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Issuers and merchants rely on the 3-D Secure (3DS) protocol in the fight against “card-not-present” (CNP) fraud. You may recognize brands such as Mastercard SecureCode®, Verified by Visa, American Express SafeKey® and Discover ProtectBuy—all of which are 3DS implementations.
CA Technologies, A Broadcom Company (then Arcot) co-invented 3DS in partnership with Visa in the early 2000s. With continuing development and enhancements, the protocol is known today as EMV® 3-D Secure (EMV® 3DS).
EMV 3DS was defined by EMVCo, a consortium of merchants, banks and payment organizations. Expanding the functionality of the original implementation, EMV 3DS is designed to both reduce fraud and streamline the customer experience, regardless of device.
Featurespace’s ARIC engine is the smartest technological approach to fraud management, developed to cope with the constant threat of new fraud attacks, while enabling businesses to accept their genuine customers – on premise or via secure cloud.
Featurespace’s ARIC engine (Adaptive, Real-time, Individual, Change Identification) is a real-time, machine learning, fraud management software platform for organisations in financial services, insurance and gaming.
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