Russ, >I'm not sure I see the same linkages you do between 3D-Secure as a >replacement for P-cards. Can you elaborate? It seems to me that the two are >solving different problems.
To be honest, being a European I don't have all the information concerning P-cards as they have failed here. But AFAIK there is a profile register held by the card issuer. I.e. this is the centralized part of this system which I don't like. 3D Secure is a way to move the payer's end-point from the actual user, to a virtual account to which the user is authenticated. This virtual account can be shared by an entire enterprise and hold user profile information which allows highly decentralized and customized administration. Anders
