JSON Object
accountInfo
accountInfo
The account information contains optional information about the cardholder account with the merchant.
Cardholder Account Information data elements used to define a time period can be included as either: the specific date or an approximate indicator for when the action occurred. 3DS Requestors can use either format.
Data Elements
| Key | Format | Condition | Description |
| accountIdentifier | string | O | The account ID of the cardholder within merchant environment / website (e.g. customer number). |
| authenticationInformation | object | O | This element contains optional information about how the cardholder authenticated during login to their account in the merchant environment (e.g. website). |
| accountAgeIndicator | string | O | Length of time that the customer has had the payment instrument / payment account with the merchant. Values accepted: · guestCheckout · thisTransaction · lessThan30Days · from30To60Days · moreThan60Days |
| accountChangeDate | string | O | Date that the customer’s payment instrument (account) with the merchant was last changed, including billing or shipping address, new payment account, or new user(s) added (YYYY-MM-DD). |
| accountChangeIndicator | string | O | Length of time since the customer’s account information with the merchant was last changed, including billing or shipping address, new payment account, or new user(s) added. Values accepted: · thisTransaction · lessThan30Days · from30To60Days · moreThan60Days |
| accountCreationDate | string | O | Date that the customer opened the account with the merchant in format YYYY-MM-DD. |
| passwordChangeDate | string | O | Date that customer’s account with the merchant had a password change or account reset in format YYYY-MM-DD. |
| passwordChangeDateIndicator | string | O | Indicates the length of time since the customer account had a password change or account reset. Values accepted: · noChange · thisTransaction · lessThan30Days · from30To60Days · moreThan60Days |
| nbrOfPurchases | integer | O | Number of purchases in the last 6 months. |
| addCardAttemptsDay | integer | O | Number of Add Card attempts in the last 24 hours. |
| nbrTransactionsDay | integer | O | Number of transactions (successful and abandoned) in the previous 24 hours. |
| nbrTransactionsYear | integer | O | Number of transactions (successful and abandoned) in the previous year. |
| paymentAccountAge | string | O | Date that the payment account was enrolled in the customer account in format YYYY-MM-DD. |
| paymentAccountAgeIndicator | string | O | Indicates the length of time that the payment account was enrolled in the customer account. Values accepted: · guestCheckout · thisTransaction · lessThan30Days · from30To60Days · moreThan60Days |
| shipAddressUsageDate | string | O | Date when the shipping address used for this transaction was first used in format YYYY-MM-DD. |
| shipAddressUsageIndicator | string | O | Indicates when the shipping address used for this transaction was first used. Values accepted: · thisTransaction · lessThan30Days · from30To60Days · moreThan60Days |
| suspiciousAccActivity | boolean | O | Indicates whether the merchant has experienced suspicious activity (including previous fraud) on the customer account. |
authenticationInformation
| Key | Format | Condition | Description |
| authenticationData | string | C | This data element can carry specific authentication attestation data such as FIDO if applicable. |
| authenticationMethod | string | M | This data element specifies the mechanism used by the Cardholder to authenticate to the merchant. Values accepted: · guest · merchantCredentials · federatedID · issuerCredentials · thirdPartyAuthentication · FIDO · signedFIDO · SRCassuranceData |
| authenticationTimestamp | string | M | Date and time (see RFC 3339) in UTC of the cardholder authentication. YYYY-MM-DDTHH:MM:SS+00:00 |
Example:
{
“accountIdentifier”: “joe.bloggs@acme.com”
“authenticationInformation”: {
“authenticationMethod”: “merchantCredentials”,
“authenticationTimestamp”: “2021-10-05T04:36:18+00:00”
},
“accountAgeIndicator”: “moreThan60Days”,
“accountChangeDate”: “2019-01-23”,
“accountChangeIndicator”: “from30To60Days”,
“accountCreationDate”: “2016-01-01”,
“passwordChangeDate”: “2018-06-08”,
“passwordChangeDateIndicator”: “lessThan30Days”,
“nbrOfPurchases”: 4,
“addCardAttemptsDay”: 0,
“nbrTransactionsDay”: 0,
“nbrTransactionsYear”: 5,
“paymentAccountAge”: “2018-03-20”,
“paymentAccountAgeIndicator”: “thisTransaction”,
“shipAddressUsageDate”: “2017-10-14”,
“shipAddressUsageIndicator”: “moreThan60Days”,
“suspiciousAccActivity”: true
}
