Abstract: Techniques described herein are directed to implementing three-domain secure (3DS) solutions in a software development kit (SDK), and more generally, improving the process of authenticating user transactions in third-party merchant applications. In an example, a user may enroll in the delegated authentication service offered by the authentication service provider as a result of conducting a payment transaction in a first application having the SDK. During a subsequent transaction, initiated in an unassociated second application having the compiled SDK, the user may authenticate the payment method without registering the payment method with the second application and/or by delegating a 3DS authentication to the authentication service provider rather than performing the 3DS authentication with an issuer of the payment method. Additionally, techniques described herein may configure a user device, without access to an internet connection, as a standalone payment instrument.

Abstract: Disclosed are various embodiments for determining eligibility for the delegation exemption to strong customer authentication requirements. In one embodiment, a payee entity determines that a payment transaction using a payment instrument issued by a payment issuer is eligible for a delegation exemption from an authentication challenge by the payment issuer based at least in part on a previous authentication challenge by the payment issuer being successfully completed for a previous payment transaction using the payment instrument and a returned payment history associated with the payment instrument. Subsequently, the payee entity generates an alternative authentication challenge that does not involve the payment issuer instead of the authentication challenge by the payment issuer.

Abstract: Disclosed are various embodiments for user interfaces that differentiate payment instruments having a trusted beneficiary. It is determined that a payee entity has been designated as a trusted beneficiary for a particular payment instrument issued by a particular payment issuer. A user interface is generated that facilitates a user selection of one of a plurality of payment instruments associated with a user account. The plurality of payment instruments include the particular payment instrument. The user interface differentiates the particular payment instrument based at least in part the payee entity being designated as the trusted beneficiary for the particular payment instrument.

Abstract: Disclosed are various embodiments for determining eligibility for the delegation exemption to strong customer authentication requirements. In one embodiment, a payee entity determines that a payment transaction using a payment instrument issued by a payment issuer is eligible for a delegation exemption from an authentication challenge by the payment issuer based at least in part on a previous authentication challenge by the payment issuer being successfully completed for a previous payment transaction using the payment instrument and a returned payment history associated with the payment instrument. Subsequently, the payee entity generates an alternative authentication challenge that does not involve the payment issuer instead of the authentication challenge by the payment issuer.

Abstract: Disclosed are various embodiments for user interfaces that differentiate payment instruments having a trusted beneficiary. It is determined that a payee entity has been designated as a trusted beneficiary for a particular payment instrument issued by a particular payment issuer. A user interface is generated that facilitates a user selection of one of a plurality of payment instruments associated with a user account. The plurality of payment instruments include the particular payment instrument. The user interface differentiates the particular payment instrument based at least in part the payee entity being designated as the trusted beneficiary for the particular payment instrument.