This information is encapsulated in a software program and downloaded to the person's computer. The user merely has to create a password to get in to the system. When the user wants to send a secure message or make a secure connection, the digital certificate creates random keys that authenticate the user. The system checks that the recipient is valid, then encrypts and transfers the message. The keys contain the code for encrypting and decrypting.
Random keys ensure the encryption key is different each time the user logs on.
With Internet banking, the bank's database contains information about every registered user on the system and authenticates users before opening the transaction gates. If an organization needs to secure communications with a business partner or supplier, both have to use certificates from the same certificate authority. And unlike productivity applications, digital certificates aren't always usable straight out of the box. They must be integrated with a specific system, such as an electronic banking system, an e-mail system, a VPN or a server operating system. Even the choice of VPN router or VPN software is limited to the products supported by the certificate authority.