| 摘要 |
In a commerce transaction between a buyer and seller that involves transfer of an item, payment is made through an independent online payment system. A seller sends a threshold amount and a payment amount to a payment server for the transaction involving the item. The payment server creates an intermediate account based on the threshold amount and the payment amount. To proceed with the transaction, a buyer transfers a fund amount to the payment server. The payment server determines whether the fund amount is not less than the threshold amount, and if so, the payment server designates the fund amount as an account balance associated with the buyer in the intermediate account. The payment server then transfers funds corresponding to the payment amount from the intermediate account to an account designated by the seller after receiving a payment request indicating the buyer's receipt of the item. |
