Note: Descriptions are shown in the official language in which they were submitted.
WO 2016/019532 PCT/CN2014/083829
INTERBANK PAYMENT SYSTEM AND INTERBANK PAYMENT METHOD
Technical Field
[1] The present invention relates to the field of finance, and in
particular, to an interbank
payment system and an inter-bank payment method.
Background Technology
[2] Online interbank payment belongs to the agreement between banks (or
bank and non-bank
liquidation organization). When the payee does not open an account with the
same bank,
inter-bank settlement of payment instruction is transmitted or converted
through a plurality
of systems, and some processing sectors still need commercial bank staff
manual
intervention, business processing time is longer, the customer also cannot
understand the
processing result of payment business in time. In order to improve the
efficiency of
inter-bank liquidation of online payment, enhance the online banking service
of
commercial banks and better fulfil the payment and clearing responsibilities
of the Central
Bank, the People's Bank of China (PBC) has decided to establish an inter-bank
liquidation
system for online payment.
131 The online payment interbank settlement system is a Renminbi (RMB)
interbank payment
and settlement infrastructure built by the People's Bank of China and is an
important part
of China's modern payment system. The online payment interbank settlement
system
mainly supports the processing of online inter-bank retail business. The
business orders are
delivered one by one, with real-time rolling difference and regular
liquidation. Clients can
submit payment transactions online and obtain business results in real time.
The system
supports commercial banks and non-financial payment service institutions
approved by the
People's Bank of China to access and provide customers 24/7 of round-the-clock
service.
[4] It can be seen from the above that the existing payment implementations
already provide
users with a good payment experience and are gradually getting faster and more
convenient. However, there still exist barriers between different banking
systems. If the
payers have an account in a different bank, he or she needs to make a payment
operation on
different banking systems.
Summary of the Invention
[5] The technical problem to be solved by the present invention is to
provide an inter-bank
payment system and an inter-bank payment method in view of the above-mentioned
problems that each banking system still has its own barrier and inconvenient
payment.
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[6] The technical solution adopted by the present invention to solve the
technical problem is as
follows: On the one hand, construct an inter-bank payment method, providing a
client with
user login information, an interbank payment server, and multiple card
terminals set up in
multiple different issuing rows, the inter-bank payment method includes the
following
steps:
[7] Si. Enter multiple bank account information from the client for
multiple different card
issuing bank, bind the bank account information with the user login
information, and bind
the user account with the user login information of the bank account
information to the
interbank payment server;
[8] S2. The interbank payment server obtains multiple account funds
information from the
multiple card terminals according to the bank account information;
[9] S3. The client makes payment requests including payment services and
payment amount to
the inter-bank payment server;
[10] S4. The interbank payment server detects multiple account fund
information that matches
the amount of the payment as stated in the multiple account fund information
obtained
from the payment request, and delivers the matched multiple account funds
information to
the client;
[11] S5. The client selects one of the account funds information from the
matched multiple
account fund information;
[12] S6. The inter-bank payment server delivers the payment confirmation
information to the
card issuing terminal of the selected account fund information according to
the account
fund information selected by the client;
[13] S7. The card issuing terminal suspends the account funds corresponding
to the bank
account information according to the payment confirmation information, and
unfreezes the
account funds according to the payment service so as to pay the preset
designated account
with the account funds.
[14] In the inter-bank payment method of the present invention, the step S1
includes the
following sub-steps:
[15] S11. The client logs in to the interbank payment server according to
the user login
information.
[16] S12. The client enters multiple bank account information of different
card issuing bank,
and connects the bank account information with the user login information;
[17] S13. Deliver the bank account information bound with the user login
information to the
interbank payment server.
[18] In the inter-bank payment method of the present invention, the step S3
includes the
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following sub-steps:
[19] S31. The preset designated account provides the payment service and
the payment amount
to the client by using the interbank payment server.
[20] S32. The client acquires the payment service provided by the
designated account and the
payment amount from the interbank payment server.
[21] S33. The client selects the payment service and the payment amount,
and forms a payment
request for the selected payment service and the payment amount, and delivers
the payment
request to the interbank payment server.
[22] In the inter-bank payment method of the present invention, in step S4,
the amount of
account funds that match the payment business and the amount of the payment is
greater
than or equal to the amount of the payment.
[23] In the inter-bank payment method of the present invention, the step S7
includes the
following sub-steps:
[24] S71. The card issuing terminal freezing the account funds
corresponding to the bank
account information according to the payment confirmation information;
[25] S72. The card issuing terminal confirms the payment service to the
designated account
according to the frozen account funds.
[26] S73. The card issuing terminal unfreezes the account funds according
to the payment
service, thereby paying the preset designated account with the account funds.
[27] In another aspect, the present invention provides an interbank payment
method, providing a
client with user login information, an interbank payment server, and a
plurality of card
issuers disposed in a plurality of different card issuers, wherein the
interbank payment
method Including the following steps:
[28] Si. The client makes payment requests including payment services and
payment amount to
the inter-bank payment server;
[29] S2. Enter multiple bank account information from the client for
multiple different card
issuing bank, bind the bank account information with the user login
information, and bind
the user account with the user login information of the bank account
information to the
interbank payment server;
[30] S3. The interbank payment server obtains the corresponding account
funds information
from the multiple card terminals according to the bank account information;
[31] S4. The interbank payment server detects multiple account fund
information that matches
the amount of the payment as stated in the multiple account fund information
obtained
from the payment request, and delivers the matched multiple account funds
information to
the client;
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[32] S5. The client selects one of the account funds information from the
matched multiple
account fund information;
[33] S6. The inter-bank payment server delivers the payment confirmation
information to the
card issuing terminal of the selected account fund information according to
the account
fund information selected by the client;
[34] S7. The card issuing terminal suspends the account funds corresponding
to the bank
account information according to the payment confirmation information, and
unfreezes the
account funds according to the payment service so as to pay the preset
designated account
with the account funds.
[35] An inter-bank payment method of the present invention has the
following beneficial
effects: since the interbank payment machine has already docked with various
banks in the
background, as long as the user enters the banking system at the initial setup
and binds the
account with the interbank payment machine, any subsequent operations only
need to enter
the interbank payment, select a personal account to each bank account with the
account to
perform the operation, the purpose of operating all bank data in the same tool
without
entering each specific bank system to operate one by one is realized. At the
same time, the
payer can pay both the designated account and the advance payment of a certain
amount
without the receiver of the money, so that the payer can look for the receiver
to receive this
amount of cash on the premise that he plans to pay the amount.
[36] In another aspect, the present invention provides an interbank payment
system including
setting up a client with user login information, an interbank payment server
that connects to
the client communication, and multiple issuing terminals set up in multiple
different
issuing rows; the issuing terminal is connected with the interbank payment
server
communication;
[37] The client includes an input module, a request module, a selection
module and a payment
module;
[38] The input module is used to enter multiple bank account information
from the client for
multiple different card issuing bank, bind the bank account information with
the user login
information, and bind the user account with the user login information of the
bank account
information to the interbank payment server;
[39] The request module is used to make payment requests including payment
services and
payment amount to the inter-bank payment server;
[40] The selection module is used to select one of the account funds
information from the
matched multiple account funds information;
[41] The payment module freezing the account funds corresponding to the
bank account
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information according to the payment confirmation information, and unfreezing
the
account funds according to the payment service, thereby paying the preset
designated
account with the account funds;
[42] The interbank payment server includes an acquisition module, a
detecting module and a
confirming module;
[43] The acquisition module is used to acquire corresponding multiple
account funds
information from the multiple card issuers according to the bank account
information;
[44] The detection module is used to detect multiple account fund
information that matches the
amount of the payment as stated in the multiple account fund information
obtained from
the payment request, and delivers the matched multiple account funds
information to the
client;
[45] The confirmation module is used to deliver the payment confirmation
information to the
card issuing terminal of the selected account fund information according to
the account
fund information selected by the client;
[46] In the inter-bank payment system of the present invention, the client
further includes a
login module, and the login module is used to log in to the interbank payment
server
according to the user login information.
[47] In the inter-bank payment system of the present invention, the preset
designated account is
used to provide the payment service and the payment amount through the
interbank
payment server;
[48] The payment module is also used to confirm the payment service with
the designated
account according to the frozen account funds.
[49] In the interbank payment system of the present invention, the amount
of account funds that
match the payment business and the amount of the payment is greater than or
equal to the
amount of the payment.
[50] An inter-bank payment system of the present invention has the
following beneficial effects:
since the interbank payment machine has already docked with various banks in
the
background, as long as the user enters the banking system at the initial setup
and binds the
account with the interbank payment machine, any subsequent operations only
need to enter
the interbank payment, select a personal account to each bank account with the
account to
perform the operation, the purpose of operating all bank data in the same tool
without
entering each specific bank system to operate one by one is realized. At the
same time, the
payer can pay both the designated account and the advance payment of a certain
amount
without the receiver of the money, so that the payer can look for the receiver
to receive this
amount of cash on the premise that he plans to pay the amount.
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Brief Description
[51] Figure 1 is a schematic structural diagram of an inter-bank payment
system provided by the
present invention;
[52] Figure 2 is a flowchart of a method for inter-bank payment according
to the present
invention;
[53] Figure 3 is a flow chart of binding client information of a bank
account according to the
present invention;
[54] Figure 4 is a flow chart of a client delivering a payment request
according to the present
invention;
[55] Figure 5 is a flow chart of the terminal-side freezing funds provided
by the present
invention.
Description of the Preferred Examples
[56] For a clearer understanding of the technical features, objectives and
effects of the present
invention, the specific examples of the present invention will be described in
detail with
reference to the accompanying drawings.
[57] The present invention provides an inter-bank payment system and an
inter-bank payment
method. The inter-bank payment server is connected to the issuing terminal by
establishing
an interbank payment server and backing up the background of each bank. As
long as the
payer (i.e., the client) enters the banking system when the initial setting is
made to the
banking system and binds the account to the interbank payment server, and the
user login
information is bound to an individual in the interbank payment server. Any
subsequent
operations need only enter the interbank payment server, select an individual
account; the
bank account of the home account is operated and implemented, so as to achieve
the
purpose of operating all the bank data in the same tool without having to
visit each specific
bank system to operate one by one. At the same time, the payer can both pay
for the
designated account (such as a designated account) and also support the advance
payment of
a certain amount without the recipient of the money, so that the payer can
look for the
receiver to receive this amount of cash on the premise that he plans to pay
the amount.
[58] Figure 1 is a schematic structural diagram of an interbank payment
system provided by the
present invention. As shown in Figure 1, the present invention provides an
interbank
payment system including a Client 1 provided with user login information and a
Client I
inter-bank payment server 2 connected to the internet, and a plurality of card
issuing
terminals 3 arranged in a plurality of different card issuing banks. The card
issuing terminal
3 is in communication connection with the interbank payment server 2. Wherein,
as shown
in Figure 1, the client may be a mobile terminal or a fixed computer device.
The client may
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install the corresponding software on the mobile terminal or the computer
device to
communicate with the interbank payment server 2, and if it is a mobile
terminal, then it can
be connected to Interbank Payment Server 2 via a wireless network connection,
or to
Interbank Payment Server 2 via the Internet if it is a fixed computer device.
The card
issuing terminal 3 is installed in a bank backstage server and connected with
the interbank
payment server 2 through the Internet to read the account fund data, but there
is no
financial flow between the interbank payment server 2 and the card issuing
terminal.
[59] The Client 1 inputs bank account information of a plurality of bank
cards in a plurality of
different issuer lines, binds the bank account information with the user login
information,
and the bank account information is bound to the user login information, and
the bank
account information after binding to the user login information is delivered
to the interbank
payment server 2; the interbank payment server 2 acquires corresponding
multiple account
funds information from the multiple card issuers 3 according to the bank
account
information; for example, after landing on the interbank payment server 2,
Zhang San
entered the China Construction Bank (CCB) card number and the landing
password, the
China Merchants Bank (CMB) card number and the landing password, the
Industrial and
Commercial Bank of China (ICBC) card number and the landing password.
[60] [Table 1]
User login Account holder Issuer Bank card Login password
information number
Zhang San Zhang San CCB XXXX ******
Zhang San Zhang San CMB XXXX ******
Zhang San Li Si ICBC XXXX ******
[61] Wherein, the user login information refers to the user login
information for login to the
interbank payment server 2 through the Client 1, through which the user can
input the bank
card number and password of different banks and different account holders in
the interbank
payment server 2, and binding the bank account information entered with the
user login
information allows the user to operate multiple bank card funds accounts
through the user
"Zhang San". For example, Zhang San bound his own bank card with his own
account, and
also bound Li Si's bank card. After Zhang San landed his account in the
interbank payment
server, he could not only operate the bound bank account of their own funds,
it can also
operate the bound bank of Li Si bank account funds.
[62] After binding the user login information and the bank account
information, the user
delivers a payment request including the preset payment service and the
payment amount
to the interbank payment server 2 through the Client 1. The interbank payment
server 2
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determines, according to the payment request detects the account fund
information that
matches the payment amount from the obtained plurality of account fund
information, and
delivers the matched account fund information to the Client 1: and the Client
1 selects one
of the account funds information from the matched account fund information;
and the
interbank payment server 2 delivers the payment confirmation information to
the selected
account fund information corresponding to the card issuing terminal 3
according to the
account fund information selected by the Client 1 and the card issuing
terminal 3 froze the
account funds corresponding to the bank account information according to the
payment
confirmation information. For example, the user enters the inter-bank payment
server 2
through the Client 1, and selects individual account to perform the operation
on each bank
account with an account and operate all the bank data in the same tool, and
the payer can
also operate the designated account (such as designated account) to pay, but
also possible
to pay a certain amount of money in advance without the recipient of the
money. For
example, users need to pay utility bills, but utility bills are paid on a
monthly basis and
cannot be paid at any time. Users can then advance this part of the utility
bill through
interbank payment server 2, wait until the payment date, payment account,
which is the
designated account, and automatically deliver the part of utilities to the
receiving account.
[63] Specifically, the Client 1 includes an input module 11, a request
module 12, a selection
module 13, and a payment module 14. The input module 12 is used to input a
plurality of
bank account information of a plurality of different issuing banks, the bank
account
information is bound with the user login information, and the bank account
information
bound with the user login information is delivered to the interbank payment
server 2; and
the request module 12 is used to deliver a payment request including the
payment service
and the payment amount of the payment request to the interbank payment server
2; the
selection module 13 is used to select one of the matched account funds
information from a
plurality of matching accounts; and the payment module 14, according to the
payment
confirmation information, account funds corresponding to the bank account
information,
and unfreezing the account funds according to the payment service, thereby
paying the
preset designated account with the account funds;
[64] The interbank payment server 2 includes an acquisition module 21, a
detection module 22
and a confirmation module 23. The acquisition module 21 is used to acquire a
corresponding plurality of account funds from the plurality of issuers 3
according to the
bank account information; the detection module 22 is used to detect, according
to the
payment request, a plurality of account funds information matching the payment
amount
from the acquired plurality of account funds information, and deliver the
matched multiple
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account funds information is delivered to the Client 1; the confirmation
module 23 is used
to deliver the payment confirmation information to the issuing terminal 3
corresponding to
the selected account fund information according to the account fund
information selected
by the client terminal 1;
[65] Preferably, the Client 1 further includes a login module 15, and the
login module 15 is used
to log in to the interbank payment server 2 according to the user login
information. The
preset designated account is used to provide the payment service and the
payment amount
through the interbank payment server 2. The payment module 14 is also used to
confirm
the payment to the designated account according to the frozen account funds
business.
[66] Wherein, the frozen funds does not mean that the funds needed to apply
for new shares will
be frozen when the new shares are subscribed, after verification as a valid
application, the
fund will not be used for other purposes within a few working days. After the
application,
the funds will be unfreezing. But this part of the funds cannot be
misappropriated for the
time being, and when the payment business is completed, the part of the funds
can be
transferred to the designated account. Wherein, the "frozen funds" can be
interpreted as:
the temporary loss of tenure, but ownership, benefits (interests, proof of
assets, capital
verification) etc.
[67] In addition, the Client 1 is also used to be communicatively connected
to the interbank
payment server 2 according to the user login information. For example, in the
client, users
can log in to interbank payment server 2 directly according to the user login
information
without other complicated login information.
[68] For the designated account, it is also allowed to log in to the
interbank payment server 2
with a preset designated default account to provide the payment service and
the payment
amount. At the same time, the card issuing terminal 3 blocks the account funds
corresponding to the bank account information according to the payment
confirmation
information, and notifies the designated account of providing the payment
service
according to the frozen account funds. Payment of the account funds to the
specified
account after the unfreezing of the account funds period.
[69] For example, the commodity may be purchased through a preset merchant
or seller, and the
commodity should include the payment method and amount of the merchant or
seller, and
the user may initiate a payment request according to the payment method and
the
merchandise amount mentioned above. When the card-issuing terminal 3 receives
the
information for confirming the payment, it will freeze the funds of the
account, and when it
is frozen, the preset merchant and the seller may also see the status. At this
time, the preset
merchant and seller provide the corresponding payment service: delivery or
other business,
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the user receives the commodity or received the business, and then the frozen
funds
delivered to the default business and the seller's account.
[70] Generally, the account fund information matching the payment service
and the payment
amount is that the account fund in the account fund information is greater
than or equal to
the payment amount. For example, an interbank payment server automatically
filters bank
cards whose account funds are larger than the payment amount for the user to
choose to
pay. In this way, the user can easily find the bank card meeting the payment
requirements
through the interbank payment server provided by the present invention without
having to
log in to different bank websites one by one for searching.
[71] Figure 2 is a flowchart of a method for inter-bank payment provided by
the present
invention. As shown in Figure 2, an inter-bank payment method provided by the
present
invention includes the following steps:
[72] Si. Inputting bank account information of a plurality of bank cards in
a plurality of
different issuing banks from the client terminal 1, binding the bank account
information
with the user login information, and registering with the user of the bank
account
information after the information binding is delivered to the interbank
payment server 2;
the client interacts with the interbank payment server for information
interaction, and the
card issuing terminal 3 and the interbank payment server 2 exchange
information.
[73] S2. The interbank payment server 2 acquires corresponding multiple
account funds
information from the multiple card issuers 3 according to the bank account
information. By
binding the bank account information and the user login information, log in to
the personal
account of the interbank payment server to operate the bank balances that each
has an
account.
[74] S3. The Client 1 delivers a payment request including the payment
service and the payment
amount to the interbank payment server 2. Specifically, the payment request
should further
include a payment request that is met by the issuing bank, that is, a payment
request
business should be supported by the issuing bank, such as inter-border
transfers that require
bank cards to have function of inter-border payments or transfers. The above
steps S I and
S3 may be performed in parallel.
[75] S4. The interbank payment server 2 detects, according to the payment
request, the account
fund information that matches the payment amount from the acquired multiple
account
fund information, and delivers the matched account funds Information to the
Client 1; and
the account fund information matching the payment service and the payment
amount is that
the account fund in the account fund information is greater than or equal to
the payment
amount. For example, the user Zhang San need to pay utility bills, utility
bills are paid
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monthly for the previous month's utility bills, monthly utilities and account
balances as
shown in the following table:
[76] [Table 2]
One month utilities Issuer Bank card number Balance
200 Yuan / month CCB XXXX V1000
200 Yuan / month CMB XXXX Y2000
200 Yuan / month ICBC XXXX 500
[77] If Zhang San hopes to automatically pay a quarter of utilities, a
quarter of utilities 200* 3 =
600 Yuan, then only the China Construction Bank and China Merchants Bank card
meet
the requirements..
[78] SS. The Client 1 selects one of the account funds information from the
matching account
fund information. For example, Zhang San selects the bank card of the
Construction Bank
as the bank card of the current payment of utility bills.
[79] S6. The interbank payment server 2 delivers the payment confirmation
information to the
issuing terminal 3 corresponding to the selected account fund information
according to the
account fund information selected by the client terminal 1; for example, after
selecting a
bank card, delivers payment confirmation information to the corresponding
issuing bank 3.
[80] S7. The card issuing terminal 3 froze the account funds corresponding
to the bank account
information according to the payment confirmation information. After the card-
issuing
terminal 3 freezes the fund, it starts to execute the payment service. After
the payment
service is completed. the fund is unfrozen and the fund is transferred to the
designated
account.
[81] Figure 3 is a flow chart of binding client information of a bank
account provided by the
present invention. As shown in Figure 3, the step Si includes the following
sub steps:
[82] S11. The Client 1 logs in to the interbank payment server 2 according
to the user login
information. The user login information may be used as a login certificate for
logging in
the interbank payment server 2. Also, a login password may be added to log in
to the
interbank Payment server 2. The combination of user login information and
login password
can improve the security of the account.
[83] S12. The Client 1 inputs bank account information of a plurality of
bank cards in a plurality
of different issue cards in a logged-in state, and binds the bank account
information and the
user login information; in a login environment, the bank account information
of multiple
bank cards is input and then automatically binds to the user login
information.
[84] S13. Deliver the bank account information bound with the user login
information to the
interbank payment server 2.
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[85] Figure 4 is a flowchart of delivering a payment request by a client
according to the present
invention. As shown in Figure 4, the step S3 includes the following sub steps:
[86] S31. The preset designated account logs in to the interbank payment
server 2 to provide the
payment service and the payment amount. For example, the designated account is
a
commodity seller payment account, and the commodity seller issues his own
account
through the login interbank payment server payment business and the amount of
payment,
payment services including commodity attributes information, seller's
receivables account,
etc.
[87] S32. The Client 1 acquires the payment service provided by the
designated account and the
payment amount from the interbank payment server 2. The payment business and
the
amount of payment can be viewed from Client 1 by specifying the payment
business and
payment amount provided by the account.
[88] S33. The Client I selects the payment service and the payment amount,
and forms a
payment request for the selected payment service and the payment amount, and
delivers the
payment request to the interbank payment server 2.
[89] Figure 5 is a flow chart of the terminal-side freezing funds provided
by the present
invention. As shown in Figure 5, the interbank payment method provided by the
present
invention also includes:
[90] S71. After the step S7, the card issuing terminal 3 may freeze the
account funds
corresponding to the bank account information according to the payment
confirmation
information. For example, after the card issuing terminal 3 receives the
payment
confirmation information of Zhang San, The account funds in the payment
confirmation
information are frozen, and the payment confirmation information is 600 Yuan
for
confirming the payment of 600 Yuan of commodities.
[91] S72. The card issuing terminal 3 notifies the designated account to
provide the payment
service according to the frozen account funds. For example, after the terminal
finishes
freezing the funds, it delivers a short message or delivers a notification
message to the
designated account by using the Internet. After receiving the notification
message, the
designated account provides the payment service. For example, the 600 Yuan
commodity is
delivered to the user with Client 1 in the way of express delivery.
[92] S73. The card issuing terminal 3 pays the account with the designated
account after
unfreezing the account fund period. For example, after receiving the 600-Yuan
commodity,
the user confirms receipt of the payment service at the interbank payment
server 2 through
the Client 1, the interbank payment server 2 notifies the card-issuing
terminal 3 to unfreeze
the funds during the freezing of the account funds, and pays the account with
the
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designated account.
[93] The beneficial effects of implementing the present invention are as
follows. The user enters
the banking system at the initial setup and binds the account with the
interbank payment
machine, any subsequent operations only need to enter the interbank payment,
select a
personal account to each bank account with the account to perform the
operation, the
purpose of operating all bank data in the same tool without entering each
specific bank
system to operate one by one is realized. At the same time, the payer can pay
both the
designated account and the advance payment of a certain amount without the
receiver of
the money, so that the payer can look for the receiver to receive this amount
of cash on the
premise that he plans to pay the amount.
[94] The examples of the present invention are described above with
reference to the
accompanying drawings. However, the present invention is not limited to the
above
specific examples. The foregoing specific examples are merely illustrative and
not intended
to limit the present invention, many modifications and variations can be made
by those
skilled in the art without departing from the spirit and scope of the
invention as disclosed in
the accompanying drawings, all of which fall within the protection scope of
the invention.
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