Each new entrant in the race for electronic commerce technology tries to distinguish itself from rivals. In the case of Certco, which wants to make a mark in the increasingly crowded field of Internet payments and security, it is the backing of Bankers Trust New York Corp. that sets it apart.

Spun out from Bankers Trust in mid-December and armed with $30 million in venture capital, Certco has melded together a staff of accomplished cryptographers and seasoned bankers. Its mission is to stake out turf in two areas where other firms have already made a name: on-line micropayments and digital certificates.

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