verifies dual signature using customers public signature key to ensure order has not been tampered with in transit that it was signed using cardholders private signature key
processes order and forwards the payment information to the payment gateway for authorization (described later)
sends a purchase response to cardholder
20 Payment Gateway Authorization
verifies all certificates
decrypts digital envelope of authorization block to obtain symmetric key then decrypts authorization block
verifies merchants signature on authorization block
decrypts digital envelope of payment block to obtain symmetric key then decrypts payment block
verifies dual signature on payment block
verifies that transaction ID received from merchant matches that in PI received (indirectly) from customer
requests receives an authorization from issuer
sends authorization response back to merchant
21 Payment Capture
merchant sends payment gateway a payment capture request
gateway checks request
then causes funds to be transferred to merchants account
notifies merchant using capture response
need for web security
SSL/TLS transport layer security protocols
SET secure credit card payment protocols
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