Cashless payment

Введение

Money has become an integral part of human life.  Calculations can take both cash and non-cash form.  Internet users are choosing one or another electronic payment system.

 Cashless payment significantly speed up the payment process, simplify it, but is it always safe to use electronic payment systems?

 The purpose of this work is to consider the existing system of electronic payments and digital money, as well as the safety of their use.

Основная часть

Electronic payment systems appeared in Russia relatively recently.  All of them allow you to work with different currencies.  Electronic cash technology allows you to pay for goods and services in the virtual economy, transferring information from one computer to another.  Electronic cash, like real cash, is anonymous and can be used multiple times, and digital banknote numbers are unique.  They can be transferred from one person to another, bypassing the bank, but at the same time retaining within network payment systems.  When paying for goods or services, digital money is transferred to the seller, who either transfers it to a participating bank in order to be credited to his account or pays them with his partners.  Currently, various network payment systems are distributed on the Internet.

 • cryptocurrency;

 •"Yandex money";

 • PayPal;

 • Qiwi;

 • Webmoney.

 This is not all types of electronic media.  But with the listed options, users work most often.

The advantages of electronic money

• Low value of the emission of electronic money. No need to print the notes and especially to mint coins.

• No need to physically transfer the money. All the mathematical operation produces the computational algorithms of the payment instrument.

• Secure storage of your money at a higher and more reliable than if it was paper money.

• The time the payment is always fixed payment systems in the database, so you can keep a record and roll back in some situations transfer.

• For e-money and banks do not need special storage, they simply can be stored on the electronic wallet or e-Bank account.

• No loss of quality over time. Unlike cash, electronic currency will never lose their external qualities over time.

• Security of electronic payments. Electronic payment systems protect your funds from fraud, unauthorized interference in the transaction, protect against fraud, thanks to its specialized cryptographic means.

• Electronic money is very easy to pay online, plus it is very easy to forward to another email account.

However, electronic money has some drawbacks:

• The need to have the Internet for the transaction.  Due to the fact that all payment systems are connected to servers, for the correct transaction, you must have Internet access.

 • The need to possess a sufficient level of knowledge in payment systems.  The user should not only be proficient in the Internet, but also have a basic knowledge of managing payment wallets.