<P> 3 - D Secure is an XML - based protocol designed to be an additional security layer for online credit and debit card transactions . It was originally developed by Arcot Systems ( now CA Technologies ) and first deployed by Visa with the intention of improving the security of Internet payments and is offered to customers under the name Verified by Visa . Services based on the protocol have also been adopted by MasterCard as MasterCard SecureCode , and by JCB International as J / Secure . American Express added 3 - D Secure on November 8 , 2010 , as American Express SafeKey , in select markets and continues to launch additional markets . Analysis of the protocol by academia has shown it to have many security issues that affect the consumer , including greater surface area for phishing and a shift of liability in the case of fraudulent payments . </P>
<P> 3 - D Secure is an XML - based protocol designed to be an additional security layer for online credit and debit card transactions . It was originally developed by Arcot Systems ( now CA Technologies ) and first deployed by Visa with the intention of improving the security of Internet payments and is offered to customers under the name Verified by Visa . Services based on the protocol have also been adopted by MasterCard as MasterCard SecureCode , and by JCB International as J / Secure . American Express added 3 - D Secure on November 8 , 2010 , as American Express SafeKey , in select markets and continues to launch additional markets . Analysis of the protocol by academia has shown it to have many security issues that affect the consumer , including greater surface area for phishing and a shift of liability in the case of fraudulent payments . </P>
which protocol does https use to offer greater security in web transaction
which protocol does https use to offer greater security in web transaction
3 - D Secure
3 - D Secure