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Electronic Money Systems

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Je ne peu pas m'arrter de penser #5
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A little comic strip that explains micropayments. See also page 184 and page 185 for a history of micropayments. The new economy rational is explained in issue 6. But there is also a Case Against Micropayments. That's not stopping Javien, a company that promises open source micropayment tools real soon now. The W3C is working on a micropayment protocol.
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Review of Payment Systems
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Latest installment of an annual review of alternative payment systems. Reviews the hows and whys, and lists a number of different systems.
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WebFunds
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WebFunds is an Open Source project to create an extensible payments system, i.e. e-Money and e-Wallets. The concept of the 'value' of the money is embodied in a 'Ricardian Contract', using strong crypto to authenticate. The system has been used with real money, although only small amounts of money appear to be in circulation (approx $100,000 USD as of this writing). The project has been running for over five years, and is now in its third revision. Java-based.
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E-Gold
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E-Gold is a tradeable currency backed by gold and other precious metal deposits. One way to think of e-gold is as a mutual fund for gold. However, it is no ordinary mutual fund, and behaves a lot more like a currency: that is, you can very easily give very tiny (or large) amounts of e-gold to other people. There is no minimum balance requirement: you can maintain a balance of pennies. There is a service fee, but it is minimal. E-Gold was designed and is really meant to be used as a (convertible) currency backed by hard assets.

Pluses: dozens of market makers make it easy to convert to and from e-gold; you are not dependent on one corporation for conversion. Simple open-source programming API.
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EZCmoney
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EZCmoney is an electronic merchant payment system. Consumers can deposit money in an EZCmoney account, and then tell a merchant thier account number. Transaction approval happens by email. Customer-to-customer transactions are not currently supported. EZCmoney claims to provide a level of security that credit-card based shopping does not.
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Qchex
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Consumer sends a 'check' to someone. Web-based, interface resembles a paper check. Option to send an 'email' check, or an actual paper check.
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Achex
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Allows you to send a check to someone. Web-based.
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Ipin
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Web-based payment system.
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WebMoney
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No obvious way to redeem. No programming interfaces
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GoldMoney
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?
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