DTI & Scottish Enterprise. Electronic Payment Methods. 21 June 2004. http://www.electronic- payments.co.uk/epayment_index.jsp
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Havinga, Paul J. M., Smit, Gerard J. M and Helme, Arne. Survey of Electronic Payment Methods and Systems. 22 June 2004. http://wwwhome.cs.utwente.nl/~havinga/papers/e- money.pdf
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DTI & Scottish Enterprise. Electronic Payments and Ecommerce Benefits. 21 June 2004. http://www.electronic-payments.co.uk/benefits_index.jsp
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Miller, J. (2004). Electronic Payment Systems Transfer: Money Safely and Securely. ACH Processing, Info Search Media. http://ach.articleinsider.com/155060_electronic_payment_systems.html
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Hu, Wen-Chen, Chung-wei Lee, and Weidong Kou. "Advances in Security and Payment Methods for Mobile Commerce." 17 April 2004. 30 May 2005. <http://www.idea-group.com/books/additional.asp?id=4507&title=Preface&col=preface>.
Secure Mobile Payment Service
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