This certificate is a X.509 certificate which has to be generated from Kount website.
Here are the steps I took to renew Kount RIS certificate:
Step 1: Login to Kount awc.kount.net (If you are a developer like me and have not logged into Kount for more than a few months, you may need to do forgot password)
Step 2: go to Admin menu > RIS Certificate > Create New certificate
(USE FIREFOX - which allows exportation of p12 file)
(p12 file will be installed inside firefox)
(export the p12 file to your local computer)
Step 3: Copy p12 file to your web server to convert to .pem and .key file there using OpenSSL
To convert from .p12 to .pem
openssl pkcs12 -clcerts -nokeys -in your_source.p12 -out your_target.pem
To convert from .p12 to .key
openssl pkcs12 -nocerts -in your_source.p12 -out your_target.key
Step 4: Make a copy of .p12 .pem .key to uniform filename used by your PHP script.
Step 5: Copy the newly generated .pem and .key files to any other web server you have.
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