Security certificate is the only tool to confirm the identity of secure e-commerce. The cardholder security certificate is the electronic representation of the payment card. Because it is digitally signed by the certificate management center, no third party can modify the contents of the certificate. Any credit card holder can participate in secure e-commerce online transactions only by applying for the corresponding digital certificate. The digital certificate of the merchant is used to prove the identity of the merchant and its relationship with the receiving bank, indicating that the merchant can collect money from the payment card.
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Since the merchant certificate is digitally signed by the certificate management center, no third party can modify the contents of the certificate. Any online store can only participate in online transactions of secure e-commerce, sell its own goods or provide services if it applies for the digital certificate of the merchant. According to the set standards, digital certificates are confirmed step by step through the trust cascade relationship. Each certificate is connected with the CA at the next higher level that signed it, thus forming a trust chain with a tree structure.
The cardholder's certificate is connected to the issuer's certificate (CCA), which is connected to the root CA through the brand CA. The merchant certificate is connected to the merchant CA(MCA), which is connected to the root CA through the brand CA.