Re: [w3c/3ds] 3DS 2.0 specificities by schema (#1)

@glelouarn Regarding the "Fully generic proposal", I have two questions: 

1. How does the Payment Handler know that it needs to (optionally) request an authentication decision from the Merchant Backend? It seems that this would happen "behind the scenes" (i.e., no need for the Payment Handler to request this).

2. For the authentication flow, is the Payment Handler always involved in talking with the Authentication Provider? It seems that the authentication flow might involve other entities or applications (e.g., SMS message, dedicated 2FA/MFA app).

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