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Originally Posted by 0verHull
3d 2.0 will be able to do behavioral analysis, ie they will automatically check the shipping address, the device id, the card expenses, the cardholder ip, they will base purchases on the habits of the owner of the card to approve a purchase, this is something that Paypal already does, the problem is that now in Europe any purchase above € 30 (PSD2) will be required to have 3d 2.0 verification.
That is in 3d to approve a purchase just had 2FA, now to approve they will rely on multi-factor authentication. Another important thing is Biometrics in 3d.2.0 they will use fingerprints, face recognition or voice recognition. Using these methods will completely eliminate the one-time password and make it fraud impossible (or at least much more difficult).
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This looks very hard to implement. And will cost a lot of money. They’ll probably be a 10 year timeframe for something like this. It won’t happen overnight