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- W3030236994 abstract "Background. 3-D Secure 2.0 (3DS 2.0) is an identity federation protocol authenticating the payment initiator for credit card transactions on the Web. Aim. We aim to quantify the impact of factors used by 3DS 2.0 in its fraud-detection decision making process. Method. We ran credit card transactions with two Web sites systematically manipulating the nominal IVs textsf{machine_data}, textsf{value}, textsf{region}, and textsf{website}. We measured whether the user was textsf{challenged} with an authentication, whether the transaction was textsf{declined}, and whether the card was textsf{blocked} as nominal DVs. Results. While textsf{website} and textsf{card} largely did not show a significant impact on any outcome, textsf{machine_data}, textsf{value} and textsf{region} did. A change in textsf{machine_data}, textsf{region} or textsf{value} made it 5-7 times as likely to be challenged with password authentication. However, even in a foreign region with another factor being changed, the overall likelihood of being challenged only reached $60%$. When in the card's home region, a transaction will be rarely declined ($< 5%$ in control, $40%$ with one factor changed). However, in a region foreign to the card the system will more likely decline transactions anyway (about $60%$) and any change in textsf{machine_data} or textsf{value} will lead to a near-certain declined transaction. The textsf{region} was the only significant predictor for a card being blocked ($mathsf{OR}=3$). Conclusions. We found that the decisions to challenge the user with a password authentication, to decline a transaction and to block a card are governed by different weightings. 3DS 2.0 is most likely to decline transactions, especially in a foreign region. It is less likely to challenge users with password authentication, even if textsf{machine_data} or textsf{value} are changed." @default.
- W3030236994 created "2020-06-05" @default.
- W3030236994 creator A5026061564 @default.
- W3030236994 creator A5071538154 @default.
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- W3030236994 date "2018-12-04" @default.
- W3030236994 modified "2023-10-17" @default.
- W3030236994 title "Investigation of 3-D secure's model for fraud detection" @default.
- W3030236994 cites W4233854457 @default.
- W3030236994 doi "https://doi.org/10.1145/3361331.3361334" @default.
- W3030236994 hasPublicationYear "2018" @default.
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