Option 4 - Data Exchange API plus JWT

Data Exchange API provides specific data points on an account number, enabling merchants to make better decisions during a transaction when considering available authentication options.

• Allows the integrator to pass the full account number via a server-side JSON request to Cardinal instead of passing account number on the frontend.

• Provides real-time data prior to authentication to help further inform merchants of the issuer capabilities before executing the transaction.

Flow:

Integration Steps:

1. Cardinal Cruise Account Credentials

2. PART 1 - Data Exchange API

   1. Connecting to the Data Exchange API

   2. Data Exchange Request Field Names

   3. Handling the Data Exchange Response with ReferenceId

3. PART 2 - Cardinal CruiseAPI - ReferenceId passed in JWT

   1. Generating an Authentication JWT with ReferenceId

   2. Initiating the DeviceDataCollectionUrl

   3. Handle the Response from the Device Data Collection URL