In the current, first wave of Internet commerce it is already clear that there is much more to be paid for on the Web than just software, socket wrench sets, or shiny new tractors.

Hundreds of thousands of billers and millions of consumers are eyeing cyberspace as a convenient place to fulfill payment obligations for any number of services not purchased there to begin with-infrastructure services like power, water, insurance, phone, cable TV, credit cards, and home and auto loans.

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