Peter Wayner adds;

Real bankers may be well ahead of everyone on this list. I'm told that Citibank has some very intriguing work pending at the patent office. It's for digital cash.

-Peter Wayner

Ameritech/Citibank is running a home banking system right now. You can buy a display phone that accepts a Citibank smartcard and gives you complete access to your accounts, it functions just like an ATM, except you can't currently deposit and withdraw. Digicash is rumoured to be forthcomming. Also as part of the startup, the white pages are available. The phones are made by Philips, I'm still trying to track down the exact nature of the smart cards encryption, although I was told it was "Standard bank encryption." I was in charge of installation for this project. I'll keep everyone informed. Brian Williams Extropian Cypherpatriot "Cryptocosmology: Sufficently advanced communication is indistinguishable from noise." --Steve Witham "Have you ever had your phones tapped by the government? YOU WILL and the company that'll bring it to you.... AT&T" --James Speth