Personal authentication service (EMV 3-D Secure)

Personal authentication service (EMV 3-D Secure)

本人認証サービスとは、インターネット上でのクレジットカード決済をより安全に行うためのサービスです。本人認証サービスの3Dセキュアは決済時にクレジットカード番号、有効期限等の情報に加え、お客さまがカード発行会社にあらかじめ登録したパスワードをご入力いただくことでカード会員さまご本人であることの認証を行うサービスです。また当社では2021年9月より、不正利用が疑われる人のみワンタイムパスワードなどでの本人認証を行うEMV 3-Dセキュアを提供しました。
なお、クレジットカード・セキュリティガイドライン[5.0版]では、2025年3月末までに原則すべてのECサイトにEMV 3-Dセキュアを導入することが求められています。

EMV3-Dセキュアの導入方法はこちら

• Our Credit Card Payment

Features

Prevents identity theft by unauthorized users

The number of fraudulent credit card transactions on the Internet is increasing.
The identity authentication service authenticates cardholders using a password or one-time password that only they know, thereby preventing fraudulent users from making "spoofed" payments using stolen cards, etc.
We also offer other fraud prevention solutions.

• AI Fraud Detection

Reduces risk of chargebacks

When a credit card is used by a third party, the card company will refuse to pay the merchants for the sale (a chargeback).
In principle, card companies do not issue chargebacks for payments that have gone through personal authentication. (There are some exceptions and rules for each brand)

(EMV 3-D Secure) Only verifies those suspected of fraudulent use

EMV 3-D Secure analyzes multiple data points in real time to determine possible unauthorized use, including credit card usage history, the device used by the person making the card payment, as well as the delivery address for the product at the time of purchase. Authentication will only be performed on cardholders suspected of fraudulent use.
Cardholders not suspected of fraudulent use can save the trouble of verifying their identity, making for smoother transactions.

Details

Supported brands

The EMV 3-D Secure brands (service names) supported by our company are as follows.
・VISA (VISA Secure)
・MasterCard (ID Check)
・JCB (J/Secure)
・American Express (SafeKey)
・Diners (ProtectBuy)

Supported devices

Available from PC and smartphone.

Connection methods

リンク型、API型でご利用いただけます。

EMV3-Dセキュアの導入方法はこちら

Usage Examples

This is an example of how to use identity authentication. If the card company determines that the risk is low, the card company screen may not be displayed.

EMV 3-D Secure