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he customer can be authenticated without entering an additional password (based on advanced data) - this is an important feature of the new version of the protocol. The authentication process, in which there is no additional interaction with the cardholder, is called Frictionless Flow. The authentication process, in which the cardholder is required to enter an additional verification code, is called the Challenge Flow process.

Also, before authentication using the new protocol, the client’s browser must send an additional request to the ACS of the issuing bank (further we will call it 3DSMethod).