e-commerce is a business transaction activity which via Internet. Buyer pay by credit card or transfer money while seller request of payment from bank via Internet. In order to avoid the other non-good intention man stealing transaction data, we have to distribute a security payment mechanism for e-commerce.

As e-commerce rose and developed the transaction way was changed. First, it has been changed including transferring by phone, home banking, network banking and the mobile banking and so on. One side, there are more and more companies sell their product by Internet but still restlessly. On the other, customers consider safety about online credit card payment and transfer through ATM. It is possible to be stolen by trojan horse that transmits the transaction data in Internet at present, especially account number, password, cash card number and credit card number.

If it is unable to guarantee the transaction may carry on safely, consumers won’t be willing to provide the related information of credit card and the payment on Internet. Based on above reasons, the transaction security is the first thing to be solved urgently. OSC provides one-time password (OTP) solution for e-commerce payment security. OTP could combine with payment of cash card and credit card and avoid hackers steeling secret data.