Secure Communication for Internet Payment in Heterogeneous Networks

During the last years, the growth of e-commerce has been considerable due to the increase of user confidence in secure electronic payment. Most of the security proposals in commerce scenarios have been based on a classical e-payment system definition. This definition basically represents a client who sends a payment order to obtain some goods/services from the merchant. Nevertheless, these definitions are not sufficiently robust when a new entity appears in the electronic payment transaction especially with the emergence of SEPA in Europe. Typically, when this entity named payment service provider, performs payment interactions on behalf of the customer and the merchant on the private banking network side. This new payment scheme handle the problem of trust and security. And to deal with this problem, payment service provider must propose a secure solution which is easy to integrate to the merchant web application and guaranties a good client experience.