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The account information contains optional information about the cardholder account with the merchant.

Info
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: `guestCheckout` `thisTransaction` `lessThan30Days` `from30To60Days` `moreThan60Days`
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: `thisTransaction` `lessThan30Days` `from30To60Days` `moreThan60Days`
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: `noChange` `thisTransaction` `lessThan30Days` `from30To60Days` `moreThan60Days`
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: `guestCheckout` `thisTransaction` `lessThan30Days` `from30To60Days` `moreThan60Days`
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: `thisTransaction` `lessThan30Days` `from30To60Days` `moreThan60Days`
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:

guest
merchantCredentials
federatedID
issuerCredentials
thirdPartyAuthentication
FIDO
signedFIDO
SRCassuranceData

3

authenticationTimestamp

string

M

Date and time (see RFC 3339) in UTC of the cardholder authentication.

YYYY-MM-DDTHH:MM:SS+00:00

Schema

BASEURL=

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	BaseURL
PageWithExcerpt	Wording

schemas

Code Block

theme	Eclipse
linenumbers	true

{
	"$schema": "http://json-schema.org/draft-07/schema#",
	"$id": "

...

BASEURL/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

Code Block

theme	Eclipse
linenumbers	true

{
	"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
}

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