A digital certificate is a unique electronic document that identifies an individual or organization. It uses public key infrastructure (PKI) to allow secure data exchange over the internet. A digital certificate contains a public key and is digitally signed by a certificate authority (CA) that verifies the identity of the requester. When user A sends a message to user B, user B can verify user A's certificate by checking the CA's digital signature on the certificate using the CA's public key. Digital certificates are important for secure communication, online banking, expanding e-commerce, and protecting against online threats. The major types are SSL certificates for servers, code signing certificates for software, and client certificates for identifying individuals.