Who should attend: Those wishing to sell information, services, and other products over the Internet will walk away with a better understanding of how they can receive payment from network users. Participants from financial institutions will learn how their organizations can play a role in network commerce. Software developers will learn the steps in designing protocols and software which take advantage of network payment systems.

This tutorial will cover several alternatives for payment on the Internet including secure presentation of credit card numbers, electronic currency, and credit-debit systems. The situations for which each approach is best suited, and the predominant examples of each approach, will be described. The flow of funds through the system will be detailed for each model, and the role of banks and other financial intermediaries discussed. Security issues and fraud prevention will be stressed, including who incurs risk from fraud and failure to pay, and which parties need to be trusted.

Topics include:

	Security of different payment systems
	Steps needed for integration of these payment systems with network applications
	Changes needed to web servers and to web browsers, if any
	Transaction charges and means of profit for financial intermediaries
	Evolving standards
	Approaches to integration with other network applications
	The need for more standardization at the application/payment service interface