2004, a year of conquest Cartes 2003, clear sailing! The bankcard, a driver in payment Europe The procurement card is on its way All Auchan stores to switch to EMV... ... and the Pharmacie du docteur Lafay too! CB cards: new territories! CB card: use it everywhere! Health: bankcards fighting fit Public services by bankcard Bankcards on the market Taxis: CB bankcards off the rank Bankcards, Europeans have their say! 3D-Secure: clearly identified cardholders CB Cards, better than ever!

The 3D-Secure technology provides, in particular, cardholder authentication for online purchases. A common communication protocol between the retailer, the receiving bank and the issuing bank, the 3D-Secure technology (see 3D-secure payment: contents) was presented on Cartes Bancaires's stand at the 2003 'Cartes' trade show.   Card payment request When making online purchases from a retailer accepting 3D-Secure payments, the customer enters, on the site, his/her bankcard number and its expiry date.   Authentication request On receipt of the data supplied by the customer, the MPI (retailer plug-in that processes the payment operation) sends an authentication request to the customer's bank. In return, it receives a response signed with the customer's agreement.   Authentication verification The customer's bank asks the customer to provide online authentication (for example, a password). Its access control server checks the authentication and forwards approval to the retailer.   Authorisation request The retailer's bank systematically sends an authorisation request to the customer's bank. The conventional electronic payment system takes over the transaction from this point onward. Back to top of page

– Cartes Bancaires: increasingly secure – Cartes Bancaires: a revamped web site – Payment Europe: Commission consultation!     – EMV study tour to London – The European Payment Council gets in behind security – "Chip and pin" very "In" in the UK