NET Sanitarians

Process of dynamical occurrence of fantastic number of electronic payment systems in the Internet lately makes think hard on economic hidden reason of such tendency. And indeed, it is necessary to consider what caused the occurrence of such number of new emitters of electronic currencies and the payment services in the Internet, and in particular in its Ru-segment. As well as on the services they came with to Internet users, who even more often trust them their personal ip-addresses and precious id number of this or that payment system, which they carefully kept on their flash-cards..

The same way as we are looking for any answer before, first of all, we shall look into the covered with dusty pages of the old woman- history, since development of the finance in our country, strangely enough, can tell us about this matter much, and, that is interesting in this case, even much more than a similar history in the western countries. First of all, let’s open our decrepit volume on page of 87-s year of the last century when the first banks in Russia – Vnesheconombank of the USSR, Promstroybank of the USSR, Zilsotsbank of the USSR and Sberbank of the USSR began to appear. At that time these structures became the successors of the Gosbank of the USSR. After turn to the market economy all the abovementioned financial institutions, and especially Sberbank had already strongly took their positions in the market, having spread the numerals of the branches all over the country. But as soon as the state established the market foundation under the whole financial sector, having strengthened economy with armature of liberal legislation in spheres of pricing and application of financial tools, it was suddenly found out, that the big bank infrastructure was not capable to provide all needs of the population, and own financial mechanisms were necessary for a number of components, such as banks or payment systems. For 17 years the financial mechanism in our country has increased more than on 1000 banks, each of them has own unique place in the certain economic system.

Such historical parallels between banks and today's EPS allow describing clearly the current situation of occurrence of a great number of participants on the electronic finance market. And though a big trio of emitters of electronic finance - Cyber Plat, WebMoney and E-port has won the paralyzing popularity and loyalty of the clients, players of a smaller scale continue feeling confident enough on a financial platform of a world wide web. Let’s try to analyze the reason of small-scale players of EPS market. We shall construct our analysis on separation of three EPS groups - specialized, Internet banks, and systems of so-called general orientation.

Specialized work

Into first group we shall place the EPSs which were initially created with the strictly defined purposes, and very frequently with its own audience and on the basis of some specified project.

So, for example, the social resource mail.ru was first to develop a huge-scale project with average daily attendance more than 5 million to make a reality of their own financial tool Dengi@Mail.ru. And this happened only in 2004. It is natural, that the project proved to be non-risk, in view of enormous number of services on mail.ru, demanding financial calculations. And if, looking into the future, the administration of the website makes a decision on transfer of all mailboxes to paid format of using, having entered even a symbolical payment for a mailbox, the system Dengi- Mail becomes a basic part in construction of B2C relations. And though this is only forecast for the vast future, the financial institute on the largest in Runet social resource has already been constructed even today. And we can call this a literal strategic step in business development.

It worth note separately the project of Yandex - Yandex Money, that began active as an EPS in 2002. Having more than 5000000 visitors every day, the company has created its universe Yandex where some financial satellites are necessary as the breath of life for some planets. So for example the commercial and informational platform “Yandex –market” or the marketing project ”Yandex-direct” can hardly be imagined outside of symbiosis with Yandex.Money system

Many search systems can be noted with the similar projects in Internet world trend, among which are Google and Rambler in Runet.

The other similar systems also thought on the similar patterns of specialization on service of business. So in 1998 financial sluice Assist for calculations on Internet largest trading platform Ozon.ru has been created. Having continued the business development in cooperation with the Alpha bank, the payment system still firmly goes in the mainstream of modern electronic finance today.

The separate piece of the big financial pie with an electronic stuffing are the services which in their work give a great attention to game industry of the Internet. So, for example, NTPS system gambled on the projects " Va-Bank Online Casino ", Internet-casino "Fortuna" and "Videocasino".

Also resource Moneta.ru was noted in this industry. One of its priority projects, besides cooperation with SkyExpress, WebDollar and РњP3.ru, is casino GoldenFishka.

And here it will be interesting to note, that in a view of diversification of the payment services, support of game business even by the big participants of EPS has already become a tendency. It is natural, because like in the real world, the super-profits of a virtual gaming, attracts not less.

Bankers of electronic blood

The next group of sanitarians of financial cyber-space is the resources, one part of which calls themselves as Internet banks, and another agrees to the habitual to our ears three letters EPS. Work of all these services is basically focused on B2B and P2P format. These systems are called upon to make the industry of mutual calculations between the companies and users in the Internet easier. And we should tell that they succeeded. In fact if you use real banks and operate with the sums more than 600000 roubles you can expect the enhanced attention on the part of Federal Safety System. But the considered electronic structures allow "without serious consequences" and anonymously to perform various exchange or payment operations, a number of zeros in which sometimes can exceed daily or monthly turnover of some bank offices.

In this case we can note such payment monsters, as Fethard and ePassporte. Both brands will make any experienced person to click with the mouse and cause a special feeling of respect of any web- master, the company, shop, social resource and business projects in the world Internet. It is difficult to imagine, but just 6 years ago the Internet did not have such reliable and organized mechanism of Internet calculations by means of which one can effectively realize the project
of a paid banner Internet or paid service on sale of a content in a world wide web. Fethard Finance and ePassporte have guessed at that time the direction of Internet progress and, moreover, have turned all
loyal participants of web-business into their partners, having created for them special accounts with the high-grade level of trust for realization of joint transactions. Who has won from the occurrence of such system? Everyone. And who has lost? The offline persons.

Today the number of similar Internet banks began to increase and such system as Limonex joint the number of already recognized ones. Although it kicked up the row by positioning itself as the Ukrainian technologists’ project assigned for assistance to the world electronic finance, but in general the initiatives of this company and its analogs was the welfare for this segment of the market, as it spurred on the confirmed participants of this market to develop and demonstrated the prospects of success achievement to new players.

Mainstream

But the main stream in movement of a rough stream of the electronic finance is laid by the big mechanism, the power-generating unit of which make tens, and worldwide hundreds of electronic payment systems that fixed their eyes on the major part of the whole Internet audience which at the everyday level first of all requires the simplification of algorithms of payment services includes the payment for phone, Internet, TV, communication, municipal services, payment of credits and purchases in the Internet, etc. It is very hard to list all the EPS that operate on the territory of Runet and the CIS segment of Internet. In view of this let’s turn to
one of the standard payment systems Rupay.

The new paragraph of the first page of system development history was made by company RUpay Financials Ltd., which in 2002 founded the resource that initially was developed for simplification of
calculations between citizens of Russia and Ukraine. The first letters of the state names determined the name part of the system brand. This resource during five years more and more attracted the users,
prepossessing by its liberal attitude towards the clients, by its unobtrusive service in the field of security and by the simplicity of the user interface. There is an opinion, that developers have felt that
thin bound which separates the convenience of EPS using for the ordinary not advanced users, from confusing, though high-safety service. It is important, that at P2P calculations it is not obligatory
to your partner to have his own account in the system. The absence of any commission fees at performance of internal transactions can not fail to please any person. And if the client has deserved the higher trust of system evaluation tool he can figure on credit services. As for the lovers of mobile technologies EPS offers the opportunity to carry out the transaction by means of mobile phone. And may be the ideal payment tool should be like this one: simply, convenient, reliable.

Such companies as Emoney, “Mobile purse”, Belarusian EasyPAy, UkrMoney, “Internet.Dengi”, “Ediniy Koshelyok”, e-port, rapida, PayPal, etc., as well as CyberPlat, which by the way was the first among Russian ESP go hand in hand with RuPay in construction of electronic finance institute in Internet.

It is necessary to separate the whole class of the payment systems created for P2P sphere and based on provision of bank notes with real gold or with other precious metals or jewels. Among them are as follows: e-Bullion, D-Carat, INT Gold, 1mdc, Pecunix, GoldMoney, etc.
Probably, it would be necessary to focus more on this EPS group, but we have already described one pioneer and the absolute leader in the similar systems on the pages of our edition www.e-gold.com. Any other projects are only the loans of the ingenious idea which had been
put forward by our far ancestors to provide bank notes by real gold.

In summary it is necessary to tell, that the payment systems forming the industry of the electronic finance, have already stretched the sails, in expectation of a fair wind towards the coasts where they are looked forward by the users of a world wide web and by business structure. There are no doubts that the ships with payment services onboard will sooner or later reach the coast. The task is to assist each of them in their development on the part of society, business and government within their unique segment. In fact all of them, irrespective of the scale of their activity, write a history of electronic finance development in their own sphere, creating at this the strong base for construction of effective economic system by our descendants.