{
  "event_type": "three_ds_authentication.created",
  "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": "2026-07-18T00:26:08.222Z",
  "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": "2026-07-18T00:26:08.222Z",
      "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": "2026-07-18T00:26:08.222Z",
    "type": "ACCOUNT_FUNDING"
  }
}