41.   Microsoft Corp. also is developing a plan for an electronic cash card embedded with a microchip to make electronic payments.

42.   Microsoft plans to use its on-line service, Microsoft Network, as a pipeline for electronic payments between bank accounts.

43.   Mondex competes with traditional bank and charge cards for a share of the electronic payment market.

44.   Moreover, the banks think that electronic payments can lower their cost of processing checks.

45.   Only about half of electronic payments are actually transmitted to recipients electronically.

46.   Other current m-commerce applications include electronic payment.

47.   Previous pizza transactions on the Internet, notably by Pizza Hut, allowed for ordering and the selection of toppings, but did not include provisions for electronic payment.

48.   Similarly, doctors can arrange electronic payments directly from insurers.

49.   Some small businesses may prefer electronic payments, while others may find them unwieldy.

50.   Such universal registration is probably a few years away, said Scott Duweke, marketing manager for electronic payments and certification at International Business Machines Corp.