| When you are being encouraged to use the credit | | | | card services, and it is the responsibility of the |
| cards for transactions of all kinds that you do, it is | | | | web sites to ensure that the transaction being |
| but natural that the credit card issuing banks | | | | performed is genuine. To ensure this the web |
| would also be eager to provide world class credit | | | | sites take the telephone or e-mail of the user and |
| card services as well. Still there are apprehensions | | | | send to them a correspondence confirming the |
| in some quarters about the secured environment | | | | conductance of the transaction. The mushrooming |
| that the credit card issuers provide, and this | | | | of the multitude of web sites is a pointer to the |
| forms the first issue associated with the credit | | | | fact that the credit card services are working in |
| card services. Security is an area of concern, as | | | | the right direction. |
| this is what deters the user to go online or even | | | | Before the advent of the Internet era, the only |
| to use the card services otherwise. The inhibition | | | | option available for the credit card companies to |
| for a client to use the credit cards is the status | | | | extend the credit card services was through the |
| of dilemma arising on account of the magnitude | | | | retail stores. In fact the popularity that the credit |
| of card related frauds that keep on happening at | | | | card services have come to acquire for |
| different places all the times. To obviate this | | | | themselves has owed majorly to the |
| dilemma credit card companies are coming up | | | | encouragement that has been provided by the |
| with various kinds of credit card services. The | | | | retail stores to popularize the usage of credit |
| whole gamut of services is to ensure that the | | | | cards. With the mobile phones become a |
| credit card user is encouraged to use the card | | | | necessity rather than a luxury; they have also |
| without any doubt in his mind. | | | | been incorporated as another medium for |
| There are quite a lot of different ways in which | | | | extending credit card services. Integration of |
| the credit card services are extended. One of | | | | credit card services with the mobile phones has |
| them is the Authorized payment gateway | | | | further widened the horizon of the credit card |
| through which a payment is done on the Internet. | | | | usage. Now even if one is not having an Internet |
| The authorized gateway is the fulcrum of the | | | | connection, one can perform all the transactions |
| services under the credit card services, which | | | | over a phone. To allay the apprehension about |
| certifies that the transaction that has been done | | | | misuse of the card, the direct sales agent |
| is full proof and secure. The credit card services | | | | confirms that the information about the credit |
| do this by encrypting the whole process of | | | | card being exchanged over the phone is fully |
| payment and the standard benchmark for the | | | | secure. He also informs that for security and |
| industry is 128-bit encryption. | | | | monitoring purposes whatever discussion is being |
| The other manner in which the credit card | | | | conducted over the phone would be recorded for |
| services are extended is through the web sites. | | | | future reference, so that the customer is |
| The web sites offer multitude of services and | | | | confident enough to conduct transactions. |
| these services are facilitated through the credit | | | | |