Electronic money (1)

What is the paper money? What what they were? When popping electronic money? What are the reasons for the emergence of electronic money? What are the uses of electronic money?

Considered e-money, one of the main innovations, the product of steady technological progress, which the world has witnessed in recent years, with the spread and breadth of the Internet and its uses in various parts of the earth, what are those electronic money, what essence, forms, normal?

 Electronic money, in the simplicity of severe, are the kind of money stored, or maintained on electronic means, or bank letter, gives its customers store those coins, has in their own accounts, to be used in the purchase of goods and services, through the Internet, from geographical areas spaced. Bank-mail is a bank default exists only on the Internet, and has no branches material customers can visit, relationship to customers their accounts and their banks, electronic, limited to the Internet to open those accounts, deposits and withdrawals, and use that money in the procurement process, the Association over the Internet.

 European Central Bank, the description of electronic money as (stock letter for monetary value, on the way technology, commonly used for payments to contractors is of the issued, without the need for a bank account when you make the deal, and used as a portable prepayments). Many relaxes to this definition of electronic money, being the value of the cash and enough, that this kind of money, is a monetary units dollars or euros, for example. Based on this specific definition, must be excluded cards phone call of this type of fuel, arguing that the stored value on the card phone call is a modular contact telephone rather than monetary value able to buy goods and services, and this also, all the other cards, Kptaqat discount and food stamps, and fuel cards, and so on, graduated from this side, as well as all that can be stored electronically on the cards, they are all, is not money electronic, because the value recorded it is not a monetary value, it is the value of in-kind given to the holder the right to buy a telephone, or petroleum products, or meals, or anything else, in accordance with the value stored on the card.

 

But there is another team, believes that any money stored electronically, whether a bank letter online, or whether that money stored on the phone recharge cards, or food stamps or petroleum, and so on, are all considered by this team of electronic money, why? This view is also some merit, the holders of this view argue that all the values ​​of different types and forms, which can be stored on digital cards or similar electronic money is, how? Because this team is money and a way to get the value of what, and no matter how different that value, it remains the foundation and not the money itself, then the value that comes out of money is the original, and therefore the money legal "paper money" regular or banking or plastic ones stored cards plastic , when converted to electronic money, whether a bank or a letter in the form of coupons to be redeemed in any other commodity of any kind are considered electronic money in this context.

 

Perhaps the study of the properties of electronic money, enables us to find the most accurate definition of what constitutes electronic money or digital, what are its characteristics? Considered e-money monetary value stored electronically, ie not money to concrete, but the money regular when converted into cash electronic, they give up their physical form concrete to turn into a number, Valencod electronic or digital is a number that expresses the value, unlike money or legal paper , this money is a digital data is encrypted and has been placed on electronic means such as computer memory server loaded upon electronic data banks or any other form of images, whether electronic chips of some kind or the like. Electronic money is a two-dimensional, as it is transferred from the consumer to the merchant without the need for a third party between them as the source of this money, for example. Valencod valid e-Discharge and a means to pay for goods and services without requiring the seller to make sure that the fact that the money or the adequacy of the bank account of the buyer, as is the case for other means of payment Aleltkronah. Electronic money is not homogeneous, each source has the issuing of such electronic money independently or different, we think they are different in terms of value, depending on the number Oalkhaddmat goods that can be replaced, or can be purchased by the person holding those coins denominated.

 

Featuring electronic money or digital easily carry it to the point of infinity, it is sufficient holder of this money that is kept in mind passwords, numbers or passwords to accounts, the banks electronic enters, from which the account from anywhere in the world, and in the case load that money on a pirated or mechanized, Vhmlha also much easier than other types of money, they are light weight and small size to a large degree. However, it is not without risk, the beginning of risks and human errors, or, technological, which can affect those coins and completion operations fraud, practiced by sometimes gangs international organization to steal the assets of people, from those coins and sometimes thieves alone, walking around on the Internet to hunt Fraúshm . This is in addition to malfunctions that may affect the technology causing many problems for users. Featuring electronic money privacy reverse Alamoaa other money that is issued by the central banks of different around the world for use by everyone, both in the same country version or outside as well, but the electronic money is issued by companies or financial institutions or special credit for the benefit of a particular person and in his own account , and for this it is called this name money own money.

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