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This paper is designed to provide a analysis of the new generation of authentication standards - Visa 3-D Secure (VbV). Electronic commerce of existent wire internet base is changing rapidly by wireless electronic commerce by development of wireless communication technology and growth of supplying mobile phone. But, Consumers do not have confidence on sending their credit details over the Wireless Internet. Most people are concerned that their credit card details will be intercepted on the way to the merchant or Payment Server. In today's environment, an online buyer simply types the credit card details int a website or mobile phone in order to make a payment. This has introduced a major problem as anyone can type in anyone else's credit card details in order to make a purchase and the online merchant has no way of determining if the buyer is genuine. So, we adopted J2ME based mobile 3-D Secure Protocol and ECC algorithm system that take advantage of this module to keep away personal information leakage that happen in gateway system and to make function improvement or addition of security module convenient.
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