Device Data Collection Overview

The device data collection collects the required browser data elements in order to make the 3-D Secure 2.x request and invoke the 3-D Secure Method URL when it is available.

The Cardinal Cruise Direct Connection API places the required Method URL on the merchantEMV 3D Secure requirements, a merchant must place and run the Method URL on their website if the issuing bank uses one.)

The Method URL is a concept in the EMV 3-D Secure protocol that allows an issuing bank to obtain additional browser information prior to starting the authentication session to help facilitate risk-based authentication. The implementation techniques for obtaining the additional browser information are out of scope of the EMV 3-D Secure protocol. This process also occurred in 3-D Secure 1.0 when the customer's browser was redirected to the ACS URL. The Method URL step provides a better user experience.