Payment Authentication on the Web: an Issuer’s Perspective

• Upcoming
• Tentative
• Breakout Sessions

3DS authentication is nearly ubiquitous in all regions, yet payment security continues to collide with customer friction. With advancements in webAuthn extensions, digital credentials, and biometric authenticators, it’s clear that antiquated authentication methods like OTP are part of a fading past.

In this session, I’ll walk through Capital One’s 3DS payment authentication approach. Topics will include our thoughts towards Passkeys, challenges with our novel AirKey authentication method, and our journey to disintegrate a reliance on OTP.

Agenda

Chairs:
Albert Schibani

Description:
3DS authentication is nearly ubiquitous in all regions, yet payment security continues to collide with customer friction. With advancements in webAuthn extensions, digital credentials, and biometric authenticators, it’s clear that antiquated authentication methods like OTP are part of a fading past.

In this session, I’ll walk through Capital One’s 3DS payment authentication approach. Topics will include our thoughts towards Passkeys, challenges with our novel AirKey authentication method, and our journey to disintegrate a reliance on OTP.

Goal(s):
Provide an issuer perspective on 3DS authentication. Drive discussion & brainstorm potential advancements in payment security.

Materials:

• Session proposal on GitHub

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