Generic electronic payment services: framework and functional specification
WOEC'96 Proceedings of the 2nd conference on Proceedings of the Second USENIX Workshop on Electronic Commerce - Volume 2
Designing a generic payment service
IBM Systems Journal
SWAPEROO: a simple wallet architecture for payments, exchanges, refunds, and other operations
WOEC'98 Proceedings of the 3rd conference on USENIX Workshop on Electronic Commerce - Volume 3
Generic electronic payment services: framework and functional specification
WOEC'96 Proceedings of the 2nd conference on Proceedings of the Second USENIX Workshop on Electronic Commerce - Volume 2
Payment method negotiation service: framework and programming specification
WOEC'96 Proceedings of the 2nd conference on Proceedings of the Second USENIX Workshop on Electronic Commerce - Volume 2
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We present a framework for integrating electronic payments with applications. We call it the Generic Electronic Payment Services (GEPS). There are five payment services identified in our framework. The model provides maximum transparency to the application developer, while maintaining maximum consistency for the end-user. This is achieved by a layered model where the application (top layer) is isolated from the details of the payment services (lower layer). We also believe that this framework makes it possible for new and innovative payment solutions to more easily integrate with existing applications, resulting in increased competition without stifling innovation. This ultimately leads to higher quality and cost effective solutions which the market will chose.