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Google Chrome with new secure payment features




John Leiden September 27, 2021 15:32 UTC Updated: September 27, 2021 15:34 UTC

The new technology is touted as faster and more powerful than alternatives to web-based authentication.

Google has begun bundling new secure payment features with the latest prototype version of the Chrome browser.

The secure payment verification feature built into Chrome 95 Beta hooks into the web authentication API to provide another layer of web-based authentication.

This feature adds a new payment extension to its API, allowing organizations such as banks to optionally provide PublicKeyCredentials. This credential can be queried by a merchant during a payment transaction via the Payment Request API using a secure payment confirmation payment method.

Keep up with the latest authentication-based security news and analytics

Secure payment confirmation enables FIDO-based authentication of web payments.

Users register payment instruments using biometrics on their devices and create FIDO credentials that can be held by payment service providers such as Stripe (Google’s partner in technology testing). This credential can be used in a later transaction to authenticate the user.

You can also use this technology to create signed challenges that include transaction values. According to Google, secure payment confirmation during the trial “provided higher conversion rates and faster authentication times” than the latest version of the 3D Secure authentication flow.

Google’s new secure payment verification technology uses FIDO-based authentication

The authentication approach is comparable to WebAuthn, but is touted as more sophisticated, faster and more secure than alternatives to web-based authentication.

Technology support in Google Chrome is backed by regulatory changes designed to enforce stronger authentication for online payments in many regions, including the European Union.

U2F deprecated

The Chrome 95 Beta, released last week, is ahead of the mainstream release of the latest version scheduled for October 19.

In this release, Chrome’s legacy U2F API for manipulating security keys has been deprecated.

However, the U2F security key itself is not deprecated and will continue to work, Google explains in the release notes. Affected sites should be migrated to the web authentication API.

Chrome 95 Beta also removes support for File Transfer Protocol (FTP) URLs. This is a lesser-used legacy technology that has been superseded by higher-performance FTP clients.

With the removal of browser support for legacy technologies such as FTP, Chrome 95 will also begin supporting access handles for file system access APIs.

According to Google, the introduction of this technology is the first step in a broad plan to integrate the origin private file system of the File System Access API with the Storage Foundation API to reduce the number of entry points for browsers to access file-based storage. is. ..

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