Risk-Based Authentication and 3D Secure 2
Frictionless Flow Explained
The new EMV® 3D Secure protocol, or 3D Secure 2 (3DS2), released by EMVCo is designed to address
a number of key aspects of the previous protocol and cement the technology’s reputation as one
of the most resilient solutions in the fight against card-not-present (CNP) online fraud.
3DS2 provides more robust security, compatibility with mobile devices and empowers merchants to
move even closer to a frictionless checkout experience for their customers by the use of
risk-based authentication. This whitepaper will discuss the following topics:
- Background to 3D Secure 2
- A brief introduction to frictionless flow
- How risk-based authentication works within frictionless flow?
- How and what type of information is captured?