Article Title

A Secure Payment Protocol


Mark Cummins


iBank is a business model and a set of protocols allowing customers to pay owners and retailers of information. This paper outlines this new electronic commerce mechanism specifically designed for micro-payments. The iBank scheme employs a proof of transaction but is unique in the way the payment commitment is distributed. The remainder of this paper explains in detail the full payment protocol that has developed; this includes all aspects of the protocol, including how the protocol handles disputes.

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