Complex solutions that combine several software components can be difficult to test. It requires an in-depth understanding of the solution, business flows, and processes, as well as the most appropriate testing methods.
3D Secure Here’s an example of such a solution. The 3D Secure environment has at least four components. ACS, Payment Gateway. This number is up to seven components. Services such as Risk Scoring and Authentication These two are separate from the ACS. Incorporating a Bank system at the core the complexity of the solution can be increased when it is integrated into ACS. You can make things even more complicated. Mobile SDK and In-App Purchase Get involved in the conversation.
3D Secure software components must be tested and approved, i.e. EMVCo. However, some issues can still arise even after certification is granted.
According to our experience, 3DS Testing solutions successfully require that you cover all possible scenarios. This is to ensure the solution’s functionality. When adding new features to the system, it is important that the configuration follows all applicable regulations and protocols. The specific requests of clients for changes can open up errors. You can also have additional problems by being more flexible in your data and message formats. Below are two examples of problematic situations that you might encounter and where production issues have occurred.
There are some problems that can occur when rejected transactions are discovered after the solution is deployed in production. In some cases, however, the solution may not be implemented in production. An element missing in the challenge reply sent by the authentication company The bank being identified is identified. This message is generated via a proprietary authentication protocol module tailored to the issuing banks.
The EMVCo certification regression testing includes a test case like this. It is part ACS2 upgrade. Although the test passed EMVCo certification each bank has the ability to configure the text included in the module. During the EMVCo certificate testing, a dummy authentic module is in use. This module transmits sufficient data to pass. But, the bank had its customized authentication module which contained text that it created. This module was not tested on mobile devices in the internal regression testing of the test environment.
The issue of transaction rejection due to issuing or buying domains (3DSS or ACS) is another. Incorrect or unexpected values in the message flow.
3D Secure environment, stakeholders, and other parties are coming together these days. Every day, 3DS announcements are issued by card schemes. Unexpected behavior could result from a newly introduced value that was not correctly updated or not supported by the other domain. This is common with flows that do not pass through a card scheme directory server (e.g. the challenge flow).
Testing should be part of any domain’s testing to ensure a reliable solution (ACS, 3DS Server). An analysis of behavioral patterns Unregulated boundary scenarios will be dealt with as soon the card scheme announces new fields.
The adoption of new values may not go according to plan.
3D Secure providers regularly work with testing environments to conduct SW updates, interoperability, testing new processes, user experience flows, and another testing. Each of these cases involves a change in the configuration or SW upgrade matter. These changes can impact the environment and the overall process.
It is best to test each 3DS component individually before testing the environment. But, it is important to perform end–to–end testing before migrating the upgrade into production.
End–to–end testing presents particular challenges due to the exponential growth of use cases and test case with new and exclusive business processes. These test cases need to be detailed and defined in test tools. Tools also need to change to support some test cases.
3D Secure service provider banks usually use commercially accessible tools for testing 3DS components. But, end-to-end tests are often done by them, and they usually create their own solutions. In order to move from one-to-many testing to environmental testing, it is necessary for separate testing solutions to be in place. This can lead to additional work and new errors in (re)configuration.
3D Secure is a test solution that can simulate other components besides the device under examination. Let’s simplify it: ACS can be tested using a test tool that affects the 3DS server and Directory servers, as well as sometimes the Payment gateway. Simulators are used to replace them by configuring additional 3DS components, URLs, necessary keys, and other parameters. To quickly switch between modules, these parameters are stored as “testing profiles”.
In conclusion, Easy-to-use test solutions are required for the testing of single 3DS components. They should also be configured to allow for environmental testing, end testing, and UX testing. This solution will save you money on 3DS regular maintenance and upgrade costs, as it minimizes the possibility of errors.
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The 3DS Server provides a functional interface between the Directory Server (DS) and the 3DS Requestor Environment flows. 3DS Server is responsible for gathering necessary data elements for 3-D Secure messages, authenticating the DS, validating the DS, the 3DS SDK, and the 3DS Requestor, safeguarding the message contents. The 3DS Server also helps to protect the message content while it is being transferred to DS and vice versa.
