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This paper presents guidelines for development of a secure national network for electronic funds transfer. Six security principles are developed. These principles, together with certain important networking notions, are utilized to evolve a system level design of a secure localized system for electronic funds transfer. This design is then further defined in order to address the various problems involved when local systems are linked to form a national network. It is concluded that national standards are needed in order to prevent proliferation of incompatible local systems.

A secure, national system for electronic funds transfer