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               Mdalian@cc.iut.ac.ir                                           brnjkb@cc.iut.ac.ir                                    masoudkoleini@yahoo.com


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1
    Credit and Debit
             3D Secure

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1
  Secure Electronic Transaction
2
  Public Key Infrastructure
3
  Secure Socket Layer
4
  Cardholder
5
  Merchant
6
  Issuer
7
  Acquirer
                                                                           %+,- (!       )* %' %&                                                                 !" #$

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1
    Internet Payment Service Provider
2
    Certificate Authority
3
    Universal Cardholder Authentication Field/ Secure Payment Algorithm
4
    Interoperability Domain
5
    Merchant Plug In
6
    Web Page
7
    Directory Server
        3D Secure

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1
    Personal Assurance Message
2
    Verify Enrollment Request
                                                                                 %+,- (!                    )* %' %&                                                     !" #$

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1
  Verify Enrollment Response
2
  Payer Authentication Request
3
  Payer Authentication Response
4
  SSL Client Certificate
5
  SSL Server Certificate
         3D Secure

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1
    One Time PIN
                                                                          %+,- (!          )* %' %&                                                                         !" #$

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1
    Order Description Field
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            3D Secure

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                                                                                                                                                LM
[1] Bellare, M., Garay, J. A., Herzberg, A., Krawczyk, H., Steiner, M., Tsudik, G., Herreweghen, V., Waidner, M.,
     “Design, Implementation, and Deployment of the iKP Secure Electronic Payment System”, IEEE Journal on
     Selected Areas in Communications, Vol. 18, No. 4, April 2000
[2] Gpayments Inc. “Visa 3D Secure vs. Mastercard SPA, A comparison of online Authentication Standards”,
     Authentication and Payment Solutions whitepaper, March 2002
[3] Visa International, ”3D Secure Introduction”, Visa International Service Association, Publication 70001-01,
     Version 1.0.2, September 26, 2002.
[4] Visa International, ”3D Secure Protocol Specifications, Core Functions”, Visa International Service
     Association, Publication 70000-01, Version 1.0.2, July 16, 2002, Errata as of January 20, 2004.
[5] Nakagawa, C., “Securing ePayment, A Survey”, GIAC Security Essentials Certification (GSEC), September 20, 2004.
[6] Visa International, ”3D Secure Functional Requirements, Access Control Server”, Visa International Service
     Association, Publication 70002-01, Version 1.0.2, July 16, 2002, Errata as of January 20, 2004.
[7] European Committee for Banking Standards, “Secure Card Payments on The Internet”, Version 1.0, November 2002.
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Description: SET (Secure Electronic Transaction) is IBM, International credit card (VISA / MasterCard) and related companies jointly develop electronic transactions for network security protocols, which used the RSA public key encryption security, with data confidentiality, data integrity, Data sources can be identified and irrefutable, is used to protect consumer payment card transactions in the Internet security standards. SET 1.0 version in June 1997 formally published. Now, SET has been recognized by the international electronic commerce transactions in the Internet security standards.