The Most Cost Effective, Mobile, Secure And Application Independent Offering On The Market Today

Powered 3DAS™

Identity & Payments Made Simple
The Key to eCommerce


17 September 1999


Introducing E*MERGE® powered by 3DAS™

Guaranteeing Identity and secure payments The Foundation for eCommerce

The explosive growth of the Internet promises much. Organisations can extend their reach to hundreds of millions of new and profitable customers. Unfortunately, a powerful brake is holding back the growth of eCommerce:  Distrust. Fear is firmly fixed in the minds of businesses about the true identity of parties on the Internet.  Simultaneously consumers fear sending sensitive personal and financial information over an open and insecure Internet. Both these fears are fuelled by regular Press reports telling of fraud by criminals and easy intrusion by hackers. And with no viable, ready-to-market, bank-led solutions to turn to, these reports will continue to discourage millions of businesses and consumers from buying through this inexpensive and already available sales channel.

For Business-to-Business eCommerce to thrive, a means of guaranteeing the Identity of the parties on the Internet is a mandatory requirement.  Moreover, for Business-to-Consumer eCommerce to thrive, consumer must be confident and have access to a proven economically sound secure payment system.  One that the banks can trust, is cost-effective for sellers, and is mobile while easy to use for buyers.   Ultimately digital trust capable of assuring the irrefutability of any Internet transaction is essential.

Unicate believes that E*MERGE® powered by 3DAS™ provides the answer. Not only does this new technology give complete security, it is portable, providing a cost-effective method to authenticate the identity of each party in a transaction anywhere on the Internet. Being intuitively obvious for the buyer to use, user confidence is maximised.

E*MERGE® powered by 3DAS™ provides today the perfect identification
and Secure payment system for everyone to securely trade over the Internet.

Why is E*MERGE® powered by 3DAS™ superior to other solutions?

A number of companies and consortia have attempted to assure authenticity using Smart Cards. Others propose digital certificates locked inside insecure PCs. From this work, SET or "Secure Electronic Transaction" has been proposed. However, SET is not the answer. It is generally agreed that SET will impose a costly and unacceptable cryptographic computational burden. Nor is SSL a solution. This is only a line encryption system between two points and simply cannot secure sensitive information inside a PC or merchant server. Some propose adding a Public Key system on top of SSL. However, as with SET, this demands a single, global, legal and technical Public Key certification infrastructure. Even if anyone would be willing to accept the cost of the incremental computational power required in PCs and Internet servers to unravel each cryptographic level of hierarchy, these software-based solutions do not offer mobility.  Hence, no other system can offer the security and cost-effectiveness that E*MERGE® and 3DAS™ does.

For eCommerce to prosper, corporations, merchants and consumers demand an easy to use, mobile and inexpensive means of proving identity and transacting payments. Moreover, this is precisely what E*MERGE® ® powered by 3DAS™ can deliver.

Why 3DAS™?

3DAS™ is the simple solution for creating a cost-effective and secure Internet transaction and payment system. It gives the card issuer, acquiring bank and seller a proven Card Authentication Method (CAM). Unicate has demonstrated that a 3DAS™ CAM cannot be reproduced and that transactions digitally signed by a 3DAS™ Card are irrefutable. More importantly, rejection of a legitimate buyer is near impossible. 3DAS™ also eliminates the need for the expensive security hardware required by the Cardholder Verification Method (CVM) for PIN. 3DAS™ therefore provides a secure off-line CAM and CVM to protect MasterCard, Visa and Amex cards.  3DAS™ offers:

*   Cardholder (buyer) Authenticity

*   Buyer mobility

*   Payment Data Confidentiality

*   Seller (merchant) Authenticity

*   Transaction Irrefutability

*   Transaction Integrity

3DAS™ is the easiest to use and most cost-effective solution to credit and debit card security. To implement, the buyer simply installs a 3DAS™ "Plug and Play" reader and the issuer adds the 3DAS™ authentication and personalisation modules to their system. The result is data integrity, data confidentiality and transaction irrefutability


Based on 3DAS™ and the work done to combat card fraud, Unicate has now created E*MERGE®, Unicate's transaction and payment solution for the Internet.

The benefits of E*MERGE® to banks:

*   Banks can profit from the growth in eCommerce and extend their full range of electronic payment products into this environment.

*   Banks can cost-effectively and securely introduce on-line PIN and debit cards for Internet payments without the need for expensive cryptographic technology.

*   Banks need not alter their existing EFTPOS networks and systems.

The benefits of E*MERGE® to sellers: