Note: Descriptions are shown in the official language in which they were submitted.
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CROSS-FUNDS MANAGEMENT SERVER-BASED PAYMENT SYSTEM, AND METHOD,
DEVICE AND SERVER THEREFOR
[1] [Technical Field]
[2] This invention involves e-commerce field, especially a kind of cross
Funds-Management
servers 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:
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[10] The said client for sending payment request information including at
least the payment
amount to the said second Funds-Management server;
[11] The said Merchant for receiving the electronic commitment payment
certificate sent by the
second 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] According to another aspect of the present invention, there is a
network payment method
based on cross Funds-Management server, the method comprises the 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] 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
issued to
commit to payment;
[17] If yes, the second 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 second
Funds-Management server to commit to payment according to an agreed condition,
and
sending the electronic commitment payment certificate information to 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] A receiving module is configured to receive payment request
information transmitted by
the client connected with the second Funds-Management server, wherein the
payment
request information includes a payment amount;
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[20] 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
conunitment
payment certificate can be created;
[21] 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 making the
total frozen
amount is 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 first Funds-Management
server.
[22] A server based on cross Funds-Management servers, the said server
comprises the payment
device described any one of above claim.
[23] The present invention provides a payment system based on cross Funds-
Management
server and its method, device and server, supervises the information of the
buyers and
sellers through the Funds-Management server, and the regulatory function is
merged into
the bank or other institutions with payment ability; meanwhile, it freezes
credit overdraft
limit and credit loan 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.
[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
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[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,
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 fund 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
client10 includes
information such as a client ID, an account opening bank, an account name, a
bank account
number, and a credit balance and so on, and it may also include the client's
shipping
address information. The payment request information is the information that
the customer
has written and confirmed shipping address information after the customer
purchases the
specific goods/services. According to the pre-set rules, price of the
goods/services, and
commercial Merchants of the goods/services, the client 10 generates data
package; the
packet will be transmitted to the second 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
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pay the amount of funds, the second Funds-Management server 40 will be able to
call out
the Merchant account to implement 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 is used for receiving payment
request
information sent by a client; comparing the credit loan limit and overdraft
limit in the client
account 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 second Funds-Management server to
commit to
payment according to an agreed condition, and sending the electronic
commitment
payment certificate to merchant 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 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.
[40] It is understandable that respectively freezing the credit loan limit
and overdraft limit
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corresponding to payment amount included the following cases:
[41] 1. Only freeze the amount of credit overdraft to make the total amount
of frozen greater
than or equal to the amount of the payment.
[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 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.
[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 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.
[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 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. 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,
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, 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.
[50] S202, the second Funds-Management server receives the client to send
the payment request
information;
[51] 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,
otherwise terminate, not to pay;
[52] S204, the second Funds-Management server freezes the credit loan limit
and overdraft
limit corresponding to the payment amount; it is understandable that freezing
the credit
loan limit and overdraft limit corresponding to the payment amount includes
the following
circumstances:
[53] 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.
[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 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.
[56] 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 conunitrnent payment certificate to the Merchant;
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[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; 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,
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 for real-
time
supervision, reduces the risk of funds and protects the interests of the
buyers and the
sellers.
[63] Example 3
[64] 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:
[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
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
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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
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
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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, 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
steps S304;
[71] When the credit loan limit and overdraft limit is sufficient, execute
Step S305, or else
execute step s304;
[72] S305, judges whether the funds balance is sufficient; the sufficiency
can be understood in
several cases:
[73] 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 is
considered sufficient, and conversely, insufficient;
[74] 2. When the funds balance is greater than or equal to the amount of
the payment, it is
considered that the funds is sufficient, and conversely, it is not sufficient.
[75] 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.
[76] 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:
[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.
[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
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greater than or equal to the amount of the payment.
[80] 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.
[81] 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.
[82] 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.
[83] 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.
[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, or
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
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
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[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 overdraft 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 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;
[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, 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.
[96] 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;
[97] As a preferred scheme, the judgement module 302 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
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to the payment amount, the client has the ability to pay, and then the payment
behaviour is
allowed to conduct.
[98] 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
Yuan, then they have 1,500 Yuan for using, payment behaviour can be
implemented.
[99] 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.
[100] Preferably, the processing module 303 further includes a freeze unit
3031, a credential
generation unit 3032, and a synchronization unit 3033, wherein:
[101] The freezing unit 3031 is configured to freeze the credit loan limit and
overdraft limit, as
well as funds balance in client account, making the frozen amount are greater
or equal to
the payment amount;
[102] The credential generation unit 3032 is configured to generate an
electronic commitment
payment document;
[103] A synchronization unit 3033 is configured to transmit the electronic
commitment payment
certificate information to the Merchant.
[104] In addition, the freezing unit 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;
[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
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payment device in the Example 4, which is not repeated here.
[107] 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
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 merchant, wherein the payment request information includes
a payment
amount.
[114] 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;
[115] 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.
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[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 merchant and the client, 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 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 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 example of the present invention have been described with
reference to the
above accompanying drawings, which are not to limit the scope of the present
invention. It
will be apparent to those skilled in this field that various modifications,
equivalents, and
improvements may be made without departing from the scope and spirit of this
invention.
