3-D Secure


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3-D Secure

A financial protocol that provides additional authentication, such as a password, one-time password or PIN, when making a credit card purchase online. 3-D Secure is not the security code on the back of a credit card, and it also has nothing to do with three dimensions. The 3-D refers to the three domains that comprise the transaction: 1. payee; 2. bank that issued the card, and 3. type of card (credit, debit, prepaid, etc.). Visa calls 3-D Secure "Verified by Visa;" Mastercard is "Mastercard SecureCode" and American Express is "American Express SafeKey." See one-time password, password and PIN.
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References in periodicals archive ?
Entersekt has offered a 3-D Secure access control server (ACS) for many years.
The firm said that the platform allows 3DS product providers to confirm that their solutions would perform in accordance with the EMV 3-D Secure Protocol and Core Functions Specification v2.1.0.
JCB, as an international payment brand, launched its 3-D Secure technology in 2004 under the name J/Secure.
CA Risk Analytics Network and the CA Payment Security Suite support the 3-D Secure specification today, and will support the new EMV 3-D Secure 2.0 specification, which addresses authentication and security for card-not-present, e-commerce transactions using smart phones, mobile apps, digital wallets and other forms of digital payment.
"We have extensive experience and expertise in providing advanced and cost-effective ePayment solutions and hosted services to leading banks across Asia including Payment Gateway Solution (PayGate), 3-D Secure MPI and 3-D Secure ACS solutions," stated Joseph Chan, CEO and Founder of AsiaPay Group, "Along the ePayment market grows in Asia and beyond, we will continue to innovate and offer advanced ePayment solutions and technologies to meet the needs of the ever-changing market."
CA's SaaS-based multi-layered authentication solution includes CA Transaction Manager to facilitate the implementation of the Verified by Visa 3-D Secure program and CA Risk Analytics to assess card-not-present (CNP) payment transactions in real time and determine the likelihood of fraud.
The 3-D Secure solution adds an extra element of security to online transactions by tying the financial authorization process with an additional online authentication at the time of the transaction.
The Mobile 3-D Secure specification extends payment authentication initiatives into mobile commerce, enabling Visa card issuers to validate the identity of their cardholders in real time.
Designed to serve as an added layer of security for e-commerce purchases, 3-D Secure has reduced fraud rates, but has proved unpopular with consumers and merchants owing to the cumbersome user experience of many current implementations, the company said.
24 May 2013 -- California-based financial services firm Wells Fargo & Co (NYSE: WFC) said that it now offers free, 3-Domain Secure technology known in the payments industry as 3-D Secure to protect online purchases by its WellsOne Commercial Card customers.