Technical Features

Data Element	Description	Version
SDK Encrypted Data	Device information gathered by the 3DS SDK from a Consumer Device. This is JSON name/value pairs that as a whole is Base64url-encoded. This will be populated by the DS as unencrypted data to the ACS obtained from SDK Encrypted Data.	2.3.1 2.2
SDK Encrypted Data	JWE Object (represented as a string) as defined in Section 6.2.2.1 containing data encrypted by the 3DS SDK for the DS to decrypt.	2.3.1 2.2

Data Element	Description	Version
Browser Accept Headers	Exact content of the HTTP accept headers as sent to the 3DS Requestor from the Cardholder Browser.	2.3.1 2.2
Browser IP Address	IP address of the Browser as returned by the HTTP headers to the 3DS Requestor.	2.3.1 2.2
Browser Java Enabled	Boolean that represents the ability of the Cardholder Browser to execute Java.	2.3.1 2.2
Browser JavaScript Enabled	Boolean that represents the ability of the Cardholder Browser to execute JavaScript.	2.3.1 2.2
Browser Language	Value representing the Browser language as defined in IETF BCP47.	2.3.1 2.2
Browser Screen Color Depth	Value representing the bit depth of the colour palette for displaying images, in bits per pixel.	2.3.1 2.2
Browser Screen Height	Total height of the Cardholder’s screen in pixels.	2.3.1 2.2
Browser Screen Width	Total width of the Cardholder’s screen in pixels.	2.3.1 2.2
Browser Time Zone	Time zone offset in minutes between UTC and the Cardholder Browser local time.	2.3.1 2.2
Browser User-Agent	Exact content of the HTTP user-agent header.	2.3.1 2.2
3DS Method Completion Indicator	Indicates whether the 3DS Method successfully completed.	2.3.1 2.2
3DS Method ID	Contains the 3DS Server Transaction ID used during the previous execution of the 3DS Method.	2.3.1 2.2
Card Range Data	Card range data from the DS indicating the most recent Protocol Versions supported by the ACS, and, optionally, the DS that hosts that range, and, if configured, the ACS URL for the 3DS Method.	2.3.1 2.2
3DS Method Notification URL	The URL that will receive the notification of 3DS Method completion from the ACS. This is sent in the initial request to the ACS from the 3DS Requestor executing the 3DS Method.	2.3.1 2.2
ACS Protocol Versions	Array of objects containing the list of Protocol Versions supported by the ACS for the card range, with their associated ACS Information Indicator, the 3DS Method URL and the list of Supported Message Extension. Version ACS Information Indicator 3DS Method URL Supported Message Extension	2.3.1 2.2
3DS Method URL	The ACS URL that will be used by the 3DS Method for a particular Protocol Version. The 3DS Method URL data element may be omitted if not supported by the ACS for this specific card range.	2.3.1 2.2

Data Element	Description	Version
Address Match Indicator	Indicates whether the Cardholder Shipping Address and Cardholder Billing Address are the same.	2.3.1 2.2
Cardholder Account Identifier	Additional information about the account optionally provided by the 3DS Requestor.	2.3.1 2.2
Cardholder Billing Address City	The city of the Cardholder billing address associated with the card used for this purchase.	2.3.1 2.2
Cardholder Billing Address Country	The country of the Cardholder billing address associated with the card used for this purchase.	2.3.1 2.2
Cardholder Billing Address Line 1	First line of the street address or equivalent local portion of the Cardholder billing address associated with the card used for this purchase.	2.3.1 2.2
Cardholder Billing Address Line 2	Second line of the street address or equivalent local portion of the Cardholder billing address associated with the card used for this purchase.	2.3.1 2.2
Cardholder Billing Address Line 3	Third line of the street address or equivalent local portion of the Cardholder billing address associated with the card used for this purchase.	2.3.1 2.2
Cardholder Billing Address Postal Code	ZIP or other postal code of the Cardholder billing address associated with the card used for this purchase.	2.3.1 2.2
Cardholder Billing Address State	The state or province of the Cardholder billing address associated with the card used for this purchase.	2.3.1 2.2
Cardholder Email Address	The email address associated with the account that is either entered by the Cardholder or is on file with the 3DS Requestor.	2.3.1 2.2
Cardholder Home Phone Number	The home phone number provided by the Cardholder.	2.3.1 2.2
Cardholder Mobile Phone Number	The mobile phone number provided by the Cardholder.	2.3.1 2.2
Cardholder Name	Name of the Cardholder.	2.3.1 2.2
Cardholder Shipping Address City	City portion of the shipping address requested by the Cardholder.	2.3.1 2.2
Cardholder Shipping Address Country	Country of the shipping address requested by the Cardholder.	2.3.1 2.2
Cardholder Shipping Address Line 1	First line of the street address or equivalent local portion of the shipping address requested by the Cardholder.	2.3.1 2.2
Cardholder Shipping Address Line 2	The second line of the street address or equivalent local portion of the shipping address requested by the Cardholder.	2.3.1 2.2
Cardholder Shipping Address Line 3	The third line of the street address or equivalent local portion of the shipping address requested by the Cardholder.	2.3.1 2.2
Cardholder Shipping Address Postal Code	The ZIP or other postal code of the shipping address requested by the Cardholder.	2.3.1 2.2
Cardholder Shipping Address State	The state or province of the shipping address associated with the card being used for this purchase.	2.3.1 2.2
Cardholder Work Phone Number	The work phone number provided by the Cardholder.	2.3.1 2.2
Tax ID	Cardholder’s tax identification.	2.3.1 2.2

Data Element	Description	Version
Cardholder Account Information	Additional information about the Cardholder’s account provided by the 3DS Requestor.	2.3.1 2.2
3DS Requestor Authentication Information	Information about how the 3DS Requestor authenticated the Cardholder before or during the transaction.	2.3.1 2.2
3DS Requestor Prior Transaction Authentication	Information about how the 3DS Requestor authenticated the Cardholder as part of a previous 3DS transaction.	2.3.1 2.2

Data Element	Description	Version
3DS Requestor Challenge Indicator	Indicates whether a challenge is requested for this transaction.	2.3.1 2.2
3RI Indicator	Indicates the type of 3RI request. This data element provides additional information to the ACS to determine the best approach for handling a 3RI request. A value of 10 indicates a Trust List Status check.	2.3.1 2.2
ACS Information Indicator	Provides additional information for a particular Protocol Version to the 3DS Server. The element lists all applicable values for the card range.	2.3.1 2.2
Card Range Data	Card range data from the DS indicating the most recent Protocol Versions supported by the ACS, and, optionally, the DS that hosts that range, and, if configured, the ACS URL for the 3DS Method. Additionally, it identifies the 3DS features supported by the ACS in the ACS Information Indicator, such as Trust List or Decoupled Authentication. Trust List indicators are defined in the ACS Information Indicator: 04 = Trust List Supported for v2.2 and v2.3 09 = Trust List Exemption Supported for v2.3	2.3.1 2.2
Toggle Position Indicator	Indicates if the Trust List and/or Device Binding prompt should be presented below or above the action buttons.	2.3.1
Transaction Challenge Exemption	Exemption applied by the ACS to authenticate the transaction without requesting a challenge.	2.3.1 2.2 + Bridging Message Extension
Trust List Data Entry	Indicator provided by the 3DS SDK to the ACS to confirm whether the Cardholder gives consent to the Trust List.	2.3.1 2.2
Trust List Information Text	Text provided by the ACS to the Cardholder during a Trust List transaction.	2.3.1 2.2
Trust List Status	Enables the communication of Trust List Status between the ACS, the DS and the 3DS Requestor.	2.3.1 2.2
Trust List Status Source	This data element will be populated by the system setting Trust List Status.	2.3.1 2.2

Data Element	Description	Version
3DS Requestor Challenge Indicator	Indicates whether a challenge is requested for this transaction.	2.3.1
3RI Indicator	Indicates the type of 3RI request. This data element provides additional information to the ACS to determine the best approach for handling a 3RI request. A value of 10 indicates a Trust List Status check.	2.3.1
ACS Information Indicator	Provides additional information for a particular Protocol Version to the 3DS Server. The element lists all applicable values for the card range.	2.3.1
Card Range Data	Card range data from the DS indicating the most recent Protocol Versions supported by the ACS, and, optionally, the DS that hosts that range, and, if configured, the ACS URL for the 3DS Method. Additionally, it identifies the 3DS features supported by the ACS, such as Trust List or Decoupled Authentication. The Device Binding indicator is defined in the ACS Information Indicator: 05 = Device Binding Supported	2.3.1
Device Binding Data Entry	Indicator provided by the 3DS SDK to the ACS to confirm whether the Cardholder gives consent to bind the device.	2.3.1
Device Binding Information Text	Text provided by the ACS to the Cardholder during the Device Binding process.	2.3.1
Device Binding Status	Enables the communication of Device Binding Status between the ACS, the DS and the 3DS Requestor. For bound devices (value = 11–14), Device Binding Status also conveys the type of binding that was performed.	2.3.1
Device Binding Status Source	This data element will be populated by the system setting Device Binding Status.	2.3.1
Toggle Position Indicator	Indicates if the Trust List and/or Device Binding prompt should be presented below or above the action buttons.	2.3.1

Data Element	Description	Version
3DS Requestor Authentication Data	Data that documents and supports a specific authentication process. In the current version of the specification, this data element is not defined in detail. However, the intention is that, for each 3DS Requestor Authentication Method, this field carry data that the ACS can use to verify the authentication process. For example, if the 3DS Requestor Authentication Method is: 03, then this element can carry information about the provider of the federated ID and related information. 06, then this element can carry the FIDO Assertion and/or Attestation Data. 07, then this element can carry FIDO Assertion and/or Attestation. Data with the FIDO Assurance Data signed by a trusted third party. 08, then this element can carry the SRC Assurance Data. For 3DS Requestor Authentication Method = 06 or 07, refer to the EMV® 3-D Secure White Paper – Use of FIDO® Data in 3-D Secure Messages for the 3DS Requestor Authentication Data content and format.	2.3.1 2.2
3DS Requestor Authentication Method	Length: 2 characters JSON Data Type: String Values accepted: 01 = No 3DS Requestor authentication occurred (i.e., Cardholder “logged in” as guest) 02 = Login to the Cardholder account at the 3DS Requestor system using 3DS Requestor’s own credentials 03 = Login to the Cardholder account at the 3DS Requestor system using federated ID 04 = Login to the Cardholder account at the 3DS Requestor system using Issuer credentials 05 = Login to the Cardholder account at the 3DS Requestor system using third-party authentication 06 = Login to the Cardholder account at the 3DS Requestor system using FIDO Authenticator 07 = Login to the Cardholder account at the 3DS Requestor system using FIDO Authenticator (FIDO Assertion or Attestation data signed) 08 = SRC Assurance Data 09 = SPC Authentication 10 = Electronic ID Authentication Data 11–79 = Reserved for EMVCo future use (values invalid until defined by EMVCo) 80–99 = Reserved for DS use	2.3.1 2.2
3DS Requestor Authentication Timestamp	Date and time of the Cardholder authentication converted into UTC.	2.3.1 2.2
DS Authentication Information Verification Indicator	Supplied by the DS, the value that represents the signature verification performed by the DS on the mechanism (e.g., FIDO) used by the Cardholder to authenticate to the 3DS Requestor. The DS populates this data element prior to passing to the ACS. Values accepted: 01 = Verified 02 = Failed 03 = Not performed	2.3.1 2.2

Data Element	Description	Version
3DS Requestor Challenge Indicator	Indicates whether a challenge is requested for this transaction. Values related to the exemptions 05 = No challenge requested (transactional risk analysis is already performed) 08 = No challenge requested (use Trust List exemption if no challenge required) 10 = No challenge requested (use low value exemption) 11 = No challenge requested (Secure corporate payment exemption)	2.3.1 2.2
Transaction Challenge Exemption	Exemption applied by the ACS to authenticate the transaction without requesting a challenge. Values related to the exemptions 05 = Transaction Risk Analysis exemption 08 = Trust List exemption 10 = Low Value exemption 11 = Secure Corporate Payments exemption 79 = No exemption applied	2.3.1 2.2 + Bridging Message Extension
ACS Information Indicator	Provides additional information for a particular Protocol Version to the 3DS Server. The element lists all applicable values for the card range. Values related to exemption 08 = Transaction Risk Analysis Exemption Supported 09 = Trust List Exemption Supported 10 = Low Value Exemption Supported 11 = Secure Corporate Payments Exemption Supported	2.3.1 2.2

Merchant/3DS Server	Issuer / ACS
Low Value Exemption threshold = 50 € (example) Transaction data elements Purchase Amount = 999 Purchase Currency = 978 (€) Purchase Currency Exponent = 2 Purchase Date & Time = 20241118092600 3DS Requestor Challenge Indicator = 10	Transaction data elements Transaction Status = Y Transaction Challenge Exemption = 10

Merchant/Acquirer	Issuer
The Merchant assesses that the transaction risk is low. Transaction data elements Purchase Amount = 9999 Purchase Currency = 978 (€) Purchase Currency Exponent = 2 Purchase Date & Time = 20241118104200 3DS Requestor Challenge Indicator = 05	Transaction data elements Transaction Status = Y Transaction Challenge Exemption = 05

Merchant/Acquirer	Issuer
The Merchant knows that it is on the Cardholder’s Trust List. Transaction data elements Purchase Amount = 9999 Purchase Currency = 978 (€) Purchase Currency Exponent = 2 Purchase Date & Time = 20241118111000 3DS Requestor Challenge Indicator = 08	Transaction data elements Transaction Status = Y Transaction Challenge Exemption = 08

Merchant/Acquirer	Issuer
The Merchant knows that the card used for the transaction is a corporate card. Transaction data elements Purchase Amount = 9999 Purchase Currency = 978 (€) Purchase Currency Exponent = 2 Purchase Date & Time = 20241118111000 3DS Requestor Challenge Indicator = 11	Transaction data elements Transaction Status = Y Transaction Challenge Exemption = 11

EMVCo TERMS OF USE

Last Updated: April 17, 2020

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Device Information for the App-Based Flow

Benefits by Actor

Merchant

Issuer

Cardholder

Technical Overview

Versioning

Security

Permissions

Supporting Documentation

Device Information for the Browser-Based Flow

Benefits by Actor

MERCHANT

Issuer

Cardholder

Technical Features

Cardholder Information

Benefits by Actor

MERCHANT

Issuer

Cardholder

Technical Features

Trust List Managed by the ACS / Issuer – Overview

Benefits by actor

Merchant

Issuer

Cardholder

Trust List Flow and Data

Preconditions

Sequence Diagram

3DS Data Elements Related to the Trust List

App Flow – User Interface Related to the Trust List

User Experience – Variant A – Trust List on Challenge Screen

User Experience – Variant B – Trust List on Separate Screen

Alternative Use Case – Trust List Managed by the DS

Preconditions

Sequence Diagram

Device Binding managed by the ACS / Issuer – Overview

Benefits by actor

Merchant

Issuer

Cardholder

Use Case Overview

Preconditions

Sequence Diagram

3DS Data Elements Related to Device Binding

User Interface Related to Device Binding

User Experience – Variant A – Device Binding

User Experience – Variant B – Device Binding

Alternative Use Case – Device Binding Managed by the 3DS Server/3DS Requestor

Preconditions

Sequence Diagram

Alternative Use Case – Device Binding Managed by the DS

Preconditions

Sequence Diagram

Delegated Authentication

Benefits by Actor

Merchant:

Issuer:

Cardholder:

Technical Features

Preconditions

Overview

Exemptions

Benefits by Actor

Merchant:

Issuer:

Cardholder:

Technical Features

Preconditions

Overview

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