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<DIV dir=ltr align=left><SPAN class=940571300-12012007><FONT face=Arial
color=#0000ff size=2>Gabe, the system overview PDF states on page
1:</FONT></SPAN></DIV>
<DIV dir=ltr align=left><SPAN class=940571300-12012007>
<P><SPAN class=940571300-12012007>"</SPAN>This work is proprietary and
confidential information of Visa International Service Association and may be
disclosed and used only as authorized by Visa.<SPAN
class=940571300-12012007>"</SPAN></P></SPAN></DIV>
<DIV><SPAN class=940571300-12012007></SPAN><SPAN
class=940571300-12012007></SPAN><FONT face=Arial><FONT color=#0000ff><FONT
size=2><SPAN class=940571300-12012007>So, although publicly available, the doc
seems not to be public.</SPAN></FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2><SPAN
class=940571300-12012007></SPAN></FONT></FONT></FONT> </DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2><SPAN
class=940571300-12012007></SPAN>-<SPAN
class=940571300-12012007>Hans</SPAN></FONT></FONT></FONT><BR></DIV>
<BLOCKQUOTE dir=ltr
style="PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #0000ff 2px solid; MARGIN-RIGHT: 0px">
<DIV class=OutlookMessageHeader lang=en-us dir=ltr align=left>
<HR tabIndex=-1>
<FONT face=Tahoma size=2><B>From:</B> general-bounces@openid.net
[mailto:general-bounces@openid.net] <B>On Behalf Of </B>Gabe
Wachob<BR><B>Sent:</B> Thursday, January 11, 2007 3:49 PM<BR><B>To:</B>
'openid-general'<BR><B>Subject:</B> [OpenID] Visa's 3-D
Secure<BR></FONT><BR></DIV>
<DIV></DIV>
<DIV class=Section1>
<P class=MsoNormal><FONT face=Arial size=2><SPAN
style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">I’ve mentioned this to several
people before because OpenID is similar in architecture and intent to Visa’s
3-D Secure (the technology behind Verified by Visa and Mastercard’s SecureCode
– password authentication for ecommerce use of credit cards), something I
spent a lot of time with while I was at Visa. 3-D Secure was deployed
several years ago and has met with varying levels of success. I’ve been
frustrated because the specs are not available publicly without executing a
license and thus lessons from 3-D secure are hard to discuss in the context of
OpenID. <o:p></o:p></SPAN></FONT></P>
<P class=MsoNormal><FONT face=Arial size=2><SPAN
style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"><o:p> </o:p></SPAN></FONT></P>
<P class=MsoNormal><FONT face=Arial size=2><SPAN
style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">I finally found a public summary
of 3-D secure here: <A
href="http://partnernetwork.visa.com/pf/3dsec/download/trk_3dsec_system_overview_v102.pdf">http://partnernetwork.visa.com/pf/3dsec/download/trk_3dsec_system_overview_v102.pdf</A>
(there’s a ton of non-technical stuff, but there’s a good amount of technical
detail – page 15 onwards). <o:p></o:p></SPAN></FONT></P>
<P class=MsoNormal><FONT face=Arial size=2><SPAN
style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"><o:p> </o:p></SPAN></FONT></P>
<P class=MsoNormal><FONT face=Arial size=2><SPAN
style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">There’s also another less
technical document discussing the benefits and architecture of 3-D Secure for
various stakeholders: <A
href="http://partnernetwork.visa.com/pf/3dsec/download/trk_3dsec_intro_v102.pdf">http://partnernetwork.visa.com/pf/3dsec/download/trk_3dsec_intro_v102.pdf</A><o:p></o:p></SPAN></FONT></P>
<P class=MsoNormal><FONT face=Arial size=2><SPAN
style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"><o:p> </o:p></SPAN></FONT></P>
<P class=MsoNormal><FONT face=Arial size=2><SPAN
style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">The 3-D Secure main page is here:
<A
href="http://partnernetwork.visa.com/pf/3dsec/main.jsp">http://partnernetwork.visa.com/pf/3dsec/main.jsp</A><o:p></o:p></SPAN></FONT></P>
<P class=MsoNormal><FONT face=Arial size=2><SPAN
style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"><o:p> </o:p></SPAN></FONT></P>
<P class=MsoNormal><FONT face=Arial size=2><SPAN
style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"><o:p> </o:p></SPAN></FONT></P>
<P class=MsoNormal><FONT face=Arial size=2><SPAN
style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">
-Gabe<o:p></o:p></SPAN></FONT></P>
<P class=MsoNormal><FONT face=Arial size=2><SPAN
style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"><o:p> </o:p></SPAN></FONT></P></DIV></BLOCKQUOTE></BODY></HTML>