The following is the bibliography of the reference list in BibTex format.
@unpublished{Bellare95:commerce-protocol
	author 	=	"Bellare, Juan A. Garay, Ralf Hauser, Amir Herzberg, Hugo Krawczyk, Michael Steiner, Gene Tsudik, Michael Waidner",
	title	=	"iKP -- A Family of Secure Electronic Payment Protocols",
	year	=	1995,
	month	=	"May",
	organization = 	"IBM T.J. Watson Research Centre and IBM Zürich Research Lab",
	source	=	"ftp://ana.lcs.mit.edu/pub/snpp/snpp-paper.ps">

@inproceedings{sirbu95:commerce-protocol,
	author	=	"Marvin Sirbu, J. D. Tygar",
	title	=	"NetBill: An Internet Commerce System Optimized for Network Delivered Services",
	booktitle =	"IEEE COMPCON",
	year	=	1995,
	month	=	"March",
	source	=	"http://www.ini.cmu.edu/netbill/CompCon.html">
}

@inproceedings{Giff95:commerce-protocol
	author 	=	"David K. Gifford, Lawrence C. Stewart, Andrew C. Payne, and G. Winfield Treese",
	title	=	"Payment Switches for Open Networks",
	booktitle = 	"IEEE COMPCON '95",
	year	=	1995,
	source	=	"http://www.openmarket.com/about/technical/compcon95.ps">
}


@inproceedings{Duk95:commerce-protocol
	author 	=	"Semyon Dukach",
	title	=	"SNPP: A Simple Network Payment Protocol",
	booktitle = 	"Computer Security Applications Conference,1992.",
	year	=	1992,
	source	=	"ftp://ana.lcs.mit.edu/pub/snpp/snpp-paper.ps">
}


@inproceedings{Neum95:commerce-protocol
	author 	=	"B. Clifford Neuman and Gennady Medvinsky",
	title	=	"Requirements for Network Payment: The NetCheque Perspective",
	booktitle = 	"IEEE COMPCON '95",
	year	=	1995,
	source	=	"ftp://prospero.isi.edu/pub/papers/security/netcheque-requirements-compcon95.ps">
}

@inproceedings{Med93:commerce-protocol
	author 	=	"Gennady Medvinsky, B. Clifford Neuman",
	title	=	"NetCash: A design for practical electronic urrency on the Internet",
	booktitle = 	"Proceedings of 1st the ACM Conference on Computer and Communication Security November 1993",
	year	=	1993,
	month	=	"November",
	source	=	"ftp://prospero.isi.edu/pub/papers/security/netcash-cccs93.ps">



@aticle{Med94:commerce-protocol
	author 	=	"Gennady Medvinsky, B. Clifford Neuman",
	title	=	"Electronic Currency for the Internet",
	journal = 	"Connexions",
	year	=	1994,
	month	=	"June",
	volume	= 	8
	series	=	6
	pages	=	19--23
	source	=	"ftp://prospero.isi.edu/pub/papers/security/netcash-em-a4.ps">

@unpublished{Krist94:commerce-protocol
	author	=	"Kristol, Low, Maxemchuk",
	title	=	"Anonymous Internet Mercantile Protocol.",
	note	=	"AT&T Bell Laboratories, Murray Hill, New Jersey 07974",
	month	=	"March",
	year	= 	1994,
	source	= 	"ftp://ftp.research.att.com/dist/anoncc/accinet.ps.Z">,
}


@manual{Sirbu95:commerce-protocol,
	author	=	"Sirbu, Tygar, Wagner, Cox, Liu, Simpson, Wang, Tang",
	title	=	"The NetBill Precommercial Trial",
	organizaton =	"Information Networking Institute, CMU",
	year	=	1995,
	month	=	"March",
	note	=	"DRAFT: Do not distribute"
}


@unpublished{Stein95:commerce-protocol,
	author	=	"Stein, Stefferud, Borenstein, Rose",
	title	=	"The Green Commerce Model",
	note	=	"Memo",
	year	=	1995,
	month	=	"May",
	source	=	"http://www.fv.com/tech/green-model.html">
}
 

@unpublished{maxem95:commerce-protocol,
	author	=	"Maxemchuk, Low",
	title	=	"The Use of Communications Networks to Increase Personal Privacy",
	note	=	"AT&T Bell Laboratories, Murray Hill, New Jersey 07974",
	source ="ftp://ftp.research.att.com/dist/anoncc/privacy.ps.Z">	
}

@inproceedings{boly94:commerce-protocol,
	author 	=	"Jean-Paul Boly, Antoon Bosselaers, Ronald Cramer, Rolf Michelsen, Stig Mjĝlsnes, Frank Muller, Torben Pedersen, Birgit Pfitzmann, Peter de Rooij, Berry Schoenmakers, Matthias Schunter, Luc Vallée, Michael Waidner",
	title	=	"The ESPRIT Project CAFE - High Security Digital Payment Systems",
	booktitle = 	"ESORICS 94 (Third European Symposium on Research in Computer Security),
	year	=	1994,
	address	=	"Brighton, LNCS 875, Springer-Verlag, Berlin",
	pages	=	217--230,
	source	=	"http://www.zurich.ibm.ch/Technology/Security/sirene/lit/abstr94.html#BBCM1_94">
}