CONTENTS 

    PREFACE    

 1  MOTIVATION FOR ELECTRONIC PAYMENT   


 2  CHARACTERISTICS OF CURRENT PAYMENT SYSTEMS
     2.1   Cash Payments
     2.2   Payment Through Banks
     2.3   Using Payment Cards
     2.4   Consumer Preferences in Payment Systems
     2.5   Regulatory Framework 


 3  CRYPTOGRAPIC TECHNIQUES
     3.1   Encryption and Decryption
     3.2   Symmetric Encryption
     3.3   Message Digesting or Hasing
     3.4   Kerberos
     3.5   Asymmetric or Public-Key Encryption
     3.6   RSA
     3.7   Public-Key Management
     3.8   Transport of Security Information
     3.9   Dual Signatures
     3.10  Nonces
     3.11  Blind Signatures
     3.12  Chip Cards / Smart Cards


 4  CREDIT CARD- BASED SYSTEMS
     4.1   Mail Order/Telephone Order (MOTO) Transactions
     4.2   Unsecured Network Payments
     4.3   First Virtual
     4.4   Collect All Relevant Information (CARI)
     4.5   The Secure Socket Layer (SSL)
     4.6   CyberCash
     4.7   i-Key Protocol (iKP)
     4.8   Secure Electronic Payment Protocol (SEPP)
     4.9   Secure Electronic Transactions (SET)
     4.10  Summary


 5  ELECTRONIC CHECKS
     5.1   FSTC Electronic Check Project
     5.2   NetBill
     5.3   NetCheque
     5.4   Electronic Check Summary


 6  ELECTRONIC CASH PAYMENT SYSTEMS
     6.1   Ecash (DigiCash)
     6.2   Project CAFE
     6.3   NetCash
     6.4   CyberCoin
     6.5   Mondex
     6.6   EMV Cash Cards
     6.7   Remarks


 7  MICROPAYMENT SYSTEMS
     7.1   Millicent
     7.2   SubScrip
     7.3   PayWord
     7.4   iKP Micropayment Protocol
     7.5   MicroMint
     7.6   Micropayments Summary and Analysis


 8  PAYMENT SYSTEMS - PROSPECTS FOR THE FUTURE

---