Copyright, 1995-2008 26 Credit-Card Transactions over the Internet 3-D Secure A Visa Initiative, but licensed to others: Verified by Visa MasterCard SecureCode JCB J/Secure For merchants and financial institutions, specifies authentication and processing procedures Requires some form of card-holder authentication, at this stage generally keying of a password/PIN http://en.wikipedia.org/wiki/3-D_Secure https://partnernetwork.visa.com/vpn/global/......retrieve_document.do?documentRetrievalId=118