Die starke Kundenauthentifizierung (Strong Customer Authentication, SCA) ist eine neue europäische Vorgabe, um Betrug zu reduzieren und. Laut Sicherheitsmaßnahmen der PSD2, der sogenannten Strong Customer Authentication (SCA), müssen Kunden ihre Online-Käufe mit der Eingabe eines. Erfahren Sie mehr über die „Starke Kundenauthentifizierung“ (Strong Customer Authentication, SCA), eine neue Anforderung aus der EU zur Authentifizierung.
FdWB-FachportalLernen Sie, was starke Kundenauthentifizierung (Strong Customer Authentication, SCA) im Rahmen von PSD2 bedeutet und wie Sie Ihr Unternehmen dafür. Strong Customer Authentication: die neue Anforderung für Onlinetransaktionen. Wir klären: Was ist SCA? Was bedeutet es für den. Die SCA (Strong-Customer-Authentication) oder starke Kundenauthentifizierung soll für mehr Sicherheit und Transparenz im finanziellen Bereich.
Strong Customer Authentication Strong Customer Authentication VideoA conversation about Strong Customer Authentication
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 Against this backdrop, the EBA accepted that, on an exceptional basis and in order to avoid unintended negative consequences for some payment service users after 14 September , NCAs may decide to work with PSPs and relevant stakeholders, including consumers and merchants, to provide limited additional time.
The EBA issued the Opinion in accordance with Article 29 1 a of its Founding Regulation, which mandates the Authority to play an active role in building a common Union supervisory culture and consistent supervisory practices, as well as in ensuring uniform procedures and consistent approaches throughout the Union.
The Opinion is a response to continued queries from market actors as to which authentication approaches the EBA considers to be compliant with SCA.
The Opinion also addresses concerns about the preparedness and compliance of some actors in the payments chain with the SCA requirements that apply as of 14 September Today's Opinion provides a non-exhaustive list of the authentication approaches currently observed in the market and states whether or not they are considered to be SCA compliant.
The Opinion does so separately for each of the three SCA elements of knowledge, possession and inherence, and also provides clarifications regarding combinations of these elements.
Home Strong Customer Strong Customer Authentication SCA is a new set of rules that will change how you confirm your identity when making purchases online.
The UK Finance SCA Programme Team have developed a revised implementation roadmap which can be found here The focus of the rollout is a technology called 3DSecure which will help to facilitate the authentication of the majority of card-based transactions.
Get in touch If you are a Payment Service Provider PSP , vendor or a merchant and would like to get involved in the programme, or to receive more information, please click the button below Get in touch Click through arrow.
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.
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.
Our new payments products optimise for different regulatory, bank, and card network rules and apply relevant exemptions for low-risk payments, so as to only trigger 3D Secure when required.
If you have any questions or feedback, please let us know! Guides Strong Customer Authentication. Accepting payments in Europe?
Financial Conduct Authority. November July 15, The Register.The EU Directive which governs payments, the Payment Services Directive (PSD2) contains (amongst a very wide range of dispositions) rules as to how payments are made, and one of the points directly related to online purchases is Strong Customer Authentication (SCA). Strong Customer Authentication Minimising disruption to consumers. We also want firms to implement SCA in a way that minimises disruption to, and Applying SCA to e-commerce. Given the impact of the Covid crisis, we have decided to give the industry an additional 6 Applying SCA to online. Strong Customer Authentication (SCA) is a European regulatory framework that describes three types of information that should be reviewed as part of an online payment transaction, so as to increase security and reduce fraud. Strong Customer Authentication Strong Customer Authentication – what’s next? The European Banking Authority (EBA) has released an opinion stating that the revised deadline for migration to SCA has been set at 31 December , a month extension from the original implementation date of 14 September Strong customer authentication (SCA) is defined as “an authentication based on the use of two or more elements categorised as knowledge (something only the user knows), possession (something only the user possesses) and inherence (something the user is). 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.