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Question
Explain 3D secure payment protocols.
Short Note
Solution
- “3-D Secure is a secure payment protocol on the Internet.
- It was developed by Visa to increase the level of transaction security, and it has been adopted by MasterCard.
- It gives a better authentication of the holder of the payment card, during purchases made on websites.
- The basic concept of this (XML-based) protocol is to link the financial authorization process with an online authentication system.
This authentication model comprises 3 domains (hence the name 3D) which are:
- The Acquirer Domain
- The Issuer Domain
- The interoperability Domain
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