Identify the risk factors which are associated with Electronic payment system.

An electronic payment system carries card and transaction data through three independent stages: the transaction itself, its transmission across a network, and its storage in a database. Each stage is a separate point where a security compromise can occur.

This item lists three concrete risks in an electronic payment system: fraudulent use of a card during a transaction, interception of card details as they are sent over the internet, and unauthorized access to a database that stores card details at rest.

• Fraudulent use of a card is a transaction-time risk, valid on its own, but not the only one.

• Sending details over the internet is a transmission risk, a second, independent channel.

• Remote storage of details is a data-at-rest risk, a third, independent channel.

Since these three risks are independent and none substitutes for another, a complete risk assessment of an electronic payment system must count all three together, so the option listing all of them is the accurate choice.