& of course there is an ANSI Financial Standards body (X9) which is also chair of the ISO Financial Standards group. The electronic commerce payments working group (X9A10) has a draft standard for all electronic retail payments (debit, credit, pre-paid, electronic cash, etc) .. X9.59. misc. ref http://www.x9.org/ http://www.x9.org/main_organization.html http://www.x9.org/subcomms/x9a/general/public/general.html http://www.tc68.org/ http://www.x9.org/n20.html http://www.garlic.com/~lynn/ http://www.garlic.com/~lynn/99.html#224 http://www.garlic.com/~lynn/8583flow.htm http://www.garlic.com/~lynn/draft-wheeler-ipki-aads-01.txt & of course my rfc index is also at: http://www.garlic.com/~lynn/rfcietff.htm as well as ietf, payments, security, X9F, and financial glossaries