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CB, French payment system
CB, a card payment system, is the leader in France with more than 10 billion transactions per year. The system is managed by the Groupement des Cartes Bancaires CB.

Securing online purchases

Securing online purchases

Additional security for online purchases: 3D Secure


In an e-commerce transaction, the customer must provide at least the number of their CB card, its date of expiry and the 3 figures shown on the back of the card.

 

CB

 

An additional layer of security has been introduced for online transactions with "3D Secure": this is a set of procedures for authenticating the holder of the card who ordered the payment.

 

Specific authentication procedures have been implemented in three areas (3-D): the relationship between the bank and its cardholder customer, the relationship between the bank and its e-merchant customer, and the relationship between the customer’s bank and the e-merchant’s bank. 

 

In concrete terms, for the holder who makes a "3D-S" e-commerce purchase, this results in procedures that may vary from one bank to another: 

 

  •   A non-replayable code sent by SMS to the portable telephone number given to your bank
  •  A procedure of the "battleship" type, during which, using a grid supplied by your bank, you enter the code located in the box specified during the transaction
  •  Portable smartcard reader, which calculates a cryptogram specific to the transaction
  •  A token, a screen dedicated to calculating a value
  • Request to enter data chosen by the holder of the card

 

How does an on-line payment proceed? 

 

secure payment transaction over the internet

 CB settlement transaction

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