Risk-Based Authentication and 3D Secure 2

Frictionless Flow Explained

Whitepaper Overview

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?

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