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Showing posts with label Secure Payment Online. Show all posts
Showing posts with label Secure Payment Online. Show all posts

Thursday, April 9, 2009

Safe and Secure Online Payments with SSL Certificates

The seamless world of the Internet has broken open the physical barriers that existed across regions on the Globe. Today, therefore, you could be sitting in Munich and buying goodies from Seoul. Very convenient, and thrilling. But, when you pay for your goodies and swipe you’re Credit Card, are you sure, you are paying only for what you paid for? Chances are your Credit Card Information traverses through alien territory into the wrong pair of hands. The result, the next morning, you will find your Bank account eroded or emptied? Not a situation that most of us can afford or enjoy.

How do we then transact on the Internet and yet safeguard our hard earned monies from those Electronic pirates? The answer is relatively simple. Every time you choose to buy product or services through web-sites, before entering your Credit Card and other personal information look for information on whether the payment gateway is secured. Informed customers would always prefer to transact their business through secure sites and this will automatically bring in more business to Websites secured through SSL certificates from well known providers.


Payment gateways are secured through SSL or Secured Socket Layer. When you enter your personal and or Credit Card information into a secure site, an encrypted public key is created. This is termed as a handshake to authenticate safe transaction. The unique encryption method which gets established in the process will have a unique session key. This process protects theft of valuable data and only the transaction that you intend to complete is processed.

SSL certification has been found to be very reliable across, Internet users and also among the customers. These certificates are issued by a reliable and trusted authority, the Certificate Authority. The web-site through which you are attempting to transact business carries signs of the agency which has issued the SSL certificates. There are other similar agencies too, which offer these SSL certifications. When you click on the sign, the details of the certifying agency are displayed.

When you click on such secured domains, your system generates a SSL handshake which is accessed by the web-site server. The unique encryption method employed then allows a secure transaction to go through.

Why all this bother?

When you are transacting valuable business or even sending across precious data, it is necessary to route them through secure servers which have the seal of security such as an SSL certificate. In the absence of this Security, it would compare with sending a snail mail in a transparent envelope.

For E-Commerce and other Web-site owners, the SSL certification acts as a stamp of credibility and assurance of safety to their valuable customers.

For the Service Providers and other Vendors/Merchants in the Internet world, exhibiting their site security sign – a reputed one at that, not only assures the customer that the information he parts with will be securely handled, but also separates them from the crowd. Informed customers would always prefer to transact their business through secure sites and this will automatically bring in more business to Websites secured through SSL certificates from well known providers.

Monday, March 30, 2009

Protecting your self against online credit card fraud

Today more and more people are looking to the internet to do their shopping. With online stores popping up all over the internet the urge to spend money on the World Wide Web has never been stronger. The unfortunate thing is that the urge for scam artists to take your money has never been stronger. So how do you protect your self from these thieves? If you follow these simple steps I promise you’ll enjoy shopping on the internet more having taken these precautions.

The first thing you should consider when buying online is if the website you are shopping on is secure? These days most retail websites have secure pages where you enter your personal information but that doesn’t mean that all sites are secure. The first step in making sure that your information is secure is to check the address bar and look for “https” this means that you are on a secure page. If the address begins with “http” the page is not secure and your information should not be given. The second step in determining if the website is safe is to look for the picture of a closed lock or an unbroken key. These pictures can be found in the bottom right corner of your browser window. When the lock is open or the key is broken the page is not secure. The last thing to look for is mention of secure certificates or “SSL”. These logos usually appear near the bottom of the screen. If you are still not sure if the website is secure you can always ask them through e-mail (make sure to save the reply just in case).

Credit card fraud is still relatively common. Even with all the security that some of the larger websites have, these con artists are still able to scam some people. So what do you do if you suspect that you have been scammed? The first thing you should do is determine if the charges on your credit card are really unauthorized. This is why you should save all of your receipts. Sometimes when a company makes a charge to your card it might show up on your statement as a charge from a name that you don’t recognize so it is important to check your receipts and confirmation e-mails (the company will usually tell you what the purchase will be charged as in the confirmation) to make sure that the mystery charges aren’t legitimate. Once you are sure that you have been scammed either by the store or by someone that has somehow stolen your credit card information your next step is to contact the credit card company. Some companies such as VISA and MasterCard offer zero liability for fraudulent charges. If your credit card issuer does not have a zero liability policy then you are only liable for up to $50 according to federal law.

Shopping on the internet is more popular than ever and with the flood of internet shoppers comes a wave of con artists. Protect your self from these crooks. Follow the information I have laid out for you and remember to save your receipts, look for secure pages and if that isn’t enough then only buy from well established websites that you have had good experiences with.