Note: Descriptions are shown in the official language in which they were submitted.
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Title: CROSS-FUNDS MANAGEMENT SERVER-BASED PAYMENT SYSTEM, AND
METHOD, DEVICE AND SERVER
[1] [Technical Field]
[2] This invention refers to e-commerce field, especially, it is a cross
Funds-Management
server payment system and its method, device and server.
[3] [Background Technology]
[4] E-commerce has become increasingly widely used in a variety of
commercial trade
activities, the so-called e-commerce is a business operation model that based
on the
browser and server applications helps consumer realize online shopping, online
transactions between merchants and online electronic payments, as well as a
variety of
business activities, trading activities, financial activities and related
integrated service
activities in the commercial trade, and in the Internet open network
environment.
[5] At present, many banks or enterprises have provided a network of
payment services,
allowing customers to operate computers, mobile phones and other terminal
equipment to
achieve network payment, the way of the network payment provides customers
with a great
convenience. But in the process of network payment, the payment is conducted
by directly
using the existing funds in the debit cards or credit card, or allocating the
credit limit of the
existing funds or credit card to the third party as a guarantee for the
transaction, once the
merchant does not provide goods or service, or disputes occur, the financial
security is
difficult to be guaranteed. Thus, the need for new payment systems, methods,
devices and
servers at this stage to reduce the risk of user funds and to protect the
interests of buyers
and sellers.
[6] [Summary of the invention]
[7] In view of the above, the technical problem to be solved by the present
invention is to
provide a payment system, and its payment method, device and server based on a
cross
Funds-Management server to reduce the risk of user funds, and to protect the
interests of
buyers and sellers.
[8] The technical solution of the present invention to solve the above-
mentioned technical
problems is as follows:
[9] A payment system based on a cross Funds-Management server comprising at
least one
client, at least one Merchant and a second Funds-Management server connected
to the
client and a first Funds-Management server connected to the Merchant, wherein:
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[10] The said client for sending payment request information including at
least the payment
amount to the said second Funds-Management server;
[11] The said Merchant for receiving the electronic commitment payment
certificate sent by the
second Fund-Management server;
[12] The second Funds-Management server is used for receiving payment
request information
delivered by the client; comparing the sum of the credit overdraft limit,
credit loan limit
and funds balance with the payment amount to of the client to determine
whether an
electronic commitment payment certificate can be created; if possible, the
second
Funds-Management server freezing the credit overdraft limit, credit loan limit
and funds
balance within the client account, making the frozen funds exceeds or equals
to the
payment amount; generating the electronic commitment payment certificate of
the second
Funds-Management server which commit to pay funds according to the agreed
condition,
and delivering the electronic commitment payment certificate to the merchant
to make a
credit commitment payment on behalf of the client;
[13] The first Funds-Management server is configured to store the
electronic payment document
information transmitted by the second Funds-Management server and allocate the
received
payment amount to the Merchant and account based on the electronic payment
document
information;
[14] According to another aspect of the present invention, there is a
payment method based on a
cross Funds-Management server, the method comprises the steps of:
[15] The second Funds-Management server receives the payment request
information sent by
the client, wherein the payment request information includes at least the
payment amount;
[16] By comparing the sum of credit overdraft limit, credit loan limit and
funds balance with the
payment amount to determine whether an electronic commitment payment
certificate is to
be generated;
[17] If possible, the second Funds-Management server respectively freezing
the credit overdraft
limit, credit loan limit and funds balance within a client account; making the
total frozen
amount is greater or equal to the payment amount, generating the electronic
commitment
payment certificate for the second Funds-Management server which commit to pay
funds
according to an agreed condition, and delivering the electronic commitment
payment
certificate to a merchant which is connected to the first Funds-Management
server to make
a credit commitment payment on behalf of the client.
[18] A payment device based on the cross Funds-Management server, the said
device
comprising a receiving module, a judging module and a processing module,
wherein.
[19] The receiving module is configured to receive payment request
information delivered by
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the client connected with the second Funds-Management server, wherein the
payment
request information includes a payment amount;
[20] The judgement module is configured to compare the sum of the client'
credit overdraft
limit, credit loan limit and funds balance and the payment amount to determine
whether the
electronic commitment payment document can be issued;
[21] The processing module is configured to freeze the credit overdraft
limit, credit loan limit
and funds balance in the client account respectively when the payment is
allowed so that
the total amount of the freezing are greater or equal to the payment amount;
generating the
electronic commitment payment certificate and delivering to the client
connected to the
first Funds-Management server.
[22] A server based on the cross Funds-Management server, which comprising
a payment
device according to any one of above payment device.
[23] The present invention provides a payment system based on cross Funds-
Management
server and its method, device and server, supervises the information of the
buyers and
sellers through the Funds-Management server, and the regulatory function is
merged into
the bank or other institutions with payment ability; meanwhile, it freezes the
credit
overdraft limit, credit loan limit and funds balance of the client and
generates electronic
commitment payment certificates, which can monitoring in real-time and reduce
the risk of
funds to protect the interests of buyers and sellers; this program makes full
use of the credit
centre function of the Funds-Management server and the function of risk
control centre to
facilitate the security of on-line transactions and guarantee transaction
funds with a more
optimized credit mechanism, providing credit media for both parties to the
transaction, and
reducing the risk of funds through the supervision of funds to protect the
interests of both
parties. In addition, it brings convenience to the customer by adding loan
functions, which
also enriches businesses of banks or other institutions with credit payment
ability.
[24] [Brief Description]
[25] Figure 1 is a schematic diagram of the payment system based on a cross
Funds-Management server that provided by the first example of the present
invention;
[26] Figure 2 is a flow chart of the payment method based on a cross Funds-
Management server
provided by the second example of the present invention;
[27] Figure 3 is a block diagram of a payment device based on a cross Funds-
Management
server provided by the fourth example of the present invention;
[28] Figure 4 is a block diagram of a payment system based on cross Funds-
Management server
provided by the fifth example of the present invention.
[29] [Description of the Preferred Examples]
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[30] 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.
[31] Example 1
[32] As shown in Figure 1, an example of the present invention provides a
cross
Funds-Management server payment system comprising at least one client 10, at
least one
merchant 20, and interconnected first fund server -based 30 and a second
Funds-Management server 40, wherein:
[33] The client 10 is connected with server 40 of the second Funds-
Management server for
transmitting the payment request information to the second Funds-Management
server 40,
and the payment request information includes the payment amount.
[34] Specifically, the client 10 is suitable for the payer (buyer), such as
the intelligent devices
used by a client, including a mobile phone, a personal computer, and a PAD,
the account
information of the client 10 is to fill in when the customer registers and
store to the
database of the Fund-Management server ,the account information of the client
10 includes
information such as a client ID, an account opening bank, an account name, a
bank account
number, and a credit balance and so on, and it may also include the client's
shipping
address information. The payment request information is the information that
the customer
has written and confirmed shipping address information after the customer
purchases the
specific goods/services. According to the pre-set rules, price of the
goods/services, and
commercial Merchants of the goods/services, the client 10 generates data
package; the
packet will be transmitted to the second Fund-Management server 40. The
payment request
information includes at least the payment amount, and may include the Merchant
information and the product information. Among them, the Merchant information
can be
directly the Merchant's receiving account, it can also uniquely identify the
Merchant
information (for an example, Merchant ID), by the second Fund-Management
server 40 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 Merchant
20 should be kept confidential with respect to the client 10, so the Merchant
information is
preferably the Merchant ID, and the second Fund-Management server 40 inquires
the
Merchant's receiving account by using the corresponding relationship between
the
Merchant ID and its receiving account number. In other words, the client 10
only needs to
inform the second Funds-Management server 40 to which Merchant and which goods
to
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pay the amount of funds, the second Fund-Management server 40 will be able to
call out
the Merchant account to implement the appropriate payment operation.
[35] The Merchant 20 is connected to the first Fund-Management server 30
for receiving the
electronic commitment payment certificate transmitted by the second Fund-
Management
server 40.
[36] Specifically, the Merchant 20 is adapted to the recipient (Merchant),
and the Merchant
includes but not limited to devices such as servers, and POS machines and so
on.
Merchants include but not limited to manufacturers, agents, logistics
companies, etc. The
Merchant information is also registered in the database of the Fund-Management
server,
and the Merchant information includes, but not limited to, Merchant ID,
Merchant name,
Merchant bank, Merchant account name, and bank Merchant account number. The
Merchant 20 receives the electronic commitment payment voucher transmitted
from the
second Fund-Management server 40, and extracts the merchandise information and
the
goods receipt information in the electronic commitment payment voucher
information to
designate the merchandise transmission destination.
[37] The second Funds-Management server 40 is used for receiving the
payment request
information delivered by a client 10; comparing the sum of the credit
overdraft limit, credit
loan limit and funds balance of the client with a payment amount to determine
whether an
electronic commitment payment certificate can be created; if possible, the
Funds-Management server respectively freezing the credit overdraft limit,
credit loan limit
and funds balance within a client account, the funds balance and the credit
overdraft limit
corresponding to the payment amount; generating the electronic commitment
payment
certificate for the second Funds-Management server 40 to commit to pay funds
according
to an agreed condition, and delivering the electronic commitment payment
certificate to a
merchant 20 to make a credit commitment payment on behalf of the client.
[38] Specifically, the second Funds-Management server 40 receives the
packet of the payment
request information and analyses it according to the reset rule to obtain the
relevant
payment information including but not limited to the Merchant information, the
merchandise information, and the payment amount And other necessary
information, that
is, to which Merchant which goods to pay the amount of money. The second
Funds-Management server 40 inquires whether the sum of the credit overdraft
limit, credit
loan limit and funds balance in the client account is sufficient for the
current settlement,
and if it is insufficient, the payment is terminated and, if sufficient,
freezing respectively
the credit overdraft limit, credit loan limit and funds balance in the payment
amount, so
that the total frozen amount is greater or equal to the amount of the payment,
transfers the
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funds until the merchant confirms the delivery or the customer confirms the
receipt.
[39] It is understandable that freezing the credit overdraft limit, credit
loan limit and funds
balance amount corresponding to the payment amount are included the following
cases:
[40] 1. Only the balance of the funds in the client account is frozen so
that the total amount of
the frozen is greater than or equal to the payment amount.
[41] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or equal to
the payment amount.
[42] 3. Only to freeze the amount of credit overdraft limit, so that the
total amount of frozen are
greater than or equal to the amount of the payment.
[43] 4. Respectively, to freeze the balance of funds and credit overdraft
limit of the client's
account, making the total amount of frozen greater than or equal to the amount
of the
payment.
[44] 5. Respectively, to freeze part of the balance of funds and credit
loan limit of the client's
account, making the total amount of frozen greater than or equal to the amount
of the
payment.
[45] 6. Respectively, to freeze part of the credit loan limit and credit
overdraft limit of the
client's account, making the total amount of frozen greater than or equal to
the amount of
the payment.
[46] 7. Respectively, to freeze part of the credit loan limit and credit
overdraft limit of the
client's account, as well as the funds balance, making the total amount of
frozen greater
than or equal to the amount of the payment.
[47] Specifically, the Funds-Management server 40 may further determine
whether or not the
payment operation is made in accordance with the state of the electronic
commitment
payment certificate information, that is, the payment request is only freezing
the credit
overdraft limit, credit loan limit and funds balance, transferring and
deducting the credit
loan limit and credit loan limit after the delivery.
[48] In the present example, the second Funds-Management server 40 may be
connected to the
plurality of clients 10 and via the Internet at the same time. The first funds-
management
server 30 may be connected to a plurality of Merchant terminals 20 and via the
Internet at
the same time. That is, the server where the Merchant 20 is located is not on
the same
server as the server where the client 10 is located. The second Fund-
Management server 40
and the first Fund-Management server 30 can be a single server in the physical
sense, or it
can work in parallel for multiple servers in the physical sense, such as
multiple physical
servers. According to the different traffic, the resources of the server are
automatically
allocated to realize the Fund-Management. The second Fund-Management server 40
and
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the first Fund-Management server 30 includes but is not limited to servers in
institutions
such as banks, businesses, and so on. In the practical applications, it can be
understood as
the same bank's cluster Fund-Management server, but not limited to banks, but
also the
Internet to support the flow of funds in other institutions. To supervise the
information of
the buyers and sellers by the Funds-Management server which can regulate the
regulatory
function into the bank or other institutions with credit ability to pay.
[49] Example 2
[50] As shown in Figure 2, an example of the present invention provides a
payment method
based on a cross Funds-Management server for use in a fund server-based, which
method
comprises the following steps:
[51] S201, the client transmits the payment request information to the
second
Funds-Management server, and the payment request information includes the
payment
amount.
[52] Specifically, the payment request information received by the second
Fund-Management
server includes Merchant information, product information and payment amount,
and it
may also include the client 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 Merchant should be kept confidential with respect to the
client .so the
Merchant information is preferably the Merchant ID, and the second Funds-
Management
server inquires the Merchant's receiving account by using the corresponding
relationship
between the Merchant ID and its receiving account number. In other words, the
client only
needs to inform the second Fund-Management server to which Merchant and which
goods
to pay the amount of funds, the second Fund-Management server will be able to
call out
the Merchant account to implement the appropriate payment operation.
[53] S202, the second Fund-Management server receives the client to send
the payment request
information;
[54] S203, inquiring the sum of the credit overdraft limit, credit loan
limit and funds balance,
comparing the sum of the credit overdraft limit, credit loan limit and funds
balance with the
payment amount, if the sum is greater or equal to the amount, it is
sufficient; if the sum is
less than the amount, it is insufficient. When the amount of credit overdraft
limit, credit
loan limit and funds balance is sufficient, step S204 will be executed,
otherwise, not to pay;
[55] S204, the second Funds-Management server freezes the credit overdraft
limit, credit loan
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limit and funds balance in client account corresponding to the amount of
payment; it is
understand that the frozen credit overdraft limit, credit loan limit and funds
balance
corresponding to the payment amount include the following circumstances:
[56] 1. Only the balance of the funds in the client account is frozen so
that the total amount of
the frozen is greater than or equal to the payment amount.
[57] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or equal to
the payment amount.
[58] 3. Only to freeze the amount of credit overdraft limit, so that the
total amount of frozen are
greater than or equal to the amount of the payment.
[59] 4. Respectively, to freeze the balance of funds and credit overdraft
limit of the client's
account, making the total amount of frozen greater than or equal to the amount
of the
payment.
[60] 5. Respectively, to freeze part of the balance of funds and credit
loan limit of the client's
account, making the total amount of frozen greater than or equal to the amount
of the
payment.
[61] 6. Respectively, to freeze part of the credit loan limit and credit
overdraft limit of the
client's account, making the total amount of frozen greater than or equal to
the amount of
the payment.
[62] 7. Respectively, to freeze part of the credit loan limit and credit
overdraft limit of the
client's account, as well as the funds balance, making the total amount of
frozen greater
than or equal to the amount of the payment.
[63] S205, the second Funds-Management server generates the electronic
commitment payment
certificate based on the payment request information and the freezing
information and
transmits the electronic commitment payment certificate to the Merchant;
[64] Specifically, since the payment request information is sent by the
buyer to the second
Fund-Management server through the client's operation, the payment information
is
objectively confirmed by the customer and authorized by the bank. The second
Fund-Management server freezes the corresponding funds 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.
[65] S206, the second Funds-Management server sends the electronic payment
certificate to the
Merchant and synchronizes to the first Funds-Management server;
[66] S207, the second Funds-Management server receives the payment
information;
[67] S208, the second Fund-Management server allocates the funds
corresponding to the
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freezing amount to the first Fund-Management server;
[68] S209, the first Fund-Management server transfers the received payment
amount to the
account of the Merchant.
[69] The payment method provided by the example of the present invention
receives the
payment request information of the client through the second Funds-Management
server,
the sum of credit overdraft limit, credit loan limit and funds balance of the
client will be
based to determine whether to allow payment, and by freezing the credit
overdraft limit,
credit loan limit and funds balance in the client account, 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.
[70] Example 3
[71] As shown in Figure 4, 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:
[72] The receiving module 301 is configured to receive payment request
information delivered
by the client connected with the second Funds-Management server, wherein the
payment
request information includes a payment amount.
[73] Specifically, the payment request information received by the
receiving module 301
includes merchant information, product information and payment amount, and may
include
merchant 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.
[74] The judgement module 302 is configured to determine whether or not
allow paying based
on the credit overdraft limit, credit loan limit and funds balance and the
payment amount in
the client.
[75] As a preferred scheme, the judgement module 302 is specifically
configured to inquiry the
client's account credit overdraft limit, credit loan limit and funds balance
and determined
whether the credit overdraft limit, credit loan limit and funds balance of the
client account
are greater or equal to the payment amount, if possible, it is allowed to pay.
As a result,
determining the payment ability of the sum of credit overdraft limit, credit
loan limit and
funds balance in the account. And the client's bank account or the credit card
account may
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be notified by the client in the payment request information to the device, or
the device
may inquire from the database based on the client information and obtain the
funds
corresponding to the credit overdraft limit, credit loan limit and funds
balance. Only the
credit overdraft limit, credit loan limit and funds balance in the client are
greater or equal
to the payment amount, it shows that the client has the ability to pay, and
the payment
behaviour is allowed to conduct.
[76] The processing module 303 is configured to freeze the credit overdraft
limit, credit loan
limit and funds balance in the client account respectively when the payment is
allowed so
that the total amount of the freezing are greater or equal to the payment
amount; generating
the electronic commitment payment certificate and delivering to the client
connected to the
first Funds-Management server.
[77] Preferably, the processing module 303 further includes a freeze unit
3031, a certificate
generation unit 3032, and a synchronization unit 3033, wherein:
[78] The freezing unit 3031 is configured to freeze the credit overdraft
limit, credit loan limit
and funds balance in the client account when the payment is allowed so that
the total
amount of the freezing are greater than or equal to the payment amount;
[79] The credential generation unit 3032 is configured to generate an
electronic commitment
payment certificate;
[80] The synchronization unit 3033 is configured to transmit the electronic
commitment
payment certificate information to the merchant.
[81] In addition, the processing module 303 may include a debt unit,
configured to receive the
payment information, synchronize the payment information to the client and the
Merchant,
and allocate the corresponding funds to the first Funds-Management server
Merchant
account.
[82] It is important to note that the technical features of the above-
described method in example
2 is applicable in the present apparatus and is not need to repeated here.
[83] In addition, the present invention provides a Funds-Management server
including a
payment device in the Example 3, which is not repeated here.
[84] The payment device and server in the example of the present invention
receives the
payment request information of the client, the sum of credit overdraft limit,
credit loan
limit and funds balance of the buyer will be based to determine whether to
allow payment,
and by freezing the credit overdraft limit, credit loan limit and funds
balance in the client
account, and making the total frozen amount great or equal to the 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
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addition, by increasing the loan function, not only to facilitate the buyer,
but also greatly
enrich the bank or other institutions with credit ability to pay the business.
[85] Example 4
[86] As shown in Figure 4, a preferred example of the present invention
provides a payment
system based on a cross Funds-Management server, which includes client 10,
merchant 20,
and interconnected second Funds-Management server 40 with client 10, and a
first
Funds-Management server 30 that connects with the Merchant 20, wherein:
[87] The client 10 includes a payment request module 101 configured to send
payment request
information to the second Funds-Management server 40, and the payment request
information includes Merchant information, product information, and payment
amount.
[88] The merchant 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 40.
[89] The Funds-Management server 40 includes a receiving module 301, a
judgement module
302, and a processing module 303, wherein:
[90] The receiving module 301 is configured to receive payment request
information
transmitted by the merchant, wherein the payment request information includes
a payment
amount.
[91] The judgement module 302 is configured to compare the sum of the
client' credit overdraft
limit, credit loan limit and funds balance and the payment amount to determine
whether the
electronic commitment payment document can be issued;
[92] As a preferred example, the judgement module 302 is specifically
configured to determine
whether the credit overdraft limit, credit loan limit and funds balance of the
client account
are greater or equal to the payment amount, if so, it is allowed to pay,
otherwise terminate
the payment process.
[93] The processing module 303 is configured to freeze the balance of the
funds corresponding
to the payment amount in the client account when the payment is allowed, and
generate the
electronic commitment payment certificate to transmit the electronic
commitment payment
certificate information to the merchant and synchronize it to the client and
merchant.
[94] As a preferred example, the receiving module 301 of the second Funds-
Management server
30 is also provided to receive the payment information; the processing module
303 also
includes a transferring module, which is configured to receive the payment
information,
synchronize the payment information to the client and the merchant, and the
funds that
equal to the payment amount will be transferred to the account of the
Merchant.
[95] Specifically, since the payment request information is sent by the
buyer to the
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Funds-Management server 40 through the merchant 10, the payment information is
objectively obtained by the merchant 10 confirming and authorizing the bank to
pay. The
second Funds-Management server 40 respectively freezes the corresponding the
credit
overdraft limit, credit loan limit and funds balance, and generates an
electronic
commitment payment certificate based on the payment information. The
electronic
commitment payment certificate information includes but is not limited to
commodity
information, payment amount (frozen funds ,credit overdraft limit and credit
loan limit),
delivery address and validity period, the form is not limited to text,
pictures, graphics and
so on. The electronic certificate is the certificate of the receiving fund of
the Merchant 20,
and the Merchant 20 provides the corresponding merchandise/service based on
the
electronic commitment payment certificate.
[96] 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.
[97] 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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