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 | |
|---|---|---|---|---|
| 1 | accountIdentifier | string | O | The account ID of the cardholder within merchant environment / website (e.g. customer number). |
| 2 | 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). |
| 3 | accountAgeIndicator | string | O | Length of time that the customer has had the payment instrument / payment account with the merchant. Values accepted:
|
| 4 | 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). |
| 5 | 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:
|
| 6 | accountCreationDate | string | O | Date that the customer opened the account with the merchant in format YYYY-MM-DD. |
| 7 | passwordChangeDate | string | O | Date that customer's account with the merchant had a password change or account reset in format YYYY-MM-DD. |
| 8 | passwordChangeDateIndicator | string | O | Indicates the length of time since the customer account had a password change or account reset. Values accepted:
|
| 9 | nbrOfPurchases | integer | O | Number of purchases in the last 6 months. |
| 10 | addCardAttemptsDay | integer | O | Number of Add Card attempts in the last 24 hours. |
| 11 | nbrTransactionsDay | integer | O | Number of transactions (successful and abandoned) in the previous 24 hours. |
| 12 | nbrTransactionsYear | integer | O | Number of transactions (successful and abandoned) in the previous year. |
| 13 | paymentAccountAge | string | O | Date that the payment account was enrolled in the customer account in format YYYY-MM-DD. |
| 14 | paymentAccountAgeIndicator | string | O | Indicates the length of time that the payment account was enrolled in the customer account. Values accepted:
|
| 15 | shipAddressUsageDate | string | O | Date when the shipping address used for this transaction was first used in format YYYY-MM-DD. |
| 16 | shipAddressUsageIndicator | string | O | Indicates when the shipping address used for this transaction was first used. Values accepted:
|
| 17 | suspiciousAccActivity | boolean | O | Indicates whether the merchant has experienced suspicious activity (including previous fraud) on the customer account. |
authenticationInformation
| Key | Format | Condition | Description | |
|---|---|---|---|---|
| 1 | authenticationData | string | C | This data element can carry specific authentication attestation data such as FIDO if applicable. |
| 2 | authenticationMethod | string | M | This data element specifies the mechanism used by the Cardholder to authenticate to the merchant. Values accepted:
|
| 3 | authenticationTimestamp | string | M | Date and time (see RFC 3339) in UTC of the cardholder authentication. YYYY-MM-DDTHH:MM:SS+00:00 |
Schema
{
"$schema": "http://json-schema.org/draft-07/schema#",
"$id": "https://paymentpage.axepta.bnpparibas/schemas/accountInfo.json",
"title": "accountInfo",
"description": "Customer Account Information",
"type": "object",
"properties": {
"accountIdentifier": {
"type": "string",
"maxLength": 64
},
"authenticationInformation": {
"type": "object",
"properties": {
"authenticationData": {
"type": "string",
"maxLength": 20000
},
"authenticationMethod": {
"type": "string",
"enum": ["guest", "merchantCredentials", "federatedID", "issuerCredentials", "thirdPartyAuthentication", "FIDO", "signedFIDO", "SRCassuranceData"]
},
"authenticationTimestamp": {
"type": "string",
"format": "date-time"
}
},
"required": ["authenticationMethod", "authenticationTimestamp"],
"additionalProperties": false
},
"accountAgeIndicator": {
"type": "string",
"enum": ["guestCheckout", "thisTransaction", "lessThan30Days", "from30To60Days", "moreThan60Days"],
"description": "Length of time that the customer has had the account with the merchant."
},
"accountChangeDate": {
"type": "string",
"format": "full-date",
"description": "YYYY-MM-DD"
},
"accountChangeIndicator": {
"type": "string",
"enum": ["thisTransaction", "lessThan30Days", "from30To60Days", "moreThan60Days"],
"description": "Length of time since the customer account information was last changed."
},
"accountCreationDate": {
"type": "string",
"format": "full-date",
"description": "YYYY-MM-DD"
},
"passwordChangeDate": {
"type": "string",
"format": "full-date",
"description": "YYYY-MM-DD"
},
"passwordChangeDateIndicator": {
"type": "string",
"enum": ["noChange", "thisTransaction", "lessThan30Days", "from30To60Days", "moreThan60Days"],
"description": "Indicates the length of time since the customer account had a password change or account reset."
},
"nbrOfPurchases": {
"type": "integer",
"maximum": 9999,
"description": "Number of purchases in the last 6 months."
},
"addCardAttemptsDay": {
"type": "integer",
"maximum": 999,
"description": "Number of Add Card attempts in the last 24 hours."
},
"nbrTransactionsDay": {
"type": "integer",
"maximum": 999,
"description": "Number of transactions (successful and abandoned) in the previous 24 hours."
},
"nbrTransactionsYear": {
"type": "integer",
"maximum": 999,
"description": "Number of transactions (successful and abandoned) in the previous year."
},
"paymentAccountAge": {
"type": "string",
"format": "full-date",
"description": "Date that the payment account was enrolled in the customer account in format YYYY-MM-DD."
},
"paymentAccountAgeIndicator": {
"type": "string",
"enum": ["guestCheckout", "thisTransaction", "lessThan30Days", "from30To60Days", "moreThan60Days"],
"description": "Indicates the length of time that the payment account was enrolled in the customer account."
},
"shipAddressUsageDate": {
"type": "string",
"format": "full-date",
"description": "Date when the shipping address used for this transaction was first used in format YYYY-MM-DD."
},
"shipAddressUsageIndicator": {
"type": "string",
"enum": ["thisTransaction", "lessThan30Days", "from30To60Days", "moreThan60Days"],
"description": "Indicates when the shipping address used for this transaction was first used."
},
"suspiciousAccActivity": {
"type": "boolean",
"description": "Indicates whether the merchant has experienced suspicious activity (including previous fraud) on the customer account."
}
},
"additionalProperties": false
}
Sample
{
"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
}