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. 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
the
same 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 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 the client; comparing the sum of the request information of the client
funds balance
and the credit overdraft limit with the payment amount to determine whether an
electronic commitment payment certificate can be created; if possible, the
Funds-
Management server will freeze the funds balance and credit overdraft limit
within the
said client and account, making the freezing funds exceeds or equals to the
payment
amount; generating the electronic commitment payment certificate of the Funds-
Management server to commit to pay funds according to the agreed condition,
and
sending the electronic commitment payment certificate to the merchant to make
a credit
commitment payment on behalf of the client and synchronize the electronic
commitment payment certificate information to the information centre server.
[13] The information centre server for storing and supervising the
electronic commitment
payment certificate information.
[14] 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:
[15] The Funds-Management server receives the payment request information
sent by the
client, wherein the payment request information includes at least the payment
amount;
[16] Comparing the sum of the fund balance and the credit overdraft limit
to determine
whether an electronic commitment payment certificate can be generated to make
a credit
commitment payment;
[17] if possible, the second Funds-Management server will freeze the funds
balance and
credit overdraft limit within the said client and account, making the freezing
funds
exceeds or equals to the payment amount; generating the electronic commitment
payment certificate of the second Funds-Management server to commit to pay
funds
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according to the agreed condition, and sending the electronic commitment
payment
certificate to the Merchant to make a credit commitment payment on behalf of
the client
[18] 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.
[19] The receiving module is configured to receive payment request
information transmitted
by the client, and the payment request information includes the payment
amount;
[20] A judgement module configured to compare the sum of the client fund
balance and the
credit overdraft amount and the payment amount to determine whether or not an
electronic commitment payment document can be issued;
[21] A processing module configured to freeze the balance of funds and the
amount of credit
overdrafts in the client account when the payment is allowed so that the total
amount of
the freezing is greater than or equal to the payment amount; generating an
electronic
commitment payment voucher, Commitment to send voucher information to the
merchant.
[22] A server based on the fund server, said server comprising a payment
device according to
any one of above claim.
[23] The present invention provides a payment system based on the same
Funds-
Management server and its method, device and server, supervises the
information of the
buyers and sellers through the Funds-Management server and the information
centre
server, and the regulatory function is merged into the bank or other
institutions with
payment ability; meanwhile, freezes the client account funds balance,
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.
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[24] [Brief Description]
[25] Figure 1 is a schematic diagram of the payment system based on the
same Funds-
Management server provided by Example 1 of the present invention;
[26] Figure 2 is a flow chart of the payment method based on the same fund
server provided
by Example 2 of the present invention;
[27] Figure 3 is a flow chart of the payment method based on the same fund
server provided
by Example 3 of the present invention;
[28] Figure 4 is a flow chart of the payment method based on the same fund
server provided
by Example 4 of the present invention;
[29] Figure 5 is a block diagram of a payment device based on the same
Funds-Management
server provided by Example 5 of the present invention;
[30] Figure 6 is a block diagram of a payment system based on the same
Funds-Management
server provided in the Example 6 of the present invention.
[31] [Description of the Preferred Examples]
[32] The present invention will be described in further detail with
reference to the
accompanying drawings and the accompanying example, in which the technical
problems, technical solutions and advantages to be solved by the present
invention will
become more apparent. It is to be understood that the specific examples
described herein
are merely illustrative of the invention and are not intended to limit the
invention.
[33] Example 1
[34] As shown in Figure 1, an example of the present invention provides a
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,
[35] 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.
[36] Specifically, the client 10 is suitable for the payer (buyer),
including the account
information of mobile phone, personal computer, PAD, and other intelligent
devices, the
account information of the client 10 is filled in when the customer registers
and stored
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in the database of the Fund-Management service and (or) the information centre
server,
the account information of the client 10 includes customer ID, an account
opening bank,
account name, a bank account number, and a credit balance, and may also
include the
customer's shipping address. The payment request information is 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
generates data package; the packet will be transmitted to the Funds-Management
server 30. The payment request information includes at least the payment
amount, and
may include the merchant information and the merchandise information. Among
them,
the merchant information can be directly merchants' receiving account number,
you can
also uniquely identify the merchant information (such as merchant ID), and
find the
corresponding bank account information by Funds-Management server 30 based on
the
unique identification of the merchant from the database. In the specific
application, the
account information of the merchant 20 should be kept confidential with
respect to the
client 10, so the merchant information is preferably the merchant ID, and the
Funds-
Management server 30 inquires the merchant's receiving account by using the
correspondence relationship between the merchant ID and its receiving account.
In other
words, the 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.
[37] 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.
[38] 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. The Merchant 20 receives the
electronic
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commitment payment voucher transmitted from the second Funds-Management server
30, and extracts the merchandise information and the goods receipt information
in the
electronic commitment payment voucher information to designate the merchandise
transmission destination.
[39] The Funds-Management server 30 receiving payment request information
sent by a
client 10; comparing the sum of a funds balance and a credit overdraft limit
of the client
with a payment amount to determine whether an electronic commitment payment
certificate can be created; if possible, the Funds-Management server
respectively
freezing the funds balance and the credit overdraft limit within a client and
account, the
funds balance and the credit overdraft limit corresponding to the payment
amount;
generating the electronic commitment payment certificate for the Funds-
Management
server to commit to pay funds according to an agreed condition, and sending
the
electronic commitment payment certificate to a merchant 20 to make a credit
commitment payment on behalf of the client and synchronize to the information
centre
server 40.
[40] Specifically, the Funds-Management server 30 receives the packet of
the payment
request information and parses it according to the pre-set rule to obtain the
relevant
payment information including, but not limited to, the merchant information,
the
merchandise information, and the payment amount, and the like information,
which
merchant to which the goods to pay the amount of money. The second Funds-
Management server 30 inquires whether the balance of the bank funds and the
credit
overdraft amount of the client account is sufficient for the current
settlement, and if it is
insufficient, the payment is terminated and, if sufficient, the balance of the
payment
amount and the amount of credit overdraft, So that the total amount of the
freeze is
greater than or equal to the amount of the payment, until the merchant
confirms the
delivery or the customer confirms the receipt after the transfer operation.
[41] It is understandable that the amount of funds to be frozen and the
corresponding amount
of credit overdrafts are included in the following cases:
[42] First, only the balance of the funds in the client account is frozen
so that the total
amount of the freeze is greater than or equal to the amount paid.
[43] Second, only to freeze the amount of credit overdraft, so that the
total amount of frozen
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greater than or equal to the amount of the payment.
[44] Third, respectively, part of the client account to freeze the balance
of funds and credit
overdraft limit, so that the total amount of frozen greater than or equal to
the amount of
the payment.
[45] 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.
[46] 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. Specifically, the second 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 certificate
information, that is, the payment of the balance of the funds and the amount
of the credit
overdraft, credit limit.
[47] 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 Fund-
Management according to the different traffic. The Funds-Management server
includes
but not limited to servers in organizations such as banks, and businesses. In
practical
applications, it can be seen as the same bank's cluster Funds-Management
server, but it
not limited to banks, it also supports the flow of funds in other institutions
in the
Internet or other institutions with payment ability, that is the so called the
third party
institution. Through the Funds-Management server and information centre
server, the
seller and seller of information are regulated, and the regulatory functions
are merged
into the bank or other institutions with credit ability to pay.
[48] Example 2
[49] As shown in Figure 2, an example of the present invention provides a
payment method
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based on the same fund server for use in the Funds-Management server, which
method
comprises the steps of:
[50] The S201 and the Funds-Management server receives the payment request
information
sent by the client, wherein the payment request information includes at least
the
payment amount;
[51] Specifically, the payment request information received by the Funds-
Management
server includes merchant information, product information and payment amount,
and
may include client information (e.g., customer 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. [52] S202, the
client's
balance of funds and credit overdraft and the sum of the amount of payment to
determine whether to generate electronic commitment to pay the certificate to
be paid, if
allowed, then enter the payment process, or terminate the payment. It is to be
understood that in the present embodiment, the balance of funds is usually
stored in a
debit card, which is preferably a credit card usage amount, or other credit
financial
products
[53] This Step further includes: the Funds-Management server from the
database query client
account balance; determine whether the balance of funds 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 when the sum
of the
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client's funds balance and credit overdraft limit are greater than or equal to
the payment
amount, it means that customers have the ability to pay and in this time it
can be
allowed to have payment behaviour. So, it can save the payment cycle, protect
the
interests of businesses.
[54] S203, the Funds-Management server will freeze the balance of funds and
credit
overdraft limit within the client terminal account, so that the total amount
of frozen
greater than or equal to the amount of the payment.
[55] This Step only to freeze the payment amount or credit limit to ensure
that there is
sufficient funds to complete the transaction, but not directly transfer to the
merchant
account, so to ensure the interests of the buyers and the sellers, followed by
the client,
the merchant or logistics company to send the payment information to confirm
the
delivery is completed by the Funds-Management server to receive the payment of
information, the re-blocked funds will be allocated to the merchant account.
[56] The S204, the Funds-Management server generates an electronic
commitment payment
the certificate;
[57] 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
respectively freezes the corresponding balance of funds and the amount of
credit
overdraft limit, and generates an electronic commitment payment certificate
based on
the payment information. The electronic commitment payment certificate
information
includes but is not limited to commodity information, payment amount (frozen
funds or
credit overdraft limit or credit loan limit), delivery address and validity
period, the form
is not limited to text, pictures, graphics and so on. The electronic
certificate is the
certificate of the receiving end of the merchant, and the merchant provides
the
corresponding goods / service according to the electronic commitment payment
certificate.
[58] S205, the electronic commitment payment certificate issued to the
client for the client to
undertake credit commitments and synchronization to the information centre
server.
[59] Specifically, this Step sends the generated electronic certificate
information to the
information centre server so that the information centre server performs
subsequent
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tracking.
[60] The payment method illustrated by the example of the present invention
can reduce the
risk of funds and protect the interests of the buyers and the sellers through
the Funds-
Management server receiving the payment request information of the client,
determining whether or not the payment is permitted based on the credit
overdraft limit,
funds amount, or credit loan limit in the client account, then at the same
time freezing
the payment account in the client, and generating electronic commitment
payment
certificate.
[61] Example 3
[62] As shown in Figure 3, an example of the present invention provides a
payment method
of the funds credit loan limit, applied in the same Funds-Management servers
as shown
in Figure 1, which is comprised of the steps as follows:
[63] S301, the client sends the payment request information to the Funds-
Management
server, the payment request information includes the payment amount, and the
Funds-
Management server receives the payment request information sent by the client.
[64] And the payment request information is composed of a plurality of data
packets,
including at least the Merchant information, the product information and the
payment
amount. You can also include client information (such as client ID). Among
them, the
merchant information can be directly merchants receiving account number, you
can also
uniquely identify the merchant information (such as business ID), and find the
corresponding bank account information by Funds-Management server based on the
unique identification of the merchant from the database. In the specific
application, the
account information of the merchant should be kept confidential with respect
to the
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.
[65] 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
CA 3055647 2019-09-17
digital signature is a data that the user encrypts a hash of the original data
with his own
private key. The information recipient obtains the hash digest by decrypting
the digital
signature attached to the original information using the public key of the
sender of the
information and confirms whether the original information is made by comparing
with
the hash digest generated by the original data received by the information
recipient
Tampered with. This ensures that the data transmission is undeniable. Digital
envelopes
use password technology to ensure that only the recipient of the specified
information
can read the contents of the information. Digital envelopes used in a single-
key
password system and public key password system. The information sender first
encrypts
the information with the randomly generated symmetric password, and then
encrypts the
symmetric password with the public key of the receiver. The symmetric password
encrypted by the public key is called the digital envelope. In the
transmission of
information, the information receiver shall decrypt the information, you must
first use
their own private key to decrypt the digital envelope, get a symmetric
password, in order
to use the symmetric password to decrypt the information obtained. This
ensures the
authenticity and integrity of the data transmission.
[66] S302, inquiring the sum of the funds balance of the client account and
the amount of the
credit overdraft, comparing the sum of the funds balance and the amount of the
credit
overdraft with the payment amount, if the sum is greater than or equal to the
amount, it
is sufficient; if the sum is less than the amount, it is insufficient. When
the funds balance
and credit overdraft limit is sufficient, executing the Step S204, otherwise
terminating,
not to pay;
[67] S303, the second Funds-Management server to freeze the client account
within the
amount of payment corresponding to the balance of funds and credit overdraft
capacity;
understand that the amount of the corresponding payment of the corresponding
amount
of funds balance and credit overdraft capacity, including the following
circumstances:
[68] 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.
[69] 2. 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.
[70] 3. Respectively, some of the client's account to freeze the balance of
funds and credit
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CA 3055647 2019-09-17
overdraft limit, making the total amount of frozen greater than or equal to
the amount of
the payment.
[71] S304, the Funds-Management server generates an electronic commitment
payment the
certificate;
[72] S305, sending the electronic commitment payment certificate
information to the
merchant and the information centre server;
[73] S306, the merchant sends the receiving and receiving information to
the Funds-
Management server;
[74] 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.
[75] S307, the Funds-Management server synchronizes the payment information
to the
information centre server.
[76] Specifically, the Funds-Management server synchronizes the updated
electronic
commitment payment certificate information to the information centre server,
from the
updated electronic commitment payment certificate information to immediately
inform
the merchandise of the circulation state, when the goods / service delivery is
completed,
Of the funds to the merchant account.
[77] S308, the funds corresponding to the freezing amount are allocated to
the account
number of the merchant. It can be understood that, according to the different
method of
freezing in S303, there will be a matching allocation plan, which will
allocate the
corresponding funds to the account of the merchant.
[78] S309, end the process.
[79] The payment method and server provided by the example of the present
invention
receives the payment request information of the client, determines whether the
payment
is permitted based on the sum of the funds balance and the credit overdraft
limit of the
client account, and by freezing the funds balance and the credit overdraft
limit of the
client account to generate electronic commitment payment certificate to
supervise in
real-time, which can reduce the risk of funds and protect the interests of the
buyers and
the sellers.
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[80] Example 4
[81] As shown in Figure 4, an example of the present invention provides a
payment method
of the credit overdraft limit, and applied in the payment system of the same
management
server as shown in Figure 1, which method comprises the steps of:
[82] S401, the Funds-Management server receives the payment request
information sent by
the client.
[83] And the payment request information is composed of a plurality of data
packets,
including at least the Merchant information, the product information and the
payment
amount. You can also include client information (such as client ID). Among
them, the
merchant information can be directly merchants receiving account number, you
can also
uniquely identify the merchant information (such as business ID), and find the
corresponding bank account information by Funds-Management server based on the
unique identification of the merchant from the database. In the specific
application, the
account information of the merchant should be kept confidential with respect
to the
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.
[84] The way the client sends payment request information to the Funds-
Management server
can be done in the existing way, such as using a digital signature or a
digital envelope. A
digital signature is a data that the user encrypts a hash of the original data
with his own
private key. The information recipient obtains the hash digest by decrypting
the digital
signature attached to the original information using the public key of the
sender of the
information and confirms whether the original information is made by comparing
with
the hash digest generated by the original data received by the information
recipient
Tampered with. This ensures that the data transmission is undeniable. Digital
envelopes
use password technology to ensure that only the recipient of the specified
information
can read the contents of the information. Digital envelopes used in a single-
key
password system and public key password system. The information sender first
encrypts
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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.
[85] S402, inquiring the sum of the funds balance of the client account and
the amount of the
credit overdraft, comparing the sum of the funds balance and the amount of the
credit
overdraft with the payment amount, if the sum is greater than or equal to the
amount, it
is sufficient; if the sum is less than the amount, it is insufficient. When
the balance of
funds and credit overdraft is sufficient, executing Step S403 or executing
Step S404;
[86] S403, the second Funds-Management server to freeze the client account
within the
balance of funds and credit overdraft limit and credit loan limit, so that the
total amount
of frozen are greater than or equal to the amount of the payment, it can be
specifically
divided into the following forms:
[87] 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.
[88] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or
equal to the payment amount.
[89] 3. Only to freeze the amount of credit overdraft limit, so that the
total amount of frozen
are greater than or equal to the amount of the payment.
[90] 4. Respectively, some of the client's account to freeze the balance of
funds and credit
loan limit, making the total amount of frozen greater than or equal to the
amount of the
payment.
[91] 5. Respectively, some of the client's account to freeze the balance of
funds and credit
loan limit, making the total amount of frozen greater than or equal to the
amount of the
payment.
[92] 6. Respectively, some of the client's account to freeze the credit
loan limit and credit
overdraft limit, making the total amount of frozen greater than or equal to
the amount of
the payment.
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[93] 7. Respectively, some of the client's account to freeze the credit
loan limit and credit
overdraft limit, as well as the funds balance, making the total amount of
frozen greater
than or equal to the amount of the payment.
[94] S404 asks the client whether to issue credit loan limit; if it is
needed, executing Step
S405, otherwise turn to Step S411;
[95] S405, judging whether the credit loan limit is sufficient; the
sufficient can be understood
in several cases:
[96] 1. If the sum of the original funds balance of the client account and
the amount of the
credit overdraft limit as well as the credit loan limit are greater than or
equal to the
amount of the payment amount, the credit loan limit is considered to be
sufficient; and
conversely, it is insufficient;
[97] 2. When the credit loan limit is greater than or equal to the amount
of the payment
amount, the credit loan limit is considered to be sufficient and, conversely,
insufficient.
[98] Specifically, the credit loan limit can be the amount specified by the
client, or it can
default to the amount of the current payment. For example, when the price of a
product
selected by the customer is 1,500 Yuan (payment amount), if the customer
account funds
balance and credit overdraft limit only 900 Yuan, you need credit loan limit
of 600 Yuan
in order to meet the allowable payment to pay the act. Of course, the using of
another
way, such as the direct application for credit loan limit of 1,500 Yuan, to
pay, is also
feasible.
[99] S406, the Funds-Management server to freeze the client account within
the balance of
funds and credit overdraft limit and credit loan limit, so that the total
amount of frozen
are greater than or equal to the amount of the payment, it will generate the
electronic
commitment payment certificate;
[100] S407, sending the electronic commitment payment certificate information
to the
merchant and the information centre server;
[101] S408, the merchant sends the receiving and receiving information to the
Funds-
Management server;
[102] It is to be noted that in Step S408, the merchant sends and receives the
payment
information to the Funds-Management server as an example. In practice, it is
also
possible for the client, the logistics server, or other entity that can know
the delivery
CA 3055647 2019-09-17
status to send the payment information to the Funds-Management server.
[103] S409, the Funds-Management server synchronizes the payment information
to the
information centre server.
[104] Specifically, the Funds-Management server synchronizes the updated
electronic
commitment payment certificate information to the information centre server,
from the
updated electronic commitment payment certificate information to immediately
inform
the merchandise of the circulation state, when the goods / service delivery is
completed,
Of the funds to the merchant account.
[105] S410, the funds corresponding to the freezing amount are allocated to
the account
number of the merchant. It can be understood that, according to the different
ways of
freezing in S403, there will be a matching allocation plan, which will
allocate the
corresponding funds to the account of the merchant.
[106] S411, end the process.
[107] The example of the present invention, on the basis of the Example 3, not
only facilitates
the buyer, but also greatly enriches the business of the bank or other
institution with the
credit payment ability by increasing the credit loan limit function; Keeping
Buyers and
sellers' electronic commitment certificate to track synchronization, the flow
of goods
and the flow of funds trajectory can be effective combined to protect the
interests of
both buyers and sellers effectively.
[108] Example 5
[109] As shown in Figure 5, an example of the present invention provides a
payment device
including a receiving module 301, a judgement module 302, and a processing
module
303, wherein:
[110] The receiving module 301 is configured to receive payment request
information
transmitted by the client, and the payment request information includes the
payment
amount.
[111] Specifically, the payment request information received by the
receiving module 301
includes merchant information, product information and payment amount, and may
include 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
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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.
[112] The judgement module 302 is configured to determine whether to pay based
on the
client' account fund balance and the credit overdraft limit as well as the
payment
amount.
[113] As a preferred scheme, the judgement module 302 is specifically
configured to inquiry
the client's account funds balance and the credit overdraft limit; and
determined whether
the funds balance and the credit overdraft limit of the client account are
greater than or
equal to the payment amount, if possible, it is allowed to pay. In this way,
firstly to
determine the payment ability of the sum of the funds balance and the credit
overdraft
limit, and priority to the use of account' funds balance and credit overdraft
limit
payment method, which can save the payment cycle to protect the interests of
businesses. And the bank account or the credit card account may be notified by
the
client to the device in the payment request information, or the device may
inquire from
the database based on the client information and obtain the funds
corresponding to the
account funds balance or credit overdraft limit. Only when the sum of the
client's funds
balance and credit overdraft limit are greater than or equal to the payment
amount, it
means that customers have the ability to pay and in this time it can be
allowed to have
payment behaviour.
[114] As another preferred example, the judgement module 302 is also
configured to ask the
client whether credit loan limit is to be issued when the sum of the fund
balance and the
credit overdraft limit of the client account is less than the payment amount;
if it needs
credit loan limit, then the client account to issue credit loan limit and
allow the payment;
if not, then terminate the payment. In addition, it not only to facilitate the
buyer, but also
greatly enrich the bank or other institutions with credit ability to pay the
business. When
using a Funds-Management server to obtain a bank account or credit card
account based
on customer information, a customer may have multiple accounts, and a mixed
payment
method may also be used. For example, when the price of a commodity selected
by the
customer is 1,500 Yuan (the payment amount), the sum of the funds balance and
the
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credit overdraft limit is only 900 Yuan, then the amount of money that the
customer can
use to pay is a total of 900 Yuan, which will not be able to pay; If the
client account has
credit loan limit amount of 600 Yuan, so the application of credit loan limit
is 600 Yuan,
then they have a 1,500 Yuan of using, can be implemented to be the payment
behaviour.
[115] The processing module 303 is configured to freeze the funds balance and
the credit loan
limit and the credit loan limit in the client account respectively when the
payment is
allowed so that the total amount of the freezing are greater than or equal to
the payment
amount; generating the electronic commitment payment certificate, the
electronic
commitment payment certificate message is sent to the merchant.
[116] Preferably, the processing module 303 further includes a freeze unit
5031, a credential
generation unit 5032, and a synchronization unit 3033, wherein:
[117] The freezing unit 3031 is configured to freeze the balance of the funds
and the credit
overdraft limit and the credit loan limit in the client account when the
payment is
allowed so that the total amount of the freezing are greater than or equal to
the payment
amount;
[118] The certificate generation unit 3032 is configured to generate an
electronic commitment
payment document;
[119] The synchronization unit 3033 is configured to transmit the electronic
commitment
payment certificate information to the merchant.
[120] In addition, the processing module 303 may include a transfer unit,
configured to
receive the payment information, synchronize the payment information to the
information centre server, and allocate the frozen funds to the account of the
merchant.
[121] What needs to be noted is that the technical features of the above-
described method
Examples 2, 3 and 4 are applicable in the present apparatus, which will not be
repeated
again here.
[122] In addition, the present invention provides a Funds-Management server
including a
payment device in the fourth example, which is not repeated here.
[123] The payment method and server provided by the example of the present
invention
receives the payment request information of the client, determines whether the
payment
is permitted based on the sum of the funds balance and the credit overdraft
limit of the
client account, and by freezing the funds balance and the credit overdraft
limit of the
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client account to generate electronic commitment payment certificate to
supervise in
real-time, which can reduce the risk of funds and protect the interests of the
buyers and
the sellers. In addition, by increasing the loan function, not only to
facilitate the buyer,
but also greatly enrich the bank or other institutions with credit ability to
pay the
business.
[124] Example 6
[125] As shown in Figure 6, 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:
[126] The information centre server 50 is used to store and supervise the
electronic
commitment payment certificate information.
[127] 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.
[128] 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.
[129] The Funds-Management server 30 includes a receiving module 301, a
judgement
module 302, and a processing module 303, wherein:
[130] The receiving module 301 is configured to receive payment request
information
transmitted by the client;
[131] the judgement module 302 is configured to compare the sum of the client'
funds balance
and the credit overdraft limit and the payment amount to determine whether the
electronic commitment payment document can be issued;
[132] As a preferred example, the judgement module 302 is configured to
determine whether
the funds balance and the credit overdraft limit of the client account is
greater than or
equal to the amount of the payment, and if so, the payment is allowed; Greater
than or
equal to the payment amount, if possible, then allow payment, or to further
determine
whether the client's account loan amount is greater than or equal to the
payment
amount, if so, allow to pay.
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[133] 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 and
synchronize
to the information centre server.
[134] As a preferred example, the receiving module 301 of the Funds-Management
server 30
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.
[135] 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
second Funds-
Management server 30 respectively freezes the corresponding balance of funds
and the
amount of credit overdraft limit, and generates an electronic commitment
payment
certificate based on the payment information. The electronic commitment
payment
certificate information includes but is not limited to commodity information,
payment
amount (frozen funds or credit overdraft limit or credit loan limit), delivery
address and
validity period, the form is not limited to text, pictures, graphics and so
on. The
electronic certificate is the certificate of the receiving fund of the
Merchant 20, and the
Merchant 20 provides the corresponding merchandise/service based on the
electronic
commitment payment certificate.
[136] 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.
[137] The preferred examples of the present invention have been described
above with
reference to the accompanying drawings, and are not intended to limit the
scope of the
invention. It will be apparent to those skilled in the art that various
modifications,
equivalents, and improvements may be made without departing from the scope and
spirit of the invention.
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