| 摘要 |
A system provides an efficient way of providing electronic accounts to customers over a public network, in which all payments are traceable, i.e. anonymity is available to the degree that the customer provides an account number for paying for the transaction, and that uses as much as possible of emerging public network payment protocols. One embodiment of the system handles small payment from customers to merchants without burdening the banks with each small transaction by aggregating the payment at a payment gateway from the customers and to the merchants.
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