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Seamless 3-D Secure e-commerce experience


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Talk by our expert Suzana Kordumova Nikolova about a seamless 3-D Secure e-commerce experience, held at MPE on 19 February 2019. Merchant Payments Ecosystems is a leading payment conference for merchants and PSPs.

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Seamless 3-D Secure e-commerce experience

  1. 1. Seamless 3-D Secure e-commerce experience Suzana Kordumova Nikolova 2019-02-19
  2. 2. Seamless 3-D Secure e-commerce experience
  3. 3. Seamless 3-D Secure e-commerce experience Strong payer authentication
  4. 4. 1 Merchan/ acquirer domain 3 Interoperability domain 2 Issuer domain MPI / Server + SDK Access Control Server (ACS) Directory Server (DS) 3-D Secure Netcetera Among the first certified in the world
  5. 5. 1. Issuer 2. Interoperability 3. Acquirer Merchant 3-D Secure DS (Directory Server) ACS (Access Control Server) Merchant App + SDK /Browser 3DS Server PSP
  6. 6. 3-D Secure 3DS 1.0.2 (no online fraud, communicate safely) Browser based Well-established global program
  7. 7. 2019
  8. 8. 3-D Secure EMV 3DS (2.0) Mobile 3DS SDK MPI -> New 3DS Server component
  9. 9. EMV 3DS (2.0) – Mobile SDK Mobile Merchant App – iOS/Android 3DS SDK (Software Development Kit)
  10. 10. EMV 3DS (2.0) – Mobile SDK Simple to integrate Easy to use PCI Ready Communicates securely with all 3DS components
  11. 11. Seamless 3-D Secure e-commerce experience
  12. 12. EMV 3DS (2.0) – Mobile SDK Integrated Challenge process (UX) Native UI -> Customized as merchant app HTML in app browser -> Issuer consistent UI (if merchant allows)
  13. 13. EMV 3DS (2.0) – Challenge One time passcode Out of Band Multi/single selection Issuers promote their Apps
  14. 14. EMV 3DS (2.0) – Mobile SDK Real Frictionless Flow (device data) iOS 25 device info Encrypted Android 149 device info
  15. 15. BLS Libero Tickets App
  16. 16. App sends Auth Request to 3DS Server 3DS Server send AReq to DS DS decrypts device data, forwards to ACS ACS does risk analysis and send back ARes to DS DS forwards ARes to 3DS Server 3DS Server forwards ARes to App SDK provides enrypted device data to Merchant Application **** **** ****
  17. 17. Seamless 3-D Secure e-commerce experience Reduce abandonment rate
  18. 18. EMV 3DS (2.0) Benefits Issuer / Bank Build loyalty and trust from cardholders Decrease in abandonment rate Nourishes brand loyalty
  19. 19. EMV 3DS (2.0) Benefits Merchant / Acquirer Authentication inside the merchant app (branding) Attractive application Customer trust/ increase in sales
  20. 20. EMV 3DS (2.0) Benefits User - Cardholder Great User Experience Secure payment Seamless transaction
  21. 21. EMV 3DS (2.0) PSD2 Requires strong auth in 2019 -> 3DS 2.0 We are ready Be ready! Future is very near
  22. 22. Suzana Kordumova Nikolova Technical Coordinator