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This web page introduces all the security measures that the Internet takes to protect you when you make purchases on an e-commerce site. Contrary to popular opinion the Internet is a safe and cheap environment for making purchases, provided you take all the necessary precautions to ensure that when you buy goods or services you are doing so from a protected site, with protected communication links. This page teaches you all you need to know to take such precautions.

 

Internet buyer fright is caused by ignorance of safety measures on the Internet as well as of the water-tight security measures that the Internet takes to protect buyers online.

 

By the end of this page you will learn the following:

 

1. About secure server technology as the basis for protecting your confidentiality when you make purchases online.
2. Why secure server technology is unbreakable, which is why it is used to protect online purchases.
3. About the Secure Sockets Layer (SSL) as the most common protocol used to implement secure server technology.
4. Simple precautions you can take (a few signs to check) to ensure that your purchasing environment (web site and communication links) is indeed private and confidential, so that you alone has access to your credit or debit card data when you enter them online.

 

As a result of your increased knowledge and awareness you will become more confident about making purchases online.

 

Now let us begin...

 

The following discussion is organised into a number of topics as follows:

 

Understanding Your Fears

 

How We Handle Your Fears

 

Historical Perspectives on Internet Buyer Fright

 

Payment Protection Fundamentals

 

Payment Protection through ClickBank and PayPal... Including How to Check

 

Conclusion

 

 

Your Fears

 

Your entering this page suggests that you are thinking of buying a product from this site but, like most thoughtful visitors who may not be familiar with the technologies of the Internet, you are terrified of the prospect of entering your personal and credit/debit card data on the Net.

 

This is all very understandable, considering the scam that can exist on the Internet. The opportunities for fraud or identity theft are manifold, yet in spite of this the Internet is a safe and confidential environment for making purchases, because of all the advanced security technologies that have been developed to ensure the safety of your vital data.

 

Feeling safe when shopping online relies on your ability to understand the essentials of Internet payment-protection technology as well as to recognise the signs of a safe shopping Internet site. This page introduces all the relevant technologies so that, with increased knowledge and understanding, your confidence in completing a purchase will be boosted.

 

All sorts of doubts will be creeping into your mind at this moment, and you may even be wondering whether (for all its attractive and presentable features) this site is not merely a scam site that has been cleverly disguised as legitimate to extort money from visitors like you.

 

You may even be harbouring questions such as these:

 

How can I be sure that this site is legitimate and is not simply an attractive scam site?

 

What happens to my personal and credit/debit card data when I enter it on order/payment forms on this site?

 

Is the ordering/payment system used on this site a proven system?

 

Can anyone else see my personal and credit/debit card data? If so will they not steal my data and abuse my card account? Will they not pass on my personal data to undesirable persons?

 

How can I be sure that a hacker will not break into the communication channels or data store and gain access to my confidential data?

 

You can be sure that we have taken all precautions to ensure that transactions on this site are confidential, being protected with the best technologies the Internet can offer.

 

 

How We Deal with Your Fears

 

The answers to your preceding questions are as follows:

 

How can I be sure that this site is legitimate and is not simply an attractive scam site?

 

You will find that this site promotes products or displays advertisements for world class and well-known Internet companies like Google, eBay, ClickBank, and SiteSell. Before being allowed to do so the owner of the site had to register his personal details with these companies, so that a legitimacy check may be carried out.

 

Furthermore, the site is owned by Dr. A A Agbormbai who has a renowned Internet track record. You can check this out by typing ‘agbormbai’ on Google. The site also has a growing Internet reputation. Check this out by typing ‘triplacc’ on Google, to find all references to the site (www.triplacc.com).

 

What happens to my personal and credit/debit card data when I enter it on order/payment forms on this site?

 

This site does not actually process any orders or display any order or payment forms. When you click to buy on this site you are first transferred to a merchant or product-manufacturer site for the product for which you clicked, so that you can study the product offerings in greater detail. When you are satisfied with what you have read, and you click on that site to complete the order, you are transferred to ClickBank’s payment processing system located in ClickBank’s secure server. There, an order form is presented for you to complete.

 

You will find 3 payment options: Pay by Credit/Debit Card, Pay through PayPal, and Pay by e-Cheque. By default the form that opens is for payment by credit/debit card, but you can choose any of the other two options. The payment by credit/debit card and payment by e-cheque options are processed by the ClickBank secure server whereas the payment by PayPal option is processed by the PayPal secure server. Therefore depending on which option you choose your personal and card data (when it leaves the order/payment form) will be transmitted via secure communication links and stored in either or both the ClickBank and PayPal secure servers. There it will remain.

 

Is the ordering/payment system used on this site a proven system?

 

YES! ClickBank and PayPal are well-known payment processing companies on the Net. These companies have processed billions of transactions for millions of visitors like you, so you are not the first visitor using their system. They have processed these transactions confidentially and without complaints. When you complete your purchase you will only be the next of the millions of people who have enjoyed this service.

 

Can anyone else see my personal and credit/debit card data? If so will they not steal my data and abuse my card account? Will they not pass on my personal data to undesirable persons?

 

Relax! No one can see your personal or card data. After you enter the data it travels through confidential, secure communication pathways until it reaches a secure server at which it is stored. ClickBank may send your personal data to the product manufacturer but NOT your credit/debit card data! ClickBank will only send your data to a manufacturer if the manufacturer has a privacy policy that protects your data. The owner of this site does not see your personal or card data!

 

How can I be sure that a hacker will not break into the communication channels or data store and gain access to my confidential data?

 

Once your data leaves a form it travels through the most secure links the Internet can offer. Both the links and the secure servers use state-of-the-art Internet security technologies. Your data is scrambled or encrypted using the best algorithms and secret key systems that are available, and these systems are unbreakable!

 

 

Historical Perspective of Internet Buyer Fears

 

The worries that you have over Internet shopping are very common, and a number of eminent studies and writings have been completed on the issue.

 

For instance, in Earning Customer Trust Online (an article included in the Entireweb Newsletter), Michelle Howe (President of Internet Word Magic) has this to say:

 

“Creating content that gives your customer a sense of safety and security is also a way of building trust with your customer. Fraud and identity theft are big concerns for online shoppers. Sadly, according to Forrester Research, 71% of online shoppers don't believe the retailer can protect them from fraud. So, they are reluctant to give out financial information. Consumers also believe that only 49% of companies will protect their privacy.

 

Website visitors need to feel that the information they give to a website will be held in confidence. Before asking someone to give you their email address, be sure you have a privacy policy statement. Make sure the privacy statement is near the email sign-up.

 

To reassure your website visitors of a secure financial transaction, use the security certification seals of Verisign, Hackersafe, and Thawte. Make sure the seals are prominently displayed on the shopping cart and throughout the checkout process. Forrester research found that sites using these certification seals had a 14% increase in conversion rates.

 

Another technique is to use privacy seals from BBB online and TrustE. These third party logos communicate that your company can be trusted and have met a standard of measurement for reliability. These seals need to be placed throughout the website: near email signups, registration, cart, and checkout.

 

...

 

Building trust online comes down to clearly communicating with your customer. Something as simple as failing to communicate the total purchase price upfront, will lead to shopping cart abandonment. Forrester research found that 57% of shoppers will abandon a shopping cart because the shipping charges were more than they expected.

 

The goal of an online business should be to create an environment of worry free shopping. Create a website that makes a visitor feel safe, clearly expresses the company's brand through good design, and boosts website conversions through trustworthy content.”

 

We have taken great pains to make this web site as trustworthy and as confidence-boosting as you can find on the Net. You will find that the security certification seals mentioned in paragraphs 3 and 4 of Michelle Howe’s excerpt are included in our merchants’ sites, in the ClickBank site, and in the PayPal site. These seals are displayed along the purchasing path and prominently appear close to order buttons. The privacy policy links of these companies are also displayed.

 

 

Fundamentals of Payment Protection

 

Webopedia defines a secure server as:

 

“A Web server that supports any of the major security protocols, like SSL, that encrypt and decrypt messages to protect them against third party tampering. Making purchases from a secure Web server ensures that a user's payment or personal information can be translated into a secret code that's difficult to crack. Major security protocols include SSL, SHTTP, PCT, and IPSec.”

 

In this definition, a web server is any computer on the Internet that stores web sites - a collection of web pages with or without associated data stored in databases. The web server supplies the web pages and database data to visitors who request them through Internet browsers.

 

For instance, when you type a URL on Internet Explorer you are making a request for the web page whose URL you have entered. The web server containing that unique page will display the page, along with any associated database data. The computer that you use to request the web page is called a web client. This is the computer that runs your web browser.

 

A protocol is any set of rules for processing or representing data, for storage or communication purposes. A security protocol is a set of rules for scrambling or encrypting data so that it is protected from unauthorised access. The most common security protocol used to protect confidential data for e-commerce is the Secure Sockets Layer (SSL).

 

‘Encrypting data’ means converting it into unreadable form. This requires a mathematical algorithm and a secret key. Secure payment-processing systems on the Internet use the most sophisticated encryption systems, with formidable encryption algorithms and secret keys. This makes them unbreakable and secure.

 

‘Decrypting data’ means recovering its original readable form from a previously scrambled form. You need the algorithm and secret key to do so. The process of illegally obtaining these tools is called hacking.

 

To learn more about SSL and its critical role in e-commerce take a look at this Webopedia article: SSL: Your Key to E-commerce Security.

 

 

Payment Protection through Clickbank and PayPal... Including How to Check

 

Let us complete this page by looking at how ClickBank and PayPal implement secure server technology on their sites. We also provide a simple guideline for checking that, when you shop online, your payment processing system is protected by secure server technology.

 

When you enter the ClickBank secure server site you will encounter an order processing form that requests your personal and credit/debit card details. On the top left of the page you will see the ClickBank logo and on the top right of the form you will see the designation “Welcome to ClickBank, the Web’s Trusted Source for Digital Data,” followed by “Secure Order Form” on the next line.

 

However, to prove that this page is indeed a secure web page (i.e. a web page located in a secure server) you will notice on your browser that the URL of the page starts with https:// instead of http://. All secure pages on the Net begin this way, and it is the simplest and surest way of checking that your confidentiality is protected from even the most brilliant hackers. This means that whatever you enter on this page will not be seen by anyone else.

 

Therefore, before entering confidential data on an order or payment form check to see that the URL of the page begins with https instead of http.

 

Finally, at the bottom of the page you will find a summary of ClickBank’s policy or terms of sale as follows:

 

• Your purchase will appear on your bank statement under the name "CLKBANK*COM".
• ClickBank will, at its option, replace or repair any defective product within eight weeks from the date of purchase. For more detail see our return policy.
• The geographic location of your computer has been determined and recorded. All attempts at fraud will be prosecuted.
• Information submitted in conjunction with this order is handled within the constraints of our privacy policy.
• Your name and email address may be provided to the original publisher of this product upon completion of this purchase.

 

Now let us turn to PayPal.

 

When you get to the Review Your Payment form of PayPal you will also find that the page has a secure URL (i.e. the URL starts with https). Thus, the PayPal server is a secure server.

 

On the top right of the form you will find the designation ‘Secure Servers’ alongside a padlock, and at the bottom of the page you will find the VeriSign logo (with the designation ‘VeriSign secured’) signifying that the server has the VeriSign SSL certificate. This means that the data in the server is encrypted independently using VeriSign SSL technology. VeriSign is an SSL encryption company.

 

 

Conclusion

 

We hope by now that you are more informed in matters of e-commerce security and that you will feel safe when shopping at our site. We hope also that you will recommend our site to your friends, family, and colleagues, as a safe Internet shopping spot for digital information products as well as for related goods.

 

Thanks for your attention, and happy shopping. God bless.

 

How We Protect Your Payments

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