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This paper describes TAPI, an offline scheme intended for gen eral Internet-based micropayments. TAPI, which extends and combines concepts from the KeyNote Microchecksand OTPCoins architectures, encodes risk management rules in bank-issued users' credentials which are in turn us ed to acquire small- valued payment tokens. The scheme has very low transaction overhead and can be tuned to use different risk strategies for different envi ronments and clients.

TAPI: Transactions for Accessing Public Infrastructure