1. Background
1.1 A Universal Digital Wallet

Sun Microsystems has proposed a system known as the Java Wallet which is part of the Java Electronic Commerce Framework (JECF).   The JECF is based on a concept that users can install cassettes,which are digitally signed (thus trusted and secure) containers of JavaBeans that support electronic commerce [JavaBus99].

A research team at Stanford University has also proposed an architecture called SWAPEROO (Simple Wallet Architecture for Payments, Exchanges, Refunds, and Other Operation), which is similar in design to the Java Wallet, but provides some additional measures they felt a consumer would be interested in.  [Daswani99].

The system proposed here is based upon a combination of the above two methods.  In this paper I look at implementation of an e-wallet using the Active Index System (AIS).  Specifically, I will establish a standard e-wallet based on the above methods, then examine each of them from a design perspective using the AIS.  This examination will look at each component and establish the capabilities of the AIS, as well as determining the extensions required to support the implementation.