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

摘要

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 (30) receiving payment request information sent by a client end (10) (S201); comparing the sum of a credit overdraft limit and a credit loan limit of the client end (10) with a payment amount to determine whether an electronic commitment payment certificate can be created (S202); if yes, the funds-management server (30) respectively freezing the credit overdraft limit and the credit loan limit within a client end (10) account, the credit overdraft limit and the credit loan limit corresponding to the payment amount (S203); generating the electronic commitment payment certificate for the funds-management server (30) to commit to pay funds according to an agreed condition (S204); and sending the electronic commitment payment certificate to a merchant end (20) to make a credit commitment payment on behalf of the client end (10), and synchronising to an information centre server (40) (S205). The method supervises both parties in a transaction, reduces financial risk, and ensures the interests of both parties in the transaction.