Note: Descriptions are shown in the official language in which they were submitted.
Title: PAYMENT SYSTEM BASED ON SHARED FUNDS-MANAGEMENT SERVER, AND
METHOD, DEVICE AND SERVER THEREFOR
[1] [Technical Field]
[2] This invention refers to e-commerce field, especially, it is a cross
Funds-Management
server payment system and its payment method, device and server.
[31 [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.
[51 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. Thus, the need for new payment systems, methods,
devices and
servers at this stage to reduce the risk of user funds and to protect the
interests of buyers
and sellers.
[6] [Summary of the invention]
[71 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
the same
Funds-Management server 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:
[91 A payment system based on the same Funds-Management server, comprising
at least one
client, at least one merchant, an information centre server and a Funds-
Management server,
connected with the client, the merchant and the information centre server
connection
respectively, where:
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[10] The above-mentioned client is to send payment request information
including at least a
payment amount to the Funds-Management server;
[11] The merchant is used for receiving an electronic commitment payment
certificate sent by
the Funds-Management server;
[12] The Funds-Management server is used for receiving payment request
infoimation sent by
the second Funds-Management server; comparing the sum of the request
information of the
client and the funds balance with the payment amount to determine whether an
electronic
commitment payment certificate can be created; if possible, freezes the funds
balance and
credit overdraft limit within the said client and account, making the frozen
funds exceeds
or equals to the payment amount; generating the electronic commitment payment
certificate of the Funds-Management server to commit to pay funds according to
the agreed
condition, and sending the electronic commitment payment certificate to the
merchant to
make a credit commitment payment on behalf of the client.
[13] According to another aspect of this invention, there is a network
payment method based on
the same fund servers, and the method is comprised by following steps:
[14] The Funds-Management server receives the payment request information
sent by the client,
wherein the payment request information includes at least the payment amount;
[15] Comparing the fund balance and the credit overdraft limit to determine
whether an
electronic commitment payment certificate can be generated to make a credit
commitment
payment;
[16] If possible, the Funds-Management server will freeze the funds balance
and credit
overdraft limit within the said client and account, making the freezing funds
exceeds or
equals to the payment amount; generating all the electronic commitment payment
certificate of the Funds-Management server to commit to pay funds, and sending
the
electronic commitment payment certificate to the Merchant to make a credit
commitment
payment on behalf of the client
[17] According to another aspect of the present invention, there is
provided a payment device
based on the same Funds-Management server, the device comprises a receiving
module, a
judging module and a processing module.
[18] The receiving module is configured to receive payment request
information transmitted by
the client, and the payment request information includes the payment amount;
[19] The judgement module is configured to determine whether to pay based
on the client'
account fund balance and the credit overdraft limit as well as the payment
amount;
[20] A processing module configured to freeze the balance of funds and the
amount of credit
overdrafts in the client account when the payment is allowed so that the total
amount of the
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freezing is greater than or equal to the payment amount; generating an
electronic
commitment payment voucher, Commitment to send voucher information to the
merchant.
[21] A server based on the same Funds-Management server, said server
comprising a payment
device according to any one of above claim.
[22] The present invention provides a payment system based on same Funds-
Management
server and its method, device and server, supervises the information of the
buyers and
sellers through the Funds-Management server, and the regulatory function is
merged into
the bank or other institutions with payment ability; meanwhile, it freezes the
funds balance
and the credit overdraft limit of the client and generates electronic
commitment payment
certificates, which can monitoring in real-time and reduce the risk of funds
to protect the
interests of buyers and sellers; this program makes full use of the credit
centre of the
Funds-Management server and the function of risk control centre to facilitate
the security
of on-line transactions and guarantee transaction funds with a more optimized
credit
mechanism, providing credit media for both parties to the transaction, and
reducing the risk
of funds through the supervision of funds to protect the interests of both
parties. 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.
[23] [Brief Description]
[24] Figure 1 is a schematic diagram of the payment system based on the
same
Funds-Management server provided by Example 1 of the present invention;
[25] Figure 2 is a flow chart of the payment method based on the same fund
server provided by
Example 2 of the present invention;
[26] Figure 3 is a flow chart of the payment method based on the same fund
server provided by
Example 3 of the present invention;
[27] Figure 4 is a flow chart of the payment method based on the same fund
server provided by
Example 4 of the present invention;
[28] Figure 5 is a block diagram of a payment device based on the same
Funds-Management
server provided by Example 5 of the present invention;
[29] Figure 6 is a block diagram of a payment system based on the same
Funds-Management
server provided in the Example 6 of the present invention.
[30] [Description of the Preferred Examples]
[31] The present invention will be described in further detail with
reference to the
accompanying drawings and the accompanying example, 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
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Date Recue/Date Received 2022-02-28
illustrative of the invention and are not intended to limit the invention.
[32] Example 1
[33] As shown in Figure 1, an example of the present invention provides a
payment system
based on the same Funds-Management server, which includes at least one client
10, at least
one merchant 20, and a Funds-Management server 30; the Funds-Management server
30 is
connected to the client 10, and the merchant 20 respectively,
[34] The client 10, connected with the fund management server 30, is
configured to transmit the
payment request information to the Funds-Management server 30, wherein the
payment
request information includes the payment amount.
[35] Specifically, the client 10 is suitable for the payer (buyer), such as
the intelligent devices
used by a client, including a mobile phone, a personal computer, and a PAD,
the account
information of the client 10 is to fill in when the customer registers and
store to the
database of the Funds-Management server, the account information of the
client10 includes
information such as a customer ID, an account opening bank, an account name, a
bank
account number, and a credit balance and so on, and it may also include the
customer's
shipping address information. The payment request information is information
such as the
written and confirmed price (payment amount), the receipt address and the like
after the
customer purchases the specific goods/services. According to the pre-set
rules, price of the
goods/services, and commercial Merchants of the goods/services, the client 10
generates
data package; the packet will be transmitted to the Funds-Management server
30. The
payment request information includes at least the payment amount, and may
include the
merchant information and the merchandise information. Among them, the merchant
information can be directly merchants' receiving account number, you can also
uniquely
identify the merchant information (such as merchant ID), and find the
corresponding bank
account information by Funds-Management server 30 based on the unique
identification of
the merchant from the database. In the specific application, the account
information of the
merchant 20 should be kept confidential with respect to the client 10, so the
merchant
information is preferably the merchant ID, and the Funds-Management server 30
inquires
the merchant's receiving account by using the correspondence relationship
between the
merchant ID and its receiving account. In other words, the client 10 only
needs to inform
the Funds-Management server 30 which merchant's which goods need to be paid
how
much money, then the Funds-Management server 30 will be able to call out the
merchant
account to implement the appropriate payment operation.
[36] The merchant 20 is connected to the Funds-Management server 30 for
receiving the
electronic commitment payment certificate sent by the Funds-Management server
30.
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[37] Specifically, the Merchant 20 is adapted to the recipient (Merchant),
and the Merchant
includes but not limited to devices such as servers, and POS machines and so
on.
Merchants include but not limited to manufacturers, agents, logistics
companies, etc. The
Merchant information is also registered in the database of the Funds-
Management server,
and the Merchant information includes, but not limited to, Merchant ID,
Merchant name,
Merchant bank, Merchant account name, and bank Merchant account number. The
Merchant 20 receives the electronic commitment payment voucher transmitted
from the
second Funds-Management server 30, and extracts the merchandise information
and the
goods receipt information in the electronic commitment payment voucher
information to
designate the merchandise transmission destination.
[38] The Funds-Management server 30 is used for receiving payment request
information sent
by a client 10; comparing the sum of a funds balance and a credit overdraft
limit of the
client with a payment amount to determine whether an electronic commitment
payment
certificate can be created; if possible, the Funds-Management server
respectively freezing
the funds balance and the credit overdraft limit within a client and account,
the funds
balance and the credit overdraft limit corresponding to the payment amount;
generating the
electronic commitment payment certificate for the Funds-Management server to
commit to
pay funds according to an agreed condition, and sending the electronic
commitment
payment certificate to a merchant 20 to make a credit commitment payment on
behalf of
the client.
[39] Specifically, the Funds-Management server 30 receives the packet of
the payment request
information and parses it according to the pre-set rule to obtain the relevant
payment
information including, but not limited to, the merchant information, the
merchandise
information, and the payment amount, and the like information, which merchant
to which
the goods to pay the amount of money. The Funds-Management server 30 inquires
whether
the balance of the bank funds and the credit overdraft amount of the client
account is
sufficient for the current settlement, and if it is insufficient, the payment
is terminated and,
if sufficient, the balance of the payment amount and the amount of credit
overdraft, So that
the total amount of the freeze is greater than or equal to the amount of the
payment, until
the merchant confirms the delivery or the customer confirms the receipt after
the transfer
operation.
[40] It is understandable that the amount of funds to be frozen and the
corresponding amount of
credit overdrafts are included in the following cases:
[41] First, only the balance of the funds in the client account is frozen
so that the total amount
of the freeze is greater than or equal to the amount paid.
Date Recue/Date Received 2022-02-28
[42] Second, only to freeze the amount of credit overdraft, so that the
total amount of frozen
greater than or equal to the amount of the payment.
[43] Third, respectively, freezes the balance of funds and part of the
credit overdraft limit in the
client account, so that the total amount of frozen greater than or equal to
the amount of the
payment.
[44] Specifically, the Funds-Management server 30 may further determine
whether or not the
payment operation is made in accordance with the state of the electronic
commitment
payment certificate information, that is, the request payment only freezes the
balance of the
funds and the credit overdraft limit, deducting the credit limit after confirm
receipt.
[45] In the present example, the same Funds-Management server 30 may be
connected to the
plurality of client 10 and the plurality of merchant 20 through the Internet
at the same time.
That is, the server where the client 20 account is located and the server
where the client 10
resides are the same Funds-Management server 30. The Funds-Management server
30 can
be a single or multiple 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 the
practical applications,
it can be understood as the same bank's cluster Funds-Management server, but
not limited
to banks, but also the Internet to support the flow of funds in other
institutions. To
supervise the the information of the buyers and sellers by the Funds-
Management server
which can regulate the regulatory function into the bank or other institutions
with credit
ability to pay.
[46] Example 2
[47] As shown in Figure 2, an example of the present invention provides a
payment method
based on the same fund server for use in the Funds-Management server, which
method
comprises the steps of:
[48] S201, the Funds-Management server receives the payment request
information sent by the
client, wherein the payment request information includes at least the payment
amount;
[49] Specifically, the payment request information received by the Funds-
Management server
includes merchant information, product information and payment amount, and may
include
client information (such as client 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 merchant
should be
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kept confidential with respect to the client, so the merchant information is
preferably the
merchant ID, and the Funds-Management server inquires the merchant's receiving
account
by using the correspondence relationship between the merchant ID and its
receiving
account. In other words, the client only need to inform the Funds-Management
server to
which merchant and which goods to pay the amount of funds, the Funds-
Management
server will be able to call out the account of the implementation of the
corresponding
payment operation.
[50] S202, comparing the sum of the funds balance and the credit overdraft
limit to determine
whether an electronic commitment payment certificate can be generated to make
a credit
commitment payment; if so, then enter into the payment process, otherwise end
the
payment. It is understand that in the present example, the balance of funds is
usually stored
in a debit card, which is preferred for card usage, or other credit financial
product.
[51] This Step further includes: the Funds-Management server from the
database query client
account balance; determine whether the balance of funds is greater than or
equal to the
amount of payment, if so, then allow the payment; otherwise terminate the
payment.
Wherein the bank account of the client can be informed to the Funds-Management
server
by the client in the payment request, or can be queried from the database
according to the
client ID by the Funds-Management server. Only when the sum of the funds
balance and
credit overdraft limit in the client account are greater than or equal to the
payment amount,
it means that customers have the ability to pay and in this time it can be
allowed to pay. As
a result, it can save the payment cycle, protect the interests of merchant.
[52] S203, Funds-Management server freezing some of the client's account
funds balance and
credit overdraft limit corresponding to the payment amount respectively,
making the total
amount of frozen greater than or equal to the amount of the payment.
[53] This Step only to freeze the payment amount or credit limit to ensure
that there is sufficient
funds to complete the transaction, but not directly transfer to the merchant
account, so to
ensure the interests of the buyers and the sellers, followed by the client,
the merchant or
logistics company to send the payment information to confirm the delivery is
completed by
the Funds-Management server after receiving the payment release information,
the fund
management server deducts the credit overdraft limit, and unfreezes and
transfers the
corresponding frozen funds into the merchant account.
[54] S204, the Funds-Management server generates an electronic commitment
payment the
certificate;
[55] Specifically, since the payment request information is sent by the
buyer to the
Funds-Management server through the client operation, the payment information
is
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Date Recue/Date Received 2022-02-28
objectively confirmed by the customer and authorized by the bank. Funds-
Management
server respectively freezes the corresponding balance of funds or the amount
of credit
overdraft limit, and generates an electronic commitment payment certificate
based on the
payment information. The electronic commitment payment certificate information
includes
but is not limited to commodity information, payment amount (frozen funds or
credit
overdraft limit or credit loan limit), delivery address and validity period,
the form is not
limited to text, pictures, graphics and so on. The electronic certificate is
the certificate of
the receiving end of the merchant, and the merchant provides the corresponding
goods /
service according to the electronic commitment payment certificate.
[56] S205, delivers the electronic commitment payment certificate to the
client for the client and
synchronizes to client or merchant.
[57] Specifically, this Step sends the generated electronic certificate
information to the client or
the Merchant for the subsequent tracking.
[58] The payment method of the funds balance and the credit overdraft limit
provided by the
example of the invention is based on the funds server-based. The payment
request
information of the client is received through the funds server-based,
determining whether
or not the payment is allowed based on the sum of the buyer's account funds
balance and
credit overdraft limit; meanwhile, by freezing the payment amount of the
client account
respectively and generating electronic commitment payment certificate to make
real-time
monitoring, it can reduce the risk of funds and protect the interests of the
buyers and the
sellers.
[59] Example 3
[60] As shown in Figure 3, an example of the present invention provides a
payment method of
the funds credit loan limit, applied in the same Funds-Management servers as
shown in
Figure 1, which is comprised of the steps as follows:
[61] S301, the client sends the payment request information to the Funds-
Management server,
the payment request information includes the payment amount, and the
Funds-Management server receives the payment request information sent by the
client.
[62] And the payment request information is composed of a plurality of data
packets, including
at least the Merchant information, the product information and the payment
amount. You
can also include client information (such as client 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
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Date Recue/Date Received 2022-02-28
merchant should be kept confidential with respect to the client, so the
merchant
information is preferably the merchant ID, and the Funds-Management server
inquires the
merchant's receiving account by using the correspondence relationship between
the
merchant ID and its receiving account. In other words, the client only need to
inform the
Funds-Management server to which merchant and which goods to pay the amount of
funds,
the Funds-Management server will be able to call out the account of the
implementation of
the corresponding payment operation.
[63] The way the client sends payment request information to the Funds-
Management server
can be done in the existing way, such as using a digital signature or a
digital envelope. A
digital signature is a data that the user encrypts a hash of the original data
with his own
private key. The information recipient obtains the hash digest by decrypting
the digital
signature attached to the original information using the public key of the
sender of the
information and confirms whether the original information is made by comparing
with the
hash digest generated by the original data received by the information
recipient Tampered
with. This ensures that the data transmission is undeniable. Digital envelopes
use password
technology to ensure that only the recipient of the specified information can
read the
contents of the information. Digital envelopes used in a single-key password
system and
public key password system. The information sender first encrypts the
information with the
randomly generated symmetric password, and then encrypts the symmetric
password with
the public key of the receiver. The symmetric password encrypted by the public
key is
called the digital envelope. In the transmission of information, the
information receiver
shall decrypt the information, you must first use their own private key to
decrypt the digital
envelope, get a symmetric password, in order to use the symmetric password to
decrypt the
information obtained. This ensures the authenticity and integrity of the data
transmission.
[64] S302, inquiring the sum of the funds balance of the client account and
the amount of the
credit overdraft, comparing the sum of the funds balance and the amount of the
credit
overdraft with the payment amount, if the sum is greater than or equal to the
amount, it is
sufficient; if the sum is less than the amount, it is insufficient. When the
funds balance and
credit overdraft limit is sufficient, executing the step S303, otherwise
terminating, not to
pay;
[65] S303, the Funds-Management server to freeze the client account within
the amount of
payment corresponding to the balance of funds and credit overdraft capacity;
understand
that the amount of the corresponding payment of the corresponding amount of
funds
balance and credit overdraft capacity, including the following circumstances :
[66] 1. Only the balance of the funds in the client account is frozen so
that the total amount of
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Date Recue/Date Received 2022-02-28
the frozen is greater than or equal to the payment amount.
[67] 2. Only to freeze the amount of credit overdraft limit, so that the
total amount of frozen are
greater than or equal to the amount of the payment.
[68] 3. Respectively, freezes the balance of funds and part of the credit
overdraft limit in the
client account, so that the total amount of frozen greater than or equal to
the amount of the
payment.
[69] S304, the Funds-Management server generates an electronic commitment
payment the
certificate;
[70] S305, sending the electronic commitment payment certificate
information to the merchant
[71] S306, the merchant sends the receiving and receiving information to
the
Funds-Management server;
[72] It is to be noted that in Step S210, the merchant sends and receives
the payment
information to the Funds-Management server as an example. In practice, it is
also possible
for the client, the logistics server, or other entity that can know the
delivery status to send
the payment information to the Funds-Management server.
[73] S307, the Funds-Management server synchronizes the payment information
to the client
and the merchant.
[74] Specifically, the Funds-Management server synchronizes the updated
electronic
commitment payment certificate information to the client and merchant, from
the updated
electronic commitment payment certificate information to immediately inform
the
merchandise of the circulation state, when the goods / service delivery is
completed, Of the
funds to the merchant account.
[75] S308, the funds corresponding to the freezing amount are allocated to
the account of the
merchant. It is understand that there will be a matching allocation plan
according to the
different method of freezing in step S303, which will allocate the
corresponding funds to
the account of the merchant.
[76] S309, end the process.
[77] The payment method provided by the example of the present invention
receives the
payment request information of the client through the Funds-Management server,
determines whether the payment is permitted based on the sum of the funds
balance and
the credit overdraft limit of the client account, and by freezing the funds
balance and the
credit overdraft limit of the client account respectively to generate
electronic commitment
payment certificate and synchronize to client or merchant to make real-time
monitoring,
which can reduce the risk of funds and protect the interests of the buyers and
the sellers.
[78] Example 4
Date Recue/Date Received 2022-02-28
[79] As shown in Figure 4, another example of the present invention
provides a payment
method, applied in the same Funds-Management servers as shown in Figure 1,
which is
comprised of the steps as follows:
[80] S401, the Funds-Management server receives the payment request
information sent by the
client.
[81] And the payment request information is composed of a plurality of data
packets, including
at least the Merchant information, the product information and the payment
amount. You
can also include client information (such as client 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
merchant should be kept confidential with respect to the client, so the
merchant
information is preferably the merchant ID, and the Funds-Management server
inquires the
merchant's receiving account by using the correspondence relationship between
the
merchant ID and its receiving account. In other words, the client only need to
inform the
Funds-Management server to which merchant and which goods to pay the amount of
funds,
the Funds-Management server will be able to call out the account of the
implementation of
the corresponding payment operation.
[82] The way the client sends payment request information to the Funds-
Management server
can be done in the existing way, such as using a digital signature or a
digital envelope. A
digital signature is a data that the user encrypts a hash of the original data
with his own
private key. The information recipient obtains the hash digest by decrypting
the digital
signature attached to the original information using the public key of the
sender of the
information and confirms whether the original information is made by comparing
with the
hash digest generated by the original data received by the information
recipient Tampered
with. This ensures that the data transmission is undeniable. Digital envelopes
use password
technology to ensure that only the recipient of the specified information can
read the
contents of the information. Digital envelopes used in a single-key password
system and
public key password system. The information sender first encrypts the
information with the
randomly generated symmetric password, and then encrypts the symmetric
password with
the public key of the receiver. The symmetric password encrypted by the public
key is
called the digital envelope. In the transmission of information, the
information receiver
shall decrypt the information, you must first use their own private key to
decrypt the digital
envelope, get a symmetric password, in order to use the symmetric password to
decrypt the
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information obtained. This ensures the authenticity and integrity of the data
transmission.
[83] S402, inquiring the sum of the funds balance of the client account and
the amount of the
credit overdraft, comparing the sum of the funds balance and the amount of the
credit
overdraft with the payment amount, if the sum is greater than or equal to the
amount, it is
sufficient; otherwise, it is insufficient. When the balance of funds and
credit overdraft is
sufficient, executing step S403, or executing steps S404;
[84] S403, the Funds-Management server to freeze the client account within
the balance of
funds and credit overdraft limit and credit loan limit, so that the total
amount of frozen are
greater than or equal to the amount of the payment, it can be specifically
divided into the
following forms:
[85] 1. Only the balance of the funds in the client account is frozen so
that the total amount of
the frozen is greater than or equal to the payment amount.
[86] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or equal to
the payment amount.
[87] 3. Only to freeze the amount of credit overdraft limit, so that the
total amount of frozen are
greater than or equal to the amount of the payment.
[88] 4. Respectively, to freeze the balance of funds and credit overdraft
limit of the client's
account, making the total amount of frozen greater than or equal to the amount
of the
payment.
[89] 5. Respectively, to freeze part of the balance of funds and credit
loan limit of the client's
account, making the total amount of frozen greater than or equal to the amount
of the
payment.
[90] 6. Respectively, to freeze part of the credit loan limit and credit
overdraft limit of the
client's account, making the total amount of frozen greater than or equal to
the amount of
the payment.
[91] 7. Respectively, to freeze part of the credit loan limit and credit
overdraft limit of the
client's account, as well as the funds balance, making the total amount of
frozen greater
than or equal to the amount of the payment.
[92] S404, asking the client whether to issue credit loan limit; if it is
needed, executing Step
S405, or terminating to the process S411;
[93] S405, judging whether the credit loan limit is sufficient; the
sufficient can be understood in
several cases:
[94] 1. If the sum of the original funds balance of the client account and
the amount of the credit
overdraft limit as well as the credit loan limit are greater than or equal to
the amount of the
payment amount, the credit loan limit is considered to be sufficient; and
conversely, it is
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insufficient;
[95] 2. When the credit loan limit is greater than or equal to the amount
of the payment amount,
the credit loan limit is considered to be sufficient and, conversely,
insufficient.
[96] Specifically, the credit loan limit can be the amount specified by the
client, or it can default
to the amount of the current payment. For example, when the price of a product
selected by
the customer is 1,500 Yuan (payment amount), if the customer account funds
balance and
credit overdraft limit only 900 Yuan, you need credit loan limit of 600 Yuan
in order to
meet the allowable payment to pay the act. Of course, the using of another
way, such as the
direct application for credit loan limit of 1,500 Yuan, to pay, is also
feasible.
[97] S406, the Funds-Management server to freeze the client account within
the balance of
funds and credit overdraft limit and credit loan limit, after the total amount
of frozen are
greater than or equal to the amount of the payment, it will generate the
electronic
commitment payment certificate;
[98] S407, sending the electronic commitment payment certificate
information to the merchant
[99] S408, the merchant sends the receiving and receiving information to
the
Funds-Management server;
[100] It is to be noted that in Step S408, the merchant sends and receives the
payment
information to the Funds-Management server as an example. In practice, it is
also possible
for the client, the logistics server, or other entity that can know the
delivery status to send
the payment information to the Funds-Management server.
[101] S409, the Funds-Management server synchronizes the payment information
to the client
and the merchant.
[102] Specifically, the Funds-Management server synchronizes the updated
electronic
commitment payment certificate information to the client and merchant, from
the updated
electronic commitment payment certificate information to immediately inform
the
merchandise of the circulation state, when the goods / service delivery is
completed, Of the
funds to the merchant account.
[103] S410, the funds corresponding to the freezing amount are allocated to
the account of the
merchant. It is understand that there will be a matching allocation plan
according to the
different method of freezing in step S403, which will allocate the
corresponding funds to
the account of the merchant.
[104] S411, end the process.
[105] In this example of the invention, by increasing the loan function on the
example 3, it is not
only to facilitate the buyer, but also greatly enrich the bank or other
institutions with credit
ability to pay the business.
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Date Recue/Date Received 2022-02-28
[106] Example 5
[107] As shown in Figure 5, an example of the present invention provides a
payment device
including a receiving module 301, a judgement module 302, and a processing
module 303,
wherein:
[108] The receiving module 301 is configured to receive payment request
information
transmitted by the client, and the payment request information includes the
payment
amount.
[109] Specifically, the payment request information received by the receiving
module 301
includes Merchant information, product information and payment amount, and may
include
the client information (for an example, customer ID). Among them, the merchant
information can be merchants receiving account, and the merchant information
can also be
uniquely identified (such as business ID). In the particular application, the
account
information of the merchant should be kept confidential from the client, so
the merchant
information should be the merchant ID, that is, the client simply informs
which
merchandise of which merchant is paid by how much, then the device call out of
the
merchant account number to implement the corresponding payment operation.
[110] The judgement module 302 is configured to determine whether to pay based
on the client'
account fund balance and the credit overdraft limit as well as the payment
amount.
[111] As a preferred scheme, the judgement module 302 is specifically
configured to inquiry the
client's account funds balance and the credit overdraft limit; and determined
whether the
funds balance and the credit overdraft limit of the client account are greater
than or equal to
the payment amount, if possible, it is allowed to pay. In this way, firstly to
determine the
payment ability of the sum of the funds balance and the credit overdraft
limit, and priority
to the use of account' funds balance and credit overdraft limit payment
method, which can
save the payment cycle to protect the interests of businesses. And the bank
account or the
credit card account may be notified by the client to the device in the payment
request
information, or the device may inquire from the database based on the client
information
and obtain the funds corresponding to the account funds balance or credit
overdraft limit.
Only when the sum of the client's funds balance and credit overdraft limit are
greater than
or equal to the payment amount, it means that customers have the ability to
pay and in this
time it can be allowed to have payment behaviour.
[112] As another preferred example, the judgement module 302 is also
configured to ask the
client whether credit loan limit is to be issued when the sum of the fund
balance and the
credit overdraft limit of the client account is less than the payment amount;
if it needs
credit loan limit, then the client account to issue credit loan limit and
allow the payment; if
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Date Recue/Date Received 2022-02-28
not, then terminate the payment. In addition, it not only to facilitate the
buyer, but also
greatly enrich the bank or other institutions with credit ability to pay the
business. 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. For example, when the price of a commodity
selected
by the customer is 1,500 Yuan (the payment amount), the sum of the funds
balance and the
credit overdraft limit is only 900 Yuan, then the amount of money that the
customer can use
to pay is a total of 900 Yuan, which will not be able to pay; If the client
account has credit
loan limit amount of 600 Yuan, so the application of credit loan limit is 600
Yuan, then they
have a 1,500 Yuan of using, can be implemented to be the payment behaviour.
[113] The processing module 303 is configured to freeze the funds balance and
the credit loan
limit and the credit loan limit in the client account respectively when the
payment is
allowed so that the total amount of the freezing are greater than or equal to
the payment
amount; generating the electronic commitment payment certificate, the
electronic
commitment payment certificate message is sent to the merchant.
[114] Preferably, the processing module 303 further includes a freeze unit
3031, a certificate
generation unit 3032, and a synchronization unit 3033, wherein:
[115] The freezing unit 3031 is configured to freeze the balance of the funds
and the credit
overdraft limit and the credit loan limit in the client account when the
payment is allowed
so that the total amount of the freezing are greater than or equal to the
payment amount;
[116] The credential generation unit 3032 is configured to generate an
electronic commitment
payment certificate;
[117] A synchronization unit 3033 is configured to transmit the electronic
commitment payment
certificate information to the Merchant.
[118] In addition, the processing module 303 may include a debt unit,
configured to receive the
payment information, synchronize the payment information to the client and the
merchant,
and allocate the corresponding funds to the merchant account.
[119] It is to be noted that the technical features of the above-described
method examples 2, 3
and 4are applicable in the present apparatus and are not repeated here.
[120] In addition, the present invention also provides a Funds-Management
server including the
payment device in the fourth example, which is not repeated here.
[121] The payment method and server provided by the example of the present
invention receives
the payment request information of the client, determines whether the payment
is permitted
based on the sum of the funds balance and the credit overdraft limit of the
client account,
and by freezing the funds balance and the credit overdraft limit of the client
account to
Date Recue/Date Received 2022-02-28
generate electronic commitment payment certificate to supervise in real-time,
which can
reduce the risk of funds and protect the interests of the buyers and the
sellers. In addition,
by increasing the loan function, not only to facilitate the buyer, but also
greatly enrich the
bank or other institutions with credit ability to pay the business.
[122] Example 6
[123] As shown in Figure 6, a preferred example of the present invention
provides a payment
system based on the same funds server, which includes a client 10, a merchant
20, and a
Funds-Management server 30, wherein:
[124] The client 10 includes a payment request module 101 configured to send
payment request
information to the Funds-Management server 30, wherein the payment request
information
includes merchant and merchandise information, and payment amount.
[125] The merchant 20 includes a credential receiving module 201 and a
credential 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.
[126] The Funds-Management server 30 includes a receiving module 301, a
judgement module
302, and a processing module 303, wherein:
[127] The receiving module 301 is configured to receive payment request
information
transmitted by the client;
[128] The judgement module 302 is configured to compare the sum of the client'
funds balance
and the credit overdraft limit and the payment amount to determine whether the
electronic
commitment payment document can be issued;
[129] As a preferred example, the judgement module 302 is configured to
determine whether the
funds balance and the credit overdraft limit of the client account is greater
than or equal to
the amount of the payment, and if so, the payment is allowed; Greater than or
equal to the
payment amount, if possible, then allow payment, or to further determine
whether the
client's account loan amount is greater than or equal to the payment amount,
if so, allow to
pay.
[130] The processing module 303 is configured to freeze the balance of the
funds corresponding
to the payment amount in the client account when the payment is allowed, and
generate the
electronic commitment payment certificate to transmit the electronic
commitment payment
certificate information to the Merchant.
[131] As a preferred example, the receiving module 301 of the second Funds-
Management server
30 is also provided to receive the payment information; the processing module
303 also
includes a transferring module, which is configured to receive the payment
information,
synchronize the payment information to the client and the merchant, and the
funds that
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Date Recue/Date Received 2022-02-28
equal to the payment amount will be transferred to the account of the
Merchant.
[132] Specifically, since the payment request information is sent by the
buyer to the
Funds-Management server 30 through the client 10, the payment information is
objectively
obtained by the client 10 confirming and authorizing the bank to pay. The
Funds-Management server 30 respectively freezes the corresponding balance of
funds and
the amount of credit overdraft limit, and generates an electronic commitment
payment
certificate based on the payment information. The electronic commitment
payment
certificate information includes but is not limited to commodity information,
payment
amount (frozen funds or credit overdraft limit or credit loan limit), delivery
address and
validity period, the form is not limited to text, pictures, graphics and so
on. The electronic
certificate is the certificate of the receiving fund of the Merchant 20, and
the Merchant 20
provides the corresponding merchandise/service based on the electronic
commitment
payment certificate.
[133] 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.
[134] 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.
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