simple certified e-check with a partial pki solution
In this paper, we propose a simple certified e-check scheme. It is simple because no full PKI setup is needed by the e-check users. Additionally, it provides privacy and flexibility that are not in the current certified e-check scheme. Furthermore, it can be easily implemented on top of the existing Internet banking systems without additional cost. With this simple solution, we hope that the e-check will gain wide acceptance among the general population.
certified e-check e-check pki