Smart Authentication, the new way to think authentication

Product Overview

Smart Authentication (SA®) is the ultimate solution for customer authentication and transaction signing, based on behavioural and risk based continuous evaluation, designed for innovative e-payment services.

It provides a smart customer authentication and transaction signing based on mobile applications, but also covering the different channels typically offered by modern e-payment providers.

Risk based smart strong authentication solution:

  • User is challenged only when risk scenario is anomalous;
  • Under the hood silent Strong Customer Authentication (SCA) happens continuously;
  • PSD2 and OATH compliant transaction signing capabilities with native SCA integration.

Fed by intelligence services:

  • Preemptive detection of customer targeting threats;
  • Incident response team.
“For electronic remote payment transactions, payment service providers apply strong customer authentication that includes elements which dynamically link the transaction to  a specific amount and a specific payee.” The Payment Services Directive II (PSD2)
Download the SA® product sheet

Key Features

Dynamically Linked SCA

Every authentication quantity is strictly linked to the event data.

Data Channel Based

No manual insertion of quantities to minimize user experience friction.

Complete Set of Rest API

Provisioning, verification and revoking easy through APIs.

Silent Token

No visible challenge, just invisible authentication tokens running on every server interaction.

Active Biometrics

Thank the support for mobile device Active Biometrics features you can unlock your software token using fingerprint or face recognition.

CSP Integration

Fully integrated with the Cognitive Security Platform® for complete psd2 compliance and exception handling.

Who Is Smart Authentication For?

SA® is specifically designed for those e-payment service providers who need

To comply with security requirements of PSD2
To implement innovative e-payment solutions while maintaining high security standards
To protect consumers electronic payments
To detect and to check e-payments via web and mobile channels

How Does Smart Authentication Work?

The solution includes:

  • Mobile SDKs: included in customers apps for mobile threat prevention and continuous silent SCA;
  • Customizable standalone software token app: to achieve standalone SCA and transaction signing;
  • Cloud based risk evaluation engine;
  • Intelligence and incident response services.

Do you want to know more about Smart Authentication?

Contact us