Roger Clarke's Web-Site © Xamax Consultancy Pty Ltd,  1995-2024
HOME	eBusiness	Information Infrastructure	Dataveillance & Privacy	Identity Matters	Other Topics
What's New		Waltzing Matilda	Advanced Site-Search

Electronic Payment Mechanisms

Roger Clarke **

© Xamax Consultancy Pty Ltd, 2009

THIS PAPER HAS BEEN SUPERSEDED BY A LATER VERSION HERE

This work is copyright. Use for profit requires approval. Use for any other purpose is permitted, provided that appropriate attribution is provided, and the source of the material and contact-points of the author are carried with it (i.e. please include this header in such copies as you make).

Source: http://www.rogerclarke.com/EC/EPM

Electronic Conference

This page is intended as the starting point for an electronic conference on Electronic Markets, sponsored by the MCB Journal 'Logistics Information Management', and managed by Andy Bytheway of Cranfield School of Management, Bedford in the United Kingdom.

To contribute to the EPM sub-conference, please email to the convenor, Roger Clarke, using the subject heading EPM (to ensure that my email filter places it in the right in-tray).

Directory

The term 'electronic payment mechanism' refers to ways in which value can be transferred and debts can be settled, using electronic tools.

This page comprises the following sections:

• an introduction to the topic;
• some issues for discussion; and
• a resource-index of electronic payment mechanisms web-sites:
  • introductory articles;
  • general reference sites;
  • electronic payment sites (research);
  • electronic payment sites (commercial);
  • chip-cards in financial services;
  • security in electronic payments;
  • electronic and electronically available periodicals;
  • some relevant emailing lists.

A companion page is available, which provides the following sections:

* general reference sites;

* research sites;

* teaching sites;

* Australian government and related sites;

* U.S. and other government sites;

* international trade;

* commercial and services directories;

* industry associations;

* intermediaries and other community service pages;

* a few sample marketers' pages;

* some sample Australian sites;

* 'Frequently Asked Questions' (FAQ) documents;

* electronic and electronically available periodicals;

* some relevant emailing lists.

References

• introductory articles:
  • an IDG article;
• general reference sites:
  • Phillip Hallam-Baker's page;
  • Michael Peirce's research-page, in Dublin;
  • Brad Cox's digital money' hot-links;
  • Yahoo's digital money pages;
  • EINet's Galaxy service's directory of electronic commerce sites;
• electronic payment sites (research):
  • Netcash and Netcheque, from the Institute of Systems Sciences at Uni. of Southern Cal. (Cliff Neumann);
  • Carnegie-Mellon's NetBill Project, and its security and transaction protocol;
  • Jiri Baum's pages at Monash Uni.;
  • Rivest & Shamir's paper on micro-payments (Postscript format only);
  • the Office of Technology Assessment's "Information Technology for Control of Money Laundering" report (requires Acrobat);
• Digicash-related materials (important enough to justify its own section):
  • DigiCash in Amsterdam;
  • Digicash's ecash product;
  • the ecash trial, using 'Cyberbucks';
  • how to participate in the ecash/Cyberbucks trial;
  • the shops participating in the ecash/Cyberbucks trial;
  • the press release announcing the first bank to implement the technology;
  • the Mark Twain Bank's implementation of live ecash;
  • the European CAFE project;
• electronic payment sites (commercial):
  • First Virtual Holdings, their Infohaus (shopping mall), and a relevant sample seller;
  • Webtech's paper on Internet banking and security;
  • Bell Labs on electronic payment;
  • CyberCash (Massachusetts, I think);
  • Netchex's on-line confirmation of cheques / checks - sure to be a big success internationally, given that it sounds so much like Wetchex, a brand of condoms ...;
  • Clickshare's 'free market for information exchange on the Internet';
  • Security First National Bank's site;
  • BarclayCard's shopping mall;
  • the W3C and CommerceNet Joint Electronic Payment Initiative;
  • Robert Hettinga's pages;
• chip-cards in financial services:
  • a collection of chip-card hot-links;
  • Mondex, out of the U.K.;
  • MasterCard's pages, including its Secure Electronic Payment Protocol specification;
  • Visa's (uninformative) pages;
  • First Union's announcement of VisaCash, in both one-time-usage and reloadable forms, intended to be in use for the Atlanta Olympics in 1996;
  • GEMPlus, supplier of chip-cards for financial services;
• security in electronic payments:
  • NetScape's paper on Internet security;
  • Netscape`s annoucement of a secure electronic envelope for financial transactions;
  • the digital signature proposals of the American Bar Association;
• electronic and electronically available periodicals:
  • see the list of general EC periodicals;
• some relevant emailing lists:
  • for e-payment (electronic payments), email to majordomo@cc.bellcore.com, with the content subscribe e-payment;
  • for practical privacy protection, especially through cryptography, send mail to majordomo@toad.com with the content subscribe cypherpunks. This is a very busy list (up to 100 messages per day); but because of the centrality of payment transaction anonymity to privacy, it has been carrying a great deal of discussion about payment mechanisms. For an unmoderated digest, email to majordomo@gateway.com with the content subscribe cypherpunks-d. A moderated version of the list called Cpunks Frog Forwards also exists, claiming to provide only 5-10% of the volume. To be added or removed, send a polite request to the human behind Damaged Justice <frogfarm@yakko.cs.wmich.edu>;
  • for fv-users (public discussions about First Virtual's payment system and associated products and technologies, email to fv-users-request@fv.com, with the single word "subscribe" in the subject;

There's a splendid directory of emailing lists. For the IS area, you'll need to go down one level.

The content and infrastructure for these community service pages are provided by Roger Clarke through his consultancy company, Xamax. From the site's beginnings in August 1994 until February 2009, the infrastructure was provided by the Australian National University. During that time, the site accumulated close to 30 million hits. It passed 65 million in early 2021. Sponsored by the Gallery, Bunhybee Grasslands, the extended Clarke Family, Knights of the Spatchcock and their drummer

Xamax Consultancy Pty Ltd ACN: 002 360 456 78 Sidaway St, Chapman ACT 2611 AUSTRALIA Tel: +61 2 6288 6916

Last Amended: 27 December 1995 by Roger Clarke - Site Last Verified: 15 February 2009
This document is at www.rogerclarke.com/EC/EPM.html
Mail to Webmaster   -    © Xamax Consultancy Pty Ltd, 1995-2022   -    Privacy Policy