Because of prompt development of commerce in the Internet there was a sharp necessity for convenient methods of account for the goods and services for a real-time (on-line). The majority of traditional methods of account could not meet these requests any more. The most simple and convenient implementer of such bargains has been decided to make by means of so-called digital (electronic) money.
Ecash - the means (cash) presented and paid in electronic form, and, work with which guarantees anonymity. So creation on the Internet of variety of "Payment systems" was necessary. Unit (so-called currency) each of systems has certain "weight" (rate), also as any international currency.

Payment systems have difference from banks that, manufacture under money resources deponed in bank or the precious metals placed in storehouse (reserve) Own electronic legal tenders which are addressing choses in possession NOW. Bank money can how be exchanged for any electronic unit of payment systems, and any electronic currency. And also it is possible to send to itself to account in bank, or, to cash in a cash dispense (service is granted not by all payment systems).

By the end of 90th years of the XX-th century electronic commerce in a Runet has captured practically all market segments: from payment of utilities before acquisition The real estate that has led to rapid development of electronic payment systems. The greatest distribution was received by credit payment systems, Allowing to carry out transfer of money resources with use of bank plastic cards. However, from the end of 1997 in a segment of the electronic Payments the serious changes caused by occurrence at once of several large companies, started to render service on realisation were scheduled Electronic payments.

It is possible to consider as the Reference mark of development of payment systems of Russia the beginning of 1998 marked by occurrence PayCash.
After a year there was the most known And the payments system extended at present WebMoney.
In the middle of 2002 there was one more sign event: the company PayCash had been entered into the agreement with the largest search engine of a Runet Yandex About project start Yandex. Money - a universal payment system.
By the end of 2002 the group of the Russian and Ukrainian economists and programmers had been created system RuPay .

Electronic payment systems Existing at present as access to the electronic account can be divided into 2 big groups:
1. requiring installations on the computer of the user of the additional software;
2. payment systems having the web interface;

Advantages of electronic payment systems:

* availability - any user has possibility to open own electronic account;
* mobility - irrespective of a place of the finding the user can carry out any financial operations with the account;
* safety - the communication of information is conducted with use SSL of the protocol with a code key 128-bit, or other cryptographic algorithms;
* simplicity of use - for opening and use of the electronic account is not required special knowledge;
* efficiency - the transfer of funds from the account to account occurs in a few minutes (and even seconds)

What problems can arise with ecash?

Actually, such problems only two, and both of them depend exclusively on ourselves;.

the First - at you is not present the personal computer, or it at you is, but you are afraid of it and keep more just for decoration.
the Second - in your submission computer purses and exotic everyone there in the form of digital money not for you as that, as in what kind lays in Your wallet, you arranges much more. Here, as a rule, on a background for a full due there is such brake factor, as necessity to pay For maps with which help the purse replenishes: for cash, like as, will be cheaper. Additional expenditures much necessity stops, And it is absolutely vain!

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