| 3-D Secure is a protocol developed by Visa to make online payments more secure through password authentication and cardholder verification. Visa has licensed this technology out to other major credit card brands, giving us Verified By Visa, MasterCard SecureCode, and JCB J/Secure. All three of these 3-D Secure services are supported by the /n software 3-D Secure MPI component. Here are the basics of how 3-D Secure works:
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| In order for a cardholder to be able to use the service, they must enroll, at which time they set a password. Information about the cardholder is then created in Visa's (or MasterCard's, or JCB's) "Enrollment Server", which keeps track of cardholders participating in the 3-D Secure service, and in the Access Control Servers (ACS), which are used at the time of purchase to verify cardholder enrollment. After enrollment, the cardholder is eligible to take advantage of 3-D Secure services offered by online merchants. |
