EMVCo 3DS2.0 Technical Research
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.
【CateGory Index】： TP393.08