What is Electronic Commerce?
Electronic Commerce means buying and selling products and services over the Internet and the World Wide Web. For merchants, electronic commerce means making your products and services available to the millions of potential customers all over the world who are already surfing the Web daily, and the millions more who will be logging on in the near future.

Types of Security: SSL and SET

What is SSL?
SSL, or Secure Socket Layer, is a security technology that encrypts an American Express Cardmember's information and purchase details, helping to ensure that information will not be accessible to anyone but th banking institution and you, the customer, during an electronic transaction.

What is SET?
SET, the Secure Electronic Transaction Protocol, is the latest development of the financial industry's efforts to develop a standard, universal way of conducting electronic commerce that will offer consumers and merchants an unprecedented level of security and assurance. SET will provide the same high levels of security as U.S. users of SSL enjoy today, with the added benefit of digital signature certificates to help authenticate the identity of all parties involved in a transaction. This new level of security is intended to eliminate the possibility of "spoofing" -- where unscrupulous individuals set up fake "electronic storefronts" -- and will dramatically reduce the potential for the use of stolen credit card numbers on the Internet. As the SET protocol is implemented in the coming months, it will mark the beginning of a new, safer era of electronic commerce.

Digital Certificates

What is a Digital Signature Certificate?
A digital signature certificate is an encrypted electronic document that contains information that verifies your company's identity, encoded in a highly secure format. Your server will send your digital signature certificate and electronic countersignature to your customers to authenticate your identity to them, and your customer's browser software sends you their digital signature certificate and electronic countersignature containing verification of their identity.

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