Use of the Challenge Error Reporting Data Element

In a version 2.2 3DS authentication, there is limited visibility into errors that may occur during an App-based challenge between the ACS and the 3DS SDK. When an error message is received from the 3DS SDK or a CReq message is in error, the ACS uses the Challenge Cancelation Indicator (06 = Transaction Error) in the RReq message to report the issue. However, these errors can arise for various reasons, such as missing data elements, incorrect values, or cryptographic errors, which makes them difficult to identify and resolve due to the lack of detailed information.
To address this, two new values were added in the Core Specification v2.3.1.1 to the Challenge Cancelation Indicator to better describe when the CReq or CRes message is in error. Additionally, the ACS now provides a copy of the Error Message exchanged with the 3DS SDK in the RReq message under a new data field called Challenge Error Reporting.
For a v2.2 3DS authentication, these errors can be reported in Additional Data using the Bridging Message Extension.

Table 4.5 below lists the data elements that may be provided in relation to Challenge Error Reporting.

Table 4.5: 3DS Data Elements Related to Challenge Error Reporting

Data Element

Description

Version

Challenge Cancelation Indicator

Indicator informing the ACS and the DS that the authentication has been cancelled.

2.3.1.1

2.2 +Bridging Message Extension

Challenge Error Reporting

 

Copy of the Erro Message sent or received by the ACS in case of error in the CReq/CRes messages.

2.3.1.1

2.2 + Bridging Message Extension