AOS-VCAS Project

ALTO Online Secure (AOS) is a domestic-based platform owned by ALTO Network to authenticate transactions to issuers by using an API (Application Programming Interface) so that transactions can be validated and executed through OTP or OOB (Out-of-Band). Visa Consumer Authentication Service (VCAS) is a data-based service from Visa designed to support 3DS authentication for issuers. This solution has risk-scoring capabilities that use AI & Machine Learning technology on each transaction in order to make e-commerce transactions safer. The combination of the ALTO Online Secure (AOS) and Visa Consumer Authentication Service (VCAS) creates an excellent ACS (Access Control Server) service, where data is gathered from all Visa transactions and transaction authentication is carried out domestically.

In short, AOS-VCAS balances security and convenience, helping prevent fraud while keeping online transactions seamless.