First published in 2014, this paper describes a system of online payment to address the commercial niche occupied by PayPal and similar systems. It is reasonably well written and clearly illustrated, although it suffers from inadequate proofreading and doubtful accuracy about its competitors’ products.

The authors are two intellectuals, one from a regional university in Australia and one from a private training establishment in New Zealand.

The paper describes a new system for accepting payments from customers and forwarding them to businesses. The system seems to exist only in the lab at the time of writing the paper. The description is clear, although some errors of spelling and grammar are distracting. The diagrams are clear and appropriate. Some statements in the paper are of questionable accuracy. For example, only three countries are listed as having PayPal available, but the PayPal website (cited as reference 19 in the paper) gives 203 countries and 26 currencies. Among the 200 extra countries are New Zealand and China.

The proposed purchase and payment workflow is detailed in the paper. Merchants may not find the process as attractive as the payment workflows in existing products.

The existing body of knowledge on which this paper is based is detailed clearly. The academic convention of referencing is used throughout. Tables and diagrams are clear and appropriate.

In summary, this paper is recommended reading for those with an interest in e-commerce, including IT professionals and Internet merchants.