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 server-based
payment system and its method, device and server.
Background Technology
[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:
1
Date Recue/Date Received 2022-09-28
[0006] A payment system based on a cross Funds-Management server comprising at
least one
client, at least one merchant, information centre and client connected to the
second Funds-
Management server and the first Funds-Management server connected to the
merchant, and the
first Funds-Management server and second Funds-Management server respectively
connected
with the information centre server, 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 second Funds-Management server;
comparing the sum of
the request information of the client and the funds balance with the payment
amount to determine
whether an electronic commitment payment certificate can be created ; 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 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
to the information
centre server;
[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 the present invention, there is a
payment method based on
a cross Funds-Management server, the method comprises the steps of:
[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;
2
Date Recue/Date Received 2022-09-28
[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;
[0015] 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 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
to the information centre server.
[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] The receiving module is configured to receive payment request
information delivered by
the terminal which is connected to 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
certificate, and deliver it to the merchant connected to the first Funds-
Management server, and
synchronize the electronic commitment payment certificate to the information
centre server.
[0020] A server based on the cross Funds-Management server, which comprising a
payment
device according to any one of above claim.
[0021] The present invention provides a payment system based on different
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
3
Date Recue/Date Received 2022-09-28
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.
Brief Description of the Drawings
[0022] Figure 1 is a schematic diagram of the payment system based on the
cross Funds-
Management server provided by the Example of the present invention;
[0023] Figure 2 is a flow chart of the payment method based on the cross Funds-
Management
server provided by Example 2 of the present invention;
[0024] Figure 3 is a flow chart of the payment method based on the cross Funds-
Management
server provided by Example 3 of the present invention;
[0025] Figure 4 is a block diagram of a payment device based on the cross
Funds-Management
server provided by the Example 4 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 Example 5 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,
information centre 50 and first Funds-Management 30 and second Funds-
Management 40 which
is interconnected with each other, wherein:
4
Date Recue/Date Received 2022-09-28
[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
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 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
Date Recue/Date Received 2022-09-28
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
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 second 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 second Funds-Management server 40 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:
6
Date Recue/Date Received 2022-09-28
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 to freeze the amount of credit overdraft, so that the total amount
of frozen greater than
or equal to the amount of the payment.
3. Respectively, to freeze the balance of funds of the client account and
credit overdraft limit, so
that the total amount of frozen greater than or equal to the amount of the
payment.
[0037] The information centre server 50 is respectively connected to the Funds-
Management
server 30 and second Funds-Management server 40 for storing and supervising
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.
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 Funds-
Management. The second
Funds-Management server 40 and the first Funds-Management server 30 includes
but is not limited
to servers in institutions such as banks, businesses, and so on. In the
practical applications, it can
be understood as the same bank's cluster Funds-Management server, but not
limited to banks, but
also the Internet to support the flow of funds in other institutions. 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
7
Date Recue/Date Received 2022-09-28
[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,
which method
comprises the following steps:
[0042] S201, the client transmits the payment request information to the
second Funds-
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, 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.
[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.
8
Date Recue/Date Received 2022-09-28
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.
3.
Respectively, to freeze the balance of funds of the client account and credit
overdraft limit, so
that 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 merchant and synchronizes to the information centre and 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 and synchronizes
it to the information centre 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
9
Date Recue/Date Received 2022-09-28
[0055] 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:
[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
Date Recue/Date Received 2022-09-28
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.
[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;
11
Date Recue/Date Received 2022-09-28
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, 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.
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.
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.
7. Respectively, to freeze part of the credit loan limit and credit
overdraft limit of the client's
account, 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;
[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
12
Date Recue/Date Received 2022-09-28
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 delivers the electronic
payment certificate to
the merchant and synchronizes to the information centre and 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; In
addition, by increasing the
information centre can keep Buyers and sellers' electronic commitment
certificate to track
synchronization, the flow of commodity and the flow of funds trajectory can be
effective combined
to protect the interests of both buyers and sellers effectively.
[0074] Example 4
[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:
13
Date Recue/Date Received 2022-09-28
[0076] The receiving module 301 is configured to receive payment request
information delivered
by the first Funds-Management server, wherein the payment request information
includes a
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, 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.
[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 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
14
Date Recue/Date Received 2022-09-28
institutions with credit ability to pay the business. When using a Funds-
Management server to
obtain a bank account or credit card account based on the Funds-Management
server, a customer
may have multiple accounts, and a mixed payment method may also be used. For
example, when
the price of a commodity selected by the customer is 1,500 Yuan (the payment
amount), the sum
of the 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 configured to freeze the balance of funds,
the credit overdrafts
limit and credit loan limit 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 certificate, and deliver it to the merchant connected to
the second Funds-
Management server, and synchronize the electronic commitment payment
certificate to the
information centre server.
[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 transfer unit,
configured to receive
the payment information, synchronize the payment information to the
information centre server,
and allocate the corresponding frozen funds to the merchant account in the
Funds-Management
server.
[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.
[0088] In addition, the present invention also provides a Funds-Management
server including the
payment device in the fourth example, which is not repeated here.
Date Recue/Date Received 2022-09-28
[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 and synchronize the it to the information
centre server 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 payment method provided by the
example of the present
invention based on a cross Funds-Management server, which includes client 10,
the second Funds-
Management server 40 connected to merchant 20 and client 10, merchant 20
connected to the
Funds-Management server 30, and the information centre 50 connected to the
first Funds-
Management server 30 and second Funds-Management server 40 respectively. 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 delivered
by the client connected to second Funds-Management server 40;
[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 whether
the funds balance and the credit overdraft limit of the client account is
greater than or equal to the
16
Date Recue/Date Received 2022-09-28
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 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 30 connected to the first Funds-Management server 30, and
synchronized 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, synchronizes the payment information to
the information
centre server 50, which is configured to transfer equal funds to the account
of the merchant 20
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 commitment payment 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] 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.
[0103] 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
17
Date Recue/Date Received 2022-09-28
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.
18
Date Recue/Date Received 2022-09-28
