I like the E-Pin program. Although I wish you can purchase them in smaller increments like say 250, 500, 750, 1000 AP. They're perfect for gifting AP to someone or trading AP for in-game items but that would be another issue (perhaps a way to securely trade AP and in-game items in the future). One caveat is the expiration issue, under california law
electronic credits cards such as gift cards and electronic currency cannot expire.