Define the term- encryption
The user would then type in O P E and card purchase will be authorised. This extra protection is used as well as encryption.
Some of the new systems use a chip and PIN card which is slotted into keyboard and is used as extra security. User slots the card into the side of keyboard and is required to type in a PIN before Internet can be accessed. This gives an extra level of security as it is necessary to have the card, know PIN associated with card AND also know user's log in id and password!!!