Context
EMV® Three-Domain Secure (3DS) is a messaging protocol developed by EMVCo. It allows consumers to authenticate themselves with their card issuer.
Our solution uses 3DS check to:
3D Secure 2 is an extra security layer defined by EMVCo and major credit card schemes for CNP (card-not-present) transactions. As an e-commerce authentication protocol, it enables the secure processing of payment, non-payment, and account confirmation of card transactions.
Using 3D Secure 2, the issuer inspects over 100 data parameters to:
It acts as a protocol to authenticate a cardholder or verify an account during an e-commerce transaction:
This is a working document created for functioning of a standalone plug-in system for 3DS2 Authentication.
Features
Authentication workflows
Server Integration
Workflow
Implementation
A lightweight javascript to be placed on the website. Basic data related to payment is to be passed in the Javascript SDK. The SDK will return Authentication Tokens, Directory Server Transaction IDs & ECI (Electronic Commerce Indicator) to be passed to the Payment Processor to get the Liability Shift on the Transaction.
Information Fields
The information that is sent to the 3DS2 system for authentication is as below
Sample Request and Response
The request looks something like below:
The response generated by 3DS2 Authenticator looks something like below:
In the response, the fields that needs to be sent to the payment processor are:
Presence of transStatus value as Y or A represents the Liability Shift.
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