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Cross-fund server-based payment system, method, device and server

A payment system and server technology, applied in the payment system, payment system structure, payments involving neutral parties, etc., can solve the problem of difficulty in ensuring the security of funds, and achieve the effect of promoting network transactions, optimizing credit mechanisms, and protecting interests

Inactive Publication Date: 2016-12-07
SHENZHEN CIFPAY NETWORK BANK TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In the process of online payment, most of the existing funds in the debit card or credit card are used for direct payment, or the existing funds or the credit limit in the credit card are directly transferred to a third party as a guarantee for the transaction. or when there are occasional service or customer disputes, it is difficult to guarantee the safety of funds

Method used

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  • Cross-fund server-based payment system, method, device and server
  • Cross-fund server-based payment system, method, device and server
  • Cross-fund server-based payment system, method, device and server

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0029] like figure 1 As shown, the embodiment of the present invention provides a payment system based on a cross-fund server, which includes at least one client terminal 10, at least one merchant terminal 20, an information center server 50, and a first fund management server 30 and a first fund management server 30 connected to each other. Two fund management servers 40, wherein:

[0030] The client terminal 10 is connected to the second fund management server 40, and is configured to send payment request information to the second fund management server 40, wherein the payment request information includes the payment amount.

[0031] Specifically, the client 10 is suitable for the payer (buyer), including smart devices such as mobile phones, personal computers, and PADs. The account information of the client 10 is filled in when the user registers and stored in the fund management service and / or information center server. In the database, the account information of the clie...

Embodiment 2

[0044] like figure 2 As shown, a cross-fund server-based payment method provided by an embodiment of the present invention is applied to a fund management server, and the method includes the following steps:

[0045] S201. The client sends payment request information to the second fund management server, where the payment request information includes a payment amount.

[0046] Specifically, the payment request information received by the second fund management server includes: merchant information, product information and payment amount, and may also include client information (such as customer ID). Wherein, the merchant information can directly be the merchant's payment account number, or can uniquely identify the merchant's information (such as the merchant ID), and the second fund management server can search the bank account information corresponding to the merchant from the database according to the unique identifier of the merchant. In a specific application, the accou...

Embodiment 3

[0061] like image 3 As shown, a payment method for a credit overdraft line and a credit loan line provided by a preferred embodiment of the present invention is applied to figure 1 In the shown payment system based on cross-fund server, the method includes the following steps:

[0062] S301. The client sends payment request information to the second fund management server, where the payment request information includes at least a payment amount.

[0063] Wherein, the payment request information is composed of multiple data packets, at least including merchant information, product information and payment amount. Can also include client information (such as client ID). Wherein, the merchant information can directly be the merchant's payment account number, or can uniquely identify the merchant's information (such as the merchant ID), and the fund management server can search the bank account information corresponding to the merchant from the database according to the unique i...

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PUM

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Abstract

The invention discloses a cross-fund management server-based payment system, method, device and server, and belongs to the field of e-commerce. The method comprises the following steps of: receiving payment request information sent by a client by a second fund management server; comparing the sum of a credit overdraft limit and a credit extension loan limit of the client with a payment amount, so as to judge whether an electronic underwrite document can be given or not; if the judging result is positive; respectively freezing the credit overdraft limit and the credit extension loan limit, in an account of the client, corresponding to the payment amount by the second fund management server; and generating the electronic underwrite document indicating that the second fund management server promises to pay the fund according to an appointed condition, sending the electronic underwrite document to a commercial tenant end to replace the client to carry out credit underwrite, and synchronizing the electronic underwrite document to an information center server. By adopting such a technical scheme, the two trading parties are supervised so that the fund risk can be reduced and then the benefits of the two trading parties are ensured.

Description

technical field [0001] The invention relates to the field of electronic commerce, in particular to a payment system based on a cross-fund server and its payment method, device and server. Background technique [0002] E-commerce has been more and more widely used in various commercial and trade activities. The so-called e-commerce refers to the realization of consumers' online shopping in commercial and trade activities under the open network environment of the Internet based on browser and server applications. It is a business operation mode of online transactions and online electronic payments between merchants, as well as various business activities, transaction activities, financial activities and related comprehensive service activities. [0003] At present, many banks or enterprises provide online payment services, allowing customers to operate computers, mobile phones and other terminal devices to realize online payment. The online payment method provides customers wi...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/08G06Q20/40
CPCG06Q20/00
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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