Kriterier för säkra betaltjänster på nätet

Sammanfattning

This report has a purpose to identify the payment methods available for e-commerce, to

see if they fulfill certain requirements. By investigating thirty of the most popular web

shops, a few primary services have been found and revised. Security requirements for

e-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 disadvantages

have been identified to see if the services fulfill the requirements. Also surveys

of consumer payment habits have been investigated to identify the factors of decisive importance

to the usage of payment services. Other questions answered in the report are if

the 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 expenses

for the customer, but the consumption of time increases when authentication is used.

Authentication is fulfilled except with regular card payment, and authentication prevents

all parties from denying participation in the purchase. Availability is the biggest problem

when merchants and issuers don’t offer many of the services.

The crucial cause for using one of the services, seems to be availability, cause the

most 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 requirement

that they are made available to a large amount of customers. Availability is also a

requirement for all of the minor services.