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The focus of this paper is on the integration of payment systems into B2C Internet commerce. Currently there are hardly any payment systems that are truly integrated in online shopping of physical and digital goods or services. The paper models the whole transaction process, addresses the merchant's and the customer's point of view, provides a picture of payment relevant B2C standards, and discusses standardisation problems. Major findings are summarised in the light of potential policy relevance.

Background Paper No. 8
Electronic Payment Systems Observatory (ePSO)

The full text of this paper is available online at:

Additional information

Authors: BÖHLE K, European Commission, Joint Research Centre, Institute for Prospective Technological Studies, Seville (ES)
Bibliographic Reference: EUR 20277 EN (2002), pp.53. Free of charge
Availability: Available from European Commission, JRC Knowledge Management Unit, Ispra (IT) Tel: +39 033278 9843 or +39 033278 9864 Fax: +39 033278 9623 E-mail:
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