However, we must remember that when credit cards were first introduced to brick-and-mortar businesses, store owners didn’t like buying scanners and maintaining data links to the verification centers. No matter how much free content businesses give away to attract attention, they will always have an incentive to hold something back for paying customers. But with Web volume and market size growing exponentially, companies will realize a strong incentive to lower prices, desegregate goods, and sell them to a massive microcash audience that they can reach almost for free. The company also announced the appointment of an advisory board comprising top media, cloud computing, and fintech professionals. “Most of the new players are startups and they have to first create a pool of interested people. If the bigger platforms were in it, publishers would benefit as there would already be a large pool.
The multisig aspect of the payment channels allows Alice and Bob to protect themselves from each other. At any given moment, the difference between what was paid for and what was paid can be made arbitrarily small. This means that if either party is malicious or incompetent, the most the other could ever get cheated out of is 10 bits worth in the above example. This disincentivizes fraud, as it becomes less profitable to cheat than to simply be a legitimate business. Suppose Alice wants to open a channel with Bob to pay for fuel over the next month, and she doesn’t want to ever spend more than 100 bits on gas . To start the payment channel for gas she writes a transaction that would put 100 of her bits into a 2-of-2 multi-sig address with her key and Bob’s key.
Most of the 소액결제 정책 potential lies years down the road, awaiting technical advances in encryption , trusted systems, and bandwidth. As it now stands, almost all Web commerce is conducted with credit cards and are limited by the same minimums that apply to real world transactions. Micropayment pilot programs are hindered by cumbersome registration procedures and markets restricted to companies that have worked out prior contracts with microcash vendors. But technological fixes will undoubtedly emerge that allow vendors to protect their intellectual property from piracy and simple sharing. This will force consumers to contemplate what they find important enough to pay for and how they want to pay for it.
Since the use of cash has dropped drastically in the country since 2010, it is used for small transactions between people and small businesses that do not want to incur credit card reader’s costs. A key requirement for successful payment systems is universal acceptability, i.e. the support of payments between any pair of buyers and sellers. The problem is more complicated as payment mechanisms must also be scaleable — i.e., be able to support the entire Internet population — which implies many competing offerings. Perhaps, then, the most viable argument against micropayments is that users strongly favor simple, predictable pricing schemes—in other words, flat rates—and won’t accept pay-by-the-drink methods if they have any alternative. The subscription model has already been implemented by several online content companies like the Wall Street Journal Interactive and Salon.com.