DATA SHEET

Outseer 3-D Secure™
Achieve profitable growth withperfect balance between security
and cardholder experience

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Achieve secure, profitable growth with theperfect balance of security and experience
At a Glance
Mapping to the latest EMV® 3D Secure protocol, Outseer 3-D
Secure™ is a leading global
ACS solution for issuers / issuer
processors to fight CNP fraud:• 95% fraud stopped with only
5% intervention• ~1.5 billion 3DS transactions
processed annually• ~$200 billion in CNP Payment
Volume protected annually• Over $2.2 billion in CNP fraudsavings for our customers in2021
Using our comprehensive CNP
3-D Secure fraud detection
and prevention solutions,
Outseer customers can benefitfrom:• higher transaction
authorization rates• lower fraud losses, and• higher interchange revenue.

Digital transformation has helped mobilize a massive shift
toward new commerce and payments models. Global
eCommerce is growing at double digit rates and forecasted
to reach $5.5 trillion in 20221.
As these new models scale, fraudsters are also evolving theirstrategies and organizations need to be prepared to addressthese growing and evolving threats. Nilson estimates that gross
payment card fraud losses will reach more than $34 billion by
the end of 20222. According to Aite-Novarica, Card notpresent (CNP) fraud accounts for over two-thirds of gross fraud
losses and is estimated to grow 19.4% by 20233.
Solutions need to provide security without sacrificing the user
experience. Outseer 3-D Secure™ does just that. Outseer 3-D
Secure is a leading global Access Control Server (ACS) solution
for issuers and processors to fight CNP fraud. Outseer 3-D
Secure maps to the latest EMV® 3-D Secure protocol – theglobal standard for authenticating CNP digital transactions.
Outseer 3-D Secure protected ~$200 billion in payments
volume in 20214.

~$200Billion

In Payments Volume
protected by Outseer
3-D Secure™ in 2021

Driving Secure Growth with 3-D Secure
3-D Secure is an effective solution for fighting CNP Fraud. A recent study by Aite-Novarica Group3
showed that among available solutions used to protect against CNP fraud, 3-D Secure “leads thepack.” The study found that 100% of issuers and issuer processors interviewed are using 3-D Secure,with 82% stating that 3-D Secure is as effective or more effective when compared to other fraud
detection solutions.
The study also surveyed more than 750 mid- to large-sized eCommerce merchants globally andfound that 69% of merchants currently use 3-D Secure. They cited lower fraud losses, increaseauthorization rates and lower chargebacks as the primary reasons for using 3-D Secure. An additional
21% of merchants indicated that they plan to start using 3-D Secure by the end of 2022.
The same study showed that not only is 3-D Secure an effective tool for mitigating CNP fraud, but also
found that when 3-D Secure is used, eCommerce transaction authorization rates are significantly
higher. Higher authorization rates translate into greater revenue and profit potential for bothmerchants and issuers.
Outseer 3-D Secure™ - Data sheet

2

Stopping Fraud, but Not Transactions
The EMV® 3DS protocol promotes a seamless shopping experience for cardholders by leveraging riskbased authentication technologies. EMV® 3DS includes transactional attributes that enhance theability to distinguish genuine transactions from fraudulent ones.
The protocol supports a wide set of devices, with specificattention to mobile applications, as well as IoT devices suchas: smart watches, smart TVs, and gaming consoles.
In addition, EMV® 3DS seeks to provide a smooth and intuitive
user experience for those transactions still requiring active
authentication by integrating it into the consumer shopping
experience and giving merchants complete control over thelook and feel of the interaction. As an industry pioneer, Outseer
participates in EMVCo and provides inputs to the specification.
Finally, EMV® 3DS also includes extensions to support EuropeanPayments Services Directive 2 (PSD2) Strong Consumer
Authentication (SCA) requirements for e-commercetransactions – critically important in today’s payments
environment.

EMV 3-D Secure Enhancements• Support for mobile apps, IoT
devices and advanced digital
payments flows• Risk Based Authentication
approach, using additional data
elements to drive more accurateresults• Increased merchant control overthe shopping experience• EU PSD2 SCA extensions
Source: EMVCO.com

Outseer 3-D Secure™ - How It Works
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 Secure transparently evaluates
each transaction in real time to determine the probability of fraud vs. genuine transactions.
Outseer 3-D Secure allows issuers to provide Visa Secure, Mastercard Identity Check, American
Express SafeKey, JCB J/Secure™2.0, and eftpos support. Outseer 3-D Secure delivers a fraud
detection rate of 95%, and a low genuine-to-fraud ratio (number of genuine transactions challenged
for each confirmed instance of fraud), translating into higher approval rates bottom line growth.
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.

Outseer 3-D Secure™ Workflow

Outseer 3-D Secure™ - Data sheet

Outseer Risk Engine™
While other providers may offer an ACS, Outseer 3-D Secure is supported by decades of fraud
management expertise and deep machine learning capabilities of the Outseer Risk Engine™. TheRisk Engine, which is at the core of the Outseer Intelligent Platform,™ is built for precision detection. Itenables payment card issuers and processors to leverage the latest functionality as specified by theprotocol—and then goes even further.
The Outseer Risk Engine analyzes hundreds of data elements including signals coming from theOutseer Global Data Network™, our Partners and our Customers, and uses predictive algorithms todetect and prevent fraud in real-time. It uses an advanced machine learning statistical approach tocalculating the risk score. This approach looks at the conditional probability of each event toevaluate if its most likely genuine or fraudulent given the known facts or predictors.
All available factors are taken into consideration but weighted according to relevance; the mostpredictive factors contribute more heavily to the score. The predictive weighting calculations areupdated daily based on authentication results, case management feedback, and chargeback
data.

Outseer Risk Engine™: Innovation Under the Hood

Outseer Global Data Network™
Outseer 3-D Secure uniquely benefits from data signals contributed by the Outseer Global Data
Network – a globally shared, fraud intelligence consortium that gathers data from transactions
spanning thousands of companies in numerous industries around the world. When a member of thenetwork marks an activity as “Confirmed Fraud” / “Confirmed Genuine” in the case management
application the associated signals are shared across the network. When an activity is attempted andincludes one of the signals from the Outseer Global Data Network the risk is automatically adjusted,
delivering smarter risk decisions.

Outseer 3-D Secure™ - Data sheet

Step-up authentication options

Outseer 3-D Secure™ Case Manager

For the small percentage of transactions that arehigh 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’s
own authentication methods.

The Outseer 3-D Secure™ Case Manager
application enables you to track activities thattrigger rules and determine if they are fraudulent.
You can also use the application to researchcases and analyze fraud patterns when revisingor developing policy rules. When cases areresolved, you can use the case management UI
to provide feedback to the Outseer Risk Engine tohelp enhance the accuracy of future risk
decisions. An available API can be used toextract cases and activities to third party casemanagement systems, and to update caseresolution.

Outseer 3-D Secure™ Policy Manager
The Outseer policy management applicationtranslates risk intelligence into action. Using ourfine-grained policy controls, you can set specificactions to different risk score thresholds based onyour risk tolerance and your business objectives.

Outseer 3-D Secure™ Configuration
ManagerThis tool allows customers to view, edit anddelete parameters impacting the look & feel ofthe challenge flow via easy-to-use UI tool, thishelps customers to roll out changes to theirchallenge screens rapidly and effectively,
reducing their operational costs.

Outseer 3-D SecureTM
By achieving a balance between risk
and a seamless user experience,
Outseer 3-D Secure can help you:

Outseer 3-D Secure™ Advanced
Analytics
Outseer solution includes an analytics tool that
exposes a dashboard with key metrics such as
Fraud Detection Rates, Intervention rates,
Transaction volumes and value and much more.

2
Greater fraudsavings andcost efficiency

1

3Increasedinterchange
revenues

Increase
Transaction
approval

Sources:
1. eMarketer, Retail Ecommerce Sales Worldwide estimates, January 2022. Note: Does notinclude travel, event tickets, bill pay, taxes, food services, drinks, and other vice services
2. The Nilson Report, Global Card Fraud Losses, December 2021 (Issue 1209)
3. Aite-Novarica Group, October 2021 – Maximizing the potential of CNP
4. Outseer Research

Outseer 3-D Secure™ - Data sheet

5About Outseer
Outseer is on a mission to liberate theworld from transactional fraud. Our
market-leading payment and accountmonitoring solutions protect over $200
billion in annual payments while increasing
revenue and reducing customer friction forcard issuing banks, payment processors,and merchants worldwide. Leveraging
billions of annual transactions from morethan 6,000 institutions across the globe, ouridentity-based science delivers the highest
fraud detection rates and lowest customer
intervention in the industry. See what
others can’t at outseer.com.

©2022 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 inthis document is accurate. The information is subject to change without
notice. Published in the USA.06/21