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 THEREFOR
[I] [Technical Field]
[2] This invention involves e-commerce field, especially, 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, new payment systems, methods, devices and
servers at this
stage are needed to reduce the risk of user funds and to protect the interests
of buyers and
sellers.
[6] [Summary of the invention]
[71 In view of the above, the technical problem to be solved by the present
invention is to
provide a payment system, and its payment method, device and server based on 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 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 the first Funds-
Management
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server connected to the second terminal, the first Funds-Management server and
the second
Funds-Management server are both connected to the information centre server,
wherein:
[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 Funds-Management server;
[12] The second Funds-Management server is used for receiving payment
request information
sent by the client; comparing the sum of the credit loan limit and overdraft
limit with
payment amount to determine whether an electronic commitment payment
certificate can
be created; if yes, the Funds-Management server respectively freezes the
credit loan limit
and overdraft limit within client account, making the frozen amount are
greater or equal to
the payment amount; generating the electronic commitment payment certificate
for the
Funds-Management server to commit payment according to an agreed condition,
and
sending the electronic commitment payment certificate to 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] The information centre server for storing and supervising the
electronic commitment
payment certificate information.
[15] According to another aspect of the present invention, there is a
network payment method
based on a cross Funds-Management server, the method comprises the steps of:
[16] 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;
[17] Compare the sum of the credit loan limit and overdraft limit with the
payment amount to
determine whether or not an electronic commitment payment certificate is to
commit
payment;
[18] If yes, the Funds-Management server respectively freezes the credit
loan limit and
overdraft limit within client account, making the frozen amount are greater or
equal to the
payment amount; generating the electronic commitment payment certificate for
the
Funds-Management server to commit payment according to an agreed condition,
and
sending the electronic commitment payment certificate to merchant to make a
credit
commitment payment on behalf of the client and synchronizing the electronic
commitment
payment certificate information to the information centre server.
2
[19] 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.
[20] A receiving module 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;
[21] A judgement module is configured to compare the sum of the credit loan
limit and
overdraft limit with the payment amount to determine whether an electronic
commitment
payment certificate can be created;
[22] The processing module is configured to respectively freeze the credit
loan limit and
overdraft limit within client account, making the frozen amount are greater or
equal to the
payment amount; generate the electronic commitment payment certificate, and
send the
electronic commitment payment certificate to merchant connected to the first
Funds-Management server, and synchronize to the information centre server.
[23] A server based on the cross Funds-Management server, the said server
includes the
payment device described in any of the aforementioned embodiments.
[24] The present invention provides a payment system based on different
Funds-Management
server and its method, device and server, supervises the information of the
buyers and
sellers through the Funds-Management server and the information centre server,
and the
regulatory function is merged into the bank or other institutions with payment
ability;
meanwhile, freezes the client account credit overdraft limit and credit loan
limit, generates
electronic payment certificates and synchronize the information centre server
for real-time
monitoring, reduces the risk of funds to protect the interests of the buyers
and the sellers;
this program makes full use of the risk control centre function of the credit
centre of the
Funds-Management server and the information centre server, facilitates the
security of
on-line transactions and guarantees transaction funds with a more optimized
credit
mechanism, provides credit media for both parties to the transaction, and
reduces the risk
of funds through the supervision of funds to protect the interests of both
parties. In
addition, it brings convenience to the customer by adding loan functions,
which also
enriches businesses of banks or other institutions with credit payment
ability.
[25] [Brief Description]
[26] Figure 1 is a schematic diagram of the payment system based on the
cross
Funds-Management server provided by the Example of the present invention;
[27] 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;
[28] Figure 3 is a flow chart of the payment method based on a cross Funds
server provided by
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the third example of the present invention;
[29] 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;
[30] 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.
[31] [Description of the Preferred Examples]
[32] 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.
[33] Example 1
[34] 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 the first fund server 30 and the second
Funds-Management server 40, wherein:
[35] 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.
[36] Specifically, the client 10 is suitable for the payer (buyer),
including the account
information of mobile phone, personal computer, PAD, and other intelligent
devices, the
account information of the client 10 is filled in when the customer registers
and stored in
the database of the Funds-Management service and (or) the information centre
server, the
account information of the client 10 includes customer ID, an account opening
bank,
account name, a bank account number, and a credit balance, and may also
include the
customer's shipping address. The payment request information is 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
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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 will be able to call out the Merchant account to
implement the
appropriate payment operation.
[37] 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.
[38] 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 (or) the information centre server, and the merchant information includes,
but not
limited to merchant ID, merchant name, merchant opening bank, merchant account
name,
and merchant bank 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.
[39] The second Funds-Management server 40 is used for receiving payment
request
information sent by a client 10; comparing the sum of the credit loan limit
and overdraft
limit of the client 10 with a payment amount to determine whether an
electronic
commitment payment certificate can be created; if yes, respectively freeze the
credit loan
limit and overdraft limit within client account according to the payment
amount; generating
the electronic commitment payment certificate for the second Funds-Management
server
40 according to the agreed condition, and sending the electronic commitment
payment
certificate to merchant 20, and synchronizing to the information centre
server.
[40] 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
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to which Merchant which goods to pay the amount of money. The second
Funds-Management server 40 inquires whether the sum of the credit loan limit
and
overdraft limit in the client account is sufficient for the current
settlement, if it is
insufficient, the payment is terminated, and if sufficient, respectively
freeze the credit loan
limit and overdraft limit within client account, making the frozen amount are
greater or
equal to the payment amount, until the merchant confirms the delivery or the
customer
confirms the receipt, carry out transfer operation and complete the deal.
[41] It is understandable that respectively freezing the credit loan limit
and overdraft limit
corresponding to payment amount included the following cases:
[42] 1. Only freeze the amount of credit overdraft, so that the total
frozen amount is greater than
or equal to the amount of the payment.
[43] 2. Only the credit loan limit is frozen so that the total frozen
amount is greater than or
equal to the payment amount.
[44] 3. Respectively freeze part of the credit loan limit and credit
overdraft limit in client
account, making the total frozen amount greater than or equal to the amount of
the
payment.
[45] The information centre server 50 is connected to the second Funds-
Management server 40
and the first Funds-management server 30 for storing the electronic commitment
payment
certificate information of the client 10 and the merchant 20.
[46] Specifically, both the client 10 and the merchant 20 can obtain the
electronic commitment
payment certificate information to the information centre server 50 via the
Internet for
subsequent processing, such as the correctness of the dual channel
authentication
information using the data. 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 payment certificate information, that is, the payment
request is only
freezing the credit loan limit and overdraft limit, transferring and deducting
credit overdraft
limit are conducted after confirming receipt.
[47] 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
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automatically allocated to realize the Funds-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.
Through the
Funds-Management server and information centre server, the seller and seller
of
information are regulated, and the regulatory functions are merged into the
bank or other
institutions with credit ability to pay.
[48] Example 2
[49] 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,
which
method comprises the following steps:
[50] S201, the client transmits the payment request information to the
second
Funds-Management server, and the payment request information includes the
payment
amount.
[51] 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
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.
[52] S202, the second Funds-Management server receives the client to send
the payment request
information;
[53] S203, inquiries the sum of the credit loan limit and overdraft limit,
comparing the sum of
the credit loan limit and overdraft limit 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 credit loan limit and overdraft limit is sufficient, execute the Step
S204,
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otherwise terminate, not to pay;
[54] S204, the second Funds-Management server freezes the credit loan limit
and overdraft
limit corresponding to the payment amount; it is understand that freezing the
credit loan
limit and overdraft limit corresponding to the payment amount includes the
following
circumstances:
[55] 1. 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.
[56] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or equal to
the payment amount.
[57] 3. Respectively freeze part of the credit loan limit and credit
overdraft limit of the client
account, making the total frozen amount greater than or equal to the amount of
the
payment.
[58] 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;
[59] 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.
[60] S206, the second Funds-Management server sends the electronic payment
certificate to the
merchant, 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.
[61] S207, the second Funds-Management server receives the payment
information;
[62] S208, the second Funds-Management server allocates the funds
corresponding to the
freezing amount to the first Funds-Management server;
[63] S209, the first Funds-Management server transfers the received payment
amount to the
account of the Merchant.
[64] The payment method provided by the example of the present invention,
through receiving
the payment request information of the client via the second Funds-Management
server,
determining whether the payment is permitted based on the sum of the credit
loan limit and
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overdraft limit of the client, and freezing the credit loan limit and
overdraft limit of the
client account, generating electronic commitment payment certificate to
synchronize to the
information centre server for real-time supervision, reduces the risk of funds
and protects
the interests of the buyers and the sellers.
[65] Example 3
[66] As shown in Figure 3, an example of the present invention provides a
payment method of
the credit overdraft and loan limit, which is applied in the payment system of
the same
Funds-Management server in Figure 1, and comprises the following steps:
[67] 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.
[68] And the payment request information is composed of a plurality of data
packets, including
at least the Merchant information, the product information and the payment
amount. You
can also include client information (such as client ID). Among them, the
merchant
information can be directly merchants receiving account number, you can also
uniquely
identify the merchant information (such as business ID), and find the
corresponding bank
account information by Funds-Management server based on the unique
identification of the
merchant from the database. In the specific application, the account
information of the
merchant should be kept confidential with respect to the merchant, 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.
[69] 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
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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.
[70] S302, the Funds-Management server receives the payment request
information sent by the
client.
[71] 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
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.
[72] S303, inquiries the sum of the credit loan limit and overdraft limit,
comparing the sum of
the credit loan limit and overdraft limit 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 credit loan limit and overdraft limit is sufficient, execute Step
S305, or execute
step s304;
[73] S304, ask the client whether to use the funds balance; if it needs to
use the funds balance,
then implement step S305, otherwise end the process;
[74] S305, judges whether the funds balance is sufficient; the sufficiency
can be understood in
several cases:
[75] 1. If the sum of the credit loan limit and overdraft limit and part of
the funds balance in the
client account is greater than or equal to the amount of the payment, then the
funds are
considered sufficient, and conversely, insufficient;
[76] 2. When the funds balance is greater than or equal to the amount of
the payment, it is
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considered that the funds is sufficient, and conversely, it is not sufficient.
[77] Specifically, the funds amount for using can be the amount specified
by the client, or it is
default to the amount of the current payment lacked. For example, when the
price of a
product selected by the customer is 1,500 Yuan (payment amount), if in the
customer end
account funds the credit loan limit and overdraft limit is only 900 Yuan, then
funds balance
of 600 Yuan is needed in order to meet the allowable payment standard to
commit the
payment. Of course, the using of another way, such as directly using funds
balance of
1,500 Yuan to pay, is also feasible.
[78] S306, the second Funds-Management server freeze the credit loan limit
and overdraft limit
respectively, so that the total frozen amount are greater than or equal to the
amount of the
payment, and it can be specifically divided into the following forms:
[79] 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.
[80] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or equal to
the payment amount.
[81] 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.
[82] 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.
[83] 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.
[84] 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.
[85] 7. Respectively freeze part of the credit loan limit and credit
overdraft limit, as well as the
funds balance, making the total amount frozen greater than or equal to the
amount of the
payment.
[86] S307, the second Funds-Management server generates the electronic
commitment payment
certificate according to the payment request information and the freezing
information;
[87] 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, or
credit
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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.
[88] S308, 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.
[89] 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.
[90] 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
methods in Step S306, and the funds allocated to the account of the Merchant.
[91] S311, the first Funds-Management server transfers the received payment
amount to the
account of the Merchant
[92] Finally, the process is ended.
[93] 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 overdraft limit
function; in addition,
by adding to information centre server of tracking synchronously both buyers
and sellers'
electronic commitment certificate, the flow of goods and the flow of funds
trajectory can
be effectively combined, so it can protect the interests of both buyers and
sellers
effectively.
[94] Example 4
[95] 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:
[96] A receiving module 301 is 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;
[97] Specifically, the payment request information received by the
receiving module 301
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includes Merchant information, product information and payment amount, and may
include
the client information (for an example, client ID). Among them, the merchant
information
can be merchants receiving account, and the merchant information can also be
uniquely
identified (such as business ID). In the particular application, the account
information of
the merchant should be kept confidential from the client, so the merchant
information
should be the merchant ID, that is, the client simply informs which
merchandise of which
merchant is paid by how much, then the device call out of the merchant account
number to
implement the corresponding payment operation.
[98] The judgement module 302 is configured to determine whether or not a
payment is
permitted based on the credit loan limit and overdraft limit;
[99] As a preferred scheme, the judgement module 302 is specifically
configured to inquiry in
the client account funds the credit loan limit and overdraft limit; and
determine whether the
funds balance and the credit overdraft limit of the credit loan limit and
overdraft limit in
the client account are greater than or equal to the payment amount, if yes, it
is allowed to
pay. In this way, first, determine the payment ability of the sum of the
credit loan limit and
overdraft limit, and preferentially use the credit loan limit and overdraft
limit, which can
save the payment cycle to protect the interests of merchants. The bank account
or the credit
card account may be notified by the client to the device in the payment
request
information, or the device may inquire from the database based on the client
information
and obtain the funds corresponding to the credit loan limit and overdraft
limit. Only when
the credit loan limit and overdraft limit in the client are more than or equal
to the payment
amount, the client has the ability to pay, and until now the payment behaviour
is allowed to
conduct.
[100] As another preferred example, the judgement module 302 is also
configured to ask the
client whether funds balance is needed when the sum of the credit loan limit
and overdraft
limit is less than the payment amount; if it needs, then the application of
funds balance is
issued to allow the payment; if not, terminate the payment. In addition, it
not only to
facilitate the buyer, but also greatly enrich the bank or other institutions
with credit ability
to pay the business. When using a Funds-Management server to obtain a bank
account or
credit card account based on the Funds-Management server, a customer may have
multiple
accounts, and a mixed payment method may also be used. For example, when the
price of a
commodity selected by the customer is 1,500 Yuan (the payment amount), the sum
of the
credit loan limit and 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 funds balance of 600 Yuan, so by applying the use of funds balance
of 600
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Yuan, then they have 1,500 Yuan for using, payment behaviour can be
implemented.
[101] The processing module 303 is configured to freeze the credit loan limit
and overdraft limit
and funds balance in the client account respectively when the payment is
allowed, making
the total amount frozen are greater than or equal to the payment amount;
generating the
electronic commitment payment certificate, send the electronic commitment
payment
certificate message to the merchant connected to the first Funds-Management
server, and
synchronize to the information centre server.
[102] Preferably, the processing module 303 further includes a freeze unit
3031, a certificate
generation unit 3032, and a synchronization unit 3033, wherein:
[103] The freezing unit 3031 is configured to freeze the credit loan limit and
overdraft limit and
funds balance in the client account respectively when the payment is allowed,
making the
total amount frozen are greater than or equal to the payment amount;
[104] The credential generation unit 3032 is configured to generate an
electronic commitment
payment certificate;
[105] The synchronization unit 3033 is configured to transmit the electronic
commitment
payment certificate information to the merchant.
[106] In addition, the processing module 303 may include a transferring unit
which is configured
to receive the payment information, synchronize the payment information to the
information centre server, and allocate the corresponding frozen funds to the
account of the
merchant.
[107] 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.
[108] In addition, the present invention also provides a Funds-Management
server including the
payment device in the fourth embodiment, which is not repeated here.
[109] The payment method provided by the example of the present invention,
through receiving
the payment request information of the client via the second Funds-Management
server,
determining whether the payment is permitted based on the sum of the credit
loan limit and
overdraft limit of the client, and freezing the credit loan limit and
overdraft limit of the
client account, generating electronic commitment payment certificate to
synchronize to the
information centre server for real-time supervision, reduces the risk of funds
and protects
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.
[110] Example 5
[111] As shown in Figure 5, a preferred example of the present invention
provides a payment
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system based on cross Funds-Management sewer, which includes at least one
client 10, at
least one merchant 20, and one second Funds-Management server 40 connected to
client 10
and one first Funds-Management server 30 connected with the information centre
50,
wherein:
[112] The information centre server 50 is used to store and supervise the
electronic commitment
payment certificate information.
[113] 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.
[114] 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.
[115] The second Funds-Management server 40 includes a receiving module 301, a
judgement
module 302, and a processing module 303, wherein:
[116] The receiving module 301 is configured to receive payment request
information
transmitted by the client connected to Funds-Management server 40;
[117] The judgement module 302 is configured to compare the sum of the credit
loan limit and
overdraft limit within client account with the payment amount to determine
whether the
electronic commitment payment certificate can be issued;
[118] As a preferred example, the judgement module 302 is configured to
determine whether the
credit loan limit and overdraft limit within client account in the client
account is greater
than or equal to the amount of the payment, and if so, the payment is allowed;
or to further
determine whether the funds balance is greater than or equal to the payment
amount, if so,
allow to pay.
[119] The processing module 303 is configured to freeze the funds amount
corresponding to the
payment amount in the client account when the payment is allowed, and generate
the
electronic commitment payment certificate, and transmit the electronic
commitment
payment certificate information to the merchant 20 connected to the first
Funds-Management server 30 and synchronize to the information centre server
50.
[120] As a preferred example, the receiving module 301 of the second Funds-
Management server
40 is also responsible for receiving the payment information; the processing
module 303
also includes a transferring module, synchronizes the payment information to
the
information centre server 50, which is configured to transfer equal funds to
the account of
the merchant 20 after receiving the payment information.
[121] Specifically, since the payment request information is sent by the buyer
to the second
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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 the credit
loan limit
and 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, and the
form is not limited to text, pictures, graphics and so on. The electronic
certificate is the
certificate for Merchant 20 to receive funds, and the Merchant 20 provides the
corresponding merchandise/service based on the electronic commitment payment
certificate.
[122] 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.
[123] 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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