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
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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 a

Method used

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  • 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

Example Embodiment

[0027] Example one

[0028] Such as figure 1 As shown, an embodiment of the present invention provides a cross-fund server-based payment system. The system includes at least one client 10, at least one merchant 20, and a first fund management server 30 and a second fund management server 40 connected to each other. ,among them:

[0029] The client terminal 10 is connected to the second fund management server 40 and is used to send payment request information to the second fund management server 40, where the payment request information includes the payment amount.

[0030] Specifically, the client terminal 10 is suitable for the payer (buyer), including smart devices such as mobile phones, personal computers, PADs, etc. The account information of the client terminal 10 is filled in when the user registers and stored in the database of the fund management service. 10's account information includes user ID, account opening bank, account name, bank account number, credit line and other...

Example Embodiment

[0041] Example two

[0042] Such as figure 2 As shown, an embodiment of the present invention provides a cross-fund server-based payment method, which 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 the 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). Among them, the merchant information may directly be the merchant's payment account, or information that uniquely identifies the merchant (such as merchant ID), and the second fund management server searches the database for the bank account information corresponding to the merchant according to the merchant's unique identifier. In a specific application, t...

Example Embodiment

[0058] Example three

[0059] Such as image 3 As shown, the preferred embodiment of the present invention provides a method for payment of a fund balance and a credit loan line, which is applied to figure 1 In the shown payment system based on a 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 the payment amount.

[0061] Among them, the payment request information is composed of multiple data packets, including at least merchant information, product information, and payment amount. It can also include client information (such as client ID). Among them, the merchant information can be directly the merchant's payment account, or information that uniquely identifies the merchant (such as a merchant ID), and the fund management server searches the database for the bank account information corresponding to the merchant acco...

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PUM

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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

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Application Information

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IPC IPC(8): G06Q20/24G06Q20/38G06Q30/00
CPCG06Q20/22
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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