Because the countries where VISA and MASTER are mainly popular require registration by compulsory measures, the 3D verification system on the Internet hinders about 90% of effective transactions, but it also greatly reduces the possibility of malicious fraud by merchants. Only the cardholder knows the personal password and personal confirmation information, so it can effectively avoid the occurrence of transaction disputes such as malicious refusal to pay and online fraud, and protect the interests of merchants. Private password protection enhances the cardholder's confidence in online payment. When the cardholder makes online payment on the issuer's website, in addition to the credit card number and validity period, he must also enter the personal password set in the registration "three-dimensional verification". Check the personal confirmation information to give you double protection. When you register for 3D Verification, you need to set personal confirmation information. Later, when you make online payment, you can check whether the personal confirmation information is correct to ensure that you are using a secure "three-dimensional authentication" payment system.