According to the invention, a method for a payor paying a merchant using a payment system is disclosed. In one step, account information is received that can be used for receiving funds using a money handler. The account information identifies an account of the payor. A token is generated that correlates...http://www.google.com.hk/patents/US7827101?utm_source=gb-gplus-share專利 US7827101 - Payment system clearing for transactions
