• The system is internally designed system using IBM and CyberCash products to provide ONLINE credit card authorization and settlement services.

• The system is using Lotus Domino Go Web server, Net-Commerce application and DB2 database.

• The system is connected to EVI’s Master / VISA gateway for online authorization and settlement.

• PKN – a personal key numberGenerated, printed, distributed, activated in a secure environment

• Not stored in any of the servers

• Stringent employee contracts

• SSL encryption

• Using digital certificates from VeriSign to encrypt data from consumers desktop to payment workstation.

• All communication from consumer’s web browser to Payment Gateway is SSL encrypted.Firewall server to protect access to payment workstation from the Internet

• Merchant authentication

• Based on public/private key concept 

• Data transfer form merchant server to payment workstation is signed by merchant’s digital signature Data integrity 

• Data like order number, amount, etc. from merchant is checked for its integrity against attempted alteration 

• PKN Issuance 

• PKN request form physically filled and signed by cardholder alongwith documentation :

•  A photocopy of the card (both sides) for number, validity and signature verification.

A photocopy of the last statement for address verification

• PKN delivered in a secure envelope 

• PKN activated after receiving confirmation from cardholder. 

• E-mail intimation 

• All approved transactions intimated to the cardholder on e-mail 

• Shipping address verification 

• Shipping address will be matched with cardholder’s address. For a different shipping address (gifts), manual confirmation will be taken from cardholder.