Fraud Management Solution

3D Secure

Xecure3D 3DS 2.3 Solution

Xecure3D 3DS 2.3 Solution enable issuing and acquiring banks to participate in the latest EMVCo 3-D Secure 2.3 protocol standard for Visa, Mastercard, American Express, Discover, JCB, ITMX and UnionPay. The new 3DS protocol adds an additional layer of security for online and mobile credit and debit card transactions. It collects additional payment data to issuers to speed up authentication and checkout payment and boost security.


 
The new Xecure3D 3DS 2.3 service can be offered as an online white-labelled hosted service, or as a total licensed solution. And, the deployment lead time can be as short as 4 months.

Key Components

For Acquiring Bank and Merchant (3DS Requestor)

3DS Server: It provides the functional interface between the 3DS Requestor system and Card Scheme Directory Server (DS). It provides API calls for 3DS Requestor website or 3DS Requestor mobile APP to initiate the 3DS authentication process.

3DS SDK: It provides API calls within the mobile application to collect device information. It also acts as a connector and message handler with ACS during the 3DS 2.3 flow.

Features

Support both mobile app and internet web browser authentication.
Support multiple authentication types such as token-based, biometric and OTP.
Support risk-based decisions for Frictionless Flow or Challenge Flow based on the device data obtained through 3DS Client.
Support payment and non-payment authentication.
Extendable to support proprietary Out-of-Band (OOB) authentication used by card issuers.
Powerful and user-friendly web administration tool for bank operators. User access control with audit trails.

Benefits

Flexible and Customizable: Different models support depending on requirements.
High Performance and Scalable: Can be readily scaled to support voluminous requests over time.
User-friendly: Easy-to-operate web-based GUI.
Cost-effective: Flexible solution package and ease of setup and maintenance.
Secure: Advanced security control.
Trusted: With over 25 years of 3-D secure experience and over 17 operational offices in Asia.

Your Business Solution Partner beyond Payment

Services and Solutions
Fraud Management Solution
Payment Processing
Managed Services
Value-Added Solutions
Consultancy and System Integration