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Credit card Fraud : Abbacus Technologies
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Credit card Fraud
Unfortunately, online payment remains a major area of Internet immaturity.Payment and data transfer security are allied problems. When buyer and seller meet physically to exchange money for goods, trust is less of an issue than when two entities deal blind online.
Though buyers - rightly - distrust online credit card payments,
merchants suffer more from credit fraud. This is because most
online payment is by credit or debit cards,and the payment protocols for
these were originally intended for face to face sales where the cardholder and card
are both physically present.
Physical presence offers security based on a customer signature and card imprint. But the merchant is
almost always responsible for losses when sales are made on a 'Cardholder Not Present' basis even when the
vendor has obtained authorisation from the card issuer.
Security And Privacy
There are two areas of concern:ensuring the privacy of data involved in the transaction to re-assure the buyer, and ensuring the buyer is engaged in a valid transaction - for the benefit of the seller.
The first is most easily solved using SSL (Secure Socket Layer) an encryption protocol b"
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