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Definición

ECI - Electronic Commerce Indicator

Indica el nivel de seguridad de la autenticación. Es un valor que está relacionado con el PARes Transaction Status y puede tener valor nulo en función del escenario. Aunque tienen significados equivalentes cada proveedor de tarjeta utiliza unos valores distintos.

Valores

Tarjeta

Valor ECI

Significado

VISA

05

This value means that the cardholder was authenticated by the issuer by verifying the cardholder’s password or identity information. The value is returned by the ACS in the Payer Authentication Response message when the cardholder successfully passed 3-D Secure payment authentication

06

This value means that the merchant attempted to authenticate the cardholder, but either the cardholder or issuer was not participating. The value should be returned by the ACS in the Authentication Response message for an Attempt Response. Additionally, merchants may use an ECI 6 in the authorization request when a Verify Enrollment of N is received from the Visa Directory Server

07

This value is set by the merchant when the payment transaction was conducted over a secure channel (for example, SSL/TLS), but payment authentication was not performed, or when the issuer responded that authentication could not be performed. An ECI 7 applies when either the Verify Enrollment or the Payer Authentication Response contains a U for Unable to Authenticate

Master Card

01

Authentication could not be completed but a proof of authentication attempt was provided SLI = 1

02

Cardholder was successfully authenticated (SLI = 2)

Absent

Cardholder authentication failed SLI = 0

Absent

Authentication could not be completed due to technical or other problems (SLI = 1)

American Express

Se comportan como Visa

Diners Club

JCB

Cuadro comparativo

Autenticación

ECI Visa

ECI MasterCard

ECI Amex

ECI Diners

ECI JCB

Autenticación verificada

05

02

Se comportan como Visa

Intento de autenticación

06

01

No autenticado

07

00

Flujo de identificación del ECI

 Authentication Path for Visa, American Express, JCB, Diners Club, and Discover (by CyberSource)

 Authentication Path for Mastercard and Maestro (by Cybersource)

Referencias

Tarjeta

Documento

Visa

Verified by Visa - Acquirer and Merchant Implementation Guide (pág 30) /wiki/spaces/NDC2/pages/1526890721

Master Card

MaterCard SecureCode - Merchant Implementation Guide (pág 29) /wiki/spaces/NDC2/pages/1526890721

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