Strong Customer Authentication (SCA). Am hat die BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) die Duldungsperiode für die. Eine starke Kundenauthentifizierung ist eine Anforderung der überarbeiteten EU-Richtlinie über Zahlungsdienste für Zahlungsdienstleister im Europäischen Wirtschaftsraum. Die verbesserte Sicherheit bezieht sich speziell auf eine Reihe von Anforderungen, die als Strong Customer Authentication (SCA) bezeichnet werden.
Strong Customer Authentication (SCA): EU-Standard für sicheren ZahlungsverkehrLaut Sicherheitsmaßnahmen der PSD2, der sogenannten Strong Customer Authentication (SCA), müssen Kunden ihre Online-Käufe mit der Eingabe eines. Eine starke Kundenauthentifizierung ist eine Anforderung der überarbeiteten EU-Richtlinie über Zahlungsdienste für Zahlungsdienstleister im Europäischen Wirtschaftsraum. Starke Kundenauthentifizierung (Strong Customer Authentication, SCA). Für einen besseren Betrugsschutz werden mit der PSD2 zusätzliche.
Strong Customer Authentication Navigation menu VideoStrong Customer Authentication (SCA) with Jumpstart Pro Eine starke Kundenauthentifizierung ist eine Anforderung der überarbeiteten EU-Richtlinie über Zahlungsdienste für Zahlungsdienstleister im Europäischen Wirtschaftsraum. 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. Lernen Sie, was starke Kundenauthentifizierung (Strong Customer Authentication, SCA) im Rahmen von PSD2 bedeutet und wie Sie Ihr Unternehmen dafür.
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.
The FCA statement clearly expects momentum to be maintained but recognises that additional time may be needed due to the impacts of Covid The Directive will confer on the EBA the development of six technical standards and five sets of guidelines.
The regulatory technical standards RTS on strong customer authentication and secure communication, on which the EBA has issued the DP today, is key to achieving the objective of the PSD2 of enhancing consumer protection, promoting innovation and improving the security of payment services across the European Union.
The RTS, which the EBA will be developing in close cooperation with the European Central Bank ECB , will specify the requirements of the strong customer authentication; exemptions from the application of these requirements; requirements to protect the user's security credentials; requirements for common and secure open standards of communication; and security measures between the various types of providers in the payments sector.
In so doing, the EBA and ECB will have to make difficult trade-offs between competing demands and would like to hear views from market participants on where the ideal balance should lie.
The EBA and ECB have also identified various issues and suggest some clarifications that would similarly benefit from stakeholder feedback.
Responses to this Discussion Paper can be sent to the EBA until 8 February , by clicking on the "send your comments" button on the website.
The EBA will assess the responses received, and use them as input for the development of the draft RTS, which it will publish in summer , for a consultation period of three months.
It would then enter into force in January , and would apply from January The Opinion sets the deadline to 31 December and prescribes the expected actions to be taken during the migration period.
Today's Opinion also recommends national competent authorities NCAs to take a consistent approach toward the SCA migration period across the EU and to require their respective payment service providers PSPs to carry out the actions set out in the Opinion.
Rather, it means that NCAs will focus on monitoring migration plans instead of pursuing immediate enforcement actions against PSPs that are not compliant with the SCA requirements.
Furthermore, the EBA notes that consumers will be protected against fraud as required by the law and NCAs should, therefore, communicate to their PSPs that the liability regime under Article 74 of the PSD2 applies and that issuing and acquiring PSPs are still liable for unauthorised payment transactions.
At the time, the EBA acknowledged the complexity of the payments markets across the EU and the challenges that arise from the changes that are required, in particular for some actors in the payment chain that are not PSPs who may not be ready by 14 September When completing authentication for a payment, customers may have the option to allowlist a business they trust to avoid having to authenticate future purchases.
Card details collected over the phone fall outside the scope of SCA and do not require authentication. Banks can return new decline codes for payments that failed due to missing authentication.
These payments then have to be resubmitted to the customer with a request for Strong Customer Authentication. If your business is impacted by SCA, we recommend preparing for a fallback in case an exemption is rejected and your customer needs to authenticate.
Read our guide on designing payment flows for SCA for more information. The requirement ensures that electronic payments are performed with multi-factor authentication , to increase the security of electronic payments.
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: .
Article 4 30 defines "strong customer authentication" itself as multi-factor authentication : .
GPayments, a well-known 3D Secure vendor for over 15 years, is introducing a new version of ActiveAccess, its innovative authentication platform, which supports 3D Secure, 3D Secure 2, and SCA, using its multi-factor authentication module.
These must be independent from one another, in that the breach of one does not compromise the reliability of the others, and is designed in such a way as to protect the confidentiality of the authentication data.
With the general shift towards online services, there is a greater need to authenticate the identity of users during transactions and banking activities, in order to:.
Dynamic linking, a new requirement of PSD2, involves dynamically linking authentication tokens to the specific payment amount and the specific payee of the transaction.
The most common example is a cryptographic key, where that key is used in an algorithm to prove possession of the key.
There are many approaches for storing and using cryptographic keys on a phone. These approaches range from simple file storage, using the keystore of the operating system, to using secure hardware.
Another question that needs to be addressed is which kind of cryptographic algorithm to use. As we will show in part 3 of this series, the use of public-key cryptography offers many benefits over legacy choices such as a One Time Password OTP.
Knowledge elements need be entered directly not cached by the app or phone by the user. Single use credentials printed on token cards are not considered a knowledge element, even though these are also entered by the user.
A smartphone has quite limited input capabilities, ruling out complex passwords as these are too error prone to enter.
PIN codes or equivalent low-entropy inputs appear to be the only sensible knowledge elements on smartphones. The RTS also specifies that a user should be temporarily blocked after a number of consecutive failed authentication events.