CINXE.COM

<!DOCTYPE html><html lang="en-US"><head><title>Just a moment...</title><meta http-equiv="Content-Type" content="text/html; charset=UTF-8"><meta http-equiv="X-UA-Compatible" content="IE=Edge"><meta name="robots" content="noindex,nofollow"><meta name="viewport" content="width=device-width,initial-scale=1"><style>*{box-sizing:border-box;margin:0;padding:0}html{line-height:1.15;-webkit-text-size-adjust:100%;color:#313131;font-family:system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,Noto Sans,sans-serif,Apple Color Emoji,Segoe UI Emoji,Segoe UI Symbol,Noto Color Emoji}body{display:flex;flex-direction:column;height:100vh;min-height:100vh}.main-content{margin:8rem auto;max-width:60rem;padding-left:1.5rem}@media (width <= 720px){.main-content{margin-top:4rem}}.h2{font-size:1.5rem;font-weight:500;line-height:2.25rem}@media (width <= 720px){.h2{font-size:1.25rem;line-height:1.5rem}}#challenge-error-text{background-image:url(data:image/svg+xml;base64,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);background-repeat:no-repeat;background-size:contain;padding-left:34px}@media (prefers-color-scheme:dark){body{background-color:#222;color:#d9d9d9}}</style><meta http-equiv="refresh" content="120"></head><body class="no-js"><div class="main-wrapper" role="main"><div class="main-content"><noscript><div class="h2"><span id="challenge-error-text">Enable JavaScript and cookies to continue</span></div></noscript></div></div><script>(function(){window._cf_chl_opt={cvId: '3',cZone: "publications.waset.org",cType: 'non-interactive',cRay: '91366263c92cfcf2',cH: 'y3t1HeEHWS4ldCa1a.dO9.Rjn8VpoWTYx2D2xSGV9lU-1739801672-1.2.1.1-H1oG2h6ZifPHXz2R0eaPWVpZu83oDLZdW3Iwp.ybMxWiVGJVEUAzjjWQlWd4JMJZ',cUPMDTk: "\/abstracts\/search?q=accuracy%20of%20payment%20time&__cf_chl_tk=NPqDhfNJEExcT3CQ98.Hbcxk1Kw97pyPb10qUaqkNqI-1739801672-1.0.1.1-mDx5RSFE8W5Qmjfew5Tz1caSuGpeqA1oVZyQR8OwrtU",cFPWv: 'b',cITimeS: '1739801672',cTTimeMs: '1000',cMTimeMs: '120000',cTplC: 0,cTplV: 5,cTplB: 'cf',cK: "",fa: "\/abstracts\/search?q=accuracy%20of%20payment%20time&__cf_chl_f_tk=NPqDhfNJEExcT3CQ98.Hbcxk1Kw97pyPb10qUaqkNqI-1739801672-1.0.1.1-mDx5RSFE8W5Qmjfew5Tz1caSuGpeqA1oVZyQR8OwrtU",md: "ffhjhP16eW9nVvWNbLJpYtMHD5IHCque8J2z53.cJlY-1739801672-1.2.1.1-vTF1.cUpM9JWExv9k6PF6CmGoJNK1IXOaTVno42Wf1fdxkEQE6kexzN9GkziDF4ofTk8xszDwXfX2sRb3gJwI5eEBjxd9gy18tBNJFqiy4o5bhtnDt9y670pIiBBjCYoqZvosZFceU2mDT8uE8nSrWrQaIsRQctH94fADE30BBAS376J.NLMKh0NAyS7FFe3MjP3MVk0fI3yaEzk1Fidi.kW4QeGd52r7ZJVX0gtoNz5wYcHQu6MT6KHFLKrZ2Xqq180gO4I6xVHDijhk2fkCFuoN6KjL1Xe7uXKjB8wowQYFYxpfyhStZ2NNUCPaAvZfHGJkffsYlAdMA1dS10fqvQbUPEOMvul6up.EqMmhF8JXrvSdnvBHWiozOc05xkfg1o4i.3D_qnv0rPpx2Xa0rFSM8eKs_JvmzYwyLEhIBgza7JjRE73eDclcQ1UvQ50.ps0j.PFWg7NJbrvyjI_szjxQZj2Rayow5QeQBLJPd69u_ra1CstNxdBG_nNh1pNqeqZhIq2pVaXtrCB0pfH27vAgOXPFotiZlmdgZNGirbK4G0A1V6vhNex8366xLkxUj21byriUmhnrUgvd0v90mJayDqNeYWnKn9WHq0m5E7f.c1Jn_Abv_MLK73B_FGZy5mXKHruGb7PgCGdHYFU2PehiVKdiLjkJGg9VG3rAJGVugHpjbX_JkKYvHjati_vjKCBR04Rj1qwhyODHQ8I4570iNqwNzFyqKKcjBpzwT2OZ.vL.mXC9xr8R9PNhUs89Urz8gUZz4SyeSRfRfjGUVhUpGyD1BhcWPyUGdbMPb4wM6V2GrpIY41QMZ1FMnHtTn3W24.eKGnWIdF80Eyw0ge.P6HknokbAF2ARPy_sYjMwsNyi5EU.nheZGrrzc29Nh5KF4vAwErIm5uk9T1BNFs6DO7K8d5wu_7HZYxs8bV0_mGVF2YF6QMFaEtUVkqbOwKvYIv5KIF_cIivJk56aMsIhFRhlCQ.XKTYrQVp9n1eo1BCTDLKoI.qfR5WlTwL06x0xe7BOONfBxHBE5c95VbOhHKmWowx9N1uwEjRQDTX9TI55RAGnZfMHJGwr7HHX_PBmyOYTUtHNiO8Fo6NS57TIEj3WDOfcDiavZ_dsoXmCFjLOgn_nl8xoGgSni9joHyCv1GXniRsENSkqYe4wl03u3MNFmOWD_FEkIkfMdz2omTFM9PC5hgPJf2bkntn8bHDMpXipX0pkY_yb4j8RsKoNNaLm9ePA4I5U68Npj2ko26E1p90vCZqwI8x2BOiatFhmeTPpwntAfMOC5tksPZb.u_fvCHkKlkrQON2bR_JrKbCMbm2OXTJpUI92dQDg62LYK3tvFEr8743ZA7xkyddM3DxUi8l8jzST3lGVgJTWlJcBTzLRCxyd3W4yrtkQXG6JIMJn.6K8fBWui1pnBqM08hWWPKYcEVwDqNXXYaYopO3JX4t0W.flgarSjbLZ1iYOs.nYdJG.3hp2DXMilg4L_1Piiq2EffDhCyvOhzlDvYeuA4sTvMx6B4ila51qOSxh2NPF6vxDeFy33kla.wAp0CvWV_hRklXXXfnhJP3KVhIKMd1UEPxzbPaAWNq_m959.fAIHf039zzSb3_6j6Heu_BI1xMT7KtWdxLruMDyWy_fZECQMQSUf6LJ7idsw204g2_zVTVhs3YVuU0j9LPOAboH5kF7.QQWL3Z1WP1Dj9cVR5pNPBtOKRROf_XEVXhpvgdBSYi76QpnAeZbh9t1hs.ZKCPtvyOr82da80hYh4Geo.yXhu2RKeQjESHxCFPePgxvhY1ru2OLPf03vVYdpQzHm2kmMB6euYKymLDcUFU3IvULhq2uusJaj0hqKnTv9LwjhtzfU0YRiOV10aR03DzWb.Rg6Tj4caTRr1GTK2Jm2EIoEDx0bUBNl1A2v9K4nWSPSAd9MZyMFZcx1LKsXI5rcaxbI6KCAa3FzEy3fI3.yNG.1EnHqN0FrcgCRN.me.H3NCsT1K7.HTLzQ",mdrd: "HCfov_t95EQenOnv3Vx7p3GJDx474VY2_yANGxOetAU-1739801672-1.2.1.1-EYMdfITmhy7Vh.zN5JCOgCt5CjI12XI8xk.K1KwodfOI4lKKC0Hoks5E.p6KQkIsXtIRXOXTEjk8nDzalsliX_mBHdT7DXFA4vaVP5_LTxMky4D9acINEzc3og9irlvm.XsJHqBFQOg51S1JXnK06I_eTIQcm9RPKx4uMHoQMLJHNb6JHepLp4TVaZWds_L4zJYPzoDs9pD9Gf54TOJS3VK9n0ugTjt7Q52d7QqLLaCufpyt3Xn8mFwqqH67HXCcs14emRXHMmusgZHYNRB0ZBf1x8XcowMH1BJTd8M9VmuwJ2eYlIyQFMR_f.qHI9bW4nU0dJtJsIgkJVCBqi.HX8DvPDxOU1vn6scAjiLtMuIC8JvKyek1guNjftrv0NXSxJd7rOPtiYvsyw9gQ9TLWBG3hjY9QSGzF_EFQZJAilQV0r0BronUqJ0_ziNKcyvqNSr65XxV4lwdQQ0oTuXjZVzfWlXOTOU0d8h5LboA5I1y1e9g_Aafp20LG.Sx1AhcLG0jV5IwWGoNSWOzTdz3q1lZz0hEz.8RRz7auReyUPLVJabqNwiSrNFWVAUCdGMzVp2hFgr3CVyYP8jzdSsUbmHZoh3wfUK2m3cxQsWG7wYYwEINZlrBjQhqlmLRpX5L_m3oX..cfNYGX0VM6boUVGRhtjoy8NWmsIBgEIS3p4Dg8fQxX.KD8.SnlVPSq59fWOsRpquak5USdBrx.LzBXiM9CEEkSCM5FY5JEul5f35jlR8huBkI1GV3QcM2FGPWn94z8EfXarz9eqv5.kYBWcG6KP_AbVIJvzFizWJ.r4cEK3bNsxFmDCflOMXGhEgIN6G1xzzjX28dtMbQkeCuX0L47PKmoBaqSrtMBOLhZ9LPC9peduWDJhgmJfvL9Vvv2OsJWZepgouLxs0pS2qWbHY8pqMCC10EqTD_oBP4uL_0FwSov9kZDLvR.Zm0FB._FLISK3MXptTK22.ZWGnNbIxB6Im5EqL8xCZc1Q74nTi8j1GKccvMoH6avYT7QfeLqXcgU8rwCtHcAy6cVhXg3WFmBuiHXtH2xMXVbIajQZrUhUdOe94zVx1JMTWxrRRQ5.E1YzYBxEOnybLPGzbm_KTmPlSjqNqISeoeRzlnlEyXaioh4laO9GROm4QhvPRNA2v66MxpOMquFuWkLBqmTHSvz5lDrSS_FFYWslc4FVBdXCl1OejvkLEFx04JF8mC_zZDj.bEmXRQKApXLpu0JEo8zoXGSAUoSA_ZRMtUTg7Z_srwHHyf11GSkU43NoaHOa3ZvJ674rdsX.fM6FKq0qEpzCEw55HTEGpenf3ISe4vX1RD4.QaDkQwZLMw.hsPU77Gl1P6dCo368vPdPFym9TQXFgWifQUv_ucdRX6Sdub0uMTP6YnAS.D80WRO0tKPgG29OggoHn9znNFclMu23eeO6TmVmUKG4IQH9bjw.h45AJF0fngKN13UixzeYQifecD8rFG.TXYj9RPpb9G5JIjpsXf2pHbl4wvshpvj6iFZF3tbT61alDJwq24u4X1l772fYA7C4pakxnuSwCu9TQFomL5RXTaQPuHQ_evc3VmFIlZFSFXUuub1xaAf1lUtziTltPT9n8kBkvOuljfqSm47rFW.OyKuD8370ZzJTgqSWRwZjsRCcD3CCl1AsDQqngWR5GWzU3hGm1tbpvWpMDNr_0HwmvIq3k6_73Ie7dnRMuk7ZjPCDcd8w659s.ks5lDKUIe5Ac6kJa67Ll_HzvunvfEx1Rxp1FiQpJAufpW.emkK6jRuyCzn20i2YJ4DyzeLhBn.ZMGU29.wf2ewsvJ2uYXy7yhgXguUpgH9XKRg8PX8ETXlFq1TMZ1WG53E0aaU7YerMV1_jnrZVZXJhdt.cHlJf89ePFrpco3lNkGKGT9vthFTNgI462xWobYuRGgnxRgbkoR7uYNwfpLaXwt3Jy5mSbGMVoSuF.NEEHtAopQ9Oa1xpzKyRq72Jo.D32QJ9xYj_csMBjCKVzA_A"};var cpo = document.createElement('script');cpo.src = '/cdn-cgi/challenge-platform/h/b/orchestrate/chl_page/v1?ray=91366263c92cfcf2';window._cf_chl_opt.cOgUHash = location.hash === '' && location.href.indexOf('#') !== -1 ? '#' : location.hash;window._cf_chl_opt.cOgUQuery = location.search === '' && location.href.slice(0, location.href.length - window._cf_chl_opt.cOgUHash.length).indexOf('?') !== -1 ? '?' : location.search;if (window.history && window.history.replaceState) {var ogU = location.pathname + window._cf_chl_opt.cOgUQuery + window._cf_chl_opt.cOgUHash;history.replaceState(null, null, "\/abstracts\/search?q=accuracy%20of%20payment%20time&__cf_chl_rt_tk=NPqDhfNJEExcT3CQ98.Hbcxk1Kw97pyPb10qUaqkNqI-1739801672-1.0.1.1-mDx5RSFE8W5Qmjfew5Tz1caSuGpeqA1oVZyQR8OwrtU" + window._cf_chl_opt.cOgUHash);cpo.onload = function() {history.replaceState(null, null, ogU);}}document.getElementsByTagName('head')[0].appendChild(cpo);}());</script></body></html>