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Nowadays, most of the activities in our day-to-day lives are online. Socializing, entertainment, education and purchasing of various products and services have gone on the wire.

Instead of going for the conventional methods, people choose more laxative and easy ways to route actions right from exchanging text to exchanging money.

As network technology advanced in earlier years, users build up the trust over web-sites stability and adopted wire transfer of money since it is a more comfortable method of transaction. But like all good things, the comfort comes with a cost. The darker side of online transactions is that if not done securely, the financial information can be misused, leaving a person bankrupt.To cope up with these advanced hacks of network data, 3-D secure system for password was introduced.

3-D secure is an e-commerce application for payment system, like the one used in airline reservation systems, and an XML based protocol for implementing better security on transactions made using credit and debit cards. 3-D stands for three domains, which forms a 3-D secure password and forms an authorization process:

Acquirer domain: represents the merchant and the bank, to which the money is paid. Issuer Domain: the bank which issues the card, used for transaction. Interoperability Domain: it is the infrastructure provided by the credit card scheme to support 3-D secure protocol.

When the user starts their purchase from an e-commerce web-site and reaches the checkout counter of the web-site for final payment for the purchase, a series of steps are executed between the 3-D?s in order to authenticate both the merchant and user. When user hits the ?pay? button in his browser, following events are executed in a series while assuming user is already enrolled for 3-D secure password:

The cardholder or user, sitting in the Issuer Domain, enters the information to trigger the transaction process like entering the account number or card number etc. All the information is transferred using the secure protocol to the merchant?s server, present in Acquirer Domain. In Acquirer Domain, the merchant checks for the validity of the user, against the payment request made by the user. On successful authentication, merchant server directs the customer to the payment gateway. The payment gateway, checks for the customer?s enrollment in 3-D secure system and responds with XML-based Payment Authentication Request (PAReq) to merchant?s server. Till now, these events take place in Acquirer Domain.

The merchant?s server sends this PAReq to the cardholder?s browser, who is sitting in Issuer Domain. Merchant?s server punches a parameter onto this PAReq message. This punched parameter routes the Payment Authentication Response (PARes) message to merchant?s web site, which contains the authentication results of the cardholder. It also contains in the Accountholder Authentication Value i.e. AVV, which further helps merchant to cross check the customer?s identity.