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o reilly Web Security & Commerce phần 8

Cả hai tên nhãn hiệu của RSA Data Security. Không giống như các thuật toán RSA, RC2 và RC4 không bao giờ được cấp bằng sáng chế. Thay vào đó, các thuật toán đã được giữ bí mật thương mại, bảo vệ bằng cách không tiết lộ thỏa thuận và thỏa thuận giấy phép. | Securing Windows NT 2000 Servers for the Internet 16.1.3.2 The charge slip The charge slip tracks charge card transactions. For more than 30 years these charge slips have been paper. Although they were initially returned to the consumer as with checks this proved to be too expensive over time. By the mid 1970s Visa and MasterCard customers were receiving monthly statements summarizing their charges rather than the original charge slips. In the 1980s American Express began digitizing charge slips and giving its customers digitized printouts of their charge slips. Today however consumers merely receive printed reports listing all of the relevant charges. Over time the amount of information on the charge slip has steadily increased. Today there is a large collection of information including Name of customer Customer s charge card number Customer s address Customer number Transaction date Transaction amount Description of the merchandise or service offered Reference number Authorization code Merchant name Computerized systems largely mimic the paper-based systems that have been used for more than 20 years. That s because the information on the charge slip has been shown to be useful in consummating transactions and combating fraud. Many computerized systems still use the word slip. Others refer to the charge or payment record or draft. 16.1.3.3 Charge card fees Banks impose a fee anywhere between one percent and seven percent for each charge card transaction. This fee is paid by the merchant. Thus a consumer who makes a purchase for 100 may see a 100 charge on her credit card statement but the merchant may only see 97 deposited into his bank account. The difference goes to the acquiring bank. Some merchant banks additionally charge their merchants a per-transaction fee and an authorization fee both of which can be anywhere from pennies to a dollar. Merchants can also be charged signup fees annual fees and rental fees for the use of their charge card terminals. Merchant