Leading the Way in 3-D Secure and Fraud Prevention Technologies

Strong authentication for payments and banking user identity

With the increasing number of web and mobile secure applications and the ever- growing expansion of digital commerce transactions, banks and issuing organizations face various kinds of threats like sophisticated phishing, keyloggers or man-in-the- middle attacks.

Worldline Access Control Server

Access Control Server is a 3-D Secure solution for Issuing banks to process and authenticate their cardholders during e-commerce transaction.

What does Worldline provide?

Fraud prevention tools with RBA rule engine, and TRA real time scoring.

Rich back office to monitor and configure.

Standard APIs to connect to Bank IT systems.

Cardholder repository with real time provisioning and cardholder enrolment portal.

Wide range of authentication methods for all devices.

Local delivery teams to support Issuing banks.

+2.4B

yearly 3DS transactions

+100 Issuing

banks in Europe

+230M 3DS

cardholders registered

A Global Service Offering

Our solution integrates five main functional modules:

The multichannel enrolment service is used to associate a user with one or more strong authentication methods. This key process can be carried out online during the first transaction (Activation During Shopping) or through the web banking access with an activation code. It can also be directly initiated by the financial institution through the provision of its customer data (Real Time web service or daily batch file).

3D-Secure

Our service supports the 3D-Secure protocols developed by Visa and Mastercard.

It can also be reused by other schemes (American Express, Private Label Cards, and others) for 3D-Secure Payments and has already been extended to a private scheme.

Monitoring of the service

The platform can be monitored in real time thanks to the web back-office tools. They make it possible to:

Customize the service (authentication profile management, web authentication workflow in a responsive mode for PC, tablets and smartphones),
Make these tools available to the bank’s back-office helpdesk (with customisable levels of information, segregation of access rights, possibility to lock or unlock a user),
Historic dashboards enable quick and easy transaction query requests.

Fraud prevention service

A specific module can assess in real time the risk associated with each transaction and determine the best authentication method to provide the user (or block the transaction).

Data Mining

Our service supports the 3D-Secure protocols developed by Visa and Mastercard.

It can also be reused by other schemes (American Express, Private Label Cards, and others) for 3D-Secure Payments and has already been extended to a private scheme.

Business Benefits / Objectives

To help all banks implement their authentication strategies
Quick implementation of the 3D-Secure service
Modular solution that meets all of banks’ requirements
Configurable workflow for complete control of the authentication process
Easy integration into banks Information Systems
Efficient activity monitoring tools
International solution that makes it possible to support banks through their global expansion
Risk control through efficient prevention of the ever-growing fraud
To benefit from knowledge sharing with the interbank community for fraud prevention services
Responsive web workflows for all kind of devices (PC, tablets, smartphones)

PCI-DSS 4 and 3D-Secure 2.3.x certified platform

Multilingual, multicurrency solution
State-of-the-art web solution

The new features of our product

More data, less fraud

Leverage authentication data to manage 3DS flow and fight against fraud with features such as:

Authentication data export,
Device scoring using method URL,
Card testing attacks module.

Using AI to improve performance

Harness artificial intelligence to enhance service quality and transformation rates. Our solution will integrate various AI modules such as predictive maintenance, detection of anomalies or deviations on transaction and others, to improve success rates.

Refreshed authentication pages

Our authentication pages aim to improve customer understanding, natively support new 3DS features, and comply with the Accessibility Act.

Giving user more control

New features to help issuers to be autonomous in the management of ACS such as:

Capacity to lead BIN,
Create and simule rules,
Generate a simplified transaction report,
A Power BI data analytics module,
And new test automation capacities.

Preparing for eIDAS 2.0

With eIDAS 2.0, each Member States will need to support multiple European Digital Identity Wallets. Issuers will have to support cardholders’ wallets for authentication in online payment use case. Worldline ACS will integrate Worldline Digital Identity Hub providing a one stop shop between all wallets and banks.

Would you like to learn more?

Simply fill in a few details and our experts will get in touch.

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