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SWAPEROO: A Simple Wallet Architecture for Payments, Exchanges, Refunds, and Other Operations
Neil Daswani, Dan Boneh, Hector Garcia-Molina, Steven Ketchpel, and Andreas Paepcke, Stanford University
Most existing digital wallet implementations support a single or a limited set of proprietary financial instruments and protocols for electronic commerce transactions, preventing a user from having one consolidated digital wallet to manage all of his or her financial instruments. Commercial efforts to implement extensible digital wallets that are capable of inter-operating with multiple instruments and protocols are a step in the right direction, but these wallets have other limitations. In this paper, we propose a new digital wallet architecture that is extensible (can support multiple existing and newly developed instruments and protocols), symmetric (has common instrument management and protocol management interfaces across end-user, vendor, and bank applications), non-web-centric (can be implemented in non-web environments), and client-driven (the user initiates all operations, including wallet invocation).
author = {Neil Daswani and Dan Boneh and Hector Garcia-Molina and Steven Ketchpel and Andreas Paepcke},
title = {{SWAPEROO}: A Simple Wallet Architecture for Payments, Exchanges, Refunds, and Other Operations},
booktitle = {3rd USENIX Workshop on Electronic Commerce (EC 98)},
year = {1998},
address = {Boston, MA},
url = {https://www.usenix.org/conference/3rd-usenix-workshop-electronic-commerce/swaperoo-simple-wallet-architecture-payments},
publisher = {USENIX Association},
month = aug
}