define 3ds
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@ -140,10 +140,9 @@ site, tend to be of smaller commercial value than traditional
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transactions involving the exchange of physical goods. Consequently,
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transactions involving the exchange of physical goods. Consequently,
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if we want to associate payments with these types of transactions, we
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if we want to associate payments with these types of transactions, we
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face the challenge of reducing the mental and technical overheads of
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face the challenge of reducing the mental and technical overheads of
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existing payment systems. For example, executing a 3DS payment
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existing payment systems. For example, executing a 3-D Secure~\cite{3DSsucks} payment
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process (Figure~\ref{fig:cc3ds}) takes too long, is way too complex,
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process (Figure~\ref{fig:cc3ds}) takes too long, is way too complex,
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and way too expensive to be used for payment for typical Web articles.
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and way too expensive to be used for payment for typical Web articles.
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%KG: Define 3DS. I have no idea WTF you're talking about throughout the paper with this.
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Addressing this problem is urgent: ad-blocking technology is eroding
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Addressing this problem is urgent: ad-blocking technology is eroding
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advertising as a substitute for micropayments~\cite{adblockblocks},
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advertising as a substitute for micropayments~\cite{adblockblocks},
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@ -264,7 +263,7 @@ issued by the customer's bank.
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\begin{center}
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\begin{center}
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\includegraphics[width=0.95\textwidth]{figs/cc3ds.pdf}
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\includegraphics[width=0.95\textwidth]{figs/cc3ds.pdf}
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\end{center}
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\end{center}
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\caption{Card payment processing with 3DS. (From: W3C Web Payments IG.)}
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\caption{Card payment processing with 3-D Secure (3DS). (From: W3C Web Payments IG.)}
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\label{fig:cc3ds}
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\label{fig:cc3ds}
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\end{figure*}
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\end{figure*}
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%KG: I hope they can print this larger, because this is WAY too small to be of any use.
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%KG: I hope they can print this larger, because this is WAY too small to be of any use.
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@ -294,7 +293,7 @@ the customer's bank. Figure~\ref{fig:cc3ds} shows a typical card-based payment
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process on the Web using the UML style of the W3C payment interest
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process on the Web using the UML style of the W3C payment interest
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group~\cite{pigs}. Most of the details are not relevant to this
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group~\cite{pigs}. Most of the details are not relevant to this
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paper, but the diagram nicely illustrates the complexity of the common
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paper, but the diagram nicely illustrates the complexity of the common
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3-D secure (3DS) process.
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3-D secure process.
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%KG: Define 3DS the FIRST time you use it.
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%KG: Define 3DS the FIRST time you use it.
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Given this process, there is an inherent risk of information leakage
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Given this process, there is an inherent risk of information leakage
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