Note : Les descriptions sont présentées dans la langue officielle dans laquelle elles ont été soumises.
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Title: PAYMENT SYSTEM BASED ON DIFFERENT FUNDS-MANAGEMENT SERVERS,
AND PAYMENT METHOD, DEVICE AND SERVER THEREFOR
[1] [Technical Field]
[2] This invention refers to e-commerce field, especially, it is a cross-
funds server-based
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. This shows that at this stage the need for new
payment systems,
methods, devices and money management server to reduce the risk of user funds,
and to
protect the interests of buyers and sellers.
[6] [Invention contents]
[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
different
Funds-Management servers 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 different funds servers includes at least one
first terminal, at
least one second terminal, information centre server, the second Funds-
Management server
connected to the first terminal, and the first Funds-Management server
connected to the
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second terminal. The first Funds-Management server and the second Funds-
Management
server are connected with the information centre server, wherein:
[10] The said first terminal for delivering payment request information
including at least a
payment amount to the said second Funds-Management server;
[11] The said second terminal for receiving a payment certificate of
electronic commitment
delivered by said first Funds-Management server;
[12] The second Funds-Management server is used for receiving payment
request information
sent by the first terminal, comparing the first terminal account's credit
overdraft limit with
the payment amount to determine whether an electronic commitment payment
certificate
can be created; if yes, the second Funds-Management server freezes
corresponding amount
of the credit overdraft limit equal to the payment amount within the first
terminal account,
then generating the electronic commitment payment certificate for the Funds-
Management
server according to an agreed condition, and sending the electronic commitment
payment
certificate to a second terminal to make a credit commitment payment on behalf
of the first
terminal.
[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 electronic payment document information based on the
electronic
payment document information in the account of the second terminal.
[14] The information centre server for storing and supervising the
electronic commitment
payment certificate information.
[15] A network payment method based on the different funds servers is
comprised of the
following steps:
[16] The second Funds-Management server receives the payment request
information sent by
the first terminal, wherein the payment request information includes at least
the payment
amount;
[17] By comparing the first terminal account credit overdraft amount and
the payment amount
to determine whether or not an electronic commitment payment voucher is to be
paid;
[18] If possible, the second Funds-Management server freezing the funds
corresponding to the
payment amount in the first terminal account; generating an electronic
commitment
payment certificate promised by the second Funds-Management server to disburse
the
funds according to the agreed condition. The electronic commitment payment
certificate
information is sent to the second terminal for credit commitment payment for
the first
terminal, and the electronic commitment payment certificate shall be
synchronized to the
information centre server.
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[19] A payment device based on a different funds server, said device
including 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, wherein the payment request information includes a payment
amount;
[21] A judgement module configured to determine whether or not to allow a
credit commitment
payment based on the first terminal account credit overdraft limit and the
payment amount;
[22] The processing module is configured to freeze the corresponding credit
overdraft amount
corresponding to the payment amount within the first terminal account when
payment is
allowed, generate an electronic commitment payment certificate, and transmit
the
electronic commitment payment certificate information to the second terminal.
[23] 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 first Funds-Management server and the second Funds-
Management
server, and the regulatory function is merged into the bank or other which can
reduce the
risk of funds and protect the interests of buyers and sellers; this program
makes full use of
the centre function of risks control of credit centre of the first Funds-
Management server
and the second fund Funds-Management server, to promote online transaction and
protect
the security of online transaction to provide a credit medium for both the
transaction
parties, and also to reduce the risk of funds to protect the interests of both
parties through
the supervision of funds. 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.
[24] [Brief Description]
[25] Figure 1 is a schematic diagram of the payment system based on the
different
Funds-Management server provided by an example of the present invention;
[26] Figure 2 is a flow chart of the payment method based on a different
Funds-Management
server provided by an example of the present invention;
[27] Figure 3 is a flow chart of the payment method based on a different
Funds-Management
server provided by an example of the present invention;
[28] Figure 4 is a flow chart of the payment method based on a different
Funds-Management
server provided by an example of the present invention;
[29] Figure 5 is a flow chart of the payment method based on a different
Funds-Management
server provided by an example of the present invention;
[30] Figure 6 is a flow chart of the payment method based on a different
Funds-Management
server provided by an example of the present invention;
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[31] Figure 7 is a block diagram of a payment device based on a different
capital server
provided by an example of the present invention;
[32] Figure 8 is a block diagram of a payment system based on a different
capital server
provided by a preferred example of the present invention.
[33] [Specific Implement method]
[34] 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.
[35] Example 1
[36] As shown in Figure 1, an example of the present invention provides a
payment system
based on a different funds server, which includes at least one first terminal
10, at least one
second terminal 20, a connected first Funds-Management server 30, The second
Funds-Management server 40, the first Funds-Management server 30 and the
second
terminal 20 for operating the account of the second terminal 20, and the
second
Funds-Management server 40 is connected to the first terminal 10 for
connecting the first
terminal 10 of the account to operate, of which:
[37] The first terminal 10 is configured to transmit the payment request
information to the
second Funds-Management server 40, wherein the payment request information
includes
the payment amount.
[38] Specifically, the first terminal 10 is suitable for the payment party,
such as a terminal used
by a client, including mobile phone, personal computer, PAD, etc., the account
information
of the first terminal 10 is filled in when the customer registers and stored
in the database of
the fund management service 40, the account information of the first terminal
10 includes
client ID, an account opening bank, account name, a bank account number, a
credit
balance, and so on, and may also include the customer's shipping address. The
payment
request information is the information such as the price (payment amount), the
receipt
address and the like after the customer purchasing the specific goods /
services, and the
first terminal 10 according to the pre-set rule, transmits the packet to the
second
Funds-Management server 40 according to the price of the goods / services, the
goods /
services.
[39] A second Funds-Management server 40 for receiving the payment request
information
transmitted from the first terminal 10 and judging whether or not the account
is based on
the payment amount and the first terminal account credit overdraft amount, the
first
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terminal account fund balance and the first terminal account credit amount If
the result of
the judgement is a payment capacity, the amount corresponding to the payment
amount in
the credit amount of the first terminal account is frozen and the electronic
payment
certificate is generated based on the payment request information and the
freeze
information, and then the electronic payment certificate is delivered to the
two ends, and
synchronized to the first Funds-Management server.
[40] The second terminal 20 is configured to receive the electronic payment
certificate
information transmitted from the second Funds-Management server 40.
[41] Specifically, the second terminal 20 is adapted to the recipient
(merchant), and the second
terminal includes but is not limited to devices such as servers, POS machines
and so on.
Merchants include but not limited to manufacturers, agents, and logistics
companies. The
merchant information is also registered in the database of the first Funds-
Management
server 30 and (or) the information centre server 50, and the merchant
information includes,
but not limited to merchant ID, merchant name, merchant opening bank, merchant
account
name, and merchant bank account number.
[42] The first Funds-Management server 30 is configured to receive and
store the electronic
payment certificate information transmitted from the second Funds-Management
server 40
and to allocate the received payment amount to the account of the second
terminal based
on the electronic payment certificate.
[43] The information centre server 50 is configured to receive the
electronic payment certificate
information transmitted from the second Funds-Management server 40.
[44] Wherein, the electronic payment certificate information is the key
information in the
payment behaviour, it is copied via the information centre server 50, which is
convenient to
subsequent follow-up of the electronic payment certificate information, and
verifies
whether there is an exception in the payment behaviour.
[45] In the present example, more than one first terminals 10 are connected
to the second
Funds-Management server 40 via the Internet, and more than one secondary
terminals 20
are connected to the first Funds-Management server 30 via the Internet, that
is, the server
where the second terminal 20 are at and the server where the first terminal 10
are located
are both Funds-Management servers. The Funds-Management server 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 is not limited to
servers in
institutions such as banks, businesses, and so on. In practical applications,
it can be seen as
the same bank's cluster Funds-Management server, but it is not limited to
banks, it also
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supports the flow of funds in other institutions in the Internet. The
information of the first
Funds-Management server 30 and the secondary Funds-Management server 40 is
supervised, and the supervisory function is incorporated into a bank or other
third party
organization.
[46] Example 2
[47] As shown in Figure 2, an example of the present invention provides a
payment method
based on a different Funds-Management server for using in Funds-Management
server,
which includes steps:
[48] S201, the first terminal transmits the payment request information to
the second
Funds-Management server, and the payment request information includes the
payment
amount.
[49] Specifically, the payment request information received by the second
Funds-Management
server includes merchant information, product information and payment amount,
and may
include first terminal information such as a 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 second terminal should be kept confidential with respect to the first
terminal, so the
merchant information is preferably the merchant ID, and the second Funds-
Management
server inquires the merchant's receipt taking advantage of the corresponding
relationship
between the merchant ID and its receiving account. In other words, the first
terminal only
need to inform the second Funds-Management server to pay how much funds of
which
goods belongs to which merchant , the second Funds-Management server will be
able to
call out the merchant account to implement the appropriate payment operation.
[50] S202, the second Funds-Management server receives the first terminal
to deliver the
payment request information;
[51] S203, compare the first terminal account credit overdraft limit and
payment amount to
determine whether to generate electronic commitment payment certificate to pay
with it, if
allowed to pay, then enter S209, otherwise, to terminate the payment, the end
of the
process.
[52] S209, the second Funds-Management server freezes the first terminal
account credit
overdraft limit corresponding to the payment amount in the first terminal
account;
[53] This step only freezes the credit overdraft limit to ensure that there
is sufficient fund to
complete the transaction, but not directly allocates fund to the merchant
account, so that the
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interests of buyers and sellers are guaranteed. Latter, payment information is
sent by the
first terminal, the second terminal or the logistics company to confirm the
delivery is
completed, then after the second Funds-Management server receiving the payment
information, funds equal to the payment are allocated to the first fund
management server.
[54] S210, 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 second
terminal;
[55] Specifically, since the payment request information is sent by the
buyer to the
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized by the bank. The second
Funds-Management server freezes the corresponding amount of funds or credit
overdraft,
and generates an electronic commitment payment certificate based on the
payment
information, and the second terminal provides the corresponding merchandise /
service
according to the electronic commitment payment certificate.
[56] S211, the second Funds-Management server sends the electronic payment
certificate to the
second terminal and synchronizes to 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.
[57] S212, the second Funds-Management server receives the payment
information;
[58] S213, the secondary Funds-Management server transfers to the first
fund management
server;
[59] S214, the first Funds-Management server transfers the received payment
amount to the
account of the secondary terminal.
[60] The payment method provided by the example of the present invention
receives the
payment request information of the first terminal through the second Funds-
Management
server, determines whether or not the payment is permitted based on the first
terminal
account credit overdraft limit and the payment amount, and by freezing the
first terminal
account of the credit overdraft limit, and generates electronic commitment
payment
certificate, which can reduce the risk of funds to protect the interests of
buyers and sellers.
[61] Example 3
[62] As shown in Figure 3, an example of the present invention provides a
payment method
based on a different Funds-Management server for using in Funds-Management
server,
which includes steps:
[63] S201, the first terminal transmits the payment request information to
the second
Funds-Management server, and the payment request information includes the
payment
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amount.
[64] S202, the second Funds-Management server receives the first terminal
to send the payment
request information;
[65] Specifically, the payment request information received by the second
Funds-Management
server includes merchant information, product information and payment amount,
and may
include first terminal information such as a 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 second terminal should be kept confidential with respect to the first
terminal, so the
merchant information is preferably the merchant ID, and the second Funds-
Management
server inquires the merchant's receipt taking advantage of the corresponding
relationship
between the merchant ID and its receiving account. In other words, the first
terminal only
need to inform the second Funds-Management server to pay how much funds of
which
goods belongs to which merchant , the second Funds-Management server will be
able to
call out the merchant account to implement the appropriate payment operation.
[66] S203, compare the first terminal account credit loan limit and the
amount of payment to
determine whether to generate electronic commitment payment certificate to pay
with
credit commitment, if allowed, enter S209, otherwise enter S204.
[67] S204, compare the balance of the first terminal account and the amount
of payment to
determine whether to generate electronic commitment certificate to pay with
the credit
commitment, if allowed, enter S209, or end the process.
[68] Wherein the bank account of the first terminal can be informed to the
secondary
Funds-Management server by the first terminal in the payment request
information, or can
be queried from the database according to the first terminal ID by the
secondary fund
management server.
[69] S209, the seconds-Funds-Management server will freeze the balance of
the funds or credit
loan limit corresponding to the payment amount in the first terminal account;
[70] This step only to freeze the amount of payment or credit overdraft
limit to ensure that there
is sufficient funds to complete the transaction, but not directly to the
merchant account, so
that the interests of buyers and sellers can be protected, the following steps
can be
completed by the first terminal, the second terminal or the logistics company
delivering the
payment information to confirm the completion of the delivery. After the
Funds-Management server receives the payment information, allocates the
thawing funds
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or the same amount comparing with payment funds to the merchant account.
[71] S210, the second Funds-Management server generates the electronic
commitment payment
certificate according to the payment request information and the freezing
information;
[72] Specifically, since the payment request information is sent by the
buyer to the second
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized to the bank. The
secondary
Funds-Management server freezes the corresponding amount of money or credit
overdraft,
and generates an electronic commitment payment certificate based on the
payment
information, and the secondary terminal provides the corresponding merchandise
/ service
according to the electronic commitment payment certificate.
[73] S211, transmits the electronic payment certificate to the second
terminal, and synchronizes
to the first Funds-Management server.
[74] Specifically, this step sends the generated electronic certificate
information to the
information centre server so that the information centre server performs
subsequent
tracking.
[75] S212, the second Funds-Management server receives the payment
information;
[76] S213, the secondary Funds-Management server transfers to the first
fund management
server;
[77] S214, the first Funds-Management server will receive the payment
amount of money to the
second terminal account.
[78] The payment method provided by the example of the present invention
receives the
payment request information of the first terminal through the Funds-Management
server,
judges whether or not the payment is made based on the first terminal account
credit
overdraft limit or the fund balance of the buyer, and generates an electronic
commitment
payment certificate for real-time monitoring, which can reduce the risk of
funds and protect
the interests of the buyers and the sellers.
[79] Example 4
[80] As shown in Figure 4, an example of the present invention provides a
payment method
based on a different Funds-Management server for using in Funds-Management
server,
which includes steps:
[81] S201, the first terminal transmits the payment request information to
the second
Funds-Management server, and the payment request information includes the
payment
amount.
[82] S202, the second Funds-Management server receives the payment request
information sent
by the first terminal;
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[83] Specifically, the payment request information received by the Funds-
Management server
includes merchant information, merchandise information and payment amount, and
may
include first terminal information (e.g., client ID). Among them, the merchant
information
can be directly the merchant's receiving account, you can also uniquely
identify the
merchant information (for an example, merchant ID), by the Funds-Management
server
based 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 second terminal should be kept confidential with respect to
the first
terminal, so the merchant information is preferably the merchant ID, and the
Funds-Management server inquires the merchant's receivable account by using
the
correspondence relationship between the merchant ID and its receiving account.
In other
words, the first terminal only need to inform the Funds-Management server to
pay how
much funds of which goods belongs to which merchant, the Funds-Management
server
will be able to call out the merchant account to implement the appropriate
payment
operation.
[84] S203, compares the second Funds-Management server with the first
terminal account credit
loan limit and the payment amount to determine whether or not an electronic
commitment
payment certificate can be generated, and if allowed, the process proceeds to
S209,
otherwise the process proceeds to step S204.
[85] Wherein the bank account of the first terminal can be informed to the
Funds-Management
server by the first terminal in the payment request, or can be queried from
the database
according to the first terminal ID by the fund management server.
[86] S204, compares the second Funds-Management server with the account
credit loan limit
and the payment amount to determine whether or not an electronic commitment
payment
certificate can be generated, and if allowed, the process proceeds to S209,
otherwise end
the process.
[87] S209, the second Funds-Management server will freeze the balance of
the funds or credit
loan limit corresponding to the payment amount in the first terminal account;
[88] This step only to freeze the amount of funds or credit limit to ensure
that there is sufficient
funds to complete the transaction, but not directly to the merchant account,
so that the
interests of buyers and sellers can be protected, the following steps can be
completed by
the first terminal, the second terminal or the logistics company delivering
the payment
information to confirm the completion of the delivery. After the Funds-
Management server
receives the payment information, allocates the thawing funds to the merchant
account.
[89] S210, the second Funds-Management server generates the electronic
commitment payment
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certificate according to the payment request information and the freezing
information;
[90] Specifically, since the payment request information is sent by the
buyer to the second
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized to the bank. The
secondary
Funds-Management server freezes the corresponding credit amount and generates
an
electronic commitment payment certificate based on the payment information,
and the
secondary terminal provides the corresponding merchandise / service according
to the
electronic commitment payment certificate.
[91] S211, transmits the electronic payment certificate to the second
terminal, and synchronizes
to 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.
[92] S212, the second Funds-Management server receives the payment
information;
[93] S213, the secondary Funds-Management server transfers to the first
fund management
server;
[94] S214, the first Funds-Management server will receive the payment
amount of money to the
second terminal account.
[95] The payment method illustrated by the example of the present invention
can reduce the risk
of funds and protect the interests of buyers and sellers through the second
Funds-Management server receiving the payment request information of the first
terminal,
determining whether or not the payment is permitted based on the first
terminal account
credit loan limit and the payment amount, then at the same time freezing the
credit loan
amount of the first terminal account, and generating electronic commitment
payment
certificate.
[96] Example 5
[97] As shown in Figure 5, an example of the present invention provides a
payment method
based on a different Funds-Management server for using in Funds-Management
server,
which includes steps:
[98] S201, the first terminal transmits the payment request information to
the second
Funds-Management server, and the payment request information includes the
payment
amount.
[99] Specifically, the payment request information received by the second
Funds-Management
server includes merchant information, product information and payment amount,
and may
include first terminal information such as a client ID. Among them, the
business
information can be directly merchants account number, you can also uniquely
identify the
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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
second terminal should be kept confidential from the first terminal, so the
merchant
information should preferably be the merchant ID, and the second Funds-
Management
server inquires the merchant's receipt by using the corresponding relationship
between the
merchant ID and its receiving account. In other words, the first terminal only
needs to
inform the secondary Funds-Management server which merchant's which goods need
to be
paid how much money, then the secondary Funds-Management server will be able
to call
out the merchant account to implement the appropriate payment operation.
[100] S202, the secondary money management server receives the payment request
information
sent by the first terminal;
[101] S203, compare the first terminal account credit overdraft limit and the
payment amount to
determine whether or not to generate an electronic commitment payment
certificate to pay
with, If allowed, the process proceeds to S209, otherwise the process proceeds
to step
S204.
[102] S204, compare the first terminal account credit loan limit and the
amount of payment to
determine whether to generate electronic commitment payment certificate to pay
with
credit commitment, if allowed, enter S209, otherwise enter S204.
[103] S205, compare the first terminal account credit loan limit and the
amount of payment to
determine whether to generate electronic commitment certificate to pay, if
allowed, then
enter S209, otherwise, to terminate the payment and the process.
[104] S209, the second Funds-Management server will freeze the balance of the
funds or credit
loan limit corresponding to the payment amount in the first terminal account;
[105] This step only to freeze the payment amount or credit limit to ensure
that there is sufficient
funds to complete the transaction, but not directly to the merchant account,
so that the
interests of buyers and sellers can be protected, the following steps can be
completed by
the first terminal, the second terminal or the logistics company delivering
the payment
information to confirm the completion of the delivery. After the Funds-
Management server
receives the payment information, allocates the thawing funds to the merchant
account.
[106] S210, the second Funds-Management server generates the electronic
commitment payment
certificate according to the payment request information and the freezing
information;
[107] Specifically, since the payment request information is sent by the buyer
to the second
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized to the bank. The
secondary
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Funds-Management server freezes the corresponding funds or credit limit and
generates an
electronic commitment payment certificate based on the payment information,
and the
secondary terminal provides the corresponding merchandise / service according
to the
electronic commitment payment certificate.
[108] S211, transmits the electronic payment certificate to the second
terminal, and synchronizes
to 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.
[109] S212, the second Funds-Management server receives the payment
information;
[110] S213, the secondary Funds-Management server transfers to the first fund
management
server;
[111] S214, the first Funds-Management server transfers the received payment
amount to the
account of the second terminal.
[112] The payment method provided by the example of the present invention
receives the
payment request information of the first terminal through the Funds-Management
server, to
determine whether being allowed to pay based on the credit overdraft limit of
first terminal
account, account funds limit of the first terminal and credit loan limit of
the first terminal
account, while freezing the payment amount of the first terminal account and
generating
electronic commitment payment certificate to complete real-time monitoring,
which can
reduce the risk of funds to protect the interests of buyers and sellers.
[113] Example 6
[114] As shown in Figure 6, an example of the present invention provides a
payment method
based on a different Funds-Management server for using in Funds-Management
server,
which includes steps:
[115] S201, the first terminal transmits the payment request information to
the second
Funds-Management server, and the payment request information includes the
payment
amount.
[116] S202, the second Funds-Management server receives the first terminal to
send the payment
request information;
[117] Specifically, the payment request information received by the second
Funds-Management
server includes merchant information, product information and payment amount,
and may
include first terminal information such as a 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 fmd the corresponding bank
account
information based on the unique identification of the business from the
database by the
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second Funds-Management server. In the specific application, the account
information of
the second terminal should be kept confidential with respect to the first
terminal, so the
merchant information is preferably the merchant ID, and the second Funds-
Management
server inquires the merchant's receipt taking advantage of the corresponding
relationship
between the merchant ID and its receiving account. In other words, the first
terminal only
need to inform the second Funds-Management server to pay how much funds of
which
goods belongs to which merchant, the second Funds-Management server will be
able to
call out the merchant account to implement the appropriate payment operation.
[118] S203, compare the first terminal account credit overdraft limit and the
payment amount to
determine whether or not to generate an electronic commitment payment
certificate to pay
with, If allowed, the process proceeds to S209, otherwise the process proceeds
to step
S204.
[119] S204, compare the credit loan limit and the payment amount to determine
whether or not
the electronic commitment payment certificate can be generated, if allowed,
the process
proceeds to S209, otherwise the process proceeds to step S205.
[120] S205, compare the balance of the account funds and the amount of payment
to determine
whether to generate electronic commitment to pay with, if allowed, then enter
S209, or end
the process.
[121] S209, the second Funds-Management server will freeze the balance of the
funds or credit
limit corresponding to the payment amount in the first terminal account;
[122] This step only to freeze the amount of payment or credit limit to ensure
that there is
sufficient funds to complete the transaction, but not directly to the merchant
account, so
that the interests of buyers and sellers can be protected, the following steps
can be
completed by the first terminal, the second terminal or the logistics company
delivering the
payment information to confirm the completion of the delivery. After the
Funds-Management server receives the payment information, allocates the
thawing funds
or the same amount comparing with payment funds to the merchant account.
[123] S210, the second Funds-Management server generates the electronic
commitment payment
certificate according to the payment request information and the freezing
information;
[124] Specifically, since the payment request information is sent by the buyer
to the second
Funds-Management server through the first terminal operation, the payment
information is
objectively confirmed by the customer and authorized to the bank. The second
Funds-Management server freezes corresponding funds or credits, and generates
an
electronic commitment payment certificate based on the payment information,
and the
secondary terminal provides the corresponding merchandise / service according
to the
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electronic commitment payment certificate.
[125] S211, transmits the electronic payment certificate to the second
terminal, and synchronizes
to 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.
[126] S212, the second Funds-Management server receives the payment
information;
[127] S213, the secondary Funds-Management server transfers to the first fund
management
server;
[128] S214, the first Funds-Management server will receive the payment amount
of money to the
second terminal account.
[129] The payment method provided by the example of the present invention
receives the
payment request information of the first terminal through the Funds-Management
server,
determines whether or not the payment is permitted based on the balance of the
first
terminal account funds and the payment amount, and by freezing the funds
balance of the
first terminal account or credit limit, and generating electronic commitment
payment
certificate, which can reduce the risk of funds and protect the interests of
the buyers and
the sellers.
[130] Example 7
[131] As shown in Figure 7, 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:
[132] The receiving module 301 is, configured to receive payment request
information which
transmitted by the first terminal, wherein, the payment request information
includes a
payment amount.
[133] Specifically, the payment request information received by the receiving
module 301
includes merchant information, merchandise information and payment amount, and
may
include first terminal information such as a client ID. Among them, the
business
information can be directly merchants' receiving account, and it can also be
the only
information that identifies the merchant (such as business ID). In specific
application, the
account information of the second terminal should be kept confidential with
respect to the
first terminal, so the merchant information is preferably the merchant ID,
that is, the first
terminal simply needs to informs the Funds-Management server to pay to which
merchant'
goods, the device will call out the merchant account to implement
corresponding payment
operation.
[134] The judgement module 302 is configured to determine whether or not to
allow to pay based
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on the balance of the first terminal account funds balance or the credit
overdraft limit or the
credit loan limit.
[135] As a preferred scheme, the judgement module 302 is specifically
configured to determine
whether terminal account credit overdraft limit is greater than or equal to
the payment
amount, and if so, to allow payment; otherwise, the balance of the first
terminal account
whether the balance is greater than or equal to the amount of payment, if yes,
then allow
payment; otherwise to further determine whether the terminal account credit
overdraft limit
is greater than the amount of payment, if so, allowed to pay, or not allowed
to pay. In this
way, to determine the ability of paying of the first terminal account, you can
save the
payment cycle to protect the interests of businesses. Wherein the bank account
of the first
terminal may be informed to this device by the first terminal in the payment
request
information, or the device may inquire it from the database based on the first
terminal
information, and obtains the funds balance or the credit limit of the
corresponding first
terminal account. Only when the balance of funds or credit limit of the first
terminal
account greater than or equal to the amount of payment, it means that
customers have the
ability to pay, then payment behaviour allowed. When using a Funds-Management
server
to obtain a bank account or credit card account based on customer information,
a customer
may have multiple accounts, and a mixed payment method may also be used.
[136] The processing module 303 is configured to freeze the credit limit
corresponding to the
payment amount in the first terminal account when payment is allowed, and
generate an
electronic commitment payment certificate to deliver the electronic commitment
payment
certificate information to the second terminal.
[137] Preferably, the processing module 303 further includes a freezing unit
3031, a certificate
generation unit 3032, and a synchronization unit 3033, wherein:
[138] The freezing unit 3031 is configured to freeze the amount corresponding
to the payment
amount in the first terminal account when the payment is allowed;
[139] The certificate generation unit 3032 is configured to generate an
electronic commitment
payment certificate;
[140] The synchronization unit 3033 is configured to transmit the electronic
commitment
payment certificate information to the merchant end.
[141] In addition, the processing module 303 may include a debit unit, which
is configured to
receive the payment information, and allocate the funds equal to the payment
amount to the
first Funds-Management server.
[142] It is important to note that the technical features of the above-
described Examples 2 and 3
are applicable in the present device and are not repeated here.
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[143] In addition, the present invention provides a Funds-Management server
including a
payment device in the Example 4, which is not repeated here.
[144] According to the example of the present invention, the payment device
and the
Funds-Management server receives the payment request information through the
first
terminal, and determines whether or not to allow to make payment based on the
buyer's
first terminal account overdraft limit; meanwhile, by freezing the funds
balance of the first
terminal account or credit limit and generating electronic commitment payment
certificate,
which can reduce the risk of funds and protect the interests of the buyers and
the sellers. In
addition, by increasing the loan function, which can not only to facilitate
the buyer, but
also to greatly enrich the bank or other institutions with credit ability to
pay the business.
[145] Example 8
[146] As shown in Figure 8, an example of the present invention provides the
payment system
based on a different Funds-Management server, which includes at least one
first terminal
10, at least one second terminal 20, a connected first Funds-Management server
30, a
second Funds-Management server 40, a first Funds-Management server 30 and a
second
terminal 20 for operating the account of the second terminal 20, and the
second
Funds-Management server 40 is connected to the first terminal 10 for operating
the account
of the first terminal 10, wherein:
[147] The information centre server 50 is used to store and supervise the
electronic commitment
payment certificate information.
[148] The first terminal 10 includes a payment request module 101 configured
to deliver
payment request information to the Funds-Management server 40, wherein the
payment
request information includes merchant information, merchandise information,
and payment
amount.
[149] 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 40.
[150] The Funds-Management server 40 includes a receiving module 301, a
judgement module
302, and a processing module 303, wherein:
[151] The receiving module 301 is configured to receive payment request
information
transmitted by the first terminal;
[152] The judgement module 302 is arranged to determine whether or not a
credit commitment
payment is permitted based on the first terminal account credit overdraft
limit and the
payment amount;
[153] As a preferred example, the judgement module 302 is configured to
determine whether the
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first terminal account credit overdraft limit is greater than or equal to the
payment amount,
and if so, to allow payment; otherwise, it is further judged the first
terminal account credit
limit is greater than or equal to the amount of payment, if yes, then allow
payment, or
further determine whether the balance of the first terminal account funds is
greater than or
equal to the amount of payment, and if so, allow credit commitment to pay.
[154] The processing module 303 is configured to freeze the credit amount or
the amount of
funds corresponding to the payment amount in the first terminal account when
the credit
commitment payment is allowed to be generated; generate the electronic
commitment
payment certificate, and deliver the electronic commitment payment certificate
information
to the second terminal.
[155] As a preferred example, the receiving module 301 of the Funds-Management
server 40 is
also responsible for receiving the payment information; the processing module
303 also
includes a transferring module, which is configured to transfer equal funds to
the account
of the merchant after receiving the payment information.
[156] Specifically, since the payment request information is sent by the buyer
to the
Funds-Management server 40 through the first terminal 10, the payment
information is
objectively confirmed by the first terminal 10 and authorized by the bank to
pay. The
second Funds-Management server 40 freezes the corresponding funds or credits,
and
generates an electronic commitment payment certificate based on the payment
information,
and the second terminal provides the corresponding merchandise / service
according to the
electronic commitment payment certificate.
[157] The general technicians of this field can understand and implement all
or parts of steps in
the above-mentioned 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.
[158] The preferred example of the present invention have been described with
reference to the
above accompanying drawings, which are not to limit the scope of the present
invention. It
will be apparent to those skilled in this field that various modifications,
equivalents, and
improvements may be made without departing from the scope and spirit of this
invention.
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