The Worldwide Web is exploding because sellers around the world are rushing to offer their goods online. But the sales won't materialize until buyers feel comfortable about the process, and today, few of them do. Ask anyone on the street about shopping on the Internet and you won't have to wait long before the issue of security comes up. With news of the Netcom security breach fresh in their minds, typical buyers are holding off on the assumption that hackers across the world are sitting beside their PCs just waiting for credit card numbers to come dancing down the Net, or that they're working through the wee hours cracking into servers that store card numbers by the thousands.

Security is a problem on the net, but it's just as much a perception problem as it is a technical problem, if not more so. Secure server software is here today, and proxy-based payment systems like First Virtual's have been around for months already. Most major...

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