Note : Les descriptions sont présentées dans la langue officielle dans laquelle elles ont été soumises.
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 payment
method, device and
server based in different Funds-Management server.
[3] [Background Technology]
[4] E-commerce has become increasingly widely used in a variety of
commercial trade
activities, the so-called e-commerce is a business operation model that based
on the
browser and server applications helps consumer realize online shopping, online
transactions between merchants and online electronic payments, as well as a
variety of
business activities, trading activities, financial activities and related
integrated service
activities in the commercial trade, and in the Internet open network
environment.
[5] At present, many banks or enterprises have provided a network of
payment services,
allowing customers to operate computers, mobile phones and other terminal
equipment
to achieve network payment, the way of the network payment provides customers
with a
great convenience. But in the process of network payment, the payment is
conducted by
directly using the existing funds in the debit cards or credit card, or
allocating the credit
limit of the existing funds or credit card to the third party as a guarantee
for the transaction,
once the merchant does not provide goods or service, or disputes occur, the
financial
security is difficult to be guaranteed. Thus, the need for new payment
systems, methods,
devices and servers at this stage to reduce the risk of user funds and to
protect the interests
of buyers and sellers.
[6] [Summary of the invention]
[7] In view of the above, the technical problem to be solved by the present
invention is to
provide a payment system, and its payment method, device and server based on
the same
Funds-Management server 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 different Funds-Management server including
at least one
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first terminal, one second terminal, and an information centre server; a
second Funds-
Management server connected to the first terminal, and a first Funds-
Management server
connected to the second terminal, the first Funds-Management server and the
second
Funds-Management server are connected with the information centre server
respectively,
wherein:
[10] The above-mentioned first terminal is to send payment request
information including at
least a payment amount to the second Funds-Management server;
[11] The above-mentioned 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
delivered by the first terminal; comparing the first terminal account funds
balance with a
payment amount to determine whether an electronic commitment payment
certificate can
be created; if yes, the second Funds-Management server freezing the funds
balance
corresponding to the payment amount within the first terminal account;
generating the
electronic commitment payment certificate for the Funds-Management server to
commit
to pay funds according to an agreed condition, and delivering the electronic
commitment
payment certificate to the second terminal to make a credit commitment payment
on
behalf of the first terminal, and the electronic commitment payment
certificate shall be
synchronized to the information centre server;
[13] The first Funds-Management server is configured to store the
electronic commitment
payment certificate information transmitted by the second Funds-Management
server and
allocate the received payment amount to the electronic commitment payment
certificate
information based on the electronic payment certificate 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-Management
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;
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[17] Comparing the first terminal account fund balance and the payment
amount to determine
whether or not an electronic commitment payment certificate can be generated
to make a
payment;
[18] If possible, the second Funds-Management server freezing the funds
balance
corresponding to the payment amount in the first terminal account; generating
an
electronic commitment payment certificate committed on agreed condition by the
second
Funds-Management server, the electronic commitment payment certificate
information is
delivered to the second terminal on behalf of the first terminal to make a
credit
commitment payment, and the electronic commitment payment certificate shall be
synchronized to the information centre server.
[19] A payment device based on a different Funds-Management server, which
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 connected with the second Funds-Management server, wherein the
payment
request information includes a payment amount;
[21] A judgement module is configured to determine whether the credit
commitment is
allowed to be paid based on the funds balance and the payment amount in the
first terminal
account;
[22] When the processing module is configured to allow payment, freezing
the funds balance
corresponding to the payment amount in the first terminal account; generating
an
electronic commitment payment certificate and delivering it to the second
terminal which
is connected to the first Funds-Management server and synchronizing to the
information
centre server.
[23] This invention provides a payment system and its method, device and
server based on the
different Funds-Management server, and supervises the information of the
buyers and
sellers through the first Funds-Management server, second 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 funds balance in the
first
terminal account, and generates electronic payment certificates and
synchronizes it to 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
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centre function of the credit centre of the first Funds-Management server,
second 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.
[24] [Brief Description]
[25] Figure 1 is a schematic diagram of the payment system based on cross
Funds-
Management server provided by the Example of the present invention;
[26] Figure 2 is a flow chart of the payment method based on 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 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 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 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 different
Funds-Management
server provided by an example of the present invention;
[31] Figure 7 is a flow chart of the payment method based on different
Funds-Management
server provided by an example of the present invention;
[32] Figure 8 is a block diagram of a payment device based on different
Funds-Management
server provided by the Example of the present invention;
[33] [Description of the Preferred Examples]
[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
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[36] As shown in Figure 1, an example of the present invention provides a
payment system
based on 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, 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 second Funds-Management service 40 and or the information
centre
server 50, 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 purchases 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.
[40] The second Funds-Management server 40 is used to receive the payment
request
information delivered from the first terminal 10, based on the payment amount
and the
funds balance of the first terminal account, the credit overdraft limit of
first terminal
account and the credit loan limit of first terminal account to judge if the
account has
payment ability. If the account has payment ability, the funds or credit
corresponding to
the payment amount in the funds balance of the first terminal account are
frozen, and the
electronic payment document is generated based on the payment request
information and
the frozen information, and then the electronic payment document is delivered
to the
second terminal, and synchronized to the first Funds-Management server and
information
centre.
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[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 commitment payment certificate information is
the key
information in the payment behaviour, which is convenient to subsequent follow-
up of
the electronic payment certificate information at any time by backing up the
information
through information centre 50, and validates 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
servers in a physical sense, e.g., they can work in parallel, and the
resources of the server
are automatically allocated to realize the Funds-Management according to the
different
traffic. The Funds-Management server includes but not limited to servers in
organizations
such as banks, businesses, and so on. In practical applications, it can be
seen as the same
bank's cluster Funds-Management server, but it is not limited to banks, it
also supports
the flow of funds in other institutions in the Internet. The information of
the first Funds-
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Management server 30 and the second 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 different Funds-Management server for use in a Funds-Management
server,
which method comprises the steps of:
[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 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 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 balance of the first terminal account and the
payment amount to
determine whether to generate electronic commitment to pay the certificate to
be paid; if
allowed to pay, then enter the S209; otherwise, terminate the payment, and end
the
process.
[52] S209, the second Funds-Management server freezes the funds
corresponding to the
payment amount in the first terminal account.
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[53] This step only freezes the payment amount to ensure that there is
sufficient funds to
complete the transaction subsequently, but not directly transfers to the
merchant account,
which guaranteed the interests of buyers and sellers, the first terminal, the
second terminal
or the logistics company can deliver the payment information subsequently to
confirm the
delivery is completed, the second Funds-Management server transfers the
released funds
to the first Funds-Management server after receiving the payment information.
[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 delivered 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 funds 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 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.
[57] S212, the second Funds-Management server receives the payment
information;
[58] S213, the second Funds-Management server transfers to the first Funds-
Management
server;
[59] S214, the first Funds-Management server transfers the received payment
amount to the
account of the second 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
balance of the
first terminal account funds and the payment amount, and by freezing the funds
of the
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first terminal account, and generating electronic commitment payment
certificate and
synchronizing it to the information centre server in order to make real-time
monitoring,
which can reduce the risk of funds and 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 different Funds-Management server for use in a Funds-Management
server,
which method comprises the steps of:
[63] S201, the first terminal transmits the payment request information to
the second Funds-
Management server, and the payment request information includes the payment
amount.
[64] S202, the second Funds-Management server receives the payment request
information
sent by the first terminal;
[65] 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 first terminal 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 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 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 funds balance and the payment
amount to
determine whether to generate electronic commitment payment certificate for
conducting
commitment payment; if allowed to pay, enter S209; otherwise enter S204.
[67] S204, compare the first terminal account credit overdraft limit and
the payment amount
to determine whether to generate electronic commitment payment certificate for
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conducting commitment payment; if allowed to pay, enter S209; otherwise, end
the
process.
[68] Wherein the bank account of the first terminal can be informed to the
second 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 second
Funds-
Management server.
[69] S209, the second Funds-Management server freezes the funds or credit
overdraft limit
corresponding to the payment amount in the first terminal account;
[70] This Step only to freeze the amount of funds 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 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 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.
[73] S211, transmits the electronic payment certificate to the second
terminal, and
synchronizes to the information centre server and 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;
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[76] S213, the second Funds-Management server transfers to the first Funds-
Management
server;
[77] S214, the first Funds-Management server transfers the received payment
amount to the
account of the second terminal.
[78] 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
balance of the
first terminal account funds and the payment amount, and by freezing the funds
of the
first terminal account, and generating electronic commitment payment
certificate and
synchronizing it to the information centre server in order to make real-time
monitoring,
which can reduce the risk of funds and protect the interests of buyers and
sellers.
[79] Example 4
[80] As shown in Figure 4, an example of the present invention provides a
payment method
based on different Funds-Management server for use in a Funds-Management
server,
which method comprises the steps of:
[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;
[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
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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, the second Funds-Management server compares the first terminal
account balance
and the payment amount to determine whether or not an electronic commitment
payment
certificate can be generated, and the payment proceeds to S209 if the payment
is allowed.
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 Funds-Management server.
[86] S204, 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.
[87] S209, the second Funds-Management server to freeze the first terminal
account in the
funds balance or credit loan limit;
[88] This Step only to freeze the 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 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 by the bank. The
second Funds-
Management server will freeze the corresponding the funds balance or credit
loan limit;
meanwhile, it will generate an electronic commitment payment certificate based
on the
payment information, and the second terminal will provide the corresponding
goods /
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services according to the electronic commitment payment certificate.
[91] S211, transmits 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.
[92] S212, the second Funds-Management server receives the payment
information;
[93] S213, the second Funds-Management server transfers to the first Funds-
Management
server;
[94] S214, the first Funds-Management server transfers the received payment
amount to the
account of the second terminal.
[95] 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 funds
balance or
credit loan limit of the first terminal account, and by freezing the funds or
limit of the first
terminal account, and generating electronic commitment payment certificate and
synchronizing it to the information centre server in order to make real-time
monitoring,
which can reduce the risk of funds and protect the interests of buyers and
sellers.
[96] Example 5
[97] As shown in Figure 5, an example of the present invention provides a
payment method
based on different Funds-Management server for use in a Funds-Management
server,
which method comprises the steps of:
[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
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
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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 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.
[100] S202, the second Funds-Management server receives the first terminal to
deliver the
payment request information;
[101] S203, the first terminal account balance and the payment amount are
compared to
determine whether or not an electronic commitment payment document can be
generated.
If the payment is allowed, S209 is entered; otherwise the process proceeds to
Step S204.
[102] S204, compares the credit overdraft limit of the account and the payment
amount to
determine whether or not the electronic commitment payment certificate can be
generated. If the payment is allowed, the process proceeds to S209; otherwise
the process
proceeds to Step S205.
[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 freezes corresponding balance
or credit limit
equal to the payment amount in the first terminal account;
[105] This Step only to freeze the 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.
[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
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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 funds or credit loan limit 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.
[108] S211, transmits 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.
[109] S212, the second Funds-Management server receives the payment
information;
[110] S213, the second Funds-Management server transfers to the first Funds-
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,
the first terminal account funds balance, the first terminal account credit
overdraft limit
and the first terminal account credit loan limit will be based to determine
whether to allow
payment, and by freezing the first terminal account payment amount, and
generating
electronic commitment payment certificates and synchronizing it to the
information
centre server in order to make real-time monitoring, which can reduce the risk
of funds to
protect the interests of the buyers and the sellers.
[113] Example 6
[114] As shown in Figure 6, an example of the present invention provides a
payment method
based on different Funds-Management server for use in a Funds-Management
server,
which method comprises the steps of:
[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 payment request
information
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sent by the first terminal;
[117] 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 first terminal 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 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 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, the first terminal account balance and the payment amount are
compared to
determine whether or not an electronic commitment payment document can be
generated.
If the payment is allowed, S209 is entered; otherwise the process proceeds to
Step S204.
[119] S204, compares the credit amount of the account and the payment amount
to determine
whether or not the electronic commitment payment certificate can be generated.
If the
payment is allowed, the process proceeds to S209; otherwise the process
proceeds to Step
S205.
[120] S205, compare account credit overdraft limit and payment amount to
determine whether
to generate electronic commitment payment certificate for payment; if allowed
to pay,
then enter S209; otherwise, end the process.
[121] S209, the second Funds-Management server freezes corresponding balance
or credit limit
equal to the payment amount in the first terminal account;
[122] This Step only to freeze 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
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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 by the bank. The
second Funds-
Management server freezes the corresponding funds or credit loan limit 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.
[125] S211, transmits 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.
[126] S212, the second Funds-Management server receives the payment
information;
[127] S213, the second Funds-Management server transfers to the first Funds-
Management
server;
[128] S214, the first Funds-Management server transfers the received payment
amount to the
account of the second terminal.
[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 or
credit
overdraft limit of the first terminal account, and generating electronic
commitment
payment certificate and synchronizing it to the information centre server in
order to make
real-time monitoring, which can reduce the risk of funds and protect the
interests of buyers
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and 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 delivered
by the first terminal which is connected to the second Funds-Management
server, 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
as well include first terminal information (for an example, client ID). Among
them, the
merchant information can be directly the merchants receiving account, you can
also
uniquely identify the merchant information (for an example, merchant 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 payment
based on the first terminal account fund balance or the credit overdraft limit
or the credit
loan limit and the payment amount.
[135] As a preferred scheme, the judgement module 302 is specifically
configured to determine
whether the balance of the funds of the first terminal account is greater than
or equal to
the payment amount, and if so, the payment is allowed; Whether the amount is
greater
than or equal to the payment amount, if yes, then allow payment; otherwise to
further
determine whether the credit limit is greater than the payment amount, if it
is 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
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credit limit of the corresponding first terminal account. Only in the first
terminal account
of the funds balance or credit limit greater than or equal to the payment
amount, it means
that customers have the ability to pay behaviour, this time to allow payment
behaviour.
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.
[136] When the processing module 303 is configured to allow payment, freezing
the funds
corresponding to the payment amount in the first terminal account; generating
an
electronic commitment payment certificate and delivering it to the second
terminal which
is connected to the second Funds-Management server and synchronizing to the
information centre server.
[137] Preferably, the processing module 303 further includes a freeze
unit 3031, a certificate
generation unit 3032, and a synchronization unit 3033, wherein:
[138] The freezing unit 3031 is configured to freeze the funds corresponding
to the payment
amount in the first terminal account when payment is allowed,
[139] The certificate generation unit 3032 is configured to generate an
electronic commitment
payment document;
[140] The synchronization unit 3033 is configured to deliver the electronic
commitment
payment certificate information to the second terminal, and synchronizing to
the
information centre server.
[141] In addition, the processing module 303 may include a transfer unit,
configured to receive
the payment information, synchronize the payment information to the
information centre
server, and allocate the frozen funds to the Funds-Management server.
[142] It is to be noted that the technical features of the above-described
method examples 2 and
3 are applicable in the present apparatus and are not repeated here.
[143] In addition, the present invention provides a Funds-Management server
including a
payment device in the Example 7, which is not repeated here.
[144] The payment device and server provided by the example of the present
invention receives
the payment request information of the first terminal, determines whether or
not the
payment is permitted based on the funds balance or credit loan limit of the
first terminal
account, and by freezing the funds or credit limit of the first terminal
account, and
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generating electronic commitment payment certificate and synchronizing it to
the
information centre server in order to make real-time monitoring, which can
reduce the
risk of funds and protect the interests of buyers and 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, a preferred payment method provided by the example
of the present
invention based on a different Funds-Management server, which includes a first
terminal
10, a second terminal 20, a second Funds-Management server 40 connected to the
first
terminal 10, a Funds-Management server 20 connected to the Funds-Management
server
30, and the information centre 50 connected to the first Funds-Management
server 30 and
second Funds-Management server40 respectively, including:
[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 send payment
request information to the Funds-Management server 30, wherein the payment
request
information includes merchant and merchandise information, and payment amount.
[149] The second terminal 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
30.
[150] The second 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 configured to determine whether or not a
credit
commitment payment is permitted based on the balance of the first terminal
account funds
and the payment amount;
[153] As a preferred example, the judgement module 302 is configured to
determine whether
the balance of the first terminal account is greater than or equal to the
amount of the
payment, and if so, the payment is allowed; Greater than or equal to the
payment amount,
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if yes, then allow payment, or to further determine whether the first terminal
account
credit loan limit is greater than or equal to the payment amount, if so, allow
credit
commitment to pay.
[154] The processing module 303 is configured to freeze the funds amount or
credit limit of the
funds corresponding to the payment amount in the client account when the
payment of
credit commitment is allowed, and generate the electronic commitment payment
certificate to deliver the electronic commitment payment certificate
information to the
second terminal and synchronize to the information centre server.
[155] As a preferred example, the receiving module 301 of the Funds-Management
server 30 is
also responsible for receiving the payment information; the processing module
303 also
includes a transferring module, which is configured to transfer equal funds to
the account
of the second terminal account after receiving the payment information.
[156] Specifically, since the payment request information is sent by
the buyer to the Funds-
Management server 30 through the first terminal 10, the payment information is
objectively confirmed by the first terminal 10 authorizes the bank to pay. The
Funds-
Management server 30 freezes the corresponding funds or credit limit and
generates an
electronic commitment payment certificate based on the payment information,
and the
second terminal 20 provides the corresponding merchandise / service based on
the
electronic commitment payment certificate.
[157] 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.
[158] The preferred examples of the present invention have been described
above with reference
to the accompanying drawings, which are not to limit the scope of the present
invention.
It will be apparent to those skilled in the field that various modifications,
equivalents, and
improvements may be made without departing from the scope and spirit of the
invention.
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