Title:
PAYMENT SYSTEM BASED ON SHARED FUNDS-MANAGEMENT SERVER, AND METHOD, DEVICE AND SERVER THEREFOR
Document Type and Number:
WIPO Patent Application WO/2016/173034
Kind Code:
A1
Abstract:
Disclosed are a payment system based on a shared funds-management server, and a method, device and server therefor, belonging to the field of e-commerce. The method comprises: a funds-management server receiving payment request information sent by a client end; comparing a funds balance or a credit overdraft limit or a credit loan limit of the client end with a payment amount to determine whether an electronic commitment payment certificate can be created; if yes, the funds-management server respectively freezing the funds balance within the client end account, the funds balance corresponding to the payment amount; generating the electronic commitment payment certificate for the funds-management server to commit to pay funds according to an agreed condition, and sending the electronic commitment payment certificate to a merchant end to make a credit commitment payment on behalf of the client end. Using the technical solution of the present invention to supervise both parties in a transaction reduces financial risk, and ensures the interests of both parties in the transaction.
More Like This:
| WO/2020/015533 | TRANSACTION PROCESSING METHOD AND APPARATUS, AND BLOCKCHAIN SYSTEM |
| JP2002222320 | MEMBER SHOP SERVICE SYSTEM HAVING ELECTRONIC TRANSFER NOTICE FUNCTION |
| WO/2004/012119 | AUTOMATED TRADING SYSTEM |
Inventors:
ZHANG YI (CN)
Application Number:
PCT/CN2015/080046
Publication Date:
November 03, 2016
Filing Date:
May 28, 2015
Export Citation:
Assignee:
SHENZHEN CIFPAY NETWORK BANK TECH CO LTD (CN)
International Classes:
G06Q20/10
Foreign References:
| CN104200356A | 2014-12-10 | |||
| CN103413241A | 2013-11-27 | |||
| US20090254431A1 | 2009-10-08 |
Attorney, Agent or Firm:
CHINA WISPRO INTELLECTUAL PROPERTY LLP. (CN)
深圳市威世博知识产权代理事务所（普通合伙） (CN)
深圳市威世博知识产权代理事务所（普通合伙） (CN)
Download PDF: