!!! Overview[1]
[{$pagename}] is an [XML]-based [protocol] designed to be an additional security layer for online [Payment Card] card transactions.

[{$pagename}] was originally developed by Arcot Systems (now [Computer Associates]) 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 [{$pagename}] 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.

[{$pagename}] [{$applicationname}] refers you to Wikipedia: [3-D_Secure|Wikipedia:3-D_Secure|target='_blank']

!! More Information
There might be more information for this subject on one of the following:
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* [#1] - [3-D_Secure|Wikipedia:3-D_Secure|target='_blank'] - based on information obtained 2017-05-21-