PCI is not the answer…
In the early 2000s when the internet was still young, Visa, MasterCard and the other major payment card schemes had a choice. They could create a system that made using credit/debit cards on the internet safe, or they could rely on the unguessability of the card number. 3D Secure (3DS), the internet authentication protocol, was introduced to help protect online business and cardholders against online fraud.