HiTRUST's Worldwide Collaborative Success with ICBC

Industrial and Commercial Bank of China (ICBC) was established in 1984. It is a large state-owned commercial bank in China with several overseas branches and holds the top position in terms of revenue among the world's top 500 banks.

In 2014, HiTRUST started ICBC's 3D secure project, enabling 3D secure authentication services to roll out for Visa and Mastercard. This initiative marked a significant milestone for cross-border e-commerce in China. In 2021, HiTRUST continued its partnership with ICBC by implementing the 3-D Secure2.2 system for both the issuing and acquiring sides, covering various card brands, including JCB, AE, CUP and Discover. Remarkably, HiTRUST successfully passing the PIT (Product Integration Testing) conducted by VISA, Mastercard, JCB and AE within 7 months.

In April 2023, HiTRUST achieved another milestone by assisting ICBC in successfully launching China's first Visa Risk-Based Authentication (RBA) scoring system. This implementation significantly improved the success rate of password-free transactions for cardholders during the 3D secure authentication process.

To date, we have successfully completed the construction of the 3-D Secure system for ICBC's head office and overseas branches in Hong Kong, Macau, Singapore, Indonesia, Vietnam, Thailand, Cambodia, and the United States. The system is currently operating smoothly, delivering stable and reliable services.