What is SSL?
Since its introduction in 1994, SSL has been the de facto standard for e-commerce transaction security, and it’s likely to remain so well into the future.
SSL is all about encryption. SSL encrypts data, like credit cards numbers (as well other personally identifiable information), which prevents the «bad guys» from stealing your information for malicious intent. You know that you’re on an SSL protected page when the address begins with «https» and there is a padlock icon at the bottom of the page (and in the case of Mozilla Firefox in the address bar as well).
Your browser encrypts the data and sends to the receiving Web site using either 40-bit or 128-bit encryption. Your browser alone cannot secure the whole transaction and that’s why it’s incumbent upon e-commerce site builders to do their part.
At the other end of the equation, and greatest of importance to e-commerce site builders, is the SSL certificate. The SSL certificate sits on a secure server and is used to encrypt the data and to identify the Web site. The SSL certificate helps to prove the site belongs to who it says it belongs to and contains information about the certificate holder, the domain that was the certificate issued to the name of the Certificate Authority who the certificate issued, the root and the country it was issued in.
SSL certificates come in 40-bit and 128-bit varieties, though 40-bit encryption has been hacked. As such, you definitely should be looking at getting a 128-bit certificate.
Though there a wide variety of ways in which you could potentially acquire a 128-bit certificate, there is one key element that is often overlooked in order for full two-way 128-bit encryption to occur. According to SSL certificate vendor VeriSign, in order to have 128-bit encryption you need a certificate that has SGC (server grade cryptography) capabilities.
How to Get an SSL Certificate. The Wrong Way
There are two ways of principal getting an SSL certificate: you can either buy one from a certificate vendor or you can «self-sign» your own certificate. That is using any number of different tools (both open source and proprietary) you can actually sign your own SSL certificate and save the time and expense of going through a certificate vendor.
Technically speaking, the data may be encrypted, but there is still a fundamental problem with self-signing that defeats part of the purpose of having an SSL certificate in the first place. Self-signing a certificate is like issuing yourself a driver’s license. Roads are safer because governments issue licenses. Making sure those roads are safe is the role of the certificate authorities. Certificate authorities make sure the site is legitimate.
Self-Signed certificates will trigger a warning window in most browser configurations that will indicate that the certificate was not recognized. VeriSign admits that there are a lot of people that will click through anyway just like there are a lot of people that will click through an expired SSL certificate as well.
A site that conveys trust is also more likely to be a site that makes (more) money. There is research that suggests that having a recognizable SSL certificate may, in fact, have a direct correlation increased to e-commerce sales. VeriSign, in particular, has done some research that shows that users who visit sites that have a recognizable trust mark (like the VeriSign Secure Site seal) are more comfortable shopping on those sites and have fewer abandoned shopping carts and better repeat purchases.
Choosing an SSL Certificate Vendor
According to GeoTrust Lockhart there are several things that buyers should look for when purchasing a certificate:
- Reputation and credibility of the CA (How long they have been in business? Do they have lots of customers?)
- Ubiquity of the root (is it embedded in all of the popular browsers?)
- Root is owned by the CA (and not прикутий to someone else’s root)
- Lifecycle management tools (how is it easy to install, renew, перевстановити, and revoke if compromised, etc.)
- Ease of acquiring the certificate
- Who is doing the vetting (is it the CA itself, or in the case of some resellers, do they delegate this to their resellers?)
You who are you say you are. You have nothing to hide and you are running a legitimate e-commerce business that you want to consumers trust and feel comfortable doing business with The SSL certificate system exists to help promote the security and integrity of e-commerce for everyone. In an era where phishing scams run rampant and trust is king, a proper SSL certificate may well be your key to e-commerce success.
Did You Know.
Ninety-three percent of online shoppers surveyed by VeriSign reported that they it felt important for an e-commerce site to include a trust mark of some kind on their site.
Sean Michael Kerner is a regular contributor to ECommerce-Guide.com.
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