{
  "event_type": "three_ds_authentication.challenge",
  "authentication_object": {
    "account_type": "CREDIT",
    "additional_data": {
      "network_decision": "LOW_RISK",
      "network_risk_score": 0
    },
    "app": {
      "device_info": "string",
      "ip": "string",
      "platform": "string",
      "device": "string",
      "os": "string",
      "locale": "string",
      "time_zone": "string",
      "screen_width": 0,
      "screen_height": 0,
      "latitude": 0,
      "longitude": 0
    },
    "authentication_request_type": "ADD_CARD",
    "authentication_result": "DECLINE",
    "browser": {
      "accept_header": "string",
      "ip": "198.51.100.42",
      "java_enabled": true,
      "javascript_enabled": true,
      "language": "string",
      "time_zone": "string",
      "user_agent": "string"
    },
    "card_expiry_check": "MATCH",
    "card_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "cardholder": {
      "address_match": true,
      "address_on_file_match": "MATCH",
      "billing_address": {
        "address1": "string",
        "address2": "string",
        "address3": "string",
        "city": "string",
        "country": "string",
        "postal_code": "string"
      },
      "email": "string",
      "name": "string",
      "phone_number_home": "string",
      "phone_number_mobile": "string",
      "phone_number_work": "string",
      "shipping_address": {
        "address1": "string",
        "address2": "string",
        "address3": "string",
        "city": "string",
        "country": "string",
        "postal_code": "string"
      }
    },
    "challenge_metadata": {
      "method_type": "SMS_OTP",
      "phone_number": "string",
      "status": "SUCCESS"
    },
    "challenge_orchestrated_by": "LITHIC",
    "channel": "APP_BASED",
    "created": "2026-07-18T00:26:08.838Z",
    "decision_made_by": "LITHIC_RULES",
    "merchant": {
      "country": "string",
      "id": "string",
      "mcc": "string",
      "name": "string",
      "risk_indicator": {
        "delivery_email_address": "string",
        "delivery_time_frame": "ELECTRONIC_DELIVERY",
        "gift_card_amount": 0,
        "gift_card_count": 0,
        "gift_card_currency": "string",
        "order_availability": "FUTURE_AVAILABILITY",
        "pre_order_available_date": "2026-07-18T00:26:08.838Z",
        "reorder_items": "FIRST_TIME_ORDERED",
        "shipping_method": "DIGITAL_GOODS"
      }
    },
    "message_category": "NON_PAYMENT_AUTHENTICATION",
    "three_ds_requestor_challenge_indicator": "NO_PREFERENCE",
    "three_ri_request_type": "ACCOUNT_VERIFICATION",
    "token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "transaction": {
      "amount": 0,
      "cardholder_amount": 0,
      "currency": "string",
      "currency_exponent": 0,
      "date_time": "2026-07-18T00:26:08.838Z",
      "type": "ACCOUNT_FUNDING"
    }
  },
  "challenge": {
    "challenge_method_type": "OUT_OF_BAND",
    "start_time": "2026-07-18T00:26:08.838Z",
    "expiry_time": "2026-07-18T00:26:08.838Z",
    "app_requestor_url": "string"
  }
}