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Payment system based on same fund server and payment method and device and server thereof

A payment system and server technology, which is applied in the server field, can solve problems such as difficulty in guaranteeing fund security, and achieve the effects of promoting online transactions, protecting interests, and reducing financial risks

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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  • Payment system based on same fund server and payment method and device and server thereof
  • Payment system based on same fund server and payment method and device and server thereof
  • Payment system based on same fund server and payment method and device and server thereof

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0028] Such as figure 1 As shown, the embodiment of the present invention provides a payment system based on the same fund server, the system includes at least one client 10, at least one merchant terminal 20 and a fund management server 30, and the fund management server 30 communicates with the client 10 and the merchant respectively Terminal 20 is connected, where:

[0029] The client terminal 10 is connected to the fund management server 30, and is used to send payment request information to the fund management server 30, wherein the payment request information includes the payment amount.

[0030] 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 database of the fund management service. The account information of 10 includes information such as user ID, bank of account opening, account na...

Embodiment 2

[0042] Such as figure 2 As shown, a payment method based on the same fund server provided by the embodiment of the present invention is applied to the fund management server, and the method includes the following steps:

[0043] S201. The fund management server receives payment request information sent by the client, where the payment request information includes at least a payment amount.

[0044] Specifically, the payment request information received by the 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 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, t...

Embodiment 3

[0055] Such as image 3 As shown, a payment method for fund balance and credit overdraft line provided by the preferred embodiment of the present invention is applied to figure 1 In the shown payment system based on the same fund server, the method includes the following steps:

[0056] S301. The client sends payment request information to the fund management server, where the payment request information includes at least a payment amount; the fund management server receives the payment request information sent by the client.

[0057] 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 info...

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PUM

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Abstract

The invention discloses a payment system based on the same fund management server and a payment method and device and server thereof, and belongs to the field of e-commerce. The method comprises the steps that the fund management server receives payment request information transmitted by a client side; the sum of the fund balance and the credit overdraft of the client side is compared with payment account, and whether an electronic promise payment certificate can be made is judged; if the judgment result is yes, the fund management server respectively freezes the fund balance and the credit overdraft corresponding to the payment amount in the client side account; and the electronic promise payment certificate of the fund management server for promising to thaw and pay the fund according to the agreed conditions is generated, and the electronic promise payment certificate is transmitted to a merchant side to perform credit promise payment for the client side. With application of the technical scheme, the both transaction sides are supervised so that the fund risk can be reduced and the benefits of the both transaction sides can be guaranteed.

Description

technical field [0001] The invention relates to the field of electronic commerce, in particular to a payment system based on the same 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 w...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/24G06Q20/38G06Q30/00
CPCG06Q20/10
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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