Here is a fragment of html that points to several online money or payment systems. The first two, SEPP & STT, are the two credit card protocols from the previously competing camps and out of which the new standard, SET, is supposed to emerge. STT and SEPP are vague in different ways. Perhaps their offspring will be more completely specified. They both hide the credit card number from the merchant. I would be pleased to receive further such URLs. <H3>Money Protocols</H3> SEPP; STT; NetBill Cybercash, and Ecash. Mondex First Virtual, <a href="http://www.w3.org/pub/Conferences/WWW4/Papers/246/">The Millicent Protocol for Inexpensive Electronic Commerce</a>; <A HREF="http://netmarket.com/nm/pages/account/sid=kcBEtk230F">NetMarket</A> Mark Twain Bank <P>