3D Secure Service in India
The second part acts as a media between the two domains. This domain basically holds some data related to the history of transactions made and also acts as an intermediate that transfers data from one domain to another. This domain is called the interoperability domain.
The third part constitutes of the retailer and the bank that holds the transactions made to the merchant. This domain interacts with the issuer domain directly and sometimes through the interoperability domain during the process of transaction.
Once the registration is complete the data flow takes place through the following route.
Issuer server (bank server) -> Access control server -> Visa directory
In the above route the Visa directory stays at interoperability domain. Here as and when the transaction takes place through 3D Secure it gets registered as authentication history.
Now when a customer visits a shopping site and clicks on purchase option the process starts off. There will be two phases of check. The retailer’s plug-in checks with the visa directory whether this customer has made any transactions earlier or checks the customer’s registration for 3D secure. The visa directory checks this information with access control server and transaction history.
Once the information about the customer’s registration gets back to the retailer’s plug-in it will send a message to the access control server will be sent through another route where it goes through the customer’s browser. This message is called a request to authenticate the customer. This authentication is done by the access control server. Here the customer will type password to identify himself. Later the return message goes through the same customer’s browser and reaches the retailer’s plug-in. Once this authentication is complete the transaction takes place in a smooth way.
- ICICI bank
- Union Bank of India
- Citi bank