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An SSL connection is initiated by the client (normally a Web browser) by requesting a document to be sent through the HTTPS protocol as proposed to the standard HTTP protocol.
This is done by by simply prefixing the URL by "https" as opposed to "http". For example:
http://server.domain.com/index.html requests the document index.html be sent through the standard HTTP protocol, whilst
https://server.domain.com/index.html requests the same document be sent using the HTTPS protocol which incorporates SSL.
Here in detail are the steps taken during a SSL transaction:
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- The client sends a request for a document to be transmitted using the HTTPS protocol by prefixing the URL with "https".
- The server sends its certificate to the client.
- The client checks if the certificate was issued by a Certificate Authority (CA) it trusts. If not, it gives the user the option to continue or to terminate the transaction.
- The client compares the information in the certificate with the information it just received concerning the site: its domain name and its public key. If the information matches, the client accepts the site as authenticated.
- The client tells the server what ciphers, or encryption algorithms, it can communicate with.
- The server chooses the strongest common cipher and informs the client.
- The client generates a private (or session) key using the agreed cipher.
- The client then encrypts the session key using the server's public key and sends it to the server.
- The server receives the encrypted session key and decrypts it with its private key.
- The client and the server then use the session key for the rest of the transaction.
An alternative secure protocol is the Secure Electronic Transaction (SET) protocol developed by Visa and MasterCard specifically for enabling secure credit card transactions on the Internet. Designed for cardholders, merchants, banks and other card processors, SET uses digital certificates to ensure the identities of all parties involved in a purchase. SET also encrypts credit and purchase information before transmission on the Internet.
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