At the highest level, EQUE provides a patented technology platform which operates a dynamic CVV (dCVV) service through two major components: a mobile application (integrated into existing banking app) controlled by the cardholder and a SaaS web service controlled by EQUE. EQUE’s technology reduces Card Not Present and friendly fraud, ( $48B global fraud losses in 2024), lowers bank and card issuers operational costs, and ensures compliance with regulatory standards, all while being easy to integrate and manage for card issuers and consumers.