{"id":5381,"date":"2019-03-07T10:51:29","date_gmt":"2019-03-07T09:51:29","guid":{"rendered":"https:\/\/www.gopay.com\/blog\/?p=5381"},"modified":"2023-08-30T12:56:54","modified_gmt":"2023-08-30T10:56:54","slug":"co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi","status":"publish","type":"post","link":"https:\/\/www.gopay.com\/blog\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\/","title":{"rendered":"Co znamen\u00e1 siln\u00e9 ov\u011b\u0159en\u00ed klienta (SCA) a pro\u010d se o n\u011bm v\u0161ude mluv\u00ed?"},"content":{"rendered":"<p>\u010ceskou e-commerce v roce 2019 \u010dekaj\u00ed zm\u011bny, kter\u00fdm byste m\u011bli v\u011bnovat pozornost.<\/p>\n<p>Jedn\u00e1 se zejm\u00e9na o <a href=\"https:\/\/www.oxyshop.cz\/blog\/jak-velke-zmeny-prijdou-od-zari-v-online-platbach.html\"><strong>zm\u011bnu v ov\u011b\u0159ov\u00e1n\u00ed online plateb<\/strong><\/a>, kam spadaj\u00ed platby kartou online, online bankovn\u00ed tla\u010d\u00edtka, a dal\u0161\u00ed podobn\u00e9 platebn\u00ed metody.<\/p>\n<p>Od <strong>14. z\u00e1\u0159\u00ed<\/strong> <strong>2019<\/strong> budou muset tyto platby prob\u00edhat v re\u017eimu tzv. <strong>siln\u00e9 autentizace<\/strong> (neboli ov\u011b\u0159en\u00ed) <strong>klienta<\/strong>.<\/p>\n<p>O co p\u0159esn\u011b se jedn\u00e1 a jak\u00fd dopad to bude m\u00edt na v\u00e1s, provozovatele e-shop\u016f a dal\u0161\u00edch prodejn\u00edch web\u016f?<\/p>\n<p><!--more--><\/p>\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#016ab5;border-radius:5px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#349DE8;color:#FFFFFF;border-top-left-radius:3px;border-top-right-radius:3px\"><strong>AKTUALIZACE \u010cL\u00c1NKU 31.10.2020 a shrnut\u00ed nejd\u016fle\u017eit\u011bj\u0161\u00edch informac\u00ed:<\/strong><\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:3px;border-bottom-right-radius:3px\">\n<ul>\n<li><strong>Klasick\u00e9 ov\u011b\u0159en\u00ed plateb p\u0159es SMS k\u00f3d kon\u010d\u00ed<\/strong> a od <strong>1.1.2021<\/strong> jej banky nesm\u00ed vy\u017eadovat<\/li>\n<li>M\u00edsto n\u011bj bude u\u017eivatel platbu potvrzovat v chytr\u00e9m telefonu prost\u0159ednictv\u00edm <strong>aplikace mobiln\u00edho bankovnictv\u00ed, <\/strong>pomoc\u00ed <strong>biometrick\u00fdch prvk\u016f, <\/strong>pop\u0159\u00edpad\u011b dal\u0161\u00edch zp\u016fsob\u016f<\/li>\n<li>Pokud u\u017eivatel nevlastn\u00ed chytr\u00fd telefon, nebo nevyu\u017e\u00edv\u00e1 slu\u017eby mobiln\u00edho bankovnictv\u00ed, bude si muset pamatovat <strong>speci\u00e1ln\u00ed PIN<\/strong>, kter\u00fd bude vyu\u017e\u00edvat k autorizaci plateb<\/li>\n<li>O <strong>konkr\u00e9tn\u00ed podob\u011b siln\u00e9ho ov\u011b\u0159en\u00ed rozhoduj\u00ed banky<\/strong>, nikoliv platebn\u00ed br\u00e1na<\/li>\n<li>Platebn\u00ed br\u00e1na <strong>GoPay<\/strong> je u\u017e od <strong>podzimu 2019<\/strong> na siln\u011bj\u0161\u00ed ov\u011b\u0159en\u00ed plateb <strong>technicky p\u0159ipravena<\/strong><\/li>\n<li>Jste provozovatel e-shopu a vyu\u017e\u00edv\u00e1te GoPay? Pak <strong>nemus\u00edte nic implementovat, ani nastavovat<\/strong> &#8211; br\u00e1na v\u0161e za\u0159\u00edd\u00ed za v\u00e1s<\/div><\/div><\/li>\n<\/ul>\n<h2>Co znamen\u00e1 siln\u00e9 ov\u011b\u0159en\u00ed klienta (SCA)?<\/h2>\n<p>Siln\u00e9 ov\u011b\u0159en\u00ed klienta je bezpe\u010dnostn\u00ed mechanismus, kter\u00fd si klade za c\u00edl z\u00e1sadn\u00edm zp\u016fsobem <strong>sn\u00ed\u017eit riziko vzniku podvod\u016f v d\u016fsledku kompromitovan\u00e9ho<\/strong> (unikl\u00e9ho, nebo zneu\u017eit\u00e9ho) <strong>hesla<\/strong>. N\u011bkdy se tak\u00e9 setk\u00e1te s ozna\u010den\u00edm <strong>siln\u00e1 autentizace u\u017eivatele\/z\u00e1kazn\u00edka<\/strong>. V GoPay jej ozna\u010dujeme zkratkou <strong>SCA<\/strong>.<\/p>\n<p>SCA spo\u010d\u00edv\u00e1 v pou\u017eit\u00ed <strong>kombinace dvou ze t\u0159\u00ed bezpe\u010dnostn\u00edch prvk\u016f<\/strong> (faktor\u016f), d\u00edky kter\u00fdm dojde k ov\u011b\u0159en\u00ed platby zad\u00e1van\u00e9 na internetu. Tomuto ov\u011b\u0159en\u00ed \u0159\u00edk\u00e1me odborn\u011b <strong>dvoufaktorov\u00e1 autentizace<\/strong> (zkr\u00e1cen\u011b 2FA).<\/p>\n<p>Bezpe\u010dnostn\u00ed faktory, kter\u00e9 se p\u0159i dvoufaktorov\u00e9 autentizaci kombinuj\u00ed, pat\u0159\u00ed do t\u011bchto kategori\u00ed:<\/p>\n<ul>\n<li><strong>Znalost<\/strong> &#8211; n\u011bco, co u\u017eivatel zn\u00e1, nap\u0159. heslo, PIN, CVV k\u00f3d ze zadn\u00ed strany platebn\u00ed karty<\/li>\n<li><strong>Vlastnictv\u00ed<\/strong> &#8211; n\u011bco, co vlastn\u00ed, nap\u0159. telefon, chytr\u00e9 hodinky<\/li>\n<li><strong>Jedine\u010dnost&nbsp;<\/strong>&#8211; n\u011bco, \u010d\u00edm u\u017eivatel je. Sem pat\u0159\u00ed biologick\u00e9 prvky, nap\u0159. otisk prstu, sken duhovky, fotka obli\u010deje, atd.<\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-5395 size-full\" src=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/stron-aut-ocean.jpg\" alt=\"siln\u00e9 ov\u011b\u0159en\u00ed klienta\" width=\"800\" height=\"400\" srcset=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/stron-aut-ocean.jpg 800w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/stron-aut-ocean-300x150.jpg 300w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/stron-aut-ocean-768x384.jpg 768w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/stron-aut-ocean-610x305.jpg 610w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2>Pro\u010d je siln\u00e9 ov\u011b\u0159en\u00ed klienta t\u0159eba?<\/h2>\n<p>Samotn\u00e1 dvoufaktorov\u00e1 autentizace je metoda pou\u017e\u00edvan\u00e1 u kritick\u00fdch aplikac\u00ed <strong>d\u00e9le ne\u017e 20 let<\/strong>. Zpo\u010d\u00e1tku se k tomuto \u00fa\u010delu vyu\u017e\u00edvala jednoduch\u00e1 hardwarov\u00e1 za\u0159\u00edzen\u00ed (nap\u0159. SecureID tokeny), a\u0165 ji\u017e ve tvaru p\u0159\u00edv\u011bsk\u016f na kl\u00ed\u010de nebo platebn\u00edch karet. Autentizace u t\u011bchto za\u0159\u00edzen\u00ed prob\u00edhala <strong>zad\u00e1n\u00edm PINu<\/strong> nebo <strong>\u0161estim\u00edstn\u00e9ho \u010d\u00edsla<\/strong>, kter\u00e9 bylo zn\u00e1mo pouze u\u017eivateli a kter\u00e9 se periodicky m\u011bnilo na displeji za\u0159\u00edzen\u00ed. T\u00edm se vytvo\u0159il v\u017edy jednozna\u010dn\u00fd a \u010dasov\u011b omezen\u00fd p\u0159\u00edstupov\u00fd k\u00f3d pro proveden\u00ed ur\u010dit\u00e9 operace. To v\u0161ak bylo technologicky i finan\u010dn\u011b n\u00e1ro\u010dn\u00e9 \u0159e\u0161en\u00ed, kter\u00e9 z\u016fstalo vyhrazeno pouze pro \u00fazkou skupinu podnikov\u00fdch aplikac\u00ed a b\u011b\u017en\u00e9 spot\u0159ebitele prakticky nezas\u00e1hlo.<\/p>\n<p>Ur\u010dit\u00fd p\u0159elom v dostupnosti t\u00e9to slu\u017eby pak p\u0159inesl rozvoj mobiln\u00edch technologi\u00ed, kdy mobil dok\u00e1zal odstranit z\u00e1vislost na relativn\u011b drah\u00e9 a jedno\u00fa\u010delov\u00e9 technologii hardwarov\u00fdch token\u016f a umo\u017enil zas\u00edl\u00e1n\u00ed <strong>jednor\u00e1zov\u00fdch p\u0159\u00edstupov\u00fdch k\u00f3d\u016f prost\u0159ednictv\u00edm SMS<\/strong>.<\/p>\n<p>To se sv\u00e9ho \u010dasu uk\u00e1zalo jako spolehliv\u00e9 a p\u0159itom snadno dostupn\u00e9 \u0159e\u0161en\u00ed. Jedn\u00edm kan\u00e1lem (po\u010d\u00edta\u010d) jste se p\u0159ihla\u0161ovali k po\u017eadovan\u00e9 aplikaci sv\u00fdm jm\u00e9nem a heslem a druh\u00fdm nez\u00e1visl\u00fdm kan\u00e1lem (mobil) jste obdr\u017eeli druhou \u010d\u00e1st p\u0159ihla\u0161ovac\u00edch informac\u00ed. Na tomto principu dnes funguje notoricky zn\u00e1m\u00e9 ov\u011b\u0159en\u00ed v syst\u00e9mu <strong>3D Secure p\u0159i platb\u011b kartou online<\/strong>. Pokud by se n\u011bkdo zmocnil va\u0161ich p\u0159ihla\u0161ovac\u00edch \u00fadaj\u016f, byly by mu stejn\u011b k ni\u010demu, proto\u017ee bez znalosti t\u00e9 jedn\u00e9 unik\u00e1tn\u00ed SMSky by p\u0159ihl\u00e1\u0161en\u00ed neprob\u011bhlo. P\u0159\u00edpadn\u00fd \u00fato\u010dn\u00edk by toti\u017e pot\u0159eboval z\u00edskat nejen va\u0161e p\u0159ihla\u0161ovac\u00ed \u00fadaje, ale i v\u00e1\u0161 mobil.<\/p>\n<p>Bohu\u017eel, soumrak t\u00e9to metody nast\u00e1v\u00e1 s <strong>masivn\u00edm rozvojem chytr\u00fdch telefon\u016f<\/strong>. Probl\u00e9m spo\u010d\u00edv\u00e1 v tom, \u017ee tyto telefony umo\u017e\u0148uj\u00ed spu\u0161t\u011bn\u00ed bu\u010f emulovan\u00fdch nebo nativn\u00edch aplikac\u00ed m\u00edsto d\u0159\u00edve pou\u017e\u00edvan\u00e9ho po\u010d\u00edta\u010de, \u010d\u00edm\u017e se ztr\u00e1c\u00ed ona nez\u00e1vislost dvou zabezpe\u010dovac\u00edch kan\u00e1l\u016f&nbsp; &#8211; pokud se kdokoliv p\u0159ihla\u0161uje do aplikace z mobilu a na ten sam\u00fd mobil p\u0159ijde ov\u011b\u0159ovac\u00ed SMSka, m\u00e1 doty\u010dn\u00fd k jej\u00edmu obsahu neomezen\u00fd p\u0159\u00edstup bez ohledu, jestli je opr\u00e1vn\u011bn\u00fd u\u017eivatel nebo ne. Tato forma ov\u011b\u0159en\u00ed pak ztr\u00e1c\u00ed smysl. Nemluv\u011b o rozmachu <a href=\"https:\/\/www.lupa.cz\/aktuality\/dalsi-aplikace-z-google-play-utocila-na-klienty-bank-v-cesku\/\">podvodn\u00fdch aplikac\u00ed<\/a>, kter\u00e9 si u\u017eivatel st\u00e1hne v domn\u011bn\u00ed, \u017ee jsou ne\u0161kodn\u00e9, a ony pak dok\u00e1\u017e\u00ed <strong>ukr\u00e1st p\u0159ihla\u0161ovac\u00ed \u00fadaje<\/strong>, nap\u0159. do bankovn\u00edch aplikac\u00ed.<\/p>\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#016ab5;border-radius:5px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#349DE8;color:#FFFFFF;border-top-left-radius:3px;border-top-right-radius:3px\">Nepou\u017e\u00edvejte stejn\u00e9 heslo do v\u00edce aplikac\u00ed<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:3px;border-bottom-right-radius:3px\"> P\u0159esto\u017ee <a href=\"https:\/\/video.aktualne.cz\/dvtv\/nejcastejsi-heslo-je-porad-123456-proto-smejdi-nakupuji-vasi\/r~ef9d754c24d311e98c840cc47ab5f122\/?redirected=1551793989\">bezpe\u010dnostn\u00ed odborn\u00edci p\u0159ed u\u017e\u00edv\u00e1n\u00edm jednoho hesla do v\u00edce aplikac\u00ed varuj\u00ed<\/a>, st\u00e1le se najdou u\u017eivatel\u00e9, kte\u0159\u00ed t\u011bchto doporu\u010den\u00ed nedbaj\u00ed. Dopady v\u0161ak mohou b\u00fdt fat\u00e1ln\u00ed &#8211; <strong>pomoc\u00ed ukraden\u00e9ho hesla z jedn\u00e9 aplikace se tak mohou \u00fato\u010dn\u00edci pokou\u0161et prolomit p\u0159ihla\u0161ovac\u00ed \u00fadaje v aplikaci zcela nesouvisej\u00edc\u00ed<\/strong>. Schv\u00e1ln\u011b, pou\u017e\u00edv\u00e1te jin\u00e9 heslo na Facebooku, ne\u017e t\u0159eba v internetov\u00e9m bankovnictv\u00ed? Je jasn\u00e9, \u017ee si nejde pamatovat heslo do ka\u017ed\u00e9 aplikace, kterou pou\u017e\u00edv\u00e1te. K takov\u00fdm \u00fa\u010del\u016fm dob\u0159e poslou\u017e\u00ed <strong>spr\u00e1vce hesel<\/strong>. <\/div><\/div>\n<h2>Bude sta\u010dit sou\u010dasn\u00e9 potvrzen\u00ed platby p\u0159es SMSku?<\/h2>\n<p>Ur\u010dit\u011b ne v takov\u00e9 m\u00ed\u0159e, jak se pou\u017e\u00edv\u00e1 dnes. SCA toti\u017e v praxi nar\u00e1\u017e\u00ed na dv\u011b p\u0159ek\u00e1\u017eky &#8211; na shodu v n\u00e1zorech, do jak\u00e9 kategorie konkr\u00e9tn\u00ed faktor spad\u00e1, a za druh\u00e9 na po\u017eadavek na vz\u00e1jemn\u00e9 nez\u00e1vislosti kan\u00e1l\u016f, kter\u00fdmi se jednotliv\u00e9 faktory ov\u011b\u0159uj\u00ed.&nbsp;S t\u00edm, jak se bl\u00ed\u017e\u00ed term\u00edn ostr\u00e9ho spu\u0161t\u011bn\u00ed siln\u00e9 autentizace, se rozpoutala velmi intenzivn\u00ed diskuze. Bohu\u017eel, n\u00e1zorov\u00e9 spektrum je pom\u011brn\u011b \u0161irok\u00e9 a jak u\u017e to v takov\u00fdch p\u0159\u00edpadech b\u00fdv\u00e1, bude pravd\u011bpodobn\u011b muset do v\u011bci vn\u00e9st jasno regul\u00e1tor, v tomto p\u0159\u00edpad\u011b <strong>\u010cNB<\/strong>.<\/p>\n<p>V GoPay se dr\u017e\u00edme v\u00fdkladu, \u017ee <strong>pou\u017eit\u00ed SMS jako faktoru vlastnictv\u00ed (tedy za\u0159\u00edzen\u00ed, kter\u00e9 u\u017eivatel vlastn\u00ed) nen\u00ed v rozporu se silnou autentizac\u00ed, pokud je platba zad\u00e1v\u00e1na na jin\u00e9m za\u0159\u00edzen\u00ed ne\u017e na mobiln\u00edm telefonu, kter\u00fd tuto SMS p\u0159ij\u00edm\u00e1<\/strong>. Zrovna tak nezpochyb\u0148ujeme biometrick\u00e9 faktory, pokud jsou pou\u017eity k ov\u011b\u0159en\u00ed platby a nikoliv jenom k odem\u010den\u00ed telefonu. Probl\u00e9m je, \u017ee na trhu st\u00e1le existuje zna\u010dn\u00e9 mno\u017estv\u00ed mobiln\u00edch telefon\u016f, kter\u00e9 s biometrikou pracovat neum\u00ed, a pro takov\u00e9 p\u0159\u00edpady bude nutn\u00e9 p\u0159ipravit jin\u00e9 \u0159e\u0161en\u00ed pro ov\u011b\u0159en\u00ed zad\u00e1van\u00fdch plateb.<\/p>\n<h2>Jak bude \u0159e\u0161en\u00ed SCA vypadat v praxi?<\/h2>\n<p><span style=\"font-weight: 400;\">Je pochopiteln\u00e9, \u017ee zdlouhav\u00e9 opisov\u00e1n\u00ed \u010d\u00edsel z SMS je z pohledu u\u017eivatele mnohem m\u00e9n\u011b komfortn\u00ed ne\u017e pou\u017eit\u00ed n\u011bkter\u00e9ho faktoru z kategorie Jedine\u010dnost (biologick\u00e9 prvky, jako otisk prstu nebo sken obli\u010deje), zejm\u00e9na v p\u0159\u00edpad\u011b, kdy b\u011bhem jednoho sezen\u00ed m\u016f\u017ee doch\u00e1zet k v\u00edcen\u00e1sobn\u00e9mu proveden\u00ed siln\u00e9 autentizace klienta. Je v\u0161ak nutn\u00e9 si uv\u011bdomit, \u017ee na trhu je st\u00e1le zna\u010dn\u00e9 procento mobiln\u00edch telefon\u016f, kter\u00e9 ov\u011b\u0159en\u00ed pomoc\u00ed otisku prstu nebo skenu obli\u010deje neumo\u017e\u0148uj\u00ed.<\/span><\/p>\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#016ab5;border-radius:5px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#349DE8;color:#FFFFFF;border-top-left-radius:3px;border-top-right-radius:3px\">Mus\u00edm jako provozovatel e-shopu SCA \u0159e\u0161it?<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:3px;border-bottom-right-radius:3px\"> Technologicky zajist\u00edme siln\u011bj\u0161\u00ed ov\u011b\u0159en\u00ed my v GoPay (zejm\u00e9na u plateb kartou), nebo banka z\u00e1kazn\u00edka (online bankovn\u00ed tla\u010d\u00edtka). <strong>Po technick\u00e9 str\u00e1nce tedy SCA \u0159e\u0161it nemus\u00edte<\/strong>. Av\u0161ak m\u011bjte na pam\u011bti, \u017ee umo\u017enit siln\u00e9 ov\u011b\u0159en\u00ed plateb bude <strong>pro e-shopy povinn\u00e9<\/strong>. Proto se v\u010das informujte od sv\u00e9ho poskytovatele platebn\u00ed br\u00e1ny, zda na nov\u00e9m \u0159e\u0161en\u00ed pracuje. Po spu\u0161t\u011bn\u00ed siln\u00e9 autentizace se tak\u00e9 p\u0159ipravte na <strong>v\u011bt\u0161\u00ed mno\u017estv\u00ed dotaz\u016f ze strany plat\u00edc\u00edch z\u00e1kazn\u00edk\u016f<\/strong>, kte\u0159\u00ed na zm\u011bnu v placen\u00ed nebudou p\u0159ipraveni. <\/div><\/div>\n<p><span style=\"font-weight: 400;\">T\u00edm jsme se dotkli dal\u0161\u00edho t\u00e9matu, kter\u00e9 norma pro silnou autentizaci p\u0159in\u00e1\u0161\u00ed. Samotn\u00e1 siln\u00e1 autentizace proveden\u00e1 p\u0159i p\u0159ihl\u00e1\u0161en\u00ed u\u017eivatele do sezen\u00ed (session) toti\u017e nem\u011bn\u00ed nic na po\u017eadavku prov\u00e1d\u011bt silnou autentizaci i p\u0159i dal\u0161\u00edch operac\u00edch v r\u00e1mci tohoto (ji\u017e autentizovan\u00e9ho) sezen\u00ed. Jedn\u00e1 se p\u0159edev\u0161\u00edm o iniciov\u00e1n\u00ed platby nebo vyu\u017e\u00edv\u00e1n\u00ed slu\u017eby informov\u00e1n\u00ed o \u00fa\u010dtu, p\u0159\u00edpadn\u011b p\u0159i \u00fakonech, kter\u00e9 nesou riziko podvodu nebo zneu\u017eit\u00ed, jako je nap\u0159. zm\u011bna hesla.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aby se va\u0161i z\u00e1kazn\u00edci neuheslovali, m\u016f\u017ee v\u00e1\u0161 poskytovatel platebn\u00edch slu\u017eeb (nap\u0159. GoPay) uplatnit <strong>celou \u0159adu v\u00fdjimek z siln\u00e9 autentizace<\/strong>, nap\u0159:<\/span><\/p>\n<ul>\n<li>siln\u00e9 ov\u011b\u0159en\u00ed nebude prob\u00edhat u transakc\u00ed t\u00fdkaj\u00edc\u00edch se men\u0161\u00edch \u010d\u00e1stek, tj. jedna platba nep\u0159evy\u0161uje 30 EUR, po\u010det plateb od posledn\u00edho siln\u00e9ho ov\u011b\u0159en\u00ed nep\u0159es\u00e1hl 5 a kumulovan\u00e1 \u010d\u00e1stka 100 EUR<\/li>\n<li>\u00fahrady mezi \u00fa\u010dty t\u00e9 sam\u00e9 osoby jsou prov\u00e1d\u011bny v r\u00e1mci jednoho pen\u011b\u017en\u00edho \u00fastavu<\/li>\n<li>slu\u017eba informov\u00e1n\u00ed o \u00fa\u010dtu se dotazuje pouze na transakce proveden\u00e9 maxim\u00e1ln\u011b za posledn\u00edch 90 dn\u00ed<\/li>\n<li>jedn\u00e1 se o <a href=\"https:\/\/www.gopay.com\/blog\/jak-prijimat-platby-pravidelne-a-bez-prace\/\">opakovan\u00e9 platby<\/a> stejn\u00e9mu p\u0159\u00edjemci (e-shopu) a ve stejn\u00e9 \u010d\u00e1stce<\/li>\n<li>p\u0159\u00edjemce platby (e-shop) je u\u017eivatelem ozna\u010den\u00fd jako d\u016fv\u011bryhodn\u00fd p\u0159\u00edjemce<\/li>\n<li>transakce je poskytovatelem platebn\u00edch slu\u017eeb (nap\u0159. GoPay) pova\u017eov\u00e1na za transakci s n\u00edzkou m\u00edrou rizika<\/li>\n<li>platebn\u00ed transakce nen\u00ed iniciov\u00e1na pl\u00e1tcem (z\u00e1kazn\u00edk), ale p\u0159\u00edjemcem platby (e-shop)<\/li>\n<\/ul>\n<p><!--more--><\/p>\n<h2>Jak zm\u011bna ovlivn\u00ed placen\u00ed na e-shopech?<\/h2>\n<p>Zejm\u00e9na posledn\u00ed t\u0159i v\u00fdjimky vytv\u00e1\u0159\u00ed dostatek prostoru, abychom vymysleli takov\u00fd zp\u016fsob siln\u00e9ho ov\u011b\u0159en\u00ed, kter\u00e9 bude spl\u0148ovat v\u0161echny n\u00e1le\u017eitosti, ale z\u00e1rove\u0148 bude pro plat\u00edc\u00edho z\u00e1kazn\u00edka <strong>dostate\u010dn\u011b pohodln\u00fd<\/strong>. V \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b nechceme, aby se z\u00e1kazn\u00edci &#8222;uheslovali&#8220;, nebo aby platba online, kter\u00e1 m\u00e1 trvat max. p\u00e1r vte\u0159in, vy\u017eadovala v\u00edce pozornosti nebo \u010dasu.<\/p>\n<p>Konkr\u00e9tn\u00ed \u0159e\u0161en\u00ed zat\u00edm prom\u00fd\u0161l\u00edme a d\u00e1le v\u00e1s budeme pr\u016fb\u011b\u017en\u011b o problematice SCA informovat.<\/p>\n\n\n<h2 class=\"wp-block-heading\">Kde najdete dal\u0161\u00ed informace k siln\u00e9mu ov\u011b\u0159en\u00ed plateb?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.gopay.com\/blog\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\/\" data-type=\"URL\" data-id=\"https:\/\/www.gopay.com\/blog\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\/\" target=\"_blank\" rel=\"noreferrer noopener\">Co znamen\u00e1 siln\u00e9 ov\u011b\u0159en\u00ed klienta a pro\u010d se o n\u011bm v\u0161ude mluv\u00ed?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.gopay.com\/blog\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\/\" data-type=\"URL\" data-id=\"https:\/\/www.gopay.com\/blog\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\/\" target=\"_blank\" rel=\"noreferrer noopener\">Jakou zm\u011bnu v placen\u00ed p\u0159inese 3D Secure 2.0?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.gopay.com\/blog\/proc-se-nebat-psd2-a-novych-platebnich-sluzeb\/\" data-type=\"URL\" data-id=\"https:\/\/www.gopay.com\/blog\/proc-se-nebat-psd2-a-novych-platebnich-sluzeb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pro\u010d se neb\u00e1t PSD2 a nov\u00fdch platebn\u00edch slu\u017eeb<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010ceskou e-commerce v roce 2019 \u010dekaj\u00ed zm\u011bny, kter\u00fdm byste m\u011bli v\u011bnovat pozornost. Jedn\u00e1 se zejm\u00e9na o zm\u011bnu v ov\u011b\u0159ov\u00e1n\u00ed online plateb, kam spadaj\u00ed platby kartou online, online bankovn\u00ed tla\u010d\u00edtka, a dal\u0161\u00ed podobn\u00e9 platebn\u00ed metody. Od 14. z\u00e1\u0159\u00ed 2019 budou muset tyto platby prob\u00edhat v re\u017eimu tzv. siln\u00e9 autentizace (neboli ov\u011b\u0159en\u00ed) klienta. O co p\u0159esn\u011b se<a class=\"read-more\" href=\"https:\/\/www.gopay.com\/blog\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\/\">\u010c\u00edst d\u00e1le<\/a><\/p>\n","protected":false},"author":17,"featured_media":5406,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"coauthors":[23],"class_list":["post-5381","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktuality-novinky-platebni-brana-gopay"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Co znamen\u00e1 siln\u00e9 ov\u011b\u0159en\u00ed klienta (SCA) a pro\u010d se o n\u011bm v\u0161ude mluv\u00ed? | GoPay blog<\/title>\n<meta name=\"description\" content=\"Od 14. z\u00e1\u0159\u00ed budou muset v\u0161echny online platby prob\u00edhat v re\u017eimu siln\u00e9 autentizace (ov\u011b\u0159en\u00ed) klienta. Bude sou\u010dasn\u00e9 ov\u011b\u0159en\u00ed pomoc\u00ed SMS sta\u010dit? O tom se vedou diskuze. Co ale vlastn\u011b siln\u00e9 ov\u011b\u0159en\u00ed klienta znamen\u00e1 a jak\u00fd to bude m\u00edt dopad na v\u00e1s, provozovatele e-shop\u016f?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gopay.com\/blog\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Co znamen\u00e1 siln\u00e9 ov\u011b\u0159en\u00ed klienta (SCA) a pro\u010d se o n\u011bm v\u0161ude mluv\u00ed? | GoPay blog\" \/>\n<meta property=\"og:description\" content=\"Od 14. z\u00e1\u0159\u00ed budou muset v\u0161echny online platby prob\u00edhat v re\u017eimu siln\u00e9 autentizace (ov\u011b\u0159en\u00ed) klienta. Bude sou\u010dasn\u00e9 ov\u011b\u0159en\u00ed pomoc\u00ed SMS sta\u010dit? O tom se vedou diskuze. Co ale vlastn\u011b siln\u00e9 ov\u011b\u0159en\u00ed klienta znamen\u00e1 a jak\u00fd to bude m\u00edt dopad na v\u00e1s, provozovatele e-shop\u016f?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gopay.com\/blog\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\/\" \/>\n<meta property=\"og:site_name\" content=\"GoPay blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gopay.cz\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-07T09:51:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-30T10:56:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/sca3.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1143\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Zbyn\u011bk Eiselt\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@gopaycz\" \/>\n<meta name=\"twitter:site\" content=\"@gopaycz\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Zbyn\u011bk Eiselt\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minut\" \/>\n\t<meta name=\"twitter:label3\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data3\" content=\"Zbyn\u011bk Eiselt\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\\\/\"},\"author\":{\"name\":\"Zbyn\u011bk Eiselt\",\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/#\\\/schema\\\/person\\\/2f1b1c540a13920291b3bf516a9a6276\"},\"headline\":\"Co znamen\u00e1 siln\u00e9 ov\u011b\u0159en\u00ed klienta (SCA) a pro\u010d se o n\u011bm v\u0161ude mluv\u00ed?\",\"datePublished\":\"2019-03-07T09:51:29+00:00\",\"dateModified\":\"2023-08-30T10:56:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\\\/\"},\"wordCount\":1900,\"commentCount\":6,\"image\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/03\\\/sca3.png\",\"articleSection\":[\"Aktuality a novinky GoPay\"],\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.gopay.com\\\/blog\\\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\\\/\",\"url\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\\\/\",\"name\":\"Co znamen\u00e1 siln\u00e9 ov\u011b\u0159en\u00ed klienta (SCA) a pro\u010d se o n\u011bm v\u0161ude mluv\u00ed? | GoPay blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/03\\\/sca3.png\",\"datePublished\":\"2019-03-07T09:51:29+00:00\",\"dateModified\":\"2023-08-30T10:56:54+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/#\\\/schema\\\/person\\\/2f1b1c540a13920291b3bf516a9a6276\"},\"description\":\"Od 14. z\u00e1\u0159\u00ed budou muset v\u0161echny online platby prob\u00edhat v re\u017eimu siln\u00e9 autentizace (ov\u011b\u0159en\u00ed) klienta. 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