CONTENTS - Emerald

041151 `Doing it the Pick 'nPayway'
R Martin, Cards International (12/12/94) p11
South Africa's largest retailer has set up its own debit card system in order to
collect transaction fees previously paid to the banks. They are concerned that a new
smartcard scheme may enable the banks to regain control.
041152 `Concept of an electronic retail payment system with distributed
control'
T Matsumoto, JW-ISC 95 pp 24{33
This article introduces an electronic retail payment system to provide exible and
e cient funds transfers, while maintaining security, reliability and anonymity. Funds
are located on cards, and can be transferred to other cards via intelligent terminals,
which periodically sent audit information to the banks.
041153 `On interactive human identi cation scheme'
T Matsumoto, R Mizutani, JW-ISC 95 pp 1{4
The authors report on a question-answer password identi cation scheme, and discuss
its resistance against attack.
041154 `Attack of the hackers'
H McKenzie, Banking Technology (Mar 95) p 20
PBX and other telephone toll fraud is growing rapidly, especially in the USA and
is estimated to cost phone companies $500m a year. It is now dominated by organised
crime, and insurance can be bought tocover it .
041155 `Network if you can get it'
M Meredith, Scottish Banker (Feb 95) pp 3{5
This article provides a bankers' perspective of the opportunities and threats of the
Internet. There is a shortage of commercial credibility, which banks can help to x.
041156 `Multi-user quantum cryptography'
Y Mu, YL Zheng, Y Lin, ISITA 94 pp 245{250
The authors extend Bennett-Brassard's key distribution protocol to multi-user
cryptography. Two basic con gurations of communication channel, the so-called fanshaped
and series con gurations, are considered; it is shown that many other con gurations
can be obtained from them, and that the systems are secure against intercept/resend
attack.
041157 `Countering the counterfeiters'
J Newton, Cards International (21/12/94) p12
Card fraud is endemic in China; counterfeiters felt safe from arrest until a joint
China/Hong Kong initiative inMay 94. Since then, counterfeit card factories have been
raided in Beijing and Shantou; these had been using legitimate VISA and Mastercard
holograms which the manufacturers had apparently been duped into supplying. However,
there are probably over 100 hologram makers in China with the skills to produce
passable forgeries.
041158 `Close to the nerve'
M Norton, Banking Technology (Dec 94/Jan 95) pp 29{31
Fraud cost VISA $655m worldwide last year, or 0.2% of turnover, at which rate it
has been constant for some time. The organisation has run successful trials of neural
network technology which tries to identify out-of-pattern transactions, and has also
supplied 300 terminals to let US immigration o cers check the validity of cards found
on suspects.
041159 `Software glitch leads to crime by ATM gang'
M Norton, Banking Technology (Mar 95) p 5
Thieves in Oregon stole $364,770 by making 724 ATM withdrawals over 54 hours
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