CROSS-FUNDS MANAGEMENT SERVER-BASED PAYMENT SYSTEM, AND METHOD, DEVICE AND SERVER THEREFOR

[Technical field]

The invention relates to the field of electronic commerce, in particular to a based on cross-fund management server of the payment system and its method, device and the server.

[Background technology]

E-commerce has become more and more widely used in various commercial trading activities, the so-called electronic commerce is means in the commercial trade activities, the Internet under the open network environment, based on the browser and server application mode, achieving consumer on-line shopping, between businesses on-line transaction and on-line electronic payment and various kinds of business activities, transactions, financial activities and the associated integrated service activities of a business operating mode.

At present, many banks or enterprises provides a network payment service, allow the operation of the client computer, such as a mobile phone terminal equipment to realize the network payment, the net payment mode provides customers with very great facility. In the process of the network payment, the use of the debit card in a plurality of existing funds or credit card payment directly, or the existing funds or credit card in directly to allocate to the credit line of a 3rd party mechanism as secured transactions, once the merchant did not provide the goods or services when the customer dispute or occurs, the safety of the difficult to be guaranteed. It can be seen, at this stage the new payment system, method, device and server, in order to reduce the user's capital risk, the protection of the sale of the interests of both sides.

[The content of the invention]

In view of this, the present invention technical problem to be solved is to provide a based on cross-fund management server of the payment system and its method, device and server, in order to reduce the user's capital risk, the protection of the sale of the interests of both sides.

The invention to solve the above technical problem by adopting the technical scheme is as follows:

A based on cross-fund management server of the payment system, comprises at least one client, at least one merchant end, information center server with the client connection of the 2nd fund management server and connected with the merchants 1st fund management server, the management server and 2nd 1st funds of funds management server is connected and is respectively connected with the information center is connected to the server, wherein:

The client, for the 2nd funds to the management server at least includes the payment of the payment request information;

The merchant end, used for receiving the 2nd fund management server sends the payment of electronic commitment;

2nd fund management server, for receiving the client sending the payment request information; comparing the client fund balances and credit of the overdraft amount and with the payment amount, judges whether the payment generating electronic commitment to be paid; if, 2nd fund management server are respectively freezing said client account in the fund balances and credit overdraft amount, so that the freeze is greater than or equal to the total amount of the payment amount, generated by the commitment of the 2nd fund management server according to the stipulations of paying funds payment electronic commitment, and the electronic commitment to pay the voucher information to send to the merchants for the client credit commitment to pay, and the electronic commitment payment information synchronous to the information center server;

The 1st fund management server, for storing the 2nd fund management server sends the electronic commitment of the proof of payment information, and according to said electronic commitment payment information, the received payment amount to allocate to the merchants in the account;

Information center server, for storing the electronic commitment and monitoring the proof of payment information.

According to the invention of another aspect, provides a based on cross-fund management server of the payment method, the method comprises the following steps:

2nd funds management server receives the payment request information sent from the client, wherein the payment request information includes at least the payment amount;

Comparing the client fund balances and credit of the overdraft amount and with the payment amount, judges whether the payment generating electronic commitment to be paid;

If it can, the respectively freezing said client account in the fund balances and credit overdraft amount, so that the freeze is greater than or equal to the total payment amount; generating by the commitment of the 2nd fund management server according to the stipulations of paying funds payment electronic commitment, the electronic commitment to pay the voucher information to send to the merchants for the client credit commitment to pay, and the electronic commitment to pay voucher information synchronized to the information center server.

A based on cross-fund management server of the payment device, the device comprises a receiving module, the judging module and the processing module, wherein:

Receiving module, arranged to receive the 2nd fund management server connected to the payment request information sent from the client, wherein said payment request information comprises payment amount;

A judging module, arranged for comparison the client fund balances and credit of the overdraft amount and with the payment amount, judges whether the electronic commitment from a proof of payment;

Processing module, when allowing the payment is set, respectively freezing said client account in the fund balances and credit overdraft amount, so that the freeze is greater than or equal to the total payment amount; generating electronic commitment proof of payment, the electronic commitment payment information is transmitted to the 1st merchant end funds management server connected, and synchronized to the information center server.

A based on cross-fund management server of the server, the server includes any of the above a right requires the payment device.

The present invention provides cross-fund management server based on the payment system and its method, device and server, through financial management server and information center server for the sale of the two sides of the monitoring information, the merger of the regulatory function to the bank or other has credit capacity to pay of the mechanism; at the same time freeze client account respectively of the overdraft limit of fund balances and credit, and generating electronic commitment payment information to the central server synchronized to the real-time monitoring, can reduce the risks, the protection of the sale of the interests of both sides; this scheme has fully fund management server credit center and information of the central server of the wind control center function, in order to more optimized credit mechanisms to promote network transactions and security transaction funds security, for the parties to a transaction provides credit media, also through the supervision of the funds can reduce the risks, security trading interests of both sides. In addition, also by increasing the loan function is convenient for the customer, the abundant bank or other has credit capacity to pay of the business.

[Attached drawing Figure]

Figure 1 is the schematic view of the embodiment of the invention example one provides a based on cross-fund management server of the payment system;

Figure 2 is the flow chart of the embodiment of the invention example two provides a based on cross-fund management server method of payment;

Figure 3 is the flow chart of the embodiment of the invention example three provides a based on cross-fund management server method of payment;

Figure 4 is the module structure chart of the embodiment of the invention example four provides a based on cross-fund management server of the payment device;

Figure 5 is the module structure chart of the embodiment of the invention example five provides a based on cross-fund management server of the payment system.

[Embodiment]

In order to-launch invention the technical problem to be solved, the technical scheme and the beneficial effect is more clearly, understand, the following combined with drawings and embodiments, the present invention is further detailed description. It should be understood, described herein a specific embodiment of the invention used to interpret only, not for limiting the invention.

The implementation of the example one

As shown in Figure 1, the embodiment of the invention provides a based on cross-fund management server of the payment system, the system comprises at least one client 10, at least one of the merchants 20, information center server 50 and connected to each other 1st fund management server 30 and 2nd fund management server 40, wherein:

The client 10, with the 2nd fund management server 40 is connected, for to the 2nd fund management server 40 sends a payment request information, wherein the payment request information comprises payment amount.

In particular, the client 10 is suitable for the payer (buyer), comprises a mobile phone, personal computer, PAD intelligent devices such, client 10 account information is completed at the time of user registration, and stored in the fund management services and/or information center in the database of the server, the client 10 of the account information comprises a user ID, bank account, account name, bank account number, credit information such as the, may also include a customer receipt/service address information. Payment request information selected by the user is in the purchase of specific commodities after/services, fill/confirmation receipt/service address information, the client 10 according to preset rules according to the price of the goods/services, goods/services by the tenants of the generated data packet, the data packet is transmitted to the 2nd fund management server 40. Payment request information at least including the payment of the amount, can also include the merchant information and commodity information. Wherein the merchant information is merchant account can be directly receivable, operators can also be the only identification information (such as the merchant ID), by the 2nd fund management server 40 according to the traders of the unique identification from the database corresponding to the search operators in the bank account number information. In specific application, merchants 20 relative the client account information 10 should be confidential, so that the merchant information is preferably a merchant ID, 2nd fund management server 40 using the merchant ID with their receipts account number if there is corresponding relationship to query the merchant account receivable. In other words, client 10 only need to inform the 2nd fund management server 40 to which the tenants pay the amount of money which commodities, 2nd fund management server 40 can be out of the merchant account payment realization.

For merchants 20, with the 1st fund management server 30 is connected, is used for receiving the 2nd fund management server 40 sends the payment of electronic commitment.

In particular, the merchant end 20 is suitable for the collect money (seller), merchants including but not limited to server, POS machine and other equipment. Businesses including but not limited to manufacturers, agents, logistics companies and the like. The merchant information when the user account is registered and stored in the fund management server and/or the information in the database of the central server, the merchant information including but not limited to the merchant ID, the name of the merchant, the merchant account bank, merchant account name, merchant bank account number and other information. For merchants 20 receiving 2nd fund management server 40 sends the electronic commitment after payment, electronic commitment by extracting payment information in the commodity information and receiving information, goods will be designated as the transmission destination.

2nd fund management server 40, used for receiving a client 10 sends the payment request information; the client 10 of fund balances and credit payment of the overdraft amount compared with, judges whether the electronic commitment from a proof of payment; if allowed to pay, to freeze the client account in the amount of funds corresponding to the payment of the credit balance and the overdraft limit, generating by the 2nd fund management server 40 according to the agreed commitment conditions paying funds payment of electronic commitment, the electronic commitment to pay the voucher information to send to the merchants 20, and synchronized to the information center server 50.

In particular, 2nd fund management server 40 receives the payment request information of the data packet, according to the preset rules of the analyze, obtain the relevant payment information, the relevant payment information including but not limited to business information, commodity information and payment of the necessary information, i.e. which of the shops to which goods to pay the amount of money. 2nd fund management server 40 query client account bank fund balances and credit of the adequacy of the overdraft amount and this clearing, and if under, this payment is terminated, if sufficient, respectively corresponding to the freezing of the payment of the fund balances and credit the overdraft limit, so that the freeze is greater than or equal to the total amount of the payment amount, to be merchant recognizes the shipment or the customer to confirm the account the completion of the operation is carried out after the receipt of the transaction.

It can be understood, the freeze at the payment of the respectively corresponding fund balances and credit overdraft amount includes the following situation:

A, only the freezing of client account funds in balance, so that the freeze is greater than or equal to the total amount of the payment amount.

Second, the overdraft limit freeze credit only, so that the freeze is greater than or equal to the total amount of the payment amount.

Three, respectively the freezing in the client account fund balances and credit overdraft amount, so that the freeze is greater than or equal to the total amount of the payment amount.

Information center server 50, respectively with the 1st fund management server 30 and 2nd fund management server 40 is connected, for storing and monitoring the client 10 to businesses and end 20 of electronic commitment proof of payment information.

In particular, client 10 and businesses end 20 can be through the Internet to the information center server 50 to obtain the electronic commitment payment information in order to subsequent processing, such as the use of this data to the double-channel authentication information is correct or not. 2nd fund management server 40 can also be according to electronic commitment payment information further determines whether or not the state of the operation of the account, payment is requested only that the freezing of funds balance and credit is the overdraft limit, recognizing the signoff and then credit the account and deduction of the overdraft limit.

The embodiment of the invention, 2nd fund management server 40, can also simultaneously with a plurality of customer 10 and connected through the Internet. 1st fund management server 30, can also be at the same time with a plurality of merchant end 20 and connected through the Internet. The merchants 20 account server where the client 10 server where the not in the same server. 2nd fund management server 40 and 1st fund management server 30, can be physical significance of a single server, can also be a physical significance of multiple server, such as a plurality of physical server to work in parallel, according to the traffic of different, automatic allocation of server resources, common realize the fund management. 2nd fund management server 40 and 1st fund management server 30 including but not limited to banks, enterprises in the organization of the server. In the practical application, the same bank can be understood as a cluster of fund management server, but is not limited to banks, further can support flows in Internet other mechanism, also perhaps other has credit capacity to pay of the mechanism, also is usually said 3rd party mechanism. Through financial management server and information center server for the sale of the two sides of the monitoring information, the merger of the regulatory function to the bank or other has credit capacity to pay of the mechanism.

The implementation of the example two

As shown in Figure 2, the embodiment of the invention provides a based on cross-fund management server of the payment method, applied to the fund management server, the method that comprises the following steps:

S201, the client to the 2nd fund management server sends a payment request information, payment request information including the payment of the amount.

In particular, 2nd funds management server receives the payment request information includes: merchant information, commodity information and payment amount, can also include client information (such as the customer ID). Wherein the merchant information is merchant account can be directly receivable, operators can also be the only identification information (such as the merchant ID), by the 2nd fund management server according to the traders of the unique identification from the database corresponding to the search operators in the bank account number information. In specific application, the merchant account information relative to the end of the client should be confidential, so that the merchant information is preferably a merchant ID, 2nd fund management server using the merchant ID with their receipts account number if there is corresponding relationship to query the merchant account receivable. In other words, the client only needs to inform the 2nd fund management server to which the tenants pay the amount of money which commodities, 2nd fund management server can be out of the merchant account number of the implementation of the corresponding payment operation.

S202, 2nd funds management server receives the payment request information sent by the client;

S203, a querying client account funds of the credit balance and the sum of the overdraft amount, the fund balances and credit overdraft amount compared with the amount of the sum of the payment, if it is more than equal to, the note is sufficient, if it is less than, the note is not sufficient. When the fund balances and credit when the overdraft amount sufficient, executing step S204, otherwise ending, not paid;

S204, 2nd fund management server are respectively the freezing in the client account funds corresponding to the payment of the balance of the overdraft amount and credit; can be understood, the freeze at the payment of the respectively corresponding fund balances and credit overdraft amount includes the following situation:

1. only freeze client account funds in balance, so that the freeze is greater than or equal to the total amount of the payment amount.

2. the overdraft limit freeze credit only, so that the freeze is greater than or equal to the total amount of the payment amount.

3. respectively freezing in the client account fund balances and credit overdraft amount, so that the freeze is greater than or equal to the total amount of the payment amount.

S205, 2nd fund management server according to the payment request information and the freezing of information generating electronic commitment to pay evidence, and sent to the merchants;

In particular, because the payment request information is sent to the buyer through the client operation 2nd fund management server, its payment information is objectively by the customer to confirm and authorize the bank to pay. 2nd fund management server freezes the corresponding funds, while at the same time generates the payment information to produce the electronic commitment to pay evidence, merchants according to this commitment to pay for providing corresponding commodity/service.

S206, 2nd fund management server the electronic commitment merchant end payment sent to, and synchronized to the information center server and 1st fund management server. In particular, this step and the generated electronic voucher information to send to the information center server, so that the information server for subsequent tracking.

S207, 2nd paying funds management server receives the information;

S208, 2nd fund management server corresponding to the frozen amount allocation of funds to the 1st fund management server;

S209, 1st fund management server will receive the payment amount to the account of the account of the merchants.

The embodiment of the invention to provide method of payment, through the 2nd funds management server receives the client payment request information, according to the client account fund balances and credit of the overdraft amount and determining whether to allow the payment, respectively at the same time freeze through the client account in the overdraft limit of fund balances and credit, and generating electronic commitment payment information to the central server synchronized to the real-time monitoring, can reduce the risks, the protection of the sale of the interests of both sides.

The implementation of the example three

As shown in Figure 3, the invention a preferred embodiment provides a fund balances and credit the method of payment of the overdraft limit, is applied to the Figure 1 shown based on cross-fund management server of the payment system, the method comprises the following steps:

S301, the client to the 2nd fund management server sends a payment request information, payment request information includes at least the payment amount.

Wherein payment request information from a plurality of data packets, at least including merchant information, commodity information and payment amount. Can also include client information (such as the customer ID). Wherein the merchant information is merchant account can be directly receivable, operators can also be the only identification information (such as the merchant ID), by the funds management server according to the merchant unique identification from the database corresponding to the search operators in the bank account number information. In specific application, the merchant account information relative to the end of the client should be confidential, so that the merchant information is preferably a merchant ID, fund management server using the merchant ID with their receipts account number if there is corresponding relationship to query the merchant account receivable. In other words, the client only needs to inform the management server to which the funds of the shops which commodity payment of the amount of funds, capital management server can be out of the merchant account number of the implementation of the corresponding payment operation.

The client to the 2nd fund management server sends a payment request information of the prior mode mode can be carried out, for example using digital signature or digital envelope for sending. The digital signature is the casing as well as its own private key to the hash of the original data to encrypt the resulting data. Information recipient using the public key of the sender of the information attached to the original information of the digital signature obtained after decrypting the hash SUMMARY, and pass with their own using the received original data generated by the the Hasche picks to contrast, can be sure that the original information to be distorted. So as to ensure the data transmission of non-repudiation. Digital envelope adopts the password technology ensures that only specified receiving personnel can read the contents of the information. Digital envelope adopts the shan Yue cipher system and public key code system. A message sender first using random generated symmetric encryption information, then the recipient public key encryption symmetric encryption, public key encryption is symmetric cipher is referred to as the digital envelope. In the transfer information, information receiver to decryption information, must be used to their own private key to decrypt the digital envelope, to get the symmetrical password, can utilize the symmetrical cipher decryption of information available. So as to ensure the authenticity of data transmission and integrity.

S302, funds management server receives the payment request information sent from the client

In particular, 2nd funds management server receives the payment request information includes: merchant information, commodity information and payment amount, can also include client information (such as the customer ID). Wherein the merchant information is merchant account can be directly receivable, operators can also be the only identification information (such as the merchant ID), by the 2nd fund management server according to the traders of the unique identification from the database corresponding to the search operators in the bank account number information. In specific application, the merchant account information relative to the end of the client should be confidential, so that the merchant information is preferably a merchant ID, 2nd fund management server using the merchant ID with their receipts account number if there is corresponding relationship to query the merchant account receivable. In other words, the client only needs to inform the 2nd fund management server to which the tenants pay the amount of money which commodities, 2nd fund management server can be out of the merchant account number of the implementation of the corresponding payment operation.

S303, a querying client account funds of the credit balance and the sum of the overdraft amount, the fund balances and credit overdraft amount compared with the amount of the sum of the payment, if it is more than equal to, the note is sufficient, if it is less than, the note is not sufficient. When the fund balances and credit when the overdraft amount sufficient, executing step S305, otherwise, executing step S304;;

S304, the issuance of credit to the client asked whether credit lines; if necessary credit loan amount, executing step S305, otherwise the flow ends;

S305, determines the adequacy of the credit loan amount; sufficient here can be understood there are a number of case:

1. client account in the original fund balances and credit and part of the overdraft amount credit loan amount is greater than or equal to the sum of the amount of the payment amount, the view that the credit loan amount sufficient, on the other hand, is not adequate;

2. credit loan amount is greater than or equal to the payment of the amount of time, that the credit loan amount is sufficient, on the other hand, is not adequate.

In particular, the amount of credit loans can be is the client designated amount, can also be default is the lack of the amount of the payment. For example, when the customer selected a commodity price is 1500 RMBwhen (payment amount), if the customer account in the fund balances and credit overdraft amount only when the 900 RMB, need to be credit credit lines 600 RMB, can only be achieved to allow the payment standard, pay acts. Of course, using another method, such as direct for issuance of the credit loan amount 1500 RMB, pay, is also feasible.

S306, 2nd fund management server are respectively the freezing in the client account fund balances and credit overdraft amount and credit loan amount, so that the freeze is greater than or equal to the total amount paid, concrete can be divided into the following form:

1. only freeze client account funds in balance, so that the freeze is greater than or equal to the total amount of the payment amount.

2. freeze credit loan amount only, so that the freeze is greater than or equal to the total amount of the payment amount.

3. the overdraft limit freeze credit only, so that the freeze is greater than or equal to the total amount of the payment amount.

4. respectively the freezing part of the funds in the client account balance and a portion of the credit loan amount, so that the freeze is greater than or equal to the total amount of the payment amount.

5. respectively the freezing part of the funds in the client account with part of the credit balance of the overdraft limit, so that the freeze is greater than or equal to the total amount of the payment amount.

6. respectively the freezing part of the credit the account of the client credit lines and a portion of the credit overdraft amount, so that the freeze is greater than or equal to the total amount of the payment amount.

7. respectively in the client account credit freeze of the overdraft limit of credit lines and funds with the credit balance, so that the freeze is greater than or equal to the total amount of the payment amount.

S307, 2nd fund management server according to the payment request information and the freezing of information generating electronic commitment proof of payment;

In particular, because the payment request information is sent to the buyer through the client operation 2nd fund management server, its payment information is objectively by the customer to confirm and authorize the bank to pay. 2nd fund management server are respectively freeze funds or credit balance corresponding to the overdraft amount of credit or credit, while at the same time generates the payment information to produce the electronic commitment to pay evidence, merchants according to this commitment to pay for providing corresponding commodity/service.

S308, 2nd fund management server the electronic commitment merchant end payment sent to, and synchronized to the information center server and 1st fund management server. In particular, this step and the generated electronic voucher information to send to the information center server, so that the information server for subsequent tracking.

S309, 2nd funds management server receives the paying information; it should be stated, the step S408 in, tenants end fund management server sending and receiving paying information is merely a for example, in practical application, can also be composed of client, logistics server or other can know the delivery state of the entity to the fund management server sends paying information.

S310, 2nd fund management server corresponding to the frozen amount allocation of funds to the 1st fund management server; can be understood, according to S306 in different steps of the freeze mode, there will be a corresponding matching allocation of funds programme, corresponding to the allocation of funds to the account of the merchants.

S311, 1st fund management server will receive the payment amount to the account of the account of the merchants.

Finally, the flow ends.

The embodiment of the invention, on the basis of the implementation of the example two of, credit by increasing the credit function, the purchaser is not only convenient, but also greatly enriches the bank or other has credit capacity to pay the business of; in addition, also by increasing the information center server to both buyers and sellers of electronic commitment to pay supporting evidence synchronous tracking, the commodity of funds flow trajectory and the circulation track effective combination, so that the sale of the interests of both parties can be effectively protected.

The implementation of the example four

As shown in Figure 4, the embodiment of the invention to provide a payment device, comprises a receiving module 301, judging module 302, the processing module 303, wherein:

Receiving module 301, arranged to receive the 1st fund management server connected to the payment request information sent from the client, wherein the amount of the payment request information including the payment.

In particular, receiving module 301 received payment request information comprises: merchant information, commodity information and payment amount, can also include client information (such as the customer ID). Wherein the merchant information is merchant account can be directly receivable, operators can also be the only identification information (such as the merchant ID). In specific application, the merchant account information relative to the end of the client should be confidential, so that the merchant information is preferably a merchant ID, that is to say, the client only needs to inform the management server to which the funds of the shops which commodity payment of the amount of funds, by the device out of the merchant account number of the implementation of the corresponding payment operation.

Judging module 302, set according to the client fund balances and credit payment of the overdraft amount and determining whether to allow the payment.

As a preferred proposal, judging module 302 specific is set as: a querying client fund balances and credit the accounts of the overdraft limit; judging the client account fund balances and credit of the overdraft limit of greater than or equal to the payment of the amount, if it is, it is allowed to pay. So, firstly judged overdraft account fund balances and credit the amount of the sum of the capacity to pay, the preferred account fund balances and credit payment of the overdraft amount, can save the payment period, the interest of the protection. Wherein the client's bank account number or a credit card account number can be a client in the payment request information to inform the device in, can also be of the device is the client information from the database according to the query, obtaining the corresponding account fund balances and credit overdraft amount. Only at the client fund balances and credit overdraft amount greater than or equal to the payment of the amount, only that the client has the ability to pay acts, at this moment only to allow the payment.

As another preferred embodiment, a judging module 302 is also configured to: when the client account fund balances and credit the overdraft limit is less than the amount of the sum of the payment, to the client asked whether the need to issue credit loan amount; if necessary credit credit, the credit to the client account of the credit lines, allow the time payment; if not, this payment is terminated. In this way, not only is convenient for the buyer, the abundant bank or other has credit capacity to pay of the business. When adopting the fund management server according to the customer's bank account or credit card information obtained when the account, a client may have a plurality of account number, can also adopt the mixed payment mode. For example, when the customer selected a commodity price is 1500 RMBwhen (payment amount), its fund balances and credit of the overdraft amount and only when the 900 RMB, the client can be used to pay the amount of a total of 900 RMB, is unable to implement the payment; if the client account in the credit loan amount there when the 600 RMBcredit, apply for the issuance of credit by the credit lines 600 RMB, holds the use of 1500 RMBamount, the payment would be implemented.

Processing module 303, when allowing the payment is set, the freezing of the client account respectively in the fund balances and credit overdraft credit and credit loan amount, so that the freeze is greater than or equal to the total payment amount; generating electronic commitment proof of payment, the electronic commitment payment information is transmitted to the 2nd merchant end funds management server connected, and synchronized to the information center server.

Preferably, processing module 303 further comprises a freezing unit 3031, evidence to produce the unit 3032 and synchronization unit 3033, wherein:

The freezing unit 3031, when allowing the payment is set, the freezing of the client account respectively in the fund balances and credit overdraft credit and credit loan amount, so that the freeze is greater than or equal to the total amount of the payment amount;

Evidence to produce the unit 3032, set up as to produce electronic commitment proof of payment;

The sync unit 3033, is set as the electronic commitment to pay the voucher information to send to the merchant end, and synchronized to the information center server.

In addition, processing module 303 can also include the account unit, arranged to receive information to paying, will be paying to the synchronization information to the information center server, and will freeze the corresponding funds transfer to the 1st fund management server where the end of the account of the merchant.

It should be explained that, in the implementation of the above-mentioned method example three implementation example two and the technical characteristics of the device are in corresponding is suitable, not restated here.

In addition, the invention also provides a method for fund management server, the management server including the implementation of the funds in the example four payment device, not restated here.

The embodiment of the invention the payment device and server, through the receiving client payment request information, according to the buyer's fund balances and credit judge whether to allow to pay the overdraft limit, at the same time freeze client accounts are financial and credit overdraft amount, so that the freeze is greater than or equal to the total amount paid, and generating electronic commitment payment information to the central server synchronized to the real-time monitoring, can reduce the risks, the protection of the sale of the interests of both sides. In addition, also by increasing the credit credit function, the purchaser is not only convenient, but also greatly enriches the bank or other has credit capacity to pay of the business.

The implementation of the example five

As shown in Figure 5, the invention a preferred embodiment provides a based on cross-fund management server of the payment system, the system comprises a client 10, merchants 20 and with the client 10 is connected to the 2nd of funds management server 40, and with the merchants 20 connected 1st fund management server 30, and are respectively connected with the 1st fund management server 30 and 2nd fund management server 40 is connected to the information center server 50. Wherein:

Information center server 50, used for storing the electronic commitment and monitoring the proof of payment information.

The client 10, including the payment request module 101, is set to the 2nd fund management server 40 sends a payment request information, wherein the payment request information comprises: merchant information, commodity information and payment amount.

For merchants 20, comprise credential receiving module 201 and paying information sending module 202, wherein the voucher receiving module 201 is disposed to receive a 2nd fund management server 40 sends the payment of electronic commitment.

2nd fund management server 40 comprises a receiving module 301, judging module 302, and a processing module 303, wherein:

Receiving module 301, arranged to receive the 2nd fund management server 40 connected to the payment request information sent from the client;

Judging module 302, is arranged to compare the client fund balances and credit of the overdraft amount and with the payment amount, judges whether the electronic commitment from a proof of payment;

As a preferred embodiment, a judging module 302 is arranged to: judge the client account fund balances and credit of the overdraft limit of greater than or equal to the payment of the amount, if it is, it is allowed to pay; otherwise further judges whether the client account the loan balance is greater than or equal to the payment amount, if it is, it is allowed to pay.

Processing module 303, when allowing the payment is set, the freezing of the client account in the amount corresponding to the amount paid; generating electronic commitment proof of payment, the electronic commitment payment information is transmitted to the 1st funds management server is connected 30 tenants of the end 20, and synchronized to the information center server 50.

As a preferred embodiment, 2nd fund management server 40 of the receiving module 301 is further arranged for receiving paying information; processing module 303 also includes the account module, arranged to receive information to paying, will be paying to the synchronization information to the information center server 50, and will freeze the corresponding funds transfer to the merchant end 20 of the accounts.

In particular, because the payment request information through the client is a buyer 10 operation is transmitted to the 2nd fund management server 40 of, its payment information is objectively by the client 10 to confirm and to authorize payment. 2nd fund management server 40 are respectively the freezing of the corresponding fund balances and credit overdraft amount, while at the same time generates the payment information to produce the electronic commitment payment, electronic commitment payment information including but not limited to commodity information, payment amount (the freezing of funds or credit or credit the overdraft limit loan specified amount), delivery address and a validity period, its form is not limited to text, picture, graphic code and the like. The electronic commitment as payment for merchants 20 of the receive the money voucher, merchants 20 according to this commitment to pay for providing corresponding commodity/service.

Ordinary skill in the art can understand in realizing the above-mentioned method of the embodiment of all or part of the steps can be controlled by the program to control the associated hardware to complete, the program can be stored in a computer readable storage medium, the storage medium, such as ROM/RAM, magnetic disk, optical disk and the like.

The above reference to the Figure illustrates the preferred embodiment of the invention, and of the present invention non-therefore limited the range of rights. The technicians of this field without departing from the scope of the invention and the substance of any change in the, equivalent replacement and improved, should be of the invention within the scope of the rights.