2016-03-21 16:41:40 +01:00
|
|
|
|
# FROM: https://github.com/w3c/webpayments/tree/gh-pages/PaymentFlows
|
|
|
|
|
|
|
|
|
|
|
|
@startuml
|
|
|
|
|
|
|
|
|
|
|
|
Participant "Payee (Merchant) PSP [Acquirer]" as MPSP
|
|
|
|
|
|
Participant "Payee (Merchant) [Acceptor] Site " as Payee
|
|
|
|
|
|
Actor "Payer (Shopper) [Cardholder] Browser" as Payer
|
|
|
|
|
|
participant "Browser Form Filler" as UA
|
|
|
|
|
|
participant "Card Scheme Directory" as CSD
|
|
|
|
|
|
participant "Issuing Bank [Issuer] Website" as CPSPW
|
|
|
|
|
|
participant "Issuing Bank [Issuer]" as CPSP
|
|
|
|
|
|
|
|
|
|
|
|
note over Payee, Payer: HTTPS
|
|
|
|
|
|
|
|
|
|
|
|
title
|
|
|
|
|
|
<b>Legacy Merchant Hosted Card Payment with Acquirer Supported 3DS (Current)</b>
|
|
|
|
|
|
|
|
|
|
|
|
<i>3DS is used to add confidence that the payer is who they say they are and importantly in the event of a dispute liability shift to the Issuer.</i>
|
|
|
|
|
|
end title
|
|
|
|
|
|
|
|
|
|
|
|
== Establish Payment Obligation ==
|
|
|
|
|
|
|
|
|
|
|
|
Payee->Payer: Present Check-out page with Pay Button
|
|
|
|
|
|
Payer->Payer: Select Card Payment Method
|
|
|
|
|
|
|
|
|
|
|
|
alt
|
|
|
|
|
|
UA->Payer: Form Fill
|
2016-05-14 21:45:35 +02:00
|
|
|
|
' Note right: fields are PAN & Expiry Date with optional CVV, & Address, Also Card Valid Date and Issue Number are required for some Schemes
|
2016-03-21 16:41:40 +01:00
|
|
|
|
else
|
|
|
|
|
|
Payer->Payer: User Fills Form
|
|
|
|
|
|
End
|
|
|
|
|
|
|
|
|
|
|
|
== Card Payment Initiation ==
|
|
|
|
|
|
|
|
|
|
|
|
Payer->Payee: Payment Initiation
|
2016-05-14 21:45:35 +02:00
|
|
|
|
' Note right: Custom code on merchant webpage can encrypt payload to reduce PCI burden from SAQ D to SAQ A-EP
|
2016-03-21 16:41:40 +01:00
|
|
|
|
|
|
|
|
|
|
opt
|
|
|
|
|
|
Payee->Payee: Store Card
|
2016-05-14 21:45:35 +02:00
|
|
|
|
' note right: Merchant can store card details apart from CVV (even if encrypted) for future use (a.k.a. Card on File)
|
2016-03-21 16:41:40 +01:00
|
|
|
|
end
|
|
|
|
|
|
|
|
|
|
|
|
Payee-\MPSP: Authorise
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
== 3DS part of flow ==
|
|
|
|
|
|
|
2016-05-14 21:45:35 +02:00
|
|
|
|
' Note over MPSP, Payee: At this point, the Merchant or Merchant's PSP can decide if it wishes to invoke 3DS. This might be based on transaction value (i.e. low value -> low risk) or other factors, e.g. if the Shopper is a repeat purchaser.
|
2016-03-21 16:41:40 +01:00
|
|
|
|
|
|
|
|
|
|
MPSP –> CSD: BIN to URL lookup (VAReq message)
|
|
|
|
|
|
CSD -> CSD: Lookup URL from BIN
|
|
|
|
|
|
CSD –> CPSPW : “PING”
|
2016-05-14 21:45:35 +02:00
|
|
|
|
'note right: verify URL validity
|
2016-03-21 16:41:40 +01:00
|
|
|
|
CPSPW –> CSD: “PING” response
|
|
|
|
|
|
CSD –> MPSP: URL
|
|
|
|
|
|
|
|
|
|
|
|
MPSP-/Payee: 3DS redirect (PAReq message)
|
|
|
|
|
|
Payee->Payer: 3DS redirect (PAReq message)
|
|
|
|
|
|
Payer->CPSPW: 3DS invoke
|
|
|
|
|
|
CPSPW-\Payer: 3DS challenge
|
|
|
|
|
|
Payer-/CPSPW: 3DS response (PARes message)
|
|
|
|
|
|
CPSPW->Payer: 3DS response (PARes message)
|
|
|
|
|
|
Payer->Payee: 3DS response (PARes message)
|
|
|
|
|
|
Payee-\MPSP: 3DS response (PARes message)
|
|
|
|
|
|
|
|
|
|
|
|
MPSP->MPSP: Verification of PARes signature
|
|
|
|
|
|
|
|
|
|
|
|
== End of 3DS ==
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
MPSP-\CPSP: Authorisation Request
|
|
|
|
|
|
CPSP-/MPSP: Authorisation Response
|
|
|
|
|
|
|
|
|
|
|
|
MPSP-/Payee: Authorisation Response
|
|
|
|
|
|
|
|
|
|
|
|
== Notification ==
|
|
|
|
|
|
|
|
|
|
|
|
Payee->Payer: Result Page
|
|
|
|
|
|
|
|
|
|
|
|
== Request for Settlement process (could be immediate, batch (e.g. daily) or after some days) ==
|
|
|
|
|
|
|
|
|
|
|
|
Alt
|
|
|
|
|
|
Payee -> MPSP : Capture
|
2016-05-14 21:45:35 +02:00
|
|
|
|
'note right: Later Capture may be called, for example after good shipped or tickets pickedup
|
2016-03-21 16:41:40 +01:00
|
|
|
|
Else
|
|
|
|
|
|
MPSP -> MPSP : Auto Capture in batch processing at end-of-day
|
|
|
|
|
|
End
|
|
|
|
|
|
|
|
|
|
|
|
MPSP->CPSP: Capture
|
|
|
|
|
|
|
|
|
|
|
|
== Fulfilment ==
|
|
|
|
|
|
|
|
|
|
|
|
Payee->Payer: Provide products or services
|
|
|
|
|
|
|
|
|
|
|
|
@enduml
|
