For those who aren’t familiar with Microsoft gaming systems, Microsoft Points are the currency for Zune, Windows Live Gallery, Xbox Live Marketplace, and Windows Games Live Marketplace. These points allow users to purchase items without using a credit card, reducing the amount of credit transactions that Microsoft would otherwise have to make.
In light of the recent PSN hacking attack, many people are suggesting that Sony should adopt a similar currency. At the moment, gamers need to rely solely on their credit cards to make purchases. This is one of the reasons why the attack could have resulted in financial fraud for many users, which may have been avoided if Sony had its own currency.