account credit
loan limit. If
the judgement result is yes, the amount corresponding to the payment amount in
the credit
amount of the first terminal account is frozen and the electronic payment
certificate is
generated based on the payment request information and the freezing
information, and then
the electronic payment certificate transmitted to the second terminal and to
the first
Funds-Management server synchronously.
[41] The second terminal 20 is configured to receive the electronic payment
document
information transmitted from the second Funds-Management server 40.
[42] Specifically, the second terminal 20 is adapted to the recipient
(merchant), and the second
terminal includes but not limited to devices such as servers, and POS
machines. Merchants
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include but not limited to manufacturers, agents, and logistics companies. The
merchant
information is also registered in the database of the first Funds-Management
server 30, and
the merchant information includes, but is not limited to, merchant ID,
merchant name,
merchant bank, merchant account name, merchant bank account number, etc.
[43] The first Funds-Management server 30 is configured to receive and
store the electronic
payment certificate information transmitted from the second Funds-Management
server 40
and to allocate the received payment amount to the account of the second
terminal based
on the electronic payment certificate.
[44] Where the electronic payment certificate information is the key
information in the payment
behaviour, it facilitates subsequent follow-up of the electronic payment
certificate
information, and verifies whether there is an exception in the payment
behaviour.
[45] In the present example, more than one first terminals 10 are connected
to the second
Funds-Management server 40 via the Internet, and more than one secondary
terminals 20
are connected to the first Funds-Management server 30 via the Internet, that
is, the server
where the second terminal 20 are at and the server where the first terminal 10
are located
are both Funds-Management servers. The Funds-Management server can be a single
servers in a physical sense, e.g., they can work in parallel, and the
resources of the server
are automatically allocated to realize the Funds-Management according to the
different
traffic. The Funds-Management server includes but not limited to servers in
organizations
such as banks, businesses, and so on. In practical applications, it can be
seen as the same
bank's cluster Funds-Management server, but it is not limited to banks, it
also supports the
flow of funds in other institutions in the Internet. The information of the
first
Funds-Management server 30 and the second Funds-Management server 40 is
supervised,
and the supervisory function is incorporated into a bank or other third party
organization.
[46] Example 2:
[47] As shown in Figure 2, an example of the present invention provides a
payment method
based on a different fund server for use in a Funds-Management server, which
method
comprises the steps of:
[48] S201, the first terminal transmits the payment request information to
the second
funds-management server, and the payment request information includes the
payment
amount.
[49] Specifically, the payment request information received by the second
funds-management
server includes merchant information, product information and payment amount,
and may
include first terminal information such as a customer ID. Among them, the
merchant
information can be merchants' account number, and it can also be the only
identification of
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the merchant information (such as merchant ID), to find the corresponding bank
account
information based on the unique identification of the business from the
database by the
second Funds-Management server. In the specific application, the account
information of
the second terminal should be kept confidential from the first terminal, so
the merchant
information should preferably be the merchant ID, and the second Funds-
Management
server inquires the merchant's receipt by using the corresponding relationship
between the
merchant ID and its receiving account. In other words, the first terminal only
need to
inform the second Funds-Management server to pay how much funds of which goods
belongs to which merchant, the second Funds-Management server will be able to
call out
the merchant account to implement the appropriate payment operation.
[50] S202, the second Funds-Management server receives the first terminal
to deliver the
payment request information;
[51] S203, by comparing the first terminal account credit line with the
amount of payment
determine whether to generate electronic commitment to pay the certificate, if
allowed to
pay, then go to S209, otherwise, terminate the payment, the end of the
process.
[52] S209, the second Funds-Management server freezes the first terminal
account credit loan
limit corresponding to the payment amount within the first terminal account;
[53] This Step only freezes the credit loan line to ensure that there is
sufficient fund to complete
the transaction, but not directly allocates fund to the merchant account, so
that the interests
of buyers and sellers are guaranteed. Latter, payment information is sent by
the first
terminal, the second terminal or the logistics company to confirm the delivery
is
completed, then after the second Funds-Management server receiving the payment
information, funds equal to the payment are allocated to the first Funds-
Management
server.
[54] S210, the second Funds-Management server generates the electronic
commitment payment
certificate based on the payment request information and the freezing
information, and
transmits the electronic commitment payment certificate to the second
terminal;
[55] Specifically, since the payment request information is delivered by
the buyer to the
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized by the bank. The second
Funds-Management server freezes the corresponding credit line amount, and
generates an
electronic commitment payment certificate based on the payment information,
and the
second terminal provides the corresponding merchandise / service according to
the
electronic commitment payment certificate.
[56] S211, the second funds server sends the electronic payment certificate
to the second
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terminal and synchronizes to the first Funds-Management server;
[57] S212, the second Funds-Management server receives the payment
information;
[58] S213, the second Funds-Management server transfers to the first Funds-
Management
server;
[ S2] S214, the first Funds-Management server transfers the received
payment amount to the
account of the second terminal.
[60] The payment method illustrated by the example of the present invention
can reduce the risk
of funds and protect the interests of buyers and sellers through the second
Funds-Management server receiving the payment request information of the first
terminal,
determining whether or not the payment is permitted based on the first
terminal account
credit loan limit and the payment amount, then at the same time freezing the
credit loan
limit of the first terminal account, and generating electronic commitment
payment
certificate.
[61] Example 3
[62] As shown in Figure 3, an example of the present invention provides a
payment method
based on different fund servers for use in a Funds-Management server, which is
comprised
of the steps as follows:
[63] S201, the first terminal transmits the payment request information to
the second
funds-management server, and the payment request information includes the
payment
amount.
[64] S202, the second Funds-Management server receives the payment request
information sent
by the first terminal;
[65] Specifically, the payment request information received by the second
Funds-Management
server includes merchant information, product information and payment amount,
and it
may also include first terminal information (for an example, client ID). Among
them, the
merchant information can be merchants' account number, and it can also be the
only
identification of the merchant information (such as merchant ID), to find the
corresponding
bank account information based on the unique identification of the business
from the
database by the second Funds-Management server. In the specific application,
the account
information of the second terminal should be kept confidential from the first
terminal, so
the merchant information should preferably be the merchant ID, and the second
Funds-Management server inquires the merchant's receipt by using the
corresponding
relationship between the merchant ID and its receiving account. In other
words, the first
terminal only need to inform the second Funds-Management server to pay how
much funds
of which goods belongs to which merchant, the second Funds-Management server
will be
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able to call out the merchant account to implement the appropriate payment
operation.
[66] S203 compares the first terminal account's loan credit limit and the
amount of payment to
determine whether to generate electronic commitment payment certificate to pay
the credit
commitment, if allowed, go to S209, otherwise S204.
[67] S204 compares the fund balance of the first terminal account and the
amount of payment to
determine whether to generate electronic commitment payment certificate to pay
the credit
commitment, if allowed to pay, enter into S209, or end the process.
[68] Wherein the bank account of the first terminal can be informed to the
second
Funds-Management server by the first terminal in the payment request
information, or can
be queried from the database according to the first terminal ID by the second
Funds-Management server.
[69] S209, the second Funds-Management server will freeze the corresponding
amount of funds
balance or credit loan limit equal to the payment amount in the first terminal
account;
[70] This step only freezes the amount of payment or credit loan limit to
ensure that there is
sufficient funds to complete the transaction, but not directly allocates funds
to the merchant
account, so that the interests of buyers and sellers are guaranteed. Later,
payment
information is sent by the first terminal, the second terminal or the
logistics company to
confirm the delivery is completed, then after the second Funds-Management
server
receiving the payment information, the frozen funds or funds equal to the
payment are
transferred to the merchant account.
[71] S210, the second Funds-Management server generates the electronic
commitment payment
certificate according to the payment request information and the freezing
information;
[72] Specifically, since the payment request information is sent by the
buyer to the second
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized by the bank. The second
Funds-Management server freezes the corresponding amount of funds or credit
overdraft,
and generates an electronic commitment payment certificate based on the
payment
information, and the second terminal provides the corresponding merchandise /
service
according to the electronic commitment payment certificate.
[73] S211, transmits the electronic payment certificate to the second
terminal, and synchronizes
to the first Funds-Management server.
[74] S212, the second Funds-Management server receives the payment
information;
[75] S213, the second Funds-Management server transfers funds to the first
Funds-Management
server;
[76] S214, the first Funds-Management server will transfer the payment
amount received to the
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second terminal account.
[77] The payment method illustrated by the example of the present invention
can reduce the risk
of funds and protect the interests of buyers and sellers through the second
Funds-Management server receiving the payment request information of the first
terminal,
determining whether or not the payment is permitted based on the first
terminal account
credit loan limit and the funds balance, and generating electronic commitment
payment
certificate for real-time monitoring.
[78] Example 4
[79] As shown in Figure 4, an example of the present invention provides a
payment method
based on different fund servers for use in a Funds-Management server, which is
comprised
of the steps as follows:
[80] S201, the first terminal transmits the payment request information to
the second
funds-management server, and the payment request information includes the
payment
amount.
[81] S202, the second Funds-Management server receives the payment request
information sent
by the first terminal.
[82] Specifically, the payment request information received by the funds-
management server
includes merchant information, merchandise information and payment amount, and
may
include first terminal information (e.g., customer ID). Among them, the
merchant
information can be directly the merchant's receiving account, you can also
uniquely
identify the merchant information (for an example, merchant ID), by the
Funds-Management server based on the unique identification of the merchant
from the
database to find the corresponding bank account information. In the specific
application,
the account information of the second terminal should be kept confidential
with respect to
the first terminal, so the merchant information is preferably the merchant ID,
and the
Funds-Management server inquires the merchant's receivable account by using
the
correspondence relationship between the merchant ID and its receiving account.
In other
words, the first terminal only need to inform the Funds-Management server to
pay how
much funds of which goods belongs to which merchant , the Funds-Management
server
will be able to call out the merchant account to implement the appropriate
payment
operation.
[83] S203, the second Funds-Management server compares the first terminal
account's credit
loan limit and the amount of payment to determine whether to generate
electronic
commitment payment certificate to pay the credit commitment, if allowed, the
process
proceeds to S209, otherwise to Step S204.
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[84] Wherein the bank account of the first terminal can be informed to the
Funds-Management
server by the first terminal in the payment request, or can be queried from
the database
according to the first terminal ID by the Funds-Management server.
[85] S204, the second Funds-Management server compares the first terminal
account's credit
loan limit and the amount of payment to determine whether to generate
electronic
commitment payment certificate to pay the credit commitment, if allowed, the
process
proceeds to S209, otherwise end the process.
[86] S209, the second Funds-Management server freezes credit overdraft
limit or credit loan
line in the first terminal account;
[87] This Step only to freeze the amount of funds or credit limit to ensure
that there is sufficient
funds to complete the transaction, but not directly to the merchant account,
so that the
interests of buyers and sellers can be protected, the following steps can be
completed by
the first terminal, the second terminal or the logistics company delivering
the payment
information to confirm the completion of the delivery. After the Funds-
Management server
receives the payment information, allocates the thawing funds to the merchant
account.
[88] S210, the second Funds-Management server generates the electronic
commitment payment
certificate according to the payment request information and the freezing
information;
[89] Specifically, since the payment request information is sent by the
buyer to the second
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized by the bank. The second
Funds-Management server freezes the corresponding credit loan limit, and
generates an
electronic commitment payment certificate based on the payment information,
and the
second terminal provides the corresponding merchandise / service according to
the
electronic commitment payment certificate.
[90] S211, transmits the electronic payment certificate to the second
terminal, and synchronizes
to the first Funds-Management server.
[91] S212, the second Funds-Management server receives the payment
information;
[92] S213, the second Funds-Management server transfers to the first Funds-
Management
server;
[93] S214, the first Funds-Management server transfers the received payment
amount to the
account of the second terminal.
[94] The payment method illustrated by the example of the present invention
can reduce the risk
of funds and protect the interests of buyers and sellers through the second
Funds-Management server receiving the payment request information of the first
terminal,
determining whether or not the payment is permitted based on the first
terminal account
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credit loan limit and the payment amount, then at the same time freezing the
credit loan
amount of the first terminal account, and generating electronic commitment
payment
certificate.
[95] Example 5
[96] As shown in Figure 5, an example of the present invention provides a
payment method
based on different fund servers for use in a Funds-Management server, which is
comprised
of the steps as follows:
[97] S201, the first terminal transmits the payment request information to
the second
funds-management server, and the payment request information includes the
payment
amount.
[98] Specifically, the payment request information received by the second
funds-management
server includes merchant information, product information and payment amount,
and may
include first terminal information such as a customer ID. Among them, the
merchant
information can be directly merchants receiving account number, you can also
uniquely
identify the merchant information (such as business ID), and find the
corresponding bank
account information by Funds-Management server based on the unique
identification of the
merchant from the database. In the specific application, the account
information of the
second terminal should be kept confidential from the first terminal, so the
merchant
information should preferably be the merchant ID, and the second Funds-
Management
server inquires the merchant's receipt by using the corresponding relationship
between the
merchant ID and its receiving account. In other words, the first terminal only
need to
inform the second Funds-Management server to pay how much funds of which goods
belongs to which merchant, the second Funds-Management server will be able to
call out
the merchant account to implement the appropriate payment operation.
[99] S202, the second Funds-Management server receives the first terminal
to deliver the
payment request information;
[100] S203, compares the first terminal account credit loan limit and the
payment amount to
determine whether or not the electronic commitment payment certificate can be
generated,
and if the payment is allowed, the process proceeds to S209, otherwise to Step
S204.
[101] S204, compares account balance and the payment amount to determine
whether or not an
electronic commitment payment certificate can be generated, and if the payment
is
allowed, the process proceeds to S209, otherwise to Step S205.
[102] S205, compare account credit overdraft limit and payment amount to
determine whether to
generate electronic commitment payment certificate for payment; if allowed to
pay, then
enter S209; otherwise, end the process.
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[103] S209, the second Funds-Management server freezes the corresponding funds
balance, or
credit loan limit or credit overdraft amount equal to payment amount in the
first terminal
account;
[104] This Step only freezes the funds amount or credit loan limit to ensure
that there is sufficient
funds to complete the transaction, but not directly transfers funds to the
merchant account,
so that the interests of buyers and sellers are guaranteed. Later, payment
information is sent
by the first terminal, the second terminal or the logistics company to confirm
the delivery is
completed, then after the second Funds-Management server receiving the payment
information, the frozen funds are transferred to the merchant account.
[105] S210, the second Funds-Management server generates the electronic
commitment payment
certificate according to the payment request information and the freezing
information;
[106] Specifically, since the payment request information is sent by the buyer
to the second
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized by the bank. The second
Funds-Management server freezes the corresponding funds or credit loan limit
and
generates an electronic commitment payment certificate based on the payment
information,
and the second terminal provides the corresponding merchandise / service
according to the
electronic commitment payment certificate.
[107] S211, transmits the electronic payment certificate to the second
terminal, and synchronizes
to the first Funds-Management server.
[108] S212, the second Funds-Management server receives the payment
information;
[109] S213, the second Funds-Management server transfers to the first Funds-
Management
server;
[110] S214, the first Funds-Management server transfers the received payment
amount to the
account of the second terminal.
[111] The payment method provided by the example of the present invention
receives the
payment request information of the first terminal through the Funds-Management
server, to
determine whether being allowed to pay based on the credit overdraft limit of
first terminal
account, account funds limit of the first terminal and credit loan limit of
the first terminal
account, while freezing the payment amount of the first terminal account and
generating
electronic commitment payment certificate to complete real-time monitoring,
which can
reduce the risk of funds to protect the interests of buyers and sellers.
[112] Example 6
[113] As shown in Figure 6, an example of the present invention provides a
payment method
based on different fund servers for use in a Funds-Management server, which is
comprised
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of the steps as follows:
[114] S201, the first terminal transmits the payment request information to
the second
Funds-Management server, and the payment request information includes the
payment
amount.
[115] S202, the second Funds-Management server receives the payment request
information sent
by the first terminal;
[116] Specifically, the payment request information received by the second
Funds-Management
server includes merchant information, product information and payment amount,
and it
may also include first terminal information (for an example, client ID). Among
them, the
merchant information can be merchants' account number, and it can also be the
only
identification of the merchant information (such as merchant ID), to find the
corresponding
bank account information based on the unique identification of the business
from the
database by the second Funds-Management server. In the specific application,
the account
information of the second terminal should be kept confidential from the first
terminal, so
the merchant information should preferably be the merchant ID, and the second
Funds-Management server inquires the merchant's receipt by using the
corresponding
relationship between the merchant ID and its receiving account. In other
words, the first
terminal only need to inform the second Funds-Management server to pay how
much funds
of which goods belongs to which merchant , the second Funds-Management server
will be
able to call out the merchant account to implement the appropriate payment
operation.
[117] S203, compares the first terminal account credit loan limit and the
payment amount to
determine whether or not the electronic commitment payment certificate can be
generated,
and if the payment is allowed, the process proceeds to S209, otherwise to Step
S204.
[S20] S204, compares the first terminal account credit overdraft amount and
the payment amount
to determine whether or not an electronic commitment payment certificate can
be
generated, and if it is allowed to pay, it goes to S209, otherwise proceeds to
Step S205.
[119] S205, compares the balance of the first terminal account and the amount
of payment to
determine whether to generate electronic commitment payment certificate to pay
the
commitment, if allowed to pay, then enter into S209, or else end the process.
[120] S209, the second Funds-Management server freezes corresponding balance
or credit limit
equal to the payment amount in the first terminal account;
[121] This Step only to freeze the amount of payment or credit limit to ensure
that there is
sufficient funds to complete the transaction, but not directly to the merchant
account, so
that the interests of buyers and sellers can be protected, the following steps
can be
completed by the first terminal, the second terminal or the logistics company
delivering the
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payment information to confirm the completion of the delivery. After the
Funds-Management server receives the payment information, allocates the
thawing funds
or the same amount comparing with payment funds to the merchant account.
[122] S210, the second Funds-Management server generates the electronic
commitment payment
certificate according to the payment request information and the freezing
information;
[123] Specifically, since the payment request information is sent by the buyer
to the second
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized by the bank. The second
Funds-Management server freezes the corresponding funds or credits, and
generates an
electronic commitment payment certificate based on the payment information,
and the
second terminal provides the corresponding merchandise / service according to
the
electronic commitment payment certificate.
[124] S211, transmits the electronic payment certificate to the second
terminal, and synchronizes
to the first Funds-Management server.
[125] S212, the second Funds-Management server receives the payment
information;
[126] S213, the second Funds-Management server transfers to the first Funds-
Management
server;
[127] S214, the first Funds-Management server transfers the received payment
amount to the
account of the second terminal.
[128] The payment method illustrated by the example of the present invention
can reduce the risk
of funds and protect the interests of buyers and sellers through the second
Funds-Management server receiving the payment request information of the first
terminal,
determining whether or not the payment is permitted based on the first
terminal account
credit loan limit and the payment amount, then at the same time freezing the
credit loan
limit of the first terminal account, and generating electronic commitment
payment
certificate.
[129] Example 7
[130] As shown in Figure 7, an example of the present invention provides a
payment device
comprising a receiving module 301, a judging module, and a processing module
303,
wherein:
[131] The receiving module 301 is configured to receive payment request
information
transmitted by the first terminal, wherein the payment request information
includes a
payment amount.
[132] Specifically, the payment request information received by the receiving
module 301
includes merchant information, product information and payment amount, and may
include
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first terminal information (for an example, customer ID). Among them, the
merchant
information can be directly the merchants receiving account, you can also
uniquely identify
the merchant information (for an example, merchant ID). In specific
application, the
account information of the second terminal should be kept confidential with
respect to the
first terminal, so the merchant information is preferably the merchant ID,
that is, the first
terminal simply needs to informs the Funds-Management server to pay to which
merchant'
goods, the device will call out the merchant account to implement
corresponding payment
operation.
[133] The judgement module 302 is configured to determine whether or not to
allow payment
based on the first terminal account fund balance or the credit overdraft limit
or the credit
loan limit and the payment amount.
[134] As a preferred solution, the judgement module 302 is specifically
configured to determine
whether the credit loan limit of the first terminal account is greater than or
equal to the
payment amount, and if so, payment is allowed; otherwise, it is further
determined that the
funds balance of the first terminal account is greater than or equal to the
amount of
payment, if yes, then payment is allowed; otherwise to further determine
whether the first
terminal account credit overdraft credit is greater than the amount of
payment, if yes, then
payment is allowed, or else not allowed. In this way, in turn determine the
ability to pay the
first terminal account, you can save the payment cycle to protect the
interests of the
merchant. Wherein the bank account of the first terminal may be informed to
this device by
the first terminal in the payment request information, or the device may
inquire it from the
database based on the first terminal information, and obtains the funds
balance or the credit
limit of the corresponding first terminal account. Only in the first terminal
account of the
funds balance or credit limit greater than or equal to the payment amount, it
means that
customers have the ability to pay behaviour, this time to allow payment
behaviour. When
using a funds-management server to obtain a bank account or credit card
account based on
the Funds-Management server, a customer may have multiple accounts, and a
mixed
payment method may also be used.
[135] The processing module 303 is configured to freeze the credit limit
corresponding to the
payment amount in the first terminal account when payment is allowed, and
generate an
electronic commitment payment certificate to deliver the electronic commitment
payment
certificate information to the second terminal.
[136] Preferably, the processing module 303 further includes a freezing unit
3031, a certificate
generation unit 3032, and a synchronization unit 3033, wherein:
[137] The freezing unit 3031 is configured to freeze the amount corresponding
to the payment
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amount in the first terminal account when the payment is allowed;
[138] The certificate generation unit 3032 is configured to generate an
electronic commitment
payment certificate;
[139] The synchronization unit 3033 is configured to transmit the electronic
commitment
payment certificate information to the second terminal.
[140] In addition, the processing module 303 may include a debit unit, which
is configured to
receive the payment information, and allocate the funds equal to the payment
amount to the
first Funds-Management server.
[141] It is to be noted that the technical features of the above-described
method examples 2 and 3
are applicable in the present apparatus and are not repeated here.
[142] In addition, the present invention provides a Funds-Management server
including a
payment device in the fourth example, which is not repeated here.
[143] The payment device and the Funds-Management server can reduce the risk
of funds and
protect the interests of buyers and sellers through receiving the payment
request
information of the first terminal, determining whether or not the payment is
permitted
based on the first terminal account credit loan limit, and generating
electronic commitment
payment certificate. In addition, by increasing the loan function, not only to
facilitate the
buyer, but also greatly enriched the bank or other institutions with credit
ability to pay the
business.
[144] Example 8
[145] As shown in Figure 8, a preferred example of the present invention
provides a payment
system based on a different funds server, which includes a first terminal 10,
a second
terminal 20, and a Funds-Management server 30, wherein:
[146] The first terminal 10 includes a payment request module 101 configured
to deliver
payment request information to the Funds-Management server 30, wherein the
payment
request information includes merchant information, merchandise information,
and payment
amount.
[147] The second terminal 20 includes a certificate receiving module 201 and a
certificate
updating module 202, wherein the certificate receiving module 201 is
configured to receive
the electronic commitment payment certificate sent by the fund managing server
30.
[148] The Funds-Management server 30 includes a receiving module 301, a
judgement module
302, and a processing module 303, wherein:
[149] The receiving module 301 is configured to receive payment request
information
transmitted by the first terminal;
[150] The judgement module 302 is set to determine whether or not to allow a
credit
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commitment payment based on the first terminal account credit loan limit and
the payment
amount;
[151] As a preferred example, the judgement module 302 is configured to
determine whether the
credit loan limit of the first terminal account is greater than or equal to
the payment
amount, if yes, payment is allowed; otherwise, it is further determined that
the credit
overdraft limit of the first terminal account is greater than or equal to the
amount of
payment, if yes, then payment is allowed; otherwise to further determine
whether the first
terminal account funds balance is greater than the amount of payment, if yes,
then payment
is allowed, or else not allowed.
[152] The processing module 303 is configured to freeze the credit amount or
the amount of
funds corresponding to the payment amount in the first terminal account when
the credit
commitment payment is allowed to be generated; generate the electronic
commitment
payment certificate, and send the electronic commitment payment certificate
information to
the second terminal.
[153] As a preferred example, the receiving module 301 of the Funds-Management
server 30 is
also provided to receive the payment information; the processing module 303
also includes
a sectioning module, which is configured to receive the payment information,
then
assigned to the account of the second terminal.
[154] Specifically, since the payment request information is sent by the buyer
to the
Funds-Management server 30 through the first terminal 10, the payment
information is
objectively confirmed by the first terminal 10 and authorized by the bank to
pay. The
Funds-Management server 30 suspends the corresponding funds or credit limit
and
generates an electronic commitment payment certificate based on the payment
information,
and the second terminal 20 provides the corresponding merchandise / service
based on the
electronic commitment payment certificate.
[155] The general technicians of this field can understand and implement all
or parts of steps in
the aforesaid examples that can complete the procedure by controlling relevant
hardware,
and the said procedure can be stored in a readable storage media of a computer
such as
ROM/RAM, disk and light disk.
[156] The preferred examples of the present invention have been described
above with reference
to the accompanying drawings, which are not to limit the scope of the present
invention. It
will be apparent to those skilled in the field that various modifications,
equivalents, and
improvements may be made without departing from the scope and spirit of the
invention.
[157] Industrial Applicability
[158] The present invention provides a payment system, and its method, device
and server based
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on different funds servers, supervises the information of the buyers and
sellers through the
first and the second Funds-Management servers, and the regulatory function is
merged into
the bank or other institution with credit payment capacity, which can reduce
the risk of
funds and protect the interests of buyers and sellers; this program makes full
use of the risk
control centre functions of the first and the second Funds-Management servers'
credit
centres, uses a more optimized credit mechanism to promote network
transactions and
ensure security of the transactions funds, works as a credit medium, and
reduces the risk of
funds and protects the interests of both parties through the supervision of
the funds. In
addition, it brings convenience to the customer by adding loan functions,
which also
enriches businesses of banks or other institutions with credit payment
ability.
