Note: Descriptions are shown in the official language in which they were submitted.
PAYMENT SYSTEM BASED ON DIFFERENT FUNDS-MANAGEMENT SERVERS, AND
PAYMENT METHOD, DEVICE AND SERVER THEREFOR
Technical Field
[0001] This invention refers to e-commerce field, especially, it is a
payment method, device and
server based in different Funds-Management server.
Background Technology
[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 consumers realize online shopping, including 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, if the merchant does not
provide goods or service, or
disputes occur, it is difficult to guarantee financial security. 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.
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:
[0006] A payment system based on a different Funds-Management server
including at least one
first terminal, one second terminal, and an information centre server; a
second Funds-Management
server connected to the first terminal, and a first Funds-Management server
connected to the second
terminal, the first Funds-Management server and the second Funds-Management
server are connected
with the information centre server respectively, wherein:
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[0007] The above-mentioned first terminal sends payment request information
including at least
a payment amount to the second Funds-Management server;
[0008] The above-mentioned second terminal receives a payment certificate
of electronic
commitment delivered by said first Funds-Management server;
[0009] The second Funds-Management server is receives payment request
information delivered
by the first terminal and compares the first terminal account funds balance
with a payment amount to
determine whether an electronic commitment payment certificate can be created;
if the certificate can
be created, the second Funds-Management server freezes the funds balance
corresponding to the
payment amount within the first terminal account, generates the electronic
commitment payment
certificate for the Funds-Management server to commit to pay funds according
to an agreed condition,
and delivers the electronic commitment payment certificate to the second
terminal to make a credit
commitment payment on behalf of the first terminal, and the electronic
commitment payment
certificate shall be synchronized to the information centre server;
[0010] The first Funds-Management server is configured to store the
electronic commitment
payment certificate information transmitted by the second Funds-Management
server and allocate the
received payment amount to the electronic commitment payment certificate
information based on the
electronic payment certificate information in the account of the second
terminal.
[0011] The information centre server is configured to store and supervise
the electronic
commitment payment certificate information.
[0012] A network payment method based on the different Funds-Management
servers is
comprised of the following steps:
[0013] The second Funds-Management server receives the payment request
information sent by
the first terminal, wherein the payment request information includes at least
the payment amount.
[0014] The second Funds-Management server then compares the first terminal
account fund
balance and the payment amount to determine whether or not an electronic
commitment payment
certificate can be generated to make a payment.
[0015] If possible, the second Funds-Management server freezes the funds
balance corresponding
to the payment amount in the first terminal account, and generates an
electronic commitment payment
certificate committed on agreed condition by the second Funds-Management
server. The electronic
commitment payment certificate information is delivered to the second terminal
on behalf of the first
terminal to make a credit commitment payment, and the electronic commitment
payment certificate
shall be synchronized to the information centre server.
[0016] A payment device based on a different Funds-Management server, which
includes a
receiving module, a judging module and a processing module, wherein:
[0017] The receiving module is configured to receive payment request
information transmitted
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by the first terminal connected with the second Funds-Management server,
wherein the payment
request information includes a payment amount;
[0018] The judging module is configured to determine whether the credit
commitment is allowed
to be paid based on the funds balance and the payment amount in the first
terminal account;
[0019] When the processing module is configured to allow payment, the
processing module
freezes the funds balance corresponding to the payment amount in the first
terminal account,
generates an electronic commitment payment certificate, and delivers it to the
second terminal which
is connected to the first Funds-Management server and synchronizing to the
information centre server.
[0020] This invention provides a payment system and its method, device and
server, and
supervises the information of the buyers and sellers through a first Funds-
Management server, second
Funds-Management server and the information centre server, and the regulatory
function is merged
into the bank or other institutions with payment ability; meanwhile, a funds
balance is frozen in the
first terminal account, and an electronic payment certificate is generated and
synchronized it to the
information centre server for real-time monitoring, reducing 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 first Funds-Management server, second Funds-Management
server and the
information centre server, facilitates the security of on-line transactions,
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 enrich the
business of banks or other institutions with credit payment ability.
Brief Description
[0021] Figure 1 is a schematic diagram of the payment system based on cross
Funds-Management
server provided by an Example of the present invention;
[0022] Figure 2 is a flow chart of the payment method based on different
Funds-Management
server provided by an example of the present invention
[0023] Figure 3 is a flow chart of the payment method based on different
Funds-Management
server provided by an example of the present invention;
[0024] Figure 4 is a flow chart of the payment method based on different
Funds-Management
server provided by an example of the present invention;
[0025] Figure 5 is a flow chart of the payment method based on different
Funds-Management
server provided by an example of the present invention;
[0026] Figure 6 is a flow chart of the payment method based on different
Funds-Management
server provided by an example of the present invention;
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[0027] Figure 7 is a flow chart of the payment method based on different
Funds-Management
server provided by an example of the present invention; and
[0028] Figure 8 is a block diagram of a payment device based on different
Funds-Management
server provided by an Example of the present invention.
Detailed Description
[0029] 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.
[0030] Example 1
[0031] As shown in Figure 1, an example of the present invention provides a
payment system
based on different Funds-Management server, which includes at least one first
terminal 10, at least
one second terminal 20, a connected first Funds-Management server 30, the
second Funds-
Management server 40, the first Funds-Management server 30 and the second
terminal 20 for
operating the account of the second terminal 20, and the second Funds-
Management server 40 is
connected to the first terminal 10 for connecting the first terminal 10 of the
account to operate, of
which:
[0032] The first terminal 10 is configured to transmit the payment request
information to the
second Funds-Management server 40, wherein the payment request information
includes the payment
amount.
[0033] Specifically, the first terminal 10 is suitable for the payment
party, such as a terminal used
by a client, including mobile phone, personal computer, PAD, etc., the account
information of the
first terminal 10 is filled in when the customer registers and stored in the
database of the second
Funds-Management service 40 and or the information centre server 50, the
account information of
the first terminal 10 includes client ID, an account opening bank, account
name, a bank account
number, a credit balance, and so on, and may also include the customer's
shipping address. The
payment request information is the information such as the price (payment
amount), the receipt
address and the like after the customer purchases the specific goods /
services, and the first terminal
according to the pre-set rule, transmits the packet to the second Funds-
Management server 40
according to the price of the goods / services, the goods / services.
[0034] The second Funds-Management server 40 is used to receive the payment
request
information delivered from the first terminal 10, based on the payment amount
and the funds balance
of the first terminal account, the credit overdraft limit of first terminal
account and the credit loan
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limit of first terminal account to judge if the account has payment ability.
If the account has payment
ability, the funds or credit corresponding to the payment amount in the funds
balance of the first
terminal account are frozen, and the electronic payment document is generated
based on the payment
request information and the frozen information, and then the electronic
payment document is
delivered to the second terminal, and synchronized to the first Funds-
Management server and
information centre.
[0035] The second terminal 20 is configured to receive the electronic
payment certificate
information transmitted from the second Funds-Management server 40.
[0036] Specifically, the second terminal 20 is adapted to the recipient
(merchant), and the second
terminal includes but is not limited to devices such as servers, POS machines
and so on. Merchants
include but not limited to manufacturers, agents, and logistics companies. The
merchant information
is also registered in the database of the first Funds-Management server 30 and
(or) the information
centre server 50, and the merchant information includes, but not limited to
merchant ID, merchant
name, merchant opening bank, merchant account name, and merchant bank account
number.
[0037] The first Funds-Management server 30 is configured to receive and
store the electronic
payment certificate information transmitted from the second Funds-Management
server 40 and to
allocate the received payment amount to the account of the second terminal
based on the electronic
payment certificate.
[0038] The information centre server 50 is configured to receive the
electronic payment
certificate information transmitted from the second Funds-Management server
40.
[0039] Wherein, the electronic commitment payment certificate information
is the key
information in the payment behaviour, which is convenient to subsequent follow-
up of the electronic
payment certificate information at any time by backing up the information
through information centre
50, and validates whether there is an exception in the payment behaviour.
[0040] In the present example, more than one first terminals 10 are
connected to the second
Funds-Management server 40 via the Internet, and more than one secondary
terminals 20 are
connected to the first Funds-Management server 30 via the Internet, that is,
the server where the
second terminal 20 are at and the server where the first terminal 10 are
located are both Funds-
Management servers. The Funds-Management server can be a single servers in a
physical sense, e.g.,
they can work in parallel, and the resources of the server are automatically
allocated to realize the
Funds-Management according to the different traffic. The Funds-Management
server includes but not
limited to servers in organizations such as banks, businesses, and so on. In
practical applications, it
can be seen as the same bank's cluster Funds-Management server, but it is not
limited to banks, it also
supports the flow of funds in other institutions in the Internet. The
information of the first Funds-
Management server 30 and the second Funds-Management server 40 is supervised,
and the
Date Recue/Date Received 2020-12-10
supervisory function is incorporated into a bank or other third party
organization.
[0041] Example 2
[0042] As shown in Figure 2, an example of the present invention provides a
payment method
based on different Funds-Management server for use in a Funds-Management
server, which method
comprises the steps of:
[0043] S201, the first terminal transmits the payment request information
to the second Funds-
Management server, and the payment request information includes the payment
amount.
[0044] Specifically, the payment request information received by the second
Funds-Management
server includes merchant information, product information and payment amount,
and may include
first terminal information such as a client ID. Among them, the merchant
information can be
merchants' account number, and it can also be the only identification of the
merchant information
(such as merchant ID), to find the corresponding bank account information
based on the unique
identification of the business from the database by the second Funds-
Management server. In the
specific application, the account information of the second terminal should be
kept confidential from
the first terminal, so the merchant information should preferably be the
merchant ID, and the second
Funds-Management server inquires the merchant's receipt by using the
corresponding relationship
between the merchant ID and its receiving account. In other words, the first
terminal only need to
inform the second Funds-Management server to pay how much funds of which goods
belongs to
which merchant, the second Funds-Management server will be able to call out
the merchant account
to implement the appropriate payment operation.
[0045] S202, the second Funds-Management server receives the first terminal
to deliver the
payment request information.
[0046] S203, compare the balance of the first terminal account and the
payment amount to
determine whether to generate electronic commitment to pay the certificate to
be paid; if allowed to
pay, then enter the S209; otherwise, terminate the payment, and end the
process.
[0047] S209, the second Funds-Management server freezes the funds
corresponding to the
payment amount in the first terminal account.
[0048] This step only freezes the payment amount to ensure that there is
sufficient funds to
complete the transaction subsequently, but does not directly transfer to the
merchant account, which
guaranteed the interests of buyers and sellers, the first terminal, the second
terminal or the logistics
company can deliver the payment information subsequently to confirm the
delivery is completed, the
second Funds-Management server transfers the released funds to the first Funds-
Management server
after receiving the payment information.
[0049] S210, the second Funds-Management server generates the electronic
commitment
payment certificate based on the payment request information and the freezing
information, and
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transmits the electronic commitment payment certificate to the second
terminal;
[0050] Specifically, since the payment request information is delivered by
the buyer to the Funds-
Management server through the first terminal operation, the payment
information is objectively
confirmed by the customer and authorized by the bank. The second Funds-
Management server freezes
the corresponding funds and generates an electronic commitment payment
certificate based on the
payment information, and the second terminal provides the corresponding
merchandise / service
according to the electronic commitment payment certificate.
[0051] S211, the second Funds-Management server sends the electronic
payment certificate to
the second terminal and synchronizes to the information centre server and the
first Funds-
Management server; Specifically, this step sends the generated electronic
certificate information to
the information centre server so that the information centre server performs
subsequent tracking.
[0052] S212, the second Funds-Management server receives the payment
information.
[0053] S213, the second Funds-Management server transfers to the first
Funds-Management
server.
[0054] S214, the first Funds-Management server transfers the received
payment amount to the
account of the second terminal.
[0055] The payment method provided by the example of the present invention
receives the
payment request information of the first terminal through the second Funds-
Management server,
determines whether or not the payment is permitted based on the balance of the
first terminal account
funds and the payment amount, and by freezing the funds of the first terminal
account, and generating
electronic commitment payment certificate and synchronizing it to the
information centre server in
order to make real-time monitoring, which can reduce the risk of funds and
protect the interests of
buyers and sellers.
[0056] Example 3
[0057] As shown in Figure 3, an example of the present invention provides a
payment method
based on different Funds-Management server for use in a Funds-Management
server, which method
comprises the steps of:
[0058] S201, the first terminal transmits the payment request information
to the second Funds-
Management server, and the payment request information includes the payment
amount.
[0059] S202, the second Funds-Management server receives the payment
request information
sent by the first terminal;
[0060] Specifically, the payment request information received by the second
Funds-Management
server includes merchant information, product information and payment amount,
and it may also
include first terminal information (for an example, client ID). Among them,
the merchant information
can be merchants' account number, and it can also be the only identification
of the merchant
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information (such as merchant ID), to find the corresponding bank account
information based on the
unique identification of the business from the database by the second Funds-
Management server. In
the specific application, the account information of the second terminal
should be kept confidential
from the first terminal, so the merchant information should preferably be the
merchant ID, and the
second Funds-Management server inquires the merchant's receipt by using the
corresponding
relationship between the merchant ID and its receiving account. In other
words, the first terminal only
need to inform the second Funds-Management server to pay how much funds of
which goods belongs
to which merchant , the second Funds-Management server will be able to call
out the merchant
account to implement the appropriate payment operation.
[0061]
S203, compare the first terminal account funds balance and the payment amount
to
determine whether to generate electronic commitment payment certificate for
conducting
commitment payment; if allowed to pay, enter S209; otherwise enter S204.
[0062]
S204, compare the first terminal account credit overdraft limit and the
payment amount to
determine whether to generate electronic commitment payment certificate for
conducting
commitment payment; if allowed to pay, enter S209; otherwise, end the process.
[0063]
Wherein the bank account of the first terminal can be informed to the second
Funds-
Management server by the first terminal in the payment request information, or
can be queried
from the database according to the first terminal ID by the second Funds-
Management server.
[0064]
S209, the second Funds-Management server freezes the funds or credit overdraft
limit
corresponding to the payment amount in the first terminal account.
[0065]
This Step only freezes the amount of funds or credit overdraft limit to ensure
that there is
sufficient funds to complete the transaction, but does not directly transfer
to the merchant account, so
that the interests of buyers and sellers can be protected, the following steps
can be completed by the
first terminal, the second terminal or the logistics company delivering the
payment information to
confirm the completion of the delivery. After the Funds-Management server
receives the payment
information, allocates the thawing funds or the same amount comparing with
payment funds to the
merchant account.
[0066]
S210, the second Funds-Management server generates the electronic commitment
payment certificate according to the payment request information and the
freezing information;
[0067]
Specifically, since the payment request information is sent by the buyer to
the second
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized by the bank. The second
Funds-Management
server freezes the corresponding amount of funds or credit overdraft, and
generates an electronic
commitment payment certificate based on the payment information, and the
second terminal provides
the corresponding merchandise / service according to the electronic commitment
payment certificate.
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[0068] S211, transmits the electronic payment certificate to the second
terminal, and synchronizes
to the information centre server and the first Funds-Management server.
[0069] Specifically, this step sends the generated electronic certificate
information to the
information centre server so that the information centre server performs
subsequent tracking.
[0070] S212, the second Funds-Management server receives the payment
information.
[0071] S213, the second Funds-Management server transfers to the first
Funds-Management
server.
[0072] S214, the first Funds-Management server transfers the received
payment amount to the
account of the second terminal.
[0073] The payment method provided by the example of the present invention
receives the
payment request information of the first terminal through the second Funds-
Management server,
determines whether or not the payment is permitted based on the balance of the
first terminal account
funds and the payment amount, freezes the funds of the first terminal account,
generates the electronic
commitment payment certificate and synchronizes it to the information centre
server in order to make
real-time monitoring, which can reduce the risk of funds and protect the
interests of buyers and sellers.
[0074] Example 4
[0075] As shown in Figure 4, an example of the present invention provides a
payment method
based on different Funds-Management server for use in a Funds-Management
server, which method
comprises the steps of:
[0076] S201, the first terminal transmits the payment request information
to the second Funds-
Management server, and the payment request information includes the payment
amount.
[0077] S202, the second Funds-Management server receives the payment
request information
sent by the first terminal.
[0078] Specifically, the payment request information received by the Funds-
Management server
includes merchant information, merchandise information and payment amount, and
may include first
terminal information (e.g., client ID). Among them, the merchant information
can be directly the
merchant's receiving account, you can also uniquely identify the merchant
information (for an
example, merchant ID), by the Funds-Management server based on the unique
identification of the
merchant from the database to find the corresponding bank account information.
In the specific
application, the account information of the second terminal should be kept
confidential with respect
to the first terminal, so the merchant information is preferably the merchant
ID, and the Funds-
Management server inquires the merchant's receivable account by using the
correspondence
relationship between the merchant ID and its receiving account. In other
words, the first terminal only
need to inform the Funds-Management server to pay how much funds of which
goods belongs to
which merchant, the Funds-Management server will be able to call out the
merchant account to
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implement the appropriate payment operation.
[0079] S203, the second Funds-Management server compares the first terminal
account balance
and the payment amount to determine whether or not an electronic commitment
payment certificate
can be generated, and the payment proceeds to S209 if the payment is allowed.
Otherwise, the process
proceeds to Step S204.
[0080] Wherein the bank account of the first terminal can be informed to
the Funds-Management
server by the first terminal in the payment request, or can be queried from
the database according to
the first terminal ID by the Funds-Management server.
[0081] S204, compares the second Funds-Management server with the first
terminal account
credit loan limit and the payment amount to determine whether or not an
electronic commitment
payment certificate can be generated, and if allowed, the process proceeds to
S209, otherwise the
process proceeds to Step S204.
[0082] S209, the second Funds-Management server to freeze the first
terminal account in the
funds balance or credit loan limit.
[0083] This Step only freezes the funds or credit limit to ensure that
there is sufficient funds to
complete the transaction, but does not directly transfer to the merchant
account, so that the interests
of buyers and sellers can be protected, the following steps can be completed
by the first terminal, the
second terminal or the logistics company delivering the payment information to
confirm the
completion of the delivery. After the Funds-Management server receives the
payment information,
allocates the thawing funds to the merchant account.
[0084] S210, the second Funds-Management server generates the electronic
commitment
payment certificate according to the payment request information and the
freezing information;
[0085] Specifically, since the payment request information is sent by the
buyer to the second
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized by the bank. The second
Funds-Management
server will freeze the corresponding the funds balance or credit loan limit;
meanwhile, it will generate
an electronic commitment payment certificate based on the payment information,
and the second
terminal will provide the corresponding goods / services according to the
electronic commitment
payment certificate.
[0086] S211, transmits the electronic payment certificate to the second
terminal, and synchronizes
to the information centre server and the first Funds-Management server.
Specifically, this step sends
the generated electronic certificate information to the information centre
server so that the information
centre server performs subsequent tracking.
[0087] S212, the second Funds-Management server receives the payment
information;
[0088] S213, the second Funds-Management server transfers to the first
Funds-Management
Date Recue/Date Received 2020-12-10
server;
[0089] S214, the first Funds-Management server transfers the received
payment amount to the
account of the second terminal.
[0090] The payment method provided by the example of the present invention
receives the
payment request information of the first terminal through the second Funds-
Management server,
determines whether or not the payment is permitted based on the funds balance
or credit loan limit of
the first terminal account, and by freezing the funds or limit of the first
terminal account, and
generating electronic commitment payment certificate and synchronizing it to
the information centre
server in order to make real-time monitoring, which can reduce the risk of
funds and protect the
interests of buyers and sellers.
[0091] Example 5
[0092] As shown in Figure 5, an example of the present invention provides a
payment method
based on different Funds-Management server for use in a Funds-Management
server, which method
comprises the steps of:
[0093] S201, the first terminal transmits the payment request information
to the second Funds-
Management server, and the payment request information includes the payment
amount.
[0094] Specifically, the payment request information received by the second
Funds-Management
server includes merchant information, product information and payment amount,
and may include
first terminal information such as a 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 second terminal should be kept confidential from
the first terminal, so the
merchant information should preferably be the merchant ID, and the second
Funds-Management
server inquires the merchant's receipt by using the corresponding relationship
between the merchant
ID and its receiving account. In other words, the first terminal only need to
inform the second Funds-
Management server to pay how much funds of which goods belongs to which
merchant, the second
Funds-Management server will be able to call out the merchant account to
implement the appropriate
payment operation.
[0095] S202, the second Funds-Management server receives the first terminal
to deliver the
payment request information.
[0096] S203, the first terminal account balance and the payment amount are
compared to
determine whether or not an electronic commitment payment document can be
generated. If the
payment is allowed, S209 is entered; otherwise the process proceeds to Step
S204.
[0097] S204, compares the credit overdraft limit of the account and the
payment amount to
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determine whether or not the electronic commitment payment certificate can be
generated. If the
payment is allowed, the process proceeds to S209; otherwise the process
proceeds to Step S205.
[0098] S205, compare the first terminal account credit loan limit and the
amount of payment to
determine whether to generate electronic commitment certificate to pay, if
allowed, then enter S209,
otherwise, to terminate the payment and the process.
[0099] S209, the second Funds-Management server freezes corresponding
balance or credit limit
equal to the payment amount in the first terminal account.
[0100] This Step only freezes the funds or credit limit to ensure that
there is sufficient funds to
complete the transaction, but does not directly transfer to the merchant
account, so that the interests
of buyers and sellers can be protected, the following steps can be completed
by the first terminal, the
second terminal or the logistics company delivering the payment information to
confirm the
completion of the delivery. After the Funds-Management server receives the
payment information,
allocates the thawing funds to the merchant account.
[0101] S210, the second Funds-Management server generates the electronic
commitment
payment certificate according to the payment request information and the
freezing information;
[0102] Specifically, since the payment request information is sent by the
buyer to the second
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized by the bank. The second
Funds-Management
server freezes the corresponding funds or credit loan limit and generates an
electronic commitment
payment certificate based on the payment information, and the second terminal
provides the
corresponding merchandise / service according to the electronic commitment
payment certificate.
[0103] S211, transmits the electronic payment certificate to the second
terminal, and synchronizes
to the information centre server and the first Funds-Management server.
Specifically, this step sends
the generated electronic certificate information to the information centre
server so that the information
centre server performs subsequent tracking.
[0104] S212, the second Funds-Management server receives the payment
information.
[0105] S213, the second Funds-Management server transfers to the first
Funds-Management
server;
[0106] S214, the first Funds-Management server transfers the received
payment amount to the
account of the second terminal.
[0107] The payment method provided by the example of the present invention
receives the
payment request information of the first terminal through the Funds-Management
server, the first
terminal account funds balance, the first terminal account credit overdraft
limit and the first terminal
account credit loan limit will be based to determine whether to allow payment,
and by freezing the
first terminal account payment amount, and generating electronic commitment
payment certificates
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and synchronizing it to the information centre server in order to make real-
time monitoring, which
can reduce the risk of funds to protect the interests of the buyers and the
sellers.
[0108] Example 6
[0109] As shown in Figure 6, an example of the present invention provides a
payment method
based on different Funds-Management server for use in a Funds-Management
server, which method
comprises the steps of:
[0110] S201, the first terminal transmits the payment request information
to the second Funds-
Management server, and the payment request information includes the payment
amount.
[0111] S202, the second Funds-Management server receives the payment
request information
sent by the first terminal.
[0112] Specifically, the payment request information received by the second
Funds-Management
server includes merchant information, product information and payment amount,
and it may also
include first terminal information (for an example, client ID). Among them,
the merchant information
can be merchants' account number, and it can also be the only identification
of the merchant
information (such as merchant ID), to find the corresponding bank account
information based on the
unique identification of the business from the database by the second Funds-
Management server. In
the specific application, the account information of the second terminal
should be kept confidential
from the first terminal, so the merchant information should preferably be the
merchant ID, and the
second Funds-Management server inquires the merchant's receipt by using the
corresponding
relationship between the merchant ID and its receiving account. In other
words, the first terminal only
need to inform the second Funds-Management server to pay how much funds of
which goods belongs
to which merchant , the second Funds-Management server will be able to call
out the merchant
account to implement the appropriate payment operation.
[0113] S203, the first terminal account balance and the payment amount are
compared to
determine whether or not an electronic commitment payment document can be
generated. If the
payment is allowed, S209 is entered; otherwise the process proceeds to Step
S204.
[0114] S204, compares the credit amount of the account and the payment
amount to determine
whether or not the electronic commitment payment certificate can be generated.
If the payment is
allowed, the process proceeds to S209; otherwise the process proceeds to Step
S205.
[0115] S205, compare account credit overdraft limit and payment amount to
determine whether
to generate electronic commitment payment certificate for payment; if allowed
to pay, then enter
S209; otherwise, end the process.
[0116] S209, the second Funds-Management server freezes corresponding
balance or credit limit
equal to the payment amount in the first terminal account.
[0117] This Step only freezes funds or credit limit to ensure that there is
sufficient funds to
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complete the transaction, but does not directly transfer to the merchant
account, so that the interests
of buyers and sellers can be protected, the following steps can be completed
by the first terminal, the
second terminal or the logistics company delivering the payment information to
confirm the
completion of the delivery. After the Funds-Management server receives the
payment information,
allocates the thawing funds or the same amount comparing with payment funds to
the merchant
account.
[0118] S210, the second Funds-Management server generates the electronic
commitment
payment certificate according to the payment request information and the
freezing information.
[0119] Specifically, since the payment request information is sent by the
buyer to the second
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized by the bank. The second
Funds-Management
server freezes the corresponding funds or credit loan limit and generates an
electronic commitment
payment certificate based on the payment information, and the second terminal
provides the
corresponding merchandise / service according to the electronic commitment
payment certificate.
[0120] S211, transmits the electronic payment certificate to the second
terminal, and synchronizes
to the information centre server and the first Funds-Management server.
Specifically, this step sends
the generated electronic certificate information to the information centre
server so that the information
centre server performs subsequent tracking.
[0121] S212, the second Funds-Management server receives the payment
information.
[0122] S213, the second Funds-Management server transfers to the first
Funds-Management
server.
[0123] S214, the first Funds-Management server transfers the received
payment amount to the
account of the second terminal.
[0124] The payment method provided by the example of the present invention
receives the
payment request information of the first terminal through the Funds-Management
server, determines
whether or not the payment is permitted based on the balance of the first
terminal account funds and
the payment amount, and by freezing the funds or credit overdraft limit of the
first terminal account,
and generating electronic commitment payment certificate and synchronizing it
to the information
centre server in order to make real-time monitoring, which can reduce the risk
of funds and protect
the interests of buyers and sellers.
[0125] Example 7
[0126] 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:
[0127] The receiving module 301 is configured to receive payment request
information delivered
by the first terminal which is connected to the second Funds-Management
server, wherein the
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payment request information includes a payment amount.
[0128] Specifically, the payment request information received by the
receiving module 301
includes merchant information, merchandise information and payment amount, and
may as well
include first terminal information (for an example, client ID). Among them,
the merchant information
can be directly the merchants receiving account, you can also uniquely
identify the merchant
information (for an example, merchant ID). In specific application, the
account information of the
second terminal should be kept confidential with respect to the first
terminal, so the merchant
information is preferably the merchant ID, that is, the first terminal simply
needs to informs the
Funds-Management server to pay to which merchant' goods, the device will call
out the merchant
account to implement corresponding payment operation.
[0129] The judgement module 302 is configured to determine whether or not
to allow payment
based on the first terminal account fund balance or the credit overdraft limit
or the credit loan limit
and the payment amount.
[0130] As a preferred scheme, the judgement module 302 is specifically
configured to determine
whether the balance of the funds of the first terminal 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
credit limit is greater
than the payment amount, if it is allowed to pay, or not allowed to pay. In
this way, to determine the
ability of paying of the first terminal account, you can save the payment
cycle to protect the interests
of businesses. Wherein the bank account of the first terminal may be informed
to this device by the
first terminal in the payment request information, or the device may inquire
it from the database based
on the first terminal information, and obtains the funds balance or the credit
limit of the corresponding
first terminal account. Only in the first terminal account of the funds
balance or credit limit greater
than or equal to the payment amount, it means that customers have the ability
to pay behaviour, this
time to allow payment behaviour. When using a Funds-Management server to
obtain a bank account
or credit card account based on the Funds-Management server, a customer may
have multiple
accounts, and a mixed payment method may also be used.
[0131] When the processing module 303 is configured to allow payment,
freezing the funds
corresponding to the payment amount in the first terminal account; generating
an electronic
commitment payment certificate and delivering it to the second terminal which
is connected to the
second Funds-Management server and synchronizing to the information centre
server.
[0132] Preferably, the processing module 303 further includes a freeze unit
3031, a certificate
generation unit 3032, and a synchronization unit 3033, wherein:
[0133] The freezing unit 3031 is configured to freeze the funds
corresponding to the payment
amount in the first terminal account when payment is allowed.
Date Recue/Date Received 2020-12-10
[0134] The certificate generation unit 3032 is configured to generate an
electronic commitment
payment document.
[0135] The synchronization unit 3033 is configured to deliver the
electronic commitment
payment certificate information to the second terminal, and synchronizing to
the information centre
server.
[0136] In addition, the processing module 303 may include a transfer unit,
configured to receive
the payment information, synchronize the payment information to the
information centre server, and
allocate the frozen funds to the Funds-Management server.
[0137] It is to be noted that the technical features of the above-described
method examples 2 and
3 are applicable in the present apparatus and are not repeated here.
[0138] In addition, the present invention provides a Funds-Management
server including a
payment device in the Example 7, which is not repeated here.
[0139] The payment device and server provided by the example of the present
invention receives
the payment request information of the first terminal, determines whether or
not the payment is
permitted based on the funds balance or credit loan limit of the first
terminal account, and by freezing
the funds or credit limit of the first terminal account, and generating
electronic commitment payment
certificate and synchronizing it to the information centre server in order to
make real-time monitoring,
which can reduce the risk of funds and protect the interests of buyers and
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.
[0140] Example 8
[0141] As shown in Figure 8, a preferred payment method provided by the
example of the present
invention based on a different Funds-Management server, which includes a first
terminal 10, a second
terminal 20, a second Funds-Management server 40 connected to the first
terminal 10, a Funds-
Management server 20 connected to the Funds-Management server 30, and the
information centre 50
connected to the first Funds-Management server 30 and second Funds-Management
server40
respectively, including:
[0142] The information centre server 50 is used to store and supervise the
electronic commitment
payment certificate information.
[0143] The first terminal 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.
[0144] The second terminal 20 includes a certificate receiving module 201
and a certificate
updating module 202, wherein the certificate receiving module 201 is
configured to receive the
electronic commitment payment certificate sent by the fund managing server 30.
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[0145] The second Funds-Management server 40 includes a receiving module
301, a judgement
module 302, and a processing module 303, wherein:
[0146] The receiving module 301 is configured to receive payment request
information
transmitted by the first terminal;
[0147] The judgement module 302 is configured to determine whether or not a
credit commitment
payment is permitted based on the balance of the first terminal account funds
and the payment
amount.
[0148] As a preferred example, the judgement module 302 is configured to
determine whether
the balance of the first terminal 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 first terminal
account credit loan limit
is greater than or equal to the payment amount, if so, allow credit commitment
to pay.
[0149] The processing module 303 is configured to freeze the funds amount
or credit limit of the
funds corresponding to the payment amount in the client account when the
payment of credit
commitment is allowed, and generate the electronic commitment payment
certificate to deliver the
electronic commitment payment certificate information to the second terminal
and synchronize to the
information centre server.
[0150] 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 equal funds to the
account of the second terminal
account after receiving the payment information.
[0151] Specifically, since the payment request information is sent by the
buyer to the Funds-
Management server 30 through the first terminal 10, the payment information is
objectively
confirmed by the first terminal 10 authorizes 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 second terminal 20
provides the corresponding
merchandise / service based on the electronic commitment payment certificate.
[0152] 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.
[0153] 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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