mercredi 24 décembre 2014

What prevents web shop owners from misusing credit card data?



I don't own a credit card but read much about fraud with stolen credit cards. Since I don't own one, I don't know how you exactly buy online using your credit card, so please correct me, if I am wrong (and I hope so).



  1. Customer choses articles in online shop and puts them into shopping cart.

  2. Customer goes to the virtual check out.

  3. Customer enters delivery address and his cc data(?) and sends them to the server of the shop owner.

  4. Shop server sends the cc data the customer entered and his data and the amount to the cc card server and receives the money.

  5. Customer receives bought articles.

  6. The shop owner wasn't very honest and uses the cc data the customer entered to shop on other online shops (especially non-trackable goods like software licenses, ...). Since the data is the same for all shops, nobody knows which shop misused the cc data.


Why not use an one-time authentification code or token instead? For example the customer enters the cc data on the server of the cc company which sends a confirmation to the shop owner or gives a signed token (like gpg) which the user gives the shop to prove he sent the money or the shop just waits till it sees the money on its account? Since I have basic it-security knowledge you might also add technical details. So are my assumptions right and if so, what prevents web shop owners from misusing credit card data?





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