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- Looking back on the earlier edits regarding Arcot Systems and keeping in mind the non-commercial, neutral POV of Wikipedia, I would like to note that although not credited in any documentation as a "co-developer" of the protocol, Arcot Systems, Inc. was definitely a contractor working for Visa to assist (or lead) in the development of the protocol. There is a large difference between a contractor and a co-developer, and a contractor is usually not cited in the publication of any results of a development project. The person who paid is the "developer" in the sense of the owner of the resulting work product, although the contractor may justifiably assert that they have special expertise in the area. But there is no way to appropriately cite that within Wikipedia. Inetdog (talk) 00:43, 18 April 2008 (UTC)
I have removed the following claim:
- Another criticism is that for the time being (April 2009), the scheme makes registration possible only from a user using a limited collection of browsers running on only 2 operating systems, notably excluding Linux or the Opera browser.
...which cited this reference from the UK website of Barclays bank:
- Verified by Visa requires the use of Windows Microsoft® Internet Explorer 5.5, 6.0 and 7.0, Windows Netscape® 7.1 and 7.2, Windows AOL ® 9, Windows Firefox® 1.0 and Macintosh Safari®. 
As far as I can see, that is just a rather badly worded FAQ. Apparently it requires Internet Explorer and Netscape and AOL and Firefox and Safari - that's a whole lot of browsers just for one card transaction, on 2 different OSes no less!
- err ... wouldn't just changing 'and' to 'or' fix this difficulty? --Brian Josephson (talk) 20:56, 11 May 2012 (UTC)
Another dubious generalisation
I've removed another dubiously general claim, this time claiming all banks in the UK have the same password reset procedure. Once again, I would like to remind anyone editting this article that 3-D Secure can be implemented differently by every bank. If anyone has specific references for which bank this is, and can think of a way of summarising it as an example (perhaps alongside the US SSN example - again, any proof that this is a country-wide policy?), feel free.
- If the buyer has forgotten his or her password, he or she is allowed to create a new password and then continue with the transaction. In the UK, the information required to reset the password is: The card number, the three-digit card security code, the expiry date, the card holder's name, and the birth date of the card holder. Since the card holder's date of birth is the only additional piece of information required beyond that needed for a purchase without 3-D Secure, the buyer's password is, effectively, only as secret as his or her date of birth. Dates of birth in the UK are available to the general public from the Registry of Births, Marriages and Deaths and the UK's Identity and Passport Service is committed to making this registry available online as part of their Digitisation Project.
- It seems this text was restored, and even expanded, so I've instead opted to summarise that section with the issues that are actually being discussed first, and the specific (or not so specific) examples afterwards.
- To clarify, my main problem with the original content was that it implied that all US banks used SSNs for account setup, and all UK banks allowed you to reset using date of birth. Since 3-D Secure is implemented independently by each bank, this seems unlikely, and my suspicion is that editors were generalising from their own experience.
- I would still like to see some citations for both claims, which might help us elucidate exactly which banks are effected. - IMSoP (talk) 23:53, 17 September 2009 (UTC)
OTP (One time password)
Some banks in India now use an OTP for enrolling and in Sri Lanka most banks transactions are via OTP (one time password) sent to mobile/ e-mail. So unless they lose mobile (or control over your email account) and card credentials, card holders are safer. Nothing is foul-proof but this is definitely a 3rd factor authentication.
For card not present/IVR tx in India the RBI has mandated OTPs. IVR is Interactive voice response / like over the phone talking to a sales rep or a mobile app.
tx is transaction. RBI is the banking authority that mandates how banks should work.
On the criticism
Also most ACSes in India do not open the screen in a pop up and all well known browsers do not allow you to hide the certificate icon so a user can always see whose site they are on.
Axis Bank is one example where the bank has invested in a sub domain so even though they have an external ACS the URL is https://secure.axisbank.com/ACSWeb/EnrollWeb/AxisBank/main/index.jsp (similar to https://cardsecurity.enstage.com/ACSWeb/EnrollWeb/KotakBank/main/reg0.jsp but on their own domain, same ACS provider but different domains, one being the banks)
I'm concerned that the flag "This article is outdated" is not correct. As far as I can see all these criticisms are currently valid. Can we remove that banner, please, or at least can someone responsible outline which information is outdated? Crgn (talk) 21:40, 21 August 2011 (UTC)
Types of card
Not sure why the term credit card is used as the protocol is for any card. Can be issued by the bank as a debit card (linked to a savings account), a credit card, a prepaid or gift card. Tgkprog (talk) 17:36, 15 March 2012 (UTC)
Password requirement abandoned?
At some point I joined this system for my Visa and Mastercards (both UK), thinking it would add security. I soon realised that if my card were stolen the thief could simply use it for an internet transaction involving a site that did not use this protection, and I concluded that this was more to protect merchants who did use the system than for my own benefit, and I regretted having signed up. Also I noticed that after a certain point in time of the order of a year ago the verification window appeared but I was no longer asked for my password and wondered why (had the banks decided the password mechanism was useless maybe?).
- you seem to have a very valid point, perhaps you should write up a polite mail outlining your concerns and send it to your bank? (I personally experienced email was the quickest method of communication) — Preceding unsigned comment added by 22.214.171.124 (talk) 02:59, 12 August 2012 (UTC)
- I think the shift of liability is the main motivation for merchants to check 3-D Secure in the first place. That mans if they check it than customer cannot claim he didn't do it. If they do not check it, than customer could hold merchant liable. It could be a struggle, but if merchant didn't use 3-D Secure, he should return the money if the card which was used for paying had been stolen Saša~shwiki (talk) 21:04, 5 August 2015 (UTC)
Do anybody know exact dates when each card issuing vendor started usage of 3-D Secure protocol. I would just like to see those history facts inside the article.Saša~shwiki (talk) 21:15, 5 August 2015 (UTC)
- "About Us: Looking ahead: Digitisation Project". General Register Office. 2009-03-29. Retrieved 2009-07-13.