Time-Bound Deferred Authorization in 3DS 2.0: A Novel Approach to Balancing Security and User Experience in E-Commerce Payment Authentication

The growth of online shopping has emphasized the importance of convenient payment systems that safeguard both customers and businesses from activities. While traditional verification techniques serve a purpose, they must often balance security and user satisfaction. This article presents a remedy: Time Limited Deferred Authorization integrated into the 3DS 2. 0 Verification process within the “Submit Order” stage of transactions. This approach boosts security through validation guaranteeing that only approved cardholders can finalize purchases. This method enhances security by providing an additional layer of real-time authentication, ensuring that only authorized cardholders can complete transactions. Compared to existing solutions like CVV, AVS, and tokenization, this approach uniquely combines multifactor authentication with a user-friendly process, reducing friction at checkout. By addressing vulnerabilities associated with traditional methods, this implementation minimizes the risk of chargebacks due to fraud and increases compliance with global payment security regulations. The deferred authorization mechanism adds flexibility to the 3DS process, preserving a seamless user experience while boosting consumer trust. The technical novelty of this solution lies in its ability to dynamically balance robust security measures with optimized transaction flow, making it a crucial advancement in secure, user-friendly e-commerce payment systems.