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

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KeyFormatCNDDescriptionBeschreibung
1

accountIdentifier

string

O

The account ID of the cardholder within merchant environment / website (e.g. customer number)

Die Konto-ID des Karteninhabers in der Händler-Umgebung / Webseite (z.B. Kundennummer)
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).

Dieses Element enthält optionale Informationen darüber, wie sich der Karteninhaber bei der Anmeldung zur Händler-Umgebung (z.B. Webseite) authentisiert hat.
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

Zeitdauer, wie lange der Kunde das Zahlungsmittel / Zahlungskonto beim Händler hat.

Zulässige Werte:

  • 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).

Datum der letzten Änderung des Zahlungsmittels (Kontos) des Kunden beim Händler einschließlich Rechnungs- oder Lieferadresse, neues Zahlungskonto oder neu hinzugefügte(r) Benutzer (JJJJ-MM-TT).
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

Zeitdauer seit der letzten Änderung der Kontoinformationen des Kunden beim Händler einschließlich Rechnungs- oder Lieferadresse, neues Zahlungskonto oder neu hinzugefügte(r) Benutzer.

Zulässige Werte:

  • thisTransaction

  • lessThan30Days

  • from30To60Days

  • moreThan60Days

6

accountCreationDate

string

O

Date that the customer opened the account with the merchant in format YYYY-MM-DD

Datum, an dem der Kunde das Konto beim Händler eröffnet hat im Format JJJJ-MM-TT
7

passwordChangeDate

string

O

Date that customer's account with the merchant had a password change or account reset in format YYYY-MM-DD

Datum der letzten Kennwortänderung oder des Rücksetzens des Kundenkontos beim Händler im Format JJJJ-MM-TT
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

Gibt die Zeitdauer seit der Kennwortänderung oder seit dem Rücksetzen des Kundenkontos an.

Zulässige Werte:

  • thisTransaction

  • lessThan30Days

  • from30To60Days

  • moreThan60Days

  • noChange
9

nbrOfPurchases

integer

O

Number of purchases in the last 6 months

Anzahl der Käufe in den letzten 6 Monaten
10

addCardAttemptsDay

integer

O

Number of Add Card attempts in the last 24 hours

Anzahl der Versuche zum Hinzufügen einer Karte in den letzten 24 Stunden
11

nbrTransactionsDay

integer

O

Number of transactions (successful and abandoned) in the previous 24 hours

Anzahl der Transaktionen (erfolgreich und abgebrochen) in den letzten 24 Stunden
12

nbrTransactionsYear

integer

O

Number of transactions (successful and abandoned) in the previous year

Anzahl der Transaktionen (erfolgreich und abgebrochen) im letzten Jahr
13

paymentAccountAge

string

O

Date that the payment account was enrolled in the customer account in format YYYY-MM-DD

Datum, an dem das Zahlungskonto im Kundenkonto registriert worden ist, im Format JJJJ-MM-TT
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

Gibt die Zeitdauer an, wie lange das Zahlungskonto im Kundenkonto registriert ist.

Zulässige Werte:

  • thisTransaction

  • lessThan30Days

  • from30To60Days

  • moreThan60Days

  • guestCheckout
15

shipAddressUsageDate

string

O

Date when the shipping address used for this transaction was first used in format YYYY-MM-DD

Datum, wann die für diese Transaktion angegebene Lieferadresse erstmalig verwendet wurde, im Format JJJJ-MM-TT
16

shipAddressUsageIndicator

string

O

Indicates when the shipping address used for this transaction was first used.

Values accepted:

  • thisTransaction

  • lessThan30Days

  • from30To60Days

  • moreThan60Days

Gibt an, wann die für diese Transaktion angegebene Lieferadresse erstmalig verwendet wurde.

Zulässige Werte:

  • thisTransaction

  • lessThan30Days

  • from30To60Days

  • moreThan60Days

17

suspiciousAccActivity

boolean

O

Indicates whether the merchant has experienced suspicious activity (including previous fraud) on the customer account

Gibt an, ob der Händler in dem Kundenkonto verdächtige Aktivitäten (einschließlich früheren Betrugs) festgestellt hat

authenticationInformation

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KeyFormatCNDDescriptionBeschreibung
1

authenticationData

string

C

This data element can carry specific authentication attestation data such as FIDO if applicable

Dieses Datenelement kann spezielle Beglaubigungsdaten der Authentisierung wie FIDO enthalten, falls zutreffend
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

Dieses Datenelement gibt den vom Karteninhaber zur Authentisierung beim Händler verwendeten Mechanismus an.

Zulässige Werte:

  • 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

Datum und Uhrzeit (siehe RFC 3339) der Authentisierung des Karteninhabers in UTC.

JJJJ-MM-TTTHH:MM:SS+00:00

Schema

(info) BASEURL= https://www.payjet-cockpit.de/schemas

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

{
	"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
}