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Authenticating users in card not present (CNP) transactions continues to be a challenge for e-commerce payments. In this session "No Card? No Problem" NCCoE's Deputy Program Manager Brian Abe and Orvis' Head of IT Security, Compliance and Risk Management Tyson Martin will discuss approaches being developed by the NCCoE in conjunction with industry partners to implement multifactor authentication to address these challenges and implement stronger authentication mechanisms to ensure a customer is authorized to use a credit card for e-commerce transactions. The NCCoE example implementation will introduce multifactor authentication that ties to existing web analytics and contextual risk calculation to reduce the risk of false online identification and authentication fraud.