Proceedings

• iKP (Internet Keyed Payments Protocol) – it was developed by IBM, the
Research Center T.J.Watson in collaboration with Zurich Research
Laboratory; is a protocol based on public key to making payments on the
Internet, involving at least three parties.
• Secure Courier – it was proposed by Netscape, to create a secure electronic
commerce on the Internet. It wants to be a protocol for the next level of SSL.
• OPT (Open Trading Protocol)- it was created in 1997 by the consortium of
28 companies (IBM, Oracle, Sun Microsystems, Netscape, Nokia, HP, AT &
T, Fujitsu, etc..) to create a trade on network completely unprotected;
• SNPP (Simple Network Payment Protocol)- it was proposed by M.I.T.,
Laboratory of Computer Science, in 1992;
• IBS (Internet Billing Protocol)- it was developed by Carnegie Mellon
University in 1994; is inserted into SET; first variant of this protocol is based
on Kerberos, using a private key and batch invoices to ensure services both
traders and buyers.
• JEPI (Joint Electronic Payment Initiative) – it was developed by W3C and
CommerceNet
• EMV – it was developed by EuroPay and use the chips technology on credit /
debit cards;
• E-Check (Electronic Checkbook)- working on a SmartCard of FSTC –USA
(Financial Services and Technology Consortium);
• SEPP (Secure Electronic Payment Protocol) – accepted by MasterCard, IBM
and Netscape;
• STT (Secure Transaction Technology) – developed by Visa and Microsoft;
• TLS (Transport Layer Security) – it’s a secure protocol for simple task, who’s
coding information on credit cards, sent to the Web and ensure that
transactions are not intercepted by a third party. It is developed by IETF
(Internet Engineering Task Force) and is similar to SSL (Secure Socket Layer
of Netscape). It is an open protocol, high level, which allows the addition of
new technologies for authentication and encoding / decoding;
• P3P (Platform for Privacy Preferences) – developed by W3C and provide a
platform for online transaction, allowing different preferences, the cultural
norms and environments to various legislative;
• OPS (Open Profile Standard) – it’s a complement of P3P and provides a
secure storage of user profile information. Ensure the protection of individual
data and the exchange of data on-line and may establish specific consumer
marketing environment.
2. THE MOST IMPORTANT E-COMMERCE PROTOCOLS
The e-commerce community can choose from a wide range of protocols when
designing new applications, but SET distinguishes as the most popular. Companies
such as Hitachi, IBM and VeriSign are currently testing SET-based products (for
example, Microsoft Wallet). Some security experts feel that, for various reasons, SET
will never gain widespread acceptance. Whether it does or not, we can be certain that
new e-commerce protocols will be developed. Unlike SSL, they will not require the
customer to trust the merchant. These new protocols will probably share much of
SET's architecture.
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