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1995 . . . 1995 90% : National Automated Clearing House Association, 3 . , . - .2 - .
1998 . PayPal,
. PhonePaid, . 1990- "-": Clickshare, The Internet Dollar, Internet Cash, NetCheque ..
2002 . - . 1999 .
2003 . (Robert Mandell), , , 2040 . , . "" (, , ) "".
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