Whenever you try to order food or add a new credit card to your account, you might be prompted to authenticate the transaction with your bank via a pop-up screen. This protocol is part of Strong Customer Authentication, a new regulation for the European Economic Area requesting banks to authenticate digital transactions. This authentication protocol adds an extra layer of security to all your online transactions.
Strong Customer Authentication (SCA) is a European and UK regulatory requirement to decrease fraud and secure online payments. Although the regulatory requirements are applicable to banks that issue credit cards, Uber had to build additional authentication into our checkout flow to complete transactions once Strong Customer Authentication went into effect.
SCA demands extra authentication protocol upon digital transaction with at least one of the following authentication types:
Banks will include some type of extra authentication (like the ones above) to most digital transactions in order to comply with SCA. The extra authentication is set up, controlled and approved by your Bank, not by Uber.
Banks will decline transactions that fail to be authenticated. If you would like to inform yourself about Strong Customer Authentication regulations and requirements, they are set out in the European Banking Authority and European Commission.
SCA—and the authentication protocol that comes with it—is subject to all transactions made with payment methods issued in the European Economic Area (EEA), and transactions made with them in and outside the EEA.
Njia ya kawaida ya kuthibitisha muamala wa mtandaoni inahusisha hatua ya ziada baada ya kulipa, ambapo mwenye kadi anaombwa na benki yake kutoa maelezo ya ziada ili kukamilisha muamala (mfano: nenosiri lililotolewa, msimbo kupitia maandishi, au uthibitisho wa alama za vidole).
Itategemea kiasi/marudio ya muamala na sera ya uthibitishaji ya benki yako. Kwa kawaida, utahitaji kuthibitisha kila wakati unapoongeza au kusasisha njia mpya ya kulipa ya kadi ya mkopo.
Kuthibitisha miamala yako (ikiwezekana) kutapunguza hatari ya ulaghai au aina nyingine za matumizi mabaya. Kila wakati unapoanzisha muamala wa kidijitali, benki yako inaweza kukuuliza uthibitishe ili kuthibitisha ustahiki. Sio shughuli zote zitahitajika kuthibitishwa. Ili kujua zaidi kuhusu wakati na kwa nini uthibitishaji wa ziada unahitajika, wasiliana na benki yako.
Uthibitishaji utatekelezwa na kulindwa na benki yako. Mchakato wa uthibitishaji na aina ya uthibitishaji (maandishi au alama ya vidole, kwa mfano) hauamuliwi wala kumilikiwa na Uber, kwa hivyo ikiwa una maswali yoyote kuhusu usalama, wasiliana na benki yako moja kwa moja.
Uthibitishaji wa hatua 2 ukiwashwa, utakabiliwa na changamoto mbili za usalama kila unapoingia katika akaunti yako ya Uber.
Uthibitishaji Madhubuti wa Mteja ni itifaki ya uthibitishaji isiyo ya hiari, inayolenga kutoa safu ya ziada ya usalama, haswa kwa miamala yako ya kidijitali.
Ndiyo, wakati wowote muamala mpya wa kidijitali unapoanzishwa, unaweza kuombwa uithibitishe.
Chini ya kanuni hii, aina mahususi za malipo ya hatari kidogo zinaweza kuondolewa kwenye Uthibitishaji Madhubuti wa Mteja. Baada ya kufanya miamala, benki yako itatathmini kiwango cha hatari cha muamala, na hatimaye kuamua ikiwa itaidhinisha msamaha huo au kama uthibitishaji bado unahitajika.
Malipo mengine ya kidijitali kama vile PayPal, Apple Pay au pochi ya kidijitali ya Google Pay hayako chini ya itifaki Imara za Uthibitishaji wa Mteja.