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The Electronic Currencies Electronic payment systems are designed to ensure payment transactions on the Internet. With these systems a person can pay for domain or site hosting, utilities, mobile communications, cable and satellite television, advertising services, purchasing an e-commerce, various paid services provided by commercial Web-sites, etc. Depending on the method of calculation of the electronic payment systems, in the internet distinguish: the credit (when using bank credit card) and debit cards that work with electronic checks and electronic (digital) money. Electronic checks - is an analogue of paper checks, which the payer that has money in the bank can send electronically to the recipient. Depending on the size of the payment this or the other way of payment is used. For small and urgent, so-called micropayments in Internet (for example, to pay for purchases of small value) use electronic or digital money. Digital money - the electronic equivalent of cash. Electronic currencies in different payment systems are named - differently. For example Liberty Reserve, Global Digital Pay, C-Gold, Pecunix, PayPal, Hoopay, Perfect Money, Bitcoin and so on. They are acquired (purchased) by users and put into a special device where they are stored. These devices include: 1) smartcards (bank debit cards with microprocessor); 2) hardware - software systems (servers of payment systems and the user's computer). To make payments in Internet using a smartcard a person needs to connect it to a special reading device on its' computer. Smartcards are used, for example, by the system Mondex (issued by MasterCard). The second type of devices that work with electronic money is also widely used for micro-payments. These systems provide mutual payments between the payer and the recipient, provided when they are connected to the same payment system like Liberty Reserve or MoneyBookers, for example. To become a member of one payment system in the Internet, you need to register and open an account -- electronic wallet. Electronic wallet is an electronic device that stores in its memory the amount of money (digital money). To make payments you must: first purchase the digital money (electronic currency) and move (introduce) them into your purse (fill it), and only then can pay for various orders. Putting money in purses are the methods that are provided specific payment system. Electronic money from the virtual account, you can always exchange to real money, to withdraw it from electronic payment system. So that having account in different payment systems gives you the liberty of buying thing in Internet and making money transfers. Existing electronic payment systems typically provide users with Web-based management accounts (wallets), but some systems require to download and install a special application on the user's computer (eg, WebMoney Transfer). Right now the popularity of using the payment systems is growing every day. And many people are having the question which payment system to use - WebMoney, Liberty Reserve or may be MoneyBookers? The variety of the possibilities is confusing and we need the electronic currency exchange service to solve this problem. Lots of contracts are never completed due to the decision of each part to reserve the priority of its' favorite payment system and not agreeing to open an account in another one. For the realization of payments, exchanging electronic currencies and making transactions in the Internet, users can use a number of sites that are easily found in searching engines. Those services are changing Liberty Reserve to WebMoney or MasterCard to Hoopay taking percentage for their service. Sometimes it is easier to pay for this service then opening a new account in a new electronic payment system.
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