App-to-App Integration

Mobile app-to-app integration is the process of interconnecting one app to another app for optimizing and exchanging verified data via API. Triggers in one app drive actions in another; data from one is mapped and transferred to the other.

In the mobility space, Android App LinksClosedAndroid App Links are http URLs that send users to a specific in-app location or relevant webpage. App Links improve the user experience by eliminating the time users otherwise waste on navigating to specific content. Android App Links ensure the user is taken directly to a specific in-app location. In cases where the app is not installed, users can go directly to content on your website by leveraging HTTP URLs and an associated domain. and iOS Universal LinksClosedUniversal Links are standard web links (http://mydomain.com) that point to both a web page and a piece of content inside an app. When a Universal Link is opened, iOS checks to see if any installed app is registered for that domain. If so, the app is launched immediately without ever loading the web page. allow an app to designate itself as the default handler of a given type of link. The benefit is clear: secure and specific point-to-point integration providing a seamless user experience.

Apple introduced Universal Links in iOS 9 as a solution to the lack of graceful fallback functionality in custom URI-scheme deep links. Universal Links are standard web links (http://mydomain.com) that point to both a web page and a piece of content inside an app. When a Universal Link is opened, iOS checks to see if any installed app is registered for that domain. If so, the app is launched immediately without ever loading the web page. If not, the web URL (which can be a simple redirect to the App Store) is loaded in Safari.

The App Link is merely Android's way of turning existing website links into mobile app links as well. Essentially replicating the functionality of Universal Links, if a normal HTTP/HTTPS link is clicked and the corresponding Android app is installed, the app will open immediately. Otherwise, the web link is opened in the default browser on the device if the app is not installed.

This is of crucial importance for compliance with the SCAClosedStrong customer authentication (SCA) is a requirement of the EU Revised Directive on Payment Services (PSD2) on payment service providers within the European Economic Area. The requirement ensures that account access for information and electronic payments is safeguarded by multi-factor authentication. mandate for PSUClosedPayment Services User – an individual person or legal business entity making use of an Open Banking service as a payee, payer or both. consent imposed by PSD2ClosedPSD2 stands for Payment Services Directive 2 and is a new EU regulation in effect since September 14, 2019. It governs electronic and other non-cash payments. The main provision of PSD2 is for Strong Customer Authentication (SCA), a process that seeks to make online payments more secure and reduce fraud while increasing authorisation rates. The European Banking Authority (EBA) recently extended the deadline for PSD2 compliance until December 31, 2020. because it means your users can be seamlessly redirected to their selected bank's official mobile app or web site login page to provide authenticated consent for the requested transaction.

The general idea (pictured above, hover to enlarge) doesn't include enforcing SCA and then securely redirecting the user back to the TPP app to initiate token redemption. The security aspects required for PSD2ClosedPSD2 stands for Payment Services Directive 2 and is a new EU regulation in effect since September 14, 2019. It governs electronic and other non-cash payments. The main provision of PSD2 is for Strong Customer Authentication (SCA), a process that seeks to make online payments more secure and reduce fraud while increasing authorisation rates. The European Banking Authority (EBA) recently extended the deadline for PSD2 compliance until December 31, 2020. compliance require a few more steps, as you'll see in the more detailed discussion of Token's app-to-app redirect feature.

Proceed to the next topic for an overview, followed by Token's stepwise implementation guidance.