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diff --git a/summary/taler.bib b/summary/taler.bib
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+@article{nakamoto2008bitcoin,
+  title={Bitcoin: A peer-to-peer electronic cash system},
+  author={Nakamoto, Satoshi},
+  year={2008}
+}
+
+@InProceedings{apod,
+  author =       {Elli Androulaki and Steven Bellovin},
+  title =        {APOD: Anonymous Physical Object Delivery},
+  booktitle = {Symposium on Privacy-Enhancing Technologies (PETS)},
+  year =      {2009},
+}
+
+@Article{blum1981,
+  author = 	 {Manuel Blum},
+  title = 	 {Coin Flipping by Telephone},
+  journal = 	 {CRYPTO},
+  year = 	 {1981},
+  pages = 	 {11-15},
+}
+
+
+@Misc{greece2015cash,
+  author =    {Reuters},
+  title =     {Greek council recommends 60 euro limit on ATM withdrawals from Tuesday},
+  howpublished = {\url{http://www.reuters.com/article/2015/06/28/eurozone-greece-limits-idUSA8N0Z302P20150628}},
+  month =     {June},
+  year =      {2015},
+}
+
+@Misc{france2015cash,
+  author =    {Heinz-Peter Bader},
+  title =     {France steps up monitoring of cash payments to fight low-cost terrorism},
+  howpublished = {\url{http://www.reuters.com/article/2015/03/18/us-france-security-financing-idUSKBN0ME14720150318}},
+  month =     {Mar},
+  year =      {2015},
+}
+
+
+@Misc{fatf1997,
+  title =     {FATF-IX report on money laundering typologies},
+  howpublished = {\url{http://www.fatf-gafi.org/media/fatf/documents/reports/1996\%201997\%20ENG.pdf}},
+  month =     {feb},
+  year =      {1998},
+}
+
+@TechReport{,
+  author =       {},
+  title =        {},
+  institution =  {},
+  year =         {},
+  OPTkey =       {},
+  OPTtype =      {},
+  OPTnumber =    {},
+  OPTaddress =   {},
+  OPTmonth =     {},
+  OPTnote =      {},
+  OPTannote =    {}
+}
+
+@InProceedings{sander1999escrow,
+  author =       {Tomas Sander and Amnon Ta-Shma},
+  title =        {On Anonymous Electronic Cash and Crime},
+  booktitle = {ISW'99},
+  year =      {1999},
+  series =    {LNCS 1729},
+  pages =     {202--206},
+}
+
+@Article{solms1992perfect,
+  author =       {Sebastiaan H. von Solms and David Naccache},
+  title =        {On blind signatures and perfect crimes},
+  journal = {Computers \& Security},
+  year =      {1992},
+  volume =    {11},
+  number =    {6},
+  pages =     {581--583},
+}
+
+@inproceedings{chaum1990untraceable,
+  title={Untraceable electronic cash},
+  author={Chaum, David and Fiat, Amos and Naor, Moni},
+  booktitle={Proceedings on Advances in cryptology},
+  pages={319--327},
+  year={1990},
+  organization={Springer-Verlag New York, Inc.}
+}
+
+@inproceedings{chaum1983blind,
+  title={Blind signatures for untraceable payments},
+  author={Chaum, David},
+  booktitle={Advances in cryptology},
+  pages={199--203},
+  year={1983},
+  organization={Springer}
+}
+
+@inproceedings{rivest2004peppercoin,
+  title={Peppercoin micropayments},
+  author={Rivest, Ronald L},
+  booktitle={Financial Cryptography},
+  pages={2--8},
+  year={2004},
+  organization={Springer}
+}
+
+@inproceedings{miers2013zerocoin,
+  title={Zerocoin: Anonymous distributed e-cash from bitcoin},
+  author={Miers, Ian and Garman, Christina and Green, Matthew and Rubin, Aviel D},
+  booktitle={Security and Privacy (SP), 2013 IEEE Symposium on},
+  pages={397--411},
+  year={2013},
+  organization={IEEE}
+}
+
+
+
+@InProceedings{fc2014murdoch,
+  author =       {Stephen Murdoch and Ross Anderson},
+  title =        {Security Protocols and Evidence: Where Many Payment Systems Fail},
+  booktitle = {Financial Cryptography and Data Security},
+  year =      {2014},
+}
+
+@book{ engels1844,
+  author = 	 "Friedrich Engels",
+  title = 	 "{Umrisse zu einer Kritik der National\"okonomie}",
+  year = 	 "1844",
+  publisher = "Ruge and Marx, Paris",
+}
+
+
+@inproceedings{selby2004analyzing,
+  title={Analyzing the Success and Failure of Recent e-Payment Schemes},
+  author={Selby, Jack R},
+  booktitle={Financial Cryptography},
+  pages={1--1},
+  year={2004},
+  organization={Springer}
+}
+
+@misc{brands1993efficient,
+  title={An efficient off-line electronic cash system based on the representation problem},
+  author={Brands, Stefan A},
+  year={1993},
+  publisher={Centrum voor Wiskunde en Informatica}
+}
+
+@article{dent2008extensions,
+  title={Extensions to Chaum's Blind Signature Scheme and OpenCoin Requirements},
+  author={Dent, AW and Paterson, KG and Wild, PR},
+  year={2008}
+}
+
+@article{dent2008preliminary,
+  title={Preliminary Report on Chaum's Online E-Cash Architecture},
+  author={Dent, AW and Paterson, KG and Wild, PR},
+  journal={Royal Holloway, University of London},
+  year={2008}
+}
+
+
+
+@inproceedings{tor-design,
+  title = {Tor: The Second-Generation Onion Router},
+  author = {Roger Dingledine and Nick Mathewson and Paul Syverson},
+  booktitle = {Proceedings of the 13th USENIX Security Symposium},
+  year = {2004},
+  month = {August},
+  www_important = {1},
+  www_tags = {selected},
+  www_html_url = {https://www.torproject.org/svn/trunk/doc/design-paper/tor-design.html},
+  www_pdf_url = {https://www.torproject.org/svn/trunk/doc/design-paper/tor-design.pdf},
+  www_section = {Anonymous communication},
+}
+
+
+@inbook{BellareRogaway1996,
+  author="Bellare, Mihir and Rogaway, Phillip",
+  editor="Maurer, Ueli",
+  chapter="The Exact Security of Digital Signatures-How to Sign with RSA and Rabin",
+  title="Advances in Cryptology --- EUROCRYPT '96: International Conference on the Theory and Application of Cryptographic Techniques Saragossa, Spain, May 12--16, 1996 Proceedings",
+  year="1996",
+  publisher="Springer Berlin Heidelberg",
+  address="Berlin, Heidelberg",
+  pages="399--416",
+  isbn="978-3-540-68339-1",
+  doi="10.1007/3-540-68339-9_34",
+  url_doi="http://dx.doi.org/10.1007/3-540-68339-9_34",
+  url="http://web.cs.ucdavis.edu/~rogaway/papers/exact.pdf"
+}
+
+
+
+@article{OneMoreInversion,
+  author="Bellare and Namprempre and Pointcheval and Semanko",
+  title="The One-More-RSA-Inversion Problems and the Security of Chaum's Blind Signature Scheme ",
+  journal="Journal of Cryptology",
+  volume="16",
+  number="3",
+  pages="185--215",
+  abstract="We introduce a new class of computational problems which we call the ``one-more-RSA-inversion'' problems. Our main result is that two problems in this class, which we call the chosen-target and known-target inversion problems, respectively, have polynomially equivalent computational complexity. We show how this leads to a proof of security for Chaum's RSA-based blind signature scheme in the random oracle model based on the assumed hardness of either of these problems. We define and prove analogous results for ``one-more-discrete-logarithm'' problems. Since the appearence of the preliminary version of this paper, the new problems we have introduced have found other uses as well.",
+  issn="1432-1378",
+  doi="10.1007/s00145-002-0120-1",
+  doi_url="http://dx.doi.org/10.1007/s00145-002-0120-1",
+  url="https://eprint.iacr.org/2001/002"
+}
+
+@misc{cryptoeprint:2001:002,
+    author = {M. Bellare and C. Namprempre and D. Pointcheval and M. Semanko},
+    title = {The One-More-RSA-Inversion Problems and the Security of Chaum's Blind Signature Scheme},
+    howpublished = {Cryptology ePrint Archive, Report 2001/002},
+    year = {2001},
+    note = {\url{http://eprint.iacr.org/}},
+}
+
+
+@inbook{RSA-KTIvCTI,
+  author="Bellare, Mihir and Namprempre, Chanathip and Pointcheval, David and Semanko, Michael",
+  editor="Syverson, Paul",
+  chapter="The Power of RSA Inversion Oracles and the Security of Chaum's RSA-Based Blind Signature Scheme",
+  title="Financial Cryptography: 5th International Conference, FC 2001 Grand Cayman, British West Indies, February 19--22, 2001 Proceedings",
+  year="2002",
+  publisher="Springer Berlin Heidelberg",
+  address="Berlin, Heidelberg",
+  pages="319--338",
+  isbn="978-3-540-46088-6",
+  doi="10.1007/3-540-46088-8_25",
+  url="https://www.di.ens.fr/~pointche/Documents/Papers/2001_fcA.pdf"
+}
+
+
+@inbook{Coron2000,
+  author="Coron, Jean-S{\'e}bastien",
+  editor="Bellare, Mihir",
+  chapter="On the Exact Security of Full Domain Hash",
+  title="Advances in Cryptology --- CRYPTO 2000: 20th Annual International Cryptology Conference Santa Barbara, California, USA, August 20--24, 2000 Proceedings",
+  year="2000",
+  publisher="Springer Berlin Heidelberg",
+  address="Berlin, Heidelberg",
+  pages="229--235",
+  isbn="978-3-540-44598-2",
+  doi="10.1007/3-540-44598-6_14",
+  doi_url="http://dx.doi.org/10.1007/3-540-44598-6_14",
+  url="https://www.iacr.org/archive/crypto2000/18800229/18800229.pdf"
+}
+
+
+
diff --git a/summary/taler.tex b/summary/taler.tex
new file mode 100644
index 0000000..31a3eaf
--- /dev/null
+++ b/summary/taler.tex
@@ -0,0 +1,98 @@
+\documentclass{article}
+\usepackage[margin=1in]{geometry}
+\usepackage[utf8]{inputenc}
+\usepackage{wrapfig}
+
+\usepackage{graphicx}
+\usepackage{url}
+\title{GNU Taler \\
+  Ethical online payments for the Internet age}
+
+\begin{document}
+
+\author{Florian Dold \and Christian Grothoff}
+
+\maketitle
+
+GNU Taler is a Chaum-style digital payment system using RSA blind
+signatures~\cite{chaum1983blind} and specific Elliptic curves
+constructions that enables anonymous payments while ensuring that
+entities that receive payments are auditable and thus taxable.
+Designed to satisfy ethical requirements and implemented in free
+software, Taler simultaneously improves customer privacy, payment
+security and usability.
+
+\begin{center}
+\includegraphics[width=0.3\textwidth]{anonymous.png}
+\end{center}
+
+Our goal is to provide a secure digital payment system for modern
+liberal societies as it is a flexible, libre and efficient protocol
+that adequately balances the state's need for monetary control with
+the citizen's needs for private economic activity.
+
+Transactions on the Internet tend to be of smaller value than
+traditional transactions involving the exchange of physical goods.
+This creates the challenge of reducing the mental and technical
+overheads of existing payment systems to handle micropayments.
+Addressing this problem is urgent: ad-blocking technology is eroding
+advertising as a substitute for micropayments, and the Big Data
+business model where citizens pay with their private information
+hastens our society's regression towards
+post-democracy~\cite{rms2013democracy}.
+
+In Taler, the customer who pays is not required to disclose private
+information to make payments, while the merchant's income is visible
+to the state and thus taxable.  {\em Taxable} merely means that the
+state can obtain the necessary information about the contract to levy
+common forms of income, sales or value-added taxes, not that the
+system imposes any particular tax code.  Basically, when a customer
+pays he uses unlinkable digital coins to sign a contract with the
+merchant. The contract is proposed by the merchant and is supposed to
+contain all of the information required for taxation -- which
+typically excludes the identity of the customer.  Later, the state can
+obtain the contract by following a chain of cryptographic tokens,
+starting from a token in the wire transfer from the Taler payment
+system operator to the merchant.  The payment system operator only
+learns the total value of a contract, but no further details about the
+contract.  The payment system operator also learns who the issuer of
+the digital coins was; beyond this, the payment process itself reveals
+no further information about the identity of the customer.
+
+Customers and merchants will be able to easily adapt their existing
+mental models and technical infrastructure to Taler, as Taler
+resembles credit cards in business logic, business model and in
+particular and the use of existing currencies.  In contrast, Bitcoin's
+payment models fail to match common expectations, be it in terms of
+performance, durability, security, or privacy.
+
+To pay with Taler, customers need to install an electronic wallet.
+Once such a wallet is present, the fact that the user does not have to
+authenticate to pay fundamentally improves usability.  We already see
+today that electronic wallets like GooglePay are being deployed to
+simplify payments online. However, the dominant players mostly
+simplify credit card transactions without actually improving privacy
+or security for citizens.  GNU Taler is privacy-preserving free
+software and both technically and legally designed to protect the
+interests of its users.  A key question for the future of our society
+is thus whether digital wallets will serve citizens and respect their
+sovereignty, or serve to reinforce the panopticon in the Reich of Big
+Data corporations.
+
+GNU Taler was started at TU Munich in April 2014 and is now being
+coordinated by the TAMIS
+team\footnote{\url{https://www.inria.fr/en/teams/tamis}} at Inria
+Rennes, with contributions from the free software community at large
+and the GNUnet project\footnote{\url{https://gnunet.org/}} in
+particular.  The initial research is being funded by ARED and the
+Renewable Freedom
+Foundation\footnote{\url{https://renewablefreedom.org/}}, but we plan
+to launch a startup to drive the commercial adaptation of the
+technology.  We encourage readers to try our prototype for Taler
+at \url{https://demo.taler.net/}.
+
+
+\bibliographystyle{alpha}
+\bibliography{taler,ui}
+
+\end{document}
diff --git a/summary/ui.bib b/summary/ui.bib
new file mode 100644
index 0000000..2161353
--- /dev/null
+++ b/summary/ui.bib
@@ -0,0 +1,197 @@
+
+
+@Misc{pigs,
+  author =    {W3c},
+  title =     {Web Payments Payment Flows},
+  howpublished = {\url{https://github.com/w3c/webpayments/tree/gh-pages/PaymentFlows}},
+  month =     {February},
+  year =      {2016},
+}
+
+
+
+
+@techreport{dominguez1993,
+ title = "Does Central Bank Intervention Increase the Volatility of Foreign       Exchange Rates?",
+ author = "Kathryn M. Dominguez",
+ institution = "National Bureau of Economic Research",
+ type = "Working Paper",
+ series = "Working Paper Series",
+ number = "4532",
+ year = "1993",
+ month = "November",
+ doi = {10.3386/w4532},
+ URL = "\url{http://www.nber.org/papers/w4532}",
+}
+
+@article{quantitytheory1997volckart,
+ ISSN = {00130117, 14680289},
+ URL = {http://www.jstor.org/stable/2599810},
+ author = {Oliver Volckart},
+ journal = {The Economic History Review},
+ number = {3},
+ pages = {430-449},
+ publisher = {[Economic History Society, Wiley]},
+ title = {Early Beginnings of the Quantity Theory of Money and Their Context in Polish and Prussian Monetary Policies, c. 1520-1550},
+ volume = {50},
+ year = {1997}
+}
+
+@book{pcidss,
+ author = {Wright, Steve},
+ title = {PCI DSS A Practical Guide to Implementing and Maintaining Compliance},
+ year = {2011},
+ isbn = {1849281866, 9781849281867},
+ edition = {3rd},
+ publisher = {It Governance Ltd},
+}
+
+
+
+@Misc{ezb2016ourmoney,
+  author =    {European Central Bank},
+  title =     {Our Money},
+  howpublished = {\url{http://www.new-euro-banknotes.eu/}},
+  year =      {2016},
+}
+
+@techreport{buiter2003deflation,
+ title = "Deflation: Prevention and Cure",
+ author = "Willem H. Buiter",
+ institution = "National Bureau of Economic Research",
+ type = "Working Paper",
+ series = "Working Paper Series",
+ number = "9623",
+ year = "2003",
+ month = "April",
+ doi = {10.3386/w9623},
+ URL = "http://www.nber.org/papers/w9623",
+}
+
+@Article{nigeria2015exchange,
+  author =       {Nnanna Philemon Azu and Alireza Nasiri},
+  title =        {Exchange rate Fluctuation and Sustainable Economic growth in Nigeria: VAR Approach},
+  journal =      {Journal of Econonomics and Sustainable Development},
+  year =         {2015},
+  volume =    {6},
+  number =    {13},
+  pages =     {228--238},
+}
+
+@Misc{diaspora2011,
+  author =    {Josh Constine},
+  title =     {After The Regretsy and Diaspora Account Freezes, We’ve Lost Confidence In PayPal},
+  howpublished = {\url{http://techcrunch.com/2011/12/06/paypal-account-freeze/}},
+  month =     {Dec},
+  year =      {2011},
+}
+
+@Misc{crinkey2011rundle,
+  author =    {Guy Rundle},
+  title =     {The humble credit card is now a political tool},
+  howpublished = {\url{http://www.crikey.com.au/2011/10/25/rundle-humble-credit-card-now-a-political\-tool-just-ask-wikileaks/}},
+  month =     {Oct},
+  year =      {2011},
+}
+
+@Misc{guardian2015cap,
+  author =    {Rupert Jones},
+  title =     {Cap on card fees could lead to lower prices for consumers},
+  howpublished = {\url{http://www.theguardian.com/money/2015/jul/27/cap-on-card-fees-retailers}},
+  month =     {July},
+  year =      {2015},
+}
+
+@Article{rms2013democracy,
+  author =       {Richard Stallman},
+  title =        {How Much Surveillance can Democracy Withstand?},
+  journal =      {WIRED},
+  year =         {2013},
+}
+
+@Misc{ibi2014,
+  author =    {ibi research},
+  title =     {Digitalisierung der Gesellschaft 2014 --- Aktuelle Einsch\"atzungen und Trends},
+  howpublished = {\url{http://www.ecommerce-leitfaden.de/digitalisierung-der-gesellschaft-2014.html}},
+  year =      {2014},
+}
+
+@Misc{mtan,
+  author =    {John E. Dunn},
+  title =     {Eurograbber SMS Trojan steals 36 million from online banks},
+  howpublished = {\url{http://www.techworld.com/news/security/eurograbber-sms-trojan-steals-36-million\-from-online-banks-3415014/}},
+  month =     {Dec},
+  year =      {2012},
+}
+
+@Misc{emv,
+  title =     {EMVCo},
+  howpublished = {\url{http://www.emvco.com/}},
+  year =      {2016},
+}
+
+@Misc{kobil2016tan,
+  title =     {ChipTAN/CardTAN: What you see is what you sign},
+  howpublished = {\url{http://www.kobil.com/solutions/identity-access-card-readers/chiptan/}},
+  year =      {2016},
+}
+
+@Misc{cors,
+  author =    {A. van Kersteren},
+  title =     {Cross-Origin Resource Sharing},
+  howpublished = {\url{http://www.w3.org/TR/cors/}},
+  month =     {January},
+  year =      {2014},
+}
+
+@Misc{ehrenberg2014data,
+  author =    {Billy Ehrenberg},
+  title =     {How much is your personal data worth?},
+  howpublished = {\url{http://www.theguardian.com/news/datablog/2014/apr/22/how-much-is-personal-data-worth}},
+  month =     {April},
+  year =      {2014},
+}
+
+@Misc{adblockblocks,
+  author =    {Mark Sweney},
+  title =     {City AM becomes first UK newspaper to ban ad blocker users},
+  howpublished = {\url{http://www.theguardian.com/media/2015/oct/20/city-am-ban-ad-blocker-users}},
+  month =     {October},
+  year =      {2015},
+}
+
+@Misc{munichicecream,
+  author =    {Timot Szent-Ivanyi},
+  title =     {Wie Firmen ihre Kassen manipulieren},
+  howpublished = {\url{http://www.fr-online.de/wirtschaft/steuerhinterziehung-wie-firmen-ihre-kassen\-manipulieren-,1472780,31535960.html}},
+  month =     {August},
+  year =      {2015},
+}
+
+@InProceedings{pets2004kuegler,
+  author =       {Dennis K\"ugler},
+  title =        {On the Anonymity of Banknotes},
+  booktitle = {Privacy Enhancing Technologies},
+  year =      {2004},
+  pages =     {108--120},
+  publisher = {Springer Verlag},
+}
+
+@PhdThesis{holz2014,
+  author =       {Ralph Holz},
+  title =        {Empirical analysis of Public Key Infrastructures and investigation of
+improvements},
+  school =       {TU Munich},
+  year =         {2014},
+}
+
+
+@misc{Bankrate,
+  author = {Chris Kahn},
+  site = {Bankrate.com},
+  title = {May 2014 Financial Security Index charts},
+  year = 2014,
+  url = {http://www.bankrate.com/finance/consumer-index/financial-security-charts-0514.aspx},
+  urldate = {2016-02-10},
+  note = {[Online; Accessed: 2016-02-10]}
+}