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

A payment system and server technology, applied in the payment system, payment system structure, payment involving neutral parties, etc., can solve problems such as difficulty in guaranteeing fund security, achieve the effect of promoting online transactions, reducing capital risks, and enriching business

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

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0029] 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:

[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 c...

Embodiment 2

[0044] 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:

[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 ac...

Embodiment 3

[0062] Such as image 3 As shown, a payment method for fund balance and credit line provided by the 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:

[0063] S301. The client sends payment request information to the second fund management server, where the payment request information includes at least a payment amount.

[0064] Wherein, the payment request information is composed of multiple data packets, at least including merchant information, product information and payment amount. Client information (such as a client ID) can also be included. 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 identifi...

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PUM

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Abstract

The invention discloses a payment system, a payment method, a payment device and a server based on a cross-fund management server, and belongs to the field of electronic commerce. The method comprises the following steps: a second fund management server receives payment request information sent from a client side; comparing the sum of the fund balance and the credit extension loan extent of a client side with 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 second fund management server independently blocks the fund balance and the credit extension loan extent corresponding to the payment amount in a client side account; and the electronic acceptance payment order that the second fund management server promises to carry out fund solution pay according to agreed terms is generated, the electronic acceptance payment order is sent to a commercial tenant side to carry out credit commitment payment instead of the client side, and the electronic acceptance payment order is synchronized to an information center server. When the technical scheme of the invention is adopted, both transaction parties are both supervised to lower fund risks and guarantee benefits of both transaction parties.

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
CPCG06Q20/10
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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