iDNA Merchant Solution Enhances EMVCo 3D-Secure Online Payment Experience and Security

NASHVILLE, Tenn. – 20 March 2018 – mSIGNIA, the leader in analytical authentication and inventor of Digital Biometrics, announces the iDNA Merchant Solution for EMVCo 3DS.  The iDNA platform is designed specifically so Merchants can easily support and enhance EMVCo’s 3DS version 2.1 specifications for secure online payment.

The ‘big new’ in 3DS-2 is mobile payments; the ‘big fix’ is a frictionless consumer experience. mSIGNIA was the first to release an iOS and Android mobile security SDK.  mSIGNIA’s designed-for-mobile SDK is invisible to the user, privacy compliant, conserves battery and reduces network traffic.  The 6thgeneration mSIGNIA SDK for iOS, Android and browsers is a ‘universal’ SDK (uSDK); enabling:

  • Merchants to integrate a single SDK in their mobile apps and website which supports EMVCo 3DS compliant payment networks and issuing banks
  • Issuing banks to register their risk-based authentication data requirements with the Merchant’s app so challenges are diminished, and more transactions are approved on the initial request

“mSIGNIA’s iDNA 3DS-2 solution was designed to nearly eliminate the need for merchants to challenge the consumer, a chief cause of transaction abandonment.  Two payment networks have already licensed mSIGNIA’s EMVCo 3DS solution to ensure an easy buying experience and reliable data access for their issuing banks,” said Paul Miller, CEO for mSIGNIA. “mSIGNIA’s ‘gateway’ design enables these features to be added to any compliant EMVCo 3DS merchant deployment.”

The iDNA Merchant Solution offers mSIGNIA’s patented security solutions as micro web services which merchants and other 3DS vendors can license to enhance 3DS-2 payments, including:

  • A 3DS Hybrid solution supports both 3DS v1 and v2 to accept more transactions
  • Payment Network selection allows a merchant to select the optimal pay rail for each transaction
  • App Point Protection protects eCommerce servers by detecting mobile malware risks to the OS and the merchant’s app
  • Digital Biometrics for two-factor authentication, analyzing over 1000 anonymized data signals
  • Associated Push replaces SMS OTP challenges for easier, safer risk-based authentication

mSIGNIA is recognized as a leader in mobile payment security, elected as a technical advisor to the EMVCo board and participating in EMVCo 3DS Early Adopter compliancy testing; the iDNA uSDK and 3DS Server will be certified compliant when certifications become available.

Merchants and 3DS vendors can contact mSIGNIA today at sales@mSIGNIA.comto arrange a demo of mSIGNIA’s iDNA merchant solution including its patented enhancements to EMVCo 3DS.

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mSIGNIA, Inc. Announces Patent Office Victory in Continued Patent Enforcement Efforts Against American Express® Company Subsidiary InAuth, Inc.

FRANKLIN, Tenn., May 15, 2018 — mSIGNIA, Inc., a leader in analytical authentication and inventor of Digital Biometrics, announced today that it obtained a milestone victory in its continued patent enforcement campaign against American Express Company (NYS: AXP) subsidiary InAuth, Inc.

On May 10, 2018, the Patent Trial and Appeal Board rejected InAuth’s attack on one of mSIGNIA’s key patents, U.S. Patent No. 9,559,852 (the “’852 Patent”).  The PTAB’s decision will result in mSIGNIA’s patent enforcement action in the United States District Court for the Central District of California, filed November 10, 2017, continuing on schedule.  That enforcement action is set for trial in February 2019.  In the enforcement action, mSIGNIA seeks damages for any of InAuth’s past infringement and an injunction against American Express’s future use of any authentication technology covered by the ‘852 Patent.  The ‘852 Patent pertains to methods for identifying a device (such as a smartphone) or its user by using data found on the device and anticipating changes in that data.

“Frictionless mobile authentication is fundamental to the future of cyber security.  It is important mSIGNIA protect shareholder value and defend the market advantage our intellectual property provides our licensed customers.  We look forward to our day in Court and intend to protect mSIGNIA’s patents including by seeking appropriate injunctions as necessary,” stated Paul Miller, CEO of mSIGNIA.  mSIGNIA is represented in U.S. District Court and the Patent Trial and Appeal Board by Kenneth G. Parker and Thomas King of Haynes and Boone, LLP.

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mSIGNIA Elected as EMVCo Board Advisor

FRANKLIN, Tenn., January 15, 2018 — mSIGNIA, Inc., the leader in analytical authentication and inventor of Digital Biometrics, announced today that technical associate members of EMVCo elected mSIGNIA to be a representative to the EMVCo board of directors.  EMVCo’s board of directors is comprised of leaders from six global payment network companies:  American Express®, Discover®, JCB®, Mastercard®, UnionPay®and Visa®.

mSIGNIA joined EMVCo as a Technical Associate in December 2015 to aid in the design of EMV 3DS, the global security standard for online payments.  Several elements of the EMV 3DS final specification were direct results of mSIGNIA’s expertise in mobile security.  mSIGNIA’s EMV 3DS SDK for browsers, iOS®, and Android®and mSIGNIA’s 3DS Server for merchants were part of EMVCo’s Early Adopter testing program where leading EMVCo technical associates provided the first products for compliance testing validation.

In just a couple of years, EMVCo Technical Associates recognized mSIGNIA’s efforts, dedication, and leadership with their appointment to the board as one of their representatives. “3DS provides a frictionless user experience and secure online payments,” said Paul Miller, CEO of mSIGNIA, “mSIGNIA is proud to be part of the EMV 3DS effort and excited on continuing efforts within EMVCo.”

mSIGNIA offers several EMV 3DS products including a ‘universal’ SDK which increases the number of transactions approved, a complete EMV 3DS Server merchant solution enhanced with many microservices that are designed first for mobile and always for privacy.  Already, two of EMVCo’s board member companies have licensed mSIGNIA’s 3DS SDK for use within their EMV 3DS rollouts.

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