Measuring 3-d Secure and 3d Set against E- Commerce End-user Requirements

The threat of credit card fraud is arguably the most serious issue of concern to e-commerce participants, including consumers and merchants. SSL/TLS and SET are two widely discussed means of securing online credit card payments. Because of implementation issues, SET has not really been adopted by e-commerce participants, whereas, despite the fact that it does not address all security issues, SSL/TLS is commonly used for Internet e-commerce security. The three-domain (3D) security schemes, including 3-D Secure and 3D SET, have recently been proposed as ways of improving ecommerce transaction security. These schemes can provide the participants in an e-commerce transaction with a greater range of security services than provided by naive use of SSL/TLS, without introducing significant implementation complexity for merchant or consumer. However, in ecommerce, not only security requirements but also implementation requirements must be considered. This article contrasts the effectiveness of 3-D Secure and 3D SET in meeting e-commerce end-user requirements, including both security and implementation issues.