Problem: 1- not everyone has a credit card 2- many people are afraid of 'rip off' activity on the internet. Solution: Market an internet 'top up' scratch card, exactly like they do for pre pay mobile phones, these can for simplicity be in various denominations to match the intended purchase. a- the rip off risk is limited to the amount of the voucher b- people will have full confidence in the transaction c- no need for high levels of encryption d- the vendor has security of...