Note: Descriptions are shown in the official language in which they were submitted.
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Title: MANAGEMENT ACROSS FUNDS 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 payment method, device and server.
[3] [Background Technology]
[4] E-commerce has become increasingly widely used in a variety of
commercial trade
activities, the so-called e-commerce is a business operation model that based
on the
browser and server applications helps consumer realize online shopping, online
transactions between merchants and online electronic payments, as well as a
variety of
business activities, trading activities, financial activities and related
integrated service
activities in the commercial trade, and in the Internet open network
environment.
[5] At present, many banks or enterprises have provided a network of
payment services,
allowing customers to operate computers, mobile phones and other terminal
equipment to
achieve network payment, the way of the network payment provides customers
with a great
convenience. But in the process of network payment, the payment is conducted
by directly
using the existing funds in the debit cards or credit card, or allocating the
credit limit of the
existing funds or credit card to the third party as a guarantee for the
transaction, once the
merchant does not provide goods or service, or disputes occur, the financial
security is
difficult to be guaranteed. 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:
[10] The said client for sending payment request information including at
least the payment
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amount to the said second Funds-Management server;
[11] The said Merchant for receiving the electronic commitment payment
certificate sent by the
second Funds-Management server;
[12] The method comprises: the second Funds-Management server is used for
receiving
payment request information sent by the second Funds-Management server;
comparing the
sum of the request information of the client and the funds balance with the
payment
amount to determine whether an electronic commitment payment certificate can
be created
; if possible, the second Funds-Management server will freeze the funds
balance and credit
overdraft limit within the said client and account, making the freezing funds
exceeds or
equals to the payment amount; generating the electronic commitment payment
certificate
of the second Funds-Management server to commit to pay funds according to the
agreed
condition, and sending the electronic commitment payment certificate to the
Merchant to
make a credit commitment payment on behalf of the client.
[13] 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 this invention, there is a network
payment method based on
the same Funds-Management servers, and the method is comprised by following
steps:
[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] Comparing the sum of the fund balance and the credit overdraft limit
to determine whether
an electronic commitment payment certificate can be generated to make a credit
commitment payment;
[17] If possible, the second Funds-Management server will freeze the funds
balance and credit
overdraft limit within the said client and account, making the freezing funds
exceeds or
equals to the payment amount; generating the electronic commitment payment
certificate
of the second Funds-Management server to commit to pay funds according to the
agreed
condition, and sending the electronic commitment payment certificate to the
Merchant to
make a credit commitment payment on behalf of the client
[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 transmitted by
the client, and the payment request information includes the payment amount;
[20] A judgement module configured to compare the sum of the client fund
balance and the
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credit overdraft amount and the payment amount to determine whether or not an
electronic
commitment payment document can be issued;
[21] A processing module configured to freeze the balance of funds and the
amount of credit
overdrafts in the client account when the payment is allowed so that the total
amount of the
freezing is greater than or equal to the payment amount; generating an
electronic
commitment payment voucher, Commitment to send voucher information to the
merchant.
[22] A server based on the same Funds-Management server, said server
comprising a payment
device according to any one of above claim.
[23] The present invention provides a payment system based on cross Funds
server and its
method, device and server, supervises the information of the buyers and
sellers through the
Funds-Management server, and the regulatory function is merged into the bank
or other
institutions with payment ability; meanwhile, it freezes the funds balance and
the credit
overdraft limit of the client and generates electronic commitment payment
certificates,
which can monitoring in real-time and reduce the risk of funds to protect the
interests of
buyers and sellers; this program makes full use of the credit centre 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 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
server provided by
the second example of the present invention;
[27] Figure 3 is a flow chart of the payment method based on a cross Funds
server provided by
the third example of the present invention;
[28] Figure 4 is a block diagram of a payment device based on a cross Funds-
Management
server provided by the fourth example of the present invention;
[29] Figure 5 is a block diagram of a payment system based on a cross Funds-
Management
server provided by the fifth example of the present invention.
[30] [Description of the Preferred Examples]
[31] The present invention will be described in further detail with
reference to the
accompanying drawings and the accompanying example, in which the technical
problems,
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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.
[32] Example 1
[33] 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 Funds-Management server -based 30 and a
second
Funds-Management server 40, wherein:
[34] 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.
[35] Specifically, the client 10 is suitable for the payer (buyer), such as
the intelligent devices
used by a client, including a mobile phone, a personal computer, and a PAD,
the account
information of the client 10 is to fill in when the customer registers and
store to the
database of the Funds-Management server, the account information of the client
10 includes
information such as a customer ID, an account opening bank, an account name, a
bank
account number, and a credit balance and so on, and it may also include the
customer's
shipping address information. The payment request information is 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 Funds-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 Funds-
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
Funds-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 pay the amount of funds, the second
Funds-Management server 40 will be able to call out the Merchant account to
implement
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the appropriate payment operation.
[36] The Merchant 20 is connected to the first Funds-Management server 30
for receiving the
electronic commitment payment certificate transmitted by the second Funds-
Management
server 40.
[37] Specifically, the Merchant 20 is adapted to the recipient (Merchant),
and the Merchant
includes but not limited to devices such as servers, and POS machines and so
on.
Merchants include but not limited to manufacturers, agents, logistics
companies, etc. The
Merchant information is also registered in the database of the Funds-
Management server,
and the Merchant information includes, but not limited to, Merchant ID,
Merchant name,
Merchant bank, Merchant account name, and bank Merchant account number. The
Merchant 20 receives the electronic commitment payment voucher transmitted
from the
second Funds-Management server 40, and extracts the merchandise information
and the
goods receipt information in the electronic commitment payment voucher
information to
designate the merchandise transmission destination.
[38] The second Funds-Management server 40 receiving payment request
information sent by
client 10; comparing the sum of a funds balance and a credit overdraft limit
of the client 10
with a payment amount to determine whether an electronic commitment payment
certificate can be created; if possible, the Funds-Management server
respectively freezing
the funds balance and the credit overdraft limit within a client and account,
the funds
balance and the credit overdraft limit corresponding to the payment amount;
generating the
electronic commitment payment certificate for the second Funds-Management
server 40 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 20.
[39] 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 balance of the bank funds and
the credit
overdraft amount of the client account is sufficient for the current
settlement, and if it is
insufficient, the payment is terminated and, if sufficient, the balance of the
payment
amount and the amount of credit overdraft, So that the total amount of the
freeze is greater
than or equal to the amount of the payment, until the merchant confirms the
delivery or the
customer confirms the receipt after the transfer operation.
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[40] It is understandable that the amount of funds to be frozen and the
corresponding amount of
credit overdrafts are included in the following cases:
[41] 1. Only the balance of the funds in the client account is frozen so
that the total amount of
the freeze is greater than or equal to the amount paid.
[42] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or equal to
the payment amount.
[43] 3. Respectively, part of the client account to freeze the balance of
funds and credit
overdraft limit, so that the total amount of frozen greater than or equal to
the amount of the
payment.
[44] Specifically, the second Funds-Management server 40 may further
determine whether or
not the payment operation is made in accordance with the state of the
electronic
commitment to pay the certificate information, that is, the payment of the
balance of the
funds and the amount of the credit overdraft, credit limit.
[45] 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 Funds-
Management server
40 and the first Funds-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 Funds-
Management
server 40 and the first Funds-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 Funds-Management server, but not limited
to banks,
but also the Internet to support the flow of funds in other institutions. To
supervise the the
information of the buyers and sellers by the Funds-Management server which can
regulate
the regulatory function into the bank or other institutions with credit
ability to pay.
[46] Example 2
[47] As shown in Figure 2, an example of the present invention provides a
payment method
based on a cross Funds-Management server for use in a Funds-Management server-
based,
which method comprises the following steps:
[48] S201, the client transmits the payment request information to the
second
Funds-Management server, and the payment request information includes the
payment
amount.
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[49] 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 the client information (for an example, customer 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 Funds-Management server to which Merchant and which
goods
to pay the amount of funds, the second Funds-Management server will be able to
call out
the Merchant account to implement the appropriate payment operation.
[50] S202, the second Funds-Management server receives the client to send
the payment request
information;
[51] S203, inquiring the sum of the funds balance of the client account and
the amount of the
credit overdraft, comparing the sum of the funds balance and the amount of the
credit
overdraft with the payment amount, if the sum is greater than or equal to the
amount, it is
sufficient; if the sum is less than the amount, it is insufficient. When the
funds balance and
credit overdraft limit is sufficient, executing the Step S204, otherwise
terminating, not to
pay;
[52] S204, the second Funds-Management server to freeze the client account
within the amount
of payment corresponding to the balance of funds and credit overdraft
capacity; understand
that the amount of the corresponding payment of the corresponding amount of
funds
balance and credit overdraft capacity, including the following circumstances:
[53] 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.
[54] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or equal to
the payment amount.
[55] 3. Respectively, some of the client's account to freeze the balance of
funds and credit
overdraft limit, making the total amount of frozen greater than or equal to
the amount of
the payment.
[56] S205, 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 Merchant;
[57] Specifically, since the payment request information is sent by the
buyer to the second
Funds-Management server through the client's 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
Merchant
provides the corresponding merchandise/service according to the electronic
commitment
payment certificate.
[58] S206, the second Funds-Management server sends the electronic payment
certificate to the
Merchant and synchronizes to the first Funds-Management server; and
specifically, this
Step sends the generated electronic certificate information to the client or
the Merchant for
the subsequent tracking.
[59] S207, the second Funds-Management server receives the payment
information;
[60] S208, the second Funds-Management server allocates the funds
corresponding to the
freezing amount to the first Funds-Management server;
[61] S209, the first Funds-Management server transfers the received payment
amount to the
account of the Merchant.
[62] 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,
determines whether the payment is permitted based on the sum of the funds
balance and
the payment amount of the client account, and by freezing the funds balance
and the credit
overdraft limit of the client account to generate electronic commitment
payment certificate
to supervise in real-time, which can reduce the risk of funds and protect the
interests of the
buyers and the sellers.
[63] Example 3
[64] As shown in Figure 3, a preferred example of the present invention
provides a payment
method for funds balance and credit overdraft limit which applied to the cross
Funds-Management server payment system shown in Figure 1, comprising the
following
steps:
[65] S301, the client sends the payment request information to the second
Funds-Management
server, and the payment request information includes at least the payment
amount.
[66] And the payment request information is composed of a plurality of data
packets, including
at least the Merchant information, the product information and the payment
amount. You
can also include client information (such as client ID). Among them, the
merchant
information can be directly merchants receiving account number, you can also
uniquely
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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.
[67] The way the client sends payment request information to the second
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
own private key. The information recipient obtains the hash digest by
decrypting the digital
signature attached to the original information using the public key of the
sender of the
information and confirms whether the original information is made by comparing
with the
hash digest generated by the original data received by the information
recipient tampered
with. This ensures that the data transmission is undeniable. Digital envelopes
use password
technology to ensure that only the recipient of the specified information can
read the
contents of the information. Digital envelopes used in a single-key password
system and
public key password system. The information sender first encrypts the
information with the
randomly generated symmetric password, and then encrypts the symmetric
password with
the public key of the receiver. The symmetric password encrypted by the public
key is
called the digital envelope. In the transmission of information, the
information receiver
shall decrypt the information, you must first use their own private key to
decrypt the digital
envelope, get a symmetric password, in order to use the symmetric password to
decrypt the
information obtained. This ensures the authenticity and integrity of the data
transmission.
[68] S302, the Funds-Management server receives the payment request
information sent by the
client.
[69] 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 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
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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 Funds-Management server to which Merchant and which
goods
to pay the amount of funds, the second Funds-Management server will be able to
call out
the Merchant account to implement the appropriate payment operation.
[70] S303, inquiring the sum of the funds balance of the client account and
the amount of the
credit overdraft, comparing the sum of the funds balance and the amount of the
credit
overdraft with the payment amount, if the sum is greater than or equal to the
amount, it is
sufficient; if the sum is less than the amount, it is insufficient. When the
balance of funds
and credit overdraft is sufficient, executing Step S305, or executing steps;
[71] S304, asking the client whether to issue credit loan limit; if it is
needed, executing Step
S305, or terminating the process;
[72] S305, judging whether the credit loan limit is sufficient; the
sufficient can be understood in
several cases:
[73] 1. If the sum of the original funds balance of the client account and
the amount of the credit
overdraft limit as well as the credit loan limit are greater than or equal to
the amount of the
payment amount, the credit loan limit is considered to be sufficient; and
conversely, it is
insufficient;
[74] 2. When the credit loan limit is greater than or equal to the amount
of the payment amount,
the credit loan limit is considered to be sufficient and, conversely,
insufficient.
[75] Specifically, the credit loan limit can be the amount specified by the
client, or it can default
to the amount of the current payment. For example, when the price of a product
selected by
the customer is 1,500 Yuan (payment amount), if the customer account funds
balance and
credit overdraft limit only 900 Yuan, you need credit loan limit of 600 Yuan
in order to
meet the allowable payment to pay the act. Of course, the using of another
way, such as the
direct application for credit loan limit of 1,500 Yuan, to pay, is also
feasible.
[76] S306, the second Funds-Management server to freeze the client account
within the balance
of funds and credit overdraft limit and credit loan limit, so that the total
amount of frozen
are greater than or equal to the amount of the payment, it can be specifically
divided into
the following forms:
[77] 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.
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[78] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or equal to
the payment amount.
[79] 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.
[80] 4. Respectively, some of the client's account to freeze the balance of
funds and credit
overdraft limit, making the total amount of frozen greater than or equal to
the amount of
the payment.
[81] 5. Respectively, some of the client's account to freeze the balance of
funds and credit loan
limit, making the total amount of frozen greater than or equal to the amount
of the
payment.
[82] 6. Respectively, some of the client's account to freeze the credit
loan limit and credit
overdraft limit, making the total amount of frozen greater than or equal to
the amount of
the payment.
[83] 7. Respectively, some of the client's account to freeze the credit
loan limit and credit
overdraft limit, as well as the funds balance, making the total amount of
frozen greater than
or equal to the amount of the payment.
[84] S307, the second Funds-Management server generates the electronic
commitment payment
certificate according to the payment request information and the freezing
information;
[85] Specifically, since the payment request information is sent by the
buyer to the second
Funds-Management server through the client's 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,
credit overdraft
limit or credit loan limit; meanwhile, it will generate an electronic
commitment payment
certificate based on the payment information, and the Merchant will provide
the
corresponding goods/services according to the electronic commitment payment
certificate.
[86] S308, the second Funds-Management server sends the electronic payment
certificate to the
Merchant and synchronizes to the first Funds-Management server;
[87] S309, the second Funds-Management server receives the payment
information; it should be
noted that In Step S408, the Merchant sends and receives the payment
information to the
Funds-Management server only as an example, and in practice, the client, a
logistics server,
or other entity that is aware of the delivery status to send payment
information to the
Funds-Management server.
[88] S310, the second Funds-Management server allocates the funds
corresponding to the
freezing amount to the first Funds-Management server; it is understood that
there will be a
corresponding matching fund allocation scheme according to the different
freezing
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methods in Step S306, and the funds allocated to the account of the Merchant.
[89] S311, the first Funds-Management server transfers the received payment
amount to the
account of the Merchant
[90] Finally, the process is ended.
[91] The example of the present invention, on the basis of the second
example, not only
facilitates the buyer, but also greatly enriches the business of the bank or
other institution
with the credit payment ability by increasing the credit loan limit function;
Keeping Buyers
and sellers' electronic commitment certificate to track synchronization, the
flow of goods
and the flow of funds trajectory can be effective combined to protect the
interests of both
buyers and sellers effectively.
[92] Example 4
[93] 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:
[94] A receiving module 301 configured to receive payment request
information transmitted by
the first terminal connected with the second Funds-Management server, wherein
the
payment request information includes a payment amount;
[95] Specifically, the payment request information received by the
receiving module 301
includes Merchant information, product information and payment amount, and may
include
the client information (for an example, customer ID). Among them, the merchant
information can be merchants receiving account, and the merchant information
can also be
uniquely identified (such as business ID). In the particular application, the
account
information of the merchant should be kept confidential from the client, so
the merchant
information should be the merchant ID, that is, the client simply informs
which
merchandise of which merchant is paid by how much, then the device call out of
the
merchant account number to implement the corresponding payment operation.
[96] The judgement module 302 is configured to determine whether to pay
based on the client'
account fund balance and the credit overdraft limit as well as the payment
amount.
[97] As a preferred scheme, the judgement module 302 is specifically
configured to inquiry the
client's account funds balance and the credit overdraft limit; and determined
whether the
funds balance and the credit overdraft limit of the client account are greater
than or equal to
the payment amount, if possible, it is allowed to pay. In this way, firstly to
determine the
payment ability of the sum of the funds balance and the credit overdraft
limit, and priority
to the use of account' funds balance and credit overdraft limit payment
method, which can
save the payment cycle to protect the interests of businesses. And the bank
account or the
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credit card account may be notified by the client to the device in the payment
request
information, or the device may inquire from the database based on the client
information
and obtain the funds corresponding to the account funds balance or credit
overdraft limit.
Only when the sum of the client's funds balance and credit overdraft limit are
greater than
or equal to the payment amount, it means that customers have the ability to
pay and in this
time it can be allowed to have payment behaviour.
[98] As another preferred example, the judgement module 302 is also
configured to ask the
client whether credit loan limit is to be issued when the sum of the fund
balance and the
credit overdraft limit of the client account is less than the payment amount;
if it needs
credit loan limit, then the client account to issue credit loan limit and
allow the payment; if
not, then terminate the payment. In addition, it not only to facilitate the
buyer, but also
greatly enrich the bank or other institutions with credit ability to pay the
business. When
using a Funds-Management server to obtain a bank account or credit card
account based on
customer information, a customer may have multiple accounts, and a mixed
payment
method may also be used. For example, when the price of a commodity selected
by the
customer is 1,500 Yuan (the payment amount), the sum of the funds balance and
the credit
overdraft limit is only 900 Yuan, then the amount of money that the customer
can use to
pay is a total of 900 Yuan, which will not be able to pay; If the client
account has credit
loan limit amount of 600 Yuan, so the application of credit loan limit is 600
Yuan, then they
have a 1,500 Yuan of using, can be implemented to be the payment behaviour.
[99] The processing module 303 is configured to freeze the funds balance
and the credit loan
limit and the credit loan limit in the client account respectively when the
payment is
allowed so that the total amount of the freezing are greater than or equal to
the payment
amount; generating the electronic commitment payment certificate, the
electronic
commitment payment certificate message is sent to the merchant.
[100] Preferably, the processing module 303 further includes a freeze unit
3031, a certificate
generation unit 3032, and a synchronization unit 3033, wherein:
[101] The freezing unit 3031 is configured to freeze the balance of the funds
and the credit
overdraft limit and the credit loan limit in the client account when the
payment is allowed
so that the total amount of the freezing are greater than or equal to the
payment amount;
[102] The credential generation unit 3032 is configured to generate an
electronic commitment
payment certificate;
[103] A synchronization unit 3033 is configured to transmit the electronic
commitment payment
certificate information to the Merchant.
[104] In addition, the processing module 303 may include a debt unit,
configured to receive the
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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.
[105] It is important to note that the technical features of the above-
described method examples 2
and 3 are applicable in the present apparatus and are not repeated here.
[106] In addition, the present invention provides a Funds-Management server
including a
payment device in the fourth example, which is not repeated here.
[107] The payment method and server provided by the example of the present
invention receives
the payment request information of the client, determines whether the payment
is permitted
based on the sum of the funds balance and the credit overdraft limit of the
client account,
and by freezing the funds balance and the credit overdraft limit of the client
account to
generate electronic commitment payment certificate to supervise in real-time,
which can
reduce the risk of funds and protect the interests of the buyers and the
sellers. In addition,
by increasing the loan function, not only to facilitate the buyer, but also
greatly enrich the
bank or other institutions with credit ability to pay the business.
[108] Example 5
[109] As shown in Figure 5, a preferred example of the present invention
provides a payment
system based on a cross Funds-Management server, which includes at least one
client 10,
at least one Merchant 20, and interconnected second Funds-Management server 40
and a
first Funds-Management server 30 that connects with the Merchant 20, wherein:
[110] 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.
[111] 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.
[112] The second Funds-Management server 40 includes a receiving module 301, a
judgement
module 302, and a processing module 303, wherein:
[113] The receiving module 301 is configured to receive payment request
information
transmitted by the client, and the payment request information includes the
payment
amount.
[114] The judgement module 302 is configured to compare the sum of the client'
funds balance
and the credit overdraft limit and the payment amount to determine whether the
electronic
commitment payment document can be issued;
[115] As a preferred example, the judgement module 302 is configured to
determine whether the
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funds balance and the credit overdraft limit of the client account is greater
than or equal to
the amount of the payment, and if so, the payment is allowed; Greater than or
equal to the
payment amount, if possible, then allow payment, or to further determine
whether the
client's account loan amount is greater than or equal to the payment amount,
if so, allow to
pay.
[116] 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.
[117] As a preferred example, the receiving module 301 of the Funds-Management
server 40 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.
[118] Specifically, since the payment request information is sent by the buyer
to the second
Funds-Management server 40 through the client 10, the payment information is
objectively
obtained by the client 10 confirming and authorizing the bank to pay. The
second
Funds-Management server 40 respectively freezes the corresponding balance of
funds and
the amount of credit overdraft limit, and generates an electronic commitment
payment
certificate based on the payment information. The electronic commitment
payment
certificate information includes but is not limited to commodity information,
payment
amount (frozen funds or credit overdraft limit or credit loan limit), delivery
address and
validity period, the form is not limited to text, pictures, graphics and so
on. The electronic
certificate is the certificate of the receiving fund of the Merchant 20, and
the Merchant 20
provides the corresponding merchandise/service based on the electronic
commitment
payment certificate.
[119] 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 medium of a
computer such as
ROM/RAM, disk and light disk.
[120] 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.
