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    • 5. 发明专利
    • CROSS-FUNDS MANAGEMENT SERVER-BASED PAYMENT METHOD
    • CA3058553C
    • 2022-07-19
    • CA3058553
    • 2015-05-28
    • CANADA LTD 10353744
    • ZHANG YI
    • G06Q20/38G06Q20/10
    • Disclosed are a cross Funds-Management server-based payment method belonging to the field of e-commerce. The method comprises: a second Funds-Management server receives payment request information sent by a client; the sum of a funds balance and a credit overdraft limit of the client is compared with a payment amount, and it is determined whether an electronic commitment payment certificate can be opened; if so determined, the second Funds-Management server respectively freezes the funds balance corresponding to the payment amount; the electronic commitment payment certificate to commit to pay funds according to an agreed condition is generated, and is sent to a merchant to perform a credit commitment payment on behalf of the client, and synchronised to an information centre server. 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.