BankSCA

Quali-Sign LTD財經2020-07-23

價格：免費

更新日期：2020-07-23

檔案大小：9.5 MB

目前版本：0.8.0

版本需求：系統需求：iOS 12.4 或以後版本。相容裝置：iPhone、iPad、iPod touch。

支援語言：英語

BankSCA meets the PSD2 requirement for an Account Servicing Payments Services Provider (ASPSP i.e. a bank) to issue a dedicated (single purpose) app to customers in order to capture SCA. BankSCA supports PSD2 APIs (incl. Berlin Group, UK Open Banking) as well as bank direct channels (e.g. SWIFT, host-to-host).

Multiple flavours of SCA are supported (incl. Decoupled, App-to-app Redirection) This enables an ASPSP to operate a single common SCA procedure with the same smartphone app and the same set of shared user credentials.

BankSCA supports retail and corporate banking use cases; multi-user approvals; mixed currency and payment types within individual and bulk payment models. Users can review summary information and optionally drill into the detail. They can approve or cancel orders and also monitor the ongoing status of their payments. Payment status is categorised with Red/Amber/Green colour coding. All rejects are clearly flagged, with reason information.

The user SCA credentials are represented by an asymmetric (public/private) key pair, backed by a bank issued X.509 certificate. The private key element resides within and never leaves the Secure Element of the smartphone. The private key is unlocked via the use of either the device’s biometric sensor and/or a PIN. The user’s biometric data also never leaves the smartphone. The SCA proof is represented by an Advanced Electronic Signature (AdES). The SCA proof is dynamically linked to the payment/consent data, plus audit trail and device attestation information. It is verifiable by and sharable between the ASPSP, Third Party Providers (TPP), Personal Services Users (PSU) and a Court of Law.

The following payment formats are fully supported:-

- PAIN.001 v3 - Credit Transfer

- PAIN.008 v2 - Direct Debit