跨境電子商務外匯支付服務協(xié)議模版

XX支付”跨境電子商務外匯支付服務協(xié)議 “CGP Payment” Cross-Border E-commerce Exchange Payment Service Agreement 甲方 地址 聯(lián)系人 聯(lián)系電話: Party A: Address: Contact: Tel.: 乙 方：北京 XX 科技服務有限公司 地 址： X 聯(lián)系人： 聯(lián)系電話： Party B: China Golden Pay Co., Ltd. Address: x Contact: Tel.: 鑒于： 乙方作為具有外匯管理局頒發(fā)的跨境電子商務外匯支付業(yè)務試點資格的企 業(yè)，致力于為電子商務用戶提供便捷、專業(yè)的外匯支付服務。甲方愿接受乙方為 甲方在甲方網(wǎng)站（該網(wǎng)址或域名為： ，以下統(tǒng)稱為甲方網(wǎng)站）上進行 商品和服務（以下合稱“商品”）交易提供“xx支付”外匯支付服務，乙方代理 甲方用戶向銀行進行購匯，并按照甲方指令和結算周期將外幣資金支付給甲方合 作方。 Seeing that: Party B as a pilot enterprise specialized in cross-border e-commerce payment in foreign exchange authorized by State Administration of Foreign Exchange is committed to providing convenient professional foreign exchange payment service to e-commerce users. Party A is willing to accept Party B as its partner in the aspect of “CGP Payment” foreign exchange payment service supply for commodities and services transactions (hereinafter collectively referred to as commodities) on Party As website (domain name: ), so that Party B will purchase foreign exchange from the bank on behalf of Party A's user, and pay the foreign exchange fund to Party A's partner according to Party A's instructions and settlement period. 本著平等、互利、友好協(xié)商的原則，甲、乙雙方就上述支付服務事宜達成一 致，簽訂本協(xié)議，以資共同遵守。 Party A and Party B have signed this Agreement of “CGP Payment” Cross-Border E-commerce Exchange Payment Service (hereinafter referred to as this Agreement for short) for common abide-by, based on the principle of equality, mutual benefit and friendly consultation. 1. 定義 1. Definitions 如無特別說明，下列用語在本協(xié)議中的含義為： The meaning of the following terms in this Agreement is defined below, unless otherwise specified. 1.1甲方商戶號，是指乙方為甲方提供“xx支付”支付服務時，乙方向甲 方提供的服務編號，并用以查詢或計量商戶的預付、應收或應付款。 1.1 Party A's merchant No. refers to the No. of “CGP Payment” service provided by Party B for Party A, for reference in query or measurement of merchants'advance payment, accounts receivable and accounts payable. 1.2 “xx 支付”跨境支付平臺，是指乙方開發(fā)的、用于提供本協(xié)議項下服 務的計算機軟件信息系統(tǒng)。 1.2 “CGP Payment”, a cross-border payment platform, refers to the computer software information system developed by Party B to provide the services mentioned in this Agreement. 1.3商戶，是指使用“xx支付”支付服務的商品賣家。 1.3 Merchant refers to the seller using “CGP Payment” service. 1.4 “xx 支付”支付服務，是指乙方在收付款人之間作為中介機構提供部 分或全部貨幣資金轉(zhuǎn)移的服務。 1.4 “CGP Payment” service refers to service of partial or complete money transfer provided by Party B as the intermediary between payer and payee. 1.5 “xx支付”外匯支付服務，是“xx支付”支付服務的服務內(nèi)容之一， 通過“xx支付”外匯支付服務，乙方代理甲方用戶向銀行進行購匯，并按照甲 方指令和結算周期將外幣資金支付給甲方合作方。 1.5 “CGP Payment foreign exchange payment service” is part of “CGP Payment” services, and with its help Party B can purchase foreign exchange from the bank on behalf of Party A's user, and pay the foreign exchange fund to Party A's partner according to Party A's instructions and settlement cycle. 2. 安全條款 2. Clauses about security 2.1賬戶安全條款 2.1 Account security 2.1.1 甲方應采取有效措施妥善保管好甲方商戶號及其密碼，不得將其向任 何人泄露，且不得將甲方商戶號及其密碼轉(zhuǎn)交給其他任何人使用； 2.1.1 Party A shall take effective measures to keep Party A 's merchant No. and password properly; he shall neither disclose nor transfer Party A 's merchant No. and password to any other person for use; 2.1.2 乙方將利用甲方商戶號及其密碼進行的一切操作行為視作甲方的行 為，甲方需對甲方商戶號下的一切操作行為負責。甲方如發(fā)現(xiàn)有第三人冒用或盜 用甲方商戶號及其密碼，或其他任何未經(jīng)合法授權的情形，應立即通知乙方，并 要求乙方暫停相關服務。同時，甲方理解并同意，乙方在接受甲方的上述有效通 知后對甲方的請求采取行動需要合理期限，在此之前，乙方對已執(zhí)行的指令及所 導致的損失不承擔任何責任。 2.1.2 All of Party B 's operations based on Party A 's merchant No. and password are regarded as Party A 's behavior, and thus Party A will be responsible for all such operations. In case of the third people's use or misappropriation of Party A's merchant No. and password or any other unauthorized circumstances if found, Party A should immediately inform Party B and request Party B to suspend the relevant service. At the same time, Party A shall understand and agree it will really take reasonable period of time for Party B to execute Party A 's requests for action after the acceptance of Party A 's effective notification mentioned above, and before this Party B shall not bear any responsibility to the executed instructions and corresponding losses. 2.2系統(tǒng)安全條款 雙方要保證自身系統(tǒng)的安全，對因過錯給另一方造成的直接損失，需承擔賠 償責任。雙方承諾自身計算機系統(tǒng)中不存在“后門”、“程序炸彈”、“數(shù)據(jù)盜竊” 等威脅另一方系統(tǒng)安全。 2.2 System security Both parties should ensure their own system security, and any of them should assume the liability of compensation for the other party 's direct loss due to the fault. Both parties commit that their computer systems do not embrace “back door ”, “program bomb”, “data theft” or other threats of another party's system security. 3. 服務內(nèi)容 乙方為甲方提供“XX支付”外匯支付服務、設立網(wǎng)上交易查詢功能、提供 交易信息管理和信息查詢服務。 3. Service content Party A shall provide “CGP Payment” foreign exchange payment service, establish online transaction query function, and provide trade information management and information query service for Party B. 4. 雙方權利和義務 4 Rights and obligations of both parties 4.1甲方權利和義務 4.1 Party A's rights and obligations 4.1.1甲方須遵守乙方關于“xx支付”外匯支付服務的管理和運行規(guī)定。 4.1.1 Party A shall comply with the provisions about management and operation of “CGP Payment” foreign exchange payment service defined by Party B. 4.1.2甲方應如實向乙方提供甲方有關經(jīng)營的資質(zhì)資料，包括基本業(yè)務情況 說明、公司營業(yè)執(zhí)照、組織機構代碼證、稅務登記證、銀行開戶許可證、ICP資 質(zhì)、法定代表人或負責人身份證復印件、企業(yè)郵箱(非個人Email信箱)等。若 甲方為特殊行業(yè)商戶，資質(zhì)材料除以上資料外，還需提供證明其具備所經(jīng)營業(yè)務 合法資質(zhì)的證書。甲方獨立承擔因上述資料不準確、不真實、不完整而引發(fā)的一 切責任，并賠償乙方因為上述資料不準確、不真實、不完整而導致的一切損失。 4.1.2 Party A shall truthfully provide his operation-related qualification and data to Party B, including the business overview, company 's business license, organization code certificate, tax registration certificate, bank account permit ，ICP qualification, legal representative's or responsible person's ID card, enterprise mailbox (non-personal Email) and others. If Party A is a merchant of special industry, apart from the above business qualification and materials, the certificate of legal business qualification should be also provided. Party A shall independently bear all the responsibility caused by the above information if inaccurate, untrue or incomplete and completely make corresponding compensation for the losses to Party B. 4.1.3甲方通過“xx支付”外匯支付服務，在互聯(lián)網(wǎng)上開展 方 面的經(jīng)營活動，甲方確保其所有的經(jīng)營行為沒有違反任何有關國家的法律法規(guī)及 規(guī)范性文件。甲方應就自己經(jīng)營的業(yè)務在甲方網(wǎng)站公布客戶服務電話，不得將乙 方的客戶服務電話作為甲方的而誤導用戶。 4.1.3 Party A will con duct aspects of bus in ess on the In ter net via "CGP Payment” foreign exchange payment services, and he shall ensure that all the operating behaviors are in no violation of the provisions of national laws, regulations and normative documents. Party A shall publicize the customer service telephone about his business on his website, and he shall never claim Party B 's as his own to mislead users. 4.1.4 甲方在網(wǎng)上發(fā)布的所有信息及從事的經(jīng)營活動必須嚴格遵守有關國 家(包括其注冊地國家和地區(qū)、中國和其經(jīng)營活動涉及到相關國家和地區(qū))法律 法規(guī)、政府及管理部門的有關規(guī)定，并獨立承擔與此相應的責任，并賠償乙方因 為甲方違反本條規(guī)定而導致的一切損失。 4.1.4 When releasing information or carrying out business activities, Party A shall strictly abide by the provisions of relevant laws and regulations of the state (including the country and region of registration, China and the countries and regions related to the business activities), government and administrative departments, independently take corresponding responsibilities and compensate all the losses to Party B due to Party A's violation of the above provisions. 4.1.5 甲方確保促使甲方合作方遵守甲乙雙方簽訂的本協(xié)議有關條款，如由 于甲方合作方違反本協(xié)議有關條款給乙方造成損失，甲方應賠償乙方的一切損失 4.1.5 Party A shall ensure that his partner will abide by this Agreement. In case that Party A's partner's violation of the provisions of this Agreement causes losses to Party B, Party A shall make compensation for all damages to Party B. 4.1.6 甲方承擔對甲方合作方經(jīng)營監(jiān)督、審核和管理職責，確保其合作方嚴 格遵守相關法律、法規(guī)、規(guī)章、政策及法令和不侵犯他人的合法權益。甲方傳輸 到乙方的交易報文，除了交易報文必須含有的要素外，還應該包含甲方合作方號、 合作方名稱等，便于乙方對甲方合作方日常監(jiān)控管理。 4.1.6 Party A shall audit, supervise and control his partner's operation, and ensure his partner can strictly abide by relevant laws, regulations, rules, policies and regulations, without infringement upon others' legitimate rights and interests. Besides the necessary elements, the transaction message delivered by Party A to Party B should also include Party A's partner's No. and name, for Party B's daily monitoring and management of Party A's partner. 4.1.7甲方應于每月5 日前通過郵件方式向乙方提供上一個月新增或變更之 甲方合作方，包括名稱、統(tǒng)一編號、營業(yè)項目、銀行賬號等，作為本協(xié)議附件供 乙方備案，未如期提供資料之甲方客戶，乙方不予提供服務。 4.1.7 Party A shall provide the changed or newly added information last month about his partner before 5th day of each month to Party B by email, including his partner 's name, uniform No., business items and bank account numbers, which should be shown in annexes attached to this Agreement for record in Party B. Party A's customers whose information is not provided to Party B in timely manner won 't enjoy Party B's service. 4.1.8 甲方向用戶銷售商品或提供服務時，應要求用戶進行確認，并長期妥 善保存好與用戶達成交易的憑證(若涉及實體貨物的，應妥善保存收貨單據(jù))。 當出現(xiàn)用戶拒付或否認交易等糾紛時，甲方應主動調(diào)查處理和解決，能及時準確 地提供相關交易信息和售貨單據(jù)。否則，甲方應自行承擔未履行上述義務而造成 的一切損失，并賠償乙方因為甲方違反本條規(guī)定而導致的一切損失。 4.1.8 When selling goods or providing services to users, Party A should ask for the users ' confirmation and keep the transaction credentials properly for long term, (in case of entity goods transaction, the reception certificate shall be properly kept). In case of the user 's refusal and / or denying trade or other disputes, Party A should actively conduct investigation and settlement, so as to provide related transaction information and sales documents timely and accurately. Otherwise, Party A shall bear the responsibilities for the losses and make compensation for all losses to Party B due to his failure to perform the obligations. 4.1.9 甲方須按照乙方所要求的指令格式準確、真實、完整提交交易信息， 信息包括但不限于：外幣交易金額、商品名、客戶銀行卡號、客戶身份證號等。 因甲方所提供的信息出現(xiàn)過錯而導致使用者投訴、糾紛和資金損失，由甲方負責 處理并承擔相關責任。 4.1.9 Party A should submit the transaction information in accordance with Party B's requirement in accurate, true and complete manner, including but not limited to foreign currency transaction amount, commodity name, customer 's bank account No., customer's ID number, etc. Party A shall handle the complaints, disputes and losses of funds caused by fault information provided by him and bear relevant responsibility. 4.1.10 因甲方原因造成的一切用戶投訴和糾紛，甲方應及時解決并承擔責 任。甲方須解決因甲方網(wǎng)站信息虛假、陳舊、錯誤和不詳實造成的投訴、退貨和 糾紛，并獨立承擔因此給用戶造成的損失，并賠償乙方因為甲方違反本條規(guī)定而 導致的一切損失。 4.1.10 Party A shall timely solve all of the customer complaints and disputes as the results of his faults and take corresponding responsibility, cope with the complaints, returns and disputes caused by the false, out-of-date, over-general information on his website and independently bear the losses to users, and make compensation for all losses to Party B caused by his breach of the provisions of this article. 4.1.11甲方應在甲方網(wǎng)站頁面上如實描述乙方提供的“xx支付”外匯支付 服務，甲方不得采用技術手段或其它非法手段截獲持卡人的卡信息，代替持卡人 提交訂單。甲方必須在甲方網(wǎng)站引導持卡人到乙方支付平臺親自提交訂單。 4.1.11 Party A shall truthfully describe “CGP Payment” foreign exchange payment services provided to Party B on his website, and he shall never obtain the cardholder's card information in technical means or other illegal means and then submit orders on behalf of the cardholder, but he shall describe the procedures on website as guidance for the cardholder to personally submit orders on Party B's platform. 4.1.12 甲方業(yè)務正式上線之前，乙方有權進行全面的評估考核，如果甲方 業(yè)務未能通過乙方的考核而不能正式上線，則乙方有權終止本協(xié)議而不承擔任何 違約責任。正式上線后甲方終止服務或業(yè)務發(fā)生變更時，應提前一個月以書面方 式通知乙方，否則須承擔由此給乙方造成的一切損失。 4.1.12 Before the official launch of Party A 's business, Party B has the right to conduct comprehensive evaluation, and if Party A 's business fails to pass the above evaluation and thus cannot officially launch the business, Party B has the right to terminate this Agreement without the obligation to assume any liability for breach of contract. After the official launch, in case of Party A's service termination or business change, he should notify Party B in written form one month in advance, otherwise, he should bear all the losses to Party B. 4.1.13 甲方應妥善保管甲方的商戶號及密碼，并承擔因保管及使用不當而 造成的一切損失和責任，并賠償乙方因此而遭受的一切損失。未經(jīng)乙方書面授權， 甲方不得在多個域名或不同的網(wǎng)站上使用同一商戶號的支付接口。 4.1.13 Party A shall properly keep Party A's merchant No. and password, and bear all losses and liabilities due to the improper safekeeping and use, and make compensation for all losses to Party B. Without Party B 's written authorization, Party A shall never use the same merchant No. payment interface in multiple domains or different web sites. 4.1.14 甲方未經(jīng)乙方書面認可，不得把乙方提供的接口技術、安全協(xié)議等 轉(zhuǎn)交其它網(wǎng)站或第三方使用，否則，乙方可單方面解除本合同，并有權要求甲方 賠償因此給乙方造成的一切經(jīng)濟損失。 4.1.14 Without Party B's written approval, Party A shall never transfer technical interface, security protocol or other data provided by Party B any other third party, otherwise, Party B may terminate this contract unilaterally and have the right to request Party A to indemnify Party B for all economic losses. 4.1.15甲方不得對乙方“xx支付”支付平臺采取反向工程手段進行破解， 不得對乙方“xx支付”軟件系統(tǒng)程序(包括但不限于源程序、目標程序、軟件 文檔、運行在本地電腦內(nèi)存中的數(shù)據(jù)、客戶端至服務器端的數(shù)據(jù)、服務器數(shù)據(jù)等) 進行復制、修改、編譯、整合和篡改，不得修改或增加乙方提供的“xx支付” 軟件系統(tǒng)的原有功能。 4.1.15 Party A shall neither crack Party B 's payment platform of “CGP Payment” with reverse engineering means, copy, modify, compile, integrate or tamper “CGP Payment” software system program (including but not limited to the source program, the target program, the software documentation, the data in local computer memory, the data from client to server, server data, etc.), nor modify or expand original functions of “CGP Payment” software system. 4.1.16 甲方應遵守相關網(wǎng)上銀行業(yè)務和信用卡相關交易相關的政策法規(guī)， 不得進行虛假交易、信用卡套現(xiàn)、洗錢、轉(zhuǎn)移非法所得等非法行為，否則，甲方 將獨立承擔由此帶來的全部法律責任，且乙方可將甲方行為的相關證據(jù)信息提交 給有權機關處理。 4.1.16 Party A shall comply with the policies and regulations related to e-banking and credit card transactions, but not involve into false trading, credit card cash, money laundering, transfer of illegal proceeds or other illegal acts, otherwise, Party A shall independently bear all legal responsibilities arising therefrom, and Party B can submit the evidence about Party A's behaviors to relevant authority. 4.1.17 甲方應保證本協(xié)議下甲方聯(lián)系信息的真實、有效，變更上述信息前， 甲方應提前五個工作日以書面形式通知乙方。 4.1.17 Party A shall ensure that his contact information under this Agreement is real and effective, and he shall issue written notice to Party B five working days in advance, in case of the necessity to change the above information. 4.1.18 甲方應對自身向乙方和用戶所提供信息的真實性、合法性、有效性 獨立擔責。 4.1.18 Party A shall independently take full responsibility for authenticity, legitimacy and effectiveness of the information provided to Party B and the users. 4.1.19 甲方保證具有履行本協(xié)議的合法資質(zhì)及權利，且不得侵犯其他任何 第三人的合法權益，否則，甲方應對自己的行為獨立擔責。 4.1.19 Party A guarantees the legal qualifications and rights to perform this Agreement, without the possibility to infringe upon the legitimate rights and interests of any other third person, otherwise, Party A shall take independent responsibility. 4.1.20如甲方網(wǎng)站上存在向最終用戶銷售商品或提供服務的商家（下稱“下 級商戶”），甲方應制定下級商戶業(yè)務管理辦法，承擔對下級商戶經(jīng)營范圍的監(jiān)督、 審核和管理職責，確保其下級商戶嚴格遵守相關法律、法規(guī)、規(guī)章、政策及法令 和不侵犯他人的合法權益。 4.1.20 In case the merchants selling goods or providing services to end users are shown on Party A's website (hereinafter referred to as the “subordinate merchants”), Party A shall formulate measures for the management of subordinate merchants' business, complete supervision, examination and management of subordinate merchants, ensure their strict abide-by of relevant laws, regulations, rules, policies and regulations, without the possibility to infringe upon others ' legitimate rights and interests. 4.1.21甲方應主動履行中國反洗錢法及其相關法律法規(guī)規(guī)定義務，也應采取 措施配合乙方履行上述反洗錢法定義務，如甲方違反該約定給乙方造成損失的， 甲方應予以賠償。 4.1.21Party A should take the initiative to fulfill the obligations stipulated in China anti-money laundering law and related laws and regulations, take measures to cooperate with Party B's performance of the above-mentioned legal obligations in anti-money laundering. Party A shall compensate to Party B for the losses caused by his breach of agreement. 4.2乙方權利和義務 4.2 Party B's rights and obligations 4.2.1乙方負責“xx支付”支付平臺的建設、運行和管理，并有權制訂和修 改相應的管理規(guī)則和功能。 4.2.1 Party B shall be responsible for construction, operation and management of “CGP Payment” platform, and have the right to formulate and modify corresponding rules and functions of management. 4.2.2甲方知悉，乙方僅是“xx支付”支付服務提供方，因此，因乙方提供 本協(xié)議下服務出現(xiàn)過錯而直接導致的用戶投訴和糾紛，由乙方負責解決并承擔責 任。除此以外的用戶投訴或糾紛，包括但不限于因甲方網(wǎng)站上所售商品或服務而 發(fā)生的糾紛，由甲方負責處理并承擔責任。 4.2.2 Party A has indeed known that Party B is the only provider of “CGP Payment” service; therefore, Party B shall settle the customer complaints and disputes arising from his faulty service mentioned in this Agreement and bear corresponding responsibility. Other user complaints or disputes except those mentioned above, including but not limited to the disputes related to the goods or services from Party A's website, will be settled by Party A, coupled with his fulfillment of due responsibility. 4.2.3 乙方有權向甲方索取甲方商品交易的訂單、數(shù)額、交易對方身份、物 流配送等交易信息，甲方應妥善保存好上述信息五年以上(含五年)。 4.2.3 Party B shall have the right to claim any required transaction information from Party A, including the order and amount of commodity trading, the identity of the other side and logistics trading information, and Party A shall properly keep the above information for more than five years (including). 4.2.4 甲方的業(yè)務功能、向乙方提供的聯(lián)絡方式、主體身份等信息和影響甲 方與用戶正常交易等方面發(fā)生任一變更的，甲方應及時更新和告知乙方，且不得 以單方變更為由拒絕向用戶提供服務或取消交易。 4.2.4 In case of the change of Party A 's business functions, contact information provided to Party B, subject identity of the factor influencing Party A's normal transactions with users, Party A shall update them and inform Party B in timely manner, and shall never refuse to provide services to the users or cancel the transaction due to the unilateral alteration. 4.2.5乙方設立的“xx支付”支付服務業(yè)務咨詢聯(lián)系電話見本協(xié)議第一頁中 的乙方聯(lián)系信息。乙方可解答甲方在使用乙方服務中遇到的各種疑問，并及時解 決雙方在數(shù)據(jù)對賬、資金扣劃和結算過程中的有關問題。 4.2.5 The line to access to “CGP Payment” services established by Party B is shown in “Party B's contact way” shown in the first page of this Agreement. Party B may answer any question raised by Party A in the use of Party B's services, and timely solve the problems related to the two parties' data reconciliation, funds buckle & transfer and settlement. 4.2.6乙方有權向甲方追索或拒絕支付甲方違反本協(xié)議的有關款項。 4.2.6 Party B shall have the right to recourse or reject to make the payment related to Party A's breach of this Agreement. 4.2.7乙方將利用自己的互聯(lián)網(wǎng)資源對雙方的合作業(yè)務進行一定的推廣，具 體的形式雙方另行協(xié)商。 4.2.7 Party B will promote their cooperation to some extent relying on his own Internet resources, in the manner agreed by the two parties. 4.2.8 如乙方憑自行掌握的信息判斷甲方實施的行為涉嫌違反法律法規(guī)和 規(guī)章或者將可能對乙方產(chǎn)生重大不利影響，乙方可單方面暫停、中止或終止向甲 方提供全部或部分服務。在提供本協(xié)議下服務過程中，乙方可對支付的數(shù)額和頻 次大小等方面作出限定，甲方應予遵守。 4.2.8 If Party B estimates that Party A's acts are suspected of being involved into violation of laws, regulations and rules or may draw significant adverse impact on Party B based on his own information, Party B can unilaterally suspend, pause or terminate all or part of the services provided to Party A. In the provision of services under this Agreement, Party B may define the amount, frequency and other aspects of the payment for Party A's strict comply with. 4.2.9乙方應保證本協(xié)議下乙方聯(lián)系信息的真實、有效，變更上述信息前， 乙方應提前五個工作日以書面形式通知甲方。 4.2.9 Party B shall ensure that his contact information under this Agreement is real and effective; in case of any change of the above information, Party B shall issue written notice to Party A five working days in advance. 4.2.10乙方有義務按照國家外匯管理局跨境電子商務外匯支付業(yè)務試點的 相關要求提供購匯和付匯服務。 4.2.10 Party B shall fulfill the obligations to provide services of purchase and payment of foreign exchange in accordance with the requirements related to pilot of foreign exchange payment of cross-border e-commerce business defined by State Administration of Foreign Exchange. 4.2.11乙方有權按照國家外匯管理局跨境電子商務外匯支付業(yè)務試點的相 關要求向甲方索取相關信息和數(shù)據(jù)。 4.2.11 Party B shall have the right to ask for relevant information and data from Party A, in accordance with the requirements related to pilot of foreign exchange payment of cross-border e-commerce business defined by State Administration of Foreign Exchange. 5. 計費、結算和退款條款 見本協(xié)議附件一《計費、結算和退款條款》的約定。 5. Billing, clearing and refund The provisions are shown in Annex 1 of this Agreement, “Clauses about Billing, Clearing and Refund”. 6. 知識產(chǎn)權 6. Intellectu