Electronic Payment Systems for E-Commerce

, by O'Mahony, Donal; Peirce, Michael A.; Tewari, Hitesh

Note: Supplemental materials are not guaranteed with Rental or Used book purchases.

ISBN: 9781580532686 | 1580532683
Cover: Hardcover
Copyright: 8/1/2001

Sorry, this item is currently not available.

Look to this newly revised resource for an up-to-date, in-depth examination of how payments are made electronically across the Internet. The second edition covers the very latest developments in this quickly expanding area, including new security techniques such as the advanced encryption standard (AES) and multi-application smart cards.

Preface

xiii

Motivation for electronic payment

(4)

References

(1)

Characteristics of current payment systems

(14)

Cash payments

(1)

Payment through banks

(5)

Payment by check

(2)

Payment by giro or credit transfer

(1)

Automated clearing house (ACH) payments

(2)

Wire transfer services

(1)

Using payment cards

(2)

Consumer preferences in payment systems

(1)

Regulatory framework

(2)

References

(2)

Cryptographic techniques

(54)

Encryption and decryption

(1)

Symmetric encryption

(12)

Data Encryption Standard (DES)

(4)

Triple DES

(1)

IDEA

(2)

Advanced Encryption Standard (AES)

(2)

RC2, RC4, and RC5

(3)

Message digesting or hashing

(2)

MD5

(1)

The Secure Hash Algorithm (SHA)

(1)

Kerberos

(3)

Overview of the Kerberos model

(2)

Obtaining a ticket

(1)

Service request

(1)

Asymmetric or public-key encryption

(2)

Properties of a public-key cryptosystem

(1)

Trapdoor one-way functions

(1)

Using public-key cryptosystems for authentication

(1)

Digital signatures and enveloping

(2)

RSA

(2)

Elliptic curve cryptography

(1)

Public-key infrastructure (PKI)

(3)

Certificates

(1)

Certification authorities

(1)

Attribute certificates

(1)

Transport of security information

(6)

Abstract syntax notation (ASN.1)

(2)

The X.509 directory authentication framework

(2)

PKCS cryptographic message syntax

(1)

Dual signatures

(2)

Nonces

(1)

Blind signatures

(2)

Chip cards/smart cards

(14)

Card types

(1)

Memory types and capacity

(2)

Physical specifications

(1)

Security

(1)

Public-key processing capabilities

(1)

Multiapplication cards

(1)

Java Card

(2)

MULTOS

(1)

Observers

(1)

References

(4)

Credit card-based systems

(54)

Mail order/telephone order (MOTO) transactions

(1)

Unsecured network payments

(1)

First Virtual

(3)

Once-off credit card numbers

(2)

The secure socket layer (SSL)

(7)

i-Key protocol (iKP)

(11)

Framework of iKP protocols

(1)

IKP

(5)

2KP

(2)

3KP

(2)

Secure Electronic Transactions (SET)

100

(23)

The SET trust model

102

(3)

SET message structure

105

(1)

Payment initialization (PInitReq/PInitRes)

106

(1)

Purchase order (PReq/PRes)

107

(5)

Authorization (AuthReq/AuthRes)

112

(2)

Capture of payment (CapReq/CapRes)

114

(1)

Cardholder inquiry (InqReq/InqRes)

115

(5)

SET software components

120

(1)

SET market acceptance

120

(2)

Server-side wallets

122

(1)

Using SET with smart cards

123

(1)

Summary

123

(4)

References

125

(2)

Electronic checks and account transfers

127

(44)

Payment transfer between centralized accounts

128

(10)

Funding the account

130

(4)

Authenticated account transfer

134

(3)

Withdrawing funds from the system

137

(1)

Business models

137

(1)

FSTC payment initiatives

138

(15)

Electronic check concept

139

(2)

Financial Services Markup Language (FSML)

141

(3)

Electronic check functional flows

144

(2)

Check-handling infrastructure

146

(2)

Bank Internet Payment System (BIPS)

148

(3)

Financial Agent Secure Transaction (FAST)

151

(2)

NACHA Internet payments

153

(3)

Internet Secure ATM Payments (ISAP)

153

(2)

DirectPay

155

(1)

NetBill

156

(8)

Protocol overview

157

(2)

Authentication procedure

159

(1)

Transaction protocol

160

(1)

Price request phase

161

(1)

Goods delivery phase

161

(1)

Payment phase

162

(1)

NetBill characteristics

163

(1)

NetCheque

164

(3)

Summary

167

(4)

References

167

(4)

Electronic cash payment systems

171

(56)

Ecash

172

(14)

The Ecash model

173

(1)

Ecash coins

174

(1)

Coin keys

174

(3)

Double-spending prevention

177

(1)

Withdrawing coins

178

(2)

An Ecash purchase

180

(1)

Making the payment

180

(1)

Proving payment

181

(1)

Payment deposit

182

(1)

Integration with the Web

182

(1)

Ecash in the mail

183

(1)

Transferring Ecash

183

(1)

Lost coins

184

(1)

Ecash and crime

184

(2)

Magic Money

186

(1)

Remarks

186

(1)

Project CAFE

186

(10)

Goals of CAFE

187

(1)

Architecture

188

(1)

CAFE devices

189

(1)

Role of observers

190

(1)

Protocol overview

190

(1)

Off-line coins

191

(1)

The α protocol

192

(3)

The γ protocol

195

(1)

Additional features

196

(1)

Remarks

196

(1)

NetCash

196

(14)

Framework/model

197

(1)

NetCash coins

198

(1)

Double-spending prevention

199

(1)

Coin transfer

200

(1)

Certificate of insurance

200

(1)

Basic purchase

201

(1)

Obtaining coins

201

(2)

Paying a merchant

203

(1)

Verifying coins

204

(1)

Providing limited anonymity

204

(1)

Merchant anonymity

205

(1)

Preventing anonymity

206

(1)

Clearing

206

(1)

Extensions

207

(1)

Preventing merchant fraud

207

(2)

Off-line protocols

209

(1)

Remarks

210

(1)

Mondex

210

(3)

EMV cash cards and CEPS

213

(7)

EMV2000

214

(1)

Common Electronic Purse Specification (CEPS)

214

(6)

Remarks

220

(1)

SmartAxis

220

(2)

Remarks

222

(5)

References

223

(4)

Micropayment systems

227

(76)

Millicent

228

(17)

The Millicent model

229

(2)

Purchasing with Millicent

231

(2)

Scrip

233

(1)

Scrip structure

234

(1)

Scrip certificate generation

235

(1)

Scrip validation

235

(2)

Preventing double spending

237

(1)

Computation costs

237

(1)

Sending scrip over a network: the Millicent protocols

237

(1)

Scrip in the clear

237

(1)

Encrypted network connection

237

(4)

Request signatures

241

(2)

Performance

243

(1)

Millicent with the Web

243

(1)

Extensions

244

(1)

Summary

245

(1)

SubScrip

245

(5)

Basic SubScrip

246

(1)

Establishing a temporary account

246

(1)

Providing anonymity

247

(1)

A SubScrip ticket

247

(1)

A SubScrip purchase

248

(1)

Security and privacy

248

(1)

Protected SubScrip

249

(1)

Refunding SubScrip

250

(1)

Lost tickets

250

(1)

PayWord

250

(9)

PayWord user certificates

251

(2)

Revoked certificates

253

(1)

PayWord chains

253

(1)

Commitment to a PayWord chain

254

(1)

Spending PayWords

255

(1)

Variable-size payments

256

(1)

Redeeming spent PayWords

257

(1)

Computational costs

257

(1)

Extensions

258

(1)

Remarks

258

(1)

iKP micropayment protocol

259

(7)

μ-3KP protocol

260

(1)

Repeated micropayments

261

(3)

Nonrepeated micropayments

264

(2)

Remarks

266

(1)

Hash chain trees

266

(7)

PayTree

268

(2)

Unbalanced One-way Binary Tree (UOBT)

270

(3)

MicroMint

273

(10)

The MicroMint model

274

(1)

MicroMint coins

274

(1)

Verifying a coin

275

(1)

Minting coins

276

(1)

Computational costs

277

(1)

Multiple coins per bin

278

(1)

Coin validity criterion

278

(1)

Preventing forgery

279

(1)

A MicroMint purchase

280

(1)

Double spending

280

(1)

Extensions

281

(2)

Probability-based micropayments

283

(5)

Bets using coin flips

284

(2)

Hash chain lottery tickets

286

(2)

Jalda

288

(4)

NewGenPay/IBM Micropayments

292

(4)

Banner advertising as a form of micropayment

296

(1)

Micropayments summary and analysis

297

(6)

References

300

(3)

Mobile commerce

303

(22)

Mobile Internet architectures

305

(3)

Carrying Internet data on cellular networks

305

(1)

The wireless application protocol (WAP)

306

(1)

Japan's iMode service

307

(1)

Industry consortia

308

(1)

Mobile network operator as banker

308

(1)

Third-party account-based mobile payment systems

309

(7)

Sonera MobilePay

310

(1)

Paybox

311

(2)

GiSMo

313

(2)

The Fundamo architecture

315

(1)

Credit card-based systems

316

(5)

Mobile SET

317

(3)

Remarks

320

(1)

Summary

321

(4)

References

322

(3)

Payment systems: prospects for the future

325

(4)

About the authors

329

(2)

Index

331

Please wait while the item is added to your bag...

FREE SHIPPING

Amazon no longer offers textbook rentals. We do!

Electronic Payment Systems for E-Commerce

Summary

Author Biography

Table of Contents

Supplemental Materials