Strong Customer Authentication (SCA)
Die verbesserte Sicherheit bezieht sich speziell auf eine Reihe von Anforderungen, die als Strong Customer Authentication (SCA) bezeichnet werden. Die starke Kundenauthentifizierung (Strong Customer Authentication, SCA) ist eine neue europäische Vorgabe, um Betrug zu reduzieren und. Strong Customer Authentication (SCA). Am hat die BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) die Duldungsperiode für die.Strong Customer Authentication Background Video
CloudCard+™ - Strong Customer Authentication


Vollkommen Strong Customer Authentication - Einige Hintergründe zu PSD2 (Payment Services Directive)
Eurolotto Meistgezogene Zahlen gehen zwar davon aus, dass die neuen Anforderungen erst im Laufe der Jahre und umgesetzt werdendoch betroffene Unternehmen, die sich nicht auf diese vorbereiten, müssen 5. Spieltag mit einem starken Rückgang ihrer Konversionsraten rechnen.
As a result, most card payments and all bank transfers require SCA. With the exception of contactless payments, in-person card payments are also not impacted by the new regulation.
Currently, the most common way of authenticating an online card payment relies on 3D Secure—an authentication standard supported by the vast majority of European cards.
Applying 3D Secure typically adds an extra step after the checkout where the cardholder is prompted by their bank to provide additional information to complete a payment e.
This new version introduces a better user experience that will help minimise some of the friction that authentication adds into the checkout flow.
Other card-based payment methods such as Apple Pay or Google Pay already support payment flows with a built-in layer of authentication biometric or password.
These can be a great way for businesses to offer a frictionless checkout experience while meeting the new requirements.
Under this new regulation, specific types of low-risk payments may be exempted from Strong Customer Authentication. Payment providers like Stripe are able to request these exemptions when processing the payment.
The SCA requirement came into force on 14 September Article 97 1 of the directive requires that payment service providers use strong customer authentication where a payer: [6].
Article 4 30 defines "strong customer authentication" itself as multi-factor authentication : [6]. E-commerce merchants must update the payment flows in their websites and apps to support authentication.
The public submission [11] process to the ECB identified three solutions to strong customer authentication, two of which are based on reliance authentication , and the other being the new variant of 3-D Secure which incorporates one-time passwords.
PSD2 strong customer authentication has been a legal requirement for electronic payments and credit cards since 14 September The RTS also specifies that a user should be temporarily blocked after a number of consecutive failed authentication events.
This can be achieved either by secure hardware at the mobile device or by having a server-assisted verification. In the latter, the server will block the user.
Since mobile devices do not have secure hardware that can be blocked for app-specific knowledge elements, server-assisted verification will always be required.
Inherence elements on a mobile device: use the biometrics sensors provided by the mobile device. These biometrics sensors fingerprint or faceID are generally backed by secure hardware, which is capable of generating strong cryptographic signatures.
With custom implementations of face, voice or behavioural verification, one should always take into account privacy and accuracy aspects.
Just as for knowledge elements, where one cannot rely on secure hardware on the mobile, these custom inherence elements must be verified with the server.
With regard to privacy, one should only collect the minimal amount of data necessary. Furthermore, these data must be adequately protected on the mobile device, in transit and on the server.
Also note that with server-processed data, GDPR article 9 comes into play, which is very restrictive on processing grounds for biometric data.
With regard to accuracy, one has to ensure that only the legitimate user can authenticate. One also needs to ensure that the authentication is live the system cannot be fooled by pre-recorded footage.
Combining all these requirements with server-aided verification is far from trivial. There is a severe risk that you will either end up with collecting too much data infringing on privacy and creating the risk of abuse of data for fraudulent authentication , or an inaccurate authentication system.
To facilitate ongoing commitment to the managed rollout and for the best customer and industry outcomes, UK Finance set up a central Programme Management Office.
In the managed rollout, we propose a number of measures aimed at implementing SCA at pace, but also in a way that is structured to help coordinate as well as help answer the remaining tricky questions the industry still has.
This page will be regularly updated with information for the industry, merchants and consumers. In light of the impact of Covid on key stakeholders, and to minimise the impact on both consumers and e-merchants, the FCA has updated their Strong Customer Authentication page to give an additional six months to implement strong customer authentication SCA for e-commerce, to a revised date of 14 September This can be found here.






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