CA2987449C - Payment system based on different funds-management servers, and payment method, device and server therefor - Google Patents

Abstract

Disclosed are a payment system based on different funds-management servers, and a payment method, device and funds-management server therefor, belonging to the field of e-commerce. The method comprises: a second funds-management server receiving payment request information sent by a first terminal; comparing a first terminal account credit overdraft limit with a payment amount to determine whether an electronic commitment payment certificate can be created; if yes, the second funds-management server freezing the credit overdraft limit within the first terminal account, the credit overdraft limit corresponding to the payment amount; generating the electronic commitment payment certificate for the second funds-management server to commit to pay funds 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, and synchronising to an information centre server. Using the technical solution of the present invention to supervise both parties in a transaction reduces financial risk, and ensures the interests of both parties in the transaction.

Description

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 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.

[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;

[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 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 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 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 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 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;

[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 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 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 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 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 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 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.

[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 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.

Claims (25)

Claims:

1.
An electronic payment system based on different funds-management servers for protecting both a buyer and merchant, the system comprising:
at 1 east on e pay or term i n al ;
at least one payee terminal;
an information center server;
a first funds-management server; and a second funds-management server;
wherein the at least one payor terminal and the second funds-management server are operatively connected;
wherein the at least one payee terminal and the first funds-management server are operatively connected;
wherein the information center server is operatively connected to the first funds-management server and the second funds-management server;
wherein the at least one payor terminal is configured to:
send electronic payment request information including at least a payment amount to the second funds-management server;
wherein the at least one payee terminal is configured to:
receive an electronic commitment payment certificate sent by the second funds-management server;
wherein the second funds-management server is configured to:
receive the electronic payment request information sent by the at least one payor terminal;
compare a credit overdraft limit of a client account, with the payment amount, to determine whether the electronic commitment payment certificate can be created;

wherein if the electronic commitment payment certificate can be created, the second funds-management server is further configured to:
freeze a freeze amount, wherein the freeze amount is greater than or equal to the payment amount;
generate the electronic commitment payment certificate to commit to pay the freeze amount according to an agreed condition;
send the electronic commitment payment certificate to the at least one payee terminal to make a credit commitment payment on behalf of the at least one payor terminal; and synchronize the electronic commitment payment certificate to the information center server and the first funds-management server;
wherein the first funds-management server is configured to:
store the electronic commitment payment certificate transmitted by the second funds-management server; and allocate the freeze amount from the client account to a merchant account based on the electronic commitment payment certificate;
wherein the information center server is configured to:
receive the electronic commitment payment certificate transmitted by the second funds-management server; and store and supervise the electronic commitment payment certificate for an exception in credit commitment payment behaviour when transferring the freeze amount directly from the client account to the merchant account.

2.
The system of claim 1, wherein the second funds-management server is further configured to:
compare a client funds balance in the client account, and the payment amount, to determine whether to generate the electronic commitment payment certificate.

3. The system of any one of claims 1 to 2, wherein the second funds-management server is further configured to:
compare a credit loan limit of the client account, and the payment amount, to determine whether to generate the electronic commitment payment certificate.

4. The system of any one of claims 1 to 3, wherein the freeze amount is taken from the client funds balance.

5. The system of any one of claims 1 to 3, wherein the freeze amount is taken from the credit overdraft limit.

6. The system of any one of claims 1 to 3, wherein the freeze amount is taken from the credit loan limit.

7. The system of any one of claims 1 to 3, wherein the freeze amount is taken from the client funds balance and the credit overdraft limit.

8. The system of any one of claims 1 to 3, wherein the freeze amount is taken from the client funds balance and the credit loan limit.

9. The system of any one of claims 1 to 3, wherein the freeze amount is taken from the credit loan limit and the credit overdraft limit.

10. The system of any one of claims 1 to 3, wherein the freeze amount is taken from the client funds balance, the credit loan limit and the credit overdraft limit.

11. The system of any one of claims 1 to 10, wherein the first funds-management server is a single physical server.

12. The system of any one of claims 1 to 10, wherein the first funds-management server is a server cluster of a bank.

13. The system of any one of claims 1 to 10, wherein the first funds-management server is a single physical server of a credit-providing organization.

14. The system of any one of claims 1 to 10, wherein the first funds-management server is a server cluster of a credit-providing organization.

15. The system of any one of claims 1 to 14, wherein the second funds-management server is a single physical server.

16. The system of any one of claims 1 to 14, wherein the second funds-management server is a server cluster of a bank.

17. The system of any one of claims 1 to 14, wherein the second funds-management server is a single physical server of a credit-providing organization.

18. The system of any one of claims 1 to 14, wherein the second funds-management server is a server cluster of a credit-providing organization.

19. The system of any one of claims 1 to 18, wherein the at least one payor terminal is a mobile phone.

20. The system of any one of claims 1 to 18, wherein the at least one payor terminal is a personal computer.

21. The system of any one of claims 1 to 18, wherein the at least one payor terminal is a tablet computer.

22. The system of any one of claims 1 to 21, wherein the at least one payee terminal is a Point-of-Sale System (POS) machine.

23. The system of any one of claims 1 to 21, wherein the at least one payee terminal is a server.

24. The system of any one of claims 1 to 23, wherein the client account is a purchasing account.

25. The system of claim 24, wherein the purchasing account is a bank account.