2. © Grimm GMD 1 Electronic Commerce Uwe Muster Hamburg TNC 98 Terena Networking Conference Dresden, 5 October 1998 Dr. Rüdiger Grimm Institut für Telekooperationstechnik GMD Darmstadt

3. © Grimm GMD 2 From Fun to the Real Stuff 1980-1990: connectivity

4. © Grimm GMD 3 From Fun to the Real Stuff 1980-1990: connectivity 1990-2000: multimedia

5. © Grimm GMD 4 From Fun to the Real Stuff 1980-1990: connectivity 1990-2000: multimedia 2000............:really private, really serious

6. © Grimm GMD 5 The Network Contains Value Commercial value: KNOWLEDGE, SERVICES, OBLIGATIONS

7. © Grimm GMD 6 The Network Contains Value Commercial value: KNOWLEDGE, SERVICES, OBLIGATIONS Private value:SELF-DETERMINATION, FREEDOM

8. © Grimm GMD 7 The Network Contains Value Commercial value: KNOWLEDGE, SERVICES, OBLIGATIONS Private value:SELF-DETERMINATION, FREEDOM Social value:COOPERATION

9. © Grimm GMD 8 Marketplace open spontaneous

10. © Grimm GMD 9 Marketplace open spontaneous binding

11. © Grimm GMD 10 Electronic Marketplace... local

12. © Grimm GMD 11 Electronic Marketplace... local global

13. © Grimm GMD 12... Electronic Marketplace material: substance, atoms

14. © Grimm GMD 13... Electronic Marketplace material:immaterial: substance, atomsknowledge, bits

15. © Grimm GMD 14 Electronic Commerce Technology Email World-Wide Web

16. © Grimm GMD 15 Electronic Commerce Technology Vertrag zwischen der Hochbau AG und der Tiefbau AG zum gemeinsamen Ausbau eines unterkellerten Hochahuses in der Frankfurter Innenstadt Email World-Wide Web Digital Signature

17. © Grimm GMD 16 Electronic Commerce Technology Vertrag zwischen der Hochbau AG und der Tiefbau AG zum gemeinsamen Ausbau eines unterkellerten Hochahuses in der Frankfurter Innenstadt Email World-Wide Web Digital Signature Electronic Payment Systems

18. © Grimm GMD 17 Electronic Commerce Technology Vertrag zwischen der Hochbau AG und der Tiefbau AG zum gemeinsamen Ausbau eines unterkellerten Hochahuses in der Frankfurter Innenstadt Email World-Wide Web Digital Signature Electronic Payment Systems Smartcard Applications

19. © Grimm GMD 18 Exchange Value How does value (money) look like on the net? Value: goods, services, knowledge, obligations,......money... Risk distribution? buyers, sellers, credit card orgs, banks, traders, catalogue providers, network providers, notaries,.... Fair exchange: money or good first?

20. © Grimm GMD 19 (Digital) Money Appearing as......banks obligation (cash): bank signs... buyers obligation (cheque): buyer signs, bank clears... third partys obligation (draft, letter of credit): issuer signs, bank clears... credit (credit card): buyer signs, credit org authorizes, bank clears

21. © Grimm GMD 20 Card Money at Point of Sale

22. © Grimm GMD 21 Electronic Payment Methods Smartcard-based Mondex, GeldKarte,... Internet CyberCash, Ecash, SET Micropayment Millicent (Digital), Minipay (IBM) Homebanking OFX (Microsoft +), Gold (IBM + banks), HBCI (De) Billing TOB (T-Online),...

23. © Grimm GMD 22 Business Context Initiatives SEMPER (ACTS)Marketplace Architecture E2S, Mulitplecx (Esprit) B2B Complex Business SuperSET (IBM) OBIOpen Buying on the Internet (huge...) OTPOpen Trading Protocol AT&T, HP, Mastercard, Mondex, OpenMarket, BT, Cybercash, Digicash, IBM, Oracle, Sun, WellsFargo, Verifone (incl. JEPI) JEPI (W3C)Joint Electronic Payment Initiative

24. © Grimm GMD 23 Outlook Interworking Tele Infrastructures: Money, Security, Context Integrated Business Contexts (BOPDD) More Customer Friendliness Smartcards for Security and Applications Autonomy of Business Partners Electronic Signature Regulations Free Encryption

25. © Grimm GMD 24 Outlook Interworking Tele Infrastructures: Money, Security, Context Integrated Business Contexts (BOPDD) More Customer Friendliness Smartcards for Security and Applications Autonomy of Business Partners Electronic Signature Regulations Free Encryption 1998, 1999, 2000... Real Applications, Real Value