Invited Talks -- Analyzing the Success and Failure of Recent e-Payment Schemes -- Peppercoin Micropayments -- Loyalty and Micropayment Systems -- Microcredits for Verifiable Foreign Service Provider Metering -- A Privacy-Friendly Loyalty System Based on Discrete Logarithms over Elliptic Curves -- User Authentication -- Addressing Online Dictionary Attacks with Login Histories and Humans-in-the-Loop -- Call Center Customer Verification by Query-Directed Passwords -- Invited Talks -- Cryptography and the French Banking Cards: Past, Present, Future -- PayPass Security and Risk -- e-Voting -- The Vector-Ballot e-Voting Approach -- Efficient Maximal Privacy in Boardroom Voting and Anonymous Broadcast -- Panel Session: Building Usable Security Systems -- Usability and Acceptability of Biometric Security Systems -- Mental Models of Computer Security -- Visualization Tools for Security Administrators -- Secure Interaction Design -- Invited Talk -- Bringing Payment Technology to the Unbanked -- Auctions and Lotteries -- Interleaving Cryptography and Mechanism Design -- Secure Generalized Vickrey Auction without Third-party Servers -- Electronic National Lotteries -- Identity-Based Chameleon Hash and Applications -- Game Theoretic and Cryptographic Tools -- Selecting Correlated Random Actions -- An Efficient and Usable Multi-show Non-transferable Anonymous Credential System -- The Ephemeral Pairing Problem -- Mix Networks and Anonymous Communications -- Mixminion: Strong Anonymity for Financial Cryptography -- Practical Anonymity for the Masses with MorphMix -- Timing Attacks in Low-Latency Mix Systems -- Provable Unlinkability against Traffic Analysis.