EUPSD2SCADataSD1V01

supl.035.001.01

Extends the ATICA message set to address the requirement of the European Banking Authority (EBA) related to the Regulatory Technical Standard (RTS) on Strong Customer Authentication (SCA) imposed by the EU regulation.

Message Construction

Every ISO20022 message has at the highest level what we call ‘building blocks’. Because the message is constructed as immutable records, the association is by composition. Below you can see the relationship between the message and its constituent building blocks: For comparison, see the ISO20022 official specification

classDiagram
     direction LR
%% EUPSD2SCADataSD1V01 recursion level 0 with max 0
EUPSD2SCADataSD1V01 *-- "1..1" StrongCustomerAuthentication1 : StrongCustomerAuthentication

Now, we will zero-in one-by-one on each of these building blocks.

StrongCustomerAuthentication building block

EU PSD2 Strong Consumer Authentication data. EU PSD2 Strong Consumer Authentication data. For comparison, see the ISO20022 official specification

classDiagram
   direction tb
%% StrongCustomerAuthentication1 recursion level 0 with max 1
class StrongCustomerAuthentication1{
    SubjectToSCA IsoTrueFalseIndicator
    DelegatedAuthority AttestationValue1Code
    Waiver AttestationValue1Code
    ReasonAuthenticationNotPerformed IsoMax4Text
}
StrongCustomerAuthentication1 *-- "0..0" Exemption1 : Exemption
%% Exemption1 recursion level 1 with max 1
class Exemption1{
    Type Exemption2Code
    Value AttestationValue1Code
    ReasonNotHonored IsoMax4Text
}

StrongCustomerAuthentication1 members

Member name	Description	Data Type / Multiplicity
SubjectToSCA	Boolean flag indicating whether the transaction is subject to Strong Customer Authentication requirements (True) or not (False).	IsoTrueFalseIndicator - Optional 0..1
Exemption	Strong customer authentication exemption detail.	Exemption1 - Unknown 0..0
DelegatedAuthority	Authentication performed by a delegated authority (for example by a wallet solution).	AttestationValue1Code - Optional 0..1
Waiver	Waiver claimed for a transaction subject to Strong Customer Authentication.	AttestationValue1Code - Optional 0..1
ReasonAuthenticationNotPerformed	Reason why authentication was not performed.	IsoMax4Text - Optional 0..1

Extensibility and generalization considerations

To facilitate generalized design patterns in the system, the EUPSD2SCADataSD1V01 implementation follows a specific implementaiton pattern. First of all, EUPSD2SCADataSD1V01 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, EUPSD2SCADataSD1V01Document implements IOuterDocument. Because EUPSD2SCADataSD1V01 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type EUPSD2SCADataSD1V01.

classDiagram
    class IOuterRecord
    EUPSD2SCADataSD1V01 --|> IOuterRecord : Implements
    EUPSD2SCADataSD1V01Document --|> IOuterDocument~EUPSD2SCADataSD1V01~ : Implements
    class IOuterDocument~EUPSD2SCADataSD1V01~ {
        EUPSD2SCADataSD1V01 Message
     }

Document wrapper for serialization

The only real purpose EUPSD2SCADataSD1V01Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:supl.035.001.01’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using EUPSD2SCADataSD1V01.ToDocument() method. The returned EUPSD2SCADataSD1V01Document value will serialize correctly according to ISO 20022 standards.

classDiagram
    EUPSD2SCADataSD1V01Document *-- EUPSD2SCADataSD1V01 : Document

Sample of message format

This is an abbreviated version of what the message should look like.

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:supl.035.001.01">
    <EUPSD2SCADataSD1>
        <StrngCstmrAuthntcn>
            <!-- StrongCustomerAuthentication inner content -->
        </StrngCstmrAuthntcn>
    </EUPSD2SCADataSD1>
</Document>

Data from ISO specification

This is the technical data from the specification document.

<messageDefinition
  xmi:id="_g7hKgAMdEeujMs2LsB3mMw"
  name="EUPSD2SCADataSD1V01"
  definition="Extends the ATICA message set to address the requirement of the European Banking Authority (EBA) related to the Regulatory Technical Standard (RTS) on Strong Customer Authentication (SCA) imposed by the EU regulation."
  registrationStatus="Registered"
  messageSet="_QB0RcDy5EeO-tdK14jsZag"
  xmlTag="EUPSD2SCADataSD1"
  rootElement="Document"
  xmlns:xmi="http://www.omg.org/XMI">
  <messageBuildingBlock
    xmi:id="_dWMeEAMnEeubkNI1IXQTVQ"
    name="StrongCustomerAuthentication"
    definition="EU PSD2 Strong Consumer Authentication data."
    registrationStatus="Provisionally Registered"
    maxOccurs="1"
    minOccurs="1"
    xmlTag="StrngCstmrAuthntcn"
    complexType="_umTNkAMfEeujMs2LsB3mMw" />
  <messageDefinitionIdentifier
    businessArea="supl"
    messageFunctionality="035"
    flavour="001"
    version="01" />
</messageDefinition>

ISO Building Blocks

The following items are used as building blocks to construct this message.