mSIGNIA, the leader in mobile-first security, provides EMV 3DS® compliant solutions for all 3DS parties: merchants, payment processors, payment networks, issuing banks and even other 3DS vendors. mSIGNIA’s universal SDK, SDK Manager, 3DS Merchant Server and Data Gateway enhance EMV 3DS with sophisticated mobile design, advanced data management, and respect for international privacy laws. mSIGNIA served as an EMVCo® technical associate, an early 3DS tester, and elected advisor to the EMVCo Board while the EMV 3DS specs were being developed. mSIGNIA provides both EMV 3DS compliant products and a platform for certifying EMV 3DS compliancy with payment network brands including Mastercard®, Visa®, Discover® and others.
mSIGNIA, founded by Paul Miller and George Tuvell, has grown into a team dedicated to the creation, enhancement and improvement of the EMV 3DS payment security solution.
Paul Miller has been in security since 1993 and mobile security since 1999. His prior experiences include leading global mobile security efforts at Symantec, Gemplus (now Gemalto) and GTE Cybertrust as well as innovative startups in the US and Switzerland. He has served on numerous industry boards including Radiccho (the first ever mobile security consortium), Liberty Alliance (the first identity consortium), EMVCo and Global Chipcard Alliance for payments and a European Commission project on trusted transaction roaming. He holds about ten patents with more pending.
George Tuvell’s entire career – since 1999 – has been in mobile security. mSIGNIA is George’s 3rd mobile security startup. His prior startup, SMobile Systems, was a global innovator in operator-grade mobile security solutions for large customers including AT&T, Sybase, Vodafone, Nokia, and VeriSign; Juniper Networks bought SMobile in 2010. He has worked with security industry associations including the Messaging Anti-Abuse Working Group, Mobile Anti-Virus Research Association, Oceanos and EMVCo. He is an inventor on about ten patents before founding mSIGNIA and about ten more with mSIGNIA.
The Importance of Privacy
With mobile apps, users are given the opportunity individually approve the permissions an app requests to access data. While mSIGNIA recommends certain permissions because their data improves security (i.e. geolocation and identifiers), mSIGNIA does not itself request permissions nor do we require an app developer to request certain permissions.
mSIGNIA’s multi-party, remotely configurable uSDK enables merchants and banks to control which data is collected and passed according to international privacy laws and ecosystem rules. The uSDK is also designed to limit the number of off-device, third-party connections a mobile app initiates to control data exposure.
Even after a user gives their consent for a mobile app to access their data, mSIGNIA’s products take great care to anonymize any personal identifiable data allowable before it is sent off the device through various fuzzing and hashing techniques. These techniques ensure PII is not stored on web servers and the anonymization of identifiers prevents multiple web services from colluding to create a cross-indexing of a user or their device.