3-D Secure Access Control Server
3DS 2.3 · ICBA Biometric · Issuer-Controlled
Authenticate with biometrics.
Controlled entirely by the Issuer.
bRUID ACS is a high-performance 3-D Secure authentication module where biometric verification is completely controlled by the Issuer Host - not delegated to third parties. Powered by the ICBA Framework, it replaces OTPs and passwords with fingerprint, face, and iris authentication across frictionless and challenge flows. Certified with Visa Secure, Mastercard SecureCode, RuPay SecurePay, Amex SafeKey, and JCB J/Secure.
Latest EMVCo protocol
Visa · MC · RuPay · Amex · JCB
Biometric auth at Issuer Host
ICBA biometric replaces OTP
bRUID ACS handles the complete 3DS authentication lifecycle - from risk evaluation and frictionless routing to biometric challenge flows and out-of-band verification. ICBA biometric authentication replaces OTPs at every critical touchpoint, with full control at the Issuer Host.
Full EMVCo 3-D Secure 2.3 implementation with frictionless and challenge-based authentication flows
Fingerprint, face & iris verification controlled entirely by the Issuer Host - replacing OTP and passwords
Adaptive risk evaluation with device fingerprinting, behavioral analysis & geo-anomaly detection for frictionless routing
Low-risk transactions auto-approved without cardholder interaction using real-time risk scoring and trust signals
High-risk transactions trigger ICBA biometric challenge - face, fingerprint, or iris instead of OTP
Out-of-band biometric verification via mobile SDK and push-approval for in-app authentication scenarios
Collect and analyze device signals - browser, OS, screen, IP, timezone - to build trust scores and detect anomalies
BIN/MCC/IP/amount-based rules with configurable thresholds for issuer-specific fraud prevention policies
Complete authentication decisioning at the Issuer - biometric verification, risk scoring, and approval all within issuer infrastructure
Certified with Visa Secure, Mastercard SecureCode, Amex SafeKey, JCB J/Secure, RuPay SecurePay & SecurePlus
Horizontal scaling for peak online traffic with sub-100ms authentication response times
EMVCo 3-D Secure, PA-DSS, PCI-DSS certified with tamper-evident audit logging and role-based access
Unlike third-party OTP providers, bRUID ACS keeps biometric verification entirely within the Issuer Host. The issuer decides when to challenge, which biometric modality to use, and controls the entire authentication lifecycle - no external dependencies, no OTP vendors, no latency.
Low-risk transactions pass through silently using device trust, behavioral signals, and transaction history - zero cardholder friction.
High-risk transactions trigger ICBA biometric verification - fingerprint, face, or iris - directly at the Issuer Host. No OTP, no SMS dependency.
Real-time risk engine evaluates device fingerprint, geolocation, velocity, and behavioral patterns to route between frictionless and challenge flows.
Mobile SDK push-approval with ICBA biometric verification for in-app authentication - secure, fast, and completely under issuer control.
3DS Server sends auth request
Device, geo & behavioral scoring
Route based on risk score
Issuer-controlled verification
Approve or decline at Issuer Host
Response to 3DS Server
Certified with major card network 3-D Secure programs - ICBA biometric authentication at the issuer level across all schemes.
3DS 2.3 certified
3DS 2.3 certified
3DS 2.3 certified
3DS 2.3 certified
3DS 2.3 certified
Low-risk transactions auto-approved using device trust scores, transaction history, and behavioral patterns. Zero cardholder interaction - sub-100ms response time.
High-risk transactions trigger ICBA biometric challenge - fingerprint, face, or iris verification at the Issuer Host. No OTP dependency, no SMS latency, no phishing risk.
Out-of-band authentication via mobile SDK with push-approval and in-app biometric verification. Rich APIs for custom integration with issuer mobile apps.
Real-time risk scoring combining device fingerprinting, geolocation, velocity checks, merchant anomaly detection, and BIN/MCC/IP/amount-based custom rules.
Collect browser, OS, screen, IP, and timezone signals to build device trust scores. Detect emulators, VPNs, rooted devices, and proxy connections.
Complete authentication decisioning within issuer infrastructure. Card processing, fraud prevention, and biometric verification - all controlled by the issuer, not third parties.
bRUID ACS integrates with BNPRS product suite and external systems to deliver a complete payment processing ecosystem.
Delinquency management & recovery
Bureau & field data integration
Role-based server access & permissions
GL entries & financial reporting
Acquirer management & routing
Issue tracking & resolution workflows
Customer-facing mobile applications
ISO 8583 message interfacing
Hardware Security Module for key management, PIN processing, and cryptographic operations.
Card personalization, printing, and embossing with BIX applet provisioning.
Multi-channel notification engine for transaction alerts and customer communications.
Terminal management for remote updates, key injection, and fleet monitoring.
Enterprise-grade infrastructure with ICBA biometric security at the core.
Compliant processing
PIN security standard
Protocol certified
Application security
Deploy bRUID ACS as your 3-D Secure authentication platform with ICBA biometric verification - controlled entirely by your Issuer Host.