Send check onto Visa/Mastercard directory server to check for enrolment
Directory server contacts issuing bank to find out if the card in enrolled
Directory server returns if card is enrolled or not
Check Response
THEBS/XML Server
Process response and pass back to source
Process as normal
N
Y
Enrolment check return result, PAReq message & ACS URL
Use ACS URL to send the PAReq to issuing bank. Include TermURL for bank to post PARes to afterwards
Post back to TermURL as part of PARes message
Process transaction including PARes
Check PARes, Proceed?
Y
N
Password Required
ACS page: to enter password, issuing bank records authentication result
N
Y
Decline Transaction
(Java, THEBS & Xml Servers)
(Drupal)
