{"id":5736,"date":"2019-08-21T15:55:33","date_gmt":"2019-08-21T13:55:33","guid":{"rendered":"https:\/\/www.gopay.com\/blog\/?p=5736"},"modified":"2023-08-30T12:56:15","modified_gmt":"2023-08-30T10:56:15","slug":"prichazi-silna-autentizace-jak-bude-novy-zpusob-overeni-platby-fungovat-v-praxi","status":"publish","type":"post","link":"https:\/\/www.gopay.com\/blog\/prichazi-silna-autentizace-jak-bude-novy-zpusob-overeni-platby-fungovat-v-praxi\/","title":{"rendered":"P\u0159ich\u00e1z\u00ed siln\u00e1 autentizace. Jak bude nov\u00fd zp\u016fsob ov\u011b\u0159en\u00ed platby fungovat v praxi?"},"content":{"rendered":"<p>V z\u00e1\u0159\u00ed 2019 nastane v platebn\u00edm sv\u011bt\u011b dlouho o\u010dek\u00e1van\u00e1 zm\u011bna.<\/p>\n<p>V povinnost vstoup\u00ed tzv. <strong>siln\u00e9 ov\u011b\u0159en\u00ed klienta (SCA)<\/strong>, kter\u00e9 s sebou p\u0159inese zv\u00fd\u0161enou bezpe\u010dnost p\u0159i zad\u00e1v\u00e1n\u00ed plateb na internetu (tedy nap\u0159. p\u0159i <a href=\"https:\/\/www.gopay.com\/blog\/co-je-platba-kartou-online-a-jak-funguje\/\">platb\u011b kartou online<\/a>), ale tak\u00e9 <strong>jin\u00fd zp\u016fsob v ov\u011b\u0159en\u00ed platby<\/strong>, ne\u017e jak jsme zvykl\u00ed dnes.<\/p>\n<p><!--more--><\/p>\n<p>Dosud ov\u011b\u0159en\u00ed platby spo\u010d\u00edvalo v ops\u00e1n\u00ed SMS k\u00f3du. Tento zp\u016fsob v\u0161ak pravd\u011bpodobn\u011b <strong>nebude ve v\u0161ech p\u0159\u00edpadech dostate\u010dn\u00fd<\/strong>, a tak vydavatel\u00e9 karet mus\u00ed p\u0159ij\u00edt s jin\u00fdm.<\/p>\n<p>Jak\u00fd nov\u00fd zp\u016fsob ov\u011b\u0159en\u00ed banky p\u0159iprav\u00ed? A kdy nastanou zm\u011bny v ov\u011b\u0159ov\u00e1n\u00ed plateb?<\/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 pro zaji\u0161t\u011bn\u00ed siln\u00e9ho ov\u011b\u0159en\u00ed plateb jako takov\u00e9ho nemus\u00edte nic implementovat, ani nastavovat<strong>. <\/strong><\/div><\/div>\n<p><span style=\"font-size: inherit;\"><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 10.2.2021 - p\u0159id\u00e1n\u00ed v\u00fdjimky ze siln\u00e9ho ov\u011b\u0159en\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\"><\/span><\/p>\n<\/li>\n<li>Banky budou moct uplatnit v\u00fdjimku ze siln\u00e9ho ov\u011b\u0159en\u00ed plateb. Znamen\u00e1 to, \u017ee platbu, na kterou se bude vztahovat v\u00fdjimka, u\u017eivatel nebude muset ov\u011b\u0159ovat.&nbsp;<\/li>\n<li>Jste provozovatel e-shopu a vyu\u017e\u00edv\u00e1te GoPay? Bude nutn\u00e9, abyste do podzimu 2021 <strong>roz\u0161\u00ed\u0159ili va\u0161i integraci o p\u0159ed\u00e1v\u00e1n\u00ed dal\u0161\u00edch \u00fadaj\u016f<\/strong>, aby se na platby va\u0161ich z\u00e1kazn\u00edk\u016f mohla vztahovat v\u00fdjimka z re\u017eimu siln\u00e9ho ov\u011b\u0159en\u00ed plateb. <\/div><\/div><\/li>\n<\/ul>\n<h2>Co je siln\u00e1 autentizace klienta?<\/h2>\n<p>V polovin\u011b z\u00e1\u0159\u00ed 2019 vstoup\u00ed v platnost tzv. siln\u00e1 autentizace klienta, kter\u00e1 je zn\u00e1m\u00e1 pod zkratkou SCA a o kter\u00e9 jsme podrobn\u011b psali <a href=\"https:\/\/www.gopay.com\/blog\/co-znamena-silne-overeni-klienta-sca-a-proc-se-o-nem-vsude-mluvi\/\">zde<\/a>.<\/p>\n<p>Velmi stru\u010dn\u011b se jedn\u00e1 o to, \u017ee banky budou muset zajistit jin\u00e9, siln\u011bj\u0161\u00ed ov\u011b\u0159en\u00ed identity klienta, a to zejm\u00e9na v situac\u00edch, jako je placen\u00ed na internetu, nebo p\u0159ihl\u00e1\u0161en\u00ed do bankovn\u00ed aplikace.<\/p>\n<p>V sou\u010dasn\u00e9 dob\u011b ov\u011b\u0159en\u00ed platby na internetu prob\u00edh\u00e1 p\u0159es technologii <a href=\"https:\/\/www.gopay.com\/blog\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\/\">3D Secure<\/a>, kdy plat\u00edc\u00ed z\u00e1kazn\u00edk mus\u00ed platbu potvrdit SMS k\u00f3dem. Takov\u00e9 ov\u011b\u0159en\u00ed v\u0161ak p\u0159est\u00e1v\u00e1 vyhovovat nov\u00fdm bezpe\u010dnostn\u00edm standard\u016fm, a proto je t\u0159eba zav\u00e9st nov\u00fd, bezpe\u010dn\u011bj\u0161\u00ed mechanismus.<\/p>\n<h2>Jak\u00e9 zm\u011bny v ov\u011b\u0159en\u00ed plateb se chystaj\u00ed?<\/h2>\n<p>Proto\u017ee od st\u00e1vaj\u00edc\u00edho \u0159e\u0161en\u00ed v podob\u011b opisov\u00e1n\u00ed SMS k\u00f3du banky upust\u00ed, je t\u0159eba nab\u00eddnout jin\u00e9 varianty ov\u011b\u0159en\u00ed platby.&nbsp;<\/p>\n<p>Zjednodu\u0161en\u011b by se dalo \u0159\u00edci, \u017ee zp\u016fsob ov\u011b\u0159en\u00ed platby z\u00e1vis\u00ed na tom, jestli u\u017eivatel vlastn\u00ed chytr\u00fd telefon a m\u00e1 v n\u011bm nainstalovanou aplikaci sv\u00e9ho mobiln\u00edho bankovnictv\u00ed.&nbsp;<\/p>\n<p>Jak nov\u00e9 zp\u016fsoby ov\u011b\u0159en\u00ed tedy budou vypadat?<\/p>\n<h3>Ov\u011b\u0159en\u00ed platby p\u0159es bankovn\u00ed aplikaci<\/h3>\n<p>Z\u00e1kazn\u00edk si na internetu vybere zbo\u017e\u00ed, kter\u00e9 bude cht\u00edt zaplatit kartou. M\u00edsto SMS k\u00f3du bude moct svou identitu ov\u011b\u0159it:<\/p>\n<ul>\n<li>pomoc\u00ed <strong>biometrick\u00fdch<\/strong> prvk\u016f &#8211; otisk prstu, sken obli\u010deje, apod.&nbsp;<\/li>\n<li>v aplikaci <strong>mobiln\u00edho bankovnictv\u00ed<\/strong> &#8211; u\u017eivatel zad\u00e1 heslo, PIN, nebo zodpov\u00ed p\u0159edem nadefinovanou bezpe\u010dnostn\u00ed ot\u00e1zku&nbsp;(podrobn\u011bji jsme psali <a href=\"https:\/\/www.gopay.com\/blog\/jakou-zmenu-v-placeni-prinese-3d-secure-2-0\/\">zde<\/a>).<\/li>\n<\/ul>\n<p>Uk\u00e1zka, jak vypad\u00e1 3D Secure ov\u011b\u0159en\u00ed podle nov\u00fdch standard\u016f v p\u0159\u00edpad\u011b, \u017ee u\u017eivatel m\u00e1 v mobilu nainstalovanou aplikaci mobiln\u00edho bankovnictv\u00ed banky Moneta<\/p>\n<div id=\"attachment_6773\" style=\"width: 294px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" aria-describedby=\"caption-attachment-6773\" class=\"wp-image-6773 size-medium\" src=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2018\/07\/3dsecure_overeni-284x300.png\" alt=\"3d secure ov\u011b\u0159en\u00ed\" width=\"284\" height=\"300\" srcset=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2018\/07\/3dsecure_overeni-284x300.png 284w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2018\/07\/3dsecure_overeni.png 418w\" sizes=\"(max-width: 284px) 100vw, 284px\" \/><p id=\"caption-attachment-6773\" class=\"wp-caption-text\">1. V\u00fdzva k ov\u011b\u0159en\u00ed platby, kter\u00e1 se u\u017eivateli zobraz\u00ed na br\u00e1n\u011b po zad\u00e1n\u00ed \u00fadaj\u016f z karty. Hl\u00e1\u0161ka &#8222;Platbu m\u016f\u017eete tak\u00e9 ov\u011b\u0159it prost\u0159ednictv\u00edm SMS&#8220; se pravd\u011bpodobn\u011b od 1.1.2021 u\u017e zobrazovat nebude<\/p><\/div>\n<div id=\"attachment_6857\" style=\"width: 327px\" class=\"wp-caption alignleft\"><img decoding=\"async\" aria-describedby=\"caption-attachment-6857\" class=\"wp-image-6857\" src=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095947_cz.moneta.smartbanka-512x1024.jpg\" alt=\"3D Secure ov\u011b\u0159en\u00ed\" width=\"317\" height=\"634\" srcset=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095947_cz.moneta.smartbanka-512x1024.jpg 512w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095947_cz.moneta.smartbanka-150x300.jpg 150w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095947_cz.moneta.smartbanka-768x1536.jpg 768w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095947_cz.moneta.smartbanka-1024x2048.jpg 1024w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095947_cz.moneta.smartbanka-540x1080.jpg 540w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095947_cz.moneta.smartbanka-610x1220.jpg 610w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095947_cz.moneta.smartbanka.jpg 1080w\" sizes=\"(max-width: 317px) 100vw, 317px\" \/><p id=\"caption-attachment-6857\" class=\"wp-caption-text\">2. V\u00fdzva k ov\u011b\u0159en\u00ed platby v mobiln\u00edm bankovnictv\u00ed. U\u017eivatel se dozv\u00edd\u00e1, jak\u00fdm zp\u016fsobem bude ov\u011b\u0159en\u00ed prob\u00edhat.<\/p><\/div>\n<div id=\"attachment_6858\" style=\"width: 327px\" class=\"wp-caption alignleft\"><img decoding=\"async\" aria-describedby=\"caption-attachment-6858\" class=\"wp-image-6858\" src=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095956_cz.moneta.smartbanka-512x1024.jpg\" alt=\"3D Secure ov\u011b\u0159en\u00ed\" width=\"317\" height=\"634\" srcset=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095956_cz.moneta.smartbanka-512x1024.jpg 512w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095956_cz.moneta.smartbanka-150x300.jpg 150w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095956_cz.moneta.smartbanka-768x1536.jpg 768w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095956_cz.moneta.smartbanka-1024x2048.jpg 1024w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095956_cz.moneta.smartbanka-540x1080.jpg 540w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095956_cz.moneta.smartbanka-610x1220.jpg 610w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095956_cz.moneta.smartbanka.jpg 1080w\" sizes=\"(max-width: 317px) 100vw, 317px\" \/><p id=\"caption-attachment-6858\" class=\"wp-caption-text\">3. Autorizace platby pomoc\u00ed PINu. V p\u0159\u00edpad\u011b Monety se jedn\u00e1 o PIN, kter\u00fdm se u\u017eivatel p\u0159ihla\u0161uje do mobiln\u00edho bankovnictv\u00ed.<\/p><\/div>\n<div id=\"attachment_6859\" style=\"width: 327px\" class=\"wp-caption alignleft\"><img decoding=\"async\" aria-describedby=\"caption-attachment-6859\" class=\"wp-image-6859\" src=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_100011_cz.moneta.smartbanka-512x1024.jpg\" alt=\"\" width=\"317\" height=\"634\" srcset=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_100011_cz.moneta.smartbanka-512x1024.jpg 512w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_100011_cz.moneta.smartbanka-150x300.jpg 150w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_100011_cz.moneta.smartbanka-768x1536.jpg 768w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_100011_cz.moneta.smartbanka-1024x2048.jpg 1024w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_100011_cz.moneta.smartbanka-540x1080.jpg 540w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_100011_cz.moneta.smartbanka-610x1220.jpg 610w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_100011_cz.moneta.smartbanka.jpg 1080w\" sizes=\"(max-width: 317px) 100vw, 317px\" \/><p id=\"caption-attachment-6859\" class=\"wp-caption-text\">4. V\u00fdsledek \u00fasp\u011b\u0161n\u00e9ho ov\u011b\u0159en\u00ed. U\u017eivatel se vrac\u00ed zp\u011bt na br\u00e1nu a mobiln\u00ed bankovnictv\u00ed m\u016f\u017ee zav\u0159\u00edt.<\/p><\/div>\n<h3>&nbsp;<\/h3>\n<h3>&nbsp;<\/h3>\n<h3>&nbsp;<\/h3>\n<h3>&nbsp;<\/h3>\n<h3>&nbsp;<\/h3>\n<h3>&nbsp;<\/h3>\n<h3>&nbsp;<\/h3>\n<h3>&nbsp;<\/h3>\n<h3>&nbsp;<\/h3>\n<h3>&nbsp;<\/h3>\n<h3>&nbsp;<\/h3>\n<h3>&nbsp;<\/h3>\n<h3>&nbsp;<\/h3>\n<h3>&nbsp;<\/h3>\n<h3>Ov\u011b\u0159en\u00ed platby bez pou\u017eit\u00ed chytr\u00e9ho telefonu nebo aplikace mobiln\u00edho bankovnictv\u00ed<\/h3>\n<p>V\u00fd\u0161e uveden\u00e9 zp\u016fsoby ov\u011b\u0159en\u00ed (biometrika, mobiln\u00ed apka) bude mo\u017en\u00e9 prov\u00e9st pouze na chytr\u00fdch telefonech. P\u0159esto\u017ee <a href=\"https:\/\/newsroom.mastercard.com\/eu\/cs\/press-releases\/mastercard-cesi-ziji-digitalne-mobilem-jich-uz-plati-takrka-tretina-a-desetina-ma-chytre-hodinky\/\">91 % \u010cech\u016f vlastn\u00ed chytr\u00fd telefon<\/a>, najdou se tac\u00ed, kte\u0159\u00ed jej z r\u016fzn\u00fdch d\u016fvod\u016f nevlastn\u00ed nebo nepou\u017e\u00edvaj\u00ed.<\/p>\n<p>Z pr\u016fzkum\u016f nav\u00edc vypl\u00fdv\u00e1, \u017ee aplikaci mobiln\u00edho bankovnictv\u00ed vyu\u017e\u00edv\u00e1 pouze <a href=\"https:\/\/newsroom.mastercard.com\/eu\/cs\/press-releases\/mastercard-cesi-ziji-digitalne-mobilem-jich-uz-plati-takrka-tretina-a-desetina-ma-chytre-hodinky\/\">48 % \u010cech\u016f<\/a>.<\/p>\n<p>Vyvst\u00e1v\u00e1 tedy ot\u00e1zka, jak bude siln\u00e9 ov\u011b\u0159en\u00ed prob\u00edhat u u\u017eivatel\u016f, kte\u0159\u00ed bu\u010f nevlastn\u00ed chytr\u00fd telefon, nebo nepou\u017e\u00edvaj\u00ed slu\u017ebu mobiln\u00edho bankovnictv\u00ed.<\/p>\n<p>Bohu\u017eel, v takov\u00e9m p\u0159\u00edpad\u011b bude ov\u011b\u0159en\u00ed platby slo\u017eit\u011bj\u0161\u00ed (co\u017e jde proti p\u016fvodn\u00ed my\u0161lence cel\u00e9ho projektu, kter\u00fd m\u00e1 za c\u00edl ov\u011b\u0159en\u00ed platby zjednodu\u0161it). U\u017eivatel bude muset zadat <strong>speci\u00e1ln\u00ed PIN<\/strong>, kter\u00fd se bude li\u0161it od b\u011b\u017en\u00e9ho PINu k fyzick\u00e9 platebn\u00ed kart\u011b. Nejen, \u017ee si u\u017eivatel bude muset tento speci\u00e1ln\u00ed PIN pamatovat (ten toti\u017e v \u017e\u00e1dn\u00e9 SMS zpr\u00e1v\u011b nedoraz\u00ed), ale v p\u0159\u00edpad\u011b, \u017ee v jedn\u00e9 f\u00e1zi ov\u011b\u0159en\u00ed ud\u011bl\u00e1 chybu, platba samoz\u0159ejm\u011b neprojde a objedn\u00e1vka t\u00edm p\u00e1dem nebude dokon\u010dena.<\/p>\n<h2>Co se stane, kdy\u017e se u\u017eivateli ov\u011b\u0159en\u00ed platby nepoda\u0159\u00ed?<\/h2>\n<p>Pokud se z\u00e1kazn\u00edkovi z n\u011bjak\u00e9ho d\u016fvodu ov\u011b\u0159en\u00ed platby nepoda\u0159\u00ed, nedojde k dokon\u010den\u00ed platby a t\u00edm p\u00e1dem k zaplacen\u00ed objedn\u00e1vky.&nbsp;<\/p>\n<p>Br\u00e1na v takov\u00e9m p\u0159\u00edpad\u011b z\u00e1kazn\u00edkovi zobraz\u00ed hl\u00e1\u0161ku, \u017ee platba byla zam\u00edtnuta v autoriza\u010dn\u00edm centru banky.&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-6878 size-full\" src=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/zamitnuti.png\" alt=\"zam\u00edtnut\u00ed platby\" width=\"406\" height=\"562\" srcset=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/zamitnuti.png 406w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/zamitnuti-217x300.png 217w\" sizes=\"(max-width: 406px) 100vw, 406px\" \/>Z\u00e1kazn\u00edk bu\u010f m\u016f\u017ee zvolit jinou platebn\u00ed metodu, nebo kontaktovat banku a vy\u017e\u00e1dat si v\u00edce informac\u00ed, pro\u010d k ov\u011b\u0159en\u00ed nedo\u0161lo.&nbsp;<\/p>\n<h2><strong>Kdo o fin\u00e1ln\u00ed podob\u011b siln\u00e9ho ov\u011b\u0159en\u00ed rozhoduje?<\/strong><\/h2>\n<p>Konkr\u00e9tn\u00ed \u0159e\u0161en\u00ed siln\u00e9 autentizace bude z\u00e1le\u017eet na vydavatel\u00edch platebn\u00edch karet, tedy <strong>bank\u00e1ch<\/strong>. GoPay jako\u017eto poskytovatel plateb nem\u00e1 \u017e\u00e1dn\u00fd vliv na to, jak v\u00fdsledn\u00e9 \u0159e\u0161en\u00ed bude vypadat. Platebn\u00ed br\u00e1na pouze z\u00e1kazn\u00edka p\u0159i platb\u011b p\u0159esm\u011bruje na server banky, na kter\u00e9m dojde k ov\u011b\u0159en\u00ed platby.&nbsp;<\/p>\n<p>Jak budou banky ov\u011b\u0159en\u00ed plateb, ukazuje n\u00e1sleduj\u00edc\u00ed tabulka (za lom\u00edtkem je uveden\u00fd zp\u016fsob ov\u011b\u0159en\u00ed, kter\u00fd banka pou\u017eije v p\u0159\u00edpad\u011b, \u017ee klient nem\u00e1 mobiln\u00ed bankovnictv\u00ed).&nbsp;<\/p>\n<div id=\"attachment_6901\" style=\"width: 824px\" class=\"wp-caption alignnone\"><img decoding=\"async\" aria-describedby=\"caption-attachment-6901\" class=\"wp-image-6901 size-full\" src=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/banky_overeni_plateb_3.png\" alt=\"ov\u011b\u0159en\u00ed plateb\" width=\"814\" height=\"737\" srcset=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/banky_overeni_plateb_3.png 814w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/banky_overeni_plateb_3-300x272.png 300w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/banky_overeni_plateb_3-768x695.png 768w, https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/banky_overeni_plateb_3-610x552.png 610w\" sizes=\"(max-width: 814px) 100vw, 814px\" \/><p id=\"caption-attachment-6901\" class=\"wp-caption-text\">Zdroj: <a href=\"https:\/\/www.seznamzpravy.cz\/clanek\/pro-miliony-lidi-budou-nakupy-kartou-pres-internet-od-ledna-slozitejsi-129679#dop_ab_variant=0&amp;dop_req_id=XTUtC9qUhXp-202011160659&amp;dop_source_zone_name=zpravy.sznhp.box&amp;source=hp&amp;seq_no=1&amp;utm_campaign=&amp;utm_medium=z-boxiku&amp;utm_source=www.seznam.cz\">Seznam Zpr\u00e1vy<\/a><\/p><\/div>\n<h2>Budou muset provozovatel\u00e9 e-shop\u016f prov\u00e1d\u011bt n\u011bjak\u00e9 zm\u011bny?<\/h2>\n<p>Ve\u0161ker\u00e9 legislativn\u00ed \u00fakony pl\u00e1nujeme odbavit z na\u0161\u00ed strany, tud\u00ed\u017e jako\u017eto provozovatel e-shopu a obchodn\u00edk GoPay se o legislativn\u00ed z\u00e1le\u017eitosti nebudete muset starat.<\/p>\n<p>Co se t\u00fd\u010de <strong>integrace<\/strong>, pro zaji\u0161t\u011bn\u00ed re\u017eimu siln\u011bj\u0161\u00edho ov\u011b\u0159en\u00ed plateb jako takov\u00e9ho <strong>nebudete muset prov\u00e1d\u011bt \u017e\u00e1dn\u00e9 zm\u011bny<\/strong>, a to ani v p\u0159\u00edpad\u011b, \u017ee nab\u00edz\u00edte <a href=\"https:\/\/www.gopay.com\/blog\/jak-prijimat-platby-pravidelne-a-bez-prace\/\">opakovan\u00e9 platby<\/a>. Pouze budete muset <strong>roz\u0161\u00ed\u0159it va\u0161i integraci o p\u0159ed\u00e1v\u00e1n\u00ed dal\u0161\u00edch \u00fadaj\u016f<\/strong>, aby se na platby va\u0161ich z\u00e1kazn\u00edk\u016f mohla vztahovat v\u00fdjimka z re\u017eimu siln\u00e9ho ov\u011b\u0159en\u00ed plateb.&nbsp;<\/p>\n<\/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>V z\u00e1\u0159\u00ed 2019 nastane v platebn\u00edm sv\u011bt\u011b dlouho o\u010dek\u00e1van\u00e1 zm\u011bna. V povinnost vstoup\u00ed tzv. siln\u00e9 ov\u011b\u0159en\u00ed klienta (SCA), kter\u00e9 s sebou p\u0159inese zv\u00fd\u0161enou bezpe\u010dnost p\u0159i zad\u00e1v\u00e1n\u00ed plateb na internetu (tedy nap\u0159. p\u0159i platb\u011b kartou online), ale tak\u00e9 jin\u00fd zp\u016fsob v ov\u011b\u0159en\u00ed platby, ne\u017e jak jsme zvykl\u00ed dnes.<\/p>\n","protected":false},"author":8,"featured_media":6352,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"coauthors":[13],"class_list":["post-5736","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>P\u0159ich\u00e1z\u00ed siln\u00e1 autentizace. Jak bude nov\u00fd zp\u016fsob ov\u011b\u0159en\u00ed platby fungovat v praxi? | GoPay blog<\/title>\n<meta name=\"description\" content=\"Siln\u00e1 autentizace zm\u011bn\u00ed zp\u016fsob ov\u011b\u0159en\u00ed internetov\u00fdch plateb. Znamen\u00e1 to \u00fapln\u00fd konec p\u0159episov\u00e1n\u00ed SMS k\u00f3du? Ano i ne. P\u0159e\u010dt\u011bte si, jak bude platba kartou online od z\u00e1\u0159\u00ed fungovat.\" \/>\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\/prichazi-silna-autentizace-jak-bude-novy-zpusob-overeni-platby-fungovat-v-praxi\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"P\u0159ich\u00e1z\u00ed siln\u00e1 autentizace. Jak bude nov\u00fd zp\u016fsob ov\u011b\u0159en\u00ed platby fungovat v praxi? | GoPay blog\" \/>\n<meta property=\"og:description\" content=\"Siln\u00e1 autentizace zm\u011bn\u00ed zp\u016fsob ov\u011b\u0159en\u00ed internetov\u00fdch plateb. Znamen\u00e1 to \u00fapln\u00fd konec p\u0159episov\u00e1n\u00ed SMS k\u00f3du? Ano i ne. P\u0159e\u010dt\u011bte si, jak bude platba kartou online od z\u00e1\u0159\u00ed fungovat.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gopay.com\/blog\/prichazi-silna-autentizace-jak-bude-novy-zpusob-overeni-platby-fungovat-v-praxi\/\" \/>\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=\"2019-08-21T13:55:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-30T10:56:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/3dsecure_overeni.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\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=\"7 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\\\/prichazi-silna-autentizace-jak-bude-novy-zpusob-overeni-platby-fungovat-v-praxi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/prichazi-silna-autentizace-jak-bude-novy-zpusob-overeni-platby-fungovat-v-praxi\\\/\"},\"author\":{\"name\":\"Jan Vodi\u010dka\",\"@id\":\"https:\\\/\\\/www.gopay.com\\\/blog\\\/#\\\/schema\\\/person\\\/54c208d22dce2bc3b92ce555f83b3172\"},\"headline\":\"P\u0159ich\u00e1z\u00ed siln\u00e1 autentizace. 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