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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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Digital Money and Electronic Payment Schemes. http://fiddle.visc.vt.edu/courses/ee4984/Projects1995/harltran.html
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