Outseer3-D Secure™
Balance security with delivering a seamless user
experience so you can grow your business

Covid has accelerated the digital transformation of everything.
Global spending on e-commerce reached $4.2T in 2020, a growthof almost 28% since the prior year1. As digital commerce scales,organizations need to be prepared for the potential payment risks
and challenges that come with this growth. Solutions need toprovide security without sacrificing the user experience. Outseer 3-D
Secure™ does just that.
In 2020 alone, Outseer 3-D Secure™ protected almost 1.2 billion transactions, saving ourcustomers approximately $1.6 billion in fraud losses.

1.2 Billion

Outseer 3-D Secure™ protectedtransactions, saved ourcustomers approximately $1.6billion in fraud losses in 2020.

Stop fraud, not transactions
Outseer 3-D secure maps to the latest EMV® 3-D Secure 2.x protocol, the global standard
for authenticating card-not-present (CNP) and digital transactions. EMV 3-D Secure wasdesigned to achieve the right balance of security and convenience. The EMV 3-D Secure
2.x protocol promotes a frictionless shopping experience for cardholders by leveraging
risk-based authentication technologies.To more fully support a risk-based approach, EMV
3-D Secure 2.x include new transactional attributes that enhance the ability to distinguish
genuine transactions from fraudulent ones.
The 2.x protocol also expand its scope from the legacy browser-based environment of 3DS
1.0.2 to a much wider set of devices, with specific attention to mobile applications. The
protocol addresses authentication needs of IoT devices such as smart watches, smart
TV’s, and gaming consoles. Expanding the scope beyond the Web is imperative in today’s
increasingly mobile transaction environment.
EMV 3-D Secure 2.x also includes extensions to support European Payments Services
Directive 2 (PSD2) Strong Consumer Authentication (SCA) requirements for e-commercetransactions.

Data Sheet

Outseer 3-D Secure™

1

"The way we measure
the success is that
we’re able to process
many more sales, wehave our fraud losses
under control, and ourcustomers are happy
with the solution."
Vice President and Manager
Fraud Risk Control Large Bank

Finally, the 2.x protocol seeks to provide a smooth and intuitive user experience forthose transactions still requiring active authentication by integrating it into the consumer
shopping experience, and giving merchants complete control over the look and feel of theinteraction.
As an industry pioneer, Outseer has participated in EMVCo and provided inputs to thespecification.
Outseer 3-D Secure enables payment card issuers and processors to leverage the latest
functionality as specified by the protocol—and then goes even further.

Empower your business with the industry's best fraud detection
and intervention rates
Outseer 3-D Secure is an Access Control Server (ACS) for credit and debit card issuers
and payments processors. With the Outseer Risk Engine™ at its core, Outseer 3-D Securetransparently evaluates each transaction in real time to determine the probability of fraudvs. genuine transactions. Step-up authentications are reserved for instances that truly warrant closer scrutiny, with a global average of approximately 5% requiring intervention. This
leaves the vast majority of transactions unimpeded by a verification process.
As illustrated in the chart below, Outseer 3-D Secure maintains an average fraud detection
rate of 95%, and a low genuine-to-fraud ratio (or the number of genuine transactions foreach confirmed instance of fraud) that translates to a better transaction approval rate thatgrows your bottom line. That’s the best performance in the industry. And it's achievable due
to our Global Data Network, data science, fraud management expertise, and our machinelearning through our Outseer Risk Engine.

95%/5%

Fraud Detection
vs. Intervention

2:1

Genuine to
Fraud Ratio

How it works
Managing digital transactions fraud is crucial to payment card issuers and payment
processors, who bear the financial burden of bad transactions. Outseer 3-D Secure allows
issuing banks to provide Visa Secure, Mastercard Identity Check, American Express
SafeKey, JCB J/Secure™2.0, and eftpos support without negatively impacting theircardholders’ shopping experience.
While any number of products leverage the EMV 3-DS protocol, only Outseer 3-D Secure
predicts what others can’t to accurately and transparently authenticate your cardholders.
Outseer Risk Engine
Outseer Risk Engine assesses more than 100 different fraud indicators to evaluate the riskof a transaction in real time and produces a risk score. The score is based on device andbehavioral profiling,data elements from the 3-D Secure protocol, along with intelligencefrom the Outseer Global Data Network. The risk engine combines rich data inputs, machine
Outseer 3-D Secure™

2

GlobalOutseer 3-D Secureleverages globally shared,
cross-industry fraud andidentity intelligence toinform risk assessment.

learning methods, and case management feedback to provide accurate risk evaluations tomitigate fraud.
The Outseer Risk engine uses an advanced machine learning statistical approach tocalculating the risk score. This approach looks at the conditional probability of each eventto evaluate if its most likely genuine or fradulant given the known facts or predictors.
All available factors are taken into consideration but weighed according to relevance,
so that the most predictive factors contribute more heavily to the score.The predictive
weighting calculations are updated daily based on the feedback from case management,
chargebacks data and authentication results.
Outseer Global Data Network
Our globally shared, cross-industry transactions and identity intelligence network informs
smarter risk decisions. When a member of the network marks an activity as “ConfirmedFraud” / “Confirmed Genuine” in the case management application the associated dataelements are shared across the network. When an activity is attempted and includes one ofthe elements from the Global Data Network the risk is automatically adjusted.

Outseer 3-D Secure Workflow

The road toseamless
shopping

Highest Risk(Rare)

DeclineTransaction

High Risk(Minority)

Authenticate
Transaction• OTP SMS

e-Commerce
Transaction• “Bring yourown Auth”(Biometricsor other authmethod)

Low Risk(Majority)

Complete
TransactionOutseer policy management
The Outseer policy management application translates risk intelligence into action. Using
our fine-grained policy controls, you can set specific actions to different thresholds basedon your risk tolerance and your business objectives.
Outseer case management
Our case management application enables you to track activities that trigger rules anddetermine if they are fraudulent. You can also use the application to research cases andanalyze fraud patterns when revising or developing policy rules. When cases are resolved,
you can use the case management UI to provide feedback to the Outseer Risk Engine,
helping to enhance the accuracy of risk decisions even further. An available API can beused to extract cases and activities to third party case management systems, and toupdate case resolution.

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Step-up authentication
For the small percentage of transactions that are high risk or in violation of your policies, a
step-up authentication will be triggered. Outseer 3-D Secure offers out-of-the-box step-up
authentication options as well as a flexible interface to integrate with your organization’sown authentication methods.

The confidence to grow your business
By achieving a balance between risk and a seamless user experience, Outseer 3-D Securecan help you:
• Gain your customers trust and loyalty ("top-of-wallet") so they choose your card totransact with—every time!
• Grow profitability by reducing fraud losses, reducing chargebacks and lowering
operational costs associated with fraud investigation• Increase transaction approval rates that drive up revenue and help you grow yourbusiness"Global Ecommerce Update 2021." eMarketer, Jan. 20211

About Outseer
Outseer empowers the digital economy
to grow by authenticating billions oftransactions annually. Our payment andaccount monitoring solutions increase
revenue and reduce customer friction forcard issuing banks, payment processors,and merchants worldwide.

Leveraging 20 billion annual transactions
from 6,000 global institutions contributing
to the Outseer Data Network, our identitybased science delivers the highest fraud
detection rates and lowest customer
intervention in the industry. See what others
can’t at outseer.com©2021 RSA Security LLC or its affiliates. All rights reserved. RSA and the RSA logo are registered trademarks or trademarks of RSA Security
LLC or its affiliates in the United States and other countries. All other trademarks are the property of their respective owners. RSA believes
the information in this document is accurate. The information is subject to change without notice. Published in the USA.06/21