Solutions

ACS Access Control Server is application which enables issuing institution to participate in 3D secure program. It is either implemented in issuing bank premises or used by issuing bank from approved ACS SaaS platform provider.

ACS ensures that cardholder is authenticated during online card not present payment either through Risk based authentication or using other available authentication methods such as One time Password, SMS OTP, mobile token, biometry etc.

For more information download ACS datasheet.

By using Asseco SEE ACS hosting service instead of in-house implementation, issuing institutions minimize time to market, reduce investment and operational costs for 3D secure compliance, and at the same time provide their customers with ultimate fraud protection during online payment.

For more information download ACS datasheet.

Based on transaction data provided by 3DSS and ACS, Risk scoring engine will evaluate transaction risk. Based on evaluated risk, ACS will chose one of authentication metods:

• Silent authentication (Frictionless)
• Additional authentication by OTP, mobile token or biometric
• Deny transaction as risky one

In order to evaluate transaction risk, Risk module uses sophisticated econometric statistical behavioral methods which detects anomalies.

For more information download Risk scoring datasheet.

3DS Server corresponds with MPI (Merchant plug in) used in previous 3D Secure scheme (v1.0.2). 3DSS enables acquiring institution to participate in 3D Secure program.

3DSS is integrated with web shop or with online payment gateway and verifies whether card is enrolled in 3D Secure scheme. If so, 3DSS communicates with ACS in issuing bank to proceed with cardholder authentication.

For more information download 3DSS datasheet.

SxS is multi-factor solution which provides wide range of strong authentications methods (like OTP, MAC, challange/response) and combines it biometry and risk analysis mechanism in order to provide high security for users no matter they are using hardware or software tokens. Solution can be easiliy integrated with different services and different devcies. Service is PSD2 compliant, and it can be hosted in cloud as SaaS solution or in-house on client premises.

With secure aunthentication solution Asseco is providing mobile token native mobile application developed in Android and iOS platform which provides strong authentication functionality from mobile phone.

https://sxs.asseco.com/

For more information download Authentication server datasheet.

Nowdays there is a variety of mobile purchasing applications which support online card payment. In order to enable mobile purchasing application to support 3D Secure program, mobile application developer will use certified 3D Secure SDK. SDK communicates with 3DSS to check if card is enrolled in 3D Secure, and with issuing bank ACS to ensure risk evaluation and cardholder authentication.

For more information download SDK datasheet.