With all this money changing hands, concern turns to transaction security. Unless consumers are assured of security and privacy, Internet transactions will not become mainstream.
Privacy involves keeping transaction information between agency and consumer.
Integrity is a guarantee that the message is not altered, erased or intercepted by a third party. Nonrepudiation ensures that parties involved can't deny that they actually sent the transmission. Cryptography Cryptography enables confidential information to be transmitted across unsecured networks without the risk of interception or tampering, essentially by putting the data into code. The receiver has a secret key used to decrypt the message. Only those having the correct key can decode the document.