Summary

The ON-LINE CARD ™ Technology Framework is a combination of business-services that can be incorporated by e-commerce providers into their own business-processes. Below we outline the business-functions of each sub-service as well as its technical capabilities.

The ON-LINE CARD™ Technology Framework consists of:

• End-user Trust Infrastructure (EUTI)

business:
    - customer acquisition;
    - management of customer trust relationship – approval, decline, suspension, termination;
technology:
    - digital identity life-cycle management;
    - end-user self-service front-end;
    - backend for trust relationship management.

• Access Control Service (ACS)

business:
   - log-in business-process for e-commerce web-sites with enhanced security;
technology:
   - two-factor (‘trusted-channel’) end-user authentication business-process.

• Consolidated Accounting Service (CAS)

business:
    - consolidated accounting of credits and debits authorized by customer and other parties (credits) on a personalized account;
    - management of client account status by company;
    - CRM functions for transaction dispute resolution;
technology:
    - consolidated recording of incoming and outgoing transactions with 'value';
    - management of account parameters and properties (permissions);
    - role-based CRM functionality tied to transaction records / authenticated messaging.

• Logging and Audit Service (LAS)

business:
    - law-enforceable logs of individual client and consumer authorizations;
technology:
    - immutable logging of individual digitally signed transaction authorizations from trusted end-users and web-service requests from consumer.

• Consumer Certificate Authority Service (CCAS)

business:
    - issuance of certificates, tied to particular business-functions;
technology:
    - issuance of standard (X.509) server certificates, tied to one or several business-functions (type(s) of web-service requests) to consumer.

This section provides a set of resources to help you understand the key concepts that the ON-LINE CARD™ Technology Framework is based on and learn how those concepts and the Service functionality may be integrated into your e-commerce solutions.