E-Commerce Beginners Guide: 3-D Secure

3-D Secure is an XML-based protocol that is utilized for authentication of cardholders in electronic transactions. 3-D Secure was initially developed by Visa for its Verified by Visa program. The protocol is also used by MasterCard for its SecureCode program and JCB for its J/Secure service.

The essence of 3-D Secure protocol is the connection of financial authorization and online authentication. Authentication process is based on 3 domain (3-D) model: acquirer domain, issuer domain and interoperability domain. The protocol uses XML messages that are sent via SSL connection. Both peers (servers and client) use digital certificates for authentication.

Each issuer identifies the authentication method used, but in the majority secret password is associated with the card. This password must be entered in the special dialog to complete the online purchase.