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Putting up a Web site to promote and display products, and then luring online shoppers in to look around at the offerings, however, is only one dimension of conducting business via the Internet. To realize the true potential of electronic commerce, an effective method of receiving payment for products sold or delivered through the Internet is a necessity. Developing and implementing effective and simple “cyber payment” methods is a major focus of current Internet-related research. While it is currently possible to make purchases over the Internet, this form of commerce has got yet gained sufficient popularity to deem it a significant factor in foreign trade. Still, it does have potential.">