CN1635505A - A fund settlement method and a fund settlement system - Google Patents

Abstract

This invention discloses an on spot payment method, which comprises the following steps: receiving the buyer input payment account, producer information and purchase information; executing authorization operations to the account; sending the group of settlement codes to the buyer; using the buyer information and the settlement codes form internet payment. The invention also discloses a fund settlement system.

Description

A fund settlement method and a fund settlement system

technical field

The invention relates to a payment mode for online shopping, more specifically, the invention relates to a fund settlement method and a fund settlement system capable of realizing on-site payment of bank accounts.

Background technique

The traditional online shopping process is divided into two categories: one is that the shopper selects commodities on the website provided by the merchant, and uses the BtoC payment platform provided by various banks or UnionPay to pay the merchant for the commodity. The usual BtoC payment platform transfers the corresponding money in the payment account to the merchant's account in the bank according to the price of the commodity, and notifies the merchant of the successful transfer information and amount. After confirming that the shopper has paid, the merchant will deliver the goods according to the shopper's payment order. The other type is: the shopper selects the product on the website provided by the merchant and notifies the merchant of the delivery location. After the merchant delivers the goods to the door and the shopper inspects the item, the shopper pays in cash. However, these two types of methods have a series of disadvantages.

For example: shoppers must trust the merchant to deliver the goods after payment has been received. This may expose shoppers to fraud by merchants or merchant employees, non-delivery or door-to-door goods that do not match the goods provided by the merchant on the website, or the responsibility of honest but negligent merchants in logistics delivery. on the risk. The possibility of this risk is very high, which makes consumers dare not easily purchase goods (especially bulk goods) in online shopping malls or purchase goods on merchant websites without prior experience.

For shoppers, although in the event of the above-mentioned various unfavorable situations (such as not receiving the goods, receiving goods that do not meet expectations, etc.), they can reasonably protect their own rights by contacting the merchant for negotiation or even through litigation. rights and interests, but this is a time-consuming and labor-intensive task for both the shopper and the merchant suspected of fraud, which will inevitably lead to a long wait for the recovery of the payment or the exchange of the goods after the dispute occurs. At the same time, there is still a payment Risk of non-recovery or non-replacement of goods.

Another disadvantage of the traditional online shopping process is that in the current shopping method, although the method of paying first and then receiving goods through the website is increasingly accepted, the traditional transaction mode of paying first and delivering first is still deeply rooted. For shoppers, the lack of confidence in the integrity of merchants makes them give up using the simple and convenient shopping mode of online shopping, or they are only willing to try to purchase small-value goods through the website. Or although shoppers may accept the merchant’s offer of door-to-door delivery and cash settlement, for bulk commodities, it is obviously unwise to prepare a large amount of cash on hand and wait for the merchant to deliver the goods to the door.

For merchants, due to the incompatibility between the existing traditional online settlement model and the current consumer-friendly model of money and goods, most potential shoppers are kept out of the door of online shopping. It is relatively difficult to expand the business scale of online shopping. Although merchants can also adopt the practice of receiving cash after delivery, the increase in cash flow will definitely increase financial costs and potential risks.

For the bank, if there is a dispute between the shopper and the merchant caused by the merchant’s failure to deliver the goods, although this is a problem caused by the merchant’s credit, the bank as the provider of the BtoC settlement solution is not responsible for the behavior of the seller and the buyer. However, shoppers often point the finger at the bank without knowing what it is, which involves the bank in unnecessary disputes, increases the cost of the bank's work, and at the same time has a certain impact on the image of the bank in the minds of shoppers.

Contents of the invention

The purpose of the present invention is to provide a brand-new BtoC fund settlement mode, so that the shopper and the merchant can realize the fund settlement of the payment while the merchant delivers the goods to the door without using cash.

To this end, the present invention provides a fund settlement method, including the following steps: receiving payment account information, merchant information and purchase information input by shoppers; performing pre-authorization operations on the payment account; sending a set of clearing passwords to the The shopper; and using the purchase information and the clearing password to make online payment.

In addition, the present invention also provides a fund settlement system, including: a shopper terminal, a merchant server, a communication network, and a bank server. Wherein, the communication network is used to connect the shopper terminal, the bank server and the merchant server. The merchant server is used to provide a shopping website, provide shoppers with the goods they need, and provide orders when shoppers shop through the shopping website, and the shopper terminal is used to send payment account information, merchant information and purchase information to the bank server, and the bank server It is used to receive the account information, merchant information and purchase information sent by the shopper through the shopper terminal, pre-authorize the shopper's payment account, generate a one-time clearing password, and notify the shopper of the generated clearing password; When the input clearing password matches the input order number, the bank server performs online payment.

The fund settlement method and payment system provided by the invention can provide a brand-new convenient on-site payment method, reduce the amount of cash used, and reduce the possibility of disputes between merchants and shoppers.

Description of drawings

Fig. 1 is a schematic diagram of a fund settlement system according to the present invention;

Fig. 2 is a flowchart of the fund settlement method according to the present invention; and

Fig. 3 is a flow chart of on-site payment based on purchase information and clearing password in the fund settlement method according to the present invention.

Detailed ways

An embodiment of the present invention will be described in detail below with reference to the accompanying drawings. Fig. 1 shows a schematic diagram of a fund settlement system according to the present invention. As shown in Figure 1, the fund settlement system according to the present invention includes a shopper terminal 301, a merchant server 302, a communication network 303, and a bank server 304, wherein the bank server 304 includes an online banking server 304a and a banking system 304b.

According to the present invention, the shopper terminal 301 may be a personal computer, or a mobile device capable of connecting to the communication network 303, or the like. The merchant server 302 is used for providing the merchant's shopping website, receiving shopping information of shoppers, and the like. The merchant server 302 may also be a server capable of providing public websites of multiple merchant shopping websites. The communication network 303 may be the Internet or other communication networks, and is used as a medium for information transmission between the shopper terminal 301 , the merchant server 302 and the bank server 304 .

According to the present invention, the shopper can first go to the bank to apply for opening the online payment function and establish a payment account, and the bank provides the online payment settlement service for the shopper according to the payment account. After receiving the customer's application, the banking outlet uses the acceptance terminal of the banking business system 304b to use the customer's payment account, payment password (this password may be different from the bank account password), payment amount (shoppers can use the bank clearing system to make online funds) The total amount of settlement, this amount has no necessary connection with the account balance, as shoppers use funds for online settlement, the use of funds will decrease, but customers can redefine this amount through bank outlets, online banking, and self-service channels, or directly transfer it to (equivalent to account balance) is registered in the online payment control table of the accounting system, and the information that the customer has opened this function is recorded in the online banking server 304a.

Of course, the bank can also use the account opening information registered by the shopper in the banking system to automatically establish a payment account for the shopper, and inform the shopper of the payment password and payment amount.

The merchant uses the terminal of the bank to register the merchant through the merchant registration transaction of the online banking. The transaction registers information such as the merchant code and merchant settlement account number in the merchant information table.

In the fund settlement system shown in Fig. 1, the shopper utilizes the shopper's terminal 301 to enter the shopping website provided by the merchant's server 302 through the communication network 303 to do shopping and generate an order (including an order number), and enters through the link provided by the merchant's server 302. The online payment page provided by the online banking server 304a, on which payment account information and purchase information are submitted. Wherein, the payment account information includes information such as the account number of the payment account opened by the shopper in the bank and the payment password of the payment account. Purchase information includes order number, merchant information and payment amount, etc. A business listing contains information such as a business name or a code.

If an agreement is signed between the merchant and the bank, the online banking server 304a can directly read the merchant information from the linked merchant server 302 . In this case, the buyer does not need to provide merchant information to the online banking server 304a.

After receiving the payment account information and purchase information sent by the shopper terminal 301, the bank server 304 checks whether the payment account information is valid and whether the merchant provided by the shopper is a registered merchant of the bank. For valid payment account information and registered merchants of the bank, the bank server 304 generates a set of unique one-time clearing passwords, and sets a valid period of the clearing passwords. When the validity period of the clearing password is exceeded, the clearing password becomes invalid. The bank server 304 returns the one-time settlement password to the shopper's terminal 301. The online banking server 304a sends the payment transaction message to the banking system 304b.

At this time, the banking system 304b uses the pre-authorization function in the transaction, first checks and then reduces the payment amount of the corresponding payment account in the online payment control table according to the transaction amount, and freezes the account balance in the payment account (control balance increase), Finally, the record is registered in the online banking transaction log, and the entry sign is pre-authorization.

In addition, the banking system 304b sets a pre-authorization validity period for a pre-authorization status. If the order is not cleared within the pre-authorization validity period (usually 10 days, parameter configuration is available), the system will automatically cancel the order. pre-authorization.

If the verification payment account information or the merchant information is invalid, then the information that cannot be traded is returned to the shopper's terminal and the merchant server 302.

Through the above operations, the merchant knows the order number of the transaction (the order number is generated after the shopper generates the order, the operator of the merchant is notified by a page of the merchant server 302, and displayed on a page on the shopper terminal 301 , so as to notify the shopper), the shopper has the corresponding clearing password, and the banking system 304b only freezes the transaction amount in the shopper's payment account, rather than the actual transfer of electronic money. , the funds in the payment account have not been deducted accordingly.

The merchant's delivery man carries a mobile Internet device when delivering the goods to the door. After the customer approves the goods, the deliveryman will enter the order number into the mobile Internet device, and the customer will enter the one-time settlement password into the mobile Internet device, and then enter the transaction amount (the input transaction amount can only be less than or equal to the order amount, greater than The input of the order amount will be regarded as equal to the payment of the order amount), after clicking confirm, the mobile Internet device encrypts the input data and sends it to the online banking server 304a to complete the data exchange.

The matching of the order number and the one-time password is verified by the online banking server 304a. When the order number matches the one-time password, the online banking server 304a sends an online banking on-site payment transaction message to the banking system 304b. The banking system 304b first judges whether the order record exists and whether the entry flag is pre-authorization or pre-authorization cancellation. If the entry sign of the order record is pre-authorization, first cancel the pre-authorization (when canceling the pre-authorization, change the entry sign of the order record to cancel the pre-authorization, and at the same time release the control balance in the payment account according to the pre-authorization amount and increase the online payment amount of the corresponding payment account in the payment control table), and then transfer the funds in the buyer’s payment account to the merchant’s settlement account according to the transaction amount, and reduce the payment amount of the corresponding payment account in the online payment control table according to the transaction amount, and finally Change the entry flag of the order record to settlement completed.

If the order exceeds the validity period of the pre-authorization and is cleared within the validity period of the clearing password, the system still allows the above-mentioned steps to be used for liquidation (because when the validity period of the pre-authorization is exceeded, the entry flag of the order has been automatically changed by the system to cancel the pre-authorization, so There is no need to judge the pre-authorization state and perform the operation of canceling the pre-authorization). However, there may be situations where the shopper's payment account has insufficient balance. In this case, the settlement fails, and the online banking server 304a transmits the failure information returned by the banking system 304b to the mobile Internet access device.

This situation may occur when the merchant delivers the goods to the buyer beyond the validity period of the pre-authorization and the buyer is willing to accept the goods.

If the entry flag of the order record is to release the pre-authorization, and the order number is still valid at this time, the funds in the payment account will be transferred to the merchant's settlement account according to the transaction amount, and at the same time, the corresponding payment account in the online payment control table will be reduced according to the transaction amount. Payment amount, and finally change the entry flag of the order record to settlement completed.

Optionally, when the deliveryman of the merchant delivers the goods to the door, the shopper terminal 301 can also be linked to the online banking payment page provided by the online banking server 304a. After the customer approves the goods, the deliveryman enters the order number, the customer enters the one-time settlement password, and then enters the transaction amount, which is sent to the online banking server 304a through the shopper terminal 301 for verification and settlement operations. Actually, according to the present invention, any device capable of securely sending the order number, the one-time settlement password and the transaction amount to the online banking server 304a can be used.

When the merchant wants to permanently cancel the original order due to lack of stock or other reasons, the online banking server 304a can be notified to remove the pre-authorization by using the order clearing page provided by the online banking server 304a to the merchant server 302 or through the bank counter terminal. The transaction amount for releasing the pre-authorization must be equal to the order amount. When the merchant cancels the pre-authorization through the online banking system, he first logs on to the merchant settlement page of the online banking, and the online banking server 304a sends an online payment settlement status inquiry transaction message to the banking system 304b, and the unsettled online payment record of the merchant is displayed on the On the online banking page, the displayed content includes transaction date, merchant order number, system serial number, order amount, etc.

The merchant selects the order records that need to be de-authorized in order to de-authorize. At this time, the online banking server 304a sends the transaction message of the order to the banking system 304b, uses the pre-authorization function in the transaction to increase the payment amount of the corresponding payment account in the online payment control table according to the transaction amount, and transfers the online banking transaction The entry flag of this record in the log is changed to cancel the pre-authorization, and the control balance on the customer's payment account is reduced. When the merchant cancels the pre-authorization through the bank terminal, he can use the online banking on-site payment transaction to cancel the pre-authorization function, and enter the merchant code, order number (you can check the transaction through the online payment settlement status), and the transaction amount to cancel the pre-authorization.

When the online banking server 304a judges that the order number does not match the clearing password, the online banking server 304a outputs an error message to the merchant server 302, indicating that online payment cannot be performed.

When both the order number and the clearing password are valid, when the online banking server 304a judges that the corresponding amount in the shopper's payment account is not in the pre-authorized state, the online banking server 304a continues to judge whether the balance in the shopper's payment account meets the requirements. Payment amount. When the balance in the shopper's payment account is less than the amount to be paid, the online banking server 304a outputs an error message to the merchant server 302, indicating that on-site payment cannot be performed. When the balance in the shopper's payment account meets the payment amount, the corresponding amount in the shopper's payment account is liquidated into the merchant's account, thereby completing the on-site payment processing.

The fund settlement method according to the present invention will be described in detail below with reference to FIG. 2 .

As shown in FIG. 2 , the fund settlement method according to the present invention starts at step 101 . In step 102, the online banking server 304a receives the account information, merchant information and purchase information input by the shopper through the shopper terminal 301. Wherein, the account information includes information such as the account number of the payment account opened by the shopper in the bank, the payment password of the account, and the payment amount. Purchase information includes order number and payment amount, etc.

The order number is generated when the shopper does shopping on the shopping website provided by the shopper's terminal 301 to the merchant's server 302, and is notified to the operator of the merchant by a page of the merchant's server 302, and is displayed on a page on the shopper's terminal 301, so that Notify shoppers. Of course, the order number can also be formed in other ways.

In a preferred embodiment of the present invention, the payment password can be used as a password specially used by shoppers for consumption payment. The function of the payment password is separate from the account password, and the payment password can be modified through the account password, which can avoid the risk of compromising the security of the account due to the disclosure of the password by the shopper during the payment operation. The above-mentioned payment password and payment amount can also be set by shoppers when they open an account in a bank, or they can be set in advance before online shopping after opening an account. Merchant information includes information such as merchant name and merchant code.

After that, the process goes to step 103. In step 103, it is determined whether the payment account information and merchant information received in step 102 are valid, that is, whether the payment account is a valid account registered in the banking system, and whether the merchant provided by the shopper is a registered merchant of the bank. When it is judged that the payment account information is valid and the merchant is a registered merchant of the bank, the flow goes to step 104 . In step 104, a pre-authorization operation is performed, that is, according to the purchase information received in step 102, the amount corresponding to the payment amount in the purchase information in the shopper's payment account is frozen, and the amount is recorded as a pre-authorization state .

Afterwards, the flow goes to step 105 . In step 105, a one-time settlement password is generated according to the purchase information, and the purchase information corresponding to the settlement password is stored. The generated clearing password is in one-to-one correspondence with the order number, merchant information and payment amount. Next, in step 106, the shopper is notified of the clearing password, and the merchant may be notified of the pre-authorization status and purchase information. At this point, the merchant can arrange for delivery. When the online shopping corresponding to the order number and payment amount is completed, that is, after the merchant's goods are delivered and the shopper pays with the clearing password, the clearing password will become invalid.

An outstanding advantage of the on-site payment method according to the present invention is that, as the bank that provides the fund transfer medium for both shoppers and merchants in online shopping, it can check whether the balance in the payment account meets the payment amount when performing pre-authorization operations . When the balance in the payment account is less than the payment amount, the pre-authorization operation will not be possible. In this case, the merchant cannot be notified of the pre-authorization status, so that the merchant can avoid the risk of being unable to pay due to insufficient funds of the shopper after the goods are delivered.

After that, the process goes to step 107. In step 107, on-site payment is made using the purchase information and settlement password. The specific process of on-site payment will be described in detail in conjunction with Figure 2. The process described in FIG. 2 ends at step 108 .

Fig. 3 is a flow chart of the on-site payment steps based on the purchase information and settlement password in the on-site payment method of the present invention. As shown in FIG. 3 , the process starts at step 201 . In step 202, the delivery person of the merchant delivers the goods ordered by the shopper to the shopper's home and after the shopper inspects the goods, the system receives the order number entered by the delivery person of the merchant and the shopping The one-time clearing password entered by the user and the actual payment amount. Afterwards, the process shown in FIG. 3 enters step 203 . In step 203, the above-mentioned order number, clearing password and payment amount are checked. When the above-mentioned order number, clearing password and payment amount correspond to each other, the process goes to step 204 . In step 204, it is determined whether the corresponding pre-authorized amount in the shopper's payment account is in a pre-authorized state. When it is judged to be in the pre-authorization state, the process shown in FIG. 3 enters step 205 . In step 205, the pre-authorization status of the corresponding amount in the payment account is released. After that, the flow goes to step 206 . In step 206, the actual payment amount (less than or equal to the amount of the canceled pre-authorization state) is settled in the merchant's account in the payment account. The process shown in FIG. 3 ends at step 207 .

In step 203 of the process shown in FIG. 3 , when it is verified that the order number, clearing password and payment amount do not correspond to each other, or when any one of the above-mentioned order number and clearing password does not exist, the process shown in FIG. 3 enters step 208 . In step 208, an error message is output, indicating that on-site payment cannot be made. The process shown in FIG. 3 ends at step 207 .

When it is determined in step 204 of the process shown in FIG. 3 that the corresponding amount in the payment account is not in the pre-authorization state, the process proceeds to step 209 . In step 209, it is judged whether the balance in the payment account meets the payment amount. When the balance in the payment account is less than the payment amount, the flow goes to step 208, and step 208 and its subsequent operations are executed. When the balance in the payment account satisfies the payment amount, the flow goes to step 206, and step 206 and its subsequent operations are executed.

According to the fund settlement method and the fund settlement system of the present invention, a predetermined pre-authorization period, such as 10 days, can be set during the pre-authorization operation. Within the pre-authorization period, the shopper cannot freely control the amount marked as pre-authorized, but can use the one-time shopping password to make on-site payment corresponding to the order number, merchant and payment amount. If the above-mentioned on-site payment operation is not performed after the pre-authorization period is exceeded, the pre-authorization status will be automatically released, so that the shopper can freely control this part of the amount. The setting of the pre-authorization period guarantees the shopper's requirements for the delivery period, and prompts the merchant to deliver the goods in time to complete the transaction.

At the same time, according to the fund settlement method and the fund settlement system of the present invention, the usage period of the one-time clearing password can also be preset, for example, 30 days. Within the period of use, regardless of whether the amount corresponding to the order number, merchant and payment amount in the payment account is pre-authorized or not, the shopper can use the one-time shopping password to make on-site payment corresponding to the order number, merchant and payment amount . Such a setting fully considers that the merchant will deliver the goods beyond the above-mentioned pre-authorization period, and the shopper is still willing to accept the goods, which provides convenience for the merchant and the shopper. The setting of automatic invalidation of the clearing password after the expiration date of the clearing password also takes into account the confidentiality of the payment account and the stability of social transactions.

Taking online shopping as an example, the fund settlement method and fund settlement system according to the present invention are described above. Those skilled in the art should understand that the fund settlement method and the fund settlement system are not limited to online shopping, and can also be applied to telephone shopping and bulk delivery shopping.

According to the fund settlement method and the fund settlement system of the present invention, on-site payment is supported when the payment amount input during on-site payment is less than the payment amount in the purchase information input and stored by the shopper before on-site payment. At the same time, when the payment amount input during on-site payment is greater than the payment amount in the purchase information input and stored by the shopper before on-site payment, on-site payment equal to the above-mentioned input and stored payment amount before on-site payment is supported.

Using the fund settlement method and the fund settlement system according to the present invention provides a brand-new method to provide shopping fund settlement for online transactions between merchants and individual customers, so that the convenience and safety of online transactions are more fully reflected.

Many other changes and modifications can be made without departing from the scope and spirit of the invention. It should be understood that the invention is not limited to particular embodiments. The scope of the invention is defined by the appended claims.

Claims (23)

1. capital settlement method may further comprise the steps:

Receive payment account information, merchant information and the purchase information of shopper's input;

Described payment account is carried out the pre-authorization operation;

One group of clearance password is sent to described shopper; And

Utilize described purchase information and described clearance password to carry out on-site payment.

2. capital settlement method according to claim 1, wherein,

Before carrying out the pre-authorization operation, judge the validity of this payment account information, merchant information and purchase information.

3. capital settlement method according to claim 2, wherein,

Described accounts information comprises the number of the account of the payment account that the shopper opens in bank and the payment cipher of the account, and described merchant information comprises the title or the code of trade company, and described purchase information comprises order number and payment.

4. capital settlement method according to claim 1, wherein, described pre-authorization operation is meant freezes the amount of money corresponding with described payment in described shopper's the payment account, and it is designated the pre-authorization state.

5. capital settlement method according to claim 3, wherein, described clearance password is the disposal password corresponding with described order number, merchant information and payment.

6. capital settlement method according to claim 3, wherein, the described step of utilizing described purchase information and clearance password to carry out on-site payment comprises the steps:

Receive described order number, clearance password and payment;

Check described order number, clearance password and payment;

When described order number, clearance password and payment mutually at once, then carry out the efficient context delivery operation; And

When described order number, clearance password and payment mutually not at once, output error message then.

7. capital settlement method according to claim 6, wherein, described efficient context delivery operation comprises the steps:

Judge whether the corresponding amount of money in the described payment account is in the pre-authorization state;

When the corresponding amount of money in the described payment account is in the pre-authorization state, then carry out the pre-authorization delivery operation; And

When the corresponding amount of money in the described payment account is not in the pre-authorization state, then carry out non-pre-authorization delivery operation.

8. capital settlement method according to claim 7, wherein, described pre-authorization delivery operation refers to the pre-authorization state of removing the corresponding amount of money in the described payment account, and the amount of money that will remove the pre-authorization state is cleared in the account of name of firm or code correspondence.

9. capital settlement method according to claim 7, wherein, described non-pre-authorization delivery operation comprises the steps:

Judge whether the remaining sum in the described payment account satisfies described payment;

When the remaining sum in the described payment account satisfies payment, then the amount of money corresponding with described payment in the described payment account is cleared in the corresponding account of name of firm or code; And

When the remaining sum in the described payment account is less than payment, output error message.

10. capital settlement method according to claim 1, wherein, before carrying out on-site payment, described trade company can ask to remove the pre-authorization state.

11. capital settlement method according to claim 10, wherein, the step of described releasing pre-authorization state comprises the steps:

Described merchant identification is tested;

Through check errorless after, remove the pre-authorization state of the corresponding amount of money that is identified as the pre-authorization state in the described payment account and with the cancellation of the order number of correspondence; And

Notify described shopper with the releasing of described pre-authorization state.

12. capital settlement method according to claim 1 wherein, is provided with a pre-authorization time limit in advance, makes to exceed the described pre-authorization time limit and when not carrying out on-site payment, the described pre-authorization state of the corresponding amount of money automatically terminates in the described payment account.

13. capital settlement method according to claim 1 wherein, is provided with clearance password term of life in advance, surpasses described clearance password term of life, described clearance password ceases to be in force automatically.

14. capital settlement method according to claim 3, wherein, described payment cipher is different from the account password of described payment account.

15. capital settlement method according to claim 1, wherein, described accounts information also comprises payment amount and Day Sum Limited, and described payment amount is that the shopper is when carrying out shopping online, the maximum payable amount of money of accumulative total, described Day Sum Limited are the maximum payable amount of money of shopping online accumulative total every day.

16. a financial account system comprises:

Shopper's terminal (301), merchant server (302) and bank server (304),

Described merchant server (302) is used to provide shopping website, provides the information of its required commodity to described shopper, and order is provided when described shopper does shopping by described shopping website,

Described shopper's terminal (301) is used for sending payment account information, merchant information and purchase information to described bank server (304),

Described bank server (304), be used to receive described accounts information, merchant information and the purchase information that the shopper sends by described shopper's terminal (301), payment account to the shopper carries out the pre-authorization operation, and generate disposable clearance password, notify the shopper with the described clearance password that generates;

When the described clearance password of being inputed was complementary with the order number of being imported, described bank server (304) carried out on-site payment.

17. financial account system according to claim 16 wherein, also comprises a communication network (303), is used to connect described shopper's terminal (301), described bank server (304) and described merchant server (302).

18. financial account system according to claim 16, wherein, described bank server (304) was checked the validity of described accounts information and described merchant information before carrying out the pre-authorization operation.

19. financial account system according to claim 16, wherein, described bank server (304) comprises Web bank's server (304a) and banking system (304b).

20. financial account system according to claim 16 wherein, also comprises a mobile internet surfing equipment, is used for described clearance password and described order number are sent to described Web bank server (304a).

21. financial account system according to claim 16, wherein, described bank server (304) carries out described pre-authorization operation in the following manner:

According to the described purchase information that receives, with in the described payment account with purchase information in the corresponding amount of money of payment freeze, and this amount of money is designated the pre-authorization state.

22. financial account system according to claim 21, wherein, described pre-authorization state has a pre-authorization time limit, and when not carrying out online payment when exceeding the described pre-authorization time limit, the described pre-authorization state of the corresponding amount of money automatically terminates in the described payment account.

23. financial account system according to claim 16, wherein, described clearance password has a term of life, surpasses described term of life, and described clearance password ceases to be in force automatically.

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