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Artech House Universal Personal Communications Series

By: Donal O'Mahony, Michael Peirce, Hitesh Tewari

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Hardcover | 1 July 2001 | Edition Number 2

At a Glance

Hardcover
364 Pages

Edition Type
Revised

Dimensions(cm)
22.23 x 15.24 x 1.91

Hardcover

$258.99

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This newly revised edition of the highly successful 1997 book offers professionals and students an up-to-date, in-depth understanding of how payments are made electronically across the Internet. The second edition explores the very latest developments in this quickly expanding area, including the newest security techniques and methods, and features a completely new chapter on the exciting advances in mobile commerce. Pub 8/01.

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You Can Find This Book In

Non-Fiction Computing & I.T.Digital Lifestyle & Online World: Consumer & User Guides Internet Guides & Online Services Accounting & Finance Finance Banking Reference, Information & Interdisciplinary Subjects Research & Information Coding Theory & Cryptology Business & Management Business Aspects of E-Commerce

Engineering & Technology Energy Technology & Engineering Electrical Engineering Computer Science Computer Security Data Encryption

Preface	p. xiii
Motivation for electronic payment	p. 1
References	p. 4
Characteristics of current payment systems	p. 5
Cash payments	p. 6
Payment through banks	p. 7
Payment by check	p. 7
Payment by giro or credit transfer	p. 9
Automated clearing house (ACH) payments	p. 9
Wire transfer services	p. 11
Using payment cards	p. 12
Consumer preferences in payment systems	p. 14
Regulatory framework	p. 15
References	p. 17
Cryptographic techniques	p. 19
Encryption and decryption	p. 20
Symmetric encryption	p. 21
Data Encryption Standard (DES)	p. 22
Triple DES	p. 26
IDEA	p. 26
Advanced Encryption Standard (AES)	p. 28
RC2, RC4, and RC5	p. 30
Message digesting or hashing	p. 33
MD5	p. 34
The Secure Hash Algorithm (SHA)	p. 34
Kerberos	p. 35
Overview of the Kerberos model	p. 35
Obtaining a ticket	p. 37
Service request	p. 38
Asymmetric or public-key encryption	p. 38
Properties of a public-key cryptosystem	p. 39
Trapdoor one-way functions	p. 40
Using public-key cryptosystems for authentication	p. 40
Digital signatures and enveloping	p. 40
RSA	p. 42
Elliptic curve cryptography	p. 44
Public-key infrastructure (PKI)	p. 45
Certificates	p. 45
Certification authorities	p. 46
Attribute certificates	p. 47
Transport of security information	p. 48
Abstract syntax notation (ASN.1)	p. 49
The X.509 directory authentication framework	p. 51
PKCS cryptographic message syntax	p. 53
Dual signatures	p. 54
Nonces	p. 56
Blind signatures	p. 57
Chip cards/smart cards	p. 59
Card types	p. 60
Memory types and capacity	p. 61
Physical specifications	p. 63
Security	p. 63
Public-key processing capabilities	p. 64
Multiapplication cards	p. 65
Java Card	p. 65
Multos	p. 67
Observers	p. 68
References	p. 69
Credit card-based systems	p. 73
Mail order/telephone order (MOTO) transactions	p. 76
Unsecured network payments	p. 76
First Virtual	p. 77
Once-off credit card numbers	p. 80
The secure socket layer (SSL)	p. 82
i-Key protocol (iKP)	p. 89
Framework of iKP protocols	p. 90
1KP	p. 91
2KP	p. 96
3KP	p. 98
Secure Electronic Transactions (SET)	p. 100
The SET trust model	p. 102
SET message structure	p. 105
Payment initialization (PInitReq/PInitRes)	p. 106
Purchase order (PReq/PRes)	p. 107
Authorization (AuthReq/AuthRes)	p. 112
Capture of payment (CapReq/CapRes)	p. 114
Cardholder inquiry (InqReq/InqRes)	p. 115
SET software components	p. 120
SET market acceptance	p. 120
Server-side wallets	p. 122
Using SET with smart cards	p. 123
Summary	p. 123
References	p. 125
Electronic checks and account transfers	p. 127
Payment transfer between centralized accounts	p. 128
Funding the account	p. 130
Authenticated account transfer	p. 134
Withdrawing funds from the system	p. 137
Business models	p. 137
FSTC payment initiatives	p. 138
Electronic check concept	p. 139
Financial Services Markup Language (FSML)	p. 141
Electronic check functional flows	p. 144
Check-handling infrastructure	p. 146
Bank Internet Payment System (BIPS)	p. 148
Financial Agent Secure Transaction (FAST)	p. 151
NACHA Internet payments	p. 153
Internet Secure ATM Payments (ISAP)	p. 153
DirectPay	p. 155
NetBill	p. 156
Protocol overview	p. 157
Authentication procedure	p. 159
Transaction protocol	p. 160
Price request phase	p. 161
Goods delivery phase	p. 161
Payment phase	p. 162
NetBill characteristics	p. 163
NetCheque	p. 164
Summary	p. 167
References	p. 167
Electronic cash payment systems	p. 171
Ecash	p. 172
The Ecash model	p. 173
Ecash coins	p. 174
Coin keys	p. 174
Double-spending prevention	p. 177
Withdrawing coins	p. 178
An Ecash purchase	p. 180
Making the payment	p. 180
Proving payment	p. 181
Payment deposit	p. 182
Integration with the Web	p. 182
Ecash in the mail	p. 183
Transferring Ecash	p. 183
Lost coins	p. 184
Ecash and crime	p. 184
Magic Money	p. 186
Remarks	p. 186
Project CAFE	p. 186
Goals of CAFE	p. 187
Architecture	p. 188
CAFE devices	p. 189
Role of observers	p. 190
Protocol overview	p. 190
Off-line coins	p. 191
The [alpha] protocol	p. 192
The [Gamma] protocol	p. 195
Additional features	p. 196
Remarks	p. 196
NetCash	p. 196
Framework/model	p. 197
NetCash coins	p. 198
Double-spending prevention	p. 199
Coin transfer	p. 200
Certificate of insurance	p. 200
Basic purchase	p. 201
Obtaining coins	p. 201
Paying a merchant	p. 203
Verifying coins	p. 204
Providing limited anonymity	p. 204
Merchant anonymity	p. 205
Preventing anonymity	p. 206
Clearing	p. 206
Extensions	p. 207
Preventing merchant fraud	p. 207
Off-line protocols	p. 209
Remarks	p. 210
Mondex	p. 210
EMV cash cards and CEPS	p. 213
EMV2000	p. 214
Common Electronic Purse Specification (CEPS)	p. 214
Remarks	p. 220
SmartAxis	p. 220
Remarks	p. 222
References	p. 223
Micropayment systems	p. 227
Millicent	p. 228
The Millicent model	p. 229
Purchasing with Millicent	p. 231
Scrip	p. 233
Scrip structure	p. 234
Scrip certificate generation	p. 235
Scrip validation	p. 235
Preventing double spending	p. 237
Computation costs	p. 237
Sending scrip over a network: the Millicent protocols	p. 237
Scrip in the clear	p. 237
Encrypted network connection	p. 237
Request signatures	p. 241
Performance	p. 243
Millicent with the Web	p. 243
Extensions	p. 244
Summary	p. 245
SubScrip	p. 245
Basic SubScrip	p. 246
Establishing a temporary account	p. 246
Providing anonymity	p. 247
A SubScrip ticket	p. 247
A SubScrip purchase	p. 248
Security and privacy	p. 248
Protected SubScrip	p. 249
Refunding SubScrip	p. 250
Lost tickets	p. 250
PayWord	p. 250
PayWord user certificates	p. 251
Revoked certificates	p. 253
PayWord chains	p. 253
Commitment to a PayWord chain	p. 254
Spending PayWords	p. 255
Variable-size payments	p. 256
Redeeming spent PayWords	p. 257
Computational costs	p. 257
Extensions	p. 258
Remarks	p. 258
iKP micropayment protocol	p. 259
[mu]-3KP protocol	p. 260
Repeated micropayments	p. 261
Nonrepeated micropayments	p. 264
Remarks	p. 266
Hash chain trees	p. 266
PayTree	p. 268
Unbalanced One-way Binary Tree (UOBT)	p. 270
MicroMint	p. 273
The MicroMint model	p. 274
MicroMint coins	p. 274
Verifying a coin	p. 275
Minting coins	p. 276
Computational costs	p. 277
Multiple coins per bin	p. 278
Coin validity criterion	p. 278
Preventing forgery	p. 279
A MicroMint purchase	p. 280
Double spending	p. 280
Extensions	p. 281
Probability-based micropayments	p. 283
Bets using coin flips	p. 284
Hash chain lottery tickets	p. 286
Jalda	p. 288
NewGenPay/IBM Micropayments	p. 292
Banner advertising as a form of micropayment	p. 296
Micropayments summary and analysis	p. 297
References	p. 300
Mobile commerce	p. 303
Mobile Internet architectures	p. 305
Carrying Internet data on cellular networks	p. 305
The wireless application protocol (WAP)	p. 306
Japan's iMode service	p. 307
Industry consortia	p. 308
Mobile network operator as banker	p. 308
Third-party account-based mobile payment systems	p. 309
Sonera MobilePay	p. 310
Paybox	p. 311
GiSMo	p. 313
The Fundamo architecture	p. 315
Credit card-based systems	p. 316
Mobile SET	p. 317
Remarks	p. 320
Summary	p. 321
References	p. 322
Payment systems: prospects for the future	p. 325
About the authors	p. 329
Index	p. 331
Table of Contents provided by Syndetics. All Rights Reserved.

Artech House Universal Personal Communications Series

At a Glance

Hardcover

Shipping

How to return your order

Defective items

You Can Find This Book In

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