Delegated authentication is a technology that you should definitely consider if you want to take control of your checkout process. This technology can enable authenticationat the retailer which will improve user-friendliness.
With this technology, offering the checkout process in online shops as simple and straightforward as possible for customers, something that reduces abandoned purchases and improves conversions - that is what e-commerce is all about. When merchants authenticate their customers themselves, one-click checkout becomes very easy to implement.
The prerequisites are in place. The strong trend towards online shopping will continue. A lot of online merchants already know their customers and use various methods to authenticate them. With more and more customers using smartphones and tablets for online shopping, this technology is unavoidable.
Most mobile devices and browsers support biometrics, which facilitates authentication. The merchants who use Card on File based on tokenization (where card data is permanently stored at the merchant in the form of tokens) already benefit from higher conversion rates as well as improved user-friendliness. What this means is that all the prerequisites are in place to enable merchants to provide PSD2-compliant authentication for their customers.
There are various good reasons why delegated authentication is very useful to merchants. As a PSD2-compliant authentication method for merchants, the technology of the FIDO-Alliance is ideal. When a merchant securely registered their customers via FIDO, the login to the merchant's customer account can be used as authentication for payment transactions.
The FIDO standards for authentication are supported by Master Card, American Expressand Visa as well as by the most important OEMs and software providers, such as Samsung, Microsoft, Facebook, Apple and Google. Therefore, this technology is also supported in many biometric implementations, such as Apple Face-ID or Windows Hello. In order to ensure that the confirmation of authentication can be forwarded from the merchant to the card issuer, the 3-D Secure protocol version 2.2 is issued as a corresponding technical support.
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