A final area that this article explores concerning the necessities of cryptography and data encryption involved in protecting the transactions and information exchanged in Secure Online Banking operations. Both SSL certificates and Site Key techniques are used to accomplish this feat. Banking customers must be protected from not only the loss of their sensitive financial and personal data to malicious hackers, but also from diabolical phishing attacks. These types of attacks involve using deception to trick banking customers into revealing sensitive person or financial data on a false website utilized to gather such information. Typically an e-mail is sent out to individuals, telling them that their banking institution needs to verify their account, as it has been frozen due to suspicions of online fraud, until this verification process is completed. There is online fraud occurring, but it centers in that very email which is soliciting the customer´s information. If the individual is so deceived into clicking on the link in the e-mail, he or she will be taken to a disguised web site, which looks like the real site of that bank that is being misrepresented. Here, they will be asked to verify the information to a number of important questions, such as his or her social security number, credit card numbers, or bank account numbers. Protecting consumers from this requires more than just the use of standard SSL certificates. The customers must have a confident way to know if they are on the correct website for a given institution, or instead on a cleverly disguised fraudulent site. This is accomplished in the next generation SSL certificates. Such new cutting edged certificates are compliant with the CA/Browser Forum, and work with all versions of Internet platforms. Background color schemes are utilized to alert customers to whether the SSL certificate for the given website is truly secured or not. These Extended Validation Certificates will cause an address bar in the top of the Internet platform to turn green if they are valid. This color signifies that the maker of the SSL Extended Validation Certificate has personally checked and verified the origin of the website in question.