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#155354 - 10th May 2007 2:03pm MasterCard SecureCode and Verified By Visa
MattLFC Offline
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Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
In this day and age of high rates of fraudulent credit card transaction, especially online, you would think that banks would be doing everything they can to help prevent fraud... We there is two systems that have the potential to cut online credit card fraud, yet they are rarely promoted by card issuers and even more rarely used by vendors. Most people have never heard of them such is the lack of promotion of the schemes.

Basically what they are is passwords to use your credit card online. With both schemes, before your payment can recieve verification, you have to enter a password first. With the MasterCard SecureCode at least, you know whether its your bank asking you for the code or a scammer, because it displays a personal message chosen by you that only you and your card issuer knows.

Now I have been registered with the MasterCard SecureCode for around 3 years now, but have used it only a couple of times. Major 3PPP's dont make use of it like PayPal, Nochex, 2checkout, WorldPay, and almost all online vendors dont make use of it. I think the Barclays ePDU uses it and thats about it.

I want to know why the hell they seem to have no interest in promoting this scheme to either users or vendors. Payment processors continue to moan about the increase in fraudulent transactions, yet refuse to make use of the only system available to help cut down on them.

I noticed recently via a message in my online banking, that my card issuer, the HSBC Bank, have now made the service available on MasterCard Debit Cards (Solo and Maestro) which means that there is even more flexibility for the service and even more protection for more cardholders, yet I bet its is still very rarely used.

Its very sad to see such a potentially great way to cut online card fraud almost killed off by vendors just simply refusing to use it.

mad

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#155367 - 10th May 2007 8:25pm Re: MasterCard SecureCode and Verified By Visa [Re: MattLFC]
Mark Offline


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Ive never heard of it frown
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#155414 - 11th May 2007 12:52pm Re: MasterCard SecureCode and Verified By Visa [Re: Mark]
AX_125 Offline

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Registered: 10th Nov 2003
Posts: 3793
Loc: Home
One of the things i really like about my online banking from LloydsTSB is the fact, you have a password, but instead of asking you to type it in, it asks you random letters of the password (eg. letter 2, 5, 9)

It would be cool to have something like that as it anyone with them horrible keystroke virus' wouldn't necessarily give away the password as they ask for different letters each time
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#155416 - 11th May 2007 12:58pm Re: MasterCard SecureCode and Verified By Visa [Re: AX_125]
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
HSBC also have this on their online banking, Abbey doesnt though (the only two banks I use).

It would certainly be a good addition to the SecureCode and Verified schemes, good idea!

smile

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