{"id":5410,"date":"2019-03-19T11:12:56","date_gmt":"2019-03-19T10:12:56","guid":{"rendered":"https:\/\/www.gopay.com\/blog\/?p=5410"},"modified":"2023-08-30T12:56:43","modified_gmt":"2023-08-30T10:56:43","slug":"jakou-zmenu-v-placeni-prinese-3d-secure-2-0","status":"publish","type":"post","link":"https:\/\/www.gopay.com\/blog\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\/","title":{"rendered":"Jakou zm\u011bnu v placen\u00ed p\u0159inese 3D Secure 2.0?"},"content":{"rendered":"<p>U\u017e za 6 m\u011bs\u00edc\u016f, v z\u00e1\u0159\u00ed 2019, vstupuje v platnost povinnost <a href=\"https:\/\/www.gopay.com\/blog\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\/\" target=\"_blank\" rel=\"noopener noreferrer\">siln\u00e9ho ov\u011b\u0159en\u00ed klienta<\/a>, kter\u00e9 vych\u00e1z\u00ed z nov\u00e9 <a href=\"https:\/\/www.gopay.com\/blog\/proc-se-nebat-psd2-a-novych-platebnich-sluzeb\/\" target=\"_blank\" rel=\"noopener noreferrer\">evropsk\u00e9 sm\u011brnice o platebn\u00edm styku PSD2<\/a>.<\/p>\n<p>Znamen\u00e1 to, \u017ee nejen platby zad\u00e1van\u00e9 na internetu, jako nap\u0159. platba kartou apod., ale i p\u0159ihl\u00e1\u0161en\u00ed do internetov\u00e9ho bankovnictv\u00ed, bude muset proj\u00edt <strong>siln\u011bj\u0161\u00edm zp\u016fsobem ov\u011b\u0159en\u00ed<\/strong>, ne\u017e jak jsme dnes zvykl\u00ed.<\/p>\n<p>\u0158e\u0161en\u00ed, jak technicky vyhov\u011bt po\u017eadavk\u016fm siln\u00e9ho ov\u011b\u0159en\u00ed, spo\u010d\u00edv\u00e1 v nov\u00e9 generaci technologie 3D Secure, tzv. <strong>3D Secure 2.0<\/strong>.<\/p>\n<p>Co 3D Secure 2.0 znamen\u00e1 a jakou zm\u011bnu v placen\u00ed p\u0159inese?<\/p>\n<p><!--more--><\/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\"><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\n<h2>Jak prob\u00edh\u00e1 sou\u010dasn\u00e9 ov\u011b\u0159en\u00ed online platby?<\/h2>\n<p>Sou\u010dasn\u00e9 ov\u011b\u0159en\u00ed online plateb prob\u00edh\u00e1 p\u0159es technologii 3D Secure. Jedn\u00e1 se o <strong>t\u0159\u00ed dom\u00e9nov\u00fd<\/strong> (odtud n\u00e1zev 3D) <strong>bezpe\u010dnostn\u00ed protokol<\/strong>, kter\u00fd m\u00e1 za c\u00edl sn\u00ed\u017eit riziko podvodn\u00fdch plateb. Tyto t\u0159i dom\u00e9ny jsou <strong>vydavatel karty<\/strong> (banka, kter\u00e1 vydala kartu z\u00e1kazn\u00edka), <strong>acquirer<\/strong> (zpracovatelsk\u00e1 banka) a <strong>karetn\u00ed asociace<\/strong>. Protokol pou\u017e\u00edv\u00e1 zpr\u00e1vy ve form\u00e1tu XML, kter\u00e9 jsou zas\u00edl\u00e1ny pomoc\u00ed \u0161ifrovan\u00e9 SSL komunikace, kter\u00e1 zaji\u0161\u0165uje pravost obou \u00fa\u010dastn\u00edk\u016f transakce (server a klient) pomoc\u00ed digit\u00e1ln\u00edch certifik\u00e1t\u016f. \u00dadaje o transakci jsou tedy p\u0159ed\u00e1v\u00e1ny v za\u0161ifrovan\u00e9 podob\u011b a nem\u016f\u017ee se k nim dostat ani obchodn\u00edk (e-shop), nato\u017e n\u011bjak\u00fd podvodn\u00edk.<\/p>\n<p>3D Secure p\u016fvodn\u011b vyvinula spole\u010dnost Arcot Systems a poprv\u00e9 jej vyu\u017eila karetn\u00ed asociace Visa v roce <strong>2001<\/strong>. Pot\u00e9 se p\u0159idaly i dal\u0161\u00ed asociace, jako Mastercard, JCB, American Express a dal\u0161\u00ed. Ov\u011b\u0159en\u00ed se vztahuje na&nbsp;<strong>platby debetn\u00edmi a kreditn\u00edmi kartami<\/strong> a je analogi\u00ed k PINu, kter\u00fd zad\u00e1v\u00e1te p\u0159i platb\u00e1ch kartou v offline sv\u011bt\u011b, tedy nap\u0159. kamenn\u00fdch prodejn\u00e1ch.<\/p>\n<h3>Jak komunikace vypad\u00e1 po technick\u00e9 str\u00e1nce?<\/h3>\n<p>Velmi zjednodu\u0161en\u00fd model procesu 3D Secure vypad\u00e1 takto:<\/p>\n<ol>\n<li>Z\u00e1kazn\u00edk zad\u00e1 do rozhran\u00ed platebn\u00ed br\u00e1ny platebn\u00ed \u00fadaje (\u010d\u00edslo karty, datum expirace, CVC k\u00f3d)<\/li>\n<li>Platebn\u00ed br\u00e1na po\u0161le dotaz na ov\u011b\u0159ovac\u00ed server a zept\u00e1 se, jestli je karta zapojen\u00e1 do syst\u00e9mu 3D Secure (zda 3D Secure podporuje vydavatelsk\u00e1 banka)<\/li>\n<li>Ov\u011b\u0159ovac\u00ed server vr\u00e1t\u00ed odpov\u011b\u010f, \u017ee je karta zaregistrov\u00e1na do syst\u00e9mu 3D Secure<\/li>\n<li>Platebn\u00ed br\u00e1na na z\u00e1klad\u011b t\u00e9to odpov\u011bdi p\u0159esm\u011bruje plat\u00edc\u00edho z\u00e1kazn\u00edka na speci\u00e1ln\u00ed str\u00e1nku banky, kde dojde k zad\u00e1n\u00ed k\u00f3du poslan\u00e9ho v SMS na mobiln\u00ed telefon z\u00e1kazn\u00edka<\/li>\n<li>Plat\u00edc\u00ed z\u00e1kazn\u00edk zad\u00e1 k\u00f3d a t\u00edm p\u00e1dem ov\u011b\u0159\u00ed, \u017ee je skute\u010dn\u011b dr\u017eitelem karty<\/li>\n<li>V\u00fdsledek tohoto ov\u011b\u0159en\u00ed je vr\u00e1cen platebn\u00ed br\u00e1n\u011b<\/li>\n<li>Platebn\u00ed br\u00e1na ode\u0161le v\u00fdsledek ov\u011b\u0159en\u00ed acquirerovi, tedy zpracovatelsk\u00e9 bance<\/li>\n<li>Zpracovatelsk\u00e1 banka transakci autorizuje (d\u00edky komunikaci s karetn\u00ed asociac\u00ed a vydavatelskou bankou)<\/li>\n<li>Platebn\u00ed br\u00e1na zobraz\u00ed z\u00e1kazn\u00edkovi v\u00fdsledek platby (zaplaceno, nezaplaceno, atd.)<\/li>\n<\/ol>\n<p>V praxi to znamen\u00e1, \u017ee pot\u00e9, co plat\u00edc\u00ed z\u00e1kazn\u00edk vypln\u00ed platebn\u00ed \u00fadaje do formul\u00e1\u0159e platebn\u00ed br\u00e1ny, p\u0159ijde mu na mobiln\u00ed telefon SMS s <strong>unik\u00e1tn\u00edm \u010d\u00edseln\u00fdm k\u00f3dem<\/strong>. Z\u00e1rove\u0148 jej platebn\u00ed br\u00e1na p\u0159esm\u011bruje na speci\u00e1ln\u00ed str\u00e1nku banky, kde je zapot\u0159eb\u00ed dan\u00fd k\u00f3d zadat. Bez zad\u00e1n\u00ed spr\u00e1vn\u00e9ho k\u00f3du platba neprob\u011bhne.<\/p>\n<h3>3D Secure zvy\u0161uje d\u016fv\u011bryhodnost e-shopu, a nav\u00edc p\u0159en\u00e1\u0161\u00ed odpov\u011bdnost za podvodnou platbu na banku<\/h3>\n<p>E-shop, kter\u00fd platby ov\u011b\u0159en\u00e9 pomoc\u00ed t\u00e9to technologie umo\u017e\u0148uje, p\u016fsob\u00ed na z\u00e1kazn\u00edky mnohem <strong>d\u016fv\u011bryhodn\u011bji<\/strong>. To, \u017ee v e-shopu platba prob\u011bhne v re\u017eimu 3D Secure, z\u00e1kazn\u00edk pozn\u00e1 podle ofici\u00e1ln\u00edch log <em>Verified by Visa<\/em> a <em>Mastercard Secure Code<\/em>. Jako e-shopa\u0159 tedy m\u016f\u017eete tuto informaci komunikovat va\u0161im z\u00e1kazn\u00edk\u016fm a uk\u00e1zat jim, \u017ee se platby kartou opravdu b\u00e1t nemus\u00ed.<\/p>\n<p>Existuje ale je\u0161t\u011b jedna v\u00fdhoda, kterou 3D Secure p\u0159in\u00e1\u0161\u00ed, a tou je tzv. liability shift, tedy <strong>p\u0159enesen\u00ed zodpov\u011bdnosti<\/strong>. Kdyby nedejbo\u017ee k n\u011bjak\u00e9mu podvodu do\u0161lo, odpov\u011bdnost nenesete vy jako\u017eto provozovatel e-shopu, ale vydavatelsk\u00e1 banka.<\/p>\n<h3>Sou\u010dasn\u00e1 podoba 3D Secure brzy nebude sta\u010dit<\/h3>\n<p>I kdy\u017e 3D Secure p\u0159in\u00e1\u0161\u00ed bezpe\u010dn\u011bj\u0161\u00ed placen\u00ed, neobejde se bez ur\u010dit\u00fdch nev\u00fdhod. V sou\u010dasn\u00e9 dob\u011b 3D Secure neum\u00ed nab\u00eddnout odpov\u00eddaj\u00edc\u00ed komfort p\u0159i placen\u00ed na mobilu. P\u0159ece jen \u0159e\u0161en\u00ed bylo navrhnuto p\u0159ed 20 lety, kdy je\u0161t\u011b nikdo nepou\u017e\u00edval chytr\u00fd telefon.<\/p>\n<p>D\u00e1le nen\u00ed schopno vyhov\u011bt po\u017eadavk\u016fm siln\u00e9ho ov\u011b\u0159en\u00ed klienta, se kter\u00fdm p\u0159ich\u00e1z\u00ed evropsk\u00e1 sm\u011brnice <strong>PSD2<\/strong>. Proto <strong>EMVCo<\/strong>, korporace sest\u00e1vaj\u00edc\u00ed z 6 hlavn\u00edch karetn\u00edch asociac\u00ed (Visa, Mastercard, American Express, Discover, UnionPay a JCB) p\u0159ich\u00e1z\u00ed s n\u00e1stupcem v podob\u011b <strong>3D Secure 2.0<\/strong>.<\/p>\n<h2>Co je 3D Secure 2.0?<\/h2>\n<p>3D Secure 2.0 je <strong>nov\u00e1<\/strong> a <strong>modern\u011bj\u0161\u00ed<\/strong> verze st\u00e1vaj\u00edc\u00edho \u0159e\u0161en\u00ed 3D Secure 1. Vyzna\u010duje se p\u0159edev\u0161\u00edm t\u00edm, \u017ee zna\u010dn\u011b roz\u0161i\u0159uje datov\u00fd tok mezi vydavatelskou bankou, platebn\u00ed br\u00e1nou, acquirerem i obchodn\u00edkem. Nov\u011b bude mo\u017en\u00e9 p\u0159i ka\u017ed\u00e9 transakci p\u0159ed\u00e1vat p\u0159es&nbsp;<strong>100 datov\u00fdch jednotek&nbsp;<\/strong>o plat\u00edc\u00edm z\u00e1kazn\u00edkovi. Jedn\u00e1 se nap\u0159\u00edklad o platebn\u00ed historii z\u00e1kazn\u00edka, z jak\u00e9ho za\u0159\u00edzen\u00ed nej\u010dast\u011bji plat\u00ed, v jakou denn\u00ed dobu, atd. P\u0159i ov\u011b\u0159ov\u00e1n\u00ed plateb bude zapojen\u00e1 tak\u00e9 <strong>biometrika<\/strong> a \u0159e\u0161en\u00ed po\u010d\u00edt\u00e1 i s t\u00edm, \u017ee lid\u00e9 dnes plat\u00ed na jin\u00fdch za\u0159\u00edzen\u00edch, ne\u017e jen na stoln\u00edm po\u010d\u00edta\u010di.<\/p>\n<p>V\u00fdjime\u010dnost 3D Secure 2.0 krom\u011b toho spo\u010d\u00edv\u00e1 i v tom, \u017ee <strong>technologicky je schopn\u00e9 naplnit po\u017eadavky siln\u00e9ho ov\u011b\u0159en\u00ed klienta (SCA)<\/strong>.&nbsp;D\u00edky roz\u0161\u00ed\u0159en\u00e9mu mno\u017estv\u00ed dat i mo\u017enostem potvrzen\u00ed plateb pomoc\u00ed biometriky na chytr\u00fdch telefonech a za\u0159\u00edzen\u00edch mohou vzniknout nov\u00e9 platebn\u00ed sc\u00e9n\u00e1\u0159e, kter\u00e9 SCA po\u017eaduje.<\/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\"><strong>Co znamen\u00e1 siln\u00e9 ov\u011b\u0159en\u00ed klienta (SCA)<\/strong>?<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:3px;border-bottom-right-radius:3px\"> Siln\u00e9 ov\u011b\u0159en\u00ed klienta je bezpe\u010dnostn\u00ed mechanismus, kter\u00fd si klade za c\u00edl z\u00e1sadn\u00edm zp\u016fsobem sn\u00ed\u017eit riziko vzniku podvod\u016f v d\u016fsledku zneu\u017eit\u00e9ho hesla, nebo platebn\u00edch \u00fadaj\u016f. SCA spo\u010d\u00edv\u00e1 v pou\u017eit\u00ed kombinace <strong>dvou ze t\u0159\u00ed bezpe\u010dnostn\u00edch faktor\u016f<\/strong>, d\u00edky kter\u00fdm dojde k ov\u011b\u0159en\u00ed identity plat\u00edc\u00edho z\u00e1kazn\u00edka. Bezpe\u010dnostn\u00ed faktory, kter\u00e9 se budou u dvoufaktorov\u00e9ho ov\u011b\u0159en\u00ed vyu\u017e\u00edvat, pat\u0159\u00ed do t\u011bchto kategori\u00ed: <strong>Znalost<\/strong> (heslo, PIN), <strong>Vlastnictv\u00ed<\/strong> (telefon, chytr\u00e9 hodinky), a <strong>Jedine\u010dnost<\/strong> (biologick\u00e9 prvky, jako je otisk prstu, sken duhovky, fotka obli\u010deje). Siln\u00e9 ov\u011b\u0159en\u00ed klienta bude od <strong>14. z\u00e1\u0159\u00ed 2019 povinn\u00e9<\/strong>. <\/div><\/div>\n<h2>Kdy se s 3D Secure 2.0. za\u010dneme potk\u00e1vat v\u0161ude?<\/h2>\n<p>3D Secure 2.0 se postupn\u011b stane <strong>standardem v ov\u011b\u0159ov\u00e1n\u00ed plateb<\/strong> a vytla\u010d\u00ed st\u00e1vaj\u00edc\u00ed 3D Secure 1.0. P\u0159edb\u011b\u017en\u00fd \u010dasov\u00fd pl\u00e1n vypad\u00e1 takto:<\/p>\n<ul>\n<li><strong>Duben 2019<\/strong> &#8211; \u010desk\u00e9 a evropsk\u00e9 banky za\u010d\u00ednaj\u00ed 3D Secure 2.0 podporovat<\/li>\n<li><strong>Z\u00e1\u0159\u00ed 2019<\/strong> &#8211; za\u010d\u00edn\u00e1 platit SCA, tedy siln\u00e9 ov\u011b\u0159en\u00ed klienta se st\u00e1v\u00e1 povinn\u00e9<\/li>\n<li><strong>Rok 2020<\/strong> &#8211; ukon\u010den\u00ed st\u00e1vaj\u00edc\u00edho 3D Secure 1.0, nov\u00e9 3D Secure 2.0 se st\u00e1v\u00e1 b\u011b\u017en\u00fdm standardem<\/li>\n<\/ul>\n<h2>P\u0159inese 3D Secure 2.0 revoluci online placen\u00ed?<\/h2>\n<p>Skute\u010dn\u011b to vypad\u00e1 tak, \u017ee 3D Secure 2.0 p\u0159inese evolu\u010dn\u00ed zm\u011bnu. Jen\u017ee v\u0161echno m\u00e1 sv\u016fj h\u00e1\u010dek.<\/p>\n<p>Zat\u00edm toti\u017e nen\u00ed jasn\u00e9, jak konkr\u00e9tn\u011b by mohlo 3D Secure 2.0 na \u010desk\u00e9m trhu fungovat, aby odpov\u00eddalo p\u0159edstav\u00e1m a v\u00fdkladu regul\u00e1tora, v tomto p\u0159\u00edpad\u011b <strong>\u010cesk\u00e9 n\u00e1rodn\u00ed banky (\u010cNB)<\/strong>. Podle nejstriktn\u011bj\u0161\u00edho v\u00fdkladu se m\u016f\u017ee st\u00e1t, \u017ee siln\u00e9 ov\u011b\u0159ov\u00e1n\u00ed plateb bude sice bezpe\u010dn\u00e9, ale za cenu sn\u00ed\u017een\u00ed komfortu p\u0159i placen\u00ed, co\u017e rozhodn\u011b nen\u00ed v z\u00e1jmu obchodn\u00edk\u016f, ani plat\u00edc\u00edch z\u00e1kazn\u00edk\u016f.<\/p>\n<p>V tuto chv\u00edli se vedou diskuze o tom, do jak\u00e9 konkr\u00e9tn\u00ed kategorie ov\u011b\u0159en\u00ed bude konkr\u00e9tn\u00ed faktor spadat, nebo jak bude fungovat po\u017eadavek na vz\u00e1jemnou nez\u00e1vislost kan\u00e1l\u016f, pomoc\u00ed kter\u00fdch by ov\u011b\u0159en\u00ed m\u011blo prob\u00edhat (mobil, stoln\u00ed po\u010d\u00edta\u010d, chytr\u00e9 hodinky, atd.).<\/p>\n<p>Co u\u017e se ale nyn\u00ed v\u00ed, je to, \u017ee podle v\u00fdkladu \u010cNB <a href=\"https:\/\/www.apek.cz\/clanky\/on-line-platby-se-od-zari-zmeni-co-ceka-e-shopy-a\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>st\u00e1vaj\u00edc\u00ed ov\u011b\u0159en\u00ed p\u0159es SMS k\u00f3d nebude sta\u010dit<\/strong><\/a>. \u010cNB se odvol\u00e1v\u00e1 na <strong>Evropskou bankovn\u00ed asociaci<\/strong> (EBA), kter\u00e1 pokl\u00e1d\u00e1 k\u00f3d zaslan\u00fd p\u0159es SMS za faktor dr\u017een\u00ed, a tak samo do t\u00e9to kategorie za\u0159azuje platebn\u00ed kartu. T\u00edm p\u00e1dem nedoch\u00e1z\u00ed k dvoufaktorov\u00e9 autentizaci a po\u017eadavek na vz\u00e1jemnou nez\u00e1vislost kan\u00e1l\u016f nen\u00ed napln\u011bn.<\/p>\n<h2>Jak tedy bude \u0159e\u0161en\u00ed 3D Secure 2.0 vypadat?<\/h2>\n<p>Ide\u00e1ln\u00ed bude samoz\u0159ejm\u011b takov\u00e9 \u0159e\u0161en\u00ed, <strong>kter\u00e9 bude u\u017eivatelsky p\u0159\u00edjemn\u00e9 a z\u00e1rove\u0148 v souladu s SCA, <\/strong>p\u0159esn\u011bji \u0159e\u010deno s v\u00fdkladem \u010cNB.<\/p>\n<p>Jednodu\u0161\u0161\u00ed, p\u0159\u00edjemn\u011bj\u0161\u00ed a hlavn\u011b bezpe\u010dn\u00e9 placen\u00ed je koneckonc\u016f prioritou i c\u00edlem samotn\u00fdch karetn\u00edch asociac\u00ed, kter\u00e9 stoj\u00ed na vrcholku pomysln\u00e9 pyramidy platebn\u00edho sv\u011bta. <a href=\"https:\/\/newsroom.mastercard.com\/eu\/files\/2018\/08\/Security-Matters-Authentication-under-PSD2-and-SCA-Mastercard-White-Paper2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Mastercard <\/a>p\u0159ipom\u00edn\u00e1, \u017ee SCA m\u016f\u017ee fungovat jen tehdy, pokud bude zkombinovan\u00e9 s tou nejlep\u0161\u00ed u\u017eivatelskou zku\u0161enost\u00ed a \u017ee pohodl\u00ed plat\u00edc\u00edho z\u00e1kazn\u00edka by m\u011blo b\u00fdt na prvn\u00edm m\u00edst\u011b. <a href=\"https:\/\/developer.visa.com\/pages\/visa-3d-secure#\" target=\"_blank\" rel=\"noopener noreferrer\">Visa <\/a>zase ve sv\u00e9m centru pro developery ukazuje p\u0159\u00edklady, jakou cestou se 3DS 2.0 m\u016f\u017ee vydat.<\/p>\n<p><a href=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/3DS-visa.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" class=\"aligncenter wp-image-5423 size-full\" src=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/3DS-visa.png\" alt=\"3d secure 2\" width=\"1730\" height=\"744\" srcset=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/3DS-visa.png 1730w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/3DS-visa-300x129.png 300w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/3DS-visa-768x330.png 768w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/3DS-visa-1024x440.png 1024w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/3DS-visa-610x262.png 610w\" sizes=\"(max-width: 1730px) 100vw, 1730px\" \/><\/a><\/p>\n<p style=\"text-align: right;\"><em>Zdroj: <a href=\"https:\/\/developer.visa.com\/pages\/visa-3d-secure#\" target=\"_blank\" rel=\"noopener noreferrer\">Visa Developer Center<\/a><\/em><\/p>\n<p>Nejjednodu\u0161\u0161\u00ed \u0159e\u0161en\u00ed samoz\u0159ejm\u011b p\u0159inese <strong>biometrika<\/strong>, tedy mo\u017enost, kdy bude mo\u017en\u00e9 identitu z\u00e1kazn\u00edka ov\u011b\u0159it otiskem prstu, fotografi\u00ed obli\u010deje, atd. Probl\u00e9mem je, \u017ee ne ka\u017ed\u00e9 mobiln\u00ed za\u0159\u00edzen\u00ed biometrick\u00e9 prvky podporuje, ale to u\u017e by bylo zase na jinou debatu.<\/p>\n<p>D\u00e1le se hovo\u0159\u00ed tak\u00e9 o <strong>e-PINu<\/strong>, unik\u00e1tn\u00edm \u010d\u00edslem, kter\u00e9 by bylo p\u0159i\u0159azen\u00e9 ke ka\u017ed\u00e9 platebn\u00ed kart\u011b. Jednalo by se o obdobu klasick\u00e9ho PINu s t\u00edm rozd\u00edlem, \u017ee by k\u00f3d byl zad\u00e1v\u00e1n p\u0159i online placen\u00ed. Proto\u017ee e-PIN by znal v\u00fdhradn\u011b u\u017eivatel, byl by t\u00edm p\u00e1dem napln\u011bn faktor Znalosti. Alternativou k faktoru Znalosti by mohly b\u00fdt i zji\u0161\u0165ovac\u00ed ot\u00e1zky typu <em>&#8222;kde jste vyr\u016fstali, co nejrad\u011bji sn\u00edd\u00e1te, apod.&#8220;<\/em> Odpov\u011bdi na tyto ot\u00e1zky by si u\u017eivatel p\u0159edem vyplnil ve sv\u00e9m internetov\u00e9m bankovnictv\u00ed a p\u0159i online placen\u00ed by se mu zobrazila n\u00e1hodn\u011b vybran\u00e1 ot\u00e1zka.<\/p>\n<h2>Jak se k SCA a 3D Secure 2.0 stav\u00edme v GoPay?<\/h2>\n<p>SCA zcela jist\u011b p\u0159inese <strong>\u00fapravu platebn\u00edho procesu<\/strong>. 3DS 2.0 je pro n\u00e1s cestou, jak po\u017eadavk\u016fm SCA dost\u00e1t a zajistit, aby zm\u011bna byla pro koncov\u00e9 z\u00e1kazn\u00edky i e-shopy co nejp\u0159\u00edjemn\u011bj\u0161\u00ed.<\/p>\n<p>Nejjednodu\u0161\u0161\u00ed placen\u00ed bude zejm\u00e9na na t\u011bch za\u0159\u00edzen\u00edch, kter\u00e9 umo\u017e\u0148uj\u00ed pracovat s <strong>biometrick\u00fdmi prvky<\/strong>, jako je otisk prstu, sken obli\u010deje, duhovky, apod. Zaj\u00edmav\u00e9 mo\u017enosti p\u0159in\u00e1\u0161\u00ed i n\u00e1vrh bank na p\u0159id\u011blen\u00ed <strong>unik\u00e1tn\u00edch e-PIN\u016f<\/strong> nebo <strong>dopl\u0148uj\u00edc\u00ed ot\u00e1zky<\/strong>, na kter\u00e9 v\u00ed odpov\u011b\u010f pouze u\u017eivatel.<\/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 class=\"wp-block-paragraph\"><a href=\"https:\/\/www.gopay.com\/blog\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"URL\" data-id=\"https:\/\/www.gopay.com\/blog\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\/\">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 class=\"wp-block-paragraph\"><a href=\"https:\/\/www.gopay.com\/blog\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"URL\" data-id=\"https:\/\/www.gopay.com\/blog\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\/\">Jakou zm\u011bnu v placen\u00ed p\u0159inese 3D Secure 2.0?<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.gopay.com\/blog\/proc-se-nebat-psd2-a-novych-platebnich-sluzeb\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"URL\" data-id=\"https:\/\/www.gopay.com\/blog\/proc-se-nebat-psd2-a-novych-platebnich-sluzeb\/\">Pro\u010d se neb\u00e1t PSD2 a nov\u00fdch platebn\u00edch slu\u017eeb<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>U\u017e za 6 m\u011bs\u00edc\u016f, v z\u00e1\u0159\u00ed 2019, vstupuje v platnost povinnost siln\u00e9ho ov\u011b\u0159en\u00ed klienta, kter\u00e9 vych\u00e1z\u00ed z nov\u00e9 evropsk\u00e9 sm\u011brnice o platebn\u00edm styku PSD2. Znamen\u00e1 to, \u017ee nejen platby zad\u00e1van\u00e9 na internetu, jako nap\u0159. platba kartou apod., ale i p\u0159ihl\u00e1\u0161en\u00ed do internetov\u00e9ho bankovnictv\u00ed, bude muset proj\u00edt siln\u011bj\u0161\u00edm zp\u016fsobem ov\u011b\u0159en\u00ed, ne\u017e jak jsme dnes zvykl\u00ed. \u0158e\u0161en\u00ed,<a class=\"read-more\" href=\"https:\/\/www.gopay.com\/blog\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\/\">\u010c\u00edst d\u00e1le<\/a><\/p>\n","protected":false},"author":8,"featured_media":5450,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"coauthors":[13],"class_list":["post-5410","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 v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Jakou zm\u011bnu v placen\u00ed p\u0159inese 3D Secure 2.0? | GoPay blog<\/title>\n<meta name=\"description\" content=\"U\u017e brzy bude platba kartou online muset proj\u00edt siln\u011bj\u0161\u00edm zp\u016fsobem ov\u011b\u0159en\u00ed, ne\u017e jak jsme dnes zvykl\u00ed. \u0158e\u0161en\u00ed spo\u010d\u00edv\u00e1 v nov\u00e9 generaci technologie 3D Secure, tzv. 3D Secure 2.0. Co 3D Secure 2.0 znamen\u00e1 a jakou zm\u011bnu v placen\u00ed p\u0159inese?\" \/>\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\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jakou zm\u011bnu v placen\u00ed p\u0159inese 3D Secure 2.0? | GoPay blog\" \/>\n<meta property=\"og:description\" content=\"U\u017e brzy bude platba kartou online muset proj\u00edt siln\u011bj\u0161\u00edm zp\u016fsobem ov\u011b\u0159en\u00ed, ne\u017e jak jsme dnes zvykl\u00ed. \u0158e\u0161en\u00ed spo\u010d\u00edv\u00e1 v nov\u00e9 generaci technologie 3D Secure, tzv. 3D Secure 2.0. Co 3D Secure 2.0 znamen\u00e1 a jakou zm\u011bnu v placen\u00ed p\u0159inese?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gopay.com\/blog\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\/\" \/>\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=\"2019-03-19T10:12:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-30T10:56:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/3d-secure-blog-1600-1-text.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1154\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jan Vodi\u010dka\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@janvodicka\" \/>\n<meta name=\"twitter:site\" content=\"@gopaycz\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jan Vodi\u010dka\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minut\" \/>\n\t<meta name=\"twitter:label3\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data3\" content=\"Jan Vodi\u010dka\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\\\/\"},\"author\":{\"name\":\"Jan Vodi\u010dka\",\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/#\\\/schema\\\/person\\\/54c208d22dce2bc3b92ce555f83b3172\"},\"headline\":\"Jakou zm\u011bnu v placen\u00ed p\u0159inese 3D Secure 2.0?\",\"datePublished\":\"2019-03-19T10:12:56+00:00\",\"dateModified\":\"2023-08-30T10:56:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\\\/\"},\"wordCount\":2102,\"commentCount\":4,\"image\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/03\\\/3d-secure-blog-1600-1-text.jpg\",\"articleSection\":[\"Aktuality a novinky GoPay\"],\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.gopay.com\\\/blog\\\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\\\/\",\"url\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\\\/\",\"name\":\"Jakou zm\u011bnu v placen\u00ed p\u0159inese 3D Secure 2.0? | GoPay blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/03\\\/3d-secure-blog-1600-1-text.jpg\",\"datePublished\":\"2019-03-19T10:12:56+00:00\",\"dateModified\":\"2023-08-30T10:56:43+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/#\\\/schema\\\/person\\\/54c208d22dce2bc3b92ce555f83b3172\"},\"description\":\"U\u017e brzy bude platba kartou online muset proj\u00edt siln\u011bj\u0161\u00edm zp\u016fsobem ov\u011b\u0159en\u00ed, ne\u017e jak jsme dnes zvykl\u00ed. \u0158e\u0161en\u00ed spo\u010d\u00edv\u00e1 v nov\u00e9 generaci technologie 3D Secure, tzv. 3D Secure 2.0. 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