The 3D Secure Protocol: Implementation Flaws and Possible Resolutions
National Data Privacy Day is celebrated annually on January 28th in the United States, Canada, and a few European countries, with a focus on educating computer users about the protection of personally identifiable information on the World Wide Web. As we move towards a world where a significant portion of one’s daily life involves interaction with the World Wide Web, the National Data Privacy Day aims to bring about an increased awareness among users about protection of their online rights, methods to control personally identifiable information online, and regulations currently in place to that effect. The focus revolves around end-user education, even in scenarios where the technology used to ensure end-user privacy may not be adequate due to implementation flaws. An example of such an unfortunate scenario was recently demonstrated by researchers at the University of Cambridge, United Kingdom (UK). The researchers published a paper that describes implementation flaws in the 3D Secure (3DS) protocol, used for authentication verification when Visa or MasterCard based credit card transactions are performed (Verified by Visa/MasterCard SecureCode). The paper suggests that the approach to securing credit card transactions is liability driven, rather than security driven, ultimately resulting in a protocol implementation that is not end-user friendly.
Posted by Prasanna Sambasivan at 12:37PM PST








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