Security
DIBS offers payment services and deals with clients’ financial information, and so it goes without saying that security solutions are vital elements in DIBS processes and systems. DIBS was one of the first suppliers of payment services to undergo VISA and Mastercard PCI accreditation.
PCI (Payment Card Industry) accreditation is an extensive programme which aims to enhance data security among suppliers of payment solutions.
PCI approval is obtained once an accredited IT auditor has inspected and approved the company’s internal and external security on the basis of an extensive checklist. This checklist covers more than 200 points and looks at IT security overall, based on six primary groups of points.
1. General network security.
2. Protection of card information.
3. System security.
4. Access control.
5. Constant network monitoring and testing.
6. Security policy.
In addition to gaining it PCI accreditation, DIBS has focused on secure payment solutions that aim also to protect consumers’ payments; such as the company’s 3D-Secure software and security modules such as Antifraud and Defender, which it has developed itself:
1) Authorisation with 3D-Secure
3D-Secure technology has been developed by VISA and Mastercard, and aims to identify cardholders for online payments. The identification process is much the same as that used at ATMs and is based on a personal code/password being used in conjunction with the purchase. This technology means that the selling companies are guaranteed payment, and cardholders can be certain that their cards are not being used by unauthorised individuals.
2) Antifraud and DIBS Defender
DIBS Defender provides protection against fraud and has been developed by DIBS itself. This service automatically helps to reduce instances of fraud thanks to analysis of purchasing behaviour. The analysis is made up of an unlimited number of rules that are customised precisely to clients’ requirements. This service also takes into account the purchasing behaviour of other clients.
