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Abstract Electronic payment is a very important step of the electronic business system, and its security must be ensured. SSUTLS and SET are two widely discussed means of securing online credit card payments. Because of implementation issues, SET has not really been adopted by e-commerce participants, whereas, despite the fact that it does not address all security issues, SSUTLS is commonly used for Internet e-commerce security. The three-domain (3D) security schemes, including 3-D Secure and 3D SET have recently been proposed as ways of improving e-commerce transaction security. Based on our research about SSL, SET, 3D security schemes and the requirements of electronic payment, we designed a secure and efficient E-Payment protocol. The new protocol offers an extra layer of protection for merchants. Customers are asked to enter an additional password in registering and even entering a captcha to verify if it is human or robot. This is a web application so no need for installation on the client-side. When the user verifies your details then the transaction process starts the authentication of the customer.

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