Note: Descriptions are shown in the official language in which they were submitted.
Title: CROSS-FUNDS MANAGEMENT SERVER-BASED PAYMENT SYSTEM, AND
METHOD, DEVICE AND SERVER THEREFOR
[1] [Technical Field]
[2] This invention involves e-commerce field, especially, 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, new payment systems,
methods,
devices and servers at this stage are needed 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 a
cross
Funds-Management server to reduce the risk of user funds, and to protect the
interests of
buyers and sellers.
[8] The technical solution of the present invention to solve the above-
mentioned technical
problems is as follows:
[9] A payment system based on a cross Funds-Management server including at
least one
Date Recue/Date Received 2022-09-28
first terminal, one second terminal, and an information centre server; a
second
Funds-Management server connected to the first terminal, and the first
Funds-Management server connected to the second terminal, the first
Funds-Management server and the second Funds-Management server are both
connected to the information centre server, wherein:
[10] The said client for sending payment request information including at
least the payment
amount to the said second Funds-Management server;
[11] The said Merchant for receiving the electronic commitment payment
certificate sent by
the second Funds-Management server;
[12] The second Funds-Management server is used for receiving payment
request
information sent by the client; comparing the sum of the credit loan limit and
overdraft
limit with payment amount to determine whether an electronic commitment
payment
certificate can be created; if yes, the Funds-Management server respectively
freezes the
credit loan limit and overdraft limit within client account, making the frozen
amount are
greater or equal to the payment amount; generating the electronic commitment
payment
certificate for the Funds-Management server to commit payment according to an
agreed
condition, and sending the electronic commitment payment certificate to
merchant to
make a credit commitment payment on behalf of the client.
[13] 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;
[14] The information centre server for storing and supervising the
electronic commitment
payment certificate information.
[15] According to another aspect of the present invention, there is a
network payment
method based on a cross Funds-Management server, the method comprises the
steps of:
[16] 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;
[17] Compare the sum of the credit loan limit and overdraft limit with the
payment amount to
determine whether or not an electronic commitment payment certificate is to
commit
Date Recue/Date Received 2022-09-28
payment;
[18] If yes, the Funds-Management server respectively freezes the credit
loan limit and
overdraft limit within client account, making the frozen amount are greater or
equal to
the payment amount; generating the electronic commitment payment certificate
for the
Funds-Management server to commit payment according to an agreed condition,
and
sending the electronic commitment payment certificate to merchant to make a
credit
commitment payment on behalf of the client and synchronizing the electronic
commitment payment certificate information to the information centre server.
[19] 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.
[20] 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;
[21] A judgement module is configured to compare the sum of the credit loan
limit and
overdraft limit with the payment amount to determine whether an electronic
commitment payment certificate can be created;
[22] The processing module is configured to respectively freeze the credit
loan limit and
overdraft limit within client account, making the frozen amount are greater or
equal to
the payment amount; generate the electronic commitment payment certificate,
and send
the electronic commitment payment certificate to merchant connected to the
first
Funds-Management server, and synchronize to the information centre server.
[23] A server based on the same Funds-Management server, the said server
includes every
payment device described in any of the above claim.
[24] 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 credit overdraft
limit and
credit loan limit, 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
Date Recue/Date Received 2022-09-28
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.
[25] [Brief Description]
[26] 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;
[27] 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;
[28] 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;
[29] 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;
[30] 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.
[31] [Description of the Preferred Examples]
[32] The present invention will be described in further detail with
reference to the
accompanying drawings and the accompanying example, in which the technical
problems, technical solutions and advantages to be solved by the present
invention will
become more apparent. It is to be understood that the specific examples
described herein
are merely illustrative of the invention and are not intended to limit the
invention.
[33] Example 1
[34] As shown in Figure 1, an example of the present invention provides a
cross
funds-Management server payment system comprising at least one client 10, at
least one
merchant 20, and interconnected the first fund server 30 and the second
Funds-Management server 40, wherein:
[35] 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
Date Recue/Date Received 2022-09-28
40, and the payment request information includes the payment amount.
[36] Specifically, the client 10 is suitable for the payer (buyer),
including the account
information of mobile phone, personal computer, PAD, and other intelligent
devices, the
account information of the client 10 is filled in when the customer registers
and stored
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 will be able to call out the Merchant account to
implement
the appropriate payment operation.
[37] 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.
[38] 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.
Date Recue/Date Received 2022-09-28
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 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.
[39] The second Funds-Management server 40 is used for receiving payment
request
information sent by a client 10; comparing the sum of the credit loan limit
and overdraft
limit of the client 10 with a payment amount to determine whether an
electronic
commitment payment certificate can be created; if yes, respectively freeze the
credit
loan limit and overdraft limit within client account according to the payment
amount;
generating the electronic commitment payment certificate for the second
Funds-Management server 40 according to the agreed condition, and sending the
electronic commitment payment certificate to merchant 20, and synchronizing to
the
information centre server.
[40] 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 sum of the credit loan limit
and
overdraft limit in the client account is sufficient for the current
settlement, if it is
insufficient, the payment is terminated, and if sufficient, respectively
freeze the credit
loan limit and overdraft limit within client account, making the frozen amount
are
greater or equal to the payment amount, until the merchant confirms the
delivery or the
customer confirms the receipt, carry out transfer operation and complete the
deal.
[41] It is understandable that respectively freezing the credit loan limit
and overdraft limit
corresponding to payment amount included the following cases:
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[42] 1. Only freeze the amount of credit overdraft, so that the total
frozen amount is greater
than or equal to the amount of the payment.
[43] 2. Only the credit loan limit is frozen so that the total frozen
amount is greater than or
equal to the payment amount.
[44] 3. Respectively freeze part of the credit loan limit and credit
overdraft limit in client
account, making the total frozen amount greater than or equal to the amount of
the
payment.
[45] 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.
[46] 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 payment certificate information, that
is, the
payment request is only freezing the credit loan limit and overdraft limit,
transferring
and deducting credit overdraft limit are conducted after confirming receipt.
[47] 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
Date Recue/Date Received 2022-09-28
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.
[48] Example 2
[49] 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:
[50] S201, the client transmits the payment request information to the
second
Funds-Management server, and the payment request information includes the
payment
amount.
[51] 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.
[52] S202, the second Funds-Management server receives the client to send
the payment
request information;
[53] S203, inquiries the sum of the credit loan limit and overdraft limit,
comparing the sum
of the credit loan limit and overdraft limit 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 credit loan limit and overdraft limit is sufficient,
execute the
Date Recue/Date Received 2022-09-28
Step S204, otherwise terminate, not to pay;
[54] S204, the second Funds-Management server freezes the credit loan limit
and overdraft
limit corresponding to the payment amount; it is understand that freezing the
credit loan
limit and overdraft limit corresponding to the payment amount includes the
following
circumstances:
[55] 1. 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.
[56] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or
equal to the payment amount.
[57] 3. Respectively freeze part of the credit loan limit and credit
overdraft limit of the client
account, making the total frozen amount greater than or equal to the amount of
the
payment.
[58] 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;
[59] 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.
[60] S206, the second Funds-Management server sends the electronic payment
certificate to
the merchant, 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.
[61] S207, the second Funds-Management server receives the payment
information;
[62] S208, the second Funds-Management server allocates the funds
corresponding to the
freezing amount to the first Funds-Management server;
Date Recue/Date Received 2022-09-28
[63] S209, the first Funds-Management server transfers the received payment
amount to the
account of the Merchant.
[64] The payment method provided by the example of the present invention,
through
receiving the payment request information of the client via the second
Funds-Management server, determining whether the payment is permitted based on
the
sum of the credit loan limit and overdraft limit of the client, and freezing
the credit loan
limit and overdraft limit of the client account, generating electronic
commitment
payment certificate to synchronize to the information centre server for real-
time
supervision, reduces the risk of funds and protects the interests of the
buyers and the
sellers.
[65] Example 3
[66] As shown in Figure 3, an example of the present invention provides a
payment method
of the credit overdraft and loan limit, which is applied in the payment system
of the
same Funds-Management server in Figure 1, and comprises the following steps:
[67] 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.
[68] 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
merchant, 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.
Date Recue/Date Received 2022-09-28
[69] 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 to use the symmetric password to decrypt the information
obtained.
This ensures the authenticity and integrity of the data transmission.
[70] S302, the Funds-Management server receives the payment request
information sent by
the client.
[71] 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
Date Recue/Date Received 2022-09-28
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.
[72] S303, inquiries the sum of the credit loan limit and overdraft limit,
comparing the sum
of the credit loan limit and overdraft limit 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 credit loan limit and overdraft limit is sufficient,
execute Step
S305, or execute step s304;
[73] S304, ask the client whether to use the funds balance; if it needs to
use the funds
balance, then implement step S305, otherwise end the process;
[74] S305, judges whether the funds balance is sufficient; the sufficiency
can be understood
in several cases:
[75] 1. If the sum of the credit loan limit and overdraft limit and part of
the funds balance in
the client account is greater than or equal to the amount of the payment, then
the funds
are considered sufficient, and conversely, insufficient;
[76] 2. When the funds balance is greater than or equal to the amount of
the payment, it is
considered that the funds is sufficient, and conversely, it is not sufficient.
[77] Specifically, the funds amount for using can be the amount specified
by the client, or it
is default to the amount of the current payment lacked. For example, when the
price of a
product selected by the customer is 1,500 Yuan (payment amount), if in the
customer
end account funds the credit loan limit and overdraft limit is only 900 Yuan,
then funds
balance of 600 Yuan is needed in order to meet the allowable payment standard
to
commit the payment. Of course, the using of another way, such as directly
using funds
balance of 1,500 Yuan to pay, is also feasible.
[78] S306, the second Funds-Management server freeze the credit loan limit
and overdraft
limit respectively, so that the total frozen amount are greater than or equal
to the amount
of the payment, and it can be specifically divided into the following forms:
[79] 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.
[80] 2. Only the credit loan limit is frozen so that the total amount of
the greater than or
Date Recue/Date Received 2022-09-28
equal to the payment amount.
[81] 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.
[82] 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.
[83] 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.
[84] 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.
[85] 7. Respectively freeze part of the credit loan limit and credit
overdraft limit, as well as
the funds balance, making the total amount frozen greater than or equal to the
amount of
the payment.
[86] S307, the second Funds-Management server generates the electronic
commitment
payment certificate according to the payment request information and the
freezing
information;
[87] 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, or
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.
[88] 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.
Date Recue/Date Received 2022-09-28
[89] 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.
[90] 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.
[91] S311, the first Funds-Management server transfers the received payment
amount to the
account of the Merchant
[92] Finally, the process is ended.
[93] 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 overdraft
limit
function; in addition, by adding to information centre server of tracking
synchronously
both buyers and sellers' electronic commitment certificate, the flow of goods
and the
flow of funds trajectory can be effectively combined, so it can protect the
interests of
both buyers and sellers effectively.
[94] Example 4
[95] 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:
[96] A receiving module 301 is 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;
[97] 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
Date Recue/Date Received 2022-09-28
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.
[98] The judgement module 302 is configured to determine whether or not a
payment is
permitted based on the credit loan limit and overdraft limit;
[99] As a preferred scheme, the judgement module 302 is specifically
configured to inquiry
in the client account funds the credit loan limit and overdraft limit; and
determine
whether the funds balance and the credit overdraft limit of the credit loan
limit and
overdraft limit in the client account are greater than or equal to the payment
amount, if
yes, it is allowed to pay. In this way, first, determine the payment ability
of the sum of
the credit loan limit and overdraft limit, and preferentially use the credit
loan limit and
overdraft limit, which can save the payment cycle to protect the interests of
merchants.
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
loan limit and
overdraft limit. Only when the credit loan limit and overdraft limit in the
client are more
than or equal to the payment amount, the client has the ability to pay, and
until now the
payment behaviour is allowed to conduct.
[100] As another preferred example, the judgement module 302 is also
configured to ask the
client whether funds balance is needed when the sum of the credit loan limit
and
overdraft limit is less than the payment amount; if it needs, then the
application of funds
balance is issued to allow the payment; if not, 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 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 credit loan limit and 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 funds balance of 600 Yuan,
so by
Date Recue/Date Received 2022-09-28
applying the use of funds balance of 600 Yuan, then they have 1,500 Yuan for
using,
payment behaviour can be implemented.
[101] The processing module 303 is configured to freeze the credit loan limit
and overdraft
limit and funds balance in the client account respectively when the payment is
allowed,
making the total amount frozen are greater than or equal to the payment
amount;
generating the electronic commitment payment certificate, send the electronic
commitment payment certificate message to the merchant connected to the first
Funds-Management server, and synchronize to the information centre server.
[102] Preferably, the processing module 303 further includes a freeze unit
3031, a certificate
generation unit 3032, and a synchronization unit 3033, wherein:
[103] The freezing unit 3031 is configured to freeze the credit loan limit and
overdraft limit
and funds balance in the client account respectively when the payment is
allowed,
making the total amount frozen are greater than or equal to the payment
amount;
[104] The credential generation unit 3032 is configured to generate an
electronic commitment
payment certificate;
[105] The synchronization unit 3033 is configured to transmit the electronic
commitment
payment certificate information to the merchant.
[106] In addition, the processing module 303 may include a transferring unit
which is
configured to receive the payment information, synchronize the payment
information to
the information centre server, and allocate the corresponding frozen funds to
the account
of the merchant.
[107] 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.
[108] In addition, the present invention also provides a Funds-Management
server including
the payment device in the fourth embodiment, which is not repeated here.
[109] The payment method provided by the example of the present invention,
through
receiving the payment request information of the client via the second
Funds-Management server, determining whether the payment is permitted based on
the
sum of the credit loan limit and overdraft limit of the client, and freezing
the credit loan
limit and overdraft limit of the client account, generating electronic
commitment
payment certificate to synchronize to the information centre server for real-
time
Date Recue/Date Received 2022-09-28
supervision, reduces the risk of funds and protects 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.
[110] Example 5
[111] As shown in Figure 5, a preferred example of the present invention
provides a payment
system based on cross Funds-Management server, which includes at least one
client 10,
at least one merchant 20, and one second Funds-Management server 40 connected
to
client 10 and one first Funds-Management server 30 connected with the
information
centre 50, wherein:
[112] The information centre server 50 is used to store and supervise the
electronic
commitment payment certificate information.
[113] 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.
[114] 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.
[115] The second Funds-Management server 40 includes a receiving module 301, a
judgement
module 302, and a processing module 303, wherein:
[116] The receiving module 301 is configured to receive payment request
information
transmitted by the client connected to Funds-Management server 40;
[117] The judgement module 302 is configured to compare the sum of the credit
loan limit
and overdraft limit within client account with the payment amount to determine
whether
the electronic commitment payment certificate can be issued;
[118] As a preferred example, the judgement module 302 is configured to
determine whether
the credit loan limit and overdraft limit within client account in the client
account is
greater than or equal to the amount of the payment, and if so, the payment is
allowed; or
to further determine whether the funds balance is greater than or equal to the
payment
amount, if so, allow to pay.
[119] The processing module 303 is configured to freeze the funds amount
corresponding to
Date Recue/Date Received 2022-09-28
the payment amount in the client account when the payment is allowed, and
generate the
electronic commitment payment certificate, and transmit the electronic
commitment
payment certificate information to the merchant 20 connected to the first
Funds-Management server 30 and synchronize to the information centre server
50.
[120] 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.
[121] 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 the
credit
loan limit and 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, and the form is not limited to text, pictures, graphics and
so on. The
electronic certificate is the certificate for Merchant 20 to receive funds,
and the
Merchant 20 provides the corresponding merchandise/service based on the
electronic
commitment payment certificate.
[122] 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.
[123] 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.
Date Recue/Date Received 2022-09-28
