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DIRECTORY SERVER

Directory Server is a 3-D Secure compliant directory server responsible for handling request and response authentication messages between merchants and issuers in the interoperability domain of the 3-D Secure authentication process. Directory Server is designed to receive authentication requests for card numbers from merchants, determine if the card numbers are in an enrolled Issuer BIN range, direct a request for cardholder authentication to the appropriate Issuer access control server (ACS) and then respond back to the merchant indicating whether payment authentication is available for the queried card number. To provide this service Directory Server is configured with card ranges with the appropriate Internet address (URL) to specific issuers, who determine cardholder participation in the 3-D Secure program.

DIRECTORY SERVER IN THE 3-D SECURE PROCESS