EMV 3-D Secure implementation for a card issuer.
Card issuer entering e-commerce acceptance
Challenge
To provide additional security for customers who pay online, banks introduced 3-D Secure (3DS), a technology that adds an extra layer of authentication for cardholders. Financial institutions entering the e-commerce domain need specialised knowledge in this subject. Our client, a card issuer, requested our support with their 3DS implementation.
Approach
- 3DS and CNP training. An extensive training with an overview of 3DS and card-not-present (CNP) payments — use cases, authentication options, fraud rules, and best practices.
- 3DS business requirements. We helped our client ensure that fraud prevention and payment-network requirements were fully covered.
- 3DS implementation. Working closely with the customer's fraud prevention team, we defined the authentication and authorisation rules.
- Maintenance and support. Comprehensive support through issue resolution, change-impact analysis, additional training, and ongoing knowledge development.
Outcome
Our customer successfully implemented and launched the new card product enabling e-commerce acceptance through the card payment network. We laid down authorisation and authentication rules that met the customer's specific requirements and ensured higher security and compliance with industry standards.
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