The online payment market is changing rapidly. Beside the classical payment methods cash, credit (card), money transfer and debit, new systems (VISA Direct, MoneySend, Online Money Transfer) which are based on the classic methods are regularly entering the market.

Time and time again notices about internet payment frauds unsettle both consumers and merchants. The financial industry has already established several security mechanisms (e.g. ServerWallet) in order to guarantee the authenticity of all parties concerned (customer, merchant, service provider, etc.). In future, smart cards (EMV, SECCOS) will be used more and more to increase the security.