| 摘要 |
A transaction payment instrument, used in purchasing a retail quantity of a fungible commodity; the instrument comprising (I) a prepaid commodity portion and (II) a promissory cash-equivalent portion. Preferably, the prepaid commodities portion is backed by futures and/or options for the fungible commodity. The promissory cash-equivalent portion is cash, check, credit card, cash card, prepaid commodity unit card, proof of identity for conducting a commercial transaction, or the likes. The transaction between the customer and the retailer typically includes the customer (A) causing commodity credits to be transferred to the retailer wherein this transfer represents the customer bartering a substantially identical quantity and quality of a commodity with the retailer in exchange for that quantity and quality of that commodity; and (B) paying the retailer for all peripheral charges associated with the physical delivery of the physical commodity-and these charges may include refining, processing, distribution, marketing, tax, etc.
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