Network payment method, device and system and fund management server

A technology of fund management and payment system, applied in the direction of payment system structure, instruments, data processing applications, etc., can solve the problem of difficulty in guaranteeing the security of funds, and achieve the effect of promoting network transactions, ensuring the security of transaction funds, and enriching services.

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 credit card funds equivalent to the credit line are directly transferred to a third party as a guarantee for transactions. It is difficult to guarantee the safety of funds when there are or customer disputes in the provision of goods or services

Method used

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  • Network payment method, device and system and fund management server
  • Network payment method, device and system and fund management server
  • Network payment method, device and system and fund management server

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0034] Such as figure 1 As shown, a payment system based on the same fund server provided by the embodiment of the present invention 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:

[0035] 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.

[0036] 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 server. The account information of 10 includes information such as user ID, bank of account opening, account name, bank ...

Embodiment 2

[0044] 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:

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

[0046] 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...

Embodiment 3

[0059] Such as image 3 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:

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

[0061] 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, the acco...

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PUM

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Abstract

The invention discloses a payment method and a payment device based on the same fund management server, and the fund management server, and belongs to the field of electronic commerce. The method comprises the following steps: the fund management server receives payment request information sent from a client side; the credit extension facility extent of a client account are compared with and a payment amount to judge whether an electronic acceptance payment order can be issued or not; if the electronic acceptance payment order can be issued, the fund management server blocks the credit extension facility extent corresponding to the payment amount in the client side account; and an electronic acceptance payment order that the fund management server promises to carry out fund solution pay according to agreed terms is generated, and the electronic acceptance payment order is sent to a commercial tenant side to carry out credit commitment payment instead of the client side. By use of the technical scheme of the invention, both transaction parties are supervised, so that fund risks can be lowered, and the benefits of both transaction parties are 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): G06Q20/02G06Q20/12
CPCG06Q20/00
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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