The payment system NetBill ( www.netbill.com ) is developed by university Carnegie Mellon in the USA . Now it is in process of testing and the demo ( Alpha NetBil l) is accessible to users only.

registration Process:

To operate in system the user should:

1. to Install from a site of system the software NetBill Money Tool which will allow you to make payments and to operate the future account.
2. Then to the user it is offered to fill in the registration form into which enter (terms of an agreement, the personal information etc.). Thus it nominates the password and the identifier.
3. After filling of the form to the user the account in Mellon Bank which executes a role of the financial agent of system comes off. In a version alpha demonstration money is used ( "Bibliobucks" ) which have no actual value, cannot be transferred to cash or are used out of system. Right after opening to account of the user one thousand conditional monetary units with which help he can purchase the information goods in demonstration shops is paid.

the Software:

For realisation of payments within the limits of system NetBill the program Money Tool is used.

At its first start the user should confirm the person, having entered the password and the identifier nominated at registration.

Money Tool allows:

1. to Carry out payments. If the user wishes to make transfer with the help NetBill , it presses a corresponding icon on a Web-shop show-window. There is a dialog box Money Tool which contains the information on commercial transaction, and also buttons "purchase acknowledgement" ( Purchase ) and " cancellations " ( Cancel ) and a field "Memo" which can be filled in by the buyer (informs the forgotten user what exactly he has purchased).
2. to Operate the account in system. With the help the user can see balance of the account ( Balance ) and to the statistican on its use - the sum which it has spent for a certain interval of time ( Session Total ).

payment Process:

The user forms a basket of the order and directs its buyer. In reply to it the seller sends it the agreement signed by its digital signature (in it delivery times, the prices are indicated, goods identifiers etc.) Accepting the agreement, the buyer puts on it the digital signature and remits it back to the seller. The seller, in turn, readdresses it in bank for authorisation at which successful end the necessary sum is transferred from the account of the buyer into account the seller. If authorisation is passed unsuccessfully the buyer and the seller receive the advice with an explanation of the reasons.

Safety:

* In system the combination of cryptography with the open and symmetric key is used.
* Access to the account is protected by the password which is nominated by the user at registration and which it can change at any time.
* Only the user can get access to the information on and on the transactions conducted by it.

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