<s>
The	O
Internet	B-Protocol
Open	I-Protocol
Trading	I-Protocol
Protocol	I-Protocol
(	O
IOTP	B-Protocol
)	O
is	O
a	O
system-independent	O
protocol	O
that	O
provides	O
an	O
interoperable	O
and	O
standardized	O
payment	O
framework	O
for	O
electronic	O
commerce	O
,	O
which	O
tries	O
to	O
replicate	O
real-world	O
trading	O
processes	O
as	O
closely	O
as	O
possible	O
.	O
</s>
<s>
IOTP	B-Protocol
systems	O
can	O
include	O
a	O
variety	O
of	O
different	O
payment	O
systems	O
including	O
digital	O
cash	O
,	O
electronic	O
checks	O
,	O
and	O
debit	O
cards	O
.	O
</s>
<s>
Various	O
payment	O
transaction	O
data	O
are	O
encapsulated	O
within	O
specific	O
IOTP	B-Protocol
messages	O
(	O
customer	O
,	O
merchant	O
,	O
credit	O
checker	O
,	O
certifier	O
,	O
bank	O
and	O
delivery	O
handler	O
)	O
.	O
</s>
