When an online purchase is made, the credit card information is vulnerable to interception network sniffers, software that easily recognize credit card number formats. Several basic security measures are being used to solve this security problem: (1) encrypt (code and scramble) the data passing between the customer and merchant, (2) encrypt the data passing between the customer and the company authorizing the credit card transaction. For example, many companies use the Secure Socket Layer (SSL) that automatically encrypts data passing between your web browser and a merchant’s server. However, sensitive information is still vulnerable to misuse once it’s decrypted (decoded and unscrambled) and stored on a merchant’s server, so a digital wallet payment system was developed. In this method, security software add-on modules are added to web browser. That enables the browser to encrypt credit card data in such a way that only the bank that authorizes credit card transactions for the merchant gets to see it. All the merchant is told is whether the credit card transaction is approved or not. The Secure Electronic Transaction (SET) standard for electronic payment security extends this digital wallet approach. In this method, software encrypts a digital envelope of digital certificates specifying the payment details for each transaction.