Option 2 - BIN Intelligence API plus JWT
This implementation option allows the integrator to pass the card bin to full card number via a JSON request to Cardinal instead of passing the card bin to card number to the frontend. The benefit of this approach is the ability to pass the card bin to card number server-side from the integrator to Cardinal and never surface this information up to the frontend. However, this uses an additional API call to pass this data between the integrator and Cardinal servers.
Flow:
Integration Steps:
PART 1 - API - Card BIN to Card Number in API (to BIN Intelligence API)
Connecting to the BIN Intelligence API
BIN Intelligence Request Field Names (Card BIN to full Card Number goes into the AccountNumber field)
Handling the BIN Intelligence API Response with ReferenceId
PART 2 - JWT - ReferenceId passed in JWT
Generating an Authentication JWT with ReferenceId
Initiating the DeviceDataCollectionUrl
Handle the Response from the Device Data Collection URL
BINPreloadEnabled flag must be turned ON for a merchant utilizing BIN Intelligence API to successfully initiate the 3DS Method.