References

1. EMVCo, EMV 2000 Integrated Circuit Card Specification for Payment Systems, BOOK 3 ”Application Specification , Version 4.0, December 2000, http://www.emvco.com/specifications.cfm.

2. K. Boehle, "CashWorld 2001: Some Impressions and Lessons on the Future of Internet Payments", Internet draft, http://epso.jrc.ec.

3. Garfinkel, S., and G. Spafford, Web Security, Privacy & Commerce , Second Edition, Sebastopol: O'Reilly & Associates, 2001.

4. Boyan, J., "The Anonymizer ”Protecting User Privacy on the Web", in CMC Magazine , September 1997, http://www.december.com/cmc/mag/1997/sep/boyan.html.

5. VeriSign, "Securing Your Web Site for Business", http://www.verisign.com/products/site/index.html.

6. MasterCard, "A White Paper: Using EMV for Remote Authentication", http://www.mastercardintl.com/newtechnology/smartcards/emv/RA_Entire_Manual.pdf.

7. ISO 7498-1, "Information Processing ”Open Systems Interconnection ”Basic Reference Model ”Part 1: The Basic Model", 1994.

8. Fummy, W., "Internet Security Protocols", in B. Preneel and V. Rijmen (eds.), State of the Art in Applied Cryptography , Berlin, Germany: Springer LNCS 1528, 1998, pp. 186 “208

9. Atkinson, R., Security Architecture for the Internet Protocol , Request for Comments (RFC) 1825 (PS), August 1995.

10. Atkinson, R., IP Authentication Header , Request for Comments (RFC) 1826 (PS), August 1995.

11. Atkinson, R., IP Encapsulating Security Payload (ESP) , Request for Comments (RFC) 1827 (PS), August 1995.

12. O'Mahony, V., M. Pierce, and H. Tewari, Electronic Payment Systems for E-commerce , Second Edition, Norwood, MA: Artech House, 2001.

13. SETCo, "SET Secure Electronic Transaction 1.0 Specification ”The Business Description", May 1997, http://www.setco.org/set_specifications.html.

14. SETCo, "SET Secure Electronic Transaction 1.0 Specification ”The Programmer's Guide", May 1997, http://www.setco.org/set_specifications.html.

15. SETCo, "SET Secure Electronic Transaction 1.0 Specification ”The Formal Protocol Definition", May 1997, http://www.setco.org/set_specifications.html.

16. IBM Research, "iKP ”A Family of Secure Electronic Payment Protocols", in The First USENIX Workshop on Electronic Commerce , New York, 1995.

17. Freier, A. O., P. Karlton, and P. C. Kocher, The SSL 3.0 Protocol , Internet-Draft, November 1996.

18. Dierks, T., and C. Allen, The TLS Protocol ”Version 1.0 , Internet-Draft, November 1997.

19. SETCo, "External Interface Guide to SET Secure E-Commerce", http://www.setco.org/download.html.

20. Visa, "Visa Authenticated Payment Program, 3-D Secure ^TM ", http://www.international.visa.com/fb/paytech/secure/main.jsp.

21. MasterCard, "Secure Payment Application (SPA ^TM )", http://www.mastercardintl.com/newtechnology/ecommercesecurity/spa/.

22. Visa EU E-Commerce, "3-D SET", http://www-s2.visa.com/pd/eu_shop/ merchants /faqs/main.html.

23. SETCo, "The On-line PIN Extensions to SET Secure Electronic Transaction ¢ Version 1.0", http://www.setco.org/extensions.html.

24. SETCo, "The Common Chip Extension to SET Secure Electronic Transaction ¢ Version 1.0", http://www.setco.org/extensions.html.