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NEEDHAM, Mass. – Micropayments, in which consumer bank accounts are dinged electronically for such things as digital music downloads and cellphone ring tones, is in a growth period characterized by both rapid adoption and conflicting standards in need of a good shaking out. That’s the take from TowerGroup, the financial services research and advisory firm, which expects the total market for Internet and mobile micropayments in the United States to increase from $1.9 billion last year to $11.5 billion in 2009. These graphics highlight some of the TowerGroup report’s findings and predictions:

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