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.
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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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