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Jean-Luc Pellegrinelli, Manager of Electronic
Payments, Cartes Bancaires, outlines the main principles and advantages
of 3D-Secure.
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Advantages and strengths of 3D-Secure
The current security techniques for Internet payments already provide
a solution to the protection of the buyer's bank details, but do not
provide proof of the buyer's commitment to pay, nor do they provide
proof of identity or even that the transaction is legitimate.
The need to authenticate cardholders had become essential; it is the
CB bankcard-issuing bank that authenticates the cardholder and provides
the merchant with proof of that authentication. This solution entailed
the adoption of a common communication protocol between the merchant,
the acquirer bank and the issuing bank: this is what is called 3D-Secure,
the technology that has been adopted by the international networks
(MasterCard and Visa) and the CB banking community.
Main
features of 3D-Secure
The stakeholders in the transaction are broken down into three distinct
domains (3D technology). Each domain involves electronic payment components
as the transaction progresses.
The 3D-Secure technology enables the merchant's plug-in (MPI) to check
that the cardholder is registered with a secure payment system. It
provides the Internet details of the issuing bank (ACS), which then
authenticates the cardholder. |
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