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.

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. Since we need to spend more time on the project, one or two paragraphs of submission to this Assignment is enough.