Drive Up to 8-Figure Profit Increases with your AI-powered 3-D Secure Solution
Discover the hidden profit driver that reduces fraud and operational costs, lowers false positives, and increases interchange income when you choose Outseer over alternative providers.
Trusted by leading financial institutions around the world
Superior Card-Not-Present Fraud Protection
Outseer’s 3-D Secure data science uses unique consortium data from our Global Data Network while leveraging proven predictive AI-powered models resulting in superior performance with increased transaction approvals, reduced fraud, optimized challenge rates, and low false positive rates, translating to an 8-figure plus profit increases annually.
net positive contribution to your bottom line
volume of fraud prevented
increase in interchange fees
decrease in operational cost
3-D Secure Access Control Server Powered by Superior Data Science
Protect your brand and cardholders from Card-Not-Present Fraud
Outseer (formerly RSA) 3-D Secure is an EMV® 3-D Secure Access Control Server (3DS ACS) that helps you ensure regulatory compliance and lowers total cost of ownership. Outseer 3-D Secure helps you increase transaction approvals and reduce fraud and operational costs associated with investigation and failed authentications, all while providing a secure and frictionless digital shopping experience for your cardholders.
Powered by the Outseer Platform, 3-D Secure sets the industry standard for card-not-present (CNP) fraud mitigation, aligning with the latest EMV® 3-D Secure protocol. Within the Platform, the Outseer Global Data Network feeds superior consortium data into our AI-powered Outseer Risk Engine, which uses insights from billions of transactions to create a predictive risk score. The risk score and related transaction are decisioned by our robust policy or rules manager, and all alerts are fed into our feature rich case manager. This all results in proven performance for unparalleled CNP fraud prevention.
Learn more about our newest innovation that incorporates Behavioral Biometrics natively into 3-D Secure.
Dramatically reduce fraud by leveraging superior predictive AI
Reduce your overall fraud by leveraging Outseer’s superior data science from confirmed fraud signals in the Outseer Global Data Network. These signals feed into Outseer’s Risk Engine, which orchestrates diverse data elements with effective predictive AI models trained on billions of CNP transactions to reduce unnecessary friction and overall fraud.
Decreased operational costs with lower false positives for reduced customer friction
With fewer false alerts, there are fewer case investigations and customer inquiries, all leading to significant operational cost savings. Outseer’s superior data science has been proven in the largest banks in the world.
Increase approval rates to drive interchange revenue
Increase approvals with more accurate data that reduces false declines and cart abandonment. With a 98% transaction approval success rate, Outseer’s data science 3‑D Secure consistently outperforms other market solutions while minimizing fraud losses. This leads to increased interchange revenues and greater cardholder loyalty.
Swift compliance with evolving global standards
With over 20 years’ experience working with EMVCo and card networks, Outseer can ensure timely updates to the EMV® 3-D Secure protocol as standards evolve so you can swiftly adapt to changing regulatory requirements at the global, regional or local level.
A Set of Capabilities That Improve Efficiency and Put You in Control
Create informed rules based on data and policies
The Outseer Policy Manager ingests the transactional data from our Global Data Network along with the orchestrated risk signals that are used to create an accurate risk score from our Risk Engine. It then applies the rules and policies set to render a decision to approve, decline, or challenge the transaction.
The Policy Manager provides the flexibility to easily define or modify rules and policies. You can manage the rules and lists to develop a set of tailored risk-management policies that meet your organization’s security requirements and risk tolerance, ensuring control and compliance with your desired outcomes and business objectives. For each policy, the rules dictate actions under the defined circumstances.
Drill down to better understand and confirm fraud events
Outseer Case Manager is a critical component of the Outseer Platform that helps you track, research, and manage potential fraud events according to the policies that are set within our Policy Manager. When a suspected fraudulent transaction occurs, a case is generated to provide details of the transaction for further investigation by fraud analysts. Knowledge gained through these investigations can inform the swift creation of new policies or updates to current policies in our Policy Manager.
When cases reach final disposition, feedback is provided to the Outseer Risk Engine and Outseer Global Data Network, helping to enhance the predictive AI running at the heart of our Risk Engine.
Optimize challenge flows and user interface, on your own timeline
With Outseer 3-D Secure Configuration Manager, you are empowered to manage and deploy your cardholder challenge flows. The intuitive interface allows you to view, edit and delete parameters that impact the look and feel of the challenge flow.
Issuers can maintain consistent branding across screens in up to 6 languages. You can also customize communication with personalized messaging aligned with specific rules such as threat policies or company branding, ensuring clarity and trust in every interaction.
This flexibility allows you to also tailor workflows based on transaction types so you can accommodate diverse payment methods such as recurring subscriptions, therefore reducing friction and enhancing user convenience. You can further define templates to customize card-holder challenge flows, such as cases where further user authentication is needed. A template is a collection of the defined customized fields, together with associated configuration settings. You can also define multiple templates or re-use the same ones.
Finally, you can minimize the time to deploy configuration changes by rolling out the changes on your own timeline, all without needing to engage a professional services team with the associated costs. This flexibility lowers your total cost of ownership and improves the versatility of your fraud operations.
Superior Data Science and Technology
To protect your brand and cardholders from CNP fraud, Outseer 3-D Secure uses current, proven technologies and data science techniques.
Global Data Network
More accurate fraud detection with fewer interventions from superior consortium data
The Outseer Global Data Network is a collaborative data consortium that aggregates confirmed fraud signals from millions of transactions across thousands of the largest financial institutions in over 50 countries, resulting in around 830k transactions flagged and significant potential fraud prevented daily. With near real-time sharing of high-quality signals from confirmed fraud events, it provides indicators into emerging threat patterns.
Outseer 3-D Secure safeguards CNP transactions by using the Global Data Network score to analyze a wide variety of signal intelligence fields such as:
- Mobile device identifiers
- Emails and domains
- Cookies
- IPs
- Geolocation
- Merchant IDs
- Device Fingerprint
- Fraud patterns
Purpose-Built Risk Engine with Normalized Scoring and Signal Orchestration
Best-in-Class Risk Engine and Predictive AI models
The Outseer Risk Engine and AI are purpose built for 3-D Secure to detect fraudulent activity, using superior data from our Global Data Network and well-tuned predictive AI models trained on billions of transactions. Our algorithms orchestrate and analyzes transaction data, consortium data signals from our Outseer Global Data Network, and first- and third-party signals, producing a highly accurate score that is normalized to optimize intervention rates so you only challenge customers when necessary and at a predictable rate.
This helps us deliver robust, transparent authentication and unparalleled fraud prevention that delivers a proven performance advantage over competitive solutions for both fraud prevention and transaction completion rates, preventing hundreds of millions of dollars of fraud annually.
The Risk Engine for 3-D Secure integrates and orchestrates diverse data elements such as:
- User behavior
- Behavorial biometrics
- Device information
- Transactional patterns
- Geolocation
- EMV 3DS protocol specifics
Fully featured platform supports layered fraud prevention
Step-Up Authentication
With high-risk transactions or those breaching policies, a step-up authentication is triggered. Our out-of-the-box step-up authentication options and flexible interface integrate with your organization’s authentication methods, including One-Time Password (OTP), token interface workflows, and Out of Band (OOB) interface workflows.
You can also provide a personalized and transparent cardholder experience with tailored authentication screens for different transaction types, including text to clarify the nature of the transaction.
3-D Secure APIs
Tailor your cardholder experienceThe 3-D Secure API enables you to integrate your internal applications with 3-D Secure functionality and build a behind-the-scenes automation process between your internal systems and 3-D Secure, such as a central case manager for different applications. For example, you can use the Back Office API for actions such as retrieving transaction and case information, providing feedback on cases, and unlocking a blocked PAN.
KPI Dashboard & Analytics
The Outseer 3-D Secure solution has a KPI dashboard with key metrics such as fraud detection rates, intervention rates, transaction volumes, and transaction value, allowing you to track ROI.
The Analytics application helps you analyze site traffic, transactions, business trends, and performance data. You can view and export performance data to gain an overview of the metrics, and drill down into the data, or highlight trends and exceptions.
See where you can increase profits with our ROI calculator
Gain insight into hour much your financial institution could gain
Use our simplified calculator to input your transactions and see what you could save with Outseer compared to the industry baseline. Dig deeper with a consultant to get a more detailed picture of your ROI.
Stay compliant while preventing CNP fraud
1) Digital Commerce Transaction / Card Not Present Transaction
The process begins when a customer initiates a digital commerce transaction, such as making an online purchase through an ecommerce merchant/website.
2) Transaction Data Analysis and Risk Assessment
Our Risk Engine immediately analyzes the transaction data. It evaluates a comprehensive set of factors—including user behavior, device information, transactional patterns, geo-location, and data elements specific to the EMV 3-D Secure protocol. Leveraging unique consortium data signals from the Outseer Global Data Network, as well as first- and third-party signals, the Risk Engine orchestrates multiple signals and assesses the risk level of the transaction. Your customized rules and policies further refine this assessment. This allows each transaction to be categorized into one of three risk levels: Low Risk, High Risk, or Highest Risk.
The Outseer Risk Engine continuously monitors transaction patterns and updates its algorithms based on new data, ensuring ongoing optimization and robust fraud prevention for future transactions. This ensures a seamless shopping experience by quickly processing low-risk transactions while applying necessary security measures for higher-risk transactions, ultimately reducing fraud while enhancing the consumer experience.
Delivering value throughout your Outseer journey
Achieve optimal fraud detection while maintaining operational efficiency and enhancing customer experience with Outseer Value Added Services.
CSM & Fraud Advisory subscriptions maximize value
Rapid onboarding services
Tailored assistance to optimize operational performance
Expert guidance to optimize the value of the Outseer solution
Training available when you need it
Tap into our knowledge base
Ready to get started?
Discover how easy it is to stop fraud before it happens and know that every transaction is as real as the happy customer behind it by giving your teams the tools to succeed. Explore Outseer's proven solutions today!
