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 a cross
Funds-Management
server payment system and its payment method, device and server.
[3] [Background Technology]
[4] E-commerce has become increasingly widely used in a variety of
commercial trade
activities, the so-called e-commerce is a business operation model that based
on the
browser and server applications helps consumer realize online shopping, online
transactions between merchants and online electronic payments, as well as a
variety of
business activities, trading activities, financial activities and related
integrated service
activities in the commercial trade, and in the Internet open network
environment.
[5] At present, many banks or enterprises have provided a network of
payment services,
allowing customers to operate computers, mobile phones and other terminal
equipment
to achieve network payment, the way of the network payment provides customers
with a
great convenience. But in the process of network payment, the payment is
conducted by
directly using the existing funds in the debit cards or credit card, or
allocating the credit
limit of the existing funds or credit card to the third party as a guarantee
for the
transaction, once the merchant does not provide goods or service, or disputes
occur, the
financial security is difficult to be guaranteed. Thus, 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-based server to reduce the risk of user funds,
and to
protect the interests of buyers and sellers.
[8] The technical solution of the present invention to solve the above-
mentioned technical
problems is as follows:
[9] A payment system based on the same fund management server, comprising
at least one
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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
delivered by the client; comparing the sum of the credit overdraft limit,
credit loan limit
and the funds balance with the payment amount to determine whether an
electronic
commitment payment certificate can be created; if possible, the Funds-
Management
server will freeze the credit overdraft limit, credit loan limit and the funds
balance
within the client 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
merchant, wherein the payment request information includes at least the
payment
amount;
[16] Comparing the credit overdraft limit, credit loan limit and funds
balance to determine
whether an electronic commitment payment certificate can be generated to make
a credit
commitment payment;
[17] If possible, freezes the credit overdraft limit, credit loan limit and
funds balance within
the client account, making the freezing funds exceeds or equals to the payment
amount;
generating the electronic commitment payment certificate of the Funds-
Management
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server to commit to pay funds, and delivering 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 to the
information
centre server.
[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] The judgement module is configured to determine whether or not to
allow payment
based on the credit overdraft balance, credit loan limit and funds balance and
the
payment amount;
[21] When the processing module is configured to allow paying, freeze the
credit overdrafts
limit, credit loan limit and funds balance in the client account so that the
total amount of
frozen is greater than or equal to the payment amount; generating an
electronic
commitment payment certificate, and deliver it to the merchant, and
synchronize the
electronic commitment payment certificate to the information centre server.
[22] A server based on the same Funds-Management 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 credit overdraft limit, credit
loan limit and
funds balance receptively, 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.
[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 Funds-
Management
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server provided by Example 2 of the present invention;
[27] Figure 3 is a flow chart of the payment method based on the same Funds-
Management
server provided by Example 3 of the present invention;
[28] Figure 4 is a block diagram of a payment device based on the same
Funds-Management
server provided by Example 5 of the present invention;
[29] Figure 5 is a block diagram of a payment system based on the same
Funds-Management
server provided in the Example 6 of the present invention.
[30] [Description of the Preferred Examples]
[31] The present invention will be described in further detail with
reference to the
accompanying drawings and the accompanying example, in which the technical
problems, technical solutions and advantages to be solved by the present
invention will
become more apparent. It is to be understood that the specific examples
described herein
are merely illustrative of the invention and are not intended to limit the
invention.
[32] Example 1
[33] As shown in Figure 1, an example of the present invention provides a
payment system
based on the same Funds-Management server, which includes at least one
client10, 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,
[34] The client 10, connected with the Funds-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.
[35] Specifically, the client 10 is suitable for the payer (buyer),
including the account
information of mobile phone, personal computer, PAD, and other intelligent
devices, the
account information of the client 10 is filled in when the customer registers
and stored
in the database of the Funds-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,
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price of the goods/services, and commercial tenants of the goods/services, the
merchant
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 Fund-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 Fund-Management server 30 which
merchant's which goods need to be paid how much money, then the Fund-
Management
server 30 will be able to call out the merchant account to implement the
appropriate
payment operation.
[36] 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.
[37] Specifically, the Merchant 20 is adapted to the recipient (Merchant),
and the Merchant
includes but not limited to devices such as servers, and POS machines and so
on.
Merchants include but not limited to manufacturers, agents, logistics
companies, etc.
The merchant information is also registered in the database of the Fund-
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 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.
[38] The funds management server 30 is used for receiving payment request
information
delivered by a client 10; comparing the sum of credit overdraft limit, credit
loan limit
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and a funds balance in the client 10 with a payment amount to determine
whether an
electronic commitment payment certificate can be created; if possible,
freezing the
payment amount corresponding to the credit overdraft limit and credit loan
limit within
a client account; generating the electronic commitment payment certificate by
the
Funds-Management server to commit to pay funds according to an agreed
condition,
and delivering the electronic commitment payment certificate to a merchant 20
and
synchronize to the information centre server 40.
[39] 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.
[40] It is understandable that the frozen payment amount corresponding to
the credit
overdraft limit, credit loan limit and funds balance included the following
cases:
[41] 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.
[42] 2. Only freezing the credit loan limit so that the total frozen amount
of the greater than
or equal to the payment amount.
[43] 3. Only freezing the amount of credit overdraft limit so that the
total frozen amount are
greater than or equal to the amount of the payment.
[44] 4. Freezing the part of the balance of funds and credit loan limit in
the client's account
respectively, making the total frozen amount is greater than or equal to the
payment
amount.
[45] 5. Freezing the part of the balance of funds and credit overdraft
limit in the client's
account respectively, making the total frozen amount is greater than or equal
to the
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payment amount.
[46] 6. Freezing the part of the credit loan limit and credit loan limit
respectively, making the
total frozen amount is greater than or equal to the payment amount.
[47] 7. Freezing the part of the credit overdraft limit and credit loan
limit in the client's
account respectively, making the total frozen amount is greater than or equal
to the
payment amount.
[48] 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.
[49] Specifically, both the client 10 and the merchant 20 can obtain the
electronic
commitment payment certificate information to the information centre server 40
via the
Internet for subsequent processing, such as the correctness of the dual
channel
authentication information using the data. The Funds-Management server 30 may
further determine whether or not the payment operation is made in accordance
with the
state of the electronic commitment payment certificate information, that is,
the payment
request only freezes the balance of the credit overdraft limit, credit loan
limit and funds
balance, transferring and deducting the credit limit after confirming receipt.
[50] 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 Fund-Management server 30. The Fund-Management
server 30 can be a single or multiple servers in a physical sense, e.g., they
can work in
parallel, and the resources of the server are automatically allocated to
realize the
Fund-Management according to the different traffic. The Funds-Management
server
includes but not limited to servers in organizations such as banks,
businesses, and so on.
In the practical applications, it can be understood as the same bank's cluster
Funds-Management server, but not limited to banks, but also the Internet to
support the
flow of funds in other institutions. 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.
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[51] Example 2
[52] As shown in Figure 2, an example of the present invention provides a
payment method
based on the same Funds-Management server for use in the Funds-Management
server,
which method comprises the steps of:
[53] S201, the Funds-Management server receives the payment request
information sent by
the client, wherein the payment request information includes at least the
payment
amount;
[54] Specifically, the payment request information received by the Funds-
Management
server includes merchant information, product information and payment amount,
and
may include merchant information (e.g., client ID). Among them, the merchant
information can be directly merchants receiving account number, you can also
uniquely
identify the merchant information (such as merchant ID), and find the
corresponding
bank account information by Fund-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 Fund-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 Fund-Management server to which merchant and which goods to pay
the
amount of funds, the Fund-Management server will be able to call out the
account of the
implementation of the corresponding payment operation.
[55] S202, comparing the sum of credit overdraft limit, credit loan limit
and funds balance to
determine whether an electronic commitment payment certificate can be
generated to
make a credit commitment payment, if so, then enter into the payment process,
otherwise terminate the payment. It is understandable that the credit
overdraft limit is
usually deposited in a credit card, usually the credit loan limit matches
credit reporting
in this example.
[56] This step further includes: the Funds-Management server check the
credit overdraft
limit, credit loan limit and funds balance in the client from the database;
determine
whether the sum of credit overdraft limit, credit loan limit and funds balance
is greater
than or equal to the amount of payment, if so, then allow the payment;
otherwise
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terminate the payment. Wherein the client's bank account and credit card
account can be
notified to the Funds-Management server by the client in the payment request,
or can be
queried from the database according to the client ID so that the credit
overdraft limit,
credit loan limit and funds balance of the account is obtained by the fund
management
server. Only the credit overdraft limit, credit loan limit and funds balance
in the client
account is greater than or equal to the payment amount, it means that
customers have the
ability to pay, then the payment is allowed. As a result, it can save the
payment cycle
and protect the interests of seller.
[57] S203, the Funds-Management server respectively freezing the payment
amount
corresponding to credit overdraft limit, credit loan limit and funds balance
in the client
account, making the total frozen amount is greater than or equal to the amount
of the
payment.
[58] This step only freezes the credit overdraft limit, credit loan limit
and funds balance to
ensure that the sum of the total account is greater than or equal to the
amount of the
payment amount; make sure there is sufficient funds to complete the
transaction, but not
directly transfers to the merchant account, and it ensures the interests of
the buyers and
the sellers, later, the client, the merchant or logistics company deliver the
payment
information to confirm the delivery is complete. After the Funds-Management
server
receives the payment information, deduct the credit loan limit or credit
overdraft limit
and release the related funds and transfer the funds to the merchant's
account.
[59] S204, the Funds-Management server generates an electronic commitment
payment the
certificate;
[60] Specifically, since the payment request information is sent by the
buyer to the
Funds-Management server through the merchant operation, the payment
information is
objectively confirmed by the customer and authorized by the bank. Funds-
Management
server respectively freezes the corresponding credit overdraft limit, credit
loan limit and
funds balance, and generates an electronic commitment payment certificate
based on the
payment information. The electronic commitment payment certificate information
includes but not limited to product information, payment amount (frozen funds
or credit
loan 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
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the receiving end of the merchant, and the merchant provides the corresponding
goods /
service according to the electronic commitment payment certificate.
[61] S105, deliver the electronic commitment payment certificate to the
client for the client
and synchronized it to the information centre server.
[62] Specifically, this step sends the generated electronic certificate
information to the
information centre server so that the information centre server performs
subsequent
tracking.
[63] The payment method based on the frozen credit overdraft limit, credit
loan limit and
funds balance provided by the example in the present invention receives the
payment
request information of the client through the Funds-Management server, based
on the
sum of credit overdraft limit, credit loan limit and funds balance of the
buyer to
determine whether to pay or not, and by freezing the credit overdraft limit,
credit loan
limit and funds balance in the client account, and generating electronic
commitment
payment certificate and synchronize to the information centre for conducting
real-time
monitoring, which can reduce the risk of funds to protect the interests of the
buyers and
the sellers.
[64] Example 3
[65] As shown in Figure 3, the payment method of credit overdraft limit,
credit loan limit
and funds balance provided of the example in this invention were applied in
the
payment system of same Funds-Management servers as shown in Figure 1, which
including the following steps:
[66] 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.
[67] 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
Date Recue/Date Received 2022-09-28
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.
[68] The way the client sends payment request information to the Funds-
Management server
can be done in the existing way, such as using a digital signature or a
digital envelope. A
digital signature is a data that the user encrypts a hash of the original data
with his own
private key. The information recipient obtains the hash digest by decrypting
the digital
signature attached to the original information using the public key of the
sender of the
information and confirms whether the original information is made by comparing
with
the hash digest generated by the original data received by the information
recipient
Tampered with. This ensures that the data transmission is undeniable. Digital
envelopes
use password technology to ensure that only the recipient of the specified
information
can read the contents of the information. Digital envelopes used in a single-
key
password system and public key password system. The information sender first
encrypts
the information with the randomly generated symmetric password, and then
encrypts the
symmetric password with the public key of the receiver. The symmetric password
encrypted by the public key is called the digital envelope. In the
transmission of
information, the information receiver shall decrypt the information, you must
first use
their own private key to decrypt the digital envelope, get a symmetric
password, in order
to use the symmetric password to decrypt the information obtained. This
ensures the
authenticity and integrity of the data transmission.
[69] S203, inquiring the sum of the credit overdraft limit, credit loan
limit and funds balance,
and comparing the sum of the credit overdraft limit, credit loan limit and
funds balance
with the payment amount, if the sum is greater than or equal to the amount, it
indicates
sufficient; if the sum is less than the amount, it indicates insufficient.
When credit
overdraft limit, credit loan limit and funds balance is sufficient, the step
S303 will be
executed, otherwise not to pay;
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[70] S303, the Funds-Management server respectively freeze the credit
overdraft limit and
credit loan limit corresponding to the payment amount in the client account;
it is
understandable that the freezing the amount of the credit overdraft limit and
credit loan
limit corresponding to the payment amount of funds balance including the
following
circumstances:
[71] 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.
[72] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or
equal to the payment amount.
[73] 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.
[74] 4. Respectively, to freeze the balance of funds and credit overdraft
limit of the client's
account, making the total amount of frozen greater than or equal to the amount
of the
payment.
[75] 5. Respectively, to freeze part of the balance of funds and credit
loan limit of the client's
account, making the total amount of frozen greater than or equal to the amount
of the
payment.
[76] 6. Respectively, to freeze part of the credit loan limit and credit
overdraft limit of the
client's account, making the total amount of frozen greater than or equal to
the amount
of the payment.
[77] 7. Freezing the part of the credit overdraft limit and credit loan
limit in the client's
account respectively, making the total frozen amount is greater than or equal
to the
payment amount.
[78] S304, the Funds-Management server generates an electronic commitment
payment the
certificate;
[79] S305, sending the electronic commitment payment certificate
information to the
merchant and the information centre server;
[80] S306, the merchant sends the receiving and receiving information to
the
Funds-Management server;
[81] It is to be noted that in Step S210, the merchant sends and receives
the payment
information to the Funds-Management server as an example. In practice, it is
also
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possible for the client, the logistics server, or other entity that can know
the delivery
status to send the payment information to the Funds-Management server.
[82] S307, the Funds-Management server synchronizes the payment information
to the
information centre server.
[83] 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.
[84] S308, the funds corresponding to the freezing amount are allocated to
the account of the
merchant. It is understand that there will be a matching allocation plan
according to the
different frozen method in step S303, which will allocate the corresponding
funds to the
account of the merchant.
[85] S309, end the process.
[86] The payment method based on the payment method provided by the example
in the
present invention receives the payment request information of the client
through the
Funds-Management server, based on the credit overdraft limit, credit loan
limit and
funds balance of the buyer to determine whether to pay or not, and by freezing
the credit
overdraft limit, credit loan limit and funds balance in the client account so
that the total
frozen amount is greater than or equal to the payment amount, and generating
electronic
commitment payment certificate and synchronize to the information centre for
conducting real-time monitoring, which can reduce the risk of funds to protect
the
interests of the buyers and the sellers.
[87] Example 4
[88] 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:
[89] The receiving module 301 is configured to receive payment request
information
transmitted by the merchant, wherein the payment request information includes
a
payment amount.
[90] Specifically, the payment request information received by the
receiving module 301
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includes merchant information, product information and payment amount, and may
include merchant information (for an example, client ID). Among them, the
merchant
information can be merchants receiving account, and the merchant information
can also
be uniquely identified (such as business ID). In the particular application,
the account
information of the merchant should be kept confidential from the client, so
the merchant
information should be the merchant ID, that is, the client simply informs
which
merchandise of which merchant is paid by how much, then the device call out of
the
merchant account number to implement the corresponding payment operation.
[91] The judgement module 302 is configured to determine whether or not to
allow payment
based on the credit overdraft balance, credit loan limit and funds balance and
the
payment amount.
[92] As a preferred scheme, the judgement module 302 is specifically
configured to inquiry
the client's credit overdraft limit, credit loan limit and funds balance; and
determined
whether the credit overdraft limit, credit loan limit and funds balance of the
client
account are greater than or equal to the payment amount, if possible, it is
allowed to pay.
In this way, in order to determine the sum of credit overdraft limit, credit
loan limit and
funds balance of the payment capacity, using the payment method of credit
overdraft
limit, credit loan limit and funds balance in advance, it 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 credit overdraft limit, credit loan limit and funds
balance of the
account. Only credit overdraft limit, credit loan limit and funds balance in
the client are
more than or equal the payment amount, it shows that the client has the
ability to pay,
and then the payment behaviour is allowed.
[93] When the processing module 303 is configured to allow paying, freeze
the credit
overdrafts limit, credit loan limit and funds balance in the client account
respectively so
that the total amount of frozen is greater than or equal to the payment
amount;
generating an electronic commitment payment certificate, and deliver it to the
merchant,
and synchronize the electronic it to the information centre server.
[94] Preferably, the processing module 303 further includes a freeze unit
3031, a certificate
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generation unit 3032, and a synchronization unit 3033, wherein:
[95] The freezing unit 3031 is configured to freeze 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;
[96] The credential generation unit 3032 is configured to generate an
electronic commitment
payment certificate;
[97] The synchronization unit 3033 is configured to transmit the electronic
commitment
payment certificate information to the merchant.
[98] 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.
[99] It is important to note that the technical features of the above-
described Examples 2 and
3 are applicable in the present apparatus and are not repeated here.
[100] In addition, the present invention also provides a Funds-Management
server including
the payment device in the fourth embodiment, which is not repeated here.
[101] The payment device and server based on the payment method provided by
the example
in the present invention receives the payment request information of the
client, based on
the credit overdraft limit, credit loan limit and funds balance of the buyer
to determine
whether to pay or not, and by freezing the credit overdraft limit, credit loan
limit and
funds balance in the client account so that the total frozen amount is greater
than or
equal to the payment amount, and generating electronic commitment payment
certificate
and synchronize to the information centre for conducting real-time monitoring,
which
can reduce the risk of funds to protect the interests of the buyers and the
sellers.
[102] Example 5
[103] As shown in Figure 5, 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:
[104] The information centre server 50 is used to store and supervise the
electronic
commitment payment certificate information.
[105] The merchant 10 includes a payment request module 101 configured to send
payment
Date Recue/Date Received 2022-09-28
request information to the Funds-Management server 30, wherein the payment
request
information includes merchant and merchandise information, and payment amount.
[106] 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.
[107] The Funds-Management server 30 includes a receiving module 301, a
judgement
module 302, and a processing module 303, wherein:
[108] The receiving module 301 is configured to receive payment request
information
transmitted by the merchant;
[109] The judgement module 302 is configured to compare the credit overdraft
balance, credit
loan limit and funds balance and the payment amount in the client amount,
determining
whether the electronic commitment payment certificate is generated.
[110] The processing module 303 is configured to freeze the limit
corresponding to the
payment amount in the client account when payment is allowed, and generate an
electronic commitment payment certificate to deliver the electronic commitment
payment certificate information to the merchant, and synchronized to the
information
centre server.
[111] 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.
[112] Specifically, since the payment request information is sent by the buyer
to the
Funds-Management server 30 through the merchant 10, the payment information is
objectively obtained by the merchant 10 confirming and authorizing the bank to
pay.
The Funds-Management server 30 respectively freezes the corresponding funds
balance,
credit overdraft limit and credit loan limit, and generates an electronic
commitment
payment certificate based on the payment information. The electronic
commitment
payment certificate information includes but not limited to product
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
16
Date Recue/Date Received 2022-09-28
the Merchant 20 provides the corresponding merchandise/service based on the
electronic commitment payment certificate.
[113] 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.
[114] 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 said procedure can be stored in a readable storage media of a computer
such as
ROM/RAM, disk and light disk.
[115] 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.
17
Date Recue/Date Received 2022-09-28
