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電子商務安全的競爭技術

Securing E-Commerce: Competing Technology Crowds the Market

出版商 Mercator Advisory Group, Inc. 商品編碼 834436
出版日期 內容資訊 英文 30 Pages, 10 Exhibits
商品交期: 最快1-2個工作天內
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電子商務安全的競爭技術 Securing E-Commerce: Competing Technology Crowds the Market
出版日期: 2019年02月12日內容資訊: 英文 30 Pages, 10 Exhibits
簡介

電子商務的成長,吸引來自信用卡公司、加盟店、銀行、創投業者數十億美元的投資,不過,儘管電子商務,尤其是行動商務利用的增加,並未進行防止未經授權使用的投資。隨著不使用卡片的CNP交易增加,拒絕交易,扣回爭議帳款,機器人攻擊,詐騙行為劇增。

本報告提供電子商務的各種安全技術調查,電子商務的非法貿易現況,安全確保的選項,EMVCo聯盟的配合措施,主要安全解決方案的檢討等資料彙整。

調查亮點

  • 目前技術的評估
    • CP付款:EMVCo聯盟6家公司的技術、專門性的共享
    • 導入了EMV讀卡器的加盟店的非法貿易額的減少
  • EMVCo的電子商務安全的配合措施
    • EMVCo的電子商務安全解決方案:現在沒有作用
    • 更新、改善準備中
  • 各種安全解決方案的檢討
    • W3C
    • 數位身分
目錄

Competing technology crowds e-commerce security market.

Mercator Advisory Group evaluates the current and future state of e-commerce security and finds promise and peril in new technology.

The growth of e-commerce has commanded billions of dollars in investments from credit card companies, merchants, banks, and venture capitalists. This future however, has gone relatively unsecured. Despite usage spikes for e-commerce and especially mobile commerce, no amount of investment has yet corralled e-commerce fraud. The rise of card-not-present transactions has been paralleled by spikes in declined transactions, chargebacks, bot attacks, and fraudulent transactions. A new research report from Mercator Advisory Group titled “Securing E-Commerce: Competing Technology Crowds the Market” details the nature of the current state of e-commerce fraud, the options for securing it in the short and long term, and some scenarios for e-commerce security. The report makes the case that the EMVCo consortium and other potential technology entrants need to plan for a more sensibly sustained roll-out of technologies that consider merchants and banks more formidably in the process of fighting e-commerce fraud.

“The gauntlet has been thrown for 2019 for securing e-commerce. While the industry tries to solve e-commerce security issues, in many senses it is getting in its own way. EMVco, which has made strides in card-present fraud, is preparing new technologies for e-commerce. The most promising of these is 3-D Secure, version 2.0 (3DS2), an upgrade of current authentication technology, which is a significant upgrade over the original protocol 3-D Secure (3DS) from the global card network consortium EMVCo that could impact e-commerce and m-commerce fraud frequency and the negative costs associated with it. Yet, credit card companies are preparing a more aggressive upgrade called Secure Remote Commerce on its heels. Banks and merchants will have a stake in securing e-commerce, but may be confused by rapid-fire roll-outs from EMVco,” comments the author of the report, Tim Sloane, Vice President, Payments Innovation, and Director, Emerging Technologies Advisory Service, at Mercator Advisory Group.

This research report has 30 pages and 10 exhibits.

Companies and other organizations mentioned in this report include: ACI, Adyen, Alibaba, Amazon, American Express, Apple, AsiaPay, BarclayCard, Best Innovation Group, Cardinal Commerce, Cisco, CULedger, Decentralised Identity Foundation, Discover, eBay, EMVCo, Evernym, Facebook, Federal Reserve Bank of Minneapolis, First Data Corporation, Fiserv, Google, Government of British Columbia, Government of Ontario, InAuth, IBM, International Airlines Group, JCB, Linux Foundation, Lloyds Bank, Kount, Mastercard, Microsoft, Mozilla Foundation, National Institute of Standards and Technology (NIST), Novartis, NuData, PayPal, Protegrity, Royal Credit Union, SITA, Sovrin Foundation, Square, Stripe, TokenEx, Tencent, ThreatMetrix, TSYS, UnionPay, Veridium, Visa, Worldpay, and The World Wide Web Consortium (W3C).

One of the exhibits included in this report:

Highlights of the research report include:

  • Assessment of current technology. For physical retail, securing payments has been a case study in corporate cooperation and developing technology. Unfortunately, the same cannot be said about e-commerce. For card-present transactions, the EMVCo consortium of six companies (American Express, Discover, JCB, Mastercard, UnionPay, and Visa) has shared technology and expertise to solve a crisis that threatens its future growth: payment fraud. In just over five years, EMVCo has produced dramatic results toward securing card-present payments with its chip and PIN technology. Since launching in October 2015, merchants that have installed the EMV card readers at the point of sale have seen a 75% drop in fraudulent charges, compared to a 46% drop for all U.S. merchants. U.S. market share leader Visa says that 97% of all U.S. payment volume ran through EMV cards during the month of June 2018.
  • EMVCo's efforts toward securing e-commerce. 3-D Secure, the e-commerce security solution introduced by EMVCo is not working. The consortium is preparing an update and overhaul of this technology under tremendous pressure from credit card companies, banks, merchants, acquirers, and processors. For traditional banks and emerging financial technology companies, the stakes are high.
  • A review of security solutions. A review of the background that has made tokenization the leading candidate to make a significant impact in e-commerce fraud and a look at the two new technologies that could change the game: W3C and digital identity.
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