Cardinal Cruise Hybrid Steps

The following steps outline the requirements for integrating CCA into your baseline Cardinal Cruise integration, which was completed by following the steps in the Getting Started With Cardinal Centinel section.

Step 1: JWT Creation
Step 2: Include the Script
Step 3: Configure It
Step 4: Listen for Events
Step 5: Initialize It
Step 6: Include BIN Detection CCA
Step 7: Start Cardinal Consumer Authentication with Lookup Request CCA
Step 8: Handling the Lookup Response CCA
Step 9: Continue with CCA CCA
Step 10: Handling the CCA Response CCA
Step 11: JWT Validation

Flow

The below document outlines the transactional flow to complete a CCA hybrid transaction.

Implementation of Cardinal Cruise Hybrid

The below steps are required to enable CCA with your Cardinal Cruise Hybrid integration. We included sections in addition to Getting Started With Cardinal Centinel for including BIN Detection, running the Lookup Request & Response, Continuing with CCA and listening & processing the response.

DFReferenceId / ReferenceId

When integrating Cardinal Cruise Hybrid method for CCA, it is required to populate the DFReferenceId in the cmpi_lookup request. In order to populate this ID correctly, there are two options available.

Option 1: You can subscribe to the payments.setupComplete callback function and pull the sessionId from the response and use that as your DFReferenceId in the cmpi_lookup request. Note, you will not need to add or populate the ReferenceId claim when generating the JWT.

Option 2: You can generate your own value, add this to the ReferenceId claim when the JWT is generated and pass the same value as your DFReferenceId in the cmpi_lookup request.

Step 7: Start Cardinal Consumer Authentication with Lookup Request 

CCA is initiated by the merchant, typically when the customer clicks 'Place Order" or 'Submit Order' button. Instead of getting a card authorization, you will need to initiate the cmpi_lookup before authorization to our Cardinal Centinel platform. This API call is a backend server-to-server message that will be used to start the CCA transaction.

Please follow the Getting Started and Lookup Request/Response sections for completing your backend integration.

Getting Started

Lookup Request (cmpi_lookup)

Step 8: Handling the Lookup Response 

The Lookup Response will return back an ACSUrl and Payload field, when these fields are populated, you can use these fields to determine if you need to present the authentication session to the consumer.  If you need to present the authentication session, then continue with CCA in Step 9.  

Step 9: Continue with Consumer Authentication

After the Lookup Response is returned, take the ACSUrl, Payload, and TransactionId and include them in the Cardinal.continue function in order to proceed with the authentication session.

The Cardinal.continue will display a modal window and automatically post the consumer's session over to the acs url for authentication.  

Order object in the below example has been shortened for brevity.

Cardinal.continue('cca',
{
    "AcsUrl":"https://testcustomer34.cardinalcommerce.com/merchantacsfrontend/pareq.jsp?vaa=b&gold=AAAAAAAA...AAAAAAA",
    "Payload":"eNpVUk1zgjAQvedXME7PJEFBVdKt1CECeDkVCk2PcfcnNjv8Kr+7tx4nlbGOcz/se6G1uMENPTPeeIz1G37WGEUth7YnpO21TfTvF3wDCBqspQ=="
},
{
    "OrderDetails":{
        "TransactionId" :"123456abc"
        // Add the rest of the Order object
    }
});

Step 10: Handling the CCA Response

Songbird.js will handle all the user interactions up until CCA has returned back the authentication result. The next step in the integration is to add logic to your payements.validated event to handle specific return values for CCA.  The field ActionCode should be used as the primary transaction status indicator. Below are the possible values for ActionCode and what they indicate.

The below example is what you should expect the response JWT to contain on a successful CCA transaction.

{
    "iss": "MidasNoDVKey",
    "iat": 1496955266,
    "exp": 1496962466,
    "jti": "b75eb632-4196-4330-b55f-41669b4938f5",
    "ConsumerSessionId": "88cac5a7-cfd4-467e-9f1c-5874407e44a4",
    "ReferenceId": "88cac5a7-cfd4-467e-9f1c-5874407e44a4",
    "Payload": {
        "Validated": true,
        "Payment": {
            "Type": "CCA",
            "ProcessorTransactionId": "gNs7EBbClOnmQORKDBt0",
            "ExtendedData": {
                "CAVV": "AAABAWFlmQAAAABjRWWZEEFgFz+=",
                "ECIFlag": "05",
                "XID": "Z05zN0VCYkNsT25tUU9SS0RCdDA=",
                "Enrolled": "Y",
                "PAResStatus": "Y",
                "SignatureVerification": "Y"
            }
        },
        "ActionCode": "SUCCESS",
        "ErrorNumber": 0,
        "ErrorDescription": "Success"
    }
}

Alternative Option for Handling the CCA Response

Another option that is available, is to only take the ProcessorTransactionId from the payments.validated response and include that on a backend call to Cardinal Centinel called the cmpi_authenticate request.  Some clients may find this helpful if they have already integrated the Lookup & Authenticate message pair.  

Please follow the Getting Started and Authenticate Request/Response sections for completing your backend integration.

Getting Started

Authenticate Request (cmpi_authenticate)

Step 11: JWT Validation

Once the response JWT is received in the payments.validated event, you will need to send the response JWT to your backend to verify and extract the results. We recommend that any values sent to 3rd parties are sourced from the response JWT after it has been properly validated. 

Please note that each Claim key is case sensitive.

JWT Payload Example

Below is an example of the JSON content of a basic response JWT Payload where we are passing an object within the Payload claim:

{
  "iss": "5b7eb7072f3e7305c029cd39",
  "iat": 1576870062,
  "exp": 1576877262,
  "jti": "0316f090-17af-4c91-b840-94a44fac198c",
  "ConsumerSessionId": "0_00b447b6-9072-4c21-9c7f-09a0d535fc6f",
  "ReferenceId": "0_00b447b6-9072-4c21-9c7f-09a0d535fc6f",
  "aud": "c56797a0-235e-11ea-96b5-9b6c28b8308b",
  "Payload": {
    "Validated": true,
    "Payment": {
      "Type": "CCA",
      "ProcessorTransactionId": "Mbmr4329wVoH43M3w7a0",
      "ExtendedData": {
        "Amount": "1500",
        "CAVV": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
        "CurrencyCode": "840",
        "ECIFlag": "05",
        "ThreeDSVersion": "2.1.0",
        "PAResStatus": "Y",
        "SignatureVerification": "Y"
      }
    },
    "ActionCode": "SUCCESS",
    "ErrorNumber": 0,
    "ErrorDescription": "Success"
  }
}

Below is an example of the JSON content of a basic response JWT Payload where we are passing a string within the Payload claim. This would occur when the request JWT included a ObjectifyPayload flag set to false:

{
  "iss": "Midas-TwoDotOh-Key",
  "iat": 1576870531,
  "exp": 1576877731,
  "jti": "90ecd237-dbfe-447e-a46b-2aa5301d0d5e",
  "ConsumerSessionId": "0_f7b7bce8-dd33-429a-97e4-619595bd27a9",
  "ReferenceId": "0_f7b7bce8-dd33-429a-97e4-619595bd27a9",
  "aud": "8bce4d80-235f-11ea-96b5-9b6c28b8308b",
  "Payload": "{\"Validated\":true,\"Payment\":{\"Type\":\"CCA\",\"ProcessorTransactionId\":\"2VbZqSYOixT20IfxLih0\",\"ExtendedData\":{\"Amount\":\"1500\",\"CAVV\":\"MTIzNDU2Nzg5MDEyMzQ1Njc4OTA\\u003d\",\"CurrencyCode\":\"840\",\"ECIFlag\":\"05\",\"ACSTransactionId\":\"94fa1daf-0d59-45fe-96b3-fa1bc37c7387\",\"DSTransactionId\":\"6373816e-d86a-4e20-b797-79429ad3c92e\",\"ThreeDSServerTransactionId\":\"b0ab6fa5-2ef6-4324-acdf-83d74fa32f9d\",\"ThreeDSVersion\":\"2.1.0\",\"Enrolled\":\"Y\",\"PAResStatus\":\"Y\",\"SignatureVerification\":\"Y\"}},\"ActionCode\":\"SUCCESS\",\"ErrorNumber\":0,\"ErrorDescription\":\"Success\"}"
}

You can begin testing transactions after you have completed the above steps for integrating Cardinal Cruise Standard into your merchant front end environment.