RSA Adaptive Authentication for eCommerce 3D Secure without negative impact on user experience
RSA Adaptive Authentication for eCommerce prevents online fraud without negatively impacting the cardholder experience by authenticating transactions in real time via the 3D Secure protocol. AA for eCommerce is a risk-based solution that authenticates approximately 95% of transactions without any action from the customer.
Powered by the RSA Risk Engine, RSA Adaptive Authentication for eCommerce evaluates each on-line transaction in real-time to evaluate the level of risk. The RSA Risk Engine analyzes over one hundred fraud indicators per transaction to determine the associated risk level of a customer and the credit card being used at time of check-out.
Low-risk transactions (~95%) are authenticated silently, with no need for cardholders to enter a PIN or provide other information. High-risk transactions (~3%-5%) are prompted to step up via One Time Password, in wallet questions or other methods selected by the issuer. Highest risk transactions (~1%) are declined.
Adaptive Authentication for eCommerce supports Verified by Visa, MasterCard SecureCode and American Express SafeKey. The service is in use in over 8,000 financial institutions for online banking and has processed and protected more than 7 billion online financial transactions.
AA for eCommerce is an all-inclusive, PCI-compliant Access Control Server (ACS) service provider in a Statement on Auditing Standards (SAS) number 70-certified hosting environment.
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The power of RSA eFraudNetwork collective intelligence is its ability to stop fraud in real time—whenever and wherever it strikes.
This cross-organization, cross-industry data repository of fraud profiles is gleaned from RSA's worldwide network of customers, end users, Internet service providers (ISPs), third-party contributors, and the RSA AntiFraud Command Center.
The eFraudNetwork community is dedicated to anonymously sharing and disseminating information on cybercrime activities to help keep its members one step ahead of threats. When an online fraud pattern or other cybercriminal activity is identified, the associated data such as device fingerprints, IP addresses, and mule accounts are moved to a shared data repository from which active network members receive updates on a regular basis to their RSA Adaptive Authentication or Adaptive Authentication for eCommerce solution risk engine.
RSA eFraudNetwork analytical capabilities make it much more than just a blacklist. It analyzes millions of entities daily and shares only confirmed fraud activities to avoid false positives. This ongoing analysis enables real-time, proactive protection to hundreds of millions of online users worldwide. In addition to catching online fraud, the network identifies information associated with cybercriminals' infrastructures used for both financial and nonfinancial attacks.