Solutions

Explore Key Technical Advantages

Modular architecture

Components are modular and technology agnostic hence can be implemented in different IT environments and simply integrated with third-party components.

Scalable solution

Enables optimal configuration in respect of estimated transaction load and high availability demands.

Configurability and multitenancy

Provides configuration of all functionalities including one or more institutions, BINs and card ranges, authentication methods, screens, reports etc.

Security

All modules are independently secured and include defined administration, user roles and strong authentication for all point of access

Variety of supported authentication methods

  • Biometry
    (fingerprint authentication, face recognition, voice recognition).
  • Dynamic Passwords
  • Risk Based Authentication
  • QR code authentication
  • Out of band authentication

Compliant with following card scheme 3D Secure programs

  • Verified By Visa
  • Mastercard® Identity Check
  • American Express Safekey®
  • Diners Club ProtectBuy®
  • JCB J/Secure
  • UnionPay UPOP
  • NSPK MirAccept

Product Components

Find the best suited product for you!

ASC2 Server

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.

ACS as a SaaS Hosting

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.

Risk scoring

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

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.

Authentication server

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.

Mobile Android/iOS SDK

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.

Find the best suited product for you!

ASC2 Server

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.

ACS as a SaaS Hosting

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 hosting datasheet.

Risk scoring

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

3DS Server

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.

Authentication server

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/.

Mobile Android/iOS SDK

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.

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