Most of the failing of SSL certificates were caused by visitors themselves. Somehow could not tests or verified by server implementation.
Here are some obvious examples:
- Your cert is validated since April 1st 2012, but the client's local machine time is set to 2010 -- one year later than current time. In this case, the visitor should encounter problem all the times, until his machine time is later than April 1st 2012.
- visitor is behind a restricted firewall. The firewall could terminate the SSL/TLS connection and re-crypt the link with a pseudo/self-sign certificate. Indeed this could be considered as a man-in-middle attach.
- The Trusted Root Certification was removed by client himself
it is very hard to fix all these problem. Sometimes, you need to create a client side native application to detect or fix all the possible problems, and require client browser to execute the application each time before it enter the HTTPS mode.
P.S. most of the e-bank application do like this.