Micropayment

Technical ways to control the internet. Part v: end of the internet?

Nowadays, shopping on the internet is still a rough thing – something that many people are defensive, as they are aware of the risks. The credit card can, so to speak "expired" will (which is called, someone uses the spied-up credit card number to buy in turn) what myriad can have unpleasant consequences. When certificates and trusted computing prevail, this martset will be loseless. With a personal certificate that ensures the secure connection (and which, if necessary, is linked to one or more computers to have exclusive access and the / are protected by a mantra, a smart card or biometric system), and certificates, on the other hand, verify the identity of the handler, the annoying process, which is currently associated with shopping on the internet, turns a smooth surfing and shopping experience.

Micropayment allows payments between two certificate holders. The user means a financial transaction by sending a message to the borse, which was signed with his private certificate and identified the payment receiver through its public certificate. Furthermore, the message contains the high payment, which should be tailored.

After both the certificates of the paying and the receiver have been verified and checked whether the account of the paying amount has enough credit, the specified sum is transferred to the account of the receiver and sent a confirmation over the transfer. Micropayment can only take place when logging in on the borse page and is usually initiated by a direct connection to the borsenserver as soon as the user is shopping.

Micropayment differs from the previous online payment services such as paypal and e-gold by the fact that transaction costs are sufficiently low, so that small payments can be tailored without high bonds; by micropayment websites operators could charge their visitors themselves a tens of thousands of a euro for the side view; credit card companies or existing online payment services have much too much overheads than that they could allow such tiny payments. Here you have to note that the high of micropayment payments is open up and that "micropayment" only states that smallest payments are possible, but not that greater payments are not handled routinely. The first coarse-flat successful micropayment transactions are likely to be driven by the technology as soon as this type of payment will become a mass market, which also expands to other payments, the pioneers of this idea are probably from the "gross" the financial services industry are acquired.

Final with the paranoia in terms of e-commerce…

If you cancel a contract with a handler prestigious by a certificate as a trustworthy, you do not have to enter no sensitive personal information. Just on "buy" click, also which credit card or the account you want to burden with the amount (both are linked to your own certificate), and the article you purchased is delivered to the address, which is also linked to the certificate. Entering the number will never take place. Even if the certificate has been stolen, a thief can order so only goods that are supplied to the address linked to the certificate.

Each user can set his own high-rise amount for the price per page, per bought article, per session, per day, week or month, which is defined as standard. I call this the "sleepy". Subscriptions to magazines are not long necessary – a click and, if it is less than 0.05 euros per item costs (the fixed maximum amount) and the other total costs are moving within the limits, the article will open, the own account is burdened and the amount is credited to the magazine. However, if you are subscription, this is reported by the certificate and you do not pay anything… And all this happens within a short moment without having to do anything. The magazine preserves the money for what you have read, so that you can put the entire content online, not just a teaser (short demolition) to prevent the reader to delay a subscription to the print edition. And if you like what you liked, you will come back and spend more money.

You wanted to ie your own magazine? Or you decided that your blog 0.001 euro per day is worth? No problem… Mark it with your certificate, put a link (pay to read) and hor ‘, as the millieuros fall into the virtual piggy bank.

Certified micropaymentborsen must, of course, have the regulations available "know your customer" (know your customer) as well as the openness. They also have to comply with international provisions on money-wash, terrorism and drug trade and teach the respective financial workers on the transactions so that they can be taxed accordingly. For the crimes taking place on the internet, which have to do with money (fraud etc.) if this is the end – as well as for further regulations or restrictions of internet trading. For these will simply give no reason.

Micropayment and financing of internet resources

Micropayment brings a new manifold. To support websites, which are gross popularity, but has failed for self-financing by subscriptions or advertising. It allows one side to get any access that decides to get the page based on a "payment per page" to visit (same applies, as already sudden, even for a page also). The user does not have to open an account or a business connection with the page or. Build its operator.

If the hearing, which is collected per page, highest the set threshold value is automatically transferred from the user’s account of the site operator.

Without a question, for many pages of traffic was collapse, if you per page 0.001 euro were required. But what about the websites we read every day? Are perhaps a tenth of a cent value? Once you have to compare what you have to pay for the pages, with what you are now paying for internet access.

Financing fourmilabs (a practical example)

Only spabeshake and to make the discussion realitatate-related, i once the cost for a simple "pay per page"-model for www.Fourmilab.Ch calculum. All in all, fourmilab costs approx. 5.000 euro per month, the bonds for the isp and the connections are the biggest items, the remainder consists of depreciation costs for the server hardware, applications other overheads. I did not count my time at the costs. Although she sums up at many hours, she is as it is already on the customs forms "no commercial value".

To compensate for these costs (167 euros per day), i became ca. 500.000 page views a day about 0.0003 euro (three hundredth of a cent) per page. The page views are from approx. 30.000 visitors generated per day (the fourmilab statistics show the details), so that each of the visitors average cost of approx. 0.005 euro per visited site on fourmilab.Had – half a cent per visit.

It is possible that some visitors at the idea of having to pay a half penny for the contents on fourmilab, avertes screaming, but somehow i doubt this. Maybe i’m just about what’s the value of my articles, self-confident enough to believe that these visitors were returned to the beginning shock. If you pay 50 euros per month today for internet access (via modem or dsl), you pay 0.07 euro (ie 7 cents) per hour for access, no matter if you use it or not – this only as a comparison.

In a naive surcharge calculation in relation to the average residence time of a visitor of this site, i was amed that the average visitor is about. 20 minutes on my side "driving around". So if you are 0.005 euro for the articles and documents were paid, which they call during their visit, so they were only about 20% higher costs than now, as they pay for internet access. So the costs were to operate this page here, more than covered. I invite providers of pages financed by a subscription system or by advertising, including such calculation, based on their own access profiles,.

Micropayment, excellent and "deep linking"

The advent of the weblogs ("blogs") and the other independent forms of internet journalism have led to several problems for the free use of copyrighted materials. Up to which degree, a blog may contain an excerpt from a web published document (with or without a link to the original source)? If a document is linked, it is linked to be within the archives of a page, so that the link is the main page and, if necessary, the advertising on it? Advertising that serves to finance the site?

Micropayment offers a solution for many of these problems. As did ted nelson performed almost forty years ago, when he presented his project xanadu for the first time, the problem of copyright is not his concept, but his "graininess" (today i became the absurd intention to annoy the copyright infinitely to add another problem, but that’s another topic – for another article).

As soon as micropayment has become just as self-reliable as email, a blog will only quote content from a website and one "extract url" use (the design overlate the readers – as an exercise) or put a link to the overall document. Reader of the blog will be able to read the excerpt or the overall document automatically, provided that the required amount of the highest value reaches its limit (and the total cost of the blog with all its either the highest as the limit value is). If the costs are high, the reader must click on a specific icon to approve the payment before reading accordingly.

Similar to links, it will be on documents subject to digital rights management (see capital digital rights management). If you click this link, the corresponding amount will be charged automatically and it can be read the document – of course only if it does not exceed the specified limit. Here, too, a separate confirmation of the payment is required again in the case of an exceeded limit.

Micropayment and ubiquitous access to wi-fi

Micropayment becomes the use of the "wireless internet access" (wi-fi and the successors) considerably facilitate. Nowadays, wi-fi rather has the character of an even unknown business model – some cafes and bookstore provide your customers (and, which gives themselves from the maxwellian equation: also those who park in front of the house) a free wi-fi access to the – as added value, so to speak. Hotels and airport lounge, on the other hand, offer wi-fi against a stew. Soon this will also be a service that will be offered on long-haul flowers.

With micropayment, the wi-fi interface is simply only after access offers "listen" and then depending on the bandwidth and costs, the best offer selection is below the chosen limit value. You will be asked to decide for yourself if the price exceeds the limit or costs and reach too much apart. But normally you just have to turn on the laptop, wait a few seconds and you’re online; without fuss, without muhe and guarantees at most as expensive as you have defined it by the limit.

Micropayments and internet taxes

It heibt that michael faraday, who was in the 1830s, the principle of electromagnetic induction discovered asked by a british policemen who conceivable applications, it was giving because for electricity. Faraday replied: "sir, i do not female using a sophisticated it might be useful. But one thing i female certain: at some point it will be taxed."

This quote is most likely a myth, but nevertheless lies a truth that is still true today. Electricity, for faraday’s times a curiosity in the laboratory, was ultimately taxed and by many disclaimed court decisions to the government monopoly or so very regulated that it was no longer distinguishable from such a monopoly. Electricity was scared (artificial), became expensive and uncomfortable.

As well as electricity the internet is being taxed in the end. As long as there are governments, this is inevitable. While taxation never expires painless, micropayment can spread at least most of the concerns in relation to the accounting, which help both handlers and buyers. Taxes for internet usage and trade are raised automatically and forwarded to the status.