Note: Descriptions are shown in the official language in which they were submitted.
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 the same
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. This shows that at this
stage the need for
new payment systems, methods, devices and Funds-Management server 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
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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 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 a client; comparing credit loan limit and payment amount in the client
account to
determine whether an electronic commitment payment certificate can be created;
if yes,
the Funds-Management server freezing the credit loan limit corresponding to
the
payment amount within the client account, generating the electronic commitment
payment certificate of the Funds-Management server committing to pay funds
according
to an agreed condition, and sending the electronic commitment payment
certificate to a
merchant to make a credit commitment payment on behalf of the client, and
synchronising to an information centre server;
[13] The information centre server for storing and supervising the
electronic commitment
payment certificate information.
[14] If the client account credit loan limit is less than the payment
amount, then compare the
funds balance and payment amount in the client account to determine whether to
generate the electronic commitment payment certificate to make a credit
commitment
payment.
[15] If the client account credit loan limit is less than the payment
amount, then compare the
credit overdraft limit and payment amount in the client account to determine
whether to
generate the electronic commitment payment certificate to make a credit
commitment
payment.
[16] 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:
[17] The Funds-Management server receives the payment request information
sent by the
client, wherein the payment request information includes at least the payment
amount;
[18] By comparing the client credit loan amount and the payment amount to
determine
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whether or not an electronic commitment payment certificate is to be paid;
[19] If possible, the Funds-Management server freezing the credit loan
limit corresponding to
the payment amount in the client account; generating an electronic commitment
payment certificate promised by the Funds-Management server to disburse the
funds
according to the agreed condition. The electronic commitment payment
certificate
information is sent to the merchant for credit commitment payment for the
client, and
the electronic commitment payment certificate shall be synchronized to the
information
centre server.
[20] If the client account credit loan limit is less than the amount of
payment, the comparison
of the client account credit overdraft amount and payment amount shall be made
to
determine whether to generate electronic commitment payment amount to be paid;
further, if the client account credit overdraft amount is less than the amount
of payment,
it is required to compare the funds balance and the payment amount in the
client account
to determine whether or not the electronic commitment payment certificate can
be paid.
[21] If the client account credit loan limit is less than the amount of
payment, the comparison
of the funds balance and payment amount shall be made to determine whether to
generate electronic commitment payment amount to be paid; further, if the
funds
balance in the client account is less than the amount of payment, it is
required to
compare the credit loan limit and the payment amount in the client account to
determine
whether or not the electronic commitment payment certificate can be paid.
[22] 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.
[23] The receiving module is configured to receive payment request
information transmitted
by the client, and the payment request information includes the payment
amount;
[24] The judgement module is configured to determine whether or not to
allow payment
based on the credit loan limit and the payment amount in the client account;
[25] The processing module is configured to freeze the said payment amount
corresponded
credit loan limit within the client account when payment is set as allowable,
generate an
electronic commitment payment certificate, and transmit the electronic
commitment
payment certificate information to the merchant, and synchronized to the
information
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centre server.
[26] A server based on the same Funds-Management server, said server
comprising a
payment device according to any one of above claim.
[27] The present invention provides a payment system based on the same
funds 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 credit loan limit in the client account, 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.
[28] [Brief Description]
[29] Figure 1 is a schematic diagram of the payment system based on the
same funds server
provided by Example 1 of the present invention;
[30] 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;
[31] Figure 3 is a flow chart of the payment method based on the same fund
server provided
by Example 3 of the present invention;
[32] Figure 4 is a flow chart of the payment method based on the same fund
server provided
by Example 4 of the present invention;
[33] Figure 5 is a flow chart of the payment method based on the same fund
server provided
by Example 5 of the present invention;
[34] Figure 6 is a flow chart of the payment method based on the same fund
server provided
by Example 6 of the present invention;
[35] Figure 7 is a block diagram of a payment device based on the same
funds server
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provided by Example 7 of the present invention;
[36] Figure 8 is a block diagram of a payment system based on the same
Funds-Management
server provided in the Example 8 of the present invention.
[37] [Description of the Preferred Examples]
[38] 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.
[39] Example 1
[40] 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, an information centre server 40, and a Funds-Management
server
30, the Funds-Management server 30 is connected to the client 10, the merchant
20 and
the information centre server 40, respectively,
[41] 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.
[42] 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 Fund-Management service and (or) the information centre
server,
the account information of the client 10 includes client 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 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
CA 3055644 2019-09-17
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 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 client 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 merchant account to implement the
appropriate
payment operation.
[43] 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.
[44] 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 (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.
[45] The Funds-Management server 30 receives the payment request
information sent from
the client 10, determines whether or not the payment is allowed based on the
credit
overdraft limit, the fund balance, the credit loan limit and the payment
amount of the
client 10; if the payment is allowed, the credit limit or funds corresponding
to the client
account and payment amount shall be freeze, an electronic commitment payment
certificate which is promised to pay the funds by the Funds-Management server
in
accordance with the agreed condition will be generated, the electronic
commitment
payment certificate information shall be sent to the merchant 20, and
synchronize it to
the information centre server 40.
[46] Specifically, the Funds-Management server 30 receives the packet of
the payment
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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.
[47] The information centre server 40 is connected to the Funds-Management
server 30 for
storing the electronic commitment payment certificate information of the
client 10 and
the merchant 20.
[48] Specifically, both the client 10 and the merchant 20 can obtain the
electronic
commitment payment certificate information to the information centre server 40
via the
Internet for subsequent processing, such as the correctness of the dual
channel
authentication information using the data. The Funds-Management server 30 may
further determine whether or not the payment operation is made in accordance
with the
state of the electronic commitment to pay the credential information, that is,
the request
payment is only the freezing of the funds, and the payment operation is
confirmed after
the receipt is confirmed.
[49] 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 client 20 account is located and the
server where the
client 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 Funds-
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. 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.
[50] Example 2
[51] 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 a Funds-Management
server,
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which is comprised of the steps as follows:
[52] S101, the Funds-Management server receives the payment request
information sent by
the client, wherein the payment request information includes at least the
payment
amount;
[53] Specifically, the payment request information received by the Funds-
Management
server includes merchant information, product information and payment amount,
and
may 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
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.
[54] S102, compare the credit loan limit and payment amount to determine
whether to
generate electronic commitment payment certificate to be paid; if so, then
enter into the
step S103; otherwise terminate the payment.
[55] This step further includes: determine whether the credit loan limit is
greater than or
equal to the amount of payment, if so, then allow the payment; otherwise
terminate the
payment. Wherein the bank account 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 the
credit
loan limit in the client account is greater than or equal to the payment
amount, it means
that customers have the ability to pay, then the payment is allowed. Priority
to pay the
balance of the client account funds, you can save the payment cycle to protect
the
interests of the client.
[56] S103, the Funds-Management server freezes the credit loan limit
corresponding to the
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payment amount within the client account;
[57] Specifically, when the client credit loan limit is sufficient to
cover, freezing the credit
loan limit corresponding to the payment amount in the bank account. This step
only
freezes the credit loan limit to ensure that there is sufficient credit loan
funds to
complete the transaction, but not directly transfers it to the merchant
account, so that the
interests of the buyers and the sellers are protected, subsequently the
client, the
merchant or logistics company deliver the payment information to confirm the
delivery
is completed, after the Funds-Management server receives the payment of
information,
the funds amount that is equal to the payment amount will be allocated to the
merchant
account.
[58] S104, the Funds-Management server generates an electronic commitment
payment the
certificate;
[59] Specifically, since the payment request information is sent by the
buyer to the Funds-
Management server through the client operation, the payment information is
objectively
confirmed by the customer and authorized by the bank. The Funds-Management
server
freezes the corresponding funds or credit loan limit, 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] S105, the electronic commitment payment certificate issued to the
client for the client to
undertake credit commitments and synchronization to the information centre
server.
[61] Specifically, this Step sends the generated electronic certificate
information to the
information centre server so that the information centre server performs
subsequent
tracking.
[62] The payment method provided by the example of the present invention
receives the
payment request information of the client through the same Funds-Management
server,
determines whether or not the payment is permitted based on the buyer's
account credit
loan limit; meanwhile, by freezing the client account credit loan limit, and
generating
electronic commitment payment certificate and synchronizing it to the
information
centre server in order to make real-time monitoring, which can reduce the risk
of funds
and protect the interests of the buyers and the sellers.
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[63] S106, the Funds-Management server receives the payment information;
[64] The Funds-Management server receives and determines whether the
payment
information meets the agreed payment policy.
[65] S107, the Funds-Management server judges that the payment information
and
synchronizes the payment information to the information centre server.
[66] S108, if the payment of information in line with the agreed payment of
funds conditions,
the Funds-Management server will be allocated to the account business account.
[67] S113, end the process.
[68] Example 3
[69] As shown in Figure 3, an example of the present invention provides a
payment method
based on the same fund servers for use in a Funds-Management server, which is
comprised of the steps as follows:
[70] S201, the Funds-Management server 30 receives the payment request
information sent
by the client, and the payment request information includes the payment
amount.
[71] Specifically, the payment request information received by the Funds-
Management
server includes merchant information, product information and payment amount,
and
may 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
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.
[72] S203, it is checked whether or not the credit loan limit of the client
account is sufficient,
and if it is insufficient, Step S204 is executed, otherwise Step S207 is
executed;
=
[73] S204, query the client account of the amount of credit overdraft
sufficient, if not enough
CA 3055644 2019-09-17
to terminate the payment, otherwise the implementation of Step S207;
[74] Specifically, when the balance of the credit loan limit in the account
is sufficient to pay,
the amount of the credit loan limit corresponding to the payment amount in the
bank
account is frozen, and when the funds balance of the account is not enough to
be paid,
the funds balance of the payment amount is sufficient to pay, freezing the
funds balance
corresponding to the payment amount in the client account. This step only
freezes the
credit loan limit or funds balance to ensure that there is sufficient funds to
complete the
transaction, but not directly transfers it to the merchant account, so that
the interests of
the buyers and the sellers are protected, subsequently the client, the
merchant or
logistics company deliver the payment information to confirm the delivery is
completed;
after the Funds-Management server receives the payment of information, the
corresponded funds will be allocated to the merchant account.
[75] S207, the amount of money or credit overdraft amount corresponding to
the payment
amount in the client account;
[76] S208, generate electronic commitment payment certificate;
[77] S209, sending the electronic commitment payment certificate
information to the
merchant and the information centre server;
[78] S210, the merchant sends the receiving and receiving information to
the Funds-
Management server;
[79] 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.
[80] S211, the Funds-Management server synchronizes the payment information
to the
information centre server.
[81] Specifically, the Funds-Management server synchronizes the updated
electronic
commitment payment certificate information to the information centre server,
and when
the goods / service delivery is completed, the corresponding amount can be
transferred
to the merchant's account.
[82] S212, the corresponded funds shall be allocated to the account of the
merchant.
[83] S213, end the process.
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[84] The payment method illustrated by the example of the present invention
through the
Funds-Management server receiving the payment request information of the
client,
determining whether or not the payment is permitted based on the funds balance
and
credit loan limit in the client account, then at the same time freezing the
funds balance
or the credit loan limit in the client, and generating electronic commitment
payment
certificate and synchronizing it to the information centre server in order to
make real-
time monitoring to reduce the funds risk and ensure the interest of the buyer
and the
seller.
[85] Example 4
[86] As shown in Figure 4, an example of the present invention provides a
payment method
based on the same fund server for use in the Funds-Management server, which
method
comprises the steps of:
[87] S201, the Funds-Management server 30 receives the payment request
information sent
by the client, and the payment request information includes the payment
amount.
[88] Specifically, the payment request information received by the Funds-
Management
server includes merchant information, product information and payment amount,
and
may 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
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.
[89] S203, checking whether or not the credit loan balance of the client
account is sufficient,
and if it is insufficient, step S205 is executed, otherwise step S207 is
executed;
[90] S205, query the client account of the amount of credit overdraft
sufficient, if not enough
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to terminate the payment, otherwise the implementation of Step S207;
[91] Specifically, when the credit loan limit is sufficient to pay, the
credit loan limit
corresponding to the payment amount in the bank account will be frozen, if the
credit
loan limit is sufficient to pay while the credit overdraft limit is sufficient
to pay, the
credit overdraft limit corresponding to the payment amount in the bank account
will be
frozen. This step only freezes the credit limit to ensure that there is
sufficient limits to
complete the transaction, but not directly transfers to the merchant account,
so that the
interests of the buyers and the sellers can be ensured, the successor can be
the client, the
merchant or logistics company to send the payment information to confirm the
completion of delivery by the Funds-Management server to receive the payment
of
information, the de-blocked funds or funds that equal to payment funds will be
allocated
to the merchant account.
[92] S207, freezing the credit overdraft limit or credit loan limit
corresponding to the
payment amount in the client account;
[93] S208, generate electronic commitment payment certificate;
[94] S209, sending the electronic commitment payment certificate
information to the
merchant and the information centre server;
[95] S210, the merchant sends the receiving and receiving information to
the Funds-
Management server;
[96] 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.
[97] S211, the Funds-Management server synchronizes the payment information
to the
information centre server.
[98] Specifically, the Funds-Management server synchronizes the updated
electronic
commitment payment certificate information to the information centre server,
and when
the goods / service delivery is completed, the frozen funds or equal funds can
be
transferred to the merchant's account.
[99] S212, the frozen funds allocated to the account of the merchant.
[100] S213, end the process.
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[101] The payment method based on the frozen credit overdraft limit or credit
loan balance
provided by the example of the present invention receives the payment request
information of the client through the Funds-Management server, credit
overdraft limit
and credit loan limit of the buyer will be based to determine whether to allow
payment,
and by freezing the client account payment amount, and generating electronic
commitment payment certificate for conducting real-time monitoring, which can
reduce
the risk of funds to protect the interests of the buyers and the sellers.
[102] Example 5
[103] As shown in Figure 5, an example of the present invention provides a
payment method,
applied in the same Funds-Management servers, which is comprised of the steps
as
follows:
[104] S201, 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.
[105] Wherein the payment request information is composed of a plurality of
data packets,
including at least the merchant information, the merchandise 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
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.
[106] 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 the information of the
original data with
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CA 3055644 2019-09-17
own private key. The information recipient obtains the information 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 information 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.
[107] S203, checking whether or not the credit loan amount of the client
account is sufficient,
and if it is insufficient, step S204 is executed, otherwise step S207 is
executed;
[108] S204, it is checked whether or not the balance of the funds of the
client account is
sufficient, and if it is insufficient, Step S205 is executed, otherwise Step
S207 is
executed;
[109] S205, query the client account of the amount of credit overdraft
sufficient, if not enough
to terminate the payment, otherwise the implementation of Step S207;
[110] S207, freeze the funds or the credit overdraft balance or the credit
loan balance
corresponding to the payment amount within the client account;
[111] S208, generate electronic commitment payment certificate;
[112] S209, sending the electronic commitment payment certificate information
to the
merchant and the information centre server;
[113] S210, the merchant sends the receiving and receiving information to the
Funds-
Management server;
[114] 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
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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.
[115] S211, the Funds-Management server synchronizes the payment information
to the
information centre server.
[116] Specifically, the Funds-Management server synchronizes the updated
electronic
commitment payment certificate information to the information centre server,
and when
the goods / service delivery is completed, the funds can be transferred to the
merchant's
account.
[117] S212, the frozen funds allocated to the account of the merchant.
[118] S213, end the process.
[119] The example of the present invention, on the basis of the Example 3, not
only facilitates
the buyer by increasing the optional function of the credit limit, but also
greatly enriches
the loan business of the bank or other organizations; increase the information
centre
server to the buyers and sellers of the electronic commitment payment
certificate to
synchronize tracking, the flow of goods and the flow of funds trajectory of
the effective
combination of the interests of both buyers and sellers can be effectively
protected.
[120] Example 6
[121] As shown in Figure 6, an example of the present invention provides a
payment method,
applied in the same Funds-Management servers, which is comprised of the steps
as
follows:
[122] S201, 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.
[123] Wherein the payment request information is composed of a plurality of
data packets,
including at least the merchant information, the merchandise 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
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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.
[124] 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 the information of the
original data with
own private key. The information recipient obtains the information 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 information 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.
[125] S203, it is checked whether or not the credit loan limit of the client
account is sufficient,
and if it is insufficient, Step S204 is executed, otherwise Step S207 is
executed;
[126] S204, it is checked whether or not the credit overdraft amount of the
client account is
sufficient, and if it is insufficient, Step S204 is executed, otherwise Step
S207 is
executed;
[127] S205, query the client account of the amount of credit overdraft
sufficient, if not enough
to terminate the payment, otherwise the implementation of Step S207;
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[128] S207, freeze the funds or the credit overdraft balance or the credit
loan balance
corresponding to the payment amount within the client account;
[129] S208, generate electronic commitment payment certificate;
[130] S209, sending the electronic commitment payment certificate information
to the
merchant and the information centre server;
[131] S210, the merchant sends the receiving and receiving information to the
Funds-
Management server;
[132] 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.
[133] S211, the Funds-Management server synchronizes the payment information
to the
information centre server.
[134] Specifically, the Funds-Management server synchronizes the updated
electronic
commitment payment certificate information to the information centre server,
and when
the goods / service delivery is completed, the funds can be transferred to the
merchant's
account.
[135] S212, the frozen funds allocated to the account of the merchant.
[136] S213, end the process.
[137] The example of the present invention, on the basis of the Example 3, not
only facilitates
the buyer by increasing the optional function of the credit limit, but also
greatly enriches
the loan business of the bank or other third party organizations; increase the
information
centre server to the buyers and sellers of the electronic commitment payment
certificate
to synchronize tracking, the flow of goods and the flow of funds trajectory of
the
effective combination of the interests of both buyers and sellers can be
effectively
protected.
[138] Example 7
[139] As shown in Figure 7, 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:
[140] The receiving module 301 is configured to receive payment request
information
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transmitted by the client, and the payment request information includes the
payment
amount.
[141] 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.
[142] The judgement module 302 is configured to determine whether or not to
allow payment
based on the payment amount, and fund balance of the client account or the
credit
overdraft limit or the credit loan limit.
[143] As a preferred solution, the judgement module 302 is specifically
configured to
determine whether the credit loan balance of the client account is greater
than or equal
to the payment amount, and if so, payment is allowed; otherwise, it is further
determined that the funds balance of the client account is greater than or
equal to the
amount of payment, if yes, then payment is allowed; otherwise to further
determine
whether the credit overdraft credit in the client account is greater than the
amount of
payment, if yes, then payment is allowed, or else not allowed. In this way, in
order to
determine the payment ability of the account, the payment method of the credit
loan
balance of the account is adopted in priority, it can save the payment cycle
to protect the
interests of businesses. Wherein the bank account of the client may be
informed to this
device by the client in the payment request information, or the device may
inquire it
from the database based on the client information, and obtains the funds
balance or the
credit limit of the corresponding client account. Only the funds balance, the
credit
overdraft limit, and the credit loan limit in the client are more than or
equal the payment
amount, the client has the ability to pay, and this time the payment behaviour
is allowed
to conduct. When using a Funds-Management server to obtain a bank account or
credit
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card account based on the Funds-Management server, a customer may have
multiple
accounts, and a mixed payment method may also be used.
[144] The processing module 303 is configured to freeze the credit overdraft
limit
corresponding to the payment amount in the client account when payment is
allowed,
and generate an electronic commitment payment certificate to deliver the
electronic
commitment payment certificate information to the merchant, and synchronized
to the
information centre server.
[145] Preferably, the processing module 303 further includes a freeze unit
3031, a certificate
generation unit 3032, and a synchronization unit 3033, wherein:
[146] The freeze unit 3031 is configured to freeze the credit overdraft limit
corresponding to
the payment amount in the client account when payment is allowed;
[147] The certificate generation unit 3032 is configured to generate an
electronic commitment
payment certificate;
[148] The synchronization unit 3033 is configured to transmit the electronic
commitment
payment certificate information to the merchant.
[149] 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 corresponding funds to the account
of the
merchant.
[150] It is to be noted that the technical features of the above-described
method examples 2
and 3 are applicable in the present apparatus and are not repeated here.
[151] In addition, the present invention provides a Funds-Management server
including a
payment device in the fourth example, which is not repeated here.
[152] The payment method and Funds-Management servers provided by the example
of the
present invention receives the payment request information of the client, the
funds
balance, the credit loan limit and the credit overdraft limit will be based to
determine
whether to allow payment, and by freezing the client account payment amount,
and
generating electronic commitment payment certificate for conducting real-time
monitoring, which can reduce the risk of funds to protect the interests of the
buyers and
the sellers. In addition, by increasing the loan function, which can not only
to facilitate
the buyer, but also to greatly enrich the bank or other institutions with
credit ability to
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pay the business.
[153] Example 8
[154] As shown in Figure 8, a preferred example of the present invention
provides a payment
system based on the same Funds-Management server, which includes a client 10,
a
merchant 20, a Funds-Management server 30, and an information centre server
50,
wherein:
[155] The information centre server 50 is used to store and supervise the
electronic
commitment payment certificate information.
[156] 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.
[157] 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.
[158] The Funds-Management server 30 includes a receiving module 301, a
judgement
module 302, and a processing module 303, wherein:
[159] The receiving module 301 is configured to receive payment request
information
transmitted by the client;
[160] The judgement module 302 is configured to determine whether or not a
payment is
permitted based on the client credit overdraft limit and the payment amount;
[161] As a preferred example, the judgement module 302 is configured to
determine whether
the credit loan limit of 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 client
account funds balance is greater than or equal to the payment amount, if so,
allow to
pay.
[162] The processing module 303 is configured to freeze the credit loan limit
corresponding to
the payment amount in the client account when payment is allowed, and generate
an
electronic commitment payment certificate to deliver the electronic commitment
payment certificate information to the merchant, and synchronized to the
information
centre server.
[163] As a preferred example, the receiving module 301 of the Funds-Management
server 30
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is also responsible for receiving the payment information; the processing
module 303
also includes a transferring module, which is configured to transfer equal
funds to the
account of the merchant after receiving the payment information.
[164] 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 freezes the corresponding funds or credit limit and
generates an
electronic commitment payment certificate based on the payment information,
and the
merchant 20 provides the corresponding merchandise / service based on the
electronic
commitment payment certificate.
[165] 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.
[166] 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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