I just looked a bit to see other schemes in Jim's page and was surprised to find: > Internet Keyed Payment Protocols (iKP): Open definition, but no open source. Largely a public statement of what is in the wholly > proprietary code (IBM Micro Payments) rather than a genuinely non proprietary protocol. Just to clarify: of course I was of the (key?) designers of iKP... and of course in IBM Micro Payments I used many things I learned from the work on iKP - and on SET, the credit card standard, which is really an enchanced (too much?) version of iKP. But there are many differences between the two as iKP was really just a credit card protocol. In our site you can find papers and presentations with much more details on IBM Micro payments... Best Regards, Amir Herzberg Manager, E-Business and Security Technologies IBM Research - Haifa Lab (Tel Aviv Office) http://www.hrl.il.ibm.com New e-mail: [EMAIL PROTECTED] New Lotus notes mail: amir herzberg/haifa/ibm@IBMIL