Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

Cross-fund server-based payment system, method and apparatus as well as server

A technology of payment system and server, applied in the direction of payment system, payment scheme/model, instrument, etc., can solve problems such as difficulty in guaranteeing financial security, achieve the effect of promoting online transactions, enriching business, and reducing financial risks

Inactive Publication Date: 2016-12-07
SHENZHEN CIFPAY NETWORK BANK TECH
View PDF0 Cites 3 Cited by
  • 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

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Cross-fund server-based payment system, method and apparatus as well as server
  • Cross-fund server-based payment system, method and apparatus as well as server
  • Cross-fund server-based payment system, method and apparatus as well as server

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0028] 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 40 connected to each other ,in:

[0029] 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.

[0030] 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, credit ...

Embodiment 2

[0042] 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:

[0043] S201. The client 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 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

[0059] Such as image 3 As shown, a payment method for fund balance and credit line provided by the preferred embodiment of the present invention is applied to figure 1 In the shown payment system based on cross-fund server, the method includes the following steps:

[0060] S301. The client sends payment request information to the second fund management server, where the payment request information includes at least a payment amount.

[0061] Wherein, the payment request information is composed of multiple data packets, at least including merchant information, product information and payment amount. Client information (such as a client ID) can also be included. 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 identifi...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention discloses a cross-fund management server-based payment system, method and apparatus as well as a server, and belongs to the field of e-commerce. The method comprises the steps of receiving payment request information sent by a client through a second fund management server; comparing a sum of a fund balance and a credit extension loan amount of the client with a payment amount and judging whether an electronic commitment payment document can be issued or not; if yes, freezing the fund balance and the credit extension loan amount, corresponding to the payment amount, in a client account by the second fund management server; and generating the electronic commitment payment document on that the second fund management server is committed to paying fund according to agreed terms, and sending the electronic commitment payment document to a merchant end for performing credit commitment payment instead of the client. With the adoption of the technical scheme, two trading parties are supervised to lower the fund risk and guarantee the benefits of the two trading parties.

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

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
IPC IPC(8): G06Q20/24G06Q20/38G06Q30/00
CPCG06Q20/22
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com