{"type":"doc","content":[{"type":"heading","attrs":{"level":2},"content":[{"text":"Overview","type":"text"}]},{"type":"paragraph","content":[{"text":"Payer Authentication is the process of verifying a payer’s identity during a payment transaction to ensure that the transaction is valid. ","type":"text"}]},{"type":"paragraph","content":[{"text":"At present, the Payer Authentication concept as defined here is strictly in terms card payment instruments and explicitly references 3D-Secure. Until a new version is released, 3DSv2.x versions are the only accepted version to perform authentication.","type":"text"}]},{"type":"paragraph","content":[{"text":"The need to authenticate a payer can be determined in one of two ways:","type":"text"}]},{"type":"orderedList","attrs":{"order":1},"content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Seller determines that authentication is required prior to payment commitment and sends authentication payload with payment details","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Airline determines that authentication is required while processing payment","type":"text"}]}]}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"1. Seller determines that authentication is required","type":"text"}]},{"type":"paragraph","content":[{"text":"If the Seller determines that authentication is required then: ","type":"text"}]},{"type":"orderedList","attrs":{"order":1},"content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"The Seller triggers the authentication process.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"The Seller sends the authentication result to the airline along with the Payer’s card information at time of payment commitment.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"The Airline uses the authentication result in their authorization request.","type":"text"}]}]}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"2. Airline determines that authentication is required","type":"text"}]},{"type":"paragraph","content":[{"text":"If the Seller has not sent an authentication payload then an airline may decide to request an authentication: ","type":"text"}]},{"type":"orderedList","attrs":{"order":1},"content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"The Seller sends the Payer’s card information to the airline at time of payment commitment.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"The Airline determines that the Payer must authenticate and sends an error in response to the payment commitment.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"The seller triggers the authentication process.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Seller sends this authentication result to the airline along with the Payer’s card information to the airline.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"The Airline uses the authentication results in their authorization request.","type":"text"}]}]}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"Example","type":"text"}]},{"type":"paragraph","content":[{"text":"Example of transfer of details for payment card transaction, including payer authentication result","type":"text","marks":[{"type":"underline"},{"type":"strong"}]}]},{"type":"codeBlock","attrs":{"language":"xml"},"content":[{"text":"...\n\n\t\n\t\tORDITM-01\n\t\tXB952A1B2C3D4\n\t\n\t\n\t\t1000.00\n\t\t\n\t\t\t\n\t\t\t\tVI\n\t\t\t\tMary Smith\n\t\t\t\t4111111111111111\n\t\t\t\t111\n\t\t\t\t0125\n\t\t\t\t\n\t\t\t\t\tSellerMerchantName\n\t\t\t\t\t12345a6c789d225648e\n\t\t\t\t\tCAVV\n\t\t\t\t\tS\n\t\t\t\t\ta28b-4473-a130-3fa5e1c2eef0\n\t\t\t\t\t05\n\t\t\t\t\tEC\n\t\t\t\t\t2.2.0\n\t\t\t\t\tA\n\t\t\t\t\n\t\t\t\n\t\t\n\t\n\n...","type":"text"}]},{"type":"paragraph"}],"version":1}

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