My inquiries regarding Rich's post of the X.9 informal notes were rather fruitful. The chair of the working group seems interesting in including anonymous token-based payment systems in the standard, "I see no reason, other than interest, for the group to avoid non-account-based payment systems, to complement the account-based payment systems that we are now in the process of standardizing." Someone from Citicorp pointed me to http://www.llnl.gov/fstc and asked for my feedback. These people do seem interested in anonymous systems, they just don't have anyone who knows the stuff to work on it. -- sameer Voice: 510-601-9777 Community ConneXion FAX: 510-601-9734 The Internet Privacy Provider Dialin: 510-658-6376 http://www.c2.org/ (or login as "guest") sameer@c2.org