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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

CND

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

CND

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

Schema

BASEURL= https://www.computop-paygate.com/schemas

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{
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"$schema": "http://json-schema.org/draft-07/schema#",
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"$id": "BASEURL/accountInfo.json",
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"title": "accountInfo",
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"description": "Customer Account Information",
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"type": "object",
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"properties": {
8
"accountIdentifier": {
9
"type": "string",
10
"maxLength": 64
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},
12
"authenticationInformation": {
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"type": "object",
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"properties": {
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"authenticationData": {
16
"type": "string",
17
"maxLength": 20000
18
},
19
"authenticationMethod": {
20
"type": "string",
21
"enum": ["guest", "merchantCredentials", "federatedID", "issuerCredentials", "thirdPartyAuthentication", "FIDO", "signedFIDO", "SRCassuranceData"]
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},
23
"authenticationTimestamp": {
24
"type": "string",
25
"format": "date-time"
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}
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},
28
"required": ["authenticationMethod", "authenticationTimestamp"],
29
"additionalProperties": false
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},
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"accountAgeIndicator": {
32
"type": "string",
33
"enum": ["guestCheckout", "thisTransaction", "lessThan30Days", "from30To60Days", "moreThan60Days"],
34
"description": "Length of time that the customer has had the account with the merchant."
35
},
36
"accountChangeDate": {
37
"type": "string",
38
"format": "full-date",
39
"description": "YYYY-MM-DD"
40
},
41
"accountChangeIndicator": {
42
"type": "string",
43
"enum": ["thisTransaction", "lessThan30Days", "from30To60Days", "moreThan60Days"],
44
"description": "Length of time since the customer account information was last changed."
45
},
46
"accountCreationDate": {
47
"type": "string",
48
"format": "full-date",
49
"description": "YYYY-MM-DD"
50
},
51
"passwordChangeDate": {
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"type": "string",
53
"format": "full-date",
54
"description": "YYYY-MM-DD"
55
},
56
"passwordChangeDateIndicator": {
57
"type": "string",
58
"enum": ["noChange", "thisTransaction", "lessThan30Days", "from30To60Days", "moreThan60Days"],
59
"description": "Indicates the length of time since the customer account had a password change or account reset."
60
},
61
"nbrOfPurchases": {
62
"type": "integer",
63
"maximum": 9999,
64
"description": "Number of purchases in the last 6 months."
65
},
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"addCardAttemptsDay": {
67
"type": "integer",
68
"maximum": 999,
69
"description": "Number of Add Card attempts in the last 24 hours."
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},
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"nbrTransactionsDay": {
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"type": "integer",
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"maximum": 999,
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"description": "Number of transactions (successful and abandoned) in the previous 24 hours."
75
},
76
"nbrTransactionsYear": {
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"type": "integer",
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"maximum": 999,
79
"description": "Number of transactions (successful and abandoned) in the previous year."
80
},
81
"paymentAccountAge": {
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"type": "string",
83
"format": "full-date",
84
"description": "Date that the payment account was enrolled in the customer account in format YYYY-MM-DD."
85
},
86
"paymentAccountAgeIndicator": {
87
"type": "string",
88
"enum": ["guestCheckout", "thisTransaction", "lessThan30Days", "from30To60Days", "moreThan60Days"],
89
"description": "Indicates the length of time that the payment account was enrolled in the customer account."
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},
91
"shipAddressUsageDate": {
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"type": "string",
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"format": "full-date",
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"description": "Date when the shipping address used for this transaction was first used in format YYYY-MM-DD."
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},
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"shipAddressUsageIndicator": {
97
"type": "string",
98
"enum": ["thisTransaction", "lessThan30Days", "from30To60Days", "moreThan60Days"],
99
"description": "Indicates when the shipping address used for this transaction was first used."
100
},
101
"suspiciousAccActivity": {
102
"type": "boolean",
103
"description": "Indicates whether the merchant has experienced suspicious activity (including previous fraud) on the customer account."
104
}
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},
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"additionalProperties": false
107
}

Sample

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{
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"accountIdentifier": "joe.bloggs@acme.com",
3
"authenticationInformation": {
4
"authenticationMethod": "merchantCredentials",
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"authenticationTimestamp": "2021-10-05T04:36:18+00:00"
6
},
7
"accountAgeIndicator": "moreThan60Days",
8
"accountChangeDate": "2019-01-23",
9
"accountChangeIndicator": "from30To60Days",
10
"accountCreationDate": "2016-01-01",
11
"passwordChangeDate": "2018-06-08",
12
"passwordChangeDateIndicator": "lessThan30Days",
13
"nbrOfPurchases": 4,
14
"addCardAttemptsDay": 0,
15
"nbrTransactionsDay": 0,
16
"nbrTransactionsYear": 5,
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"paymentAccountAge": "2018-03-20",
18
"paymentAccountAgeIndicator": "thisTransaction",
19
"shipAddressUsageDate": "2017-10-14",
20
"shipAddressUsageIndicator": "moreThan60Days",
21
"suspiciousAccActivity": true
22
}

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