Note: Descriptions are shown in the official language in which they were submitted.
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PAYMENT SYSTEM BASED ON SHARED FUNDS-MANAGEMENT SERVER, AND
METHOD, DEVICE AND SERVER THEREFOR
[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, 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]
[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
the same
funds server-based 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 the same Funds-Management server, comprising
at least one
client, at least one merchant, an information centre server and a Funds-
Management server,
connected with the client, the merchant and the information centre server
connection
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respectively, where:
[10] The above-mentioned client is to send payment request information
including at least a
payment amount to the Funds-Management server;
[11] The merchant is used for receiving an electronic commitment payment
certificate sent by
the Funds-Management server;
[12] The 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] According to another aspect of this invention, there is a network
payment method based on
the same fund servers, and the method is comprised by following steps:
[14] The Funds-Management server receives the payment request inforrnation
sent by the client,
wherein the payment request information includes at least the payment amount;
[15] By comparing the credit loan limit and overdraft limit in the client
account with the
payment amount to determine whether or not an electronic commitment payment
certificate is generated to commit payment;
[16] If yes, if yes, the Funds-Management server respectively freezes the
credit loan limit and
overdraft limit within a 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 information to merchant
connected
to the first Funds-Management server to make a credit commitment payment on
behalf of
the client.
[17] According to another aspect of the present invention, there is
provided a payment device
based on the same Funds-Management server, the device comprises a receiving
module, a
judging module and a processing module.
[18] A receiving module is configured to receive payment request
information transmitted by
the first terrninal connected with the Funds-Management server, wherein the
payment
request information includes a payment amount;
[19] The judgement module is configured to determine whether or not to
allow payment based
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on the credit loan limit and overdraft limit within a client account, and the
payment
amount;
[20] The processing module is configured to freeze 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, and sending the electronic commitment payment
certificate message to the merchant connected to Funds-Management server.
[21] 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 to
monitor in real-time, and reduces the risk of funds to protect the interests
of buyers and
sellers; this program makes full use of the function of the credit centre and
risk control
centre of the Funds-Management server to facilitate the security of on-line
transactions and
guarantee transaction funds safety with a more optimized credit mechanism,
providing a
credit media for both parties of 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.
[22] [Brief Description]
[23] Figure 1 is a schematic diagram of the payment system based on the
same
Funds-Management server provided by Example 1 of the present invention;
[24] Figure 2 is a flow chart of the payment method based on the same Funds-
Management
server provided by Example 2 of the present invention;
[25] Figure 3 is a flow chart of the payment method based on the same Funds-
Management
server provided by Example 3 of the present invention;
[26] Figure 4 is a flow chart of the payment method based on the same Funds-
Management
server provided by Example 4 of the present invention;
[27] Figure 5 is a block diagram of a payment device based on the same
Funds-Management
server provided by Example 5 of the present invention;
[28] Figure 6 is a block diagram of a payment system based on the same
Funds-Management
server provided in the Example 6 of the present invention.
[29] [Description of the Preferred Examples]
[30] The present invention will be described in further detail with
reference to the
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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
payment system
based on the same Funds-Management server, which includes at least one client
10, at least
one merchant 20, and a Funds-Management server 30; the Funds-Management server
30 is
connected to the client 10, and the merchant 20 respectively,
[33] The client 10, connected with the fund management server 30, is
configured to transmit the
payment request information to the Funds-Management server 30, wherein 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 Funds-Management server, the account information of the
client10 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 information
such as the
written and confirmed price (payment amount), the receipt address and the like
after the
customer purchases the specific goods/services. According to the 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 Funds-Management server
30. The
payment request information includes at least the payment amount, and may
include the
merchant information and the merchandise information. Among them, the merchant
information can be directly merchants' receiving account number, you can also
uniquely
identify the merchant information (such as merchant ID), and find the
corresponding bank
account information by Funds-Management server 30 based on the unique
identification of
the merchant from the database. In the specific application, the account
information of the
merchant 20 should be kept confidential with respect to the client 10, so the
merchant
information is preferably the merchant ID, and the Funds-Management server 30
inquires
the merchant's receiving account by using the correspondence relationship
between the
merchant ID and its receiving account. In other words, the merchant 10 only
needs to
inform the Funds-Management server 30 which merchant's which goods need to be
paid
how much money, then the Funds-Management server 30 will be able to call out
the
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merchant account to implement the appropriate payment operation.
[35] The merchant 20 is connected to the Funds-Management server 30 for
receiving the
electronic commitment payment certificate sent by the Funds-Management server
30.
[36] Specifically, the merchant 20 is applied to the receiving party
(seller), and the merchant
includes but not limited to devices such as servers, POS machines and other
devices.
Merchants include but not limited to manufacturers, agents, 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 30, 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 Funds-Management server 30 is used for receiving payment request
information sent
by a client 10; comparing the credit loan limit and overdraft limit in the
client 10 with
payment amount to determine whether an electronic commitment payment
certificate can
be created; if yes, freeze the credit loan limit and overdraft limit within a
client account
corresponding to the payment amount; generating the electronic commitment
payment
certificate for the Funds-Management server to commit to payment according to
an agreed
condition, and sending the electronic commitment payment certificate to
merchant 20.
[38] Specifically, the Funds-Management server 30 receives the packet of
the payment request
information and parses it according to the pre-set rule to obtain the relevant
payment
information including, but not limited to, the merchant information, the
merchandise
information, and the payment amount, and the like information, which merchant
to which
the goods to pay the amount of money. The Funds-Management server 30 inquires
whether
the sum of the credit loan limit and overdraft limit within client account is
sufficient for the
current settlement, and if it is insufficient, the payment is terminated, and
if sufficient,
respectively freezes the credit loan limit and overdraft limit within a 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, the transfer operation is
carried out to
close deal.
[39] It is understandable that respectively freezing the credit loan limit
and overdraft limit
corresponding to payment amount includes the following cases:
[40] 1. Only to freeze the quota of credit overdraft limit, so that the
total frozen amount are
greater than or equal to the amount of the payment.
N.
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[41] 2. Only the credit loan limit is frozen so that the total frozen
amount is greater than or
equal to the payment amount.
[42] 3. Respectively freeze some of the credit loan limit and credit
overdraft limit, making the
total frozen amount greater than or equal to the amount of the payment.
[43] Specifically, the Funds-Management server 30 may further determine
whether or not the
transfer 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, after receipt is confirmed, transferring and
deducting credit loan
limit are conducted.
[44] In the present example, the same Funds-Management server 30 may be
connected to the
plurality of client 10 and the plurality of merchant 20 through the Internet
at the same time.
That is, the server where the merchant 20 account is located and the server
where the
merchant 10 resides are the same Funds-Management server 30. The Funds-
Management
server 30 can be a single or multiple servers in a physical sense, e.g., they
can work in
parallel, and the resources of the server are automatically allocated to
realize the fund
management according to the different traffic. The Funds-Management server
includes but
not limited to servers in organizations such as banks, businesses, and so on.
In 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.
Supervise the information of the buyers and sellers by the Funds-Management
server, and
merge the regulatory function into the bank or other institutions with credit
ability to pay.
[45] Example 2
[46] As shown in Figure 2, an example of the present invention provides a
payment method
based on the same Funds-Management server for use in the Funds-Management
server,
which method comprises the steps of:
[47] S201, the Funds-Management server receives the payment request
information sent by the
client, wherein the payment request information includes at least the payment
amount;
[48] Specifically, the payment request information received by the Funds-
Management server
includes merchant information, product information and payment amount, and may
include
merchant information (e.g., client ID). Among them, the merchant information
can be
directly merchants receiving account number, you can also uniquely identify
the merchant
information (such as business ID), and find the corresponding bank account
information by
Funds-Management server based on the unique identification of the merchant
from the
database. In the specific application, the account information of the merchant
should be
kept confidential with respect to the merchant, so the merchant information is
preferably
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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.
[49] S202, compares the sum of the credit loan limit and funds balance with
the payment
amount to determine whether or not an electronic commitment payment
certificate can be
issued to commit to payment, if allowed, then enter the payment process, or
terminate the
payment. It will be understood that in this embodiment, the credit overdraft
quota is
typically stored in a credit card, and typically matches the credit.
[50] This step further includes: the Funds-Management server from the
database queries the
credit loan limit and overdraft limit in the client account; determine whether
the sum of the
credit loan limit and overdraft limit is greater than or equal to the amount
of payment, if so,
then allow the payment; otherwise terminate the payment. Wherein the bank and
credit
card accounts of the client can be informed to the Funds-Management server by
the client
in the payment request, or can be queried from the database according to the
client ID by
the Funds-Management server. Only when the sum of the credit loan limit and
overdraft
limit within a client account is more than or equal to the payment amount, the
client has the
ability to pay, and at this time the payment behaviour is allowed to conduct.
So, you can
shorten the payment cycle, protect the interests of merchant.
[51] S203, the Funds-Management server respectively freezes the credit loan
limit and overdraft
limit in the client account corresponding to the payment amount, making the
frozen amount
is greater than or equal to the payment amount.
[52] This step only freezes the corresponding quota of the credit loan
limit and overdraft limit to
ensure that there is sufficient funds to complete the transaction, but not
directly transfer to
the merchant account, so to ensure the interests of the buyers and the
sellers, and is
followed by the client, the merchant or logistics company sending the payment
information
to confirm the delivery is completed. After Funds-Management server receiving
the
payment information, it deducts the credit loan limit and overdraft limit, and
the unblocked
funds will be allocated to the merchant account.
[53] S204, the Funds-Management server generates an electronic commitment
payment the
certificate;
[54] Specifically, since the payment request information is sent by the
buyer to the
Funds-Management server through the merchant operation, the payment
information is
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objectively confirmed by the customer and authorized by the bank. The
Funds-Management server respectively freezes the corresponding quota of 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 of the receiving end of the merchant, and the merchant
provides the
corresponding goods / service according to the electronic commitment payment
certificate.
[55] S205, the electronic commitment payment certificate is issued to the
merchant to undertake
credit commitment for the client, and is synchronized to the client and
merchant.
[56] Specifically, this step sends the generated electronic certificate
information to the client or
the merchant for the subsequent tracking.
[57] The payment method of credit overdraft limit and credit loan limit
illustrated by the
example of the present invention, through receiving the payment request
information of the
client via the Funds-Management server, determining whether the payment is
permitted
based on the sum of the credit loan limit and overdraft limit, and freezing
the credit loan
limit and overdraft limit in the client account, generating electronic
commitment payment
certificate for real-time supervision, reduces the risk of funds and protects
the interests of
the buyers and the sellers.
[58] Example 3
[59] As shown in Figure 3, an example of the present invention provides a
payment method of
the credit overdraft limit and loan limit, which applied in the payment system
of the same
Funds-Management server in Figure 1, and it comprises the following steps:
[60] S301, the client sends the payment request information to the Funds-
Management server,
the payment request information includes the payment amount, and the
Funds-Management server receives the payment request information sent by the
client.
[61] 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
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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.
[62] The way the client sends payment request information to the Funds-
Management server
can be done in the existing way, such as using a digital signature or a
digital envelope. A
digital signature is a data that the user encrypts a hash of the original data
with its 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.
[63] S302, inquires the sum of the credit overdraft limit and credit loan
limit, comparing the
sum of the credit overdraft limit and credit loan limit with the payment
amount, if the sum
is greater than or equal to the amount, it is sufficient; and if the sum is
less than the
amount, it is insufficient. When the credit overdraft limit and credit loan
limit is sufficient,
execute the Step S204, otherwise terminate, not to pay;
[64] S303, the Funds-Management server freeze the credit overdraft limit
and credit loan limit
in the client account corresponding to the payment amount; it is
understandable that
freezing the credit overdraft limit and credit loan limit corresponding to the
payment
amount includes the following circumstances:
[65] 1. Only freeze the quota of credit overdraft, so that the total frozen
amount is greater than
or equal to the amount of the payment.
[66] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or equal to
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the payment amount.
[67] 3. Respectively freeze part of the credit loan limit and credit
overdraft limit in the client
account, making the total frozen amount is greater than or equal to the amount
of the
payment.
[68] S304, the Funds-Management server generates an electronic commitment
payment the
certificate;
[69] S305, sending the electronic commitment payment certificate
information to the merchant
[70] S306, the merchant sends the receiving and receiving information to
the
Funds-Management server;
[71] It is to be noted that in Step S210, the merchant sends and receives
the payment
information to the Funds-Management server as an example. In practice, it is
also possible
for the client, the logistics server, or other entity that can know the
delivery status to send
the payment information to the Funds-Management server.
[72] S307, the money management server synchronizes the unlocked payment
information to
the merchant and the client.
[73] Specifically, the Funds-Management server synchronizes the updated
electronic
commitment payment certificate information to the client and merchant, from
the updated
electronic commitment payment certificate information it can immediately
inform the
circulation state of the merchandise, when the goods / service delivery is
completed, the
frozen funds is transferred to the merchant account.
[74] S308, the funds corresponding to the freezing amount are allocated to
the account number
of the merchant. It can be understood that, according to the different method
of freezing in
S303, there will be a matching allocation plan, which will allocate the
corresponding funds
to the account of the merchant.
[75] S309, end the process.
[76] The payment method provided by the example of the present invention
receives the
payment request information of the client terminal through the Funds-
Management server,
determines whether or not the payment is permitted based on the credit
overdraft limit and
the credit loan limit, and by freezing the corresponding quota of the credit
loan limit and
overdraft limit in client account, making the total amount of frozen are
greater than or
equal to the amount of the payment, and generating electronic commitment
payment
certificate for real time monitoring, it can reduce the risk of funds and
protect the interests
of the buyers and the sellers.
[77] Example 4
[78] As shown in Figure 4, an example of the present invention provides a
payment method
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applied in the payment system of the same Funds-Management server in Figure 1,
this
method comprises the following steps:
[79] S401, the Funds-Management server receives the payment request
information sent by the
client.
[80] 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.
[81] The way the client sends payment request information to the Funds-
Management server
can be done in the existing way, such as using a digital signature or a
digital envelope. A
digital signature is a data that the user encrypts a hash of the original data
with his own
private key. The information recipient obtains the hash digest by decrypting
the digital
signature attached to the original information using the public key of the
sender of the
information and confirms whether the original information is made by comparing
with the
hash digest generated by the original data received by the information
recipient Tampered
with. This ensures that the data transmission is undeniable. Digital envelopes
use password
technology to ensure that only the recipient of the specified information can
read the
contents of the information. Digital envelopes used in a single-key password
system and
public key password system. The information sender first encrypts the
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.
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[82] S402, inquiries the sum of the credit loan limit and overdraft limit
in client account,
comparing the sum 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
overdraft limit and the credit loan limit are sufficient, step S403 is
executed, otherwise,
step S404 is executed;
[83] S403, the Funds-Management server freezes the corresponding quota of
the credit loan
limit and overdraft limit in client account, making the total frozen amount is
greater than or
equal to the amount of the payment, it can be specifically divided into the
following forms:
[84] 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.
[85] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or equal to
the payment amount.
[86] 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.
[87] 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.
[88] 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.
[89] 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.
[90] 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.
[91] S404, asking the client whether or not a fund balance is required; if
the fund balance is to
be used, step S405 is executed, otherwise proceed to step S411;
[92] S405, judging whether the credit loan limit is sufficient; the
sufficiency here can be
understood in several cases:
[93] 1. If the sum of the original the sum of the credit loan limit and
overdraft limit and part of
funds balance is greater than or equal to the amount of the payment amount,
the amount of
funds balance is considered to be sufficient; and conversely, it is
insufficient;
[94] 2. When funds balance is greater than or equal to the amount of the
payment amount, the
amount of funds balance is considered to be sufficient and, conversely,
insufficient.
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[95] Specifically, the funds balance can also be defaulted to the wanting
amount in this
payment. For example, when the price of a product selected by the customer is
1,500 Yuan
(payment amount), if in the customer account the credit loan limit and
overdraft limit is
only 900 Yuan, customer needs to transfer funds balance of 600 Yuan in order
to meet the
allowable payment criterion to carry out payment. Of course, the using of
another way,
such as the directly using credit loan limit of 1,500 Yuan to finish payment,
is also feasible.
[96] S406, the Funds-Management server freezes the credit loan limit and
overdraft limit and
funds balance in the client account, after making the total frozen amount is
greater than or
equal to the amount of the payment, it generates the electronic commitment
payment
certificate:
[97] S407, sending the electronic commitment payment certificate
information to the merchant
[98] S408, the merchant sends the receiving and receiving information to
the
Funds-Management server;
[99] It is to be noted that in Step S408, the merchant sends and receives
the payment
information to the Funds-Management server as an example. In practice, it is
also possible
for the client, the logistics server, or other entity that can know the
delivery status to send
the payment information to the Funds-Management server.
[100] S409, the Funds-Management server synchronizes the payment information
to the
merchant and the client.
[101] Specifically, the Funds-Management server synchronizes the updated
electronic
commitment payment certificate information to the client and merchant, from
the updated
electronic commitment payment certificate information it can immediately
inform the
circulation state of the merchandise, when the goods / service delivery is
completed, the
frozen funds is transferred to the merchant account.
[102] S410, allocates the funds corresponding to the frozen amount to the
account number of the
merchant. It can be understood that, according to the different ways of
freezing in S403,
there will be a matching allocation plan, which will allocate the
corresponding funds to the
account of the merchant.
[103] S411, end the process.
[104] The example of the present invention, on the basis of the example 3, 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 function of querying the funds balance; in
addition, by
tracking synchronously buyers and sellers' electronic commitment certificates,
and
effectively combing the flow of goods and the flow of funds trajectory, it can
protects the
interests of both buyers and sellers effectively.
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[105] Example 5
[106] As shown in Figure 5, 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:
[107] The receiving module 301 is configured to receive payment request
information
transmitted by the client, and the payment request information includes the
payment
amount.
[108] 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.
[109] The judgement module 302 is configured to determine whether or not a
payment is
permitted based on the client credit loan and overdraft limit and the payment
amount;
[110] As a preferred scheme, the judgement module 502 is specifically
configured to inquiry
credit loan limit and overdraft limit in the client account; and determine
whether credit loan
limit and overdraft limit is 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 credit
loan limit and
overdraft limit and preferentially use the account' credit loan limit and
overdraft limit,
which can shorten 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 credit loan limit and
overdraft
limit. Only credit loan limit and overdraft limit in the client account are
more than or equal
to the payment amount, the client has the ability to pay, and then the payment
behaviour is
allowed to conduct.
[111] 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 credit loan
limit and
overdraft limit in the client account is less than the payment amount; if it
needs credit loan
limit, then the client account issues 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
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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 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 uses funds
balance of 600
Yuan, then he has usage quota of 1,500 Yuan, and payment is implemented.
[112] The processing module 303 is configured to freeze the credit loan limit
and overdraft limit
in the client account respectively making the total frozen amount greater than
or equal to
the payment amount; generating the electronic commitment payment certificate,
send the
electronic commitment payment certificate message to the merchant.
[113] Preferably, the processing module 303 further includes a freeze unit
3031, a certificate
generation unit 3032, and a synchronization unit 3033, wherein:
[114] The freezing unit 3031 is configured to freezes the credit loan limit
and overdraft limit in
the client account when the payment is allowed making the total frozen amount
greater
than or equal to the payment amount;
[115] The credential generation unit 3032 is configured to generate an
electronic commitment
payment certificate;
[116] A synchronization unit 3033 is configured to transmit the electronic
commitment payment
certificate information to the Merchant.
[117] In addition, the processing module 303 may include a transfer unit
configured to receive
the payment information, synchronize the payment information to the
information centre
server, and allocate the frozen funds to the account of the merchant.
[118] It is to be noted that the technical features of the above-described
method examples 2, 3
and 4 are applicable in the present apparatus and are not repeated here.
[119] In addition, the present invention also provides a Funds-Management
server including the
payment device in the fourth embodiment, which is not repeated here.
[120] The payment method provided by the example of the present invention
receives the
payment request information of the client through the Funds-Management server,
the client
account funds amount, the client account credit overdraft limit and the client
account credit
loan limit will be based to determine whether to allow payment, and by
freezing funds and
credit loan limit in the client account making the total frozen amount greater
than or equal
to the payment amount, and generating electronic commitment payment
certificate for
conducting real-time monitoring, it can reduce the risk of funds to protect
the interests of
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the buyers and the sellers. In addition, by increasing the function of
transferring funds
balance, it can not only facilitate the buyer, but also greatly enrich the
business of bank or
other institutions with credit payment ability.
[121] Example 6
[122] As shown in Figure 6, a preferred example of the present invention
provides a payment
system based on the same funds server, which includes a client 10, a merchant
20, and a
Funds-Management server 30, wherein:
[123] The client 10 includes a payment request module 101 configured to send
payment request
information to the Funds-Management server 30, wherein the payment request
information
includes merchant and merchandise information, and payment amount.
[124] The merchant 20 includes a credential receiving module 201 and a
credential updating
module 202, wherein the certificate receiving module 201 is configured to
receive the
electronic commitment payment certificate sent by the fund managing server 30.
[125] The Funds-Management server 30 includes a receiving module 301, a
judgement module
302, and a processing module 303, wherein:
[126] The receiving module 301 is configured to receive payment request
information
transmitted by the client connected to Funds-Management server 30;
[127] 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;
[128] As a preferred example, the judgement module 302 is configured to
determine whether the
credit loan limit and overdraft limit in the client account is greater than or
equal to the
amount of the payment, and if so, the payment is allowed; or else further
determine
whether the loan balance is greater than or equal to the payment amount, if
so, allow to
pay.
[129] 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 connected to the first Funds-
Management
server 30.
[130] 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.
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[131] Specifically, since the payment request information is sent by the buyer
to the
Funds-Management server 30 through the client 10, the payment information is
objectively
obtained by the client 10 confirming and authorizing the bank to pay. The
Funds-Management server 30 respectively freezes the corresponding funds
balance and
credit overdraft limit, and generates an electronic commitment payment
certificate based
on the payment information. The electronic commitment payment certificate
information
includes but 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 of the receiving fund of the Merchant 20, and the Merchant 20
provides the
corresponding merchandise/service based on the electronic commitment payment
certificate.
[132] 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.
[133] 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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