Hi Sathish, Hope you are doing well. I have read about different modules in ACS servers like scoring and risk analysis modules like we have in fraud systems like Falcon etc and the authentication is marked as attempted or authenticated based on that.. Also there are different types of an ecom transaction apart from 3D secure (secure, non-secure etc) like technological advances in physical card txns (mag, emv, ctls).. And different versions of 3D secure and migration from one version to another (pros and cons).. As a big fan of you I'm requesting if you shed some light on the above topics it will be really great and give in depth knowledge to myself and other audiences..
Hello! Thanks for making the video. It is very informative. I have a question, could you please suggest if the above 3DS OTP authentication in the video is different from the EMV-3DS OTP authentication? Thanks in advance
Hello Adi, EMV 3DS is nothing but 3DS 2.x. The earlier version is 1.0. OTP (one time password/passcode) via mobile or email is only a method of validation in 2.x including OOB and others. Whereas in 1.0, it was the most prevalent method. When I made the video in question I only referred to 1.0, but there is a diff video which talks about 3DS 2.0 ruclips.net/video/ViL4xAU2FQQ/видео.html
As you said , 7:18 payment gateway directly sends to schemes , is there any role of acquirer in 3D secure, as per your videos, this is merchant initiated txn so acquirer should be there
I didn’t understand the question, Ahmed. Could you elaborate? POS sends the message to Acquiring Infra. Based on the terminal and merchant associated with it. The Acquirer settles the net amount (transaction amounts less fees and charges) to Merchant. Maybe these videos might help: Transaction Acceptance Ecosystem (Acquiring Ecosystem) - Players & Differences ruclips.net/video/1AmFTfaWXKI/видео.html Acquiring - Merchant Back-office System - An Introduction ruclips.net/video/qjVK2F5JL9U/видео.html
Hi Satish, Nice Vedio. 👌 who will generate the OTP and send it to customer mobile and who will validate the value entered,will there be any third party involved here?
Thanks Vinod. The Issuer ACS generates the OTP and sends to customer's mobile. (Issuer ACS only will have the mobile number).The customer will enter the OTP which will get verified by the ACS. The OTP page is displayed by the ACS. Hope it clarifies.
That’s right. The past process used to be where the Issuer used to send the demographics of the customer to ACS, but in the recent implementations the issuer receives the OTP from ACS and Issuer ensures the OTP is sent to the customer
amazing , nice clean and to the point videos. great. Can you make some videos on works done by a strategy analyst , rules generation, logic and flaws
You are amazing.
Hi Sathish, Hope you are doing well. I have read about different modules in ACS servers like scoring and risk analysis modules like we have in fraud systems like Falcon etc and the authentication is marked as attempted or authenticated based on that.. Also there are different types of an ecom transaction apart from 3D secure (secure, non-secure etc) like technological advances in physical card txns (mag, emv, ctls).. And different versions of 3D secure and migration from one version to another (pros and cons).. As a big fan of you I'm requesting if you shed some light on the above topics it will be really great and give in depth knowledge to myself and other audiences..
thanks for the nice words Arun, will try to :)
Hello! Thanks for making the video. It is very informative. I have a question, could you please suggest if the above 3DS OTP authentication in the video is different from the EMV-3DS OTP authentication? Thanks in advance
Hello Adi, EMV 3DS is nothing but 3DS 2.x. The earlier version is 1.0. OTP (one time password/passcode) via mobile or email is only a method of validation in 2.x including OOB and others. Whereas in 1.0, it was the most prevalent method.
When I made the video in question I only referred to 1.0, but there is a diff video which talks about 3DS 2.0
ruclips.net/video/ViL4xAU2FQQ/видео.html
@@LearnPayments Thank you!
As you said , 7:18 payment gateway directly sends to schemes , is there any role of acquirer in 3D secure, as per your videos, this is merchant initiated txn so acquirer should be there
The PG acts on behalf of the Merchant, so these PGs can be considered as acquirers for the transaction.
Useful information...sir
Very useful information Sir. Thanks a ton!
Thanks. I had corrected my understanding on 3DS auth
Hi Satish,
Great video, just a few doubt similar to POS does ecom carry a PIN block during authentication like AWK -IWK.
Hi Vinod, no there’s nothing like AWK or IWK.
how the merchant collect the money as THE POS he was sending a clearing batch through pos to te bank acquiring in this case how it work ?
I didn’t understand the question, Ahmed. Could you elaborate?
POS sends the message to Acquiring Infra. Based on the terminal and merchant associated with it. The Acquirer settles the net amount (transaction amounts less fees and charges) to Merchant.
Maybe these videos might help:
Transaction Acceptance Ecosystem (Acquiring Ecosystem) - Players & Differences
ruclips.net/video/1AmFTfaWXKI/видео.html
Acquiring - Merchant Back-office System - An Introduction
ruclips.net/video/qjVK2F5JL9U/видео.html
Helpful.. eye opener
What about the 3DS server of the Acquirer ? I dont see it in this video
The PG component here acts as a 3DS Server from an Acquiring perspective.
Hi Satish,
Nice Vedio. 👌
who will generate the OTP and send it to customer mobile and who will validate the value entered,will there be any third party involved here?
Thanks Vinod. The Issuer ACS generates the OTP and sends to customer's mobile. (Issuer ACS only will have the mobile number).The customer will enter the OTP which will get verified by the ACS. The OTP page is displayed by the ACS.
Hope it clarifies.
If the ACS doesn't have customer mobile number it forwards the request to issuer. N issuer then sends the OTP to respective card holder.
That’s right. The past process used to be where the Issuer used to send the demographics of the customer to ACS, but in the recent implementations the issuer receives the OTP from ACS and Issuer ensures the OTP is sent to the customer