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The widespread demand for online privacy, also fueled by widely-publicized demonstrations of session hijacking attacks against popular websites, has spearheaded the increasing deployment of HTTPS. However, many websites still avoid ubiquitous encryption due to performance or compatibility issues. The prevailing approach in these cases is to force critical functionality and sensitive data access over...
This paper describes TAPI, an offline scheme intended for general Internet-based micropayments. TAPI, which extends and combines concepts from the KeyNote Microchecks and OTPCoins architectures, encodes risk management rules in bank-issued users’ credentials which are in turn used to acquire small-valued payment tokens. The scheme has very low transaction overhead and can be tuned to use different...
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