What is 3D-Secure on a bank card?

Many lovers of online shopping regularly face a special 3D-Secure protection system, designed specifically for customers of the Visa international payment system, and later for MasterCard users. But what is 3D-Secure? How to connect it? What are its advantages and disadvantages? Is it possible to get around it? Does he save the intrigues of intruders?

Where can I find the 3D-Secure system

Pages of online stores are full of bright signs, advertising and attracted with attractive offers and discounts. And then everything is clear: the owners of such virtual sites use all possible ways to attract the attention of new and retain old customers.

It is clear that very few people can refuse promising promises and reduced prices, in addition to making a purchase it is enough just to enter the details of your plastic card. But is it safe to shop online? What is 3D-Secure on a bank card? How does he work? And is it able to protect you from unauthorized misappropriation of funds from your account?

What is the 3D-Secure system

3D-Secure is a special security protocol used to authorize the holder of a credit or debit card during the execution of a payment transaction via the Internet.

This technology helps to protect the seller and the bank from fraudulent transactions. However, it does not provide a guarantee for the safety of the funds of the direct owner of the plastic card.

How does the 3D-Secure protocol work?

Having general information about what 3D-Secure is, it's easy to guess how it works. For example, you decide to buy a stylish clutch in the online store of accessories, working on the above-mentioned security protocol. You added the product to the shopping cart and you see pop-ups asking you to do the following:

• Enter your payment card number;
• Specify the validity period (the date of issue (rarely) and the expiration date (more often);
• Initials of the cardholder;
• Indicate the digits of the security code CVC2 (indicated on the back of the card).

And then there is an automatic redirection to the page of your issuing bank (the credit organization that issued and maintains this card), where it will be necessary to enter an additional security code. That's what 3D-Secure is. And this code can be obtained in the following ways:

• By means of a message sent by the bank to the contact number of the mobile card holder;
• By using a special card of one-time codes or devices;
• By writing a permanent code, previously installed and known only to the cardholder and the bank.

How to connect 3D-Secure

Not all banks use a similar security system, most often this is due to the high cost of its maintenance. In particular, this applies to small credit institutions. The so-called veterans of banking (large banks with a well-developed retail network), on the contrary, adhere to this protocol and regularly use it.

In most banks that support security, the connection of 3D-Secure is carried out by default, that is, immediately upon receipt and activation of the bank card. In other cases, for connection of the protocol to the cardholders it is necessary to describe their desire in the established form of the application.

To do this, as a rule, you will need a passport and bank card details. In some financial institutions, the connection of the security system is performed manually by the client himself. This is done with the help of mobile or Internet banking (provides for the availability of an IT device and access to the Network).

What are the advantages and disadvantages of the system?

The main advantage of the system lies in the fact that all the data entered by the client for identification of his identity remain only on the server of his issuing bank and do not enter the online store. The second important plus is the use for authentication of a one-time password sent by the bank. But here there is an important disadvantage. Even such a password can be stolen and redirected to intruders using a special virus or spyware that got on your phone or tablet while viewing or downloading any information online.

And, at last, one more minus. 3D-Secure - the system is not mandatory, so not all online stores with it can work. On how to bypass 3D-Secure, read on.

How can I get around the security system

As it turned out, a serious security system has a number of shortcomings that allow attackers to easily bypass it. In particular, most of the "card villains" while stealing card data try to make purchases in those online stores that do not support the security protocol. Recall that in order for it to work, it must be supported not only by the seller, but also by your issuing bank.

When paying for goods in such stores, as a rule, only the card number and code located on the back of the card should be entered. By the way, some sellers, trying to protect their customers from the theft of their contact information and money from the card, use a small tricky trick. They apply to the issuing bank with a request to block a small amount on the buyer's account; And then the cardholder should call back to the bank, answer a series of clarifying questions for identification; Hear the exact amount of the lock and call it a representative of the online store.

How to avoid a collision with scammers

As you can see, 3D-Secure system can not guarantee 100% protection to all participants of the transaction. However, this does not mean that every cardholder can not prevent unauthorized theft of their own funds. On the contrary, everything is in your hands. It is enough to observe simple safety rules.

First, try to regularly update your antivirus on the IT-carrier, through which payments are made by card. Secondly, try not to go, and even less to make purchases on unfamiliar sites, since scammers often organize front-page Web pages in order to steal money from credit cards.

Third, set an individual limit for your credit card and download the appropriate mobile banking application to fully control the status of your account. Fourth, carefully read the text of the messages sent from the bank and the security system. And, finally, immediately contact the bank if your phone has stopped catching the operator's network, which indicates a possible re-issue of the Sim card.

Now you know what 3D-Secure is, and you are also familiar with the pros and cons of the system.