Digital Money and its Place in E-Commerce

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1、Digitaloneyanditsla einE-Commer eetin
nan une,2000Abstra t
nse ure redit ardnumbertransa tionsonthe
nternetand omputerfraudtogetherwith ompletela kofpriva yhasfa ilitatedgenerationofdigi-talpayments hemes.Theseareformsofdigital ash,whi hallowe- ommer einvirtualenvironments.Theaimis

2、tos rat hthehistoryofdigitalmoneyandpresentitste hnologyinasimpleway.1EYSin etheexisten eofmankinddierent ommunitieshasbeenspe ializedindier-entareas.DuringtheStoneAgegatheringofpeoplesmadeupvillagesandpeopleindierentvillagesweregoodatdierentaspe tsoflife.Someweregoodhunters,oth

3、ersdevelopedharvesting,andstillothervillagesweregoodatpottery.Ex hang-inggoodstheyimprovedtheirliving onditions,beingabletogetthings,whi htheywereunabletomanufa tureorgetotherwise.Forexampleprimitivepeoplewereabletogetsomegrainforex essoftheshthey aught.Goodex hangeisdiÆ ultsin emat h

4、ingapairofgoodswithwhi hea hsideishappyisdiÆ ult.Thusa ommonmediumofex hangedeveloped.Thiswasakindof ommodity,whi heverybodyfoundvaluableoruseful.Feathersofararebird,nuggets,seashells,teethofsomeseamammalsareallexamplesofmediumsofex hangeusedbeforemoney.TherearestillsomeAfri anvillages

5、thatuseseashellsforthispurpose.Historianssaythatmoney( oins)appearedforthersttimeinanAnatolian ivilizationnamedydiaB.C.630.oneynotonlyallowedearlypeopleaneasierex hange,theyalsoprovidedanergranularityinex hangeand reatedwhatwe alltoday ommer e.Commer evitalizedthee onomyofthean ien

6、t ivilizationsandmadepossiblebookkeeping.Themostpowerfulbodyavailablemonopolizedmoneymaking.eoplestartedtoworkforotherpeoplegettingmoneyfortheworka omplished.2CRED
TCARDSAnotherrevolutioninthee onomyhappenedinthetwentieth entury.Advan esinte hnologyallowedbankinginstitutionsto reate'

7、plasti money',the redit ards.Credit ardsand redit ardnumbersareextensivelyemployedbyalloftheexistingbankstoday.Bank ustomersareabletopur haseanygoodwithout arryingany ash.Usinga redit ard,seller onta tsthebankandsendsbothamountofmoneyandthe redit ardnumber.
ftransa tionisapprovedand