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Anonymity in Electronic Commerce Yiannis Tsiounis GTE Laboratories, Inc.

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Presentation on theme: "Anonymity in Electronic Commerce Yiannis Tsiounis GTE Laboratories, Inc."— Presentation transcript:

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2 Anonymity in Electronic Commerce Yiannis Tsiounis GTE Laboratories, Inc.

3 Electronic Commerce Advertising, Information exchange, SalesAdvertising, Information exchange, Sales –Purpose: Reduced Cost InfrastructureInfrastructure –Electronic Access (WWW, Cellular Systems, Telephone Network) –Controlled Access (Digital certificates, Shared-key authentication) Procurement methods (Electronic Payments)Procurement methods (Electronic Payments)

4 GTE Laboratories, Inc. Electronic Payments Account-based systems Funds are transferred from the buyer to the merchantAccount-based systems Funds are transferred from the buyer to the merchant –Credit & Debit cards –Electronic checks –Phone bills (wire-line & cellular), Loyalty programs Token-based systems Funds remain with the Issuer until claimed by the merchantToken-based systems Funds remain with the Issuer until claimed by the merchant –Subway tokens –Cash-cards, Electronic cash

5 GTE Laboratories, Inc. Properties EfficiencyEfficiency –Computation & Comm. costs –Off-line operation SecuritySecurity –No fraudulent purchases –Non-repudiation Ease of use and implementationEase of use and implementation Goal Reduced setup and operational costs

6 GTE Laboratories, Inc. Features Security guaranteesSecurity guarantees –Insurance (e.g., FDIC) –Limited cost for loss/theft AppearanceAppearance AnonymityAnonymity Goal Marketability

7 GTE Laboratories, Inc. “Anonymity”: what’s in a word? Secrecy ofSecrecy of –Payment data (credit card #, e-cash #, etc) –Payment information (goods sold) –Customer information (identity, personal info) FromFrom –Outsiders –Merchants –Issuer –All parties

8 GTE Laboratories, Inc. Why? SecuritySecurity –Lower operation costs –Easier public acceptance PrivacyPrivacy –Marketability –Smooth migration from cash What’s the magic word? Cost – Depends mainly on the parties covered

9 GTE Laboratories, Inc. Step 1 (Secrecy from outsiders) Public/Private key encryptionPublic/Private key encryption –Key management Can be designed independentlyCan be designed independently –Netscape SSL/Cybertrust, Verisign, etc. –iWinpack (using PGP mail) –First Virtual Easy migrationEasy migration

10 GTE Laboratories, Inc. Securing the shops Encryption from customer to IssuerEncryption from customer to Issuer –Minimal key management Requires a unified solutionRequires a unified solution –SET –Mondex Limits merchant fraudLimits merchant fraud Some privacySome privacy

11 GTE Laboratories, Inc. Decoupling the Issuer More costly solutions, depending onMore costly solutions, depending on –On/Off-line operation, and –Level of anonymity (unlinkability) Tracing required for large applicationsTracing required for large applications –Due to legislation –Some additional encryption needed

12 GTE Laboratories, Inc. From simple to complex Pre-paid cards (phone cards, cash-cards)Pre-paid cards (phone cards, cash-cards) –Anonymity: Distribution method –Physical distribution implies high cost –Tracing requires additional communication E-cash (e.g., DigiCash)E-cash (e.g., DigiCash) –Anonymity: Cryptographic blinding –Computational costs –Exact payments diminish anonymity or require more intensive computation

13 GTE Laboratories, Inc. What do we buy? PrivacyPrivacy –Customer’s awareness –Competition (need for differentiation) –Application Security must be guaranteed

14 GTE Laboratories, Inc. References


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