What is 3D password?

Almost all the Indian banks started 3D password service for security of buyer who wants to buy online or pay online.

Why is 3D password needed?

Ans. Before compulsory this password, anyone can go to online payment option and after mentioning master card or debit card of bank and CVC or CVV code, goods can bought or payment of any product can be done. Same way, I did the payment of my svtuition.org domain to google checkout for sept. 2009 to sept. 2010. But now system is totally changed. You have to go your bank's site and generate 3d password for more secure authentication. Now, I have to pay again for domain fees for sept 2010 to sept 2011 but my order declined or failed due to this reason. So, today, I went to PNB and choose 3D secure service and generate password.

How to Create 3D password for my master card?

We already told you that your online payment will fail, if you will create 3D password, so for generating 3D password, you have to go your bank's website and then, click 3D secure service and then write your card number, CVV, pin no., and write your password and rewrite it and then click ok or submit. After this you will get thank you message.

How can I change 3D password?

After writing your card number and password and click login, you will reach my account where you can change your 3d password.

3D Password Scheme
The fact that vulnerabilities exist in preexisting password schemes, researchers are thinking of a password and authentication scheme, which is more efficient in terms of security, the paper Three-Dimensional Password for More Secure Authentication (by Fawaz A. Alsulaiman and Abdulmotaleb El Saddik, Senior Member, IEEE) is helpful in getting the insight about this mechanism. The paper also talks in-depth about several related topics, like the vulnerabilities in the current authentication schemes, the concept of 3D password scheme, its components, etc. Basically a 3D Interactive environment is created, now the way user interacts with any element or object at particular co-ordinate, in this 3D environment, this way of interaction is recorded and becomes a part of his password, now any number of such interactions can be recorded. This interaction could be, a textual password being entered on a system in 3D environment, or may be even the walking pattern of the user, all this is the choice of developer. Here is a video which describes the 3D Password Mechanism pretty well.

3D Secure
This section offers additional information and details about Bank of Ireland 3D Secure. If you cannot find an answer to your question please call Card Services on 1890 .

What is 3D Secure?
At Bank of Ireland we want to make certain that your internet purchases are as secure as possible so we have joined forces with MasterCard SecureCodeTM and Verified by VisaTM to bring you 3D Secure. 3D Secure is a free and automatic online security service that has been created to help guard your Bank of Ireland Credit Card against unauthorised use online. 3D Secure works by using a password that you create as your unique online identifier. You then use your 3D Secure Password to validate online transactions with participating online retailers. This helps to protect you from unauthorised use when spending online.

How does 3D Secure work?

When you purchase online, 3D Secure issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You sign the receipt using your personal 3D Secure Password and click 'Submit' to proceed with the purchase. Without your 3D Secure Password, the purchase cannot take place.

How does 3D Secure protect me?

Since your card is protected by your 3D Secure Password, only you can use your credit card online. This makes spending online safer than ever before.Without your 3D Secure password, the purchase cannot take place.

Will I need to apply for a new credit card to use 3D Secure?

No. You will be able to use your existing Bank of Ireland Credit Card.

When will my account be billed for 3D Secure purchases?

Your account will be billed on the same date it is billed today.

Do I have to pay for 3D Secure service?

3D Secure is a free and automatic service provided by Bank of Ireland to all credit card holders.

What are the system requirements for 3D Secure?

3D Secure requires the use of Windows Microsoft Internet Explorer 5.5, 6.0 (including 6.0 on XP SP2), 7.0 and 8.0, Windows Netscape 7.2, Windows AOL 9, Windows Firefox 1.0, 2.0 and 3.0, Opera 9.5 and Macintosh Safari.

What happens when my Bank of Ireland Credit Card expires?

When your credit card is reissued, the 3D Secure service is automatically updated with the new card information. You do not need to re-register in order to continue using the 3D Secure service.

What happens if I cancel my Bank of Ireland Credit Card and then get a new one with a different Card Number?
You will need to activate your new credit card with 3D Secure .

Why is this new online security feature called 3D Secure?

3D Secure adds another authentication step for online payments. It was developed by Visa to improve the security of Internet payments and offered to customers as the Verified by VisaTMservice. MasterCard also offer this to customers under the name MasterCard SecureCodeTM. This authentication is based on a three domain model hence the 3D in the name.

What is 'Activation During Shopping'?

Bank of Ireland Credit Card customers will be required to activate 3D Secure when spending at participating online retailers. The activation process is simple and quick and should only happen once - all you have to do is verify your identity by entering a few identifying pieces of information, and then you create your 3D Secure Password that you will submit when prompted on your future online purchases. Please make sure you read and agree to the Terms of Use, as activating 3D Secure indicates you have done so.

What cards can I activate with 3D Secure?

You can activate your Bank of Ireland Credit Card or any additional Bank of Ireland Credit Cards you hold.

Why do I have to supply personal information during activation?

The personal information you are supplying is used as a security measure to make sure you are the legitimate cardholder. The information you supply is verified against the data stored in the Bank of Ireland Credit Card database. This information is not passed to the online retailer.

Can I use the same 3D Secure Password for all of my Bank of Ireland Credit Cards?
Yes. When you activate your Bank of Ireland Credit Card with 3D Secure you will create your personal 3D Secure Password. This 3D Secure Password will be valid for the Bank of Ireland Credit Card that you have activated. You must select a 3D Secure Password between 8-15 characters, which includes at least one number and one letter. You may not use a 3D Secure Password you have used in the past. We recommend that you select a 3D Secure Password that will be easy for you to remember and difficult for others to guess. You must keep your 3D Secure Password secret, and take all reasonable precautions to prevent anyone else knowing or using it.

Can I choose not to activate 3D Secure?

Customers can choose not to activate 3D Secure initially by clicking the Do not Activate now button. However, 3D Secure will become mandatory for all customers and failure to activate 3D Secure will result in your transactions being declined.

What is a Personal Greeting?

The Personal Greeting is text that you select during activation. This text should be personal, however not secret. When the 3D Secure receipt appears online, always look for your personal greeting before you enter your 3D Secure Password to ensure that you're using the authentic Bank of Ireland 3D Secure service. Please note - you cannot select a Personal Greeting that will be identical to the 3D Secure Password. Your 3D Secure Password must be kept secret, while the Personal Greeting is openly displayed on the receipt. The Personal Greeting option is only available to Bank of Ireland MasterCard Credit Cardholders.

I activated 3D Secure. Can I activate it for additional cards?

Your additional cardholders will be prompted to activate 3D Secure for their credit card when they spend with participating online retailers. They will follow the same activation process and will then create their own 3D Secure Password. Additional cardholders must enter their own date of birth, but the primary cardholders mothers maiden name.

What is the 3 Digit Security Number?

The 3 Digit Security Number is the last three digits that appear on the back of your card. It is used as an extra security measure to make sure you are in the possession of the card you are activating.

What do I do if I have problems during the activation process?

Please contact Bank of Ireland Card Services on 1890 251 251. We will be happy to assist you with any problems and answer any questions you may have.

How do I spend online with 3D Secure?

3D Secure is an automatic service that is provided during the checkout process with participating online retailers. At the end of the checkout process, Bank of Ireland 3D Secure will issue a receipt including details of your current purchase, such as site name, purchase amount and date. You sign the receipt using your personal 3D Secure Password, and click 'Submit' to proceed with the purchase. Without your 3D Secure Password, the purchase cannot take place. The receipt will be branded Bank of Ireland and will also include either the MasterCard SecureCode or Verified by Visa logo.

Where can I spend online with 3D Secure?

There are now over 350,000 online retailers worldwide participating in 3D Secure .

What should I do if I spend online but the 3D Secure screen does not appear?
Firstly check whether the online retailer is a participating 3D Secure merchant look out for the MasterCard SecureCode or Verified by Visa logo. If the online retailer is participating in the 3D Secure scheme contact their customer service department.

What should I do if I spend online but the 3D Secure receipt does not appear?
Firstly check whether the online retailer is a participating 3D Secure merchant look out for the MasterCard SecureCode or Verified by Visa logo. If the online retailer is participating in the 3D Secure scheme contact their customer service department.

Can I spend with online retailers that do not participate in the 3D Secure service?
Yes. However you will not be able to use 3D Secure. To complete a purchase with these online retailers, simply follow the regular checkout process.

I forgot my 3D Secure Password. What should I do?

Simply follow the normal check out process and when the 3D Secure receipt appears requesting your 3D Secure Password select the Forgot your Password link that appears on screen. You will firstly need to verify your identity by entering a few identifying pieces of information, and you will then be able to create a new 3D Secure Password.

My 3D Secure account has been locked what do I do?

Call Bank of Ireland credit card services on 1890 251 251 or +353 56 7757747 from abroad to unlock your 3D Secure account. Once your 3D Secure account has been unlocked, you will be able to immediately go back online, activate during shopping and create a new 3D Secure Password.

I don't see my Personal Greeting on the receipt. What should I do?

The Personal Greeting option is only available to Bank of Ireland MasterCard Credit Cardholders. If you hold a Bank of Ireland MasterCard Credit Card and created a personal greeting, it should appear on the screen. If your personal greeting does not appear on the screen, please do not input your 3D Secure Password and contact our customer service team on 1890 251 251. Always look for your personal greeting before submitting your 3D Secure Password.

The Personal Greeting on the receipt is not mine. What should I do?
Always look for your personal greeting before submitting your 3D Secure Password. If a personal greeting other than yours appears on the screen, please do not sign it and contact our customer service team on 1890 251 251.

Welcome to State Bank of India 3D-Secure Service

Verified by Visa (VBV) is an easy to use, secured online payment service from State Bank of India that lets you shop securely online with your existing State Bank of India Visa Debit Card. This service through a simple checkout process, confirms your identity when you make purchases on the Internet.

Learn More

Through a personal assurance message displayed on the screen and which is shared only between you and the bank, the authenticity of the page requesting your authentication is assured. We suggest you to keep changing your password at regular intervals for increased safety.