Title:
CROSS-FUNDS SERVER-BASED PAYMENT SYSTEM, AND PAYMENT METHOD, DEVICE AND SERVER THEREFOR
Document Type and Number:
WIPO Patent Application WO/2016/172949
Kind Code:
A1
Abstract:
A cross-funds management server-based payment system, and a payment method, device and server therefor, belonging to the field of e-commerce. The method comprises: a second funds management server receives payment request information sent by a client end (S202); the sum of a funds balance and a credit overdraft limit of the client end is compared with a payment amount, and it is determined whether an electronic commitment payment certificate can be opened (S203); if so determined, the second funds management server respectively freezes the funds balance and the credit overdraft limit within a client end account, the funds balance and the credit overdraft limit corresponding to the payment amount (S204); the electronic commitment payment certificate for the second funds management server to commit to pay funds according to an agreed condition is generated (S205), and the electronic commitment payment certificate is sent to a merchant end to perform a credit commitment payment on behalf of the client end. Using the method to supervise both parties in a transaction reduces financial risk, and ensures the interests of both parties in the transaction.
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Inventors:
ZHANG YI (CN)
Application Number:
PCT/CN2015/078050
Publication Date:
November 03, 2016
Filing Date:
April 30, 2015
Export Citation:
Assignee:
SHENZHEN CIFPAY NETWORK BANK TECH CO LTD (CN)
International Classes:
G06Q20/08
Foreign References:
| CN103827903A | 2014-05-28 | |||
| CN103827902A | 2014-05-28 | |||
| CN103186852A | 2013-07-03 | |||
| JP2012174075A | 2012-09-10 |
Attorney, Agent or Firm:
GUANGDONG GUANGHE LAW FIRM (CN)
广东广和律师事务所 (CN)
广东广和律师事务所 (CN)
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