Amex to support next generation of digital commerce with updated security protocol

5. December 2017.

American Express this week announced SafeKey 2.0, the next generation of its online authentication tool built specifically to meet the needs of today’s increasingly mobile commerce environment, according to a press release.

Amex said SafeKey 2.0, which leverages the EMV 3-D Secure 2.0 industry standard, is a global product that provides an extra layer of security when an American Express cardholder makes a purchase online at a participating merchant.

American Express has made its SafeKey 2.0 technical specifications available to merchants, issuers and partners at The service will be available for deployment in spring 2018, according to the release.

SafeKey 2.0 includes several enhancements over the existing SafeKey 1.0 platform that can help identify potential fraud in real-time while making it easier for consumers to check out safely across all digital channels. The updated platform supports authentication methods using biometrics, including fingerprints and facial recognition. It can also be deployed for traditional and emerging commerce channels, ranging from e-commerce websites to in-app purchases made on smartphones and other internet-connected devices.

“The number of consumers making purchases through mobile channels is continuing to grow, and the expected growth of Internet-connected devices will further fuel digital commerce activity,” said Jaromir Divilek, executive vice president of global network business for American Express, in the release. “SafeKey 2.0 complements American Express’ fraud-prevention capabilities by addressing the evolving needs of merchants, card issuers and card members.”

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