3-D Secure technology is an open standard aimed at reducing online fraud and increasing consumer confidence in online shopping by authenticating the identity of individual cardholders in online transactions. This technology has been developed by Visa and has been adopted now by major payment associations such as Visa, MasterCard and JCB.

With the joint solution, based on iBIZ' CommerSafe ACS and Gemplus' GemAuthenticate, instead of using passwords, cardholders are now authenticated in the same way as they do payments at the Point of Sale: simply by entering their smart banking card into a reader and their personal PIN code. An important benefit of the joint solution is that it helps banks reduce their increasing password management costs as no new passwords need to be issued to users. Today, up to 80% of helpdesk calls are due to password management issues, as these are easily forgotten or stolen. This unique offer can be deployed to all bank's customers as it is fully compliant with all EMV smart banking cards and payment schemes such as Visa, MasterCard, American Express and JCB.

"Cardholders are now offered a secure and very convenient shopping solution that will encourage them to spend more with each purchase and use their banking card more frequently, thus helping banks to fully leverage their EMV investment." said Claire Laffanour-Ferrand, marketing manager at Gemplus.

"Gemplus, the global leader in smart card technology, is a perfect fit for our iBIZness Technology Partner program," said Yaron Charka, CEO of iBIZ Software. "iBIZ customers will benefit greatly from this new enhancement of CommerSafe ACS by having the widest range of authentication methods available under 3-D Secure."