We have described the development of a new micro-payment system, NetPay, f- turing different ways of managing electronic money, or e-coins. NetPay provides an off-line, anonymous protocol that supports high-volume, low-cost electronic trans- tions over the Internet. We developed three kinds of e-wallets to manage coins in a NetPay-based system: a sever-side e-wallet allowing multiple computer access to- coins; a client-side e-wallet allowing customer PC management of the e-coins, and a cookie-based e-wallet cache to improve performance of the client-side e-wallet c- munication overhead. Experiences to date with NetPay prototypes have demonstrated it provides an effective micro-payment strategy and customers welcome the ability to manage their electronic coins in different ways. References 1. Dai, X. and Lo, B.: NetPay - An Efficient Protocol for Micropayments on the WWW. Fifth Australian World Wide Web Conference, Australia (1999) 2. Dai, X., Grundy, J. and Lo, B.: Comparing and contrasting micro-payment models for- commerce systems, International Conferences of Info-tech and Info-net (ICII), China (2001) 3. Dai, X., Grundy, J.: Architecture of a Micro-Payment System for Thin-Client Web App- cations. In Proceedings of the 2002 International Conference on Internet Computing, Las Vegas, CSREA Press, June 24-27, 444--450 4. Dai, X. and Grundy J.: "Customer Perception of a Thin-client Micro-payment System Issues and Experiences," Journal of End User Computing, 15(4), pp 62-77, (2003).

Discover the world of princes and princesses on a sugar plantation in Hawai'i. An American family lives in a multicultural world in a small agricultural town where just about every family knows each other. They have similar values like middle America but they are caught in a cross-section of cultures clashing, yet often times melding. Read about the Yagyagan family's challenges and how one son survives, goes on to college and uses a formula he created to guide his and his children's lives - R2L3C2D3. "An amazing piece of American literature, a true American story as well as Pacific Islander. This story is warm and humorous as well as raw and moving. Plantation Prince is a must read and is likely to be one of your favorite books of the year." Jose Pereira ***** "Steve A. Yagyagan's story, Plantation Prince, is about family life, family relationships, the pain, the strength, and the lessons learned from struggle. I read through half the book, and could not put the book down. Yagyagan describes how his family lived and experienced life from Hawai'i, stories and experiences that you don't often find, see, or hear about in mainstream American society. If you enjoy reading about diversity, dual cultures, and family up-and-down experiences, Yagyagan's story brings you there " ***** Ronald Buenaventura, Filipino American National Historical Society ***** "Even though the American society seems to be "melting"; Plantation Prince shares personal experiences of an American guided by his respective ethnicities. Steve Yagyagan's insights into his family histories reflects the challenges and struggles of an individual's search for identity. Thankfully, Steve has met that challenge and continues to share this uplifting story of being Filipino and Samoan in rural Hawaii. This book is a learning experience for those who do not understand their individual history and an entertaining journey of hope, love, and family " ***** "An example of "Struggle to Victory" where the author's family lineage makes the most of every opportunity given to us by God. Wonderful thoughts of the author's "Lessons from Life" after experiencing Pain, Sorrow, Love, and Happiness." ***** "Excellent book The author's personal experiences brings life to his book. Amazing to see the struggles he went though in life and still become a successful person. It was also nice to read about places and people I grew up with too Everyone will enjoy this book " "Definitely this book is one of a kind, but at the same time the experiences and events can be had in any part of America I love how this book takes place in Hawaii....definitely a great read..once you start this book you will not stop till the last page..I highly recommend it, way to go Steve I loved the book and many others will: )" Vincent Villafranca ("http: //www.barnesandnoble.com/w/plantation-prince-steven-a-yagyagan/1115801020?ean=9781480228498") Watch YouTube promo video for this book: "http: //www.youtube.com/watch?v=aEcZuzLl0Ws"