摘要
从EMVCo 3DS2.0的背景及发展出发,分析其功能特点、体系架构、交易流程等。作为在线交易身份验证的报文传输协议,3DS2.0包含发卡域、收单域、交互域,包括平滑型和挑战型两种交易流程,其目的在于提升在线交易中持卡人身份认证的可靠性和用户体验。相较3DS1.0,3DS2.0在持卡人体验、支持设备种类、数据与风险分析等方面均有改进。
Based on the background and development of 3DS2.0, this paper analyzes the architecture, transaction flow, and function characteristics of 3DS2.0. As a message transfer protocol for online transaction authentication, 3DS2.0 has three domains - the issuer domain, the acquirer domain, the interaction domain, and two types of transaction processes - smooth and challenge type, which aims to enhance the authentication reliability of cardholders and the user experience in online transactions. Compared with 3DS1.0, 3DS2.0 improves the cardholder experience, supporting equipment types, data and risk analysis and so on
出处
《信息技术与标准化》
2017年第8期31-33,共3页
Information Technology & Standardization
