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Payment system based on different fund servers, payment method thereof, device and servers

A payment system and server technology, applied in the server field, can solve the problem of difficulty in guaranteeing fund security, and achieve the effect of promoting network transactions, enriching business, and reducing capital risks

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 different fund servers, payment method thereof, device and servers
  • Payment system based on different fund servers, payment method thereof, device and servers
  • Payment system based on different fund servers, payment method thereof, device and servers

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0031] Such as figure 1 As shown, the embodiment of the present invention provides a payment system based on different fund servers, the system includes at least one first terminal 10, at least one second terminal 20, a connected first fund management server 30, a second fund management server The server 40 is connected with the information center server 50, the first fund management server 30 is connected with the second terminal 20, and is used to operate the account of the second terminal 20, and the second fund management server 40 is connected with the first terminal 10, and is used for operating the account of the second terminal 20. The account of a terminal 10 is operated, wherein:

[0032] The first terminal 10 is configured to send payment request information to the second fund management server 40, wherein the payment request information includes a payment amount.

[0033] Specifically, the first terminal 10 is suitable for payers, such as terminals used by custome...

Embodiment 2

[0042] Such as figure 2 As shown, a payment method based on different fund servers provided by an embodiment of the present invention is applied to a fund management server, and the method includes the following steps:

[0043] S201. The first terminal sends payment request information to the second fund management server, where the payment request information includes a payment amount.

[0044] Specifically, the payment request information received by the second fund management server includes: merchant information, product information and payment amount, and may also include first terminal 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 spec...

Embodiment 3

[0057] Such as image 3 As shown, a payment method based on different fund servers provided by an embodiment of the present invention is applied to a fund management server, and the method includes the following steps:

[0058] S201. The first terminal sends payment request information to the second fund management server, where the payment request information includes a payment amount.

[0059] S202. The second fund management server receives the payment request information sent by the first terminal;

[0060] Specifically, the payment request information received by the second fund management server includes: merchant information, product information and payment amount, and may also include first terminal 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 info...

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PUM

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Abstract

The invention discloses a payment system based on different fund management servers, a payment method thereof, a device and fund management servers, which belong to the field of e-commerce. The method comprises steps: a second fund management server receives payment request information sent by a first terminal; the account balance of the first terminal and the payment amount are compared to judge whether to open an electronic commitment payment voucher; if yes, the second fund management server freezes the amount, corresponding to the payment amount, in the account balance of the first terminal; and an electronic commitment payment voucher for enabling the fund management server to commit to pay the fund according to agreed terms is generated, and the electronic commitment payment voucher is sent to the second terminal for credit commitment payment on behalf of the first terminal and is synchronized to an information center server. By adopting the technical scheme of the invention, both sides of transaction can be supervised to reduce the fund risks, and benefits of both sides of the transaction can be ensured.

Description

technical field [0001] The invention relates to the field of electronic commerce, in particular to a payment system based on different fund servers 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...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/16G06Q20/10G06Q40/02
CPCG06Q20/10
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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