A generalized wallet architecture
Authors: N. Daswani, D. Boneh, H. Garcia-Molina, S. Ketchpel, and A. Paepcke
Abstract:
Most existing digital wallet implementations support a single or a
limited set of proprietary financial instruments and protocols for
electronic commerce transactions, preventing a user from having one
consolidated digital wallet to manage all of his or her financial
instruments. Commercial efforts to implement extensible digital
wallets that are capable of inter-operating with multiple instruments
and protocols are a step in the right direction, but these wallets
have other limitations. In this paper, we propose a new digital
wallet architecture that is extensible (can support multiple existing
and newly developed instruments and protocols), symmetric (has common
instrument management and protocol management interfaces across
end-user, vendor, and bank applications), non-web-centric (can be
implemented in non-web environments), and client-driven (the user
initiates all operations, including wallet invocation).
Reference:
In proceedings of the 3rd USENIX Workshop on Electronic Commerce, 1998
Full paper: gzipped-PostScript [first posted 6/1999 ]