cyber security

Security for Online Payments

by Josh Biggs in Finance, Tech on 15th October 2020

Every single day, millions of people are shopping online and entering valuable financial information to make purchases. Making sure this information is kept safe and secure is of vital importance to eCommerce sites, but how do they actually do it? How do websites guarantee security for both their customers and themselves in a way that keeps intruders out for good? It’s all possible thanks to some key software development solutions that keep security in mind.

Where Financial Attacks Come From

It’s first important to understand how malicious attacks affect online purchases in the first place. In order to steal a buyer or seller’s money, hackers normally target sensitive data and are generally able to do so before anyone even knows something is wrong. Hackers can easily exploit information in all sorts of different ways, such as transmitting malicious code to websites that intercept transfers of cash or using bots to determine millions of combinations of numbers to access user passwords, card information, and logins. New techniques are developed by hackers at a breakneck pace that needs to be kept up with and overcome by the ones offering solutions. 

For financial security, online digital payment solutions can be applied and integrated with a current site in order to bolster security as well as find better ways to facilitate payments all across their entire platforms. Anti-fraud solutions are applied to minimize risk as well as comply with current industry standard regulations.

How Businesses Can Protect from Fraud

One leading approach to how this is done is by utilizing data encryption. Data is stored here in a way that it would be inaccessible to everyone without the means to decode, which can only be done by the ones who should have access to the data instead of outsiders. To scramble data and obscure it from any prying eyes, encryption uses significantly advanced algorithms that are constantly learning and shaping themselves to counter coming threats. 

Fraud detection for financial services is paramount to maintaining a safe environment. This is how threats can be detected and dealt with before anything unfortunate can happen. The machine learning algorithm can learn from any single experience until patterns are fully examined, and evolve itself so that it can detect identical ones and anticipate and avoid them before they arise. This way, financial information can be well-secured and databases are always ready for those particular types of incoming intrusions. External threats such as credit card fraud can not get into a safe environment, and new kinds of attacks can be learned before they even have a chance to happen. This leads to a stronger financial infrastructure for companies and customers alike, who can breathe comfortably knowing that their sensitive data is totally protected from risk at all times.

Online shopping is growing more every single day, and while there will always be those trying to take advantage of that fact, it doesn’t mean there aren’t ways to mitigate the risk. When businesses utilize the proper protection their platforms can be as free from these threats as possible.

Categories: Finance Tech

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