Appendix 3: KBA Questions
If you are using Knowledge Based Authentication (KBA), when you set up the KBA credential for a card, you can link to one of the following default security questions, set up in the Thredd database.
|
KBA ID |
KBA Question |
|---|---|
|
1 |
What was your first pet's name? |
|
2 |
What is your maternal grandmother's maiden name? |
|
3 |
What is the name of your favourite childhood friend? |
|
4 |
What was the make of your first car? |
|
5 |
In what city or town did your mother and father meet? |
Language Support for KBA Questions
If you offer your card products in languages other than English, you can provide Thredd with your translated KBA questions. Any additional languages for your card products must also be configured for the relevant BIN/sub-BINs at Apata. Thredd will create a separate KBA ID for your non-English questions. For example:
|
KBA ID |
KBA Question |
Language |
|---|---|---|
|
1 |
What was your first pet's name? |
English |
|
6 |
Quel était le nom de votre premier animal? |
French |
|
7 |
Wat was de naam van je eerste huisdier? |
Dutch |
|
8 |
Wie hieß Ihr erstes Haustier? |
German |
|
9 |
你的第一个宠物叫什么名字？ |
Chinese (Simplified) |
For an example, see Translated KBA Question Example.
KBA Question Examples
Below is a code snippet example, showing the use of the KBA credential in the 3D secure Card enrolment Thredd API or Cards API. For details, see Using the Card Enrolment API.
<hyp:Credentials>
<hyp:Credential>
<hyp:ID>0</hyp:ID>
<hyp:Type>KBA</hyp:Type>
<hyp:Value>4</hyp:Value>
<hyp:KBA_Answer>Skoda</hyp:KBA_Answer>
<hyp:KBA_AnswerOldValue></hyp:KBA_AnswerOldValue>
</hyp:Credential> Notes
Example shows KBA ID with a Value of 4. The answer stored in the Thredd database will be Skoda:
Copy<hyp:Type>KBA</hyp:Type>
<hyp:Value>4</hyp:Value>
<hyp:KBA_Answer>Skoda</hyp:KBA_Answer>
<hyp:KBA_AnswerOldValue></hyp:KBA_AnswerOldValue>
Adding Multiple KBA Questions
If you enrol a card with multiple question and answer pairs, then during the online authentication session Thredd will randomly select questions and pass these questions to Apata in real-time for displaying to the cardholder. The number of questions selected will depend on what has been configured in the KBA number of questions to answer field in the PSF (see Completing your 3DS Product Setup Form > Client Information tab). Below is an example of a credential array, where the card is enrolled with two KBA questions:
<hyp:Credentials>
<hyp:Credential>
<hyp:ID>0</hyp:ID>
<hyp:Type>KBA</hyp:Type>
<hyp:Value>4</hyp:Value>
<hyp:KBA_Answer>Skoda</hyp:KBA_Answer>
<hyp:KBA_AnswerOldValue></hyp:KBA_AnswerOldValue>
<hyp:Credential>
<hyp:ID>0</hyp:ID>
<hyp:Type>KBA</hyp:Type>
<hyp:Value>5</hyp:Value>
<hyp:KBA_Answer>London</hyp:KBA_Answer>
<hyp:KBA_AnswerOldValue></hyp:KBA_AnswerOldValue>
</hyp:Credential> Translated KBA Question Example
Below is an example of a KBA credential for a card where the default language of the card product is French:
<hyp:Credentials>
<hyp:Credential>
<hyp:ID>0</hyp:ID>
<hyp:Type>KBA</hyp:Type>
<hyp:Value>6</hyp:Value>
<hyp:KBA_Answer>Amélie</hyp:KBA_Answer>
<hyp:KBA_AnswerOldValue></hyp:KBA_AnswerOldValue>
</hyp:Credential>