1.
Seamless 3-D Secure e-commerce
experience
Suzana Kordumova Nikolova
2019-02-19

2.
Seamless 3-D Secure e-commerce
experience

3.
Seamless 3-D Secure e-commerce
experience
Strong payer authentication

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.
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.
3-D Secure
3DS 1.0.2
(no online fraud, communicate safely)
Browser based
Well-established global program

7.
2019

8.
3-D Secure
EMV 3DS (2.0)
Mobile 3DS SDK
MPI -> New 3DS Server component

9.
EMV 3DS (2.0) – Mobile SDK
Mobile Merchant App – iOS/Android
3DS SDK
(Software Development Kit)

10.
EMV 3DS (2.0) – Mobile SDK
Simple to
integrate
Easy to use PCI Ready
Communicates securely with all 3DS components

11.
Seamless 3-D Secure e-commerce
experience

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.
EMV 3DS (2.0) – Challenge
One time
passcode
Out of Band
Multi/single
selection
Issuers promote
their Apps

14.
EMV 3DS (2.0) – Mobile SDK
Real Frictionless Flow (device data)
iOS
25 device info
Encrypted
Android
149 device info

15.
BLS Libero Tickets App

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.
Seamless 3-D Secure e-commerce
experience
Reduce abandonment rate

18.
EMV 3DS (2.0) Benefits
Issuer / Bank
Build loyalty and
trust from
cardholders
Decrease in
abandonment rate
Nourishes brand
loyalty

19.
EMV 3DS (2.0) Benefits
Merchant / Acquirer
Authentication
inside the
merchant app
(branding)
Attractive
application
Customer trust/
increase in sales

20.
EMV 3DS (2.0) Benefits
User - Cardholder
Great User
Experience
Secure payment
Seamless
transaction

21.
EMV 3DS (2.0)
PSD2 Requires strong auth in 2019 -> 3DS 2.0
We are ready Be ready!
Future is very near

22.
Suzana
Kordumova
Nikolova
Technical Coordinator
suzana.kordumova@netcetera.com
www.netcetera.com