User talk:Dtsurjum

Üldinfo

Pealkiri: Elektrooniline raha, olevik ja tulevik.

Autors: Dmitri Tšurjumov, Mark Selezenev, Igor Budnitski, Leonid Grigorjevski, Jakov Kanyuchka.

Kursuse nimetus: IT sotsiaalsed, professionaalsed ja eetilised aspektid

Õppejõud: Kaido Kikkas

Esitamise tähtaeg: 12.05.2017

Sissejuhatus

Electronic payment system.

Unique opportunities that the internet provides have sharply changed our way of living. Fast search of any information on the internet, communications via the internet or meeting new people via the internet does not surprise anybody anymore. But one of the most marvellous achievements of the internet age/internet of things is that we can buy and sell goods and services via it. This is something that is accomplished by electronic payment systems and virtual money that comes with them. Virtual currency did not appear long ago but majority of the users of the internet do trust them. Virtual currency is easy to use not only for real persons but also legal entities like companies and corporations. This kind of payment method is accepted by different freelancers, companies, commercial entities and also governmental institutions. So what is so interesting and alluring about Electronic payment systems? 1) One of the main advantages of the electronic payment methods is its super fast speed. All of the process can take no longer than a minute if not few seconds. 2) Electronic payments are not burdened with the same inconveniences that come with regular payments: long lines, lunch breaks, rude service agents. 3) To use these kinds of payment methods, you technically need 1 thing: access to the internet. You can perform them via a phone, computer, notebook and many other electronic devices. These kinds of devices are used by the majority of the world population. 4) You can use them at any place at any given moment. 5) You can increase your virtual currency account or withdraw money from it by different means. Most often terminals are used for this along with bank account transfers. Considering how wide spread virtual currency is nowadays, some banks already keep virtual currency bank accounts from which you can withdraw or add balance via the standard banking systems. This currency is definitely more widely used in larger cities because there are more opportunities to use them there. Besides buying goods, virtual money can be used to pay for services, especially services that are provided by different social networks. These kinds of payments are often used by video game players, mobile phone owners to pay for the services or the internet. Electronic payment systems will undergo a full change in the near future because of increased competition that comes from new virtual currencies appearing. If anybody is planning to open an internet store then there is simply no way around this. You have to have an inbuilt electronic payment system that will suit your customer’s needs. Otherwise you will loose on possible orders and will have a loss in income/revenue.