RBA-supported Frictionless Flow

EMV published 3DS_Spec_200 in 2016 where the concept of frictionless flow and ACS risk assessment were mentioned for the first time, but how the ACS conducts risk assessments was not defined.

Based on years of experience in 3DS implementation and the various needs of banks, HiTRUST's product professionals have developed Risk-based Authentication (RBA) specifically designed for 3DS 2.0 transaction in HiTRUSTacs, providing many rules and risk analysis perspectives. Card issuers can choose the required authentication rules and weights, and set high, medium and low risk strategies based on the overall scoring results. The new module was integrated with Mastercard RBA score and Visa RBA score later on.

CGB(China Guangfa Bank) Credit Card is the first credit card in China issued by CGB in 1995, and it is also the first credit card with profitability. By the end of 2022, the cumulative number of GF credit cards issued reached 109 million, ranking among the top of joint-stock banks, the total amount of credit card transactions exceeded 2.49 trillion yuan, and the average card consumption and card activity rate led the industry.

CGB Credit Card accurately implements the strategy of deeply cultivating key customer groups and achieves steady growth of customer scale and continuous optimization of customer group structure through a series of product innovations and upgrades, as well as refined and digital operations. According to the statistics of card schemes, the use of the HiTRUST’s RBA module specifically for 3DS transactions has indeed increased the success rate of frictionless transaction in CGB.