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Micro Payment or Micro Credit Systems Security

Choose one of the micro-payment systems (see e.g., http://en.wikipedia.org/wiki/Micropayment) or micro-credit system (see, e.g., http://en.wikipedia.org/wiki/Microcredit), try to describe how it works briefly. Discuss its security. 2 paragraphs is enough

With Scholarly Referencing.

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Solution Summary

This solution discusses the micro-payment or micro-credit system, how it works, and its security features.