BgCom is based on:
- Secure communication.
- An electronic ID card ("smartcard").
- An electronic authorisation generated by the bank.
Via a card reader connected to the computer, this card provides integrated protection and strict authentication via a digital signature for all payment orders which are sent to BGC. These can be sent via the Internet, a direct telephone link (asynchronous) or ISDN.
The payment order is checked automatically against an authorisation register held by the bank. This check-up can be displayed on-screen.