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E-Payment security and systems

What would be the best way to implement, and what are the key aspects one needs to know about e-payment security and systems?
The Key aspects to e-Payment security are:

- Strong Authentication Mechanism (Digital Certs,Smart Cards,PKI etc.) - Back-end Protocol validation with the financial institutions. - Transactions through encrypted channel (SSL). - The information regarding the Payment details should be stored as encrypted Data inside the Database. - Payment application should be built using strong cryptographic capability. - Support for e-Payment technologies/Protocols like SWIFTNet for IP, a messaging standard for exchanging mission-critical financial information and transactional data, which is likely to support additional financial network communications standards in the future.

For more info on W3C standards for secure online Payments go to

- Puneet

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