All information is encrypted using a combination of secret-key and public-key cryptography in such a way that only the Camtech Payment Gateway is able to read the message. Integrity is maintained by the use of digital signatures while authenticity is assured with digital certificates. Camtech E-Commerce uses 1024-bit RSA as its public key encryption algorithm.

Camtech Secure Payment System is endorsed by major Australian banks.

HOW DOES CAMTECH E-COMMERCE WORK IN PRACTICE?

Step 1 Before a message is sent, a digital signature of the message is generated by the sender.

Step 2 The message, digital signature and sender's certificate are combined and encrypted with a randomly generated secret-key to form the encrypted message.

Step 3 The secret-key is then encrypted using the public key of the Camtech Payment Gateway to form what is known as a digital envelope. The encrypted message and the digital envelope are then sent to the payment gateway.

Step 4 The payment gateway decrypts the digital envelope using its private key to recover the secret-key, and then decrypts the encrypted message.

Step 5 The payment gateway verifies the integrity and authenticity of the message by verifying the enclosed digital signature and digital certificate.

Step 6 The payment gateway generates an Australian Banking Standard AS2805F (ISO8583) message which is forwarded to the bank for processing in real time.