In order to provide quality, reliable, but above all security procedures for online shopping, the banks and the processing center must meet the requirements and conditions set by the International Card Organizations. In order to ensure maximum security of transactions, the bank offering the e-commerce service has implemented a security mechanism that provides 100% security and protection ie the 3D security model.
An enormous advantage of the 3D security model is that it supports various technologies and devices for Internet access – personal computers, wireless devices such as cell phones, PDAs, etc. The 3D security model can operate with various authentication technologies, including passwords, digital signatures and chip cards.
Apart from the implementation of the 3D security model, other security measures, such as 128bit and SSL, are needed in the communication between the buyer and the processing center.
The function of these additional security measures is reflected in the redirection of the buyer by the merchant to Payment Portal to be made into encrypted 128bit and SSL connections. SSL is a secure messaging (communication) protocol over the Internet that enables the sending of confidential data to the Internet in encrypted and secure mode. SSL communication enables authentication of the sender of the message and encoded message.
However, regarding the security and protection of the client, it should be emphasized that at the moment of payment the buyer is redirected to the protected website of the payment gateway and on that page the necessary data for the payment card is entered, thus realizing the website on which he purchases user, there are no contact points with the card, ie card number, cvv code, owner, date validity of the card, etc.