<?xml version="1.0" encoding='UTF-8'?>

<reference anchor="W3C.NOTE-jepi-970519">
<front>
<title>White Paper: Joint Electronic Payment Initiative</title>

<author initials="E" surname="Chung" fullname="Eui-Suk Chung">
    <organization />
</author>

<author initials="D" surname="Dardailler" fullname="Daniel Dardailler">
    <organization />
</author>

<date month="May" day="19" year="1997" />
</front>

<seriesInfo name="W3C NOTE" value="NOTE-jepi-970519" />
<format type="HTML" target="http://www.w3.org/TR/NOTE-jepi-970519" />
</reference>

