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Network payment method and device and money management server and system

A fund management and payment system technology, applied in the fields of fund management servers and systems, network payment methods, and devices, can solve the problems of customers being unable to pay funds and single payment methods, to enrich business, reduce capital risks, and optimize credit mechanisms. Effect

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 the credit limit in the credit card are transferred to a third-party organization as a guarantee for the transaction. The payment method is relatively simple, and the following situations often occur: the customer has not yet received the merchant Provided goods or services, the funds of which have been paid to the merchant by the bank or a third-party institution; or after the merchant provides the goods or services, the customer is unable to pay the corresponding funds for a long time

Method used

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  • Network payment method and device and money management server and system
  • Network payment method and device and money management server and system
  • Network payment method and device and money management server and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0034] like figure 1 As shown in the figure, an 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 20, and a fund management server 30. The fund management server 30 is connected to the client 10 and the merchant respectively. Terminal 20 is connected, where:

[0035] The client 10, connected to the fund management server 30, is configured to send payment request information to the fund management server 30, wherein the payment request information includes the payment amount.

[0036] Specifically, the client terminal 10 is suitable for the payer (buyer), including smart devices such as mobile phones, personal computers, PADs, etc. The account information of the client terminal 10 is filled in when the user registers and stored in the fund management server. The account information of the client terminal 10 The information includes user ID, account opening bank, account...

Embodiment 2

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

[0045] S101. The fund management server 30 receives payment request information sent by the client, where the payment request information at least includes the payment amount.

[0046] Specifically, the payment request information received by the fund management server includes: merchant information, commodity information, and payment amount, and may also include client information (eg, client ID). The merchant information may be directly the merchant's payment account number, or information that uniquely identifies the merchant (eg, merchant ID), and the fund management server searches the database for bank account information corresponding to the merchant according to the merchant's unique identification. In a specific application, the account information of th...

Embodiment 3

[0059] like image 3 As shown, a payment method based on the same fund server provided by an embodiment of the present invention is applied to a fund management server, and the method includes the following steps:

[0060] S201. The fund management server 30 receives payment request information sent by the client, where the payment request information includes the payment amount.

[0061] Specifically, the payment request information received by the fund management server includes: merchant information, commodity information, and payment amount, and may also include client information (eg, client ID). The merchant information may be directly the merchant's payment account number, or information that uniquely identifies the merchant (eg, merchant ID), and the fund management server searches the database for bank account information corresponding to the merchant according to the merchant's unique identification. In a specific application, the account information of the merchant...

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PUM

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Abstract

The invention discloses a payment system, a payment method therefor, a payment device therefor that are all based on the same money management server and the money management server and belongs to the field of electronic commerce. The method comprises the following steps: a money management server receives a payment request information sent from a client end, and whether an electronic committed payment voucher can be issued can be determined via comparison between client end fund balances and a payment amount; if the electronic committed payment voucher can be issued, the money management server freezes an amount, corresponding to the payment amount, of the fund balances in a client end account; the electronic committed payment voucher of the money management server committing to pay according to agreed terms is generated; the electronic committed payment voucher is sent to a merchant end so as to make credit commitment payment on behalf of the client end. Via use of the payment system, the payment method therefor, the payment device and the moneymanagement server, fund risk can be lowered while both transaction parties are supervised, and interests of both of the transaction parties can be guaranteed.

Description

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

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/08G06Q20/40
CPCG06Q20/10
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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