| 摘要 |
Disclosed are a cross-funds management server-based payment system, and a 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; the sum of a credit overdraft limit and a credit loan limit of the client end 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 credit overdraft limit and the credit loan limit within a client end account, the credit overdraft limit and the credit loan limit corresponding to the payment amount; the electronic commitment payment certificate for the second funds management server to commit to pay funds according to an agreed condition is generated, 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 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. |
