How Safe Are You While Making Transactions on the Internet |Total security

               Securing Payments for Internet Purchases

When shopping on the internet, how is payment security guaranteed? To ensure the safety of your transactions, payment methods are constantly innovating.

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Trade is globalizing, offering new means of consumption that are as practical as they are potentially risky for buyers. The means of payment must therefore offer efficient and highly secure solutions to guarantee secure transactions for modern consumers.

The dynamic cryptogram

Although there are many ways to make online purchases as secure as possible, such as 3D Secure or the Security Pass, it is still possible to have your bank details hacked when making a purchase on the web.

The cryptogram, with which all bank cards are equipped, is intended to authenticate a payment on the Internet , in order to maximize the security of your data. The security of a bank card thus requires a cryptogram (the 3 digits on the back of your bank card), and the need to secure dematerialized payments has seen the concept of the dynamic cryptogram develop totalsecurity

The principle is simple: unlike your usual cryptogram, which never changes, the dynamic cryptogram is renewed regularly. In this way, if a malicious person has captured your bank details, they will quickly become obsolete as soon as these 3 little figures have changed. So choose a bank that offers rapid renewal of the cryptogram . In some cases, it can be changed after each purchase, sometimes every hour ... Take it on a case-by-case basis and be well informed!

Note that not all bank cards automatically have this advantage. This is of course a paid option, intended for those who make a lot of purchases on the net or who wish to minimize the chances of having their bank details hacked.

How can you have your bank details stolen?

Unfortunately, web hackers are not uncommon, and many attempt to intercept your banking information when making an online purchase . Websites are putting in place many means to overcome this type of security concern, but hackers also know how to adapt to innovations. It is therefore necessary to protect yourself, by using all the solutions at your fingertips. The use of the dynamic cryptogram is in this sense a barrier that will be difficult for them to cross.

The development of contactless cards may also encourage some people to try to steal your data from you. Although this system is very practical on a daily basis, it will be all the more appreciable if you opt for a dynamic cryptogram, which will optimize your chances of securing your payments.

Indeed, if your cryptogram is dynamic, it will not be possible for a possible criminal to use your bank unlimitedly, if at all if these 3 small figures have automatically changed between the time of the theft and that of the attempt to use of the false card.

How are internet payments secure?

Authentication systems are put in place to be certain that the card user is indeed its owner, and not a usurper, starting with double authentication.

3D Secure

Visa and MasterCard created an online payment security system in 2008: 3D Secure. It allows to authenticate the person who tries to make a payment on the web, to ensure that it is indeed the holder of the Visa or MasterCard.

The system is thus activated at the time of the first purchase on the e-commerce site. The operation is therefore carried out in 2 steps, as soon as the words "Verified by Visa" and "MasterCard SecureCode" are displayed:

You enter your card number, its visual cryptogram and its validity date.

After this step, a new window opens, which directs you to the website of your bank. The latter will then set up a procedure of its own to confirm your identity, most of the time it is a question of sending a one-time code by SMS . Certain banking establishments proceed for their part with a question relating to personal information. Once confirmed, payment is accepted.

Personal information, only known to the user: code, password, etc.

Intervene from a medium belonging to the user: his smartphone, his computer or his tablet.

Inference: physical recognition of the user (fingerprints or facial recognition).

This more secure system should make it possible, according to European directives, to reduce fraud linked to online purchases.

Some things to check before making an online purchase

To get started, make sure that the site you're about to make a purchase from is HTTPS . This security certificate is a first step towards a secure approach, even if that is not enough. You should also see a padlock before the site URL, which also ensures safe browsing and transactions. These elements allow you, for example, to escape phishing, a method unfortunately very common on the web and on the lookout for your bank and personal details.

Secure your connection

Between the moment the Internet user records their bank details and the moment they reach the person concerned, they pass through a large number of servers and are therefore liable to be intercepted by hackers . If the shopping site logically encrypts the data, making them understandable by itself, it is however advisable to be extra careful.

As such, you can especially use a VPN . It allows you a secure connection, which will make your information unreadable by an outside user. If it is heavy and can therefore slow down the performance of your connection device, this system is however very secure.

The virtual card, a good alternative for secure internet purchases

To offer a secure online payment solution, banks have innovated with the virtual bank card. Like the dynamic cryptogram, it is here all the numbers of the card that change regularly , thereby making it completely unusable by a hacker.