EMV 3-D Secure (3DS) - Payment Authentication Protocol
Data elements, extensions and risk information (Annex A) – EMV 3-D Secure (3DS) - Payment Authentication Protocol

EMV 3-D Secure (3DS) - Payment Authentication Protocol A.7: A.7 3DS Requestor risk information: cardholder account, merchant risk indicator and requestor authentication

The 3DS Requestor supplies in the AReq the cardholder account information (account age, change and password change dates, shipping address usage, transaction counts, payment account age, suspicious activity), the merchant risk indicator (shipping indicator, delivery timeframe and email, gift card amounts, pre-order and reorder indicators) and the 3DS Requestor authentication information (the method and timestamp of any authentication the requestor performed, such as a login), which the ACS uses in its risk assessment for the frictionless decision.

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