The architecture defined below is designed to meet the following requirements:

• Secure--All transactions must ensure that information is secure
• Flexible--The components of the wallet must be both scalable and modifiable.
• Portable--The e-wallet must be accessible from any platform, including PCs, PDAs, or even devices such as Smart Cards.
• Client Driven--An action must not take place unless the user desires an action.

Details on additional possible requirements or methods can be found in [JWA98],  [JCB98], [JCM99], [JGM98], and [Daswani99].

Component architecture: