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C: Bátiz-Lazo, Bernardo. "Emergence and evolution of ATM networks in the UK, 1967-2000." Business history 51.1 (2009):1-27.

[|http://sfx.scholarsportal.info/toronto?sid=CSA:bhi-set-c&pid=%3CAN%3E00582851%3C%2FAN%3E%26%3CPB%3ETaylor%20%26%20Francis%20Group%20Ltd%3C%2FPB%3E%26%3CPY%3E2009%3C%2FPY%3E%26%3CAU%3EB%C3%A1tiz-Lazo%2C%20Bernardo%3C%2FAU%3E&id=doi%3A10.1080%2F00076790802602164&issn=0007-6791&volume=51&issue=1&spage=1&epage=27&date=2009-01&genre=article&aulast=B%C3%A1tiz-Lazo&aufirst=Bernardo&title=Business%20History&atitle=Emergence%20and%20evolution%20of%20ATM%20networks%20in%20the%20UK%2C%201967-2000].

Patel, K.. "How mobile technology is changing banking's future. " //Advertising Age// 21 Sep. 2009: ABI/INFORM Global, ProQuest. Web. 16 Mar. 2010.

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Works Cited Grannan, Philip. "Automating child support collection." //American City & County// 112.2 (1997): 8. //Corporate ResourceNet//. EBSCO. Web. 16 Mar. 2010. []

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http://portal.acm.org/citation.cfm?id=359576.359580**
 * Value conflicts and social choice in electronic funds transfer system developments

http://portal.acm.org/citation.cfm?id=228512**
 * Money in electronic commerce****: digital cash, electronic fund transfer, and Ecash

=Security system for electronic funds transfer system= Carl M. Campbell http://www.google.ca/patents?hl=en&lr=&vid=USPAT4408203&id=4CowAAAAEBAJ&oi=fnd&dq=%E2%80%A2%09Electronic+Funds+Transfer+Systems&printsec=abstract#v=onepage&q=%E2%80%A2%09Electronic%20Funds%20Transfer%20Systems&f=false =Funds transfer system using optically coupled, portable modules= William M. Benton http://www.google.ca/patents?hl=en&lr=&vid=USPAT4454414&id=xKM8AAAAEBAJ&oi=fnd&dq=%E2%80%A2%09Electronic+Funds+Transfer+Systems&printsec=abstract#v=onepage&q=%E2%80%A2%09Electronic%20Funds%20Transfer%20Systems&f=false

=Funds transfer system= Andre P. Mansvelt et al

http://www.google.ca/patents?hl=en&lr=&vid=USPAT5175416&id=ZlAnAAAAEBAJ&oi=fnd&dq=Electronic+Funds+Transfer+Systems&printsec=abstract#v=onepage&q=Electronic%20Funds%20Transfer%20Systems&f=false

P: A method of transferring funds includes the steps of linking a first " smart card" to a first financial institution, debiting an account held at the financial institution and recording a corresponding credit value in the first smart card. The first smart card is then linked to a second, similar device. The second device is then linked to a second financial in []
 * **Data management in Electronic Funds Transfer Systems** ||

Sanchez-Arroyo, Abdon. "The Mexican Payment and Settlement System: The Quality and Quantity Leaps Ahead." North American journal of economics and finance 7.2 (1996):171-79.

Gentry, Connie R. "Cashing in on E-Transfers." Chain Store Age 82.4 (2006):60.

Bankston, Karen. "IN FULL SWING." Credit Union Management 28.2 (2005):50.

J:

R: USED BY ME!


 * Flemming, T., & Logan, P. (2008).** //**Electronic Fund Transfer System (EFTS).**// **Hamilton: Capital Health.**


 * Sumanjeet, S. (2009). Emergence of Payment Systems in the Age of Electronic Commerce: The State of Art.** //**Global Journal of International Business Research**// **.**


 * Panurach, P. (1996). Money in electronic commerce: digital cash, electronic fund transfer, and ecash. //Communications of the ACM//, 45-50. **


 * Ho, S., & Ng, V. (1994). Customers' risk perceptions of electronic payment systems. //International Journal of Bank Marketing//, 26-38. **

=**Electronic funds transfer system with means for verifying a personal ... Gentry, Connie R. "Cashing in on E-Transfers." Chain Store Age 82.4 (2006):60. **=

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Gilbert R. Deming
[] =Value conflicts and social choice in electronic funds transfer system developmentsRob Kling= Rob Kling

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=Electronic funds transfer instruments= John Doggett et al

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