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    • 17. 发明申请
    • Online Payment Method and Device
    • 在线支付方式和设备
    • US20120284147A1
    • 2012-11-08
    • US13517912
    • 2012-04-19
    • Qionglin NieLiang YangRenchen HuangYao ZhangPeng WeiXiaolong MaQun Wang
    • Qionglin NieLiang YangRenchen HuangYao ZhangPeng WeiXiaolong MaQun Wang
    • G06Q30/06
    • G06Q20/02G06Q20/12G06Q30/06
    • In a commerce transaction between a buyer and seller that involves transfer of an item, payment is made through an independent online payment system. A seller sends a threshold amount and a payment amount to a payment server for the transaction involving the item. The payment server creates an intermediate account based on the threshold amount and the payment amount. To proceed with the transaction, a buyer transfers a fund amount to the payment server. The payment server determines whether the fund amount is not less than the threshold amount, and if so, the payment server designates the fund amount as an account balance associated with the buyer in the intermediate account. The payment server then transfers funds corresponding to the payment amount from the intermediate account to an account designated by the seller after receiving a payment request indicating the buyer's receipt of the item.
    • 在买卖双方涉及转让物品的商业交易中,通过独立的在线支付系统付款。 卖方向涉及该项目的交易的支付服务器发送阈值金额和支付金额。 支付服务器根据阈值金额和支付金额创建一个中间账户。 要进行交易,买方将支付金额转入付款服务器。 支付服务器确定基金金额是否不小于阈值金额,如果是,则支付服务器将基金金额指定为与中间账户中的买方相关联的账户余额。 然后,付款服务器在接收到指示买方接收到该项目的支付请求之后,将与中间帐户相对应的支付金额的资金转移到由卖方指定的账户。