21.   Cybercash, based in Reston, Va., is one of several companies hoping to establish a standard for electronic payments over the Internet.

22.   Electronic payment transactions could compromise privacy, Greenspan said.

23.   Electronic payments are handled by a clearinghouse system that processes the data in batches.

24.   Entrepeneurs, if government does not interfere, will likely be able to overcome the potential drawbacks to privacy of advances such as electronic payment transactions, he said.

25.   Earlier this year HP acquired Verifone, a leader in secure electronic payment technology.

26.   Electronic Data Systems is a major processor of bank and other electronic payments.

27.   He got Schwab out of the electronic payments business, a service that Quicken has found enormously lucrative.

28.   He has experience in electronic payment systems.

29.   He says he is healthier and happier now, working for an electronic payments business called First Virtual Holdings.

30.   I could complete transactions immediately, authorize electronic payment, then sit back and wait for the packages to arrive in the mail.