{"id":1862,"date":"2024-03-11T10:28:55","date_gmt":"2024-03-11T10:28:55","guid":{"rendered":"https:\/\/www.latinofare.com\/muy-miles\/?p=1862"},"modified":"2024-03-11T11:26:20","modified_gmt":"2024-03-11T11:26:20","slug":"test-2","status":"publish","type":"post","link":"https:\/\/www.latinofare.com\/muy-miles\/test-2\/","title":{"rendered":"Latinofare adds 3D Secure 2.0 to safeguard customers from card misuse"},"content":{"rendered":"<p class=\"p1\"><b>Context<\/b><\/p>\n<p class=\"p3\">EMV\u00ae Three-Domain Secure (3DS) is a messaging protocol developed by EMVCo. It allows consumers to authenticate themselves with their card issuer.<\/p>\n<p class=\"p3\">Our solution uses 3DS check to:<\/p>\n<ul class=\"ul1\">\n<li class=\"li3\">Protect merchants from exposure to fraud and prevent unauthorized transactions.<\/li>\n<li class=\"li3\">Shift liability for chargebacks for fraudulent transactions from merchants onto the card issuer.<\/li>\n<li class=\"li3\">Help merchants (in UK) wanting PSD2 compliant Strong Customer Authentication (SCA) management and exception handling.<\/li>\n<\/ul>\n<p class=\"p3\">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.<\/p>\n<p class=\"p3\">Using 3D Secure 2, the issuer inspects over 100 data parameters to:<\/p>\n<ul class=\"ul1\">\n<li class=\"li3\">verify the cardholder&#8217;s authenticity<\/li>\n<li class=\"li3\">assess the risk level of the transaction<\/li>\n<\/ul>\n<p class=\"p3\">It acts as a protocol to authenticate a cardholder or verify an account during an e-commerce transaction:<\/p>\n<ul class=\"ul1\">\n<li class=\"li3\">When the issuer determines the authentication is successful, the merchant can process the transaction without any cardholder interaction.<\/li>\n<li class=\"li3\">If the issuer classifies the transaction as risky it challenges the customer to confirm their identity using Strong Customer Authentication (SCA) mechanisms.<\/li>\n<\/ul>\n<p class=\"p3\">This is a working document created for functioning of a standalone plug-in system for 3DS2 Authentication.<\/p>\n<p class=\"p1\"><b> Features<\/b><\/p>\n<p class=\"p3\"><b>Authentication workflows<\/b><\/p>\n<ul class=\"ul1\">\n<li class=\"li3\">Frictionless<\/li>\n<li class=\"li3\">challenge<\/li>\n<li class=\"li3\">3RI<\/li>\n<\/ul>\n<p class=\"p3\"><b>Server Integration<\/b><\/p>\n<ul class=\"ul1\">\n<li class=\"li3\">Use the Web SDK to handle the 3D Secure check on your behalf<\/li>\n<\/ul>\n<p class=\"p1\"><b>Workflow<\/b><\/p>\n<p class=\"p1\"><b>Implementation<\/b><\/p>\n<p class=\"p3\">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 &amp; ECI (Electronic Commerce Indicator) to be passed to the Payment Processor to get the Liability Shift on the Transaction.<\/p>\n<p class=\"p1\"><b>Information Fields <\/b><\/p>\n<p class=\"p3\">The information that is sent to the 3DS2 system for authentication is as below<\/p>\n<ol class=\"ol1\">\n<li class=\"li3\"><b>purchaseAmount<\/b><br \/>\nAmount to be authenticated For eg. 295.98<\/li>\n<li class=\"li3\"><b>acctNumber<\/b><br \/>\nCredit Card Number. For eg. 4111111111111111<\/li>\n<li class=\"li3\"><b>cardExpiryDate<\/b><br \/>\nCredit Card Expiry Date in YYMM Format. For eg. 2502<\/li>\n<li class=\"li3\"><b>cardholderName<\/b><br \/>\nFull Name of the card holder. For eg. Frida Samuels<\/li>\n<li class=\"li3\"><b>billAddrLine1<\/b><br \/>\nBilling Address Line. For eg. 931 Beverly Dr.<\/li>\n<li class=\"li3\"><b>billAddrCity<\/b><br \/>\nBilling Address City. For eg. Corpus Christi<\/li>\n<li class=\"li3\"><b>billAddrState<\/b><br \/>\nBilling Address State Code. For eg. TX<\/li>\n<li class=\"li3\"><b>billAddrCountry<\/b><br \/>\nBilling Address Country Code. For eg. US for United States<\/li>\n<li class=\"li3\"><b>billAddrPostCode<\/b><br \/>\nBilling Address Postal Code. For eg. 78413<\/li>\n<li class=\"li3\"><b>deliveryEmailAddress<\/b><br \/>\nCustomer Email Address. For eg. fridasamuel@yahoo.com<\/li>\n<li class=\"li3\"><b>purchaseCurrency<\/b><br \/>\nPurchase Currency. For eg. USD for United States Dollar<\/li>\n<li class=\"li3\"><b>browserIP<\/b><br \/>\nCustomer\u2019s IP address. For eg. 166.205.209.43<\/li>\n<li class=\"li3\"><b>homePhone<\/b>\n<ol class=\"ol1\">\n<li class=\"li3\">cc<br \/>\nThis is a calling country code of the user\u2019s home phone. For eg. 1 for US<\/li>\n<li class=\"li3\">subscriber<br \/>\nThis is for sending the customer\u2019s phone number. For eg. 2131231231<\/li>\n<\/ol>\n<\/li>\n<li class=\"li3\"><b>mobilePhone<\/b>\n<ol class=\"ol1\">\n<li class=\"li3\">Cc<br \/>\nThis is a calling country code of the user\u2019s mobile phone. For eg. 1 for US<\/li>\n<li class=\"li3\">subscriber<br \/>\nThis is for sending the customer\u2019s mobile phone number. For eg. 2131231231<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<p class=\"p1\"><b>Sample Request and Response<\/b><\/p>\n<p class=\"p3\">The <b>request<\/b> looks something like below:<\/p>\n<p class=\"p3\">The <b>response<\/b> generated by 3DS2 Authenticator looks something like below:<\/p>\n<p class=\"p3\">In the response, the fields that needs to be sent to the payment processor are:<\/p>\n<ol class=\"ol1\">\n<li class=\"li3\">authenticationValue<\/li>\n<li class=\"li3\">dsTransID<\/li>\n<li class=\"li3\">eci<\/li>\n<\/ol>\n<p class=\"p3\">Presence of <b>transStatus<\/b> value as <b>Y<\/b> or <b>A<\/b> represents the Liability Shift.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Context EMV\u00ae 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: Protect merchants from exposure to fraud and prevent unauthorized transactions. Shift liability for chargebacks for fraudulent transactions from merchants onto the card issuer. Help merchants (in UK) [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1747,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[85],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.0.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Latinofare adds 3D Secure 2.0 to safeguard customers from card misuse - Muy Miles<\/title>\n<meta name=\"description\" content=\"March 11, 2024 Context EMV\u00ae Three-Domain Secure (3DS) is a messaging protocol developed by EMVCo. 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