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EMVCo and FIDO Alliance to define authentication method for EMV 3-D Secure use cases


EMVco and the FIDO Alliance will work together to define in detail how EMV 3-D Secure (3DS) can be used to pass FIDO authenticator attestation data and signatures in a scalable and interoperable way across the EMV payments ecosystem.

The organizations have previously collaborated on the development of User Verification Caching (UVC) extensions of the FIDO specifications to apply the FIDO authentication protocol to support EMVCo’s verification technology.

“The EMV 3DS Specification promotes more secure, consistent consumer e-commerce transactions across browser and in-app channels, while optimizing the cardholder’s experience,” comments Cheryl Mish, EMVCo Board of Managers Chair. “Incorporating support for the FIDO Authentication protocol will provide stronger authentication, enhance transaction security and provide a more convenient and simpler authentication experience for cardholders. Our expanded collaboration with FIDO will support EMVCo’s efforts to deliver a consistent and more secure global solution that will be less likely to compromise user experience.”

“FIDO’s approach to modern authentication has taken root in devices around the world, and we’re happy to work with EMVCo to further expand this paradigm into the EMV payments arena,” said Brett McDowell, executive director of FIDO Alliance. “By ensuring interoperability of privacy-respecting authentication metadata between merchants, payment service providers, and banks in a 3DS transaction, fraud risk is reduced whenever FIDO Certified devices are used.”

The FIDO Alliance recently reported strong momentum in the first half of the year.

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