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Restricted Item. Print thesis available in the University of Auckland Library or may be available through Inter-Library Loan.Restricted Item. Print thesis available in the University of Auckland Library or may be available through Inter-Library Loan. Current macro-payment systems used by most E-commerce sites are not suitable for high-volume, low-cost transactions, such as charging per-page for web site browsing. These payment technologies suffer from use of heavy-weight encryption technologies and reliance on always... [Thesis or Dissertation]