The invention discloses a pledge-
payment-capacity on-network transaction
payment method and
system. The method includes the steps of pledge-
payment-capacity preparation, pledge-payment-capacity prompting, pledge-payment-capacity execution and conditional paid-money expiration redemption. The
system includes seller member end electronic-equipment, seller member communication equipment, a seller member end pledge-payment-capacity
system, a buyer member end electronic-equipment, buyer member communication equipment, a buyer member end pledge-payment-capacity system, a pledge-payment-capacity platform and a pledge-payment-capacity platform end pledge-payment-capacity system, which are connected through an internet and other
interconnection and intercommunication networks. According to the method and the system, a pledge payment function and a two-way multilateral guarantee function are given to pledge-payment-capacity electronic-coins, the defect of a one-way unilateral guarantee of
electronic cash is overcome, paths of stealing the
electronic cash and consumption paths of stolen
electronic properties are
cut off, encashment time of the stolen
electronic properties is prolonged, the legality problem of the electronic coins is solved while the on-network
transaction security problem and the on-network payment security problem are solved, and a dominant role of
electronic money (theelectronic cash) as legal tender under internet economy conditions is also maintained.