The request, signed by the cardholder, contains encrypted order information using the merchant s encryption public key. Upon receipt and verification of the request, the merchant sends a signed and encrypted authorization request to the gateway. Then, a signed authorization is sent back to the merchant. Upon receipt and verification of the authorization, the merchant completes the purchase. A response is sent back to the credit card holder.
Delivery is initiated.
Upon receipt and verification of the authorization, the software logs the transaction and lets the consumer know the purchase has been approved. Robert Rein is a Principal in the Southwest Market Circle of Arthur Andersen where he leads the Electronic Business Risk and Assurance and Security service lines.