Payments Blog

The Story of Data and EMV® 3-D Secure

We’re confident that EMV 3-D Secure (commonly referred to as 3-D Secure 2.0) will enhance the larger digital commerce space for issuers, merchants and consumers. But how will this new protocol do all that?

Proficient young male employee with eyeglasses and checkered shirt, explaining a business analysis displayed on the monitor of a desktop PC to his female colleague, in the interior of a modern office

The key differentiator is data. This protocol is placing even more of an emphasis on data and data sharing between two of the crucial parties involved in the transaction: the issuer and the merchant.

Through EMV 3DS, merchants will have the ability to share significantly more data with issuers during the authentication process. This will allow the issuer to make quicker, more informed decisions when it comes to the authentication of their consumers.

Prior to this development, there wasn’t enough meaningful communication between the issuer and the merchant during the transaction, which is what makes this such a significant step in the right direction for the entire digital commerce community. That lack of meaningful data often created situations where legitimate consumers were turned away, putting merchants in a difficult position, as they had the data to prove these consumers were who they said they were, but lacked the ability to deliver it to the issuer, essentially rendering it useless in this scenario.

While allowing merchants to send all this data to issuers will vastly improve the entire transaction experience, the availability of more data fields during this process is also a core feature of this new protocol, and one that can make a huge difference for merchants, issuers and consumers.

We have watched this story evolve over the last several years and, as a data-centric organization, we are excited to see what the future holds. But enough about us, we want to hear from you!

What do you think about this evolution and how are you planning to approach it?

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 CardinalCommerce

Welcome to the CardinalCommerce blog. Cardinal is a global leader in authenticating digital transactions, with One Connection to drive digital commerce. Our goal for this blog is to provide a platform that will inform and educate our Customers and partners on consumer authentication, payments, mobile commerce, solution design and big data.

Topics: 3-D Secure 2.0, EMV 3-D Secure, Data

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