Note: Descriptions are shown in the official language in which they were submitted.
CROSS-FUNDS MANAGEMENT SERVER-BASED PAYMENT SYSTEM, AND METHOD,
DEVICE AND SERVER THEREFOR
Technical Field
[0001] This invention refers to e-commerce field, especially, it is a cross
Funds-Management
server payment system and its payment method, device and server.
Background
[0002] 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.
[0003] 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.
Summary
[0004] In view of the above, the technical problem to be solved by the
present invention is to
provide a payment system, and its payment method, device and server based on a
cross Funds-
Management server to reduce the risk of user funds, and to protect the
interests of buyers and
sellers.
[0005] The technical solution of the present invention to solve the above-
mentioned
technical problems is as follows:
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[0006] A payment system based on a cross Funds-Management server including
at least one
first terminal, one second terminal, and an information centre server; a
second Funds-
Management server connected to the first terminal, and a first Funds-
Management server
connected to the second terminal, the first Funds-Management server and the
second Funds-
Management server are connected with the information centre server
respectively, wherein:
[0007] The said client for sending payment request information including at
least the
payment amount to the said second Funds-Management server;
[0008] The said Merchant for receiving the electronic commitment payment
certificate sent
by the second Funds-Management server;
[0009] The method comprises: the second Funds-Management server is used for
receiving
payment request information sent by the client; comparing the sum of the funds
balance and
credit overdraft limit 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 freezing
amount are greater or equal 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 to
make a credit commitment payment on behalf of the client.
[0010] The first Funds-Management server is configured to store the
electronic payment
document information transmitted by the second Funds-Management server and
allocate the
received payment amount to the Merchant and account based on the electronic
payment
document information;
[0011] The information centre server for storing and supervising the
electronic commitment
payment certificate information.
[0012] According to another aspect of this invention, there is a network
payment method
based on the same Funds-Management servers, and the method is comprised by
following steps:
[0013] The second Funds-Management server receives the payment request
information sent
by the client, wherein the payment request information includes at least the
payment amount;
[0014] 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;
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[0015] 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 to make a
credit commitment payment on behalf of the client.
[0016] A payment device based on the cross Funds-Management server, the
said device
comprising a receiving module, a judging module and a processing module,
wherein.
[0017] A receiving module configured to receive payment request information
transmitted by
the first terminal connected with the second Funds-Management server, wherein
the payment
request information includes a payment amount;
[0018] 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;
[0019] 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.
[0020] A server based on the same Funds-Management server, said server
comprising a
payment device according to any one of above claim.
[0021] 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.
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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.
Brief Description of the Drawings
[0022] Figure 1 is a schematic diagram of the payment system based on a
cross Funds server
that provided by the first example of the present invention;
[0023] Figure 2 is a flow chart of the payment method based on a cross
Funds server
provided by the second example of the present invention;
[0024] Figure 3 is a flow chart of the payment method based on a cross
Funds server
provided by the third example of the present invention;
[0025] Figure 4 is a block diagram of a payment device based on a cross
Funds-Management
server provided by the fourth example of the present invention;
[0026] Figure 5 is a block diagram of a payment system based on a cross
Funds-Management
server provided by the fifth example of the present invention.
Detailed Description
[0027] 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.
[0028] Example 1
[0029] As shown in Figure 1, an example of the present invention provides a
cross Funds-
Management server payment system comprising at least one client 10, at least
one merchant 20,
and interconnected first Funds-Management server -based 30 and a second Funds-
Management
server 40, wherein:
[0030] The client 10 is connected with server 40 of the second Funds-
Management server for
transmitting the payment request information to the second Funds-Management
server 40, and
the payment request information includes the payment amount.
[0031] 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
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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 customer ID, an account opening bank, account name, a
bank account
number, and a credit balance, and may also include the customer's shipping
address. The
payment request information is the information that the customer has written
and confirmed
shipping address information after the customer purchases the specific
goods/services. According
to the pre-set rules, price of the goods/services, and commercial Merchants of
the goods/services,
the client 10 generates data package; the packet will be transmitted to the
second Funds-
Management server 40. The payment request information includes at least the
payment amount,
and may include the Merchant information and the product information. Among
them, the
Merchant information can be directly the Merchant's receiving account, it can
also uniquely
identify the Merchant information (for an example, Merchant ID), by the Funds-
Management
server 40 on the unique identification of the merchant from the database to
find the
corresponding bank account information. In the specific application, the
account information of
the Merchant 20 should be kept confidential with respect to the client 10, so
the Merchant
information is preferably the Merchant ID, and the second Funds-Management
server 40 inquires
the Merchant's receiving account by using the corresponding relationship
between the Merchant
ID and its receiving account number. In other words, the client 10 only needs
to inform the
second Funds-Management server 40 to which Merchant and which goods to pay the
amount of
funds, the second Funds-Management server 40 will be able to call out the
Merchant account to
implement the appropriate payment operation.
[0032] The Merchant 20 is connected to the first Funds-Management server 30
for receiving
the electronic commitment payment certificate transmitted by the second Funds-
Management
server 40.
[0033] Specifically, the Merchant 20 is adapted to the recipient
(Merchant), and the
Merchant includes but not limited to devices such as servers, and POS machines
and so on.
Merchants include but not limited to manufacturers, agents, logistics
companies, etc. The
merchant information is also registered in the database of the Funds-
Management server and (or)
the information centre server, and the merchant information includes, but not
limited to merchant
ID, merchant name, merchant opening bank, merchant account name, and merchant
bank
account number. The Merchant 20 receives the electronic commitment payment
voucher
Date Recue/Date Received 2020-09-24
transmitted from the second Funds-Management server 40, and extracts the
merchandise
information and the goods receipt information in the electronic commitment
payment voucher
information to designate the merchandise transmission destination.
[0034] The Funds-Management server 40 receiving payment request information
sent by a
client 10; comparing the sum of a funds balance and a credit overdraft limit
of the client 10 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 50.
[0035] Specifically, the second Funds-Management server 40 receives the
packet of the
payment request information and analyses it according to the reset rule to
obtain the relevant
payment information including but not limited to the Merchant information, the
merchandise
information, and the payment amount And other necessary information, that is,
to which
Merchant which goods to pay the amount of money. The second Funds-Management
server 40
inquires whether the 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.
[0036] It is understandable that the amount of funds to be frozen and the
corresponding
amount of credit overdrafts are included in the following cases:
1. 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.
2. Only the credit loan limit is frozen so that the total amount of the
greater than or
equal to the payment amount.
3. 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
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payment.
[0037] The information centre server 50 is connected to the second Funds-
Management
server 40 and the first Funds-management server 30 for storing the electronic
commitment
payment certificate information of the client 10 and the merchant 20.
[0038] Specifically, both the client 10 and the merchant 20 can obtain the
electronic
commitment payment certificate information to the information centre server 50
via the Internet
for subsequent processing, such as the correctness of the dual channel
authentication information
using the data. Specifically, the second Funds-Management server 40 may
further determine
whether or not the payment operation is made in accordance with the state of
the electronic
commitment to pay the certificate information, that is, the payment of the
balance of the funds
and the amount of the credit overdraft, credit limit.
[0039] In the present example, the second Funds-Management server 40 may be
connected
to the plurality of clients 10 and via the Internet at the same time. The
first Funds-Management
server 30 may be connected to a plurality of Merchant terminals 20 and via the
Internet at the
same time. That is, the server where the Merchant 20 is located is not on the
same server as the
server where the client 10 is located. The second Funds-Management server 40
and the first
Funds-management server 30 can be a single server in the physical sense, or it
can work in
parallel for multiple servers in the physical sense, such as multiple physical
servers. According to
the different traffic, the resources of the server are automatically allocated
to realize the Fund-
Management. The second Funds-Management server 40 and the first Funds-
Management server
30 includes but is not limited to servers in institutions such as banks,
businesses, and so on. In
the practical applications, it can be understood as the same bank's cluster
Funds-Management
server, but not limited to banks, but also the Internet to support the flow of
funds in other
institutions. Through the Funds-Management server and information centre
server, the seller and
seller of information are regulated, and the regulatory functions are merged
into the bank or other
institutions with credit ability to pay.
[0040] Example 2
[0041] As shown in Figure 2, an example of the present invention provides a
payment
method based on a cross Funds-Management server for use in a Funds-Management
server-
based, which method comprises the following steps:
[0042] S201, the client transmits the payment request information to the
second Funds-
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Management server, and the payment request information includes the payment
amount.
[0043] Specifically, the payment request information received by the second
Funds-
Management server includes Merchant information, product information and
payment amount,
and it may also include the client information (for an example, customer ID).
Among them, the
merchant information can be merchants' account number, and it can also be the
only
identification of the merchant information (such as merchant ID), to find the
corresponding bank
account information based on the unique identification of the business from
the database by the
second Funds-Management server. In the specific application, the account
information of the
Merchant should be kept confidential with respect to the client .so the
Merchant information is
preferably the Merchant ID, and the second Funds-Management server inquires
the Merchant's
receiving account by using the corresponding relationship between the Merchant
ID and its
receiving account number. In other words, the client only needs to inform the
second Funds-
Management server to which Merchant and which goods to pay the amount of
funds, the second
Funds-Management server will be able to call out the Merchant account to
implement the
appropriate payment operation.
[0044] S202, the second Funds-Management server receives the client to send
the payment
request information;
[0045] S203, 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;
[0046] S204, 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 :
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.
2. Only the credit loan limit is frozen so that the total amount of the
greater than or
equal to the payment amount.
3. Respectively, some of the client's account to freeze the balance of
funds and credit
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overdraft limit, making the total amount of frozen greater than or equal to
the amount of the
payment.
[0047] S205, the second Funds-Management server generates the electronic
commitment
payment certificate based on the payment request information and the freezing
information and
transmits the electronic commitment payment certificate to the Merchant;
[0048] Specifically, since the payment request information is sent by the
buyer to the second
Funds-Management server through the client's operation, the payment
information is objectively
confirmed by the customer and authorized by the bank. The second Funds-
Management server
freezes the corresponding funds and generates an electronic commitment payment
certificate
based on the payment information, and the Merchant provides the corresponding
merchandise/service according to the electronic commitment payment
certificate.
[0049] S206, the second Funds-Management server sends the electronic
payment certificate
to the second terminal and synchronizes to the information centre server and
the first Funds-
Management server; Specifically, this Step sends the generated electronic
certificate information
to the information centre server so that the information centre server
performs subsequent
tracking.
[0050] S207, the second Funds-Management server receives the payment
information;
[0051] S208, the second Funds-Management server allocates the funds
corresponding to the
freezing amount to the first Funds-Management server;
[0052] S209, the first Funds-Management server transfers the received
payment amount to
the account of the Merchant.
[0053] The payment method provided by the example of the present invention
receives the
payment request information of the client through the second Funds-Management
server,
determines whether the payment is permitted based on the sum of the funds
balance and the
payment amount 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.
[0054] Example 3
[0055] As shown in Figure 3, a preferred example of the present invention
provides a
payment method for funds balance and credit overdraft limit which applied to
the cross Funds-
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Management server payment system shown in Figure 1, comprising the following
steps:
[0056] S301, the client sends the payment request information to the second
Funds-
Management server, and the payment request information includes at least the
payment amount.
[0057] 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.
[0058] The way the client sends payment request information to the second
Funds-
Management server can be done in the existing way, such as using a digital
signature or a digital
envelope. A digital signature is a data that the user encrypts a hash of the
original data with own
private key. The information recipient obtains the hash digest by decrypting
the digital signature
attached to the original information using the public key of the sender of the
information and
confirms whether the original information is made by comparing with the hash
digest generated
by the original data received by the information recipient tampered with. This
ensures that the
data transmission is undeniable. Digital envelopes use password technology to
ensure that only
the recipient of the specified information can read the contents of the
information. Digital
envelopes used in a single-key password system and public key password system.
The
information sender first encrypts the information with the randomly generated
symmetric
password, and then encrypts the symmetric password with the public key of the
receiver. The
symmetric password encrypted by the public key is called the digital envelope.
In the
transmission of information, the information receiver shall decrypt the
information, you must
first use their own private key to decrypt the digital envelope, get a
symmetric password, in order
Date Recue/Date Received 2020-09-24
to use the symmetric password to decrypt the information obtained. This
ensures the authenticity
and integrity of the data transmission.
[0059] S302, the Funds-Management server receives the payment request
information sent
by the client.
[0060] Specifically, the payment request information received by the second
Funds-
Management server includes Merchant information, product information and
payment amount,
and it may also include the client information (for an example, client ID).
Among them, the
merchant information can be merchants' account number, and it can also be the
only
identification of the merchant information (such as merchant ID), to find the
corresponding bank
account information based on the unique identification of the business from
the database by the
second Funds-Management server. In the specific application, the account
information of the
Merchant should be kept confidential with respect to the client .so the
Merchant information is
preferably the Merchant ID, and the second Funds-Management server inquires
the Merchant's
receiving account by using the corresponding relationship between the Merchant
ID and its
receiving account number. In other words, the client only needs to inform the
second Funds-
Management server to which Merchant and which goods to pay the amount of
funds, the second
Funds-Management server will be able to call out the Merchant account to
implement the
appropriate payment operation.
[0061] S303, 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 S305, or executing steps;
[0062] S304 asks the client whether to issue credit loan limit; if it is
needed, executing Step
S305, or terminating the process;
[0063] S305, judging whether the credit loan limit is sufficient; the
sufficient can be
understood in several cases:
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;
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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.
[0064] 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.
[0065] S306, 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:
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.
2. Only the credit loan limit is frozen so that the total amount of the
greater than or
equal to the payment amount.
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.
4. Respectively, some of the client's account to freeze the balance of
funds and credit
overdraft limit, making the total amount of frozen greater than or equal to
the amount of the
payment.
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.
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.
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.
[0066] S307, the second Funds-Management server generates the electronic
commitment
payment certificate according to the payment request information and the
freezing information;
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[0067] Specifically, since the payment request information is sent by the
buyer to the second
Funds-Management server through the client's operation, the payment
information is objectively
confirmed by the customer and authorized by the bank. The second Funds-
Management server
will freeze the corresponding the funds balance, credit overdraft limit or
credit loan limit;
meanwhile, it will generate an electronic commitment payment certificate based
on the payment
information, and the Merchant will provide the corresponding goods/services
according to the
electronic commitment payment certificate.
[0068] S308, the second Funds-Management server sends the electronic
payment certificate
to the second terminal and synchronizes to the information centre server and
the first Funds-
Management server; Specifically, this Step sends the generated electronic
certificate information
to the information centre server so that the information centre server
performs subsequent
tracking.
[0069] S309, the second Funds-Management server receives the payment
information; it
should be noted that In Step S408, the Merchant sends and receives the payment
information to
the Funds-Management server only as an example, and in practice, the client, a
logistics server,
or other entity that is aware of the delivery status to send payment
information to the Funds-
Management server.
[0070] S310, the second Funds-Management server allocates the funds
corresponding to the
freezing amount to the first Funds-Management server; it is understood that
there will be a
corresponding matching fund allocation scheme according to the different
freezing methods in
Step S306, and the funds allocated to the account of the Merchant.
[0071] S311, the first Funds-Management server transfers the received
payment amount to
the account of the Merchant
[0072] Finally, the process is ended.
[0073] The example of the present invention, on the basis of the second
example, not only
facilitates the buyer, but also greatly enriches the business of the bank or
other institution with
the credit payment ability by increasing the credit 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.
[0074] Example 4
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[0075] As shown in Figure 4, an example of the present invention provides a
payment device
including a receiving module 301, a judgement module 302, and a processing
module 303,
wherein:
[0076] The receiving module 301 is configured to receive payment request
information
transmitted by the client, and the payment request information includes the
payment amount.
[0077] 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.
[0078] 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.
[0079] 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.
[0080] 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
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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 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.
[0081] 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.
[0082] Preferably, the processing module 303 further includes a freeze unit
3031, a
certificate generation unit 3032, and a synchronization unit 3033, wherein:
[0083] 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;
[0084] The credential generation unit 3032 is configured to generate an
electronic
commitment payment certificate;
[0085] The synchronization unit 3033 is configured to transmit the
electronic commitment
payment certificate information to the merchant.
[0086] In addition, the processing module 303 may include a debt unit,
configured to receive
the payment information, synchronize the payment information to the client and
the Merchant,
and allocate the corresponding funds to the first Funds-Management server
Merchant account.
[0087] It is important to note that the technical features of the above-
described method
examples 2 and 3 are applicable in the present apparatus and are not repeated
here.
Date Recue/Date Received 2020-09-24
[0088] In addition, the present invention provides a Funds-Management
server including a
payment device in the fourth example, which is not repeated here.
[0089] 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. 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.
[0090] Example 5
[0091] As shown in Figure 5, a preferred example of the present invention
provides a
payment system based on a cross Funds-Management server, which includes at
least one client
10, at least one Merchant 20, and interconnected second Funds-Management
server 40 and a first
Funds-Management server 30 that connects with the information centre 50. Among
them:
[0092] The information centre server 50 is used to store and supervise the
electronic
commitment payment certificate information.
[0093] The client 10 includes a payment request module 101 configured to
send payment
request information to the second Funds-Management server 40, and the payment
request
information includes Merchant information, product information, and payment
amount.
[0094] The merchant 20 includes a certificate receiving module 201 and a
certificate
updating module 202, wherein the certificate receiving module 201 is
configured to receive the
electronic commitment payment certificate sent by the fund managing server 40.
[0095] The second Funds-Management server 40 includes a receiving module
301, a
judgement module 302, and a processing module 303, wherein:
[0096] The receiving module 301 is configured to receive payment request
information
transmitted by the client;
[0097] 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;
[0098] As a preferred example, the judgement module 302 is configured to
determine
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Date Recue/Date Received 2020-09-24
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.
[0099] 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
50.
[0100] As a preferred example, the receiving module 301 of the second Funds-
Management
server 40 is also responsible for receiving the payment information; the
processing module 303
also includes a transferring module, which is configured to transfer equal
funds to the account of
the merchant after receiving the payment information.
[0101] Specifically, since the payment request information is sent by the
buyer to the second
Funds-Management server 40 through the client 10, the payment information is
objectively
obtained by the client 10 confirming and authorizing the bank to pay. The
second Funds-
Management server 40 respectively freezes the corresponding 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.
[0102] A person of skill in the art considers the problems disclosed herein
and sought to be
solved by the present disclosure to be exclusively computer problems and
contemplates only
solutions to those problems that include essential computer elements. Abstract
ideas, mere
schemes, plans, rules, or mental processes that do not include computer
elements are expressly
excluded from this application.
[0103] A person of skill in the art can understand and implement all or
parts of steps in the
aforesaid examples that can complete the procedure by controlling relevant
hardware, and the
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Date Recue/Date Received 2020-09-24
said procedure can be stored in a readable storage media of a computer such as
ROM/RAM, disk
and light disk.
[0104] 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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Date Recue/Date Received 2020-09-24
