{"id":13816,"date":"2024-10-10T18:27:19","date_gmt":"2024-10-10T10:27:19","guid":{"rendered":"https:\/\/www.oceanpayment.com\/cn\/?p=13816"},"modified":"2024-10-10T18:27:21","modified_gmt":"2024-10-10T10:27:21","slug":"%e6%94%af%e4%bb%98%e5%ae%89%e5%85%a8%e9%aa%8c%e8%af%81%e5%8d%87%e7%ba%a7%ef%bc%9a%e4%bb%8e3ds2-1%e5%88%b03ds2-2","status":"publish","type":"post","link":"https:\/\/www.oceanpayment.com\/cn\/views\/13816\/","title":{"rendered":"\u652f\u4ed8\u5b89\u5168\u9a8c\u8bc1\u5347\u7ea7\uff1a\u4ece3DS2.1\u52303DS2.2"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote\">\n<p>2021 \u5e74\uff0c\u5ba2\u6237\u8eab\u4efd\u9a8c\u8bc1SCA(Strong Customer Authentication)<sup>1<\/sup>\u65b0\u89c4\u5728\u6b27\u6d32\u751f\u6548\u3002\u5176\u4e2d\u8fdb\u884cSCA\u6700\u5e38\u7528\u7684\u65b9\u6cd5\u4fbf\u662f\u901a\u8fc73DS\uff083D-Secure\uff09\u8fdb\u884c\u9a8c\u8bc1\u652f\u4ed8\u3002<\/p>\n<\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<p>\u8fd1\u65e5\uff0c\u56fd\u9645\u5361\u7ec4\u7ec7Visa\u5b98\u65b9\u58f0\u660e\uff0c\u4e8e2024\u5e749\u670825\u65e5\u5df2\u505c\u6b62\u5bf9EMV 3DS 2.1\u7248\u672c\u7684\u652f\u6301\uff0c\u5e76\u63a8\u52a8EMV 3DS 2.2\u7248\u672c\u7684\u4f7f\u7528\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2024\/10\/image.png\" alt=\"\" class=\"wp-image-13818\" width=\"500\" srcset=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2024\/10\/image.png 738w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2024\/10\/image-300x255.png 300w\" sizes=\"(max-width: 738px) 100vw, 738px\" \/><\/figure><\/div>\n\n\n<p class=\"has-text-align-center\">\u56fe\u6e90\uff1aVisa<\/p>\n\n\n\n<p><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><strong>EMV 3DS<\/strong><strong>\uff1a<\/strong><strong><\/strong><\/p>\n<cite>EMV 3DS\u662f\u7531\u5168\u7403\u5b89\u5168\u652f\u4ed8\u4ea4\u6613\u6280\u672f\u7ec4\u7ec7\uff08EMVCo\uff09\u7edf\u4e00\u53d1\u5e03\u7684\u9488\u5bf9CNP\u7535\u5b50\u5546\u52a1\u4ea4\u6613\u7684\u6301\u5361\u4eba\u8eab\u4efd\u9a8c\u8bc1\u534f\u8bae\u6807\u51c6\uff0c\u4f7f\u53d1\u5361\u884c\u53ef\u4ee5\u5728\u6388\u6743\u4ea4\u6613\u524d\u8fdb\u884c\u4ea4\u6613\u98ce\u9669\u5224\u65ad\uff0c\u5e76\u5728\u4ea4\u6613\u98ce\u9669\u8f83\u9ad8\u65f6\u4e0e\u6301\u5361\u4eba\u76f4\u63a5\u6c9f\u901a\u5b8c\u6210\u8eab\u4efd\u9a8c\u8bc1<sup>2<\/sup>\u3002\u8be5\u5b89\u5168\u534f\u8bae\u7531Visa\u3001MasterCard\u3001American&nbsp;Express\u3001Discover\u3001JCB\u3001UnionPay\u5171\u540c\u63a8\u52a8\uff0c\u65e8\u5728\u4fdd\u62a4\u5728\u7ebf\uff08\u65e0\u5361\uff09\u4fe1\u7528\u5361\u548c\u501f\u8bb0\u5361\u4ea4\u6613\u3002<\/cite><\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<p>\u968f\u7740\u4fe1\u606f\u6280\u672f\u7684\u53d1\u5c55\u53ca\u6d88\u8d39\u4e60\u60ef\u7684\u6f14\u53d8\uff0c\u4eba\u4eec\u4e0d\u65ad\u8d8b\u5411\u4e8e\u65b9\u4fbf\u5feb\u6377\u7684\u7ebf\u4e0a\u8d2d\u7269\u6a21\u5f0f\uff0c\u4fe1\u7528\u5361\u4ea4\u6613\u7684\u5b89\u5168\u8ba4\u8bc1\u65b9\u5f0f\u4e5f\u56e0\u5e94\u73af\u5883\u53ca\u6280\u672f\u3001\u8bbe\u5907\u6807\u51c6\u7684\u6539\u53d8\u8fdb\u884c\u4e86\u529f\u80fd\u63d0\u5347\u3002\u4e3a\u4e0d\u65ad\u987a\u5e94\u65f6\u4ee3\u7684\u53d1\u5c55\u6f6e\u6d41\uff0cEMV 3DS 2.2\u5728EMV 3DS 2.1\u7684\u529f\u80fd\u57fa\u7840\u4e0a\u8fdb\u4e00\u6b65\u4f18\u5316\u30023DS 2.2\u7248\u672c\u8981\u6c42\u53d1\u5361\u884c\u5fc5\u987b\u652f\u6301\u4ea4\u6613\u98ce\u9669\u5206\u6790\u7cfb\u7edfTRA\u8c41\u514d\uff08Transaction Risk Analysis\uff09\u3001\u652f\u6301\u5546\u6237\u53d1\u8d77\u4ed8\u6b3e3RI\u529f\u80fd\uff083DS Requestor Initiated\uff09\u3001\u59d4\u6258\u8ba4\u8bc1\u529f\u80fd\uff08Delegated Authentication\uff09\u548c\u89e3\u8026\u8eab\u4efd\u8ba4\u8bc1\u529f\u80fd\uff08Decoupled Authentication\uff09<sup>3<\/sup>\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u00b7 \u4ea4\u6613\u98ce\u9669\u5206\u6790\u7cfb\u7edfTRA\u8c41\u514d\uff08Transaction Risk Analysis\uff09\uff1a<\/strong>3DS 2.2\u652f\u6301\u66f4\u52a0\u65e0\u7f1d\u7684\u7ed3\u8d26\u4f53\u9a8c\uff0c\u5141\u8bb8\u652f\u4ed8\u670d\u52a1\u5546\u6216\u5546\u5bb6\u5e94\u7528\u4ea4\u6613\u98ce\u9669\u5206\u6790\u7cfb\u7edf\uff08TRA\uff09\uff0c\u5411\u53d1\u5361\u884c\u8bf7\u6c42\u4f4e\u98ce\u9669\u8c41\u514d\uff0c\u51cf\u5c11\u8eab\u4efd\u9a8c\u8bc1\u6b65\u9aa4\uff0c\u63d0\u5347\u652f\u4ed8\u6210\u529f\u7387\uff1b<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u00b7 \u53d1\u8d77\u4ed8\u6b3e3RI\u529f\u80fd\uff083DS Requestor Initiated\uff09\uff1a<\/strong>\u8fd9\u610f\u5473\u7740\u6d88\u8d39\u8005\u5728\u4e00\u6b21\u4ea4\u6613\u7684\u8eab\u4efd\u8ba4\u8bc1\u540e\uff0c\u5546\u6237\u53ef\u4ee5\u4f7f\u7528\u83b7\u5f97\u7684\u6388\u6743\u5b8c\u6210\u540e\u7eed\u76f8\u5173\u4ea4\u6613\uff0c\u800c\u6d88\u8d39\u8005\u65e0\u9700\u518d\u6b21\u53c2\u4e0e\u8eab\u4efd\u8ba4\u8bc1\uff1b<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u00b7 \u59d4\u6258\u8ba4\u8bc1\u529f\u80fd\uff08Delegated Authentication\uff09\uff1a<\/strong>\u8be5\u529f\u80fd\u5141\u8bb8\u7b2c\u4e09\u65b9\u673a\u6784\u4ee3\u66ff\u53d1\u5361\u884c\u8fdb\u884c\u8eab\u4efd\u9a8c\u8bc1\uff0c\u8fdb\u4e00\u6b65\u4f18\u5316\u652f\u4ed8\u6d41\u7a0b\uff0c\u964d\u4f4e\u5f03\u5355\u7387\uff1b<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u00b7 \u89e3\u8026\u8eab\u4efd\u8ba4\u8bc1\u529f\u80fd\uff08Decoupled Authentication\uff09\uff1a<\/strong>\u8be5\u529f\u80fd\u53ef\u4ee5\u5c06\u652f\u4ed8\u4e0e\u8ba4\u8bc1\u4e24\u4e2a\u6b65\u9aa4\u5206\u5f00\uff0c\u9002\u7528\u4e8e\u6d88\u8d39\u8005\u65e0\u6cd5\u7acb\u5373\u5b8c\u6210\u8eab\u4efd\u8ba4\u8bc1\u7684\u60c5\u51b5\uff0c\u63d0\u4f9b\u66f4\u591a\u9009\u62e9\u548c\u7075\u6d3b\u6027\uff1b<\/p>\n\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2024\/10\/image-1.png\" alt=\"\" class=\"wp-image-13819\" width=\"500\" srcset=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2024\/10\/image-1.png 831w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2024\/10\/image-1-300x161.png 300w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2024\/10\/image-1-768x413.png 768w\" sizes=\"(max-width: 831px) 100vw, 831px\" \/><\/figure><\/div>\n\n\n<p class=\"has-text-align-center\">\u56fe\u6e90\uff1aVisa<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>EMV 3DS 2.2\u5f3a\u5316\u4e863DS2.1\u5728\u4ea4\u6613\u8bc6\u522b\u529f\u80fd\u4e0a\u7684\u652f\u6301\uff0c\u4ece\u800c\u63d0\u5347\u5728\u7ebf\u652f\u4ed8\u9886\u57df\u7684\u98ce\u9669\u8bc4\u5206\u5230\u59d4\u6258\u8eab\u4efd\u9a8c\u8bc1\u670d\u52a1\uff0c\u8fd9\u4e9b\u529f\u80fd\u53ef\u4ee5\u5e2e\u52a9\u5546\u6237\u63d0\u5347\u652f\u4ed8\u6210\u529f\u7387\u5e76\u964d\u4f4e\u6b3a\u8bc8\u98ce\u9669\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u00b7 \u65e0\u7f1d\u7684\u6d88\u8d39\u8005\u7ed3\u8d26\u4f53\u9a8c<\/strong><\/p>\n\n\n\n<p><strong>\u00b7 \u667a\u80fd\u7684\u98ce\u9669\u51b3\u7b56\u53ca\u9a8c\u8bc1\u8c41\u514d\u6d41\u7a0b\u5904\u7406<\/strong><\/p>\n\n\n\n<p><strong>\u00b7 \u4f18\u5316\u652f\u4ed8\u6d41\u7a0b\uff0c\u964d\u4f4e\u4ea4\u6613\u6469\u64e6<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul>\n<li><strong>Oceanpayment 3DS2.2<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u4f5c\u4e3a\u5168\u7403\u6570\u5b57\u652f\u4ed8\u670d\u52a1\u5546\uff0cOceanpayment AI\u98ce\u9669\u63a7\u5236\u79d1\u6280\uff0c\u57fa\u4e8e\u652f\u4ed8\u5168\u6d41\u7a0b\u7684\u4eba\u5de5\u667a\u80fd\u9a71\u52a8\u578b\uff08AI+\u5927\u6570\u636e\uff09\u5b9e\u65f6\u6b3a\u8bc8\u68c0\u6d4b\u4e0e\u6700\u4f73\u5b9e\u8df5\u6a21\u578b\u98ce\u9669\u9884\u9632\uff0c\u4ee5\u4e8b\u524d\u3001\u4e8b\u4e2d\u3001\u4e8b\u540e\u98ce\u63a7\u95ed\u73af\u5f0f\u98ce\u63a7\u7ba1\u7406\uff0c\u7ed3\u54083DS\u670d\u52a1\uff0c\u62b5\u5fa199%\u4ee5\u4e0a\u7684\u4ea4\u6613\u98ce\u9669\u3002\u73b0Oceanpayment \u5df2\u5168\u9762\u652f\u6301EMV&nbsp;3DS 2.2\u534f\u8bae\uff0c\u6ee1\u8db3\u56fd\u9645\u5361\u7ec4\u7ec7\u6280\u672f\u4e0e\u4e1a\u52a1\u9700\u6c42\uff0c\u7ed9\u4e88\u8de8\u5883\u5546\u6237\u65e0\u6469\u64e6\u7684\u4ea4\u6613\u8ba4\u8bc1\u4f53\u9a8c\uff0c\u6709\u6548\u63d0\u9ad8\u670d\u52a1\u7684\u6548\u7387\u548c\u51c6\u786e\u6027\uff0c\u540c\u65f6\u4e3a\u8de8\u5883\u5546\u6237\u548c\u6d88\u8d39\u8005\u521b\u9020\u5408\u89c4\u3001\u5b89\u5168\u7684\u4ea4\u6613\u73af\u5883\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>\u53c2\u8003\u8d44\u6599\uff1a<\/p>\n<cite>[1]\u300a\u804a\u804aPSD2-SCA\u90a3\u4e9b\u4e8b\u513f\u300b\uff0c\u5173\u4e8eSCA\u53caPSD2\u6cd5\u6848\u7684\u8be6\u7ec6\u4ecb\u7ecd.<br>[2]\u300a\u56fd\u9645\u6807\u51c6EMV 3DS V2.3\u7684\u53d1\u5e03\u4e0e\u89e3\u8bfb\u300b\uff0c\u300a\u4e2d\u56fd\u91d1\u878d\u7535\u8111\u300b\u6742\u5fd7\u793e\uff0c2021.<br>[3]\u300aVisa European EMV 3DS 2.2.0 Implementation Guide\u300b,Visa\uff0c2019.<\/cite><\/blockquote>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2021 \u5e74\uff0c\u5ba2\u6237\u8eab\u4efd\u9a8c\u8bc1SCA(Strong Customer Authentication)1\u65b0\u89c4\u5728\u6b27\u6d32\u751f\u6548\u3002\u5176\u4e2d\u8fdb\u884cSCA\u6700\u5e38\u7528\u7684\u65b9\u6cd5\u4fbf\u662f\u901a\u8fc73DS\uff083D-Secure\uff09\u8fdb\u884c\u9a8c\u8bc1\u652f\u4ed8\u3002 \u8fd1\u65e5\uff0c\u56fd\u9645\u5361\u7ec4\u7ec7Visa\u5b98\u65b9\u58f0\u660e\uff0c\u4e8e2024\u5e749\u670825\u65e5\u5df2\u505c\u6b62\u5bf9EMV 3DS 2.1\u7248\u672c\u7684\u652f\u6301\uff0c\u5e76\u63a8\u52a8EMV 3DS 2.2\u7248\u672c\u7684\u4f7f\u7528\u3002 \u56fe\u6e90\uff1aVisa EMV 3DS\uff1a EMV 3DS\u662f\u7531\u5168\u7403\u5b89\u5168\u652f\u4ed8\u4ea4\u6613 [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":13821,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[316,564,247,58],"yoast_head":"<!-- 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