The invention discloses a
payment system based on cross-fund-servers, a
payment method and device for the
payment system and a
server, and belongs to the field of electronic commerce. The method comprises the steps: enabling a second fund management
server to receive payment request information transmitted by a
client; enabling the sum of the credit
overdraft limit, credit extension loan limit and fund balance of the
client to be compared with a payment amount, and judging whether an electronic payment acceptance
voucher can be given or not: enabling the second fund management
server to block the credit
overdraft limit, credit extension loan limit and fund balance, which are corresponding to the payment amount, of the
client if the electronic payment acceptance
voucher can be given; generating an electronic payment acceptance
voucher that the second fund management server promises to unblock the fund according to the terms of the engagement, transmitting the electronic payment acceptance voucher to a merchant terminal for credit payment for the client, and
synchronizing the electronic payment acceptance voucher to an
information center server. According to the technical scheme, the method carries out the supervision of two transaction sides, can reduce the fund risks, and guarantees the benefits of the two transaction sides.