In performing my own patent searches, I've come across two patents that
are surprisingly close to what Visa and MasterCard are doing with 3D Secure
and SPA. I know ATT has many patents they've lost sight of. Could these
patents be yet another valuable piece of IP ATT has no idea they
Jack,
Cardholder authentication and payment authorization are not within the scope
of 3D-Secure, so I still don't see how these tokens matter at all in context
of 3D-Secure.
While there might be some issuers opting to use hashed passwords (i.e. MD5),
most use passwords over SSL. If you are
