Note: Descriptions are shown in the official language in which they were submitted.
CROSS-FUNDS MANAGEMENT SERVER-BASED PAYMENT SYSTEM, AND METHOD,
DEVICE AND SERVER
[Technical Field]
[0001] This invention refers to e-commerce field, especially, it is a cross
funds server-based
payment system and its method, device and server.
[Background Technology]
100021 E-commerce has become increasingly widely used in a variety of
commercial trade
activities, the so-called e-commerce is a business operation model that based
on the browser and
server applications helps consumer realize online shopping, online
transactions between merchants
and online electronic payments, as well as a variety of business activities,
trading activities,
financial activities and related integrated service activities in the
commercial trade, and in the
Internet open network environment.
100031 At present, many banks or enterprises have provided a network of
payment services,
allowing customers to operate computers, mobile phones and other terminal
equipment to achieve
network payment, the way of the network payment provides customers with a
great convenience.
But in the process of network payment, the payment is conducted by directly
using the existing
funds in the debit cards or credit card, or allocating the credit limit of the
existing funds or credit
card to the third party as a guarantee for the transaction, once the merchant
does not provide goods
or service, or disputes occur, the financial security is difficult to be
guaranteed. Thus, the need for
new payment systems, methods, devices and servers at this stage to reduce the
risk of user funds
and to protect the interests of buyers and sellers.
[Summary of the invention]
100041 In view of the above, the technical problem to be solved by the present
invention is to
provide a payment system, and its payment method, device and server based on a
cross Funds-
Management server to reduce the risk of user funds, and to protect the
interests of buyers and
sellers.
100051 The technical solution of the present invention to solve the above-
mentioned technical
problems is as follows:
100061 A payment system based on a cross Funds-Management server including at
least one first
terminal, at least one client terminal, a second Funds-Management server
connected to the
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information centre and client, and a first Funds-Management server connected
to the merchant, the
first Funds-Management server and the second Funds-Management server are
connected with the
information centre server respectively, wherein:
[0007] The said client for sending payment request information including at
least the payment
amount to the said second Funds-Management server;
[0008] The said Merchant for receiving the electronic commitment payment
certificate sent by the
second Fund-Management server;
[0009] The second Funds-Management server is used for receiving payment
request information
delivered by the client; comparing the sum of the credit overdraft limit,
credit loan limit and the
funds balance with the payment amount to determine whether an electronic
commitment payment
certificate can be created; if possible, the second Funds-Management server
respectively freeze the
credit overdraft limit, credit loan limit and the funds balance within the
client account, making the
freezing funds exceeds or equals to the payment amount; generating the
electronic commitment
payment certificate of the second Funds-Management server to commit to pay
funds according to
the agreed condition, and sending the electronic commitment payment
certificate to the merchant to
make a credit commitment payment on behalf of the client and synchronize the
electronic
commitment payment certificate information to the information centre server.
100101 The first Funds-Management server is configured to store the electronic
payment document
information transmitted by the second Funds-Management server and allocate the
received payment
amount to the Merchant and account based on the electronic payment document
information;
100111 The information centre server for storing and supervising the
electronic commitment
payment certificate information.
[0012] According to another aspect of the present invention, there is a
payment method based on a
cross Funds-Management server, the method comprises the steps of:
[0013] The second Funds-Management server receives the payment request
information sent by
the client, wherein the payment request information includes at least the
payment amount;
100141 Comparing the sum of credit overdraft limit, credit loan limit and
funds balance to
determine whether an electronic commitment payment certificate can be
generated to make a credit
commitment payment;
100151 If possible, the second Funds-Management server will freeze the credit
overdraft limit,
credit loan limit and funds balance within the client account, making the
freezing funds exceeds or
equals to the payment amount; generating the electronic commitment payment
certificate of the
second Funds-Management server to commit to pay funds according to the agreed
condition, and
delivering the electronic commitment payment certificate to the merchant which
is connected to the
first Funds-Management server to make a credit commitment payment on behalf of
the client, and
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synchronize the electronic commitment payment certificate to the information
centre server.
[0016] A payment device based on the cross Funds-Management server, the said
device
comprising a receiving module, a judging module and a processing module,
wherein.
100171 The receiving module is configured to receive payment request
information transmitted by
the client connected with the second Funds-Management server, wherein the
payment request
information includes a payment amount;
100181 The judgement module is configured to compare the credit overdraft
balance, credit loan
limit and funds balance and the payment amount in the client amount,
determining whether the
electronic commitment payment certificate is generated;
[0019] When the processing module is configured to freeze the credit overdraft
limit, credit loan
limit and funds balance in the client account when the payment is allowed so
that the total amount
of the freezing is greater than or equal to the payment amount; generating an
electronic commitment
payment certificate, and deliver it to the merchant connected to the first
Funds-Management server,
and synchronize the electronic commitment payment certificate to the
information centre server.
[0020] The present invention provides a payment system based on different
Funds-Management
server and its method, device and server, supervises the information of the
buyers and sellers
through the Funds-Management server and the information centre server, and the
regulatory
function is merged into the bank or other institutions with payment ability;
meanwhile, freezes the
client account credit overdraft limit, credit loan limit and funds balance,
generates electronic
payment certificates and synchronize the information centre server for real-
time monitoring,
reduces the risk of funds to protect the interests of the buyers and the
sellers; this program makes
full use of the risk control centre function of the credit centre of the Funds-
Management server and
the information centre server, facilitates the security of on-line
transactions and guarantees
transaction funds with a more optimized credit mechanism, provides credit
media for both parties to
the transaction, and reduces the risk of funds through the supervision of
funds to protect the
interests of both parties. In addition, it brings convenience to the customer
by adding loan functions,
which also enriches businesses of banks or other institutions with credit
payment ability.
[Brief Description]
[0021] Figure 1 is a schematic diagram of the payment system based on a cross
Funds-
Management server that provided by the first example of the present invention;
[0022] Figure 2 is a flow chart of the payment method based on the cross Funds-
Management
server provided by example 2 of the present invention;
[0023] Figure 3 is a block diagram of a payment device based on a cross Funds-
Management
server provided by the example 3 of the present invention;
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[0024] Figure 4 is a block diagram of a payment system based on a cross Funds-
Management
server provided by the example 4 of the present invention.
[Description of the Preferred Examples]
[0025] The present invention will be described in further detail with
reference to the
accompanying drawings and the accompanying example, in which the technical
problems, technical
solutions and advantages to be solved by the present invention will become
more apparent. It is to
be understood that the specific examples described herein are merely
illustrative of the invention
and are not intended to limit the invention.
[0026] Example 1
[0027] As shown in Figure 1, it provides a cross Funds-Management server
payment system
includes at least one client 10, at least one merchant 20, information centre
50 and interconnected
first Funds-Management server 30 and a second Funds-Management server 40,
wherein:
[0028] The client 10 is connected with server 40 of the second Funds-
Management server for
transmitting the payment request information to the second Funds-Management
server 40, and the
payment request information includes the payment amount.
[0029] Specifically, the client 10 is suitable for the payer (buyer),
including the account
information of mobile phone, personal computer, PAD, and other intelligent
devices, the account
information of the client 10 is filled in when the customer registers and
stored in the database of the
Funds-Management service and (or) the information centre server, the account
information of the
client 10 includes customer ID, an account opening bank, account name, a bank
account number,
and a credit balance, and may also include the customer's shipping address.
The payment request
information is the information that the customer has written and confirmed
shipping address
information after the customer purchases the specific goods/services.
According to the pre-set rules,
price of the goods/services, and commercial Merchants of the goods/services,
the client 10
generates data package; the packet will be transmitted to the second Funds-
Management server 40.
The payment request information includes at least the payment amount, and may
include the
Merchant information and the product information. Among them, the Merchant
information can be
directly the Merchant's receiving account, it can also uniquely identify the
Merchant information
(for an example, Merchant ID), by the second Fund-Management server 40 on the
unique
identification of the merchant from the database to find the corresponding
bank account
information. In the specific application, the account information of the
Merchant 20 should be kept
confidential with respect to the client 10, so the Merchant information is
preferably the Merchant
ID, and the second Fund-Management server 40 inquires the Merchant's receiving
account by using
the corresponding relationship between the Merchant ID and its receiving
account number. In other
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words, the client 10 only needs to inform the second Funds-Management server
40 to which
Merchant and which goods to pay the amount of funds, the second Fund-
Management server 40
will be able to call out the Merchant account to implement the appropriate
payment operation.
[0030] The Merchant 20 is connected to the first Fund-Management server 30 for
receiving the
electronic commitment payment certificate transmitted by the second Fund-
Management server 40.
[0031] Specifically, the Merchant 20 is adapted to the recipient (Merchant),
and the Merchant
includes but not limited to devices such as servers, and POS machines and so
on. Merchants include
but not limited to manufacturers, agents, logistics companies, etc. The
merchant information is also
registered in the database of the Fund-Management server and (or) the
information centre server,
and the merchant information includes, but not limited to merchant ID,
merchant name, merchant
opening bank, merchant account name, and merchant bank account number. The
Merchant 20
receives the electronic commitment payment voucher transmitted from the second
Funds-
Management server 40, and extracts the merchandise information and the goods
receipt information
in the electronic commitment payment voucher information to designate the
merchandise
transmission destination.
[0032] The funds management server 40 is used for receiving payment request
information
delivered by a client 10; comparing the sum of credit overdraft limit, credit
loan limit and a funds
balance in the client 10 with a payment amount to determine whether an
electronic commitment
payment certificate can be created; if possible, freezing the payment amount
corresponding to the
credit overdraft limit and credit loan limit and funds balance within a client
account; generating the
electronic commitment payment certificate by the second Funds-Management
server 40 to make a
commitment to pay funds according to an agreed condition, and delivering the
electronic
commitment payment certificate to a merchant 20 and synchronize to the
information centre server
50.
[0033] Specifically, the second Funds-Management server 40 receives the packet
of the payment
request information and analyses it according to the reset rule to obtain the
relevant payment
information including but not limited to the Merchant information, the
merchandise information,
and the payment amount And other necessary information, that is, to which
Merchant which goods
to pay the amount of money. The second Funds-Management server 40 inquires
whether the balance
of the bank funds and the credit overdraft amount of the client account is
sufficient for the current
settlement, and if it is insufficient, the payment is terminated and, if
sufficient, the balance of the
payment amount and the amount of credit overdraft, So that the total amount of
the freeze is greater
than or equal to the amount of the payment, until the merchant confirms the
delivery or the
customer confirms the receipt after the transfer operation.
[0034] It is understandable that the frozen payment amount corresponding to
the credit overdraft
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limit, credit loan limit and funds balance included the following cases:
[0035] 1. Only the balance of the funds in the client account is frozen so
that the total amount of
the frozen is greater than or equal to the payment amount.
[0036] 2. Only the credit loan limit is frozen so that the total amount of the
greater than or equal to
the payment amount.
[0037] 3. Only to freeze the amount of credit overdraft limit, so that the
total amount of frozen are
greater than or equal to the amount of the payment.
[0038] 4. Respectively, to freeze the balance of funds and credit overdraft
limit of the client's
account, making the total amount of frozen greater than or equal to the amount
of the payment.
[0039] 5. Respectively, to freeze part of the balance of funds and credit loan
limit of the client's
account, making the total amount of frozen greater than or equal to the amount
of the payment.
[0040] 6. Respectively, to freeze part of the credit loan limit and credit
overdraft limit of the
client's account, making the total amount of frozen greater than or equal to
the amount of the
payment.
[0041] 7. Respectively, to freeze part of the credit loan limit and credit
overdraft limit of the
client's account, as well as the funds balance, making the total amount of
frozen greater than or
equal to the amount of the payment.
[0042] The information centre server 50 is respectively connected to the Funds-
Management
server 30 and second Funds-Management server 40 for storing and supervising
the electronic
commitment payment certificate information of the client 10 and the merchant
20.
100431 Specifically, both the client 10 and the merchant 20 can obtain the
electronic commitment
payment certificate information to the information centre server 50 via the
Internet for subsequent
processing, such as the correctness of the dual channel authentication
information using the data.
The second Funds-Management server 40 may further determine whether or not the
payment
operation is made in accordance with the state of the electronic commitment
payment certificate
information, that is, the payment request only freezes the balance of the
credit overdraft limit, credit
loan limit and funds balance, transferring and deducting the credit loan limit
after confirming
receipt.
[0044] In the present example, the second Funds-Management server 40 may be
connected to the
plurality of clients 10 and via the Internet at the same time. The first funds-
management server 30
may be connected to a plurality of Merchant terminals 20 and via the Internet
at the same time. That
is, the server where the Merchant 20 is located is not on the same server as
the server where the
client 10 is located. The second Fund-Management server 40 and the first Fund-
Management server
30 can be a single server in the physical sense, or it can work in parallel
for multiple servers in the
physical sense, such as multiple physical servers. According to the different
traffic, the resources of
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the server are automatically allocated to realize the Fund-Management. The
second Fund-
Management server 40 and the first Fund-Management server 30 includes but is
not limited to
servers in institutions such as banks, businesses, and so on. In the practical
applications, it can be
understood as the same bank's cluster Fund-Management server, but not limited
to banks, but also
the Internet to support the flow of funds in other institutions. Through the
Funds-Management
server and information centre server, the seller and seller of information are
regulated, and the
regulatory functions are merged into the bank or other institutions with
credit ability to pay.
[0045] Example 2
[0046] As shown in Figure 2, an example of the present invention provides a
payment method
based on a cross Funds-Management server for use in a fund server-based, which
method comprises
the following steps:
[0047] S201, the client transmits the payment request information to the
second Funds-
Management server, and the payment request information includes the payment
amount.
[0048] Specifically, the payment request information received by the second
Fund-Management
server includes Merchant information, product information and payment amount,
and it may also
include the client information (for an example, client ID). Among them, the
merchant information
can be merchants' account number, and it can also be the only identification
of the merchant
information (such as merchant ID), to find the corresponding bank account
information based on
the unique identification of the business from the database by the second
Funds-Management
server. In the specific application, the account information of the Merchant
should be kept
confidential with respect to the client .so the Merchant information is
preferably the Merchant ID,
and the second Funds-Management server inquires the Merchant's receiving
account by using the
corresponding relationship between the Merchant ID and its receiving account
number. In other
words, the client only needs to inform the second Fund-Management server to
which Merchant and
which goods to pay the amount of funds, the second Fund-Management server will
be able to call
out the Merchant account to implement the appropriate payment operation.
[0049] S202, the second Fund-Management server receives the client to send the
payment request
information;
[0050] S203, inquiring the sum of the credit overdraft limit, credit loan
limit and funds balance,
and comparing the sum of the credit overdraft limit, credit loan limit and
funds balance with the
payment amount, if the sum is greater than or equal to the amount, it
indicates sufficient; if the sum
is less than the amount, it indicates insufficient. When credit overdraft
limit, credit loan limit and
funds balance is sufficient, the step S204 will be executed, otherwise not to
pay;
[0051] S204 and the second Funds-Management server respectively freeze the
credit overdraft
limit, credit loan limit and funds balance corresponding to the payment amount
in the client
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account; it is understandable that the freezing the amount of the credit
overdraft limit, credit loan
limit and funds balance corresponding to the payment amount of funds balance
including the
following circumstances:
[00521 1. Only the balance of the funds in the client account is frozen so
that the total amount of
the frozen is greater than or equal to the payment amount.
[00531 2. Only the credit loan limit is frozen so that the total amount of the
greater than or equal to
the payment amount.
100541 3. Only to freeze the amount of credit overdraft limit, so that the
total amount of frozen are
greater than or equal to the amount of the payment.
100551 4. Respectively, to freeze the balance of funds and credit overdraft
limit of the client's
account, making the total amount of frozen greater than or equal to the amount
of the payment.
100561 5. Respectively, to freeze part of the balance of funds and credit loan
limit of the client's
account, making the total amount of frozen greater than or equal to the amount
of the payment.
100571 6. Respectively, to freeze part of the credit loan limit and credit
overdraft limit of the
client's account, making the total amount of frozen greater than or equal to
the amount of the
payment.
[00581 7. Respectively, to freeze part of the credit loan limit and credit
overdraft limit of the
client's account, as well as the funds balance, making the total amount of
frozen greater than or
equal to the amount of the payment.
100591 S205, the second Funds-Management server generates the electronic
commitment payment
certificate based on the payment request information and the freezing
information and transmits the
electronic commitment payment certificate to the Merchant;
100601 Specifically, since the payment request information is sent by the
buyer to the second
Fund-Management server through the client's operation, the payment information
is objectively
confirmed by the customer and authorized by the bank. The second Fund-
Management server
freezes the corresponding funds and generates an electronic commitment payment
certificate based
on the payment information, and the Merchant provides the corresponding
merchandise/service
according to the electronic commitment payment certificate.
100611 S206, the second Funds-Management server delivers the electronic
payment certificate to
the merchant and synchronizes to the first Funds-Management server;
Specifically, this step sends
the generated electronic certificate information to the information centre
server so that the
information centre server performs subsequent tracking.
100621 S207, the second Funds-Management server receives the payment
information;
100631 S208, the second Fund-Management server allocates the funds
corresponding to the
freezing amount to the first Fund-Management server;
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100641 S209, the first Fund-Management server transfers the received payment
amount to the
account of the Merchant.
100651 The payment method based on the payment method provided by the example
in the present
invention receives the payment request information of the client through the
second Funds-
Management server, based on the sum of credit overdraft limit, credit loan
limit and funds balance
of the buyer to determine whether to pay or not, and by freezing the credit
overdraft limit, credit
loan limit and funds balance in the client account and generating electronic
commitment payment
certificate and synchronize to the information centre for conducting real-time
monitoring, which
can reduce the risk of funds to protect the interests of the buyers and the
sellers.
100661 Example 3
100671 As shown in Figure 3, an example of the present invention provides a
payment device
including a receiving module 301, a judgement module 302, and a processing
module 303, wherein:
100681 The receiving module 301 is configured to receive payment request
information delivered
by the second Funds-Management server, wherein the payment request information
includes a
payment amount.
100691 Specifically, the payment request information received by the receiving
module 301
includes merchant information, product information and payment amount, and may
include
merchant information (for an example, client ID). Among them, the merchant
information can be
merchants receiving account, and the merchant information can also be uniquely
identified (such as
business ID). In the particular application, the account information of the
merchant should be kept
confidential from the client, so the merchant information should be the
merchant ID, that is, the
client simply informs which merchandise of which merchant is paid by how much,
then the device
call out of the merchant account number to implement the corresponding payment
operation.
100701 The judgement module 302 is configured to determine whether or not to
allow payment
based on the credit overdraft balance, credit loan limit and funds balance and
the payment amount.
100711 As a preferred scheme, the judgement module 302 is specifically
configured to inquiry the
client's credit overdraft limit, credit loan limit and funds balance; and
determined whether the credit
overdraft limit, credit loan limit and funds balance of the client account are
greater than or equal to
the payment amount, if possible, it is allowed to pay. In this way, in order
to determine the sum of
credit overdraft limit, credit loan limit and funds balance of the payment
capacity, using the
payment method of credit overdraft limit, credit loan limit and funds balance
in advance, it can save
the payment cycle to protect the interests of merchant. And the bank account
or the credit card
account may be notified by the client to the device in the payment request
information, or the device
may inquire from the database based on the client information and obtain the
funds corresponding
to the credit overdraft limit, credit loan limit and funds balance of the
account. Only credit overdraft
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limit, credit loan limit and funds balance in the client are more than or
equal the payment amount, it
shows that the client has the ability to pay, and then the payment behaviour
is allowed.
[0072] The processing module 303 configured to freeze the credit overdraft
limit, credit loan limit
and funds balance in the client account when the payment is allowed so that
the total amount of the
freezing is greater than or equal to the payment amount; generating an
electronic commitment
payment certificate, and deliver it to the merchant connected to the second
Funds-Management
server, and synchronize the electronic commitment payment certificate to the
information centre
server.
[0073] Preferably, the processing module 303 further includes a freeze unit
3031, a certificate
generation unit 3032, and a synchronization unit 3033, wherein:
[0074] The freezing unit 3031 is configured to freeze the credit overdraft
limit and the credit loan
limit in the client account when the payment is allowed so that the total
amount of the freezing are
greater than or equal to the payment amount;
[0075] The credential generation unit 3032 is configured to generate an
electronic commitment
payment certificate;
[0076] The synchronization unit 3033 is configured to transmit the electronic
commitment
payment certificate information to the merchant.
[0077] In addition, the processing module 303 may include a transfer unit,
configured to receive
the payment information, synchronize the payment information to the
information centre server, and
allocate the corresponding frozen funds to the merchant account in the Funds-
Management server.
[0078] It is to be noted that the technical features of the above-described
method examples 2 is
applicable in the present apparatus and are not repeated here.
[0079] In addition, the present invention provides a Funds-Management server
including a
payment device in the Example 3, which is not repeated here.
100801 The payment device and server based on the payment method provided by
the example in
the present invention receives the payment request information of the client,
based on the credit
overdraft limit, credit loan limit and funds balance of the buyer to determine
whether to pay or not,
and by freezing the credit overdraft limit, credit loan limit and funds
balance in the client account so
that the total frozen amount is greater than or equal to the payment amount,
and generating
electronic commitment payment certificate and synchronize to the information
centre for
conducting real-time monitoring, which can reduce the risk of funds to protect
the interests of the
buyers and the sellers. In addition, by increasing the loan function, not only
to facilitate the buyer,
but also greatly enrich the bank or other institutions with credit ability to
pay the business.
[0081] Example 4
100821 As shown in Figure 4, a preferred example of the present invention
provides a payment
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system based on a cross Funds-Management server, which includes client 10,
merchant 20, and
interconnected second Funds-Management server 40 with client 10, and a first
Funds-Management
server 30 that connects with the Merchant 20, wherein:
[0083] The information centre server 50 is used to store and supervise the
electronic commitment
payment certificate information.
[0084] The client 10 includes a payment request module 101 configured to send
payment request
information to the second Funds-Management server 40, and the payment request
information
includes Merchant information, product information, and payment amount.
100851 The merchant 20 includes a certificate receiving module 201 and a
certificate updating
module 202, wherein the certificate receiving module 201 is configured to
receive the electronic
commitment payment certificate sent by the fund managing server 40.
[0086] The Funds-Management server 40 includes a receiving module 301, a
judgement module
302, and a processing module 303, wherein:
100871 The receiving module 301 is configured to receive payment request
information
transmitted by the client;
100881 The judgement module 302 is configured to compare the credit overdraft
balance, credit
loan limit and funds balance and the payment amount in the client amount,
determining whether the
electronic commitment payment certificate is generated;
[0089] As a preferred example, the judgement module 302 is configured to
determine whether the
credit overdraft limit, credit loan limit and funds balance of the client
account are greater than or
equal to the payment amount, if yes, it is allowed to pay, otherwise terminate
the payment process.
[0090] The processing module 303 is configured to freeze the limit
corresponding to the payment
amount in the client account when payment is allowed, and generate an
electronic commitment
payment certificate to deliver the electronic commitment payment certificate
information to the
merchant, and synchronized to the information centre server.
[0091] As a preferred example, the receiving module 301 of the second Funds-
Management server
40 is also responsible for receiving the payment information; the processing
module 303 also
includes a transferring module, which is configured to transfer equal funds to
the account of the
merchant after receiving the payment information.
[0092] Specifically, since the payment request information is sent by the
buyer to the second
Funds-Management server 40 through the client 10, the payment information is
objectively
obtained by the client 10 confirming and authorizing the bank to pay. The
second Funds-
Management server 40 respectively freezes the corresponding credit overdraft
limit, credit loan
limit and funds balance, and generates an electronic commitment payment
certificate based on the
payment information. The electronic commitment payment certificate information
includes but not
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limited to product information, payment amount (frozen funds or credit
overdraft limit or credit
loan limit), delivery address and validity period, the form is not limited to
text, pictures, graphics
and so on. The electronic commitment payment certificate is the certificate of
the receiving fund of
the Merchant 20, and the Merchant 20 provides the corresponding
merchandise/service based on the
electronic commitment payment certificate.
[0093] The general technicians of this field can understand and implement all
or parts of steps in
the aforesaid examples that can complete the procedure by controlling relevant
hardware, and the
said procedure can be stored in a readable storage media of a computer such as
ROM/RAM, disk
and light disk.
100941 The preferred examples of the present invention have been described
above with reference
to the accompanying drawings, which are not to limit the scope of the present
invention. It will be
apparent to those skilled in the field that various modifications,
equivalents, and improvements may
be made without departing from the scope and spirit of the invention.
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