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Payment system based on cross-fund-servers, payment method and device for payment system, and server

A payment system and server technology, applied in payment systems, payment architectures, payments involving neutral parties, etc., can solve problems such as the difficulty of guaranteeing fund security, and achieve the effect of promoting network transactions, reducing capital risks, and optimizing credit mechanisms.

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 cross-fund-servers, payment method and device for payment system, and server
  • Payment system based on cross-fund-servers, payment method and device for payment system, and server
  • Payment system based on cross-fund-servers, payment method and device for payment system, and server

Examples

Experimental program
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Effect test

Embodiment 1

[0028] Such as 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:

[0029] 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.

[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 fund management service and / or information center server. In the database, the account information of the c...

Embodiment 2

[0047] Such as 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:

[0048] S201. The client sends payment request information to the second fund management server, where the payment request information includes a payment amount.

[0049] 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 ac...

Embodiment 3

[0068] Such as Figure 4 As shown, a payment device provided by an embodiment of the present invention includes a receiving module 301, a judging module 302, and a processing module 303, wherein:

[0069] The receiving module 301 is configured to receive the payment request information sent by the client, where the payment request information includes the payment amount.

[0070] Specifically, the payment request information received by the receiving module 301 includes: merchant information, product information and payment amount, and may also include client information (such as customer ID). Wherein, the merchant information may directly be the merchant's payment account number, or may be information that uniquely identifies the merchant (such as a merchant ID). In a specific application, the account information on the merchant side should be kept confidential relative to the client, so the merchant information is preferably a merchant ID, that is to say, the client only ne...

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PUM

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Abstract

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.

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
CPCG06Q20/08
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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