Smart Authentication®, the new way to think authentication
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 OATHcompliant 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)
Through Adaptive Authentication, SA® allows to verify the transaction security and the users identity, guaranteeing that the PSD2 requirements are respected.
Compliance - PSD2
PSD2 is changing the rules of European payment services. Compliance relies on tools capable of managing preemptive risk evaluation, SCA and transaction signing mechanisms using certified algorithms.
Real Time Control
SA® real-time risk monitoring allows the use of mobile devices as strong authentication tools before proceeding with customer identity or intentions evaluation.
SA® is focused on guaranteeing the smoothest user experience while enforcing the optimal level of security for your business.
Modern e-payment systems have very different models (P2P, mobile based, distributed, etc…). Our goal is to provide the most advanced and intelligent risk-based authentication tools giving our customers the smoothest integration with their existing systems (eg. transaction monitoring, anti-fraud engines, etc…).
Artificial Intelligence Driven By Humans
Our intelligence service is a fundamental part of the solution. Our team is continuously researching for new threats and inspecting incidents to maintain SA® risk engine always on the edge.
Effective Threat Detection
Our machine-learning based evaluation engine is designed to produce carefully weighted risk scores minimizing false-positives. This allows our customers to focus on their business while having preemptive threat detection automatically running.
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®?