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