Note: Descriptions are shown in the official language in which they were submitted.
PAYMENT SYSTEM BASED ON SHARED FUNDS-MANAGEMENT SERVER, AND
METHOD, DEVICE AND SERVER THEREFOR
Technical Field
[0001] This invention refers to e-commerce field, especially, it is a cross-
capital server-based
payment system and its payment method, device and server.
Background
[0002] 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.
[0003] 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 money
management server to
reduce the risk of user funds, and to protect the interests of buyers and
sellers.
Summary
[0004] 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.
[0005] The technical solution of the present invention to solve the above-
mentioned technical
problems is as follows:
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[0006] A payment system based on the same fund 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:
100071 The above-mentioned client is to send payment request information
including at least a
payment amount to the fund management server;
[0008] The merchant is used for receiving an electronic commitment payment
certificate sent
by the fund management server;
[0009] The method comprises: a Funds-Management server receiving payment
request
information sent by a client; comparing a client funds balance or credit
overdraft limit or credit
loan limit with a payment amount to determine whether an electronic commitment
payment
certificate can be created; if yes, the Funds-Management server freezing the
funds balance within
the client account, the funds balance 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 to make a credit commitment payment on behalf of the
client, and
synchronising to an information centre server.
[0010] According to another aspect of this invention, there is a network
payment method based
on the same Funds-Management servers, and the method is comprised by following
steps:
[0011] The Funds-Management server receives the payment request information
sent by the
client, wherein the payment request information includes at least the payment
amount;
[0012] By comparing the client credit overdraft amount and the payment amount
to determine
whether or not an electronic commitment payment certificate is to be paid;
[0013] If the said Funds-Management server is to freeze the amount
corresponding to the
payment amount in the client account; generating an electronic commitment
payment certificate
that is promised to pay the funds by the Funds-Management server according to
the agreed
condition, and transmits the electronic commitment payment certificate
information to the
merchant to make a credit commitment payment for the client.
[0014] According to another aspect of the present invention, there is
provided a payment device
based on the same funds server, the device comprises a receiving module, a
judging module and a
processing module.
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[0015]
The receiving module is configured to receive payment request information
transmitted
by the client, wherein the payment request information includes the payment
amount;
[0016] The judgement module configured to determine whether or not to allow
payment based
on the client account fund balance and the payment amount;
[0017] The processing module is configured to freeze the said payment amount
corresponded
funds or credit overdraft limit or credit loan limit within the client account
when payment is set as
allowable, generate an electronic commitment payment certificate, and transmit
the electronic
commitment payment certificate information to the merchant, and synchronized
to the information
centre server.
[0018] The present invention provides a payment system based on the same Funds-
Management server and its method, device and server, supervises the
information of the buyers
and the sellers through the Funds-Management server and the information centre
server, and the
regulatory function is merged into the bank or other institutions with payment
ability; meanwhile,
freezes the client account funds balance, generates electronic payment
certificates and synchronize
the information centre server for real-time monitoring, reduces the risk of
funds to protect the
interests of the buyers and the sellers; this program makes full use of the
risk control centre
function of the credit centre of the Funds-Management server and the
information centre server,
facilitates the security of on-line transactions and guarantees transaction
funds with a more
optimized credit mechanism, provides credit media for both parties to the
transaction, and reduces
the risk of funds through the supervision of funds to protect the interests of
both parties. In addition,
it brings convenience to the customer by adding loan functions, which also
enriches businesses of
banks or other institutions with credit payment ability.
Brief Description of the Drawings
[0019] Figure I is a schematic diagram of the payment system based on the same
Funds-
Management server provided by Example 1 of the present invention;
[0020] Figure 2 is a flow chart of the payment method based on the same Funds-
Management
server provided by Example 2 of the present invention;
[0021] Figure 3 is a flow chart of the payment method based on the same Funds-
Management
server provided by Example 3 of the present invention;
[0022] Figure 4 is a flow chart of the payment method based on the same Funds-
Management
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server provided by Example 4 of the present invention;
[0023] Figure 5 is a flow chart of the payment method based on the same Funds-
Management
server provided by Example 5 of the present invention;
[0024] Figure 6 is a flow chart of the payment method based on the same Funds-
Management
server provided by Example 6 of the present invention;
[0025] Figure 7 is a block diagram of a payment device based on the same Funds-
Management
server provided by Example 7 of the present invention;
[0026] Figure 8 is a block diagram of a payment system based on the same Funds-
Management
server provided in the Example 8 of the present invention.
Description of the Preferred Embodiments
[0027] 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 illustrative
of the invention and are not intended to limit the invention.
[0028] Example 1
[0029] As shown in Figure 1, an example of the present invention provides a
payment system
based on the same fund 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,
[0030] The client 10 is configured to transmit the payment request
information to the Funds-
Management server 30, wherein the payment request information includes the
payment amount.
[0031] Specifically, the client 10 is suitable for the payer (buyer),
including the account
information of mobile phone, personal computer, PAD, and other intelligent
devices, the account
information of the client 10 is filled in when the customer registers and
stored in the database of
the fund management service and (or) the information centre server, the
account information of
the client 10 includes client ID, an account opening bank, account name, a
bank account number,
and a credit balance, and may also include the customer's shipping address.
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
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pre-set rules, price of the goods/services, and commercial tenants of the
goods/services, the client
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 client
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.
[0032] 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.
[0033] Specifically, the merchant 20 is applied to the receiving party
(seller), and the merchant
includes but not limited to devices such as servers, POS machines and other
devices. Merchants
include but not limited to manufacturers, agents, and logistics companies. The
merchant
information is also registered in the database of the fund management server,
and the merchant
information includes, but is not limited to, merchant ID, merchant name,
merchant bank, merchant
account name, merchant bank account number, and so on.
[0034] The Funds-Management server 30 receives the payment request information
sent from
the client 10, determines whether or not the payment is allowed based on the
credit overdraft limit,
the fund balance, the credit loan limit and the payment amount of the client
10; if the payment is
allowed, the credit limit or funds corresponding to the client account and
payment amount shall be
freeze, an electronic commitment payment certificate which is promised to pay
the funds by the
Funds-Management server in accordance with the agreed condition will be
generated, the
electronic commitment payment certificate information shall be sent to the
merchant 20.
[0035] 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
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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.
[0036] Specifically, both the client 10 and the merchant 20 can obtain the
electronic
commitment payment certificate information for subsequent processing, such as
the correctness of
the dual channel validation information using the data. 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 to pay the credential information, that is, the request
payment is only the
freezing of the funds, and the payment operation is confirmed after the
receipt is confirmed.
[0037] 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 fund 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 fund
management server, but it not limited to banks, it also supports the flow of
funds in other
institutions in the Internet or other institutions with payment ability, that
is the so called the third
party institution. Through the fund management server, the seller and seller
of information are
regulated, and the regulatory functions are merged into the bank or other
institutions with credit
ability to pay.
[0038] Example 2
[0039] As shown in Figure 2, an example of the present invention provides a
payment method
based on the same Funds-Management servers for use in a fund management
server, which is
comprised of the steps as follows:
[0040] S101, the Funds-Management server 30 receives the payment request
information sent
by the client, wherein the payment request information includes at least the
payment amount;
[0041] Specifically, the payment request information received by the Funds-
Management
server includes merchant information, product information and payment amount,
and may include
client information (e.g., client ID). Among them, the merchant information can
be directly
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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.
[0042] S102, compare the balance of the client overdraft limit and the
payment amount to
determine whether to generate electronic commitment payment certificate to be
paid; if so, then
allow the payment; otherwise terminate the payment.
[0043] This step further includes: the Funds-Management server from the
database query client
account balance; determine whether the client overdraft limit 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
fund management
server. Only in the client 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. Priority to pay the balance of the client account funds,
you can save the
payment cycle to protect the interests of the client.
[0044] S103, the Funds-Management server freezes the credit overdraft limit
corresponding to
the payment amount within the client account.
[0045] Specifically, when the client credit overdraft limit is sufficient
to cover, the funds in the
bank account are frozen. This step only to freeze the credit overdraft limit
to ensure that there is
sufficient credit overdraft 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, after the Funds-Management server receives the payment of
information, the funds
amount that is equal to the payment amount will be allocated to the merchant
account.
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[0046] S104, the Funds-Management server generates an electronic commitment
payment the
certificate;
[0047] Specifically, since the payment request information is sent by the
buyer to the Funds-
Management server through the client operation, the payment information is
objectively confirmed
by the customer and authorized by the bank. The Funds-Management server
freezes the
corresponding funds or credit limit, and generates an electronic commitment
payment certificate
based on the payment information, and the merchant provides the corresponding
merchandise /
service according to the electronic commitment payment certificate.
[0048] S105, the electronic commitment payment certificate issued to the
client for the client
to undertake credit commitments.
[0049] The payment method provided by the example of the present invention
receives the
payment request information of the client through the same Funds-Management
server, determines
whether or not the payment is permitted based on the buyer's account credit
overdraft limit;
meanwhile, by freezing the client account credit overdraft limit, and
generating electronic
commitment payment certificate, which can reduce the risk of funds and protect
the interests of
the buyers and the sellers.
[0050] The S106 and the Funds-Management server receives the payment
information;
[0051] The Funds-Management server receives and determines whether the payment
information meets the agreed payment policy.
[0052] S107, if the payment of information in line with the agreed payment
of funds conditions,
the Funds-Management server will be allocated to the account business account.
[0053] S113, the process ends.
[0054] Example 3
[0055] As shown in Figure 3, an example of the present invention provides a
payment method
based on the same Funds-Management servers for use in a fund management
server, which is
comprised of the steps as follows:
[0056] S201, the Funds-Management server 30 receives the payment request
information sent
by the client, and the payment request information includes the payment
amount.
[0057] Specifically, the payment request information received by the Funds-
Management
server includes merchant information, product information and payment amount,
and may include
client information (e.g., client ID). Among them, the merchant information can
be directly
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CA 2987660 2020-03-17
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.
100581 S203, it is checked whether or not the credit overdraft amount of
the client account is
sufficient, and if it is insufficient, Step S204 is executed, otherwise Step
S207 is executed;
100591 S204, query the client account of the amount of credit overdraft
sufficient, if not enough
to terminate the payment, otherwise the implementation of step S207;
100601 Specifically, when the balance of the client account credit
overdraft limit is sufficient to
pay, the amount of the credit overdraft limit corresponding to the payment
amount in the bank
account is frozen, and when the balance of the account funds is not enough to
be paid, the funds
balance of the payment amount within the client account overdraft will be
frozen. This step only
to freeze the credit overdraft balance or funds balance 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; after the Funds-
Management server
receives the payment of information, the corresponded funds will be allocated
to the merchant
account.
100611 S207, the amount of money or credit overdraft amount corresponding to
the payment
amount in the client account;
100621 S208, generate electronic commitment payment certificate;
100631 S209, sending the electronic commitment payment certificate
information to the
merchant;
100641 S210, the merchant sends the receiving and receiving information to
the fund
management server;
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[0065] 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 fund management server.
[0066] S211, the corresponded funds shall be allocated to the account of
the merchant.
[0067] S213, end the process.
[0068] The payment method illustrated by the example of the present invention
can reduce the
risk of funds and protect the interests of the buyers and the sellers through
the Funds-Management
server receiving the payment request information of the client, determining
whether or not the
payment is permitted based on the credit overdraft limit, funds amount, or
credit loan limit in the
client account, then at the same time freezing the funds balance or the credit
overdraft limit in the
client , and generating electronic commitment payment certificate to reduce
the funds risk and
ensure the interest of the buyer and the seller.
[0069] Example 4
[0070] As shown in Figure 4, an example of the present invention provides a
payment method
based on the same Funds-Management server for use in the Funds-Management
server, which
method comprises the steps of:
[0071] S201, the Funds-Management server 30 receives the payment request
information sent
by the client, and the payment request information includes the payment
amount.
[0072] Specifically, the payment request information received by the Funds-
Management
server includes merchant information, product information and payment amount,
and may include
client information (e.g., 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
CA 2987660 2020-03-17
implementation of the corresponding payment operation.
[0073] S203, it is checked whether or not the credit overdraft amount of
the client account is
sufficient, and if it is insufficient, Step S205 is executed; otherwise Step
S207 is executed;
[0074] S205, check the client account credit loan limit is sufficient, if
not enough to terminate
the payment, otherwise the implementation of Step S207;
[0075] Specifically, when the balance of the account credit overdraft is
sufficient to pay, the
credit overdraft balance corresponding to the payment amount within the bank
are frozen; when
the credit overdraft limit is insufficient to be paid, but the credit loan
limit is sufficient to be paid,
the credit overdraft limit corresponding to the payment amount within the bank
shall be frozen.
This step only to freeze the payment amount to ensure that there is sufficient
funds to complete the
transaction, but not directly transfer to the merchant account, so that the
interests of the buyers and
the sellers can be ensured, the successor can be the client, the merchant or
logistics company to
send the payment information to confirm the completion of delivery by the
Funds-Management
server to receive the payment of information, the de-blocked funds or funds
that equal to payment
funds will be allocated to the merchant account.
[0076] S207, freeze the client account within the amount of payment
corresponding to the
amount of funds or credit loans;
[0077] S208, generate electronic commitment payment certificate;
[0078] S209, sending the electronic commitment payment certificate
information to the
merchant
[0079] S210, the merchant sends the receiving and receiving information to
the fund
management server;
[0080] 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 fund management server.
[0081] S211, the frozen funds allocated to the account of the merchant.
[0082] S213, end the process.
[0083] The payment method based on the funds balance or the credit loan limit
provided by the
example of the present invention receives the payment request information of
the client through
the Funds-Management server, the client funds balance and the credit loan
limit will be based to
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determine whether to allow payment, and by freezing the client account payment
amount, and
generating electronic commitment payment certificate for conducting real-time
monitoring, which
can reduce the risk of funds to protect the interests of the buyers and the
sellers.
[0084] Example 5
[0085] As shown in Figure 5, an example of the present invention provides a
payment method
of the funds credit loan limit, applied in the same fund management servers as
shown in Figure 1,
which is comprised of the steps as follows:
[0086]
S201, the client sends the payment request information to the fund management
server,
the payment request information includes the payment amount, and the Funds-
Management server
receives the payment request information sent by the client.
[0087] Wherein the payment request information is composed of a plurality of
data packets,
including at least the merchant information, the merchandise 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 merchant 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.
[0088] 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
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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.
[0089] S203, it is checked whether or not the credit overdraft amount of
the client account is
sufficient, and if it is insufficient, Step S204 is executed, otherwise Step
S207 is executed;
[0090] S204, it is checked whether or not the balance of the funds of the
client account is
sufficient, and if it is insufficient, Step S205 is executed, otherwise Step
S207 is executed;
[0091] S205, check the client account credit loan limit is sufficient, if
not enough to terminate
the payment, otherwise the implementation of Step S207;
[0092] S207, freeze the funds or the credit overdraft balance or the credit
loan balance
corresponding to the payment amount within the client account;
[0093] S208, generate electronic commitment payment certificate;
[0094] S209, sending the electronic commitment payment certificate
information to the
merchant
[0095] S210, the merchant sends the receiving and receiving information to
the fund
management server;
[0096] 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 fund management server.
[0097] S211, the frozen funds allocated to the account of the merchant.
[0098] S213, end the process.
[0099] The example of the present invention, on the basis of the Example 3,
not only facilitates
the buyer by increasing the optional function of the credit loan limit, but
also greatly enriches the
loan business of the bank or other third party organization; the flow of goods
and the flow of funds
trajectory are effectively combined, and the interests of both the buyers and
the sellers can be
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effectively protected.
[0100] Example 6
[0101] As shown in Figure 6, an example of the present invention provides a
payment method
of the credit overdraft limit, and applied in the payment system of the same
management server,
which method comprises the steps of:
[0102] S201, the client sends the payment request information to the fund
management server,
the payment request information includes the payment amount, and the Funds-
Management server
receives the payment request information sent by the client.
[0103] Wherein the payment request information is composed of a plurality
of data packets,
including at least the merchant information, the merchandise 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 merchant 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.
[0104] 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
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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.
[0105] S203, it is checked whether or not the credit overdraft amount of
the client account is
sufficient, and if it is insufficient, Step S204 is executed, otherwise Step
S207 is executed;
[0106] S204, it is checked whether or not the credit loan limit of the
client account is sufficient,
and if it is insufficient, Step S204 is executed, otherwise Step S207 is
executed;
[0107] S205, query if the funds balance of the client account is
sufficient, if not enough,
terminate the payment, otherwise the implementation of step S207;
[0108] S207, freeze the funds or the credit overdraft balance or the credit
loan balance
corresponding to the payment amount within the client account;
[0109] S208, generate electronic commitment payment certificate;
[0110] S209, sending the electronic commitment payment certificate
information to the
merchant
[0111] S210, the merchant sends the receiving and receiving information to
the fund
management server;
[0112] 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 fund management server.
[0113] S211, the corresponded funds shall be allocated to the account of
the merchant.
[0114] S213, end the process.
[0115] The example of the present invention, on the basis of the Example 3,
not only facilitates
the buyer by increasing the optional function of the credit loan limit, but
also greatly enriches the
loan business of the bank or other third party organization; the flow of goods
and the flow of funds
trajectory are effectively combined, and the interests of both the buyers and
the sellers can be
effectively protected.
[0116] Example 7
CA 2987660 2020-03-17
[0117] As shown in Figure 7, 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:
[0118] The receiving module 301 is configured to receive payment request
information
transmitted by the client, wherein the payment request information includes a
payment amount.
[0119] Specifically, the payment request information received by the
receiving module 301
includes merchant information, product information and payment amount, and may
include client
information (for an example, client 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.
[0120] The judgement module 302 is configured to determine whether or not to
allow payment
based on the payment amount, and fund balance of the client account or the
credit overdraft limit
or the credit loan limit.
[0121] As a preferred scheme, the judgement module 302 is specifically
configured to
determine whether the balance of the funds of the client account is greater
than or equal to the
payment amount, and if so, the payment is allowed; Whether the amount is
greater than or equal
to the payment amount, if yes, then allow payment; otherwise to further
determine whether the
client account credit limit is greater than the payment amount, if it is
allowed to pay, or not allowed
to pay. In this way, in order to determine the payment ability of the account,
the payment method
of the credit overdraft balance of the account is adopted in priority, you can
save the payment cycle
to protect the interests of businesses. Wherein the bank account of the client
may be informed to
this device by the client in the payment request information, or the device
may inquire it from the
database based on the client information, and obtains the funds balance or the
credit limit of the
corresponding client account. Only the funds balance, the credit overdraft
limit, and the credit loan
limit in the client are more than or equal the payment amount, the client has
the ability to pay, and
this time the payment behaviour is allowed to conduct. 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.
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[0122] The processing module 303 is configured to freeze the credit
overdraft limit
corresponding to the payment amount in the client account when payment is
allowed, and generate
an electronic commitment payment certificate to deliver the electronic
commitment payment
certificate information to the merchant.
[0123] Preferably, the processing module 303 further includes a freezing
unit 3031, a certificate
generation unit 3032, and a synchronization unit 3033, wherein:
[0124] The freezing unit 3031 is configured to freeze the credit overdraft
limit corresponding
to the payment amount in the client account when payment is allowed;
[0125] The certificate generation unit 3032 is configured to generate an
electronic commitment
payment certificate;
[0126] The synchronization unit 3033 is configured to transmit the
electronic commitment
payment certificate information to the merchant.
[0127] In addition, the processing module 303 may include a transfer unit,
configured to receive
the payment information, and allocate the corresponded funds to the account of
the merchant.
[0128] It is important to note that the technical features of the above-
described Examples 2 and
3 are applicable in the present device and are not repeated here.
[0129] In addition, the present invention provides a Funds-Management
server including a
payment device in the Example 4, which is not repeated here.
[0130] The payment method provided by the example of the present invention
receives the
payment request information of the client through the Funds-Management server,
the client
account funds amount, the client account credit overdraft limit and the client
account credit loan
limit will be based to determine whether to allow payment, and by freezing the
client account
payment amount, and generating electronic commitment payment certificate for
conducting real-
time monitoring, which can reduce the risk of funds to protect the interests
of the buyers and the
sellers. In addition, by increasing the loan function, which can not only to
facilitate the buyer, but
also to greatly enrich the bank or other institutions with credit ability to
pay the business.
[0131] Example 8
[0132] As shown in Figure 8, 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:
[0133] The client 10 includes a payment request module 101 configured to
send payment
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request information to the Funds-Management server 30, wherein the payment
request information
includes merchant and merchandise information, and payment amount.
[0134] 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.
[0135] The Funds-Management server 30 includes a receiving module 301, a
judgement
module 302, and a processing module 303, wherein:
[0136] The receiving module 301 is configured to receive payment request
information
transmitted by the client;
[0137] The judgement module 302 is configured to determine whether or not a
payment is
permitted based on the client credit overdraft limit and the payment amount;
[0138] As a preferred example, the judgement module 302 is configured to
determine whether
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; or to further determine whether the client
account funds balance
is greater than or equal to the payment amount, if so, allow to pay.
[0139] The processing module 303 is configured to freeze the credit
overdraft limit
corresponding to the payment amount in the client account when payment is
allowed, and generate
an electronic commitment payment certificate to deliver the electronic
commitment payment
certificate information to the merchant.
[0140] As a preferred example, the receiving module 301 of the Funds-
Management server 30
is also responsible for receiving the payment information; the processing
module 303 also includes
a transferring module, which is configured to transfer the frozen funds to the
account of the
merchant after receiving the payment information.
[0141] 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 freezes
the corresponding funds or credit limit and generates an electronic commitment
payment
certificate based on the payment information, and the merchant 20 provides the
corresponding
merchandise / service based on the electronic commitment payment certificate.
[0142] The general technicians of this field can understand and implement
all or parts of steps
in the above-mentioned examples that can complete the procedure by controlling
relevant
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hardware, and the said procedure can be stored in a readable storage media of
a computer such as
ROM/RAM, disk and light disk.
[0143] The preferred embodiments of the present invention have been described
with reference
to the above accompanying drawings, which are not to limit the scope of the
present invention. It
will be apparent to those skilled in this field that various modifications,
equivalents, and
improvements may be made without departing from the scope and spirit of this
invention.
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