Solutions>ActiveAccess>3D Secure Authentication

3D Secure Authentication

Protection from credit card fraud

ActiveAccess is a highly scalable cardholder authentication system designed for credit card issuers. The system supports single and multiple issuers through an easy to manage web interface.

ActiveAccess supports multiple authentication protocols including the latest standards from Visa, Mastercard, JCB, American Express and Diners Club International, called Verified by Visa, Mastercard SecureCode, American Express SafeKey, JCB J/Secure and Diners Club International ProtectBuy. It offers fully integrated, one-time cardholder enrolment with flexible registration options for mass enrolment and activation during shopping. Cardholders have the flexibility to enrol or be activated at anytime during their online shopping.

ActiveAccess provides the most flexible implementation options across multiple operating system and hardware platforms. Depending on their specific requirements, issuers have the option of deploying ActiveAccess in-house or using an outsourced service.

system management

FEATURES

Single platform for authentication

ActiveAccess provides banks with a single platform for online authentication thereby reducing the cost of ownership of two solutions, one for Internet banking and one for 3-D Secure. By investing in this solution, banks have the option of implementing either the two factor authentication solution for Internet banking or 3-D Secure for eCommerce or implementing both. It also means that different banking divisions can share the cost of the solution rather than purchasing two separate solutions.

Proven Real-time Cardholder and Credit Card Authentication Solution

ActiveAccess is a proven authentication solution providing real-time cardholder authentication during the online shopping process. Cardholders verify their identity with their card issuer, in accordance with the authentication protocols, providing all parties with a level of assurance similar to that experienced in ‘card present’ transactions. Following verification, transaction security tokens are supplied to the merchant, providing the security information necessary for authenticating the online transaction.

real-time cardholder
single enrolment

Single Enrolment for Verified by Visa, Mastercard SecureCode, JCB J/Secure, American Express SafeKey and Diners Club International ProtectBuy

ActiveAccess provides a universal cardholder enrolment process for Verified by Visa, Mastercard SecureCode, American Express SafeKey, JCB J/Secure and Diners Club International ProtectBuy. The solution offers a fully brandable cardholder enrolment site and best-practice authentication process using GPayments’ Visa and Mastercard approved authentication and enrolment package. Issuers may choose a combination of cardholder enrolment options including mass enrolment, cardholder activation during shopping or even enrolment through their existing Internet banking systems.

Flexible Cardholder Data Loading Options

ActiveAccess provides a range of cardholder data loading options:

  • Online web services messaging interface
  • Batch file uploading through a web-based interface
  • Direct data entry through a web-based interface
  • Issuers have the flexibility to use the most appropriate method or a combination of these methods to meet their specific requirements.

flexible cardholder
modular authentication

Modular Authentication Architecture

ActiveAccess is a modular authentication system incorporating Verified by Visa, Mastercard SecureCode, JCB J/Secure, American Express SafeKey and Diners Club International ProtectBuy, with the ability to integrate future modules as required. The 3-D Secure module manages the cardholder authentication process for Verified by Visa, Mastercard SecureCode, JCB J/Secure, American Express SafeKey and Diners Club International ProtectBuy transactions; the SPA Algorithm module integrates with the 3-D Secure module to provide support for Mastercard SecureCode transactions originated from a cardholder browser; whilst the SPA module manages the cardholder authentication process for Mastercard SecureCode transactions originated from a cardholder applet.

Intuitive Web-Based Administration Interface

ActiveAccess provides users with an easy to use web-based interface, which fully supports the management of multiple authentication protocols. ActiveAccess can be administered locally, directly from the issuer or service provider's system, or remotely using a standard web browser. All configuration and management of ActiveAccess is performed using the simple administration interface, requiring no coding or code level changes.

intuitive web-based
robust

Robust, Scalable and Flexible

ActiveAccess is easily scalable using industry standard software or hardware load balancing and multiple physical servers. Increased message encryption and decryption performance can be achieved by implementing hardware SSL accelerators. Flexibility is offered using one of a number of supported Hardware Security Modules (HSM). As a result, ActiveAccess provides a robust, scalable and flexible solution for the most demanding and transaction intensive environments used by issuers and service providers.

Multi-platform support

Easy installation

Built on Java technology, ActiveAccess provides multi-platform support. ActiveAccess processes Verified by Visa, Mastercard SecureCode, JCB J/ Secure, American Express SafeKey and Diners Club International ProtectBuy transactions securely, storing transactional data in a leading relational database system and working independently of existing web servers.

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ActiveAccess runs on a wide range of hardware and processor configurations and comes with both graphical and command line installation scripts. As a result, ActiveAccess is supported on wide variety of operating systems including Windows and Unix.