Kriterier för säkra betaltjänster på nätet
This report has a purpose to identify the payment methods available for e-commerce, tosee if they fulfill certain requirements. By investigating thirty of the most popular webshops, a few primary services have been found and revised. Security requirements fore-payment systems include authentication, non-repudiation, integrity and confidentiality.Other requirements considered to be important are usability, flexibility, affordability,reliability, availability, speed of transaction and interoperability. Advantages and disadvantageshave been identified to see if the services fulfill the requirements. Also surveysof consumer payment habits have been investigated to identify the factors of decisive importanceto the usage of payment services. Other questions answered in the report are ifthe requirements are adequate, and what services that could be available also in the future.All services fulfill the requirements of confidentiality and integrity. Usability varies,but most of the methods are easy to use. None of them involve any further expensesfor the customer, but the consumption of time increases when authentication is used.Authentication is fulfilled except with regular card payment, and authentication preventsall parties from denying participation in the purchase. Availability is the biggest problemwhen merchants and issuers don?t offer many of the services.The crucial cause for using one of the services, seems to be availability, cause themost offered method card payment, is also the most common service among customers.Because of that, secure card services will be needed also in the future, with the requirementthat they are made available to a large amount of customers. Availability is also arequirement for all of the minor services.