Fraud has been perpetrated against every commerce system man has ever invented, from gold coin to stock certificates to paper checks to credit cards. Electronic commerce systems will be no different; if that's where the money is, that's where the crime will be. The threats are exactly the same.
This implies that new commerce systems don't have to be secure, but just better than what exists.
Systems based on long-term relationships, like credit cards and checking accounts, are safer than anonymous systems like cash.
In September 2006 Mint launched the Mint gift card. It is basically a pre-paid credit card that you can give as a gift; don't know what shop to get vouchers from for that favorite nephew? Give him something that can be used almost anywhere.
And it is safer than cash...
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