### Represents a 3DS authentication

#### event_type
- **Type**: `const`
- **Enum**: required
- **Description**: The type of event that occurred.
  - Values: `three_ds_authentication.updated`

#### account_type
- **Type**: `string | null`
- **Enum**: required
- **Description**: Type of account/card that is being used for the transaction. Maps to EMV 3DS field `acctType`.
  - Values: `CREDIT`, `DEBIT`, `NOT_APPLICABLE`, `null`

#### additional_data
- **Type**: `object | null`
- **Description**: Object containing additional data about the 3DS request that is beyond the EMV 3DS standard spec.

#### app
- **Type**: `object | null`
- **Description**: Object containing data about the app used in the e-commerce transaction. Present if the channel is 'APP_BASED'.

#### authentication_request_type
- **Type**: `string | null`
- **Enum**: Type of authentication request.
  - Values: `ADD_CARD`, `BILLING_AGREEMENT`, `DELAYED_SHIPMENT`, `EMV_TOKEN`, `CARDHOLDER_VERIFICATION`, `INSTALLMENT_TRANSACTION`, `MAINTAIN_CARD`, `PAYMENT_TRANSACTION`, `RECURRING_TRANSACTIONS`, `SPLIT_PAYMENTS`, `SPLIT_SHIPMENT`, `null`

#### authentication_result
- **Type**: `string`
- **Enum**: required
- **Description**: Indicates the outcome of the 3DS authentication process.
  - Values: `DECLINE`, `SUCCESS`, `PENDING_CHALLENGE`, `PENDING_DECISION`

#### browser
- **Type**: `object | null`
- **Description**: Object containing data about the browser used in the e-commerce transaction. Present if the channel is 'BROWSER'.

#### card_expiry_check
- **Type**: `string`
- **Enum**: required
- **Description**: Indicates whether the expiration date provided matches Lithic's record.
  - Values: `MATCH`, `MISMATCH`, `NOT_PRESENT`

#### card_token
- **Type**: `uuid`
- **Description**: Globally unique identifier for the card on which the 3DS authentication has occurred.

#### cardholder
- **Type**: `object`
- **Description**: Object containing data about the cardholder provided during the transaction.

#### challenge_metadata
- **Type**: `object | null`
- **Description**: Metadata about the challenge method and delivery.

#### challenge_orchestrated_by
- **Type**: `string | null`
- **Enum**: Indicates the entity that orchestrates the challenge.
  - Values: `LITHIC`, `CUSTOMER`, `NO_CHALLENGE`, `null`

#### channel
- **Type**: `string`
- **Enum**: required
- **Description**: Channel in which the authentication occurs.
  - Values: `APP_BASED`, `BROWSER`, `THREE_DS_REQUESTOR_INITIATED`

#### created
- **Type**: `date-time`
- **Description**: Date and time when the authentication was created.
  - Format: yyyy-MM-dd'T'hh:mm:ssZ

#### decision_made_by
- **Type**: `string | null`
- **Enum**: Entity that made the authentication decision.
  - Values: `LITHIC_RULES`, `LITHIC_DEFAULT`, `CUSTOMER_RULES`, `CUSTOMER_ENDPOINT`, `NETWORK`, `UNKNOWN`, `null`

#### merchant
- **Type**: `object`
- **Description**: Object containing data about the merchant involved in the e-commerce transaction.

#### message_category
- **Type**: `string`
- **Enum**: required
- **Description**: Either PAYMENT_AUTHENTICATION or NON_PAYMENT_AUTHENTICATION.
  - Values: `NON_PAYMENT_AUTHENTICATION`, `PAYMENT_AUTHENTICATION`

#### three_ds_requestor_challenge_indicator
- **Type**: `string`
- **Enum**: required
- **Description**: Indicates whether a challenge is requested for this transaction.
  - Values: `NO_PREFERENCE`, `NO_CHALLENGE_REQUESTED`, `CHALLENGE_PREFERENCE`, `CHALLENGE_MANDATE`, `NO_CHALLENGE_RISK_ALREADY_ASSESSED`, `DATA_SHARE_ONLY`, `OTHER`

#### three_ri_request_type
- **Type**: `string | null`
- **Enum**: Type of 3DS Requestor Initiated (3RI) request.
  - Values: `ACCOUNT_VERIFICATION`, `ADD_CARD`, `BILLING_AGREEMENT`, `CARD_SECURITY_CODE_STATUS_CHECK`, `DELAYED_SHIPMENT`, `DEVICE_BINDING_STATUS_CHECK`, `INSTALLMENT_TRANSACTION`, `MAIL_ORDER`, `MAINTAIN_CARD_INFO`, `OTHER_PAYMENT`, `RECURRING_TRANSACTIONS`, `SPLIT_PAYMENTS`, `SPLIT_SHIPMENT`, `TELEPHONE_ORDER`, `TOP_UP`, `TRUST_LIST_STATUS_CHECK`, `null`

#### token
- **Type**: `uuid`
- **Description**: Globally unique identifier for the 3DS authentication.

#### transaction
- **Type**: `object | null`
- **Description**: Object containing data about the e-commerce transaction for which the merchant is requesting authentication.

**Sample Response:**

```json
{
  "event_type": "three_ds_authentication.updated",
  "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": "2026-07-18T00:26:08.153Z",
  "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": "2026-07-18T00:26:08.153Z",
      "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": "2026-07-18T00:26:08.153Z",
    "type": "ACCOUNT_FUNDING"
  }
}
```