- Public Key Infrastructure. PKI ensures that, for an online transaction, the person is
who they say they are and that no-one else has access to the information. Under PKI a
digital certificate is generated by a trusted third party Certificate Authority (CA) and verified by a Registration Authority (RA). This
digital certificate is a unique electronic signature and is used to generate personalised
encryption keys. The certificate can also be co-signed by a financial institution, such as
a credit company to provide financial credentials of the holder. The CA
also issues a means to encode a message and to translate the reply using both public and
private key arrangement based on the users digital certificate.
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