@misc{vadgama2012novel,
  title={A novel approach for e-payment using virtual password system},
  author={Vishal Vadgama and Bhavin Tanti and Chirag Modi and Nishant Doshi},
  year={2012},
  eprint={1208.3859},
  archivePrefix={arXiv},
  primaryClass={cs.CR},
  url={https://arxiv.org/abs/1208.3859}
}