?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.au=Malhotra%2C+V&rft.aulast=Malhotra&rft.aufirst=V&rft.issue=2&rft.volume=3&rft.date=December+1997&rft.atitle=Mudra%3A+An+Electronic+Payment+scheme+for+Networks&rft.title=International+Journal+of+Information+Technology&rft.pages=27-44&rft.genre=article