Network payment method and device, fund management server and system

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 and device, fund management server and system
  • Network payment method and device, fund management server and system
  • Network payment method and device, fund 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, and PADs. The account information of the client terminal 10 is filled in when the user registers and stored in the database of the fund management server. The account information of 10 includes user ID, account opening bank, account name, bank account n...

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 based on the same fund management server and a payment method and device thereof and the fund management server, and belongs to the field of electronic commerce. The method comprises the steps that the fund management server receives payment request information transmitted by a client side; the account credit loan amount of the client side and payment amount are compared and whether an electronic acceptance payment order can be made is judged; the fund management server freezes the credit loan amount corresponding to the payment amount in the account of the client side if the judgment result is yes; and the electronic acceptance payment order based on which the fund management server commits to pay the fund according to the agreed conditions is generated and the electronic acceptance payment order is transmitted to a merchant side which performs credit acceptance payment for the client side. With application of the technical scheme, both transaction sides are supervised so that the risk of the funk can be reduced and the benefits of the both transaction sides can be guaranteed.

Description

technical field [0001] The present invention relates to the field of electronic commerce, in particular to a payment system based on the same fund server and a payment method, device and server thereof. 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 pay...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/12
CPCG06Q20/08
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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