Patent Publication Number: US-2019188665-A1

Title: Paperless Payment System and Method Thereof

Description:
CROSS REFERENCE OF RELATED APPLICATION 
     This is a U.S. National Stage under 35 U.S.C. 371 of the International Application Number PCT/CN2016/094840, filed Aug. 12, 2016, which claims priority under 35 U.S.C. 119(a-d) to Chinese application number 2015104982009, filed Aug. 12, 2015. The afore-mentioned patent applications are hereby incorporated by reference in their entireties. 
    
    
     NOTICE OF COPYRIGHT 
     A portion of the disclosure of this patent document contains material which is subject to copyright protection. The copyright owner has no objection to any reproduction by anyone of the patent disclosure, as it appears in the United States Patent and Trademark Office patent files or records, but otherwise reserves all copyright rights whatsoever. 
     BACKGROUND OF THE PRESENT INVENTION 
     Field of Invention 
     The present invention relates to payment system, and more particularly to a paperless payment system and method thereof, wherein the paperless payment system can provide a paperless payment file for establishing a payment plan and the payment can only be made if the paying process conforms to the payment plan. 
     Description of Related Arts 
     Money, especially banknote, is a common means of payment. When people utilize banknote to make payments, the seller has to tell the buyer the price of the merchandise. Then the buyer can pick up banknotes with corresponding denomination according to the price of the merchandise and hand them to the seller. If the denomination of the banknote selected by the buyer equals to the price of the merchandise, the payment will be completed. If the denomination of the banknote selected by the buyer is greater than the price of the merchandise, the seller will have to return the banknote of the denomination corresponding to the price difference to the buyer, so as to complete the payment. In such process of banknote transaction, both the seller and the buyer have to check the denomination of the banknote and to verify the validity of the banknote. Hence, both the seller and the buyer will have to be able to verify the validity of the banknote, which increases the cost of utilizing banknote as a means of payment. A banknote usually has a definite denomination, so if the amount of the payment exceeds the denomination of the banknote, the seller will have to calculate the required quantity of the banknote of the denomination for the payment. If the amount of the payment is huge, it will take a great effort to carry, check, and validate the banknotes. In such cases, the cost of the payment will be high. 
     Next, credit card is another means of payment. Comparing with banknote, it is easier to carry a credit card and not to check the amount. The process of utilizing a credit card to make a payment includes reading the information on the credit card with a card reader, optionally having the buyer to input a pin, having the buyer to sign his/her name to complete the payment. Although credit card is easy to use, nevertheless once the credit card information is copied and the signature of the buyer is forged, it will render a significant loss to the issuing bank. This is because that it requires a better identification intelligence to identify a fraudulent use of credit card and regular merchants do not have such ability. Nonetheless, the action to enhance the merchants&#39; ability of identifying a fraudulent use of credit card will increase the payment cost. Besides, a user has to pass a credit review in order to obtain a credit card, otherwise she/he cannot enjoy the convenience of utilizing credit card. Unfortunately, credit review requires costs as well. Moreover, even an error occurred in the credit review can render a loss to the issuer, but it costs more for a more careful credit review. The costs of credit review will eventually be transferred to the user, which raises the payment cost for the user to utilize credit card. 
     In addition, one of the reasons that it is difficult for minor enterprises to obtain loans is because it is hard to control the actual use of the loan. Namely, a business owner may apply for a loan for a project, but spend the loan on other purposes, which causes uncovered loan and losses to the lender. What happens is that it utilizes credit review and project evaluation to audit before lending. However, the lender can only conduct the examinations before lending, but cannot control the actual use of the loan afterward. Although it has spent a lot on credit review and project evaluation, losses may still occur. 
     As a result, banks often tend not to lend to minor enterprises. There has not been an ideal solution to control the actual use of the loan. 
     Lastly, some numbers have close relation to our daily life, for example, a birth certificate number right after a person is born. Then it is the identification card number. There is a student ID number for school and a diploma number when graduated. There are different diploma numbers in different stages. Depositing in the bank requires bankcard number or bankbook number. Bankcards of various banking businesses have different card numbers too. There are preferential card numbers for supermarket shopping. Various types of numbers gradually raise the difficulty of the management and bring inconvenience or even trouble to our lives. It wastes time and energy when people have to distinguish the corresponding purposes of these numbers. If there is a number able to achieve the functions and purposes of the all of the above numbers, it will be extremely convenient for our lives. Unfortunately, such number does not exist. 
     SUMMARY OF THE PRESENT INVENTION 
     An object of the present invention is to provide a paperless payment system, wherein the paperless payment system provides a paperless payment file for presetting at least a payment plan. 
     Another object of the present invention is to provide a paperless payment system, wherein the paperless payment system verifies the payment plan preset in the acquired paperless payment file in order to make a payment. 
     Another object of the present invention is to provide a paperless payment system, which utilizes value constant as the paying unit thereof. 
     Another object of the present invention is to provide a paperless payment system, wherein the paperless payment file provides at least a payment plan and at least a verification plan, wherein the paperless payment system verifies the payment plan and the current payment information as well as verifies the verification plan and the identity of the payer. 
     Another object of the present invention is to provide a paperless payment system, wherein the paperless payment system provides a generation center to generate the paperless payment file. 
     Another object of the present invention is to provide a paperless payment system, wherein the generation center provides a plan providing unit, wherein the plan providing unit is provided for establishing the payment plan. 
     Another object of the present invention is to provide a paperless payment system, wherein the plan providing unit is provided for establishing the verification plan. 
     Another object of the present invention is to provide a paperless payment system, wherein the generation center provides a generating unit, wherein the generating unit generates the paperless payment file according to the provided payment plan. 
     Another object of the present invention is to provide a paperless payment system, wherein the generation center provides a generating unit, wherein the generating unit generates the paperless payment file according to the provided payment plan and verification plan. 
     Another object of the present invention is to provide a paperless payment system, wherein the generation center provides an authorization unit, wherein the authorization unit allows the user to verify the payment plan and the verification plan. 
     Another object of the present invention is to provide a paperless payment system, wherein the paperless payment system provides a payment center, which verifies the payment plan and the current payment information and makes the payment if the current payment information conforms to the payment plan. 
     Another object of the present invention is to provide a paperless payment system, wherein the payment center verifies the verification plan and the identity of the payer and makes the payment if the identity of the payer conforms to the verification plan. 
     Another object of the present invention is to provide a paperless payment system, wherein the payment center provides a content acquiring unit, wherein the content acquiring unit acquires the payment plan of the paperless payment file. 
     Another object of the present invention is to provide a paperless payment system, wherein the payment center provides a content acquiring unit, wherein the content acquiring unit acquires the verification plan of the paperless payment file. 
     Another object of the present invention is to provide a paperless payment system, wherein the payment center provides a verification unit, wherein the verification unit verifies the payment plan and the current payment information. 
     Another object of the present invention is to provide a paperless payment system, wherein the payment center provides a verification unit, wherein the verification unit verifies the verification plan and the identity of the payer. 
     Another object of the present invention is to provide a paperless payment system, wherein the payment center provides a payment unit, wherein the payment unit making the payment according to the payment plan of the paperless payment file. 
     Another object of the present invention is to provide a paperless payment system, wherein the paperless payment system further provides a value constant management center, wherein the value constant management center manages the value constant of the users. 
     Another object of the present invention is to provide a paperless payment system, wherein the value constant management center assigns an identifier to each user correspondingly, wherein the value constant management center manages the value constant of the user based on the corresponding identifier. 
     Another object of the present invention is to provide a paperless payment system, wherein the value constant management center further provides a user management unit, wherein the user management unit is for managing the general information of the user. 
     Another object of the present invention is to provide a paperless payment system, wherein the user management unit assigns corresponding identifier to the user respectively. 
     Another object of the present invention is to provide a paperless payment system, wherein the value constant management center further provides a value constant management unit, wherein the value constant management unit manages the value unit of the user based on the identifier of the user. 
     Another object of the present invention is to provide a paperless payment system, wherein the value constant management center provides a credit unit, wherein the credit unit provides preset credit limits of the users corresponding to the identifiers thereof respectively. 
     Another object of the present invention is to provide a paperless payment system, wherein the payment plan can be configured to utilize the credit limit of the user to make the payment. 
     Another object of the present invention is to provide a paperless payment system, wherein the paperless payment system provides a crowdfunding center, which allows at least a crowdfunding project to be published, wherein if a paperless payment file of the crowdfunding project is established, the payment center can make the payment to the participantof the crowdfunding project based on the paperless payment file of the crowdfunding project. 
     Another object of the present invention is to provide a paperless payment system, wherein the paperless payment system also provides a tax center, which determines if a payment made through the paperless payment file has to pay tax. If tax is required, the tax center will send a paperless payment file of tax to the payment center and the payment center will execute the paperless payment file and the paperless payment file of tax to respectively make the payment and the taxation. 
     Another object of the present invention is to provide a paperless payment system, wherein the paperless payment system further provides an accounting management module, wherein after a payment is made through utilizing a paperless payment file, the payment center will send a payment status receipt to the accounting management module and the accounting management module will record the payment status of the corresponding user based on the identifier of the user. 
     In order to achieve the above and other objects, the present invention provides a paperless payment system, comprising a payment center makes a payment according to a preset paperless payment file, wherein the paperless payment file further comprises at least a payment plan. The payment center verifies a current payment information with the payment plan of the paperless payment file. If the current payment information conforms to the payment plan, the payment center makes a payment according to the payment plan of the paperless payment file. The paperless payment system according to the present invention further comprises a generation center, which generates the paperless payment file, wherein the generation center is adapted to provide at least one payment plan that the generation center generates the paperless payment file according to the payment plan provided thereby. 
     The paperless payment file further comprises at least a verification plan, provided by the generation center, for the payment center to verify the identity of the payer according to the verification plan, wherein the payment center makes the payment according to the payment plan of the paperless payment file if the identity of the payer conforms to the verification plan. 
     The generation center further comprises a plan providing unit and a generating unit communicating and connecting with the plan providing unit, wherein the plan providing unit provides the payment plan, wherein the generating unit generates the paperless payment file according to the payment plan. 
     The payment center further comprises a content acquiring unit, a verification unit, and a payment unit interconnected and intercommunicated with one another, wherein the content acquiring unit acquires the current payment information and the payment plan of the paperless payment file and sends the current payment information and the payment plan of the paperless payment file to the verification unit, wherein the verification unit verifies if the current payment information conforms to the payment plan of the paperless payment file, wherein the payment unit makes a payment according to the payment plan of the paperless payment file if the current payment information conforms to the payment plan of the paperless payment file. 
     The plan providing unit is provided for establishing the verification plan, wherein the verification unit verifies the identity of the authorized person of the paperless payment file according to the verification plan, wherein the paperless payment file acquires authorization if the verification unit confirms the identity of the authorized person, wherein the payment unit will make a payment according to the payment plan of the paperless payment file. 
     The generation center further comprises an authorization unit communicating and connecting with the plan providing unit and the generating unit respectively, wherein the user examines the payment plan through the authorization unit, wherein the payment plan will be sent to the generating unit if the payment plan is approved by the user, wherein the generating unit will generate the paperless payment file according to the generating unit. 
     The paperless payment system of the present invention further comprises a value constant management center communicating and connecting with the generation center and the payment center respectively, wherein the value constant management center manages the value constants owned by the users by means of identifiers, wherein the paperless payment system makes payments by the value constant. 
     The value constant management center further comprises a user management unit and a value constant management unit, wherein the user management unit manages information of the users, wherein the user management unit arranges corresponding account for the user respectively, wherein the value constant management unit manages the value constant owned by the user based on the corresponding account of the user. 
     The present invention further provides a paperless payment system, comprising 
     a value constant management center, assigning an identifier to each user correspondingly, wherein the value constant management center manages the value constant of the user based on the corresponding identifier; and 
     a payment center, communicates and connects with the value constant management center, wherein the payment center makes payments according to a preset paperless payment file, wherein the paperless payment file comprises at least a payment plan, wherein the payment center verifies the current payment information with the payment plan of the paperless payment file and make payment according to the payment plan of the paperless payment file if the current payment information conforms to the payment plan of the paperless payment file, wherein the value constant management center respectively adjust the value constant limit owned by the payer and the value constant limit owned by the payee according to the identifiers of the payer and the payee provided in the payment plan of the paperless payment file during the paying process of the payment center, so as to transfer the amount of the value constant equal the payment limit configured in the paperless payment file from the identifier of the payer to the identifier of the payee. 
     The paperless payment system according to the present invention further comprises a generation center, which generates at least a paperless payment file and communicates and connects with the payment center, wherein the generation center is adapted to provide a payment plan and then generates at least a the paperless payment file according to the payment plan provided thereby. 
     The value constant management center further comprises a user management unit and a value constant management unit, wherein the user management unit assigns corresponding identifier to the user, while the value constant management unit manages the value constant of the user according to the corresponding identifier. 
     The value constant management center further comprises a credit unit, which manages the credit limit of the user based on the corresponding identifier. The credit limit of the user can be configured in the payment plan of the paperless payment file, such that the credit limit of the user can be utilized to make payments through the payment center. 
     The paperless payment system of the present invention further comprises a crowdfunding center, which manages the crowdfunding project published by the user according to the identifier of the user. The crowdfunding center allows at least a crowdfunding project to be published. The generation center establishes and provides the payment plan of the crowdfunding project according to the crowdfunding project and generates the paperless payment file of the crowdfunding project based on the payment plan of the crowdfunding project. Every profit that the crowdfunding project gains will be paid to the identifiers of the participants by the payment center based on the shares of the participants configured in the payment plan of the paperless payment file of the crowdfunding project. 
     The paperless payment system of the present invention further comprises a tax center, connecting with the crowdfunding center, the generation center, the payment center, and the value constant management center respectively, wherein the tax center manages the payable taxation of the user according to the identifier thereof, wherein the tax center provides at least a tax rule and determines if the payment made by the payment center according to the paperless payment file conforms to the tax rule, wherein if the payment conforms to the tax rule, when making the payment with the paperless payment file based on the tax rule, the tax center will make a corresponding tax payment. 
     The paperless payment system of the present invention further comprises an accounting management module, communicating and connecting with the payment center, the tax center, and the value constant management center respectively, wherein the accounting management module and the identifier of the user manage the financial status of the user, wherein the payment center sends a payment status receipt to the accounting management module after the payment has been made based on the paperless payment file, wherein the accounting management module records according to the payment status on the identifiers of the payer and payee respectively. 
     The present invention further provides a method of paperless payment, comprising the following steps: 
     1. acquiring the current payment information and a payment plan of a paperless payment file. 
     2. verifying the current payment information and the payment plan of the paperless payment file, wherein if the current payment information conforms to the payment plan of the paperless payment file, it will execute step  3 , while if the current payment information fails to conform to the payment plan of the paperless payment file, it will cease the payment. 
     3. making a payment according to the payment plan of the paperless payment file. 
     The step 1 further comprises step 1B between step 1 and step 2, which is: acquiring a verification plan of the paperless payment file and verifying the verification plan and the identity of the payer and then executing step 2 if the identity of the payer conforms to the verification plan or ceasing the payment if the identity of the payer fails to conform to the verification plan. 
     Before the step 1, it further comprises a step 1A: generating a paperless payment file. 
     The step 1A further comprises the following steps: 
     1A.1: establishing at least a payment plan. 
     1A.2 generating the paperless payment file according to the payment plan. 
     The step 1A.2 can be substituted by step 1A.3: establishing at least a verification plan and generating the paperless payment file according to the payment plan and the verification plan. 
     The present invention further provides a paperless credit limit adjustment method, comprising the following steps: 
     Step A1: establishing a payment plan of borrowing and a payment plan of repaying. 
     Step A2: authorizing the payment plan of borrowing and the payment plan of repaying. 
     Step A3: generating the paperless payment file according to the payment plan of borrowing and the payment plan of repaying by the generating unit. 
     Step A4: acquiring the payment plan of borrowing from the paperless payment files by the content acquiring unit. 
     Step A5: verifying if the payment plan of borrowing is authorized by the verification unit and continuing on step A 6  if it is authorized. If it is not authorized, the execution will be terminated. 
     Step A6: executing the paperless payment file according to the payment plan of borrowing by the payment unit. 
     Step A7: respectively adjusting the credit limits of the identifier of the borrower and the identifier of the lender according to the payment plan by the credit unit and marking the purpose of the credit limit obtained by the identifier of the borrower according to the loan purpose recorded in the payment plan  31  of the loan. 
     Step A8: monitoring and controlling the use of the credit limit obtained by the borrower. 
     Step A9: acquiring the payment plan of repaying from the paperless payment files by the content acquiring unit. 
     Step A10: verifying if the payment plan of repaying is authorized by the verification unit and continuing on step A6 if it is authorized. If it is not authorized, the execution will be terminated. 
     Step A11: executing the paperless payment file according to the payment plan of repaying by the payment unit. 
     The present invention further provides a crowdfunding method, comprising the following steps: 
     Step B1: publishing a crowdfunding project through the crowdfunding center. 
     Step B2: establishing a corresponding paperless payment file for the crowdfunding project. 
     Step B3: making a payment according to the corresponding paperless payment file. 
     The step B2 further comprises the following steps: 
     Step B2.1: establishing the payment plan, wherein the payer is configured as the corresponding crowdfunding project and the payee is configured as the participants of the crowdfunding project, wherein the shares of the participants are provided as well, such that it can make payments according to the shares every time when the crowdfunding project gains profit. 
     Step B2.2: having each of the participants of the crowdfunding project authorize the payment plan. 
     Step B2.3: generating the corresponding paperless payment file. 
     The step B2.1 may be replaced with step B2.1″: establishing the payment plan, wherein the payer is configured as the corresponding crowdfunding project and the identifiers of the participants of the corresponding crowdfunding project and the payee is configured as the participants of the crowdfunding project, wherein the shares of the participants are provided as well, such that it can make payments according to the shares every time when the crowdfunding project gains profit. 
     The step B3 further comprises the following steps: 
     Step B3.1: detecting if the corresponding crowdfunding project has received a profit and executing step B3.2 if the corresponding crowdfunding project has received a profit or standing by if the corresponding crowdfunding project has not received a profit. 
     Step B3.2: acquiring the corresponding payment plan of the paperless payment file. 
     Step B3.3: verifying the corresponding payment plan of the paperless payment file. 
     Step B3.4: distributing the received profit according to the shares established in payment plan of the corresponding paperless payment file. 
     An advantage of the paperless payment system of the present invention is that the current payment information has to be verified with the payment plan of the paperless payment file when the paperless payment file is utilized to make a payment. If the current payment information does not conform to the payment plan of the paperless payment file, then it cannot make the payment. This way of controlling the fund flow at the outlet can avoid the fund from being utilized for other purposes. Besides, the use of the paperless payment system does not require credit check, which lowers the payment cost. The user only has to provide his/her identity to utilize the paperless payment system to make payments, which is simple and convenient. Besides, by using the paperless payment system of the present invention, the merchant can implement all kinds of coupons to the users by means of the paperless payment file. The user does not have to carry all kinds of coupons and discount cards therewith. The identifier of the user can be open to the public, such that the merchants may establish corresponding discount paperless payment file according to the identifier of the user. It avoids the bothers of managing the coupons and discount cards for the user. The user in the paperless payment system of the present invention can have a preset credit limit without credit check, which lowers the payment cost. The paperless payment system of the present invention further provides the crowdfunding method through the paperless payment file, such that user who is deficient in capital may utilize it to start a business. It lowers the threshold of starting a business. Besides, every profit that the crowdfunding project gains will be distributed according to the shares of the participants arranged in the payment plan of the paperless payment file of the crowdfunding project through the payment center. The paying process runs through the payment center only, which does not have to go through a third party. 
     When the user is editing the payment plan of the paperless payment file, the tax center will reveal and prompt the payable taxation of the user according to the payment purpose and payment limit established in the payment plan. The user can configure the payable taxation in the payment plan as well. The generation center generates the paperless payment file according to the payment plan. When the paperless payment file is utilized to make a payment, the payment center will also pay taxes according to the configured payable taxation. If the paperless payment file does not include a taxation payment, the tax center will determine if the payment of the paperless payment file has to pay tax based on the tax rules. If it has to, the tax center will make the corresponding payable taxation when the paperless payment file is utilized based on the tax rules. 
     The accounting management module of the paperless payment system of the present invention records the payment statuses on the identifiers of the payer and the payee respectively according to the payment status receipt and inputs them into corresponding accounting items according to accounting provisions. The accounting management module can process the expenses and receipts of the user according to accounting requirements, so as to achieve the accounting function. 
     Still further objects and advantages will become apparent from a consideration of the ensuing description and drawings. 
     These and other objectives, features, and advantages of the present invention will become apparent from the following detailed description, the accompanying drawings, and the appended claims. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1  is a structural diagram of the paperless payment system according to a preferred embodiment of the present invention. 
         FIG. 2  is a flow diagram of a crowdfunding method of the paperless payment system according to the above preferred embodiment of the present invention. 
         FIG. 3  is a perspective view of a payment scene of the paperless payment system according to the above preferred embodiment of the present invention. 
         FIGS. 4-5  are perspective views of a payment scene of the paperless payment system according to another preferred embodiment of the present invention. 
         FIG. 6  is a flow diagram of a paperless credit limit adjustment method of the paperless payment system according to the above preferred embodiment of the present invention. 
         FIG. 7  is a flow diagram of a method of paperless payment of the paperless payment system according to the present invention. 
     
    
    
     DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT 
     The following is disclosed in order that those skilled in the art can implement the present invention. Preferred embodiments in the following descriptions are to give examples only. Those skilled in the art can think of other obvious modifications. The basic notions of the present invention defined in the following descriptions can apply to other implementations, modifications, improvements, equivalences, and other technical solutions that do not deviate from the scope or spirit of the present invention. 
     The technology of present invention, according to the disclosed content of the specification and claims, specifically includes the following.  FIG. 1  illustrates a structural diagram of the paperless payment system according to a preferred embodiment of the present invention. The paperless payment system of the present invention comprises a generation center  10  and a payment center  20 . The generation center  10  communicates and connects with the payment center  20 . The generation center  10  is for presetting at least a payment plan  31  and generating a paperless payment file  30  according to the preset payment plan  31 , so as to allow the paperless payment file  30  to be utilized for paying. When the paperless payment file  30  is utilized to make a payment, the payment center  20  will acquire the preset payment plan  31  of the paperless payment file  30  and verifies it. If the preset payment plan  31  of the paperless payment file  30  passes the verification, the payment center  20  will make the payment. The paperless payment file  30  can be applied in smart devices, such as computers, laptops, smart phones, smart watches, smart classes, smart bracelets, and etc. The paperless payment file  30  can be transmitted to a smart device through a communication network, so as for utilizing the paperless payment file  30  through the smart device. 
     The generation center  10  further comprises a plan providing unit  11  and a generating unit  12 . The plan providing unit  11  communicates and connects with the generating unit  12 . The plan providing unit  11  provides the payment plan  31 . The payment plan  31  includes a preset payment limit, a preset payment purpose, a preset payment time, a preset payment location, a preset payer, a preset payee, and a preset payment terminal. The preset payment limit refers to the payment limit provided by the paperless payment file  30 . The payment purpose refers to the use of the payment, such as shopping, house rent, deposit, etc., for the preset payment limit. If the preset payment purpose has been edited, the payment center  20  will verify if the preset payment purpose matches the current payment purpose when the paperless payment file  30  is utilized to make a payment. If the preset payment purpose is different from the current payment purpose, the payment center  20  will reject to make the payment with the paperless payment file  30 . The preset payment time refers to that the paperless payment file  30  may only make the payment at a preset time or during a preset period. The paperless payment file  30  may not be utilized to make a payment out of the preset payment time. The preset payment location refers to the location or area to use the paperless payment file  30 . The paperless payment file  30  may not be utilized to make a payment if the payment occurs out of the preset payment location. The preset payer refers to the person utilizing the paperless payment file  30  to make the payment. The payment center  20  will verify if the current payer is the preset payer when the paperless payment file  30  is utilized to make the payment. If the current payer is different from the preset payer, the current payer will not be allowed to utilize the paperless payment file  30  to make the payment. It is worth mentioning that the preset payer can be preset to be one or more payers. If the preset payer refers to multiple payers, the payers will share the payment limit. The preset payee refers to the payee of the paperless payment file  30 . If the preset payee is not the current payee, the payment will be ceased. The preset payment terminal refers to that the paperless payment file  30  is bound to a preset payment terminal. The payment center  20  will make the payment only when the paperless payment file  30  is utilized through the preset payment terminal. In other words, the paperless payment file  30  may not be utilized to make the payment through other payment terminal. It is worth mentioning that the plan providing unit  11  can be configured to forbid or allow cancellation of the payment plan  31 . If the payment plan  31  is configured to allow cancellation or change, the payment plan  31  may both be cancelled or modified before it is used. If the payment plan  31  is used or being used, the payment plan  31  may not be cancelled or changed. 
     When the setup of the payment plan  31  is completed, the payment plan  31  of the paperless payment file  30  will be sent to the generating unit  12  by the plan providing unit  11 . The generating unit  12  will generate the paperless payment file  30  according to the provided payment plan  31  by means of encoding or encrypting. The paperless payment file  30  can be revealed as a payment code, such as QR code, two-dimensional time code, three-dimensional code or three-dimensional time code, and etc. The two-dimensional time code refers to that the QR code allowing a time record), such as recording the generated time, the payment time, the receiving time, and etc. of the QR code, be added thereon. The three-dimensional code refers to that the payment code can be presented in a three-dimensional form, so as to carry more content of the payment. The three-dimensional time code refers to that the three-dimensional code further allowing the generated time, the payment time, the receiving time, and etc. to be recorded. It is worth mentioning that the paperless payment file  30  can also be presented in the form of a 5 second or shorter video clip. That is to say, the generating unit  12  generates a second or shorter video clip according to the content of the payment by means of encoding or encrypting. Preferably, the generating unit  12  generates a one second long video clip according to the content of the payment by means of encoding or encrypting. The paperless payment file  30  may also be presented as a picture. 
     The payment center  20  further comprises a content acquiring unit  21 , a verification unit  22 , and a payment unit  23  communicating and connecting with one another. When the paperless payment file  30  is utilized to make a payment, the content acquiring unit  21  will acquire the content of the payment plan  31  of the paperless payment file  30  and send it to the verification unit  22 . In addition, the content acquiring unit  21  may further acquire the current payment information, such as current payment purpose, current payment location, current payment time, current payment limit, and etc. Then the content acquiring unit  21  will send the acquired current payment information to the verification unit  22 . The verification unit  22  will verify the current payment information and the content of the payment plan  31  of the paperless payment file  30 . If the current payment information conforms to the content of the payment plan  11  of the paperless payment file  30 , the verification unit  22  will send a message of payment confirmation to the payment unit  23 . The payment unit  23  will make the payment after receiving the message of payment confirmation. If the current payment information does not conform to the preset payment content of the paperless payment file  30 , the verification unit  22  will send a message of payment termination to the payment unit  23 . The payment unit  23  will cancel the payment after receiving the message of payment termination. 
     It is worth mentioning that the plan providing unit  11  may have a preset verification content for verifying the identity of the payer who is utilizing the paperless payment file  30 . The plan providing unit  11  further comprises a payment plan providing module  111  and a verification plan providing module  112 . The payment plan providing module  111  communicates and connects with the verification plan providing module  112 . The payment plan providing module  111  is for providing the payment plan  31 . The verification plan providing module  112  is adaptable to provide at least a verification plan  32  for identifying the user of the paperless payment file. The verification plan  32  allows biological features of the user, such as the fingerprint, palm print, pupil, pupil distance, voice print, face, phalanges, skull, and etc., to be established and configured therein. The verification plan  32  may further comprise a verification action configured therein. For example, the payer may conduct an action when holding a smart device that has a gyroscope arranged therein. Then the verification plan providing module  112  can record the information of the action of the user through the gyroscope. The verification plan providing module  112  allows one or more of the biological features and/or verification actions to be selected and utilized for the verification plan  32  when establishing the verification plan  32 . The paperless payment file  30  comprises the payment plan  31  and the verification plan  32 . 
     The generation center  10  further comprises an authorization unit  13  communicating and connecting with the plan providing unit  11  and the generating unit  12  respectively. The plan providing unit  11  will send the payment plan  31  of the paperless payment file  30  to the authorization unit  13  as the preset content of the paperless payment file  30  is established and provided. An authorizing person may utilize the authorization unit  13  to review and verify the payment plan  31  of the paperless payment file  30 . Once the authorizing person has passed the payment plan  31  of the paperless payment file  30 , the authorization unit  13  will send the payment plan  31  of the paperless payment file  30  to the generating unit  12 . Then the generating unit  12  generates corresponding paperless payment file  30  according to the payment plan  31  of the paperless payment file  30 . It is worth mentioning that the preset content of the paperless payment file  30  does not have to be edited by the payer in person through the authorization unit  13 . Instead, it may also be assisted or edited through others. In that case, the payer only has to verify and authorize the content, which makes the use of the paperless payment file much flexible. 
     If the paperless payment file  30  includes the payment plan  31  and the verification plan  32 , the verification unit  22  of the payment center  20  must verify the payment plan  31  and the verification plan  32 . The payment unit  23  will make the payment according to the payment plan  31  of the paperless payment file  30  when the payment plan  31  and the verification plan  32  of the paperless payment file  30  are both verified. 
     The paperless payment system further comprises a value constant management center  40 . The value constant management center  40  is respectively communicated and connected with the generation center  10  and the payment center  20 . The value constant management center  40  is for managing the value constant owned by the user. The value constant refers to a constant, such as π, and etc. Preferably, the paperless payment system of the present invention utilizes the value constant to make the payment. The value constant management center  40  further comprises a user management unit  41  and a value constant management unit  42 . Preferably, the user management unit  41  assigns each user a corresponding identifier  4111 , so as for identifying each user. The user management unit  41  utilizes the identifier to manage corresponding information of the user. Preferably, the identifier  4111  can be open to the public. Preferably, the identifier  4111  can be changed. The value constant management unit  42  utilizes the identifier  4111  to manage corresponding value constant limit of the user. For example, the value constant of a user corresponded to an identifier  4111  can be increased, the value constant of a user corresponded to an identifier  4111  can be decreased, the value constant of an identifier  4111  can be transferred to the value constant of another identifier  4111 , and etc. It is worth mentioning that the paperless payment system of the present invention is logged on with the user&#39;s biological feature. The biological feature includes fingerprint, intraocular distance, retina, voice print, face, and etc. The user may setup and utilize one or more of the biological features for logging on the system. Preferably, the paperless payment system of the present invention does not record password. When the user is logging on with biological feature, the verification unit  22  will examine and verify the biological feature of the user and generate a verification code based on the biological feature of the user. Besides, the user management unit  41  will generate a second verification code. The user management unit  41  will send the second verification code to the verification unit  22  so as to be matched with the verification code. If these two verification codes match, the user will be allowed to log on the system. Otherwise, the user cannot log on the system. It is worth mentioning that the information of the user recorded in the user management unit  41  is encrypted. The use of the individual information of a user can only be authorized when the user is identified. 
     The user management unit  41  further includes a general information management module  411  and a verification information management module  412 . The general information management module  411  manages the general information of the user, which includes data like name, age, educational background, work history, and etc. The verification information management module  412  is for managing the verification information of the user, such as the biological features or verification action corresponded to the user. The user management unit  41  is communicated and connected with the plan providing unit  11  for providing verification information of the corresponded user for establishing the verification plan  32 . The plan providing unit  11  picks up verification information for establishing the verification plan  32  from the verification information management module  412 . The user management unit  41  further includes a verification information generating module  413 . The verification information generating module  413  is respectively communicated and connected with the verification unit  22 , the general information management module  411 , and the verification information management module  412 . When the user is logging on, the verification unit  22  will examine and verify the biological feature of the user and generate the verification code based on the biological feature of the user. The verification information generating module  413  can acquire general information and verification information corresponded to the user from the general information management module  411  and/or the verification information management module  412 . The verification information generating module  413  generates a second verification code according to the general information and verification information corresponded to the user. The verification unit  22  matched the verification code with the second verification code. If the verification codes match with each other, the user will be allowed to log on the system. If the verification codes do not match with each other, the user will not be allowed to log on the system. 
     The verification information generating module  413  is further communicated and connected with the plan providing unit  11 . The verification information generating module  413  can acquire general information and verification information corresponded to the user from the general information management module  411  and the verification information management module  412  respectively. Then the verification information generating module  413  will respectively extract part of the general information corresponded to the user and part of the verification information corresponded to the user and edit the extracted part of the general information and verification information of the user to generate a verification content  4131 . The verification plan providing module  112  of the plan providing unit  11  acquires the verification content  4131  from the generating unit  413  for establishing the verification plan  32 . For instance, the verification information  413  can respectively acquire the educational background information from the general information corresponded to the user and the intraocular distance information of the user from the verification information corresponded to the user, and then generate a verification information corresponded to the user with the educational background information and the intraocular distance information of the user. The verification information  413   1  corresponded to the user will then be transmitted to the plan providing unit  11 . The verification plan providing module  112  of the plan providing unit  11  establishes and provides the verification plan  32  of the paperless payment file  30  according to the verification information  4131  corresponded to the user. The verification unit  22  of the payment center  20  conducts verification based on the verification plan  32  when the paperless payment file  30  is utilized to make the payment. If it passes the verification, the payment center  23  will respectively transmit the identifier  4111  of the payer, the identifier  4111  of the payee, and the payment limit to the value constant management unit  42 . The value constant management unit  42  will then transfer the value constant of the amount equal to the payment limit from the identifier  4111  of the payer to the identifier  4111  of the payee. 
     It is worth mentioning that the verification information management module  412  may allow at least an emergent verification plan  4121  be set. The emergent verification plan  4121  refers to an emergent verification plan  4121  available for the user to use in case of emergency. The emergency includes being threatened, having accident, requiring urgent help, in danger of life, and etc. The verification unit  22  will call the police when receiving the emergent verification plan  4121 , so as to inform the police that the user encounters emergency. For example, the user may assign his/her emergent verification plan to be verification with fingerprint of his/her ring finger. Once the user is using the paperless payment file and threatened, she/he can then utilize fingerprint of his/her ring finger at the verification. When the verification unit  22  receives fingerprint of the ring finger of the user for verification, the verification unit  22  will execute the emergent verification plan  4121  of the user: to call the police. It is worth mentioning that the emergent verification plan  4121  may also be configured to be a two-step verification, so as to prevent misoperation. For instance, when the user utilizes fingerprint of his/her ring finger for verification, once the verification unit  22  receives it, the verification unit  22  will start the emergent verification plan  4121  of the user: to ask for verification again. The verification unit  22  prompts the request to ask the user to conduct the verification again. If the user utilize fingerprint of his/her ring finger for verification again, the verification unit  22  will execute the emergent verification plan  4121 : to call the police. If the user utilize fingerprint of other finger for verification, the verification unit  22  will call off the execution of the emergent verification plan  4121  and execute the paying operation. 
     The user management unit  41  further comprises a paperless payment file management module  414  communicating and connecting with the generation center  10 , so as for the generating unit  13  to receive the paperless payment file  30 . The paperless payment file management module is for the user to manage his/her own paperless payment file  30 . The value constant management center  40  further comprises a value constant appraisal unit  44  communicated and connected with the general information management module  411  of the user management unit  41  for acquiring the general information of the user. The value constant appraisal unit  44  appraises the value constant factor “a” of the user based on the general information of the user. The value constant appraisal unit  44  acquires the time “h” spent by the user for completing a job or providing a service through connecting to an external metering device and, therefore, determines that the value constant (VC) that the user should obtain from that job equals to “a” times “h” (VC=ah). 
     The value constant management center  40  further comprises a credit unit  43  communicating and connecting with the user management unit  41 , the value constant management unit  42 , the generation center  10 , and the payment center  20  respectively. The credit unit  43  establishes a preset credit limit according to the identifier  4111 . Preferably, the credit limit is in value constant. The preset credit limit is adjusted through the credit unit  43 . Preferably, the credit unit  43  presets the same amount of credit limit for each user. The credit limit can be utilized to make the payment. Preferably, the credit limit is in value constant. When the preset credit limit of the user is used up, the credit unit  43  will lock the identifier  4111  of the user so as to forbid the user from paying with credit limit. When the credit unit  43  receives a paid back value constant in the amount equals to the credit limit from the user, the credit unit  43  will unlock the user&#39;s account so as to allow the user to keep utilizing the credit limit to make the payment. 
     After the identifier  4111  of the user is established, the credit unit  43  will establish the credit limit of the user according to the identifier  4111  of the user. The credit limit established and provided by the credit unit  43  is in value constant. Preferably, the credit unit  43  presets the same amount of credit limit for each user. Further, the credit unit  43  acquires the general information of the user from the general information management module  411  of the user management unit  41 . Then the credit unit  43  will adjust the credit limit of the user based on the general information of the user. The credit unit  43  monitors the credit limit of each user. When the credit limit of the user is used up, the credit unit  43  will lock the identifier  4111  of the user so as to stop the identifier  4111  from paying with the credit limit of the user. When the user pays back a value constant in the amount equals to the credit limit, the credit unit  43  will unlock his/her identifier  4111  so as to allow the identifier  4111  to keep utilizing the credit limit to make the payment. 
     It is worth mentioning that the credit unit  43  may adjust the credit limit of the user based on a amount of value constant equal to a collateral of the user, such that the user may utilize the amount of value constant equal to the collateral to make the payment. Specifically speaking, the value constant limit of the collateral of the user has to be appraised. Then the credit unit  43  may adjust the credit limit of the user accordingly. The value constant limit of the collateral of the user will be added to the credit limit of the user, so as to increase the credit limit of the user. 
     The credit unit  43  is also for adjusting the credit limits among the users. If the credit limit of the user is insufficient to make the payment, the user may also borrow credit limit from another user through the credit unit  43 . The user may provide the paperless payment file  30  and send it to another user. The second user can review the paperless payment file  30  and execute the paperless payment file  30  if s/he agrees. Then the credit unit  43  will be executed according to the payment plan  31  of the paperless payment file  30 . Specifically speaking, the user established the payment plan  31  through the plan providing unit  11  of the generation center  10 . For example, the user establishes two payment plans  31  through the plan providing unit  11 , wherein one of the payment plan  31  is a borrowing plan, while the other payment plan  31  is a repaying plan. In the borrowing plan, the first user configures the payer as the identifier  4111  of the second user and the payee as the identifier  4111  of the first user. Then the first user further configures the borrowing limit, time to receive the loan, purpose of the loan, and etc. In the other payment plan  31 , the repaying plan is configured. In the repaying plan, it can be configured as a repaying in full or installments. It can also include the amount of value constant of each installment. The payer is configured as the identifier  4111  of the first user, while the payee is configured as the identifier  4111  of the second user. Then these two payment plans  31  will be transmitted to the authorization unit  13 . The second user reviews the two payment plans  31  through the authorization unit  13 . If the second user approves the two payment plans  31 , the two payment plans  31  will be authorized through the authorization unit  13 . When these two payment plans  31  are authorized by both users, these two payment plans  31  will be sent to the generating unit  12 . Then the generating unit  12  will generate the paperless payment file  30  according to these two payment plans  31 . Then the paperless payment file  30  will be sent to the payment center  20 . 
     The payment center  20  will make the payment according to the two payment plan  31  of the paperless payment file  30 . The content acquiring unit  21  acquires the content of the payment plan  31 . The payment plan  31  is the borrowing plan. The content of the payment plan  31  will be sent to the verification unit  22 . The verification unit  22  will verify the content of the payment plan  31 , the authorization of the user, and the authorization of the second user. If verified, the content of the payment plan  31  will be transmitted to the payment unit  31 . The payment unit  23  will execute the payment according to the payment plan  31 . The payment unit  23  will transmit the content of the payment plan  31  to the credit unit  43 . The credit unit  43  will, according to the content of the payment plan  31 , deduct the amount of credit configured in the payment plan  31  from the credit limit of the second user and add it into the credit limit of the user configured in the payment plan  31 . It is worth mentioning that the credit unit  43  will mark the credit limit obtained by the user, such that the obtained credit limit may only be utilized on the purposes recorded in the payment plan  31 . In other words, when the user utilizes the paperless payment file  30  to make the payment, if the use of the payment configured in the payment plan  31  of the paperless payment file  30  does not conform to the purposes of the loan, the payment unit  23  will be unable to use that marked loan of the user to make the payment, so as to ensure that the loan will be spent for the marked purposes. If the use of the payment configured in the payment plan  31  of the paperless payment file  30  conforms to the purposes of the loan, the payment unit  23  may use that marked loan of the user to make the payment. The credit unit  43  will deduct payment limit from the marked credit limit of the identifier  4111 . When the loan is repaid, the payment unit  23  will be executed according to the other payment plan  31  of the paperless payment file  30 . If the other payment plan  31  is configured to be repaid in installments, the payment unit  23  will be automatically executed in the assigned dates to make the repayments. It is worth mentioning that if the user has repaid off the loan, but has not used up the loan, the credit unit  43  will remove the mark of the loan, such that the loan may be utilized for other purposes. 
     It is worth mentioning that the user may also borrow from a plurality of users through the credit unit  43 . The user establishes a paperless payment file  30  to borrow from a first user, but the credit limit of the first user is insufficient for the loan. Therefore, the user establishes another paperless payment file  30  to borrow from a second user. If the credit limit of the second user is insufficient for the loan of the user, s/he could continue to borrow from a third user. In the end, the borrowing need of the user can be fully satisfied. 
     When the user utilizes the loan, the payment center  20  will match the current payment purpose of the user to the paperless payment file  30 . The payment center  20  will make the payment according to the payment plan  31  of one of the paperless payment file  30  if the payment plan  31  of the paperless payment file  30  matches the current payment purpose. Specifically speaking, the content acquiring unit  21  will acquire the current payment purpose. The content acquiring unit  21  respectively acquires the payment plans  31  from all of the paperless payment files  30 . The verification unit  22  respectively verifies the current payment purpose of the user with the payment plans  31  of all the paperless payment files  30 . The payment unit  23  will make the payment according to the payment plan  31  of one of the paperless payment file  30  if the payment plan  31  of the paperless payment file  30  matches the current payment purpose. In this way, the use of the loan can be controlled, so as to protect the interests of the lender. 
       FIG. 6  is a flow diagram of a paperless credit limit adjustment method of the paperless payment system according to a preferred embodiment of the present invention. 
     The present invention further provides a paperless credit limit adjustment method, comprising the following steps: 
     Step  1001 : establishing a payment plan  31  of borrowing and a payment plan  31  of repaying. 
     It establishes at least two payment plans  31  through the plan providing unit  11 , wherein one of the payment plan  31  is a payment plan  31  of borrowing, while the other payment plan  31  is a payment plan  31  of repaying. 
     Step  1002 : authorizing the payment plan  31  of borrowing and the payment plan  31  of repaying. 
     The borrower and the lender respectively examine and verify the payment plan  31  of borrowing and the payment plan  31  of repaying through the authorization unit. If both the borrower and the lender pass the payment plan  31  of borrowing and the payment plan  31  of repaying, the borrower and the lender will respectively authorize the payment plan  31  of borrowing and the payment plan  31  of repaying. 
     Step  1003 : generating the paperless payment file  30  according to the payment plan  31  of borrowing and the payment plan  31  of repaying by the generating unit  11 . 
     Step  1004 : acquiring the payment plan  31  of borrowing from the paperless payment files  30  by the content acquiring unit  21 . 
     Step  1005 : verifying if the payment plan  31  of borrowing is authorized by the verification unit  22  and continuing on step  1006  if it is authorized. If it is not authorized, the execution will be terminated. 
     Step  1006 : executing the paperless payment file  30  according to the payment plan  31  of borrowing by the payment unit  23 . 
     Step  1007 : respectively adjusting the credit limits of the identifier  4111  of the borrower and the identifier  4111  of the lender according to the payment plan  31  by the credit unit  43  and marking the purpose of the credit limit obtained by the identifier  4111  of the borrower according to the loan purpose recorded in the payment plan  31  of the loan. 
     The credit unit  43  adds the amount of credit limit configured in the payment plan  31  of the loan into the credit limit corresponded to the identifier  4111  of the borrower according to the credit limit configured in the payment plan  31  of the loan. Then it will mark the loan purpose recorded in the payment plan  31  of the loan on the added credit limit be under the identifier  4111  of the borrower, such that the borrowed credit limit of the borrower may only be utilized in the marked purpose. The credit unit  43  also deducts the amount of credit limit configured in the payment plan  31  of the loan from the credit limit corresponded to the identifier  4111  of the lender according to the credit limit configured in the payment plan  31  of the loan. 
     Step  1008 : monitoring and controlling the use of the credit limit obtained by the borrower. 
     When the borrower utilize the obtained credit limit through the paperless payment file  30 , the verification unit  22  will verify if the use of the payment configured in the payment plan  31  of the paperless payment file  30  conforms to the purpose marked on the obtained credit limit. If it does, then the payment unit  23  will make the payment according to the payment plan  31  of the paperless payment file  30 . If it does not, then the payment unit  23  will cease the payment. 
     Step  1009 : acquiring the payment plan  31  of repaying from the paperless payment files  30  by the content acquiring unit  21 . 
     Step  1010 : verifying if the payment plan  31  of repaying is authorized by the verification unit  22  and continuing on step  1006  if it is authorized. If it is not authorized, the execution will be terminated. 
     Step  1011 : executing the paperless payment file  30  according to the payment plan  31  of repaying by the payment unit  23 . 
     If the payment plan  31  of repaying is configured as repaying in full, the payment unit  23  will respectively adjust the value constant limits of the identifiers  4111  of the borrower and the lender through the value constant management unit  42  accordingly. The value constant management unit  42  decreases the amount of repaying from the value constant limit of the identifier  4111  of the borrower and increases the amount of repaying to the value constant limit of the identifier  4111  of the lender. If the payment plan  31  of repaying is configured as repaying in installments, the payment unit  23  will respectively adjust the value constant limits of the identifiers  4111  of the borrower and the lender through the value constant management unit  42  accordingly when it is the time to repay. It is worth mentioning that the payment plan  31  of repaying can be configured to repay in accordance with each income of the identifier  4111  of the borrower. For instance, the proportion for repaying from each income of the identifier  4111  of the borrower can be configured in the payment plan  31  of repaying. The payment unit  23  detects the identifier  4111  of the borrower through the value constant management unit  42 . When the identifier  4111  of the borrower has received an income, the value constant management unit  42  will adjust the value constant limits of the identifiers  4111  of the borrower and the lender respectively according to the proportion for repaying configured in the payment plan  31  of repaying. 
     It is worth mentioning that the borrower can determine the quantity of the lender based on the requiring amount of the value unit of borrowing and establish corresponding paperless payment files  30  respectively. 
     The paperless payment system of the present invention further provides a crowdfunding center  50 . The crowdfunding center  50  is respectively communicated and connected with the generation center  10 , the payment center  20 , and the value constant management center  40 . The user may publish at least a crowdfunding project  51  at the crowdfunding center  50 . Preferably, the crowdfunding center  50  manage the crowdfunding project  51  published by the user through the corresponding identifier  41111  of the user. 
     The participants of the crowdfunding project  51  generate the paperless payment file  30  of the crowdfunding project  51  through the generation center  10 . The shares of the participants are provided in the payment plan  31  of the paperless payment file  30  of the crowdfunding project  51 . In other words, when the crowdfunding project  51  gains a profit, the profit obtained will be distributed according to the shares established in the payment plan  31  of the paperless payment file  30  of the crowdfunding project  51 . Preferably, every time when the crowdfunding project  51  gains a profit, the profit obtained will be directly distributed according to the shares established in the payment plan  31  of the paperless payment file  30  of the crowdfunding project  51 . The “directly” means that every profit that the crowdfunding project  51  gains will make the payment through the payment center  20  according to the payment plan  31  of the paperless payment file  30  of the crowdfunding project  51 . It does not require going through a third party. Specifically speaking, the payment plan  31  is established and provided through the plan providing unit  11 , wherein the payer is configured as the crowdfunding project  51  and the payee is configured as the participants of the crowdfunding project  51 . The payment plan  31  further allows the shares of the participants to be established and configured. The generating unit  12  will generate the paperless payment file  30  of the crowdfunding project  51  according to the payment plan  31 . It is worth mentioning that the payment plan can be transmitted to the authorization unit  13 , where the participants may edit the payment plan  31  therethrough. When the payment plan  31  is authorized by the participants respectively, the payment plan  31  will be sent to the generation center  12 . If the verification unit  22  of the payment center  20  detects that one of the payees of the payment plan  31  of the paperless payment file  30  is the crowdfunding project  51 , the payment center  20  will execute the paperless payment file  30  of the crowdfunding project  51 . The payment unit  23  will utilize the value constant limit paid to the crowdfunding project  51  to make payments according to the paperless payment file  30  of the crowdfunding project  51 . In other words, the payment unit  23  will utilize the value constant limit paid to the crowdfunding project  51  to make payments according to the shares of the participants provided in the payment plan  31  of the paperless payment file  30  of the crowdfunding project  51 . The participants of the crowdfunding project  51  respectively obtain value constant limits of the corresponding proportion. 
     It is worth mentioning that the crowdfunding center  50  provides another management mode of the crowdfunding project  51 . After the crowdfunding project  51  is published in the crowdfunding center  50 , the value constant management center  40  will establish a corresponding crowdfunding project identifier  5111 , so as for the value constant management center  40  to manage the crowdfunding project  51 . The value constant obtained from the crowdfunding project  51  will be managed with the crowdfunding project  5111 . When the value constant management unit  42  of the value constant management center  40  detects the crowdfunding project  51  through the crowdfunding project identifier  5111 , the payment center  20  will execute the paperless payment file  30  of the crowdfunding project  51 . The payment unit  23  will utilize the value constant limit paid to the crowdfunding project  51  to make payments according to the shares of the participants provided in the payment plan  31  of the paperless payment file  30  of the crowdfunding project  51 . Preferably, the payment center  20  makes payments according to the paperless payment file  30  of the crowdfunding project  51  and the crowdfunding project identifier  5111  when the crowdfunding project  51  obtains a profit. 
     For example, the user may publish a crowdfunding project  51  of a coffee shop in the crowdfunding center  50 . The user is a barista, so he utilizes the crowdfunding center  50  to publish resources that the crowdfunding coffee shop lacks, such as a store, materials, a waiter, a pastry chef, and etc. A second user can be a landlord who is able to provide a store for the coffee shop. A third user can be a material supplier. A fourth user can be a waiter. A fifth user can be a pastry chef. The user establishes the payment plan  31  through the plan providing unit  11 . The payer is the crowdfunding project  51  of the coffee shop and the payees are respectively the user, the landlord, the material supplier, the waiter, and the pastry chef. The user may configure the shares and send the payment plan  31  to the authorization unit  32 . The shares refer to the shares or portions of the profit that the users who have participated in the crowdfunding project deserves, such that she/he may obtain the portion of profit from each profit made from each time a merchandise is sold. The user, landlord, material supplier, waiter, and pastry chef edit the content of the payment plan  31  through the authorization unit  32 . After the payees, namely, the user, the landlord, the material supplier, the waiter, and the pastry chef, have authorized it, the payment plan  31  will be transmitted to the generating unit  12 . The generating unit  12  will generate the paperless payment file  30  of the coffee shop. Then the paperless payment file  30  of the coffee shop will be sent to the payment center  20 . The payment center  20  makes the payment according to the paperless payment file  30  of the coffee shop. 
     The store of the landlord requires renovation, so the landlord may start a crowdfunding project  51  of the renovation through the crowdfunding center  50 . The landlord provides the payment plan  31  through the plan providing unit  11 . The payer is configured as the identifiers  4111  of the landlord and the crowdfunding project  51  of the coffee shop, while the payee is configured as the identifiers  4111  of the landlord and the renovation service provider. The shares of the profit of the landlord and the renovation service provider are preset. After the payment plan  31  has been established and provided, it will be transmitted to the authorization unit  13 . The landlord and the renovation service provider edit the payment plan  31  through the authorization unit  13 . The landlord and the renovation service provider respectively authorize the payment plan  31  through the authorization unit  13 . The authorized payment plan  31  will be sent to the generating unit  12 . The generating unit  12  will generate the paperless payment file  30  of the renovation according to the payment plan  31 . The paperless payment file  30  of the renovation will be sent to the payment center  20  and the payment center  20  will make payments according to the paperless payment file  30 . 
     The renovation service provider has to transport the renovation materials to the store of the landlord, so the renovation service provider may utilize the crowdfunding center  50  to start a crowdfunding project  51  of transportation with the identifier  4111  of the renovation service provider. The renovation service provider provides the payment plan  31  through the plan providing unit  11 . The payer of the payment plan  31  is configured as the identifiers  4111  of the renovation service provider and the crowdfunding project  51  of the renovation, while the payee is configured as the identifiers  4111  of the renovation service provider and the transportation service provider. The renovation service provider established and configured the shares of the profit. Then the payment plan  31  will be transmitted to the authorization unit  13 . The renovation service provider and the transportation service provider utilize the authorization unit  13  to edit the payment plan  31  and reach a consensus. After the renovation service provider and the transportation service provider authorized the payment plan  31 , the payment plan  31  will be sent to the generating unit  12  by the authorization unit  13 . The generating unit  12  will generate the paperless payment file  30  of the transportation according to the payment plan  31 . The paperless payment file  30  of the transportation will be sent to the payment center  20  by the generating unit  12  and the payment center  20  will make payments according to the paperless payment file  30  of the transportation. 
     When the customer utilizes the paperless payment file  30  to buy merchandise in the coffee shop established through the crowdfunding project  51  of the coffee shop, the payment unit  20  will utilize the value constant limit paid by the customer to pay to the crowdfunding project  51  of the coffee shop. When the verification unit  22  of the payment unit  20  detects that the crowdfunding project  51  of the coffee shop has received a profit, it will trigger the content acquiring unit  21  to acquire the payment plan  31  of the paperless payment file  30  of the coffee shop and send the payment plan  31  of the paperless payment file  30  of the coffee shop to the verification unit  22 . The verification unit  22  verifies the payment plan  31  of the paperless payment file  30  of the coffee shop. The payer is the crowdfunding project  51  of the coffee shop and all of the user, landlord, material supplier, waiter, and pastry chef have authorized, so the payment plan  31  of the paperless payment file  30  of the coffee shop will pass the verification. The payment unit  23  makes payments to the identifier  4111  of the user, the identifier  4111  of the landlord, the identifier  4111  of the material supplier, the identifier  4111  of the waiter, and the identifier  4111  of the pastry chef according to the shares recorded in the payment plan  31  of the paperless payment file  30  of the coffee shop. 
     When the verification unit  22  of the payment unit  20  detects that the identifier  4111  of the landlord has received the profit of the crowdfunding project  51  of the coffee shop, it will trigger the content acquiring unit  21  to acquire the payment plan  31  of the paperless payment file  30  of the renovation and send the payment plan  31  of the paperless payment file  30  of the renovation to the verification unit  22 . The verification unit  22  verifies the payment plan  31  of the paperless payment file  30  of the renovation. The payer is the crowdfunding project  51  of the coffee shop, which is from the identifier  4111  of the landlord, and both the landlord and the renovation service provider have authorized it, so the payment plan  31  of the paperless payment file  30  will pass the verification. The payment unit  23  makes payments to the identifier  4111  of the landlord and the identifier  4111  of the renovation service provider according to shares recorded in the payment plan  31  of the paperless payment file  30  of the renovation. 
     When the verification unit  22  of the payment unit  20  detects that the identifier  4111  of the renovation has received the profit of the crowdfunding project  51  of the renovation, it will trigger the content acquiring unit  21  to acquire the payment plan  31  of the paperless payment file  30  of the renovation and send the payment plan  31  of the paperless payment file  30  of the transportation to the verification unit  22 . The verification unit  22  verifies the payment plan  31  of the paperless payment file  30  of the transportation. The payer is the crowdfunding project  51  of the renovation, which is from the identifier  4111  of the renovation service provider, and both the renovation service provider and the transportation service provider have authorized it, so the payment plan  31  of the paperless payment file  30  will pass the verification. The payment unit  23  makes payments to the identifier  4111  of the transportation service provider and the identifier  4111  of the renovation service provider according to shares recorded in the payment plan  31  of the paperless payment file  30  of the transportation. 
       FIG. 2  illustrates a flow diagram of the crowdfunding method according to a preferred embodiment of the present invention. 
     The crowdfunding method of the present invention comprises the following steps: 
     Step  2001 : publishing a crowdfunding project  51  through the crowdfunding center  50 . 
     Step  2002 : establishing corresponding paperless payment file  30  according to the crowdfunding project  51 . 
     Step  2003 : making the payment according to the corresponding paperless payment file  30 . 
     The step  2002  further comprises the following steps: 
     Step  20021 : establishing the payment plan  31 , wherein the payer is configured as the corresponding crowdfunding project  51  and the payee is configured as the participants of the crowdfunding project  51 , wherein the shares of the participants are provided as well, such that it can make payments according to the shares when the crowdfunding project  51  gains profit. 
     Step  20022 : authorizing the payment plan  31  by each of the participants of the crowdfunding project  51 . 
     Step  20023 : generating the corresponding paperless payment file  30 . 
     The step  20021  may be replaced with step  20021 ′: establishing the payment plan  31 , wherein the payer is configured as the corresponding crowdfunding project  51  and the identifiers  4111  of the participants of the corresponding crowdfunding project and the payee is configured as the participants of the crowdfunding project  51 , wherein the shares of the participants are provided as well, such that it can make payments according to the shares when the crowdfunding project  51  gains profit. 
     The step  2003  further comprises the following steps: 
     Step  20031 : detecting if the corresponding crowdfunding project  51  has received a profit and executing step  20031  if the corresponding crowdfunding project  51  has received a profit or standing by if the corresponding crowdfunding project  51  has not received a profit. 
     Step  20032 : acquiring the corresponding payment plan  31  of the paperless payment file  30 . 
     Step  20033 : verifying the corresponding payment plan  31  of the paperless payment file  30 . 
     Step  20034 : distributing the received profit according to the shares established in payment plan  31  of the corresponding paperless payment file  30 . 
     The step  20031  can be substituted by step  20031 ′: detecting if the corresponding crowdfunding project  51  has received a profit from the identifier  4111  of the participant of the corresponding crowdfunding project  51  and executing step  20032  if so or standing by if the corresponding crowdfunding project has not received the profit. 
     Preferably, every profit that the crowdfunding project  51  gains directly makes payment by the payment center  20  according to the payment plan  31  of the paperless payment file  30  of the crowdfunding project  51 . Hence the paperless payment system according to the present invention does not have to work through a third party 
     The paperless payment system of the present invention further comprises a tax center  60 . The tax center  60  is respectively communicated and connected with the crowdfunding center  50 , the generation center  10 , the payment center  20 , and the value constant management center  40 . The tax center  60  allows at least a set of tax rules to be established and configured, such that the tax center  60  will collect taxes based on the set of configured tax rules. For example, when the user is shopping, he may utilize the paperless payment file  30  to buy goods. Then the tax center  60  will determine if the current payment has to pay tax based on the tax rules. If it has to, the tax center  60  will send a paperless payment file  30  of tax to the payment center  20  when the payment center  20  is processing the current payment, so as to ask the payment center  20  for the tax payment. After the payment center  20  received the paperless payment file  30  of duty, it will pay the tax according to the paperless payment file  30  of duty. It is worth mentioning that the tax center  60  can provide a taxation estimate in the establishing step of the paperless payment file. The user has to authorize the tax center  60  to access the plan providing unit  11  when the user is establishing the paperless payment file  30 . When the user input the use of the payment and the amount of the payment, the tax center  60  will estimate the required taxation based on the use of the payment and the amount of the payment, so as for the user to configure the payable taxation into the payment plan as well. Preferably, the tax center manages the user&#39;s taxation according to the corresponding identifier  5111  of the user. 
     It is worth mentioning that when establishing the paperless payment file  30  of the crowdfunding project  51 , the tax center  60  will reveal the proportion of payable taxation of each of the profit gain by the crowdfunding project  51  based on the tax rules. The payable tax rates of the crowdfunding project  51  and the participants are configured in the payment plan  31  of the paperless payment file  30  of the crowdfunding project  51 . Every profit that the crowdfunding project gains will be taxed by the payment unit  23  of the payment center  20  according to the payable tax rate configured in the payment plan  31  of the paperless payment file  30  of the crowdfunding project  51 . It is worth mentioning that the crowdfunding project  51  pay taxes directly through the payment center  20  rather than through a third party. The paperless payment system of the present invention further comprises a financial management center  70 . The financial management center  70  is respectively communicated and connected with the payment center  20 , the tax center  60 , and the value constant management center  40 . After the payment center  20  has made a payment based on the paperless payment file  30 , the payment center  20  will send a payment status receipt  71  to the financial management center  70 . The financial management center  70  records the payment statuses on the identifiers  4111  of the payer and the payee respectively according to the payment status receipt, so as for the payer and the payee to understand their expenses and receipts. The financial management center  70  further organizes the expenses and receipts of the user based on the user&#39;s request. Preferably, the financial management center  70  manages use&#39;s financial position according to the identifier  4111  of the user. Preferably, the accounting management module records the payment statuses on the identifiers of the payer and the payee respectively according to the payment status receipt and inputs them into corresponding accounting items according to accounting provisions, so as to finish the accounting management. 
       FIG. 3  is a perspective view of a payment scene of the paperless payment system according to the above preferred embodiment of the present invention. The user utilizes the paperless payment file  30  to make a payment in a restaurant. The user utilizes an identity identifying device  221  to identify his/her biological features. The identity identifying device  221  is communicated and connected with the verification unit  22  of the payment center  20 . The identity identifying device  221  is utilized for identifying the biological features of the user. According to the present embodiment, it is the user&#39;s fingerprint. The restaurant provides a payment terminal  80  communicated and connected with the payment center  20 . The payment terminal  80  has a monitor for displaying the consumed items of the user and the required amount of the payment. The monitor is preferably a touch screen. The payment terminal  80  comprises an identity identifying device  221 . The user may put his finger on the identity identifying device  221  so as to be identified. The identity identifying device  221  sends the fingerprint information of the user to the verification unit  22 . The verification unit  22  searches the identifier  4111  of the user according to the fingerprint information of the user. It can check and search if there is a previously established paperless payment file  30  through the paperless payment file management module  414  according to the fingerprint information of the user in the identifier  4111  of the user. If the user has a previously established paperless payment file  30 . Then the verification unit  22  will notice the content acquiring unit  21  to acquire the payment plan  31  of the paperless payment files  30 . The content acquiring unit  21  will send the acquired payment plan  31  to the verification unit  22 . The verification unit  22  verifies the payment plan  31  and the current payment information. If the current payment information conforms to the payment plan  31 , the payment unit  23  will make a payment according to the payment plan  31 . If the user does not have a previously established paperless payment file  30 , the payment terminal  80  will display the plan providing unit  11  of the generation center  10  for the user to establish a payment plan  31 . Then the generating unit  12  will generate the paperless payment file  30  based on the payment plan  31 . Then it utilizes the paperless payment file  30  to make the payment. The payment center  23  will respectively transmit the identifier  4111  of the user, the identifier  4111  of the restaurant, and the required payment limit of the user to the value constant management unit  42 . The value constant management unit  42  will then transfer the value constant of the amount equal to the payment limit from the identifier  4111  of user to the identifier  4111  of the payee. It is worth mentioning that the tax center  60  can determine if tax is required for the current transaction according to the tax rules. The tax center  60  sends a paperless payment file of tax to the payment center  20 , so as to ask the payment center  20  for paying the tax. After the payment center  20  has received the paperless payment file  30  of duty, it will pay the tax according to the paperless payment file  30  of duty. Specifically speaking, the content acquiring unit  21  acquires the content of the payment plan  31  of the paperless payment file  30  of duty. The content acquiring unit  21  acquires that the payer is the restaurant, the taxable identifier  4111 , and the taxation amount. The content acquiring unit  21  will send the payment plan  31  of the acquired paperless payment file  30  of duty to the verification unit  22 . After the verification unit  22  passes the verification, it will be sent to the payment unit  23 . The payment unit  23  will execute the payment according to the content of the payment plan  31  of the paperless payment file  30  after tax. 
     It is worth mentioning that after the verification unit  22  has obtained the fingerprint and identifier  4111  of the user, the verification unit  22  will acquire the identifier  4111  of the restaurant. Then the verification unit  22  will have access to the paperless payment file management module of the paperless payment file  30  through the content acquiring unit  21 , so as to check if the discount paperless payment file  30  provided for the user exists. If there is a discount paperless payment file  30 , it will be preferentially processed. The content acquiring unit  11  acquires the content of the payment plans  31  of the discount paperless payment files  30 . The payment plan  31  of the discount paperless payment file  30  records the details of the discount. For example, the content of the payment plan  31  of the discount paperless payment file  30  may refer to a 20% discount of the payment of the user. Then the 20% discount of the payment of the user will be transmitted to the verification unit  22 . After the verification unit  22  passes the verification, the payment unit  23  will execute the discount paperless payment file  30  to deduct 20% of the payment limit for the user. After the payment unit  23  finishes the execution of the discount paperless payment file  30 , the payment terminal  80  will display a discounted payment limit to inform the user the discount result. The user has to operate the identity identifying device  221  again to confirm the payment for the discounted payment limit. 
       FIGS. 4-5  are payment scenes of the paperless payment system according to another preferred embodiment of the present invention. The user is shopping in a store. At least a payment terminal  80  is provided in the store. The merchandise sold in the store has at least a merchandise information provider  83  provided therewith. The merchandise information provider  83  records information of the merchandise, such as the name, place of origin, producer, required value constant limit, and etc. The merchandise information provider  83  is attached on the merchandise so as to provide corresponding information of the merchandise. Preferably, the merchandise information provider  83  can be embodied as a Radio Frequency Identification (RFID) tag. The user utilizes an identifying medium  84 . The identifying medium  84  can store information. The information can be utilized for identity recognition. The identifying medium comprises embedded chips, wearable devices, and smart devices. The embedded chips can be embedded into human bodies. The wearable devices include smartwatches, smart headbands, smart bracelets, smart accessories, smart cloths, smart shoes, and etc. The smart devices include smartphones, tablets, computers, and etc. Preferably, the identifying medium  84  is a wearable device. The identifying medium  45  is communicated and connected with the verification unit  20 . The verification unit  22  of the verification unit  20  verifies the identity of the user by acquiring the information on the identifying medium  84 . It is worth mentioning that the identifying medium  84  may also identify a person&#39;s health facts, such as body temperature, pulse, body odor, blood type, blood pressure, blood sugar, and etc. It also combines these health facts with the stored data for identity identification. 
     According to the present preferred embodiment, the user utilizes a smart bracelet as the identifying medium  84 . The smart bracelet is communicated and connected with the verification unit  20 . The smart bracelet provides information to assist the verification unit  20  to identify the identity of the user. When the merchandise is moved from the shelf by the user, the merchandise information provider  83  attached on the merchandise will send a message of leaving the shelf to the payment terminal  80 . When the payment terminal  80  receives the message of leaving the shelf of the merchandise, it will acquire the positional information of the merchandise information provider  83  in the store. The payment terminal  80  confirms the positional information of the user through the smart bracelet. If the merchandise and the positional information of the user are at the same position, the payment terminal  80  will confirm that the user has purchased the merchandise. The payment terminal  80  establishes the shopping list based on the information of the merchandise and the information of the user. Before the user left the store, the payment terminal  80  provides the user the value constant limit required for the payment. When left the store, the payment will be made. If the user walks out of the store, the payment terminal  80  will send the shopping list to the payment center  20 . The payment terminal also provides the information of the user acquired through the smart bracelet when obtaining the position of the user. The verification unit  22  of the payment center  20  checks if the paperless payment file  30  sent by the user exist from the paperless payment file management module  414  of the merchant according to the information of the user. If there is, it will make a payment according to the paperless payment file  30  of the user and send a notice to the user after the payment has been made. 
     The paperless payment file may be utilized for online shopping. The user visits an online store for shopping. The user establishes and provides the paperless payment file  30  for online shopping. The user provides the payment plan  31  through the plan providing unit  11 . The payer is configured as the identifier  4111  of the user. The payee is configured as the identifier  4111  of the shopkeeper. The user establishes and configures the value constant limit for the payment. The user may further list the quantity and type of the merchandise to buy in the payment plan  31 . It is configured in the payment method that the payment will be made after two authorizations and receiving of the merchandise. The two time authorization payment refers to that after the first authorization, the value constant management unit  42  will hold a value constant limit equal to the payment limit in the identifier  4111  of the user, such that the shopkeeper can be informed and certain that the user has the ability to pay and the value constant limit for the payment has been locked. The user authorizes the paperless payment file  30  for online shopping generated according to the corresponded payment plan  31  for online shopping through the authorization unit  13 . The generation center  12  will generate the paperless payment file  30  for online shopping according to the corresponded payment plan  31  for online shopping. The paperless payment file  30  for the online shopping will be sent to the identifier  4111  of the shopkeeper. The shopkeeper of the online store may utilize the authorization unit  13  to check the payment plan  31  of the paperless payment file  30  of the online shopping and learn that the value constant of the user for the online shopping has been locked and held for the payment and the condition of payment including pay on delivery. The shopkeeper establishes and provides a paperless payment file  30  for paying the expense of the express delivery service. The shopkeeper establishes the payment plan  31  for express delivery through the plan providing unit  11 . The payer is the identifier  4111  of the shopkeeper. The payee is the express delivery service provider. The shopkeeper establishes and configures the value constant limit for paying to the express delivery service. It is configured in the payment method that the payment will be made after two authorizations and the user has received the merchandise. After the shopkeeper has authorized, the generating unit  12  will generate a paperless payment file  30  for the express delivery according to the payment plan  31  for the express delivery. Then the paperless payment file  30  for the express delivery service will be sent to the express delivery service provider. After the express delivery service provider collects the parcel provided by the shopkeeper, she/he will express deliver the parcel to the user based on the address provided by the shopkeeper. The user confirms after receiving the express delivery. The authorization of the payment can be made on the payment terminal  80  provided by the express delivery service provider. It is after the verification unit  22  of the payment center  20  has received the confirmed authorization from the user. The verification unit  22  respectively verifies the paperless payment file  30  for online shopping and the paperless payment file  30  for express delivery. After the paperless payment file  30  for online shopping and the paperless payment file  30  for express delivery has passed the verification, the payment unit  23  will pay according to the payment plan  31  of the paperless payment file  30  for online shopping and the payment plan  31  of the paperless payment file  30  for the express delivery service respectively. The locked value constant limit in the identifier  4111  of the user will be unlocked and paid to the identifier  4111  of the shopkeeper. The locked value constant limit in the identifier  4111  of the shopkeeper will be unlocked and paid to the identifier  4111  of the express delivery service provider. 
       FIG. 7  is a flow diagram of a method of paperless payment of the paperless payment system according to the present invention. The paperless payment system of the present invention comprises the following steps: 
     Step  3001 : establishing at least a payment plan  31  of a paperless payment file  30 . 
     The payment plan  31  allows a payment source to be established. The payment source comprises the value unit and credit limit. If the payment source of the payment plan  31  is configured as the value unit, it will utlize the value unit to make payments. If the payment source of the payment plan  31  is configured as credit limit, the payment unit  23  will utilize the credit limit of the user to make payments. It is worth mentioning that the payment source may be configured as the value unit and the credit limit. When the amount of one of the payment source is insufficient to make the payment, it may utilize another payment source to pay the shortfall. For instance, the payment source of the payment plan  31  is configured as the value unit and the credit limit and the credit limit is configured as the preferential payment source. When the paperless payment file  30  corresponded to the payment plan  31  is utilized to make a payment, the payment unit  23  will preferentially utilize the credit limit of the identifier  4111  of the user to make the payment. If the credit limit of the identifier  4111  of the user is insufficient to cover the payment, the payment unit  23  will utilize the credit limit of the identifier  4111  of the user to make the payment. The payment unit  23  will then utilize the value unit of the user to pay the difference between the payment limit and the credit limit. It is worth mentioning that the payment source of the payment plan  31  may further be configured as an object, or specifically, the right of use and/or ownership of the object, through the plan providing unit  11 . When the payment source of the payment plan  31  is configured as the right of use and/or ownership of an object, the payment unit  23  modifies the right of use and/or ownership of the object of the payer and it of the payee respectively through the general information management module  411  of the user management unit  41 . If a payment environment is configured in the payment plan  31 , the payer also has to provide a proof of the payment environment, such as a photo or video of the payment environment. 
     Step  3002 : establishing at least a verification plan of a paperless payment file  30 . 
     The plan providing unit  11  allows at least a verification plan  32  to be established. Specifically speaking, the verification plan providing module  112  of the plan providing unit  11  provides at least a verification plan  32 . The verification unit  22  verifies identities with the verification plan  32 . Preferably, the verification unit  22  verifies the identity of the user of the paperless payment file  30  according to the verification plan  32 . It is worth mentioning that the verification plan  32  can be designated for corresponding payment plan  31 . For example, when there are two payment plans  31  configured in the paperless payment file  30  and when it can configure two verification plans  32  through the verification plan providing module  112 , one of the verification plans  32  can be assigned to correspond to one of the payment plans  31  and the other verification plan  32  can be assigned to correspond to the other payment plan  31 . When the verification unit  22  verifies one of the verification plans  32  and if one of the verification plans  32  passes the verification, the verification unit  22  will transmit the payment plan  31  corresponded to the verification plan  32  to the payment unit  23 . The payment unit  23  executes the payment plan  31  corresponded to one of the verification plan  32 . 
     Step  3003 : authorizing the payment plan  31  and/or the verification plan  32 . 
     The authorization unit  13  can authorize the payment plan  31  and/or the verification plan  32 . An authorizing person may utilize the authorization unit  13  to review and verify the payment plan  31  and/or the verification plan  32 . The authorizing person may utilize the authorization unit  13  to edit the payment plan  31  and/or the verification plan  32 . If the payment plan  31  and/or the verification plan  32  is verified, the payment plan  31  and/or the verification plan  32  will be authorized. The payment plan  31  and/or the verification plan  32  will be sent to the generating unit  12 . 
     Step  3004 : generating the paperless payment file  30 . 
     The generating unit  12  will generate the paperless payment file  30  according to the payment plan  31  and/or the verification plan  32 . The paperless payment file  30  may be stored in the identifying medium  84 , such that the content acquiring unit  21  of the payment center  20  may acquire and obtain the paperless payment file  30  from the identifying medium  84 . The paperless payment file  30  may also be stored in the user management unit  41 , such that the content acquiring unit  21  of the payment center  20  may acquire and obtain the paperless payment file  30  from the paperless payment file management module  414  of the user management unit  41 . 
     Step  3005 : acquiring the payment plan  31  and/or the verification plan  32  of the paperless payment file  30 . 
     The content acquiring unit  21  of the payment center  20  will acquire the payment plan  31  of the paperless payment files  30 . The acquired payment plan  31  will be sent to the verification unit  22 . If the paperless payment file  30  further provides a verification plan  32 , the content acquiring unit  21  of the payment center  20  will acquire the verification plan  32  and send the verification plan  32  to the verification unit  22 . 
     Step  3006 : verifying the payment plan  31  and/or the verification plan  32  of the paperless payment file  30 . 
     The verification unit  22  analyzes the payment plan  31  of the paperless payment file  30 , so as to acquire current payment information through the content acquiring unit  21  according to the payment plan  31  of the paperless payment file  30 . For instance, the payment plan  31  of the paperless payment file  30  may require the user to provide information regarding the payment location and payment purpose and the verification unit  22  may acquire the positional information of the payment terminal  80  through the content acquiring unit  21  so as to determine the payment location. The verification unit  22  acquires the content of the payment of the payment terminal through the content acquiring unit  21 . The verification unit  22  will compare the payment plan  31  of the paperless payment file  30  to the payment location and payment content in the current payment information. If the payment location and payment content in the current payment information conform to the payment plan of the paperless payment file  30 , it will pass the verification. 
     If the paperless payment file  30  comprises a plurality of the payment plans  31 , the verification unit  22  will match the payment plans  31  with the acquiring payment information. If the payment information conforms to one of the payment plans  31 , the verification unit  22  will select the payment plan  31 . The payment unit  23  will make the payment according to the designated payment plan  31 . 
     The paperless payment file  30  comprises the verification plan  32  and the user may provide the verification information through the payment terminal  80 . The verification unit  22  will compare the verification plan  22  of the paperless payment file  30  and the verification information acquired from the payment terminal  80 . If the verification information conforms to the verification plan  22  of the paperless payment file  30 , then it will pass the verification. Then the verification unit  22  will verify the acquired payment information with the payment plan  31  of the paperless payment files  30 . If the acquired payment information matches with the payment plan  31  of the paperless payment file  30 , payment unit  23  will make a payment according to the payment plan  31  of the paperless payment file  30 . 
     If the paperless payment file  30  includes a plurality of the payment plans  31  and a plurality of the verification plans  32 , and the verification plans  32  and the payment plans  31  correspond to each other in a one-on-one manner. The verification unit  22  respectively matches the verification plans  32  with the verification information. If the verification information matches one of the verification plans  32 , the verification unit  22  will select and utilize the payment plan  31  corresponded to the verification plan  32  to verify the payment information. If the payment information conforms to the corresponding payment plan  31 , the payment unit  23  will make a payment according to the corresponding payment plan  31 . 
     Step  3007 : making the payment according to the verified payment plan  31  of the paperless payment file  30 . 
     The payment unit  23  will make payments from the payment source provided in the payment plan  31  of the paperless payment file  30 . If the payment source is configured as the value constant. The value constant management unit  42  will refer to the identifiers  4111  of the payer and the payee and the payment limit acquired from the payment center  23  and then allocate the value constant of the amount equal to the payment limit from the identifier  4111  of the payer to the identifier  4111  of the payee, so as to complete the payment. If the payment source is configured as the credit limit. The payment center  23  will respectively transmit the identifier  4111  of the payer, the identifier  4111  of the payee, and the payment limit to the credit unit  43 . The credit unit  43  will deduct the amount of the value constant limit corresponding to the payment limit from the corresponding credit limit of the identifier  4111  of the payer according to the payment limit and the identifier  4111  of the payer. When the payment center  23  detects that the credit unit  43  has finished the deduction from the identifier  4111  of the payer, it will send an identifier  4111  adjustment message to the value constant management unit  42 , so as to adjust the value constant limit of the payee. The identifier  4111  adjustment message includes the identifier  4111  of the payee. The value constant management unit  42  adds value constant limit that is equal to the payment limit into the value constant limit of the identifier  4111  of the payee according to the identifier  4111  and the payment limit of the payee. 
     If the payment source is configured as the credit limit and the value constant, when the credit limit is insufficient, the value constant can be utilized to make payments. Alternatively, if the value constant is insufficient, the credit limit may also be utilized to make a payment. Preferably, the credit limit will be utilized in priority for making payments. For instance, the payment center  23  will transmit the identifier  4111  of the payer, the identifier  4111  of the payee, and the payment limit to the credit unit  43 . The credit unit  43  adjusts the credit limit of the identifier  4111  of the payer according to the identifier  4111  of the payer, the payment limit, and the identifier  4111  of the payee. If the credit limit of the identifier  4111  of the payer is insufficient to cover the payment limit, the credit unit  43  will send the difference between the payment limit and the credit limit of the identifier  4111  of the payer to the payment unit  23 . The payment unit  23  sensd the identifier  4111  of the payee, the identifier  4111  of the payer, and the difference between the payment limit and the credit limit of the identifier  4111  of the payer to the value constant management unit  42 . The value constant management unit  42  will decrease the amount of the difference between the payment limit and the credit limit of the identifier  4111  of the payer from the value constant limit corresponding to the identifier  4111  of the payer. After the amount of the difference between the payment limit and the credit limit of the identifier  4111  of the payer was deducted from the value constant limit of the identifier  4111  of the payer correspondingly, the payment unit  23  will send a identifier  4111  adjustment message to the value constant management unit  42 , so as to adjust the value constant limit of the payee correspondingly. The identifier  4111  adjustment message includes the identifier  4111  of the payee. The value constant management unit  42  adds value constant limit that is equal to the payment limit into the value constant limit of the identifier  4111  of the payee according to the identifier  4111  and the payment limit of the payee. 
     It is worth mentioning that the payment source may be goods configured as the right of use and/or ownership of an object. When the payment source of the payment plan  31  of the paperless payment file  30  is configured as the right of use and/or ownership of an object, the payment unit  23  adjusts the right of use and/or ownership of the object of the payer and it of the payee respectively through the general information management module  411  of the user management unit  41 . 
     It is worth mentioning that, referring to the payment scene illustrated in  FIGS. 4-5 , the present invention also allows a paperless payment file to be generated in a shopping process. 
     First, it determines if there is paperless payment file  30  being utilized in the current position of the user. 
     The current location information and identity of the user can be provided through the identifying medium  84  carried by the user. The identity and current location information of the user will be sent to the verification unit  22  through the content acquiring unit  21 . That is to say, the content acquiring unit  21  can acquire the identity and current location information of the user from the identifying medium and send them to the verification unit  22 . It is worth mentioning that the current location information of the user will be converted into the address information of the store. The verification unit  22  accesses the paperless payment file management module  414  according to the identity of the user. Further, the identity of the user is the identifier  4111  of the user. Namely, the verification unit  22  searches on the paperless payment file management module  414  with the identifier  4111  of the user and the current location information of the user, so as to verify if there is a paperless payment file  30  utilized by the user at the location. It is worth mentioning that the current location information of the user will be converted into the address information of the store. Namely, the verification unit  22  searches on the paperless payment file management module  414  with the identifier  4111  of the user and the current location information of the user, so as to verify if there is a paperless payment file  30  utilized by the user at the location. 
     Further, the verification unit  22  searches the identity of the corresponding seller according to the positional information of the user. Further, the identity of the seller is the identifier  4111  thereof. The verification unit  22  searches the paperless payment file  30  with the user identity of the user as the payer and the payment location as the current location information of the user on the paperless payment file management module  414 . If the paperless payment file  30  with the identity of the user configured as the payer and the payment location being the same to the current location of the user exists, then the paperless payment file  30  will be utilized. If the paperless payment file  30  with the identity of the user configured as the payer and the payment location being the same to the current location of the user does not exist, the verification unit  22  will search the paperless payment file  30  with the identities of the payer as the user and the payee as the seller. If the paperless payment file management module  414  does have a paperless payment file  30  with the user identity of the seller as the payee and the user identity of the user as the payer, the paperless payment file  30  with the user identity of the seller as the payee and the user identity of the user as the payer will be utilized to make the payment. If the paperless payment file management module  414  does not have a paperless payment file  30  with the user identity of the seller as the payee and the user identity of the user as the payer, then it will execute step  4002 . 
     Then, editing the payment plan  31 . 
     The content acquiring unit  21  acquires the identifiers  4111  of the user and the seller from the verification unit  22  and transmits the identifiers  4111  of the user and the seller to the plan providing unit  11 . The plan providing unit  11  edits the payment plan  31  based on the identifier  4111  of the user and the identifier  4111  of the seller. Specifically speaking, the plan providing unit  11  establishes the payment plan  31  based on the identifier  4111  of the user. In the payment plan  31 , the payer is configured as the identifier  4111  of the user and the payee is configured as the identifier  4111  of the seller. The identifying medium  84  carried by the user acquires corresponding information of the merchandise through merchandise information provider  83 . The merchandise information provider  83  can provide the positional information of the merchandise. Further, the payment terminal  80  may confirm the positional information of the merchandise and the identity and positional information of the user by calling and referring external devices. The external devices may be, for example, a camera. It is worth mentioning that the payment terminal  80  can acquire the identifier of the user and the positional information of the user in the store through the identifying medium  84 . The identifying medium  84  acquires corresponding information of the merchandise through merchandise information provider  83 . Further, the identifying medium  84  transmits the information of the merchandise, the identity of the user, and the current positional information to the verification unit through the content acquiring unit. After the verification by the verification unit  22 , the current positional information will be acquired by the identifier  4111  of the seller and the user&#39;s identity will be identified by the identifier  4111  of the user. The information of the merchandise, the identifier  4111  of the user, and the identifier  4111  of the seller will be sent to the plan providing unit  11  through the content acquiring unit  21 . The plan providing unit  11  adds the information of the merchandise to the corresponding payment plan  31  based on the information of the merchandise, the identifier  4111  of the user and the identifier  4111  of the seller. The information of the merchandise can be the payment item of the payment plan  31 . The identifying terminal  80  detects the relation between the positions of the merchandise and the user. Specifically speaking, the identifying terminal  80  provides a relative position of the merchandise to the merchandise information provider  83  and the positional information of the identifying medium  84  carried by the user. The identifying medium  84  carried by the user can utilize the identifying terminal  80  to acquire a relative position of the merchandise to the merchandise information provider  83  and the positional information of the identifying medium  84  carried by the user. If the distance between the position of corresponded the merchandise information provider  83  of the merchandise and the position of the identifying medium  84  carried by the user is less than or equal to a predetermined value, the payment terminal  80  will regard the position of the merchandise and the position of the user as the same position. 
     If the user brings the merchandise to the same preset confirmation area, the identifying terminal  80  will further confirm the positional relations between the merchandise and the user. The identifying terminal  80  confirm the merchandise at the same position to the user as the merchandise to buy by the user. The identifying terminal transmits the identifier  4111  of the user, the information of the merchandise, and the identifier  4111  of the seller to the verification unit  22 . After the verification of the verification unit  22 , the content acquiring unit  21  will send the identifier  4111  of the user, the information of the merchandise, and the identifier  4111  of the seller to the plan providing unit  11 . The plan providing unit  11  further checks the identifier  4111  of the user, the information of the merchandise, and the identifier  4111  of the seller. If the information of the merchandise provided by the content acquiring unit  21  does not include the information of the merchandise configured in the payment item, the information of the merchandise configured in the payment item will be deleted. If the information of the merchandise provided by the content acquiring unit  21  includes information of the merchandise that is not in the payment item, then the information of the merchandise will be added into the payment item. 
     Lastly, the paperless payment file is generated. 
     The plan providing unit  11  will transmit the payment plan  31  to the generating unit  12  after verification. The generating unit  12  generates the paperless payment file  30  according to the payment plan  31 . Then the paperless payment file  30  will be sent to the paperless payment file management module  314 . Further, the preset confirmation area is configured at the door of the store. 
     Further, the payment terminal  80  acquires the position of the merchandise through the merchandise information provider  83  and acquires the position of the user through the identifying medium  84 . If the user brings the merchandise for purchase to a preset confirmation area, the payment terminal  80  will confirm that the user has purchased the merchandise he brought. The payment terminal  80  establishes the shopping list based on the information of the merchandise and the information of the user. Before the user left the store, the payment terminal  80  provides the user the value constant limit required for the payment. When left the store, the payment will be made. If the user walks out of the store, the payment terminal  80  will send the shopping list to the payment center  20 . The payment terminal also provides the information of the user acquired through the smart bracelet when obtaining the position of the user. The verification unit  22  of the payment center  20  checks if the paperless payment file  30  sent by the user exist from the paperless payment file management module  414  of the merchant according to the information of the user. If there is, it will make a payment according to the paperless payment file  30  of the user and send a notice to the user after the payment has been made. 
     The terminology “center” and “unit” mentioned and referred in the present specification may comprise software, hardware, or combination of them based on the context provided in the embodiment of the present invention. For instance, the software can be a machine code, firmware, embedded code, application, and etc. In addition, the hardware, for example, can be a circuit, processor, computer, integrated circuit, core of a integrated circuit, micro electro mechanical system (MEMS), passive device, the combination of two or more of the above, and etc. 
     The above contents are exemplar based on specific embodiments of the present invention. Those devices, structures, and other details that have not been exhaustively described shall be considered adopting and implementing general device(s) and general method(s) in the art. 
     Besides, the above embodiments of the present invention are only for illustrating and explaining the technology of the present invention, which are examples of the technology of the present invention and shall not limit the technology and claimed scope of the present invention. Those modifications or improvements that apply equivalent technology, equivalent device, and etc. to the technology disclosed in the specification and appended claims of the present invention shall be considered within the disclosed scope of the specification and appended claims of the present invention. 
     One skilled in the art will understand that the embodiment of the present invention as shown in the drawings and described above is exemplary only and not intended to be limiting. 
     It will thus be seen that the objects of the present invention have been fully and effectively accomplished. The embodiments have been shown and described for the purposes of illustrating the functional and structural principles of the present invention and is subject to change without departure from such principles. Therefore, this invention includes all modifications encompassed within the spirit and scope of the following claims.