December, 1997

Exploring Digital Cash

References

The E-Cash Group. A team of graduate students from the Harvard Business School, the Kennedy School of Government, the Harvard Law School, and the Massachusetts Institute of Technology, “Electronic Micropayments,” Presented at the Harvard Business School on April 23, 1997
http://rpcp.mit.edu/~pearah/micropayments/

Electronic Privacy Information Center
http://www.epic.org/

Federal Deposit Insurance Corporation. Important Banking Legislation
http://www.fdic.gov/publish/banklaws.html

Federal Deposit Insurance Corporation’s Public Hearing Concerning Stored Value Cards and Other Electronic Payment Systems, September 12, 1996.  Summary of Testimonies.

Fisher, Rosalind L.  Executive Vice President, Visa U.S.A., Testimony before the Subcommittee on Domestic And International Monetary Policy of the Committee On Banking and Financial Services, United States House of Representatives, July 25, 1995
The Future of the Payment System
http://www.house.gov/castle/banking/fisher1.htm

Froomkin, A. Michael.  “The Essential Role of Trusted Third Parties in Electronic Commerce,”  Published at 75 Oregon L. Rev. 49 (1996).
http://www.law.miami.edu/~froomkin/articles/trustedf.htm

Froomkin, A. Michael. “Flood Control on the Information Ocean: Living With Anonymity, Digital Cash, and Distributed Databases,” Published at 15 U. Pittsburgh Journal of Law and Commerce 395 (1996).
http://www.law.miami.edu/~froomkin/articles/ocean.htm

Froomkin, A. Michael.  “The Unintended Consequences of E-Cash,”  A position paper for the Panel on ‘Governmental and Social Implications of Digital Money’  Computers, Freedom & Privacy Conference (CFP’97), Burlingame, California, USA, March 12, 1997.
http://www.law.miami.edu/~froomkin/articles/cfp97.htm

Greenspan, Alan. Remarks at the U.S. Treasury Conference on Electronic Money & Banking: The Role of Government (Washington D.C.: Sept. 19, 1996).
http://www.bog.frb.fed.us/BOARDDOCS/SPEECHES/19960919.htm

Group of Ten. “Electronic Money:  Consumer protection, law enforcement, supervisory and cross border issues,” Report of the working party on electronic money
April 1997
http://www.jya.com/g10emoney.htm

Konvisser, Joshua B.  Coins, Notes and Bits:  A Case for Legal Tender on the Internet.
http://roscoe.law.harvard.edu/courses/techseminar96/konvispaper/7369294.html

Miller, Jim. “E-money mini-FAQ (release 2.0)”
http://www.ex.ac.uk/~RDavies/arian/emoneyfaq.html

The Mortgage Mart. Truth In Lending Act – Regulation Z
http://www.mortgagemart.com/regz.html

Orlikowski, Wanda. "Improvising Organizational Transformation Over Time: A
Situated Change Perspective", Information Systems Research, Vol.7, No. 1,
March 1996

U.S. Department of Treasury, Office of Tax Policy.  “Selected Tax Policy Implications of Global Electronic Commerce,”  November 1996.

W3C Activities Related to the US “Framework for Global Electronic Commerce,”  President William J. Clinton and Vice President Albert Gore, Jr., Washington, D.C., Author:  Joseph Reagle Jr., W3C.
http://www.w3.org/TR/NOTE-framework-970706.html

Product Web Sites

CAFÉ (Conditional Access for Europe)
http://www.cwi.nl/cwi/projects/cafe.html     

Clickshare
http://www.clickshare.com/

CyberCents
http://www.outreach.com

Digicash
http://www.digicash.com/

IBM Commerce Point
http://www.internet.ibm.com/news/2ada.html

Java Wallet
http://www.sunlabs.com/research/javaWallet.html 

Millicent
http://www.millicent.digital.com/index.html

Millicent in use at UCB's Haas School of Business
http://host.millicent.digital.com:3190/~cmit/entry.html

Mondex
http://www.mondex.com/

NetBill and CyberCash
http://www.netbill.com/netbill/about.html
http://www.cybercash.com/

NetCash and NetCheque 
http://gost.isi.edu/info/netcash and
http://gost.isi.edu/info/netcheque

VeriFone
http://www.verifone.com/home.html 

Virtual PIN
http://www.fv.com/
 

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