Full Text Of Cambridge Report On Verified by Visa and MasterCard SecureCode

Entities Mentioned

• Microsoft
• Mastercard
• Canada
• Visa
• USB
• LLC
• RSA
• Ross Anderson
• RBS
• Scotland
• EMV
• Steven J. Murdoch

1. Veri?ed by Visa and MasterCard SecureCode: or, How Not to Design Authentication Steven J. Murdoch and Ross Anderson Computer Laboratory, University of Cambridge, UK http://www.cl.cam.ac.uk/users/{sjm217,rja14} Abstract. Banks worldwide are starting to authenticate online card transactions using the ‘3-D Secure’ protocol, which is branded as Veri¬?ed by Visa and MasterCard SecureCode. This has been partly driven by the sharp increase in online fraud that followed the deployment of EMV smart cards for cardholder-present payments in Europe and else¬where. 3-D Secure has so far escaped academic scrutiny; yet it might be a textbook example of how not ... (Read Full Article)

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