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	<title>Promises of Progress &#187; verified by visa</title>
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	<description>Wits - or GTFO</description>
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		<title>Verified by phishers</title>
		<link>http://casper.warming.com/blog/2008/11/23/verified-by-phishers/</link>
		<comments>http://casper.warming.com/blog/2008/11/23/verified-by-phishers/#comments</comments>
		<pubDate>Sun, 23 Nov 2008 19:35:27 +0000</pubDate>
		<dc:creator>casper</dc:creator>
				<category><![CDATA[Fail]]></category>
		<category><![CDATA[pbs]]></category>
		<category><![CDATA[pbs fail]]></category>
		<category><![CDATA[secure]]></category>
		<category><![CDATA[verified by visa]]></category>
		<category><![CDATA[verified by visa kode]]></category>

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		<description><![CDATA[3D Secure is also known as &#8220;Verified by Visa(TM)&#8221; and &#8220;MasterCard SecureCode&#8221;. Like a lot of people, I really do not like how it is implemented - mainly due to bad UX. Normally, when I shop with a Visa or MasterCard &#8211; I&#8217;m sent (via the danish payment hub PBS) to my own online bank, where [...]]]></description>
			<content:encoded><![CDATA[<p>3D Secure is also known as &#8220;Verified by Visa(TM)&#8221; and &#8220;MasterCard SecureCode&#8221;. Like a lot of people, I really <a href="http://en.wikipedia.org/wiki/3D_Secure#Criticism">do not like how it is implemented</a> - mainly due to bad UX. Normally, when I shop with a Visa or MasterCard &#8211; I&#8217;m sent (via the danish payment hub PBS) to my own online bank, where i enter a OTP.</p>
<p>Just the other day, something had changed in the process; I was now being presented with a page from PBS. Acting on a hunch, I took extraordinary measures to confirm the authenticity of the site. Everything checked out &#8211; It was legit.</p>
<p>&#8220;<a href="http://en.wikipedia.org/wiki/Hanlon's_razor">Never attribute to malice that which can be adequately explained by stupidity.</a>&#8221; I thought &#8211; and continued.</p>
<p>Create your &#8220;Verified by Visa&#8221; code. Create my what now? Could you please tell me the purpose of this before you start asking questions. </p>
<p><a href="http://casper.warming.com/blog/wp-content/uploads/2008/12/verified-by-phishers-or-how-was-it.jpg"><img class="alignnone size-full wp-image-77" title="verified-by-phishers-or-how-was-it" src="http://casper.warming.com/blog/wp-content/uploads/2008/12/verified-by-phishers-or-how-was-it.jpg" alt="" width="394" height="390" /></a></p>
<p>The user experience was terrible. With popups and mixed languages. &#8220;Write a personal statement, that will be shown, every time you shop in a participating online shop. It&#8217;s safe for you to enter your code, when you see your personal statement.&#8221; </p>
<p>I quickly entered by &#8220;personal statement&#8221; that contained &lt;script&gt; tags.</p>
<p>But &#8211; to my astonishment, the &#8220;Personal statement&#8221; was accepted. </p>
<p><span style="color: #0000ee; text-decoration: underline;"><a href="http://casper.warming.com/blog/wp-content/uploads/2008/11/verified-by-phishers-or-how-was-it3.tiff"><img class="alignnone size-medium wp-image-85" title="verified-by-phishers-or-how-was-it3" src="http://casper.warming.com/blog/wp-content/uploads/2008/12/verified-by-phishers-or-how-was-it3.jpg" alt="" width="300" height="124" /></a></span></p>
<p>The common phishing site has better user experience than this.</p>
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