<?xml version="1.0"?>
<feed xmlns="http://www.w3.org/2005/Atom" xml:lang="en-GB">
	<id>https://wiki-dev.treasurers.org/w/index.php?action=history&amp;feed=atom&amp;title=3D_Secure</id>
	<title>3D Secure - Revision history</title>
	<link rel="self" type="application/atom+xml" href="https://wiki-dev.treasurers.org/w/index.php?action=history&amp;feed=atom&amp;title=3D_Secure"/>
	<link rel="alternate" type="text/html" href="https://wiki-dev.treasurers.org/w/index.php?title=3D_Secure&amp;action=history"/>
	<updated>2026-04-26T20:07:16Z</updated>
	<subtitle>Revision history for this page on the wiki</subtitle>
	<generator>MediaWiki 1.40.0</generator>
	<entry>
		<id>https://wiki-dev.treasurers.org/w/index.php?title=3D_Secure&amp;diff=76&amp;oldid=prev</id>
		<title>imported&gt;Doug Williamson: Layout.</title>
		<link rel="alternate" type="text/html" href="https://wiki-dev.treasurers.org/w/index.php?title=3D_Secure&amp;diff=76&amp;oldid=prev"/>
		<updated>2022-10-15T19:26:43Z</updated>

		<summary type="html">&lt;p&gt;Layout.&lt;/p&gt;
&lt;table style=&quot;background-color: #fff; color: #202122;&quot; data-mw=&quot;interface&quot;&gt;
				&lt;col class=&quot;diff-marker&quot; /&gt;
				&lt;col class=&quot;diff-content&quot; /&gt;
				&lt;col class=&quot;diff-marker&quot; /&gt;
				&lt;col class=&quot;diff-content&quot; /&gt;
				&lt;tr class=&quot;diff-title&quot; lang=&quot;en-GB&quot;&gt;
				&lt;td colspan=&quot;2&quot; style=&quot;background-color: #fff; color: #202122; text-align: center;&quot;&gt;← Older revision&lt;/td&gt;
				&lt;td colspan=&quot;2&quot; style=&quot;background-color: #fff; color: #202122; text-align: center;&quot;&gt;Revision as of 19:26, 15 October 2022&lt;/td&gt;
				&lt;/tr&gt;&lt;tr&gt;&lt;td colspan=&quot;2&quot; class=&quot;diff-lineno&quot; id=&quot;mw-diff-left-l31&quot;&gt;Line 31:&lt;/td&gt;
&lt;td colspan=&quot;2&quot; class=&quot;diff-lineno&quot;&gt;Line 31:&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td class=&quot;diff-marker&quot;&gt;&lt;/td&gt;&lt;td style=&quot;background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;&quot;&gt;&lt;br/&gt;&lt;/td&gt;&lt;td class=&quot;diff-marker&quot;&gt;&lt;/td&gt;&lt;td style=&quot;background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;&quot;&gt;&lt;br/&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td class=&quot;diff-marker&quot;&gt;&lt;/td&gt;&lt;td style=&quot;background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;&quot;&gt;&lt;br/&gt;&lt;/td&gt;&lt;td class=&quot;diff-marker&quot;&gt;&lt;/td&gt;&lt;td style=&quot;background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;&quot;&gt;&lt;br/&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td class=&quot;diff-marker&quot; data-marker=&quot;−&quot;&gt;&lt;/td&gt;&lt;td style=&quot;color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;&quot;&gt;&lt;div&gt;3D Secure is also known as payer authentication.&lt;/div&gt;&lt;/td&gt;&lt;td class=&quot;diff-marker&quot; data-marker=&quot;+&quot;&gt;&lt;/td&gt;&lt;td style=&quot;color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;&quot;&gt;&lt;div&gt;3D Secure is also known as &lt;ins style=&quot;font-weight: bold; text-decoration: none;&quot;&gt;''&lt;/ins&gt;payer authentication&lt;ins style=&quot;font-weight: bold; text-decoration: none;&quot;&gt;''&lt;/ins&gt;.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td class=&quot;diff-marker&quot;&gt;&lt;/td&gt;&lt;td style=&quot;background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;&quot;&gt;&lt;br/&gt;&lt;/td&gt;&lt;td class=&quot;diff-marker&quot;&gt;&lt;/td&gt;&lt;td style=&quot;background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;&quot;&gt;&lt;br/&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td class=&quot;diff-marker&quot;&gt;&lt;/td&gt;&lt;td style=&quot;background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;&quot;&gt;&lt;br/&gt;&lt;/td&gt;&lt;td class=&quot;diff-marker&quot;&gt;&lt;/td&gt;&lt;td style=&quot;background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;&quot;&gt;&lt;br/&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</summary>
		<author><name>imported&gt;Doug Williamson</name></author>
	</entry>
	<entry>
		<id>https://wiki-dev.treasurers.org/w/index.php?title=3D_Secure&amp;diff=75&amp;oldid=prev</id>
		<title>imported&gt;Doug Williamson: Create page. Sources: Securionpay webpage https://securionpay.com/blog/3d-secure/ and Air France webpage https://www.airfrance.co.uk/GB/en/common/faq/online-bookings-and-check-in/what-does-3d-secure-mean.htm</title>
		<link rel="alternate" type="text/html" href="https://wiki-dev.treasurers.org/w/index.php?title=3D_Secure&amp;diff=75&amp;oldid=prev"/>
		<updated>2019-07-22T08:57:45Z</updated>

		<summary type="html">&lt;p&gt;Create page. Sources: Securionpay webpage https://securionpay.com/blog/3d-secure/ and Air France webpage https://www.airfrance.co.uk/GB/en/common/faq/online-bookings-and-check-in/what-does-3d-secure-mean.htm&lt;/p&gt;
&lt;p&gt;&lt;b&gt;New page&lt;/b&gt;&lt;/p&gt;&lt;div&gt;''Payments - authentication''.&lt;br /&gt;
&lt;br /&gt;
(3DS).&lt;br /&gt;
&lt;br /&gt;
3D Secure is a security protocol used by Visa and MasterCard to combat fraud in online credit and debit card transactions.&lt;br /&gt;
&lt;br /&gt;
It is branded as ‘Verified by Visa’ and ‘MasterCard SecureCode’.&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
The name 3D Secure derives from 3-domain structure.&lt;br /&gt;
&lt;br /&gt;
The authentication is a three-part process, with three parties involved: &lt;br /&gt;
&lt;br /&gt;
*the card issuer, such as Visa or MasterCard&lt;br /&gt;
*the acquirer, and&lt;br /&gt;
*the interoperability domain, such as the payment system.&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
When a customer uses a card that is enrolled in the 3D Secure programme:&lt;br /&gt;
&lt;br /&gt;
#The customer enters their card information via the merchant's website&lt;br /&gt;
#The acquirer contacts a directory server and gets the message that the card is registered in the 3D Secure programme&lt;br /&gt;
#The customer sees the 3D Secure page when they need to authenticate themselves to the issuing bank by entering a password or a one time PIN, often sent to a smartphone&lt;br /&gt;
#The result of the 3D Secure authentication goes to the merchant, and the merchant submits transaction details to the acquiring bank&lt;br /&gt;
#The transaction is authorised by the acquirer&lt;br /&gt;
#The customer sees the response about whether the transaction succeeded or failed&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
In the case of a fraudulent transaction, once it has been authenticated through 3D Secure, it is very likely that liability will shift to the acquirer. &lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
3D Secure is also known as payer authentication.&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
== See also ==&lt;br /&gt;
* [[PSD2]]&lt;br /&gt;
* [[Regulatory Technical Standard]]&lt;br /&gt;
* [[Strong Customer Authentication]]&lt;br /&gt;
* [[Two-factor authentication]]&lt;br /&gt;
&lt;br /&gt;
[[Category:The_business_context]]&lt;br /&gt;
[[Category:Identify_and_assess_risks]]&lt;br /&gt;
[[Category:Manage_risks]]&lt;br /&gt;
[[Category:Cash_management]]&lt;br /&gt;
[[Category:Financial_products_and_markets]]&lt;br /&gt;
[[Category:Technology]]&lt;/div&gt;</summary>
		<author><name>imported&gt;Doug Williamson</name></author>
	</entry>
</feed>