@article{oai:shudo-u.repo.nii.ac.jp:00000225, author = {Austenfeld Jr.Robert B. and Austenfeld Jr.Robert B.}, issue = {1}, journal = {修道商学}, month = {Sep}, note = {P(論文)}, pages = {21--44}, title = {Electronic Payment Systems}, volume = {39}, year = {1998} }