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Payment system based on shared fund server and payment method, device and server thereof

A payment system and server technology, applied in the server field, can solve problems such as difficulty in ensuring fund security, and achieve the effect of promoting online transactions, enriching business, and reducing financial 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 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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  • Payment system based on shared fund server and payment method, device and server thereof
  • Payment system based on shared fund server and payment method, device and server thereof
  • Payment system based on shared fund server and payment method, device and server thereof

Examples

Experimental program
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Effect test

Embodiment 1

[0035] Such as figure 1 As shown, a payment system based on the same fund server provided by the embodiment of the present invention includes at least one client terminal 10, at least one merchant terminal 20, an information center server 40 and a fund management server 30, and the fund management server 30 is connected with Client 10, merchant terminal 20 and information center server 40 are connected, wherein:

[0036] The client terminal 10 is connected to the fund management server 30, and is used to send payment request information to the fund management server 30, wherein the payment request information includes the payment amount.

[0037] 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 server and / or information center server. In the database, the account information o...

Embodiment 2

[0046] Such as figure 2 As shown, a payment method based on the same fund server provided by the embodiment of the present invention is applied to the fund management server, and the method includes the following steps:

[0047] S101. The fund management server 30 receives payment request information sent by the client, where the payment request information includes at least a payment amount.

[0048] Specifically, the payment request information received by the 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 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...

Embodiment 3

[0063] Such as image 3 As shown, a payment method based on the same fund server provided by the embodiment of the present invention is applied to the fund management server, and the method includes the following steps:

[0064] S201. The fund management server 30 receives payment request information sent by the client, where the payment request information includes a payment amount.

[0065] Specifically, the payment request information received by the 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 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 acco...

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PUM

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Abstract

The invention discloses a payment system based on a shared fund management server and a payment method, a device and a fund management server thereof and belongs to the electronic commerce field. The method comprises the following steps that the fund management server receives payment request information sent by a client; a client credit overdraft limit is compared with a payment amount so as to determine whether an electronic commitment payment document can be issued; if the electronic commitment payment document can be issued, the fund management server freezes the credit overdraft limit in a client account, wherein the credit overdraft limit correspond to the payment amount; an electronic commitment payment document for the fund management server to commit to pay funds according to an agreed condition is generated, and the electronic commitment payment document is sent to a merchant end so as to make a credit commitment payment on behalf of the client and is synchronized to an information center server. Through using the technical solution of the invention, both parties in a transaction are supervised so as to reduce a financial risk, and ensure the interests of both parties in the transaction.

Description

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

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/16G06Q20/10G06Q40/02
CPCG06Q20/00
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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