@device(postscript) @libraryfile(Mathematics10) @libraryfile(Accents) @style(fontfamily=timesroman,fontscale=11) @pagefooting(immediate, left "@c", center "@c", right "@c") @heading(Privacy and Reliability in Internet Commerce) @heading(CMU-CS-96-198) @center(@b(Linda Jean Camp)) @center @center(FTP: CMU-CS-96-198.ps) @blankspace(1) @begin(text,spacing=1) In this work I examine the conflict between consumer privacy and data availability in electronic commerce systems designed for the Internet. In particular I focus on the relationship between anonymity and reliability. I do not include systems which require that the consumer has dedicated hardware, such as smart card based systems. I consider a subset of the policies which affect privacy in Internet commerce systems. Thus I focus not only n privacy laws but also on requirements for data availability. I focus on those system which require information from individual transactions. After this consideration I offer suggestions for possible changes in the regulation of retail transactions. I select a set of Internet commerce protocols and argue that these are representative. These protocols are: Digicash (Chaum, 1985), traceable Digicash (Chaum, 1985), MicroMint (Rivest, 1996), Secure Socket Layer (Freier, 1996), Secure Transactions Technology (Mastercard, 1996), Anonymous Credit Cards (Low, 1993), NetBill (Goradia, 1994), and First Virtual (First Virtual, 1995a). I consider these protocols based on reliability, security, privacy and regulatory fit. The selection of these systems and analysis techniques are described in Chapter 4. Finally, I introduce a certified delivery layer for the provision of the highest degree of atomicity with anonymous currency. After the discussion of regulatory fit, or how well the system provides consumer privacy and data for regulatory purposes, I consider how changes in the regulations could be made to accommodate the protocols. In order to provide a broad perspective, I close with a consideration of the regulatory proposals from three viewpoints: law enforcement, data marketers and civil libertarians. Portions of this work have appeared in (Camp, Sirbu and Tygar, 1995) and (Camp, Harkavy, Tygar and Yee, 1996). @blankspace(2line) @begin(transparent,size=10) @b(Keywords:@ )@c @end(transparent) @blankspace(1line) @end(text) @flushright(@b[(159 pages)])