The fastest way to deliver an extensible financial application, a financial service,
or a payment mechanism to an end user is by using the JECF.
The JECF runs atop the JDK1.1, which gives us platform independance.
The JCAPI gives you access to a local secure database and strong crypto.
The Java Wallet is the graphical and structural framework for new services
and payment mechanisms.
The Payment Infrastructure contains all the business logic required to conduct a
simple purchase transaction.
The Sample Cassettes in the Commerce Toolkit give you access to common standard
protocols, and give the user generic instruments which will work with any service
cassette.
So in the simplest case, a credit card payment instrument cassette could ship
with a few simple classes and a gif image representing the instrument in the
wallet. It could use the sample SET cassette which ships with the
Commerce Toolkit and the developers would not need to reimplemnt a protocol.