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Cross-fund server payment system, method, device and servers

A payment system and server technology, applied in payment systems, payment schemes/models, instruments, etc., can solve the problem of difficulty in ensuring the security of funds, and achieve the effect of promoting network transactions, protecting interests, and ensuring the security of transaction funds.

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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  • Cross-fund server payment system, method, device and servers
  • Cross-fund server payment system, method, device and servers
  • Cross-fund server payment system, method, device and servers

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0027] 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, and a first fund management server 30 and a second fund management server connected to each other 40, of which:

[0028] 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.

[0029] 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 database of the fund management service. The account information of 10 includes information such as user ID, bank of account opening, account name, bank account number, c...

Embodiment 2

[0045] 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:

[0046] S201. The client sends payment request information to the second fund management server, where the payment request information includes a payment amount.

[0047] 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

[0066] Such as Figure 4 As shown, a payment device provided by an embodiment of the present invention includes a receiving module 301, a judging module 302, and a processing module 303, wherein:

[0067] The receiving module 301 is configured to receive the payment request information sent by the client, where the payment request information includes the payment amount.

[0068] Specifically, the payment request information received by the receiving module 301 includes: merchant information, product information and payment amount, and may also include client information (such as customer ID). Wherein, the merchant information may directly be the merchant's payment account number, or may be information that uniquely identifies the merchant (such as a merchant ID). In a specific application, the account information on the merchant side should be kept confidential relative to the client, so the merchant information is preferably a merchant ID, that is to say, the client only ne...

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PUM

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Abstract

The invention discloses a cross-fund management server payment system, a payment method thereof, a device and 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 client; the sum among the credit overdraft limit, the credit loan limit and the fund balance of the client is compared with the payment amount, and whether to open an electronic commitment payment voucher is judged; if yes, the second fund management server freezes the credit overdraft limit, the credit loan limit and the fund balance, corresponding to the payment amount, in a client account respectively; and an electronic commitment payment voucher for enabling the second fund management server to commit to pay the fund according to agreed terms is generated, and the electronic commitment payment voucher is sent to a merchant end for credit commitment payment on behalf of the client. 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 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): G06Q20/24G06Q20/38G06Q30/00
CPCG06Q20/22
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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