Enhanced specification further promotes frictionless authentication for e-commerce transactions, providing additional benefits for both merchants and consumers<\/p>\n\n\n\n
14 December 2018 \u2013 EMVCo today announces the publication of the EMV\u00ae 3-D Secure Protocol and Core Functions Specification v2.2.0. The updated specification includes enhancements to promote an optimised consumer experience while supporting new authentication channels when making e-commerce transactions.
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EMV 3DS is a messaging protocol that promotes frictionless consumer authentication and enables consumers to authenticate themselves with their card issuer when making card-not-present (CNP) e-commerce purchases. The additional security layer helps prevent unauthorised CNP transactions and protect the merchant from exposure to CNP fraud.
EMV 3DS specification version 2.2.0 builds upon the current specification version 2.1.0 which is available today on the EMV 3DS Test Platform, enabling 3DS product providers to confirm that their solutions will perform in accordance with the specification. Support of v2.1.0 is required in order to implement v2.2.0. Key updates within version 2.2.0 include:
\u2022 Improved communication between merchants and issuers, enabling Europe\u2019s Second Payment Services Directive (PSD2) exemptions for Strong Consumer Authentication to be applied. While the previous version of the EMV 3DS Specification enables PSD2 compliance, the latest updates provide additional features for merchants and issuers to maximise the benefit of the available exemptions.
\u2022 Two new features to enable authentication for various payment scenarios including mail order and telephone order transactions:
o 3DS Requestor Initiated (3RI) payments \u2013 enabling a merchant to initiate a transaction even if the cardholder is offline.
o Decoupled authentication \u2013 allowing cardholder authentication to occur even if the cardholder is offline.
\u2022 Expansion of existing data elements to promote communication of pre-checkout authentication events and associated data as part of the EMV 3DS transaction from systems such as those supporting the FIDO Alliance standards.
These enhancements are available if all 3DS components involved in the transaction have updated their software to support v2.2.0.
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\u201cEMV 3DS exists to promote secure, consistent consumer authentication for e-commerce transactions across all channels and connected devices, while optimising the cardholder\u2019s experience,\u201d comments Stephanie Ericksen, Chair of the EMVCo Executive Committee. \u201cOur work in this area continues to evolve to ensure we respond to new marketplace requirements. EMVCo continues to encourage the payments community to get involved and provide feedback on the EMV 3DS activity.\u201d
<\/p><\/blockquote>\n\n\n\nEarlier this year EMVCo announced the availability of the full EMV 3DS Test Platform, which enables the functional testing of EMV 3DS solutions. Letters of Approval are currently being issued for those 3DS products that have successfully tested against version 2.1.0. A list of approved products can be found on the EMVCo website. Products submitted for EMV 3DS v2.2.0 compliance testing will also be tested against EMV 3DS v2.1.0 to receive an EMV 3DS v2.2.0 Letter of Approval. Testing support for version 2.2.0 is expected to be available mid-2019. Progress updates will be posted on the EMVCo website.
<\/p>\n\n\n\nTo stay informed of the latest EMVCo developments and receive advanced access to EMV Specifications and related documents, join the EMVCo Associates Programme or become a Subscriber.<\/p>\n","protected":false},"excerpt":{"rendered":"
Enhanced specification further promotes frictionless authentication for e-commerce transactions, providing additional benefits for both merchants and consumers 14 December 2018 \u2013 EMVCo today announces the publication of the EMV\u00ae 3-D Secure Protocol and Core Functions Specification v2.2.0. The updated specification … Continue reading