A critical analysis of buyer authenticated credit card payment programs: the online merchant's perspective

Ally, Mustafa and Toleman, Mark (2004) A critical analysis of buyer authenticated credit card payment programs: the online merchant's perspective. In: e-Biz World Conference 2004, 25 Feb 2004, Seoul, Korea.

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[Abstract]: Recently introduced by the major credit card associations as replacements for the decommissioned SET and 3DSET protocols, the new payment models, 3DSecure and UCAF/SPA, have been designed to provide online merchants with a solution to an existing problem in online credit card transactions - the lack of an effective and efficient means of authenticating cardholders. The expected benefits arising from this added level of security from the merchant's perspective are increased consumer confidence, significant reduction in the levels of fraud and chargebacks and 'liability shift'. Using data gleaned from preliminary interviews, discussion forums and promotional material, we present a critical analysis of the potential barriers and facilitators that will impact on the widespread traction of these programs in the marketplace in the coming years.

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Item Type: Conference or Workshop Item (Commonwealth Reporting Category E) (Paper)
Refereed: Yes
Item Status: Live Archive
Additional Information: No evidence of copyright restrictions.
Faculty / Department / School: Historic - Faculty of Business - Department of Information Systems
Date Deposited: 24 Jul 2009 13:29
Last Modified: 02 Jul 2013 23:17
Uncontrolled Keywords: payment systems, credit card fraud, buyer authentication models
Fields of Research : 08 Information and Computing Sciences > 0804 Data Format > 080402 Data Encryption
15 Commerce, Management, Tourism and Services > 1503 Business and Management > 150399 Business and Management not elsewhere classified
Socio-Economic Objective: B Economic Development > 89 Information and Communication Services > 8902 Computer Software and Services > 890299 Computer Software and Services not elsewhere classified
URI: http://eprints.usq.edu.au/id/eprint/5169

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