Not all fraud starts with a 𝘴𝘵𝘰𝘭𝘦𝘯 𝘤𝘢𝘳𝘥… Sometimes the cardholder seems legit. The credentials are clean. The transaction looks normal… But yet something still feels off.
Indeed, fraud today doesn’t always look like fraud because it’s the compromised apps, spoofed environments, SIM swaps, and device takeovers that quietly break the chain of trust. The credentials might check out, but the 𝘤𝘰𝘯𝘵𝘦𝘹𝘵 doesn’t.
That’s where device binding comes in.
Device binding is essentially a way to connect a person to their phone by creating a secure link between a user’s identity and their trusted mobile device. When a user adds their card to a wallet or app, a unique token (called a DPAN – device primary account number) is issued. That token is tied specifically to that device and from that point on, every transaction is evaluated not just on the card details but also on whether the request is coming from the same trusted device.
This process captures the unique fingerprint of that phone or tablet including hardware signals, behavioural patterns, and other risk indicators. Over time, the device itself becomes part of the trust equation. And if anything changes like a new device or suspicious setup it can trigger extra checks or block the payment entirely.
Device binding naturally plays a fundamental role in how mobile wallets tokenise payment cards.
◾This year, merchants handling recurring payments via wallets will need to switch from DPANs (Device PANs) to MPANs (Merchant PANs) for Merchant-Initiated Transactions (MITs) because DPANs are tied to individual devices and therefore pose a challenge for recurring payments where the user and device aren’t involved.
◾Under specific scheme token programs, a token can actually be portable, meaning it can be recognised across multiple devices, channels, and even merchants.
◾When device-level data is surfaced in auth or risk logs, it helps spot behavioural patterns tied to risky hardware. And when 3DS is triggered based on device trust, not rigid rules, merchants can see lower fraud, fewer false declines, and better conversion.
#paymentexperts, any perspectives to share on #devicebinding🎤?
#payments #fraudprevention#mcommerce #riskstrategy
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𝑾𝒐𝒏𝒅𝒆𝒓 𝒘𝒉𝒐 𝒘𝒆 𝒂𝒓𝒆? 𝘞𝘦 𝘢𝘳𝘦 𝘢 𝘵𝘦𝘢𝘮 𝘰𝘧 𝘗𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘚𝘵𝘳𝘢𝘵𝘦𝘨𝘪𝘴𝘵𝘴 𝘣𝘭𝘦𝘯𝘥𝘪𝘯𝘨 𝘰𝘶𝘳 𝘪𝘯𝘥𝘶𝘴𝘵𝘳𝘺 𝘦𝘹𝘱𝘦𝘳𝘵𝘪𝘴𝘦 𝘸𝘪𝘵𝘩 𝘢 𝘤𝘳𝘦𝘢𝘵𝘪𝘷𝘦 𝘢𝘱𝘱𝘳𝘰𝘢𝘤𝘩 𝘵𝘰 𝘢𝘴𝘴𝘪𝘴𝘵 𝘰𝘶𝘳 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘊𝘰𝘯𝘴𝘶𝘭𝘵𝘪𝘯𝘨, 𝘚𝘵𝘳𝘢𝘵𝘦𝘨𝘺, 𝘙𝘦𝘴𝘦𝘢𝘳𝘤𝘩 𝘢𝘯𝘥 𝘛𝘩𝘰𝘶𝘨𝘩𝘵 𝘓𝘦𝘢𝘥𝘦𝘳𝘴𝘩𝘪𝘱 𝘱𝘳𝘰𝘫𝘦𝘤𝘵𝘴.
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