Discover ProtectBuy utilizes the 3D Secure 2.0 protocol, which compares a large amount of cardholder data to the facts surrounding an online transaction. The customer's buying habits, spending patterns, location, device used, and more are all checked for consistency when making a purchase. All this authentication takes place in the background, without causing friction at checkout. If the data matches, the purchase goes through as normal.
If the data doesn't match, the customer receives a temporary identification code via email which they'll need to enter to complete the transaction. Only about 5% of transactions are considered high-risk and initiate the additional verification. By entering the temporary code, the customer can confirm their identity as the cardholder.