3D Secure technology introduced by “MilliKart” has been updated and high level of security is ensured to protect against fraud in online environment. It’s worth to be remained that to use this service the customer first needs to register his/her phone number in the bank and getting registration on the 3D Sign up page to set 3D password up. After registration, for payments in online stores user by entering a special “3D” password can successfully complete the process. Set by customer special password in this case is static and not prone to any changes. “MilliKart” is currently achieved dynamism of password. Features of the dynamic password that to the registered mobile phone number of the customer while each payment randomly generated six-digit (6) one-time password (OTP) is sent and entering this password the client identifies himself/herself.

Due to the fact that the authentication is based on three (3) domain model the technology is called 3D Secure.