This online training course provides an in-depth discussion on what 3-D Secure Consumer Authentication programs are, how they work, the various parties that are involved, and what has changed with 3-DS 2.0. These programs are also explained in the context of the benefits and value they provide organizations with details around implementation and liability shift requirements. Mandates and requirements for Strong Consumer Authentication (SCA) are discussed in terms of how they apply in Europe, Australia, as well as Asian, Latin American and African nations, including how 3-DS 2.0 can meet these requirements. Several considerations and best practices for methods of implementing 3-D Secure programs are discussed including key concepts such as Selective Presentment, passive and dynamic authentication.

 

This course was last updated in April, 2020. It was updated in its entirety and renamed to reflect the evolved consumer authentication programs known as EMV 3DS or 3-DS 2.0, as well as the SCA requirements related to PSD2 in Europe and other mandates around the globe. Updates include new discussions around SCA (Strong Consumer Authentication), 2FA (two-factor authentication) and 3-DS 2.0, as well as new best practice recommendations related to implementing EMV 3DS. 3-DS 2.0 and SCA mandates are discussed including when they do and do not apply in Europe, Australia, Asia, Africa and Latin America. Offered in HTML5 and compatible with all mobile devices.

Course Access: Unrestricted

 

Course Availability: Online, In-House and Webinar

 

Prerequisites: This is an intermediate level course building off fundamental information about how eCommerce credit card payments work. A solid foundation level knowledge in eCommerce payment card acceptance is strongly recommended, and these concepts are covered in the Introduction to eCommerce Credit Card Payments online training course.

 

The Fraud Practice's Online Portal and Training Courses:

• Available On Demand 24x7
• Fast, Reliable Online Presentation
• SCORM Compliant
• Includes Course Syllabus
• Includes Course Lessons & Quizzes
• Includes Final Exam
• Course Completion Certificate

Attendees of this online training course should expect to be able to discuss several considerations for implementing 3-D Secure Consumer Authentication, both in the context of when it is presented and how cardholders are authenticated. This course also provides discussions on Strong Consumer Authentication (SCA) mandates related to PSD2 in Europe and in other regions, and how 3-DS 2.0 can be used to meet such requirements for payment card transactions.

 

Key Concepts Covered:

• Selective Presentment
• SCA and PSD2
• MPI and ACS
• Fraud Liability Shift
• Interchange Reduction
• Passive Authentication
• Dynamic Authentication
• Risk Based Authentication

After completing this course you should be able to answer and discuss the following questions:

1. What is the 3-D Secure protocol and what procedures take place during the authentication process?
2. What's changed with 3-DS 2.0?
3. What are the benefits to merchants using 3-D Secure programs and added benefits of 3-DS 2.0?
4. What are the important considerations with respect to how 3-D Secure Authentication can be implemented by an eCommerce merchant?
5. What is Strong Consumer Authentication (SCA) and when and where is it required?

 

Expected time to complete training: 150 minutes (includes quizzes and exam)

 

Course Applicability:

• Payment Types: Payment cards
• Channels: Customer Not Present / eCommerce
• Regions: Global - North America, Europe, APAC, South America, Africa
• Level of Difficulty: Intermediate

Taking this course provides 2 Fraud Related Continuing Professional Education (CPE) credit for maintaing CFE credentials with the Association of Certified Fraud Examiners (ACFE).

 

Learn more about CPE credits.

Training Objectives:

1. Understand and be able to define how 3-D Secure Consumer Authentication programs work including 3-DS 2.0 and beyond, the parties involved and each entity’s role in facilitating the authentication process.
2. Understand the evolving role of Consumer Authentication as it applies to SCA and what has changed since PSD2 including mandates in and outside of Europe.
3. Be able to discuss best practice considerations for implementing Consumer Authentication and SCA in terms of when it should be used and how cardholders are authenticated.