While security features do not guarantee a secure system, they are necessary to build a secure system. Security features have four categories:
- Authentication: Verifies who you say you are. It enforces that you are the only one allowed to logon to your Internet banking account.
- Authorization: Allows only you to manipulate your resources in specific ways. This prevents you from increasing the balance of your account or deleting a bill.
- Encryption: Deals with information hiding. It ensures you cannot spy on others during Internet banking transactions.
- Auditing: Keeps a record of operations. Merchants use auditing to prove that you bought a specific merchandise.
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