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New opportunities for all stakeholders
3-D Secure 2.0
Stephan Rüdisüli
Account Manager Payment Security
Netcetera
Patrick Juffern
Business Development Manager
INFORM GmbH
INFORM Profile
● Experts in hybrid Digital Decisions systems
● Since 1985 business increased by + 20% p.a.,
profitable for 33 consecutive years
● Private ownership: founder and managers
● Diversification in terms of products and markets
→ maximize resistance to economic trends
● Overall objective: sustainability!
0100200300400500600700800
850+
1969 1985 today
Facts and figures
Transactions
2.5 Mio
are processed per month
Cards
25 Mio
are protected by us
Banks an Issuers
1000
trust in our expertise
550
Employees
Honored with
28
awards in the last 5
years
14 offices in
6
countries
3-D Secure 2.0 & PSD2 Timelines
PSD2
Strong Customer Authentication
September 14, 2019
Visa 2.0
Issuer Mandate, Europe
April 12, 2019
Mastercard 2.0
Issuer Mandate, Global
April 1, 2019
?
The E-Сommerce Payment Challenge
User Convenience Risk & Fraud Regulators
Ease of use
Smooth processes
Reduce Risk
Avoid Fraud
Comply with national
and international
regulations
Safeguard the
revenue of all
stakeholders
Revenue
3-D Secure 1.0 vs 3-D Secure 2.0
3-D Secure 1.0
• Static Password
• Limited Dataset
• Merchant bound by issuer
decision
• Browser dependent
• Payment use case only
3-D Secure 2.0
• Sophisticated
Authenticators
• Enriched Dataset
• Merchant opt-out option
• Mobile enabled
• Additional use cases
PSD2 SCA (Strong Customer Authentication)
Out of Scope
• MOTO
• Merchant Initiated
Transactions (MIT)
• Interregional Transactions
(one-legs out)
• Anonymous cards
Exemptions
• Low Value Transactions
• Low Risk Transactions
(TRA)
• Whitelisted Merchants
• Recurring Transactions
• Secure Corporate
Payments
How to make it work
Always make a Risk Analysis
if Risk to high… Decline!
PSD2 Exemption?
if yes… Frictionless!
…SCA Challenge!
all other transactions
Creating a Digital Fingerprint 3-D Secure 1.0
MATTER OF MILISECONDS
AUTHENTICATION
IPIP
Creating a Digital Fingerprint 3-D Secure 2.0
MATTER OF MILISECONDS
AUTHENTICATION
IPIP
Creating a Digital Fingerprint 3-D Secure 2.0
MATTER OF MILISECONDS
AUTHENTICATION
IPIP
✓
NO SCA
Frictionless
Creating a Digital Fingerprint 3-D Secure 2.0
MATTER OF MILISECONDS
AUTHENTICATION
IPIP
SCA
Challenge
Creating a Digital Fingerprint 3-D Secure 2.0
MATTER OF MILISECONDS
AUTHENTICATION
IPIP
✘
DECLINE
How to make it work
Data is Key!
Commitment to
implement!
Commitment to deliver
Data!
What are the benefits of 3-D Secure 2.0
Financial Institutions
Decrease fraud
Increase approval rates
Lower service costs
Added protection
Minimize disruptions
Better customer experience
Consumers
Reduce cart abandonment
Faster checkout
Liability shift
Merchants
Thank you for your attention !

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3-D Secure 2.0 - Stephan Rüdisüli, Netcetera & Patrick Juffern, INFORM

  • 1. New opportunities for all stakeholders 3-D Secure 2.0 Stephan Rüdisüli Account Manager Payment Security Netcetera Patrick Juffern Business Development Manager INFORM GmbH
  • 2. INFORM Profile ● Experts in hybrid Digital Decisions systems ● Since 1985 business increased by + 20% p.a., profitable for 33 consecutive years ● Private ownership: founder and managers ● Diversification in terms of products and markets → maximize resistance to economic trends ● Overall objective: sustainability! 0100200300400500600700800 850+ 1969 1985 today
  • 3. Facts and figures Transactions 2.5 Mio are processed per month Cards 25 Mio are protected by us Banks an Issuers 1000 trust in our expertise 550 Employees Honored with 28 awards in the last 5 years 14 offices in 6 countries
  • 4. 3-D Secure 2.0 & PSD2 Timelines PSD2 Strong Customer Authentication September 14, 2019 Visa 2.0 Issuer Mandate, Europe April 12, 2019 Mastercard 2.0 Issuer Mandate, Global April 1, 2019
  • 5. ?
  • 6. The E-Сommerce Payment Challenge User Convenience Risk & Fraud Regulators Ease of use Smooth processes Reduce Risk Avoid Fraud Comply with national and international regulations Safeguard the revenue of all stakeholders Revenue
  • 7. 3-D Secure 1.0 vs 3-D Secure 2.0 3-D Secure 1.0 • Static Password • Limited Dataset • Merchant bound by issuer decision • Browser dependent • Payment use case only 3-D Secure 2.0 • Sophisticated Authenticators • Enriched Dataset • Merchant opt-out option • Mobile enabled • Additional use cases
  • 8. PSD2 SCA (Strong Customer Authentication) Out of Scope • MOTO • Merchant Initiated Transactions (MIT) • Interregional Transactions (one-legs out) • Anonymous cards Exemptions • Low Value Transactions • Low Risk Transactions (TRA) • Whitelisted Merchants • Recurring Transactions • Secure Corporate Payments
  • 9. How to make it work Always make a Risk Analysis if Risk to high… Decline! PSD2 Exemption? if yes… Frictionless! …SCA Challenge! all other transactions
  • 10. Creating a Digital Fingerprint 3-D Secure 1.0 MATTER OF MILISECONDS AUTHENTICATION IPIP
  • 11. Creating a Digital Fingerprint 3-D Secure 2.0 MATTER OF MILISECONDS AUTHENTICATION IPIP
  • 12. Creating a Digital Fingerprint 3-D Secure 2.0 MATTER OF MILISECONDS AUTHENTICATION IPIP ✓ NO SCA Frictionless
  • 13. Creating a Digital Fingerprint 3-D Secure 2.0 MATTER OF MILISECONDS AUTHENTICATION IPIP SCA Challenge
  • 14. Creating a Digital Fingerprint 3-D Secure 2.0 MATTER OF MILISECONDS AUTHENTICATION IPIP ✘ DECLINE
  • 15. How to make it work Data is Key! Commitment to implement! Commitment to deliver Data!
  • 16. What are the benefits of 3-D Secure 2.0 Financial Institutions Decrease fraud Increase approval rates Lower service costs Added protection Minimize disruptions Better customer experience Consumers Reduce cart abandonment Faster checkout Liability shift Merchants
  • 17. Thank you for your attention !