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Electronic Commerce, Payment Systems, and Security

Contents

• Projects and Systems
• Already offered services via Internet
• Intellectual Property Rights
• Collections of Pointers
• Miscellaneous: financial institutes, mailing lists, EDI, non-technical aspects like law
• Protocols: HTTP, EDI, PEM, PGP --> "Security and Cryptography"
• Cybercrime --> "Cybercrime and e-Fraud"

Projects and Systems

Electronic Commerce and Security Frameworks

• European Union's ACTS Project SEMPER -- Secure Electronic Marketplace for Europe
• SunSoft Java Commerce
• CommerceNet's eCo Framework Project
• IETF's Internet Open Trading Protocol (TRADE) Working Group (which supersedes the former Open Trading Protocol (OTP) consortium)
• Open Buying on the Internet (OBI)
• RosettaNet

Payment Systems

• Message and home-banking standards
  • HBCI: Homebanking standard by the German ZKA, a central clearing organisation for German banks.
  • Integrion Gold Standard
  • Interactive Financial Exchange (IFX) Specification
  • Open Financial Exchange (OFX)
• Smartcard purses, and other smartcard-based payment systems
  • Bibliography on current Electronic Purse Schemes (by Leo Van Hove)
  • CAFE: ESPRIT Project funded by the European Union. Untraceable electronic offline payment system (electronic cash)
  • CEPS: Common Electronic Purse Specifications, by Europay International, SERMEPA, Visa International, ZKA
  • Europay/MasterCard/VISA (EMV) Specifications. See also the related specifications from VISA
  • Mondex: Transferable offline payment system based on smartcards.
• Micropayment Systems
  • IBM Micropayments (formerly known as MiniPay): micropayment scheme developed by IBM Haifa
  • MilliCent (electronic microcommerce)
  • NetBill Electronic Commerce Project (CMU)
• Untraceable E-Cash
  • Untraceable payment protocols by Stefan Brands
  • CAFE: ESPRIT Project funded by the European Union. Untraceable electronic offline payment system (electronic cash)
  • eCash (DigiCash): Swiss trial, German trial
• E-Cheques
  • FSTC Electronic Check, based on the FSML-Financial Services Markup Language, which in turn is based on SDML - Signed Document Markup Language (see also SDML pages at W3C).
  • The Mandate Electronic Cheque, an electronic cheque system developed by a European research consortium
  • NetCheque
  • NetChex
• E-Credit and Debit Cards
  • CyberCash: An Application Level Internet Payment Syntax (Donald E. Eastlake 3rd, 07/07/1995) and CyberCash Credit Card Protocol Version 0.8 (Brian Boesch, Steve Crocker, Magdalena Yesil, 07/8/1995)
  • Wenbo Mao (Hewlett Packard): A Secure, Cheap and Exportable/Importable Method for Internet Electronic Payments
  • IBM's Internet Keyed Payment (iKP) System:
  • Netscape's Secure Courier and Credit card payment applications over the internet (not available online anymore)
  • Secure Electronic Transactions (SET) + Approved SET Extensions: Mastercard/VISA standard for creditcard payments over the Internet. Managed by "SET Secure Electronic Transaction LLC (SETCo)". Supersedes the earlier proposals STT (by VISA, Microsoft) and SEPP (by Mastercard, CyberCash, GTE, IBM, Netscape).
• Trusted market providers
  • GlobeID
  • Open Market

• Electronic Payment Schemes, a commented list of proposals maintained by Phillip M. Hallam-Baker, World Wide Web Consortium (local copy) --- checked 99/03/29: outdated
• Overview on anonymity of payment systems by Dan Fandrich --- checked 99/03/29: outdated

• CommerceNet and eCo System
• Stanford University Digital Libraries Project
• Financial Services Technology Consortium (FSTC),"a consortium of financial services providers, national laboratories, universities, and government agencies who sponsor and participate in non-competitive collaborative research and development on interbank technical projects." See their list of projects.
• SEMPER -- Secure Electronic Marketplace for Europe
• Univ. St Gallen: Electronic Markets and TeleCounter Electronic Banking
• IETF Working Group
  • Mailing List
  • Proposed Charter
• ESPRIT's electronic commerce home page
• European ePayment Systems Observatory

Marketplaces

• Internet Shopping Network
• NetMarket: Small scale project, similar to CommerceNet, but really commercial. Based on PGP and Mosaic/Netscape.
• Open Market
• MarketNet - The Electronic Marketplace

Related Systems

• Digital Notary System (Surety Technologies)

Already offered services via Internet

• Commercial Services, e.g.,
  • EUnet and EUnet Germany
• Electronic Storefronts
• Internet Business Center
• Open Market's Internet Index provides statistics on Internet

Intellectual property rights

• US Patent and Trademark Office hosts the Intellectual Property and the National Information Infrastructure Report
• IMPRIMATUR: Intellectual Multimedia Property RIghts Model And Terminology for Universal Reference, a European project on IPR
• Fenwick & West has articles about Software Distribution, Licensing and intellectual properties
• Betsi (Bellcore's Trusted Software Integrity System), a secure software certification service
• Report on Digital Rights Management Technologies for the International Federation of Reproduction Rights Organizations
• IBM Cryptolope Technology (and papers by Marc A. Kaplan and H.M. Gladney and J.B. Lotspiech)

Collections of Pointers

• WebEc -- World Wide Web Resources in Economics (Finland)
  • Economics of Networks
• Stanford University's Yahoo
  • Business
  • Electronic Commerce
• GNN
  • Network Money: The Future of Banking and Commerce on the Internet
  • Network Money Sites on the Internet
  • Copyright Crisis: A GNN Special Report
• EInet
  • Electronic Commerce
• Brad Cox's Coalition for Electronic Markets
• Thomas Ho's favorite Electronic Commerce WWW resources
• Jeffrey K. MacKie-Mason's Telecom Information Resources
• Network Payment Mechanisms and Digital Cash (Michael Peirce)
• HERMES, a research project on the commercial uses of the World Wide Web
• Institute for Finance and Banking at the University of Göttingen: Money and Payment Systems

Miscellaneous

Financial Institutes on the Internet

• Information collected by the Institute of Finance and Banking at the University of Göttingen

   

• INTEGRION Financial Network, "GOLD Standard"
• Bank of America
• Bank of Montreal
• Barclays and Barclaycard
• Citibank
• Royal Bank (Canada)
• VISA
• MasterCard
• Wells Fargo
• The World Bank

Mailing Lists

• WWW-SECURITY@nsmx.rutgers.edu, discussing security within the World Wide Web; promoting the development of Internet standards for WWW security; supporting the implementation of such standards. (archive)
• There are several mailing lists operated by working groups of CommerceNet. You must be a member to join these lists.
• set-discuss@commerce.net
• Dead lists, archives might still exists:
  • WWW-BUYINFO@allegra.att.com
  • E-PAYMENT@cc.bellcore.com
  • IETF-PAYMENTS@cc.bellcore.com

EDI

• Standards (X.12, UN/EDIFACT)
• The US Federal Electronic Commerce Acquisition Program Management Office has Federal Implementation Guidelines for Electronic Data Interchange (EDI)
• EDI archive
• EDI World Institute Agora at Curtin University
• EDI World Institute Global Reference Site

Other Stuff

• Center for Research in Electronic Commerce (Univ. Texas)
• European Chambers of Commerce
• WebTech's Whitepaper on "Internet Banking and Security"
• BankNet Electronic Banking Service
• Checkfree Corporation, "The US Nation's Provider of Electronic Payment Services for Home and Business"
• INET'95 Hypermedia Proceedings -- Commercial and Business Aspect
• FINWeb, Financial Economics World Wide Web Server
• Cross-Industry Working Team (XIWT) Documents: White papers on ...
  • Electronic Cash, Tokens and Payments in the National Information Infrastructure
  • An Architectural Framework for the National Information Infrastructure
• Economics of Internet (Dep. of Economics, Univ. Michigan)
• Project 2000: Research Program on Marketing in Computer-Mediated Environments, and their bibliography
• Electronic Money and Money in History