Glossary of security terms
Smart card
In order to transfer money from company accounts, clients must have a smart card to digitally sign the transfers, which is normally obtained as part of the e-banking service package.
A smart card resembles a credit card in size and shape (Master, Diners, Dina etc.), but instead of a magnetic stripe with information about the card holder on the back of the card, it contains an embedded microprocessor that stores and processes electronic data and applications. Smart cards currently represent the most technologically advanced form of card development and security.
A smart card is issued to the user ready to store a digital certificate, which is required for digitally signing account transfers.
Digital certificate
A digital certificate is created using mathematical functions, it is encrypted and contains a version of original data.
A digital certificate is a type of "electronic" ID card issued by an independent certification authority that confirms the identity of the smart card, so that the recipient can decode the message contents.
Digital certificates are used for authenticating and securing online payments.
A digital certificate is stored on the card as explained in the CD user manual provided with the e-banking package.
Digital signature
A digital signature is an electronic signature used to authenticate the identity of the sender of a message or the signer of a document. It also serves as proof that the original content of the message or document that has been sent is unchanged. A digital signature ensures authenticity of the message and integrity of the information, and cannot be repudiated later.
Safety precautions:
If there is reason to suspect that the cardholder’s certificate has been compromised, there may be risk of documents being approved with a forged signature (payment orders, etc.).
If so, you should IMMEDIATELY notify the card issuer to revoke your certificate and issue a new one.