Payments Blog

Cardinal's Journey to EMV® 3-D Secure

For the past 18 years, Cardinal has been focused on creating and providing the best authentication platforms in the world. We have put endless hours (day and night), along with our blood, sweat and tears (and years), into our solutions. Our authentication network enables 3-D Secure (3DS) and the network programs (Verified by Visa, Mastercard SecureCode, etc) that are tied to the protocols.

In 2013, we introduced Cardinal Consumer Authentication (CCA), a rules-based approach to 3DS. By leveraging the 3DS 1.0.2 protocol and the shift to risk-based authentication for Issuers, we have been able to optimize our Customers’ benefits while minimizing the “bad” parts of the dated protocol. Remember, 3DS 1.0 was introduced in 2000 when laptops were sparsely used, and when we didn’t have iPhones or iPads.

In 2017, we introduced a risk-based ACS platform, Visa Consumer Authentication Service (VCAS). This platform is a leading-edge technology solution that combines risk models with a rules platform, allowing the Issuer to fine-tune and manage their 3DS strategies.

In the time since Cardinal began doing business, a lot of things have changed in this industry. The introduction, and proliferation, of non-traditional devices and payment methods has forced the payment space to innovate, and optimize the entire payment life cycle, including 3DS.

Over the past two years, we have been deeply engaged in the evolution of 3DS and the newer version of these protocols, commonly referred to as 3DS 2.0, but properly named EMV® 3-D Secure or EMV 3DS. This enhanced version of 3DS has placed a focus on data, to streamline the consumer experience, increase authorizations and reduce fraud from the ecosystem. This is a game-changer.

On September 20, 2018, Cardinal achieved a major milestone related to EMV® 3-D Secure. On this historic day, Cardinal successfully completed the first EMV® 3-D Secure transaction between a real merchant and a real issuer on a major card network. While this is undoubtedly a big moment for Cardinal, this is also the first transaction of its kind to be successfully completed without the use of test accounts or simulators.

This, however, is only the beginning.

Today is the start of our journey to the new Cardinal Authentication Network where we put Authentication First.

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

Posted by Jaime Howard

Jaime is the Vice President of Global Product for Cardinal. In this role, she is responsible for driving the overall product strategy and commercialization efforts across Cardinal’s digital payment platforms and solutions while ensuring the needs of Customers and the market are exceeded through Cardinal’s products. Since joining Cardinal in 2004, Jaime has held a portfolio of roles within the company, building her knowledge in the payment space and leading her to the most current role in Global Product leadership. Prior to becoming VP of Global Product, Jaime was responsible for leading the partner strategy and managing Cardinal’s most strategic relationships including CyberSource, Mastercard, Visa and others. Jaime currently serves as a Board Member on the Americas Advisory Board for the Merchant Risk Council, where their mission is making digital commerce safe and profitable everywhere.

Topics: CCA, EMV 3-D Secure, 3-D Secure, Cardinal Authentication Network

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