Beginning of Essay
Initially, the Internet was designed to be used by government and academic users, but now it is rapidly becoming commercialized. It has on-line "shops", even electronic "shopping malls". Customers, browsing at their computers, can view products, read description ....

Middle of Essay
.... surfers to become on-line shoppers. Electronic money will also make it easier for smaller businesses to achieve a level of automation already enjoyed by many large corporations whose Electronic Data Interchange heritage means streams of electronic bits now flow instead of cash in back-end financial processes. We need to resolve four key technology issues before consumers and merchants anoint electric money with the same real and perceived values as our tangible bills and coins. These four key areas are: Security, Authentication, Anonymity, and Divisibility. Commercial R&D departments and university labs are developing measures to address sec ....