Same fund server-based payment system, method, device and server

A payment system and server technology, applied in the server field, can solve problems such as the difficulty of guaranteeing fund security, and achieve the effect of protecting interests and reducing capital risks.

CN106203974AInactive Publication Date: 2016-12-07SHENZHEN CIFPAY NETWORK BANK TECH
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Publication Date
2016-12-07
Estimated Expiration
Not applicable · inactive patent

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Abstract

The invention discloses a same fund server-based payment system, method, device and server, and belongs to the field of e-commerce. The method comprises the following steps of: receiving payment request information sent by a client by a fund management server; comparing the sum of a credit overdraft limit, a credit extension loan limit and a fund balance of the client with a payment amount, so as to judge whether an electronic underwrite document can be given or not; if the judging result is positive; respectively freezing the credit overdraft limit, the credit extension loan limit and the fund balance, in an account of the client, corresponding to the payment amount by the fund management server; and generating the electronic underwrite document indicating that the fund management server promises to pay the fund according to an appointed condition, and sending the electronic underwrite document to a commercial tenant end to replace the client to carry out credit underwrite. By adopting such a technical scheme, the two trading parties are supervised so that the fund risk can be reduced and then the benefits of the two trading parties are ensured.
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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...

Examples

Embodiment 1

[0027] like figure 1 As shown, the embodiment of the present invention provides a payment system based on the same fund server, the system includes at least one client 10, at least one merchant terminal 20 and a fund management server 30, the fund management server 30 is connected to the client 10, and The merchant terminal 20 is connected, wherein:

[0028] The client terminal 10 is connected to the fund management server 30 and used to send payment request information to the fund management server 30, 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...

Embodiment 2

[0045] like 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:

[0046] S201. The fund management server receives payment request information sent by the client, where the payment request information includes at least a payment amount.

[0047] 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 ...

Embodiment 3

[0057] like image 3 As shown, a payment method for credit overdraft line, credit loan line and fund balance provided by the preferred embodiment of the present invention is applied to figure 1 In the shown payment system based on the same fund server, the method includes the following steps:

[0058] S301. The client sends payment request information to the fund management server, where the payment request information includes at least a payment amount; the fund management server receives the payment request information sent by the client.

[0059] Wherein, the payment request information is composed of multiple data packets, at least including merchant information, product information and payment amount. Can also include client information (such as client 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 ba...