RUID Pass

Biometric Authentication Gateway

3DS · FIDO2 · ICBA Framework

Authenticate with identity.
Not passwords. Not OTPs.

RUID Pass is a biometric authentication gateway that replaces traditional OTP and password-based verification with cardholder biometric identity. Integrated with 3DS 2.0 for e-commerce, FIDO2 for passwordless login, and ICBA Framework for in-person verification — providing a unified authentication layer across all payment channels.

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Authentication Flow

Transaction Initiated Card-present or e-commerce

3DS / FIDO2 Challenge Protocol-specific auth request

Biometric Capture Fingerprint, face, or iris scan

ICBA Verification Match against enrolled identity

Auth Response Approve or decline in <500ms

Authentication Features

RUID Pass provides biometric-first authentication across every payment channel — replacing vulnerable OTPs and passwords with cardholder identity.

3DS 2.0 Integration

Native 3D Secure 2.0 support for e-commerce authentication. Biometric challenge replaces OTP — frictionless for low-risk, step-up for high-risk transactions.

FIDO2 / WebAuthn

Passwordless authentication for web and mobile. Hardware security key and platform authenticator support with biometric verification.

ICBA Biometric Verification

Server-side biometric matching against enrolled cardholder identity. Not device biometrics — actual identity verification via BNPRS ICBA Framework.

Multi-Modal Biometrics

Support for fingerprint, face recognition, iris scanning, and palm vein. Adaptive modality selection based on channel and risk level.

Sub-500ms Response

Optimized biometric matching pipeline delivers authentication decisions in under 500 milliseconds — no perceivable delay for cardholders.

Risk-Based Step-Up

Intelligent step-up authentication. Low-risk transactions pass through silently; high-risk triggers biometric challenge — reducing friction while maintaining security.