Solutions>ActiveAccess>Multi-Factor Authentication

Multi-factor Authentication

The ActiveAccess Two-Factor Authentication Module provides services for the authentication of users accessing or transacting in a secure online environment.

This authentication service allows banks and financial institutions to provide their end users with a secure mechanism for accessing their eBanking. Supporting a range of devices, ActiveAccess provides an organisation flexibility now and in the future, allowing the deployment of one or many devices simultaneously, from any vendor, by providing an authentication layer which hides the device specific intricacies of the authentication process.

MULTI-FACTOR AUTHENTICATION CHANNELS

mfa channels

Browser

Static password for Verified by Visa, Mastercard SecureCode, American Express SafeKey, JCB J/Secure and Diners Club International ProtectBuy.

CAP COMPLIANT CHIP CARDS AND READERS

EMV/CAP for Mastercard CAP, Visa DPA and JCB J/Smart.

Mobile Phone

Mobile phone through SMS (instant or batch SMS) or mobile phone applets*.

TAN AUTHORISATION NUMBERS (TAN)

Scratch Card, TAN Lists, Printed Card or Bank Statements.

ONE TIME PASSWORD DEVICE

One-time password (OTP) device (various device vendors supported).

FEATURES

Device Sharing

Device Sharing

Return on investment

ActiveAccess provides device sharing, the key factor for the widespread industry adoption of re-usable devices for a multi-factor authentication solution. This allows a device, issued to an end user, to be used for the authentication needs of many organisations, eliminating the need for end users to carry multiple devices. By allowing devices to be shared, organisations that issue devices to end users have the ability to recoup their investment by charging other organisations for access to their devices.

Single Platform for Authentication

Shared services, lower cost

ActiveAccess provides a single platform for authentication, thereby reducing the cost of ownership of multiple solutions for multiple authentication services such as Internet banking, eCommerce and network access. By investing in this solution, institutions can share the cost of ownership across multiple divisions.

Single Platform for Authentication
Vendor Device Independent

Vendor Device Independent

The ActiveAccess multi-factor authentication module is vendor device agnostic, supporting a wide range of authentication devices from device leading vendors. This allows institutions to select their preferred authentication device by weighing up the balance between user preferences and convenience, security and cost. It also allows institutions to upgrade their authentication device without impacting their existing implementation or losing the value of their initial investment.

Device Agnostic

The ActiveAccess multi-factor authentication module is device agnostic, supporting a wide range of authentication devices. This allows a bank to select their preferred authentication device by weighing up the balance between user preferences and convenience, security and cost. It also allows a bank to change their preferred authentication device in the future without impacting their existing implementation or losing the value of their initial investment. Devices can include hardware tokens, mobile phones (applet and SMS), chip cards, biometric devices, TAN lists and software applications.

Device Agnostic
Easy Integration

Easy Integration

To integrate multi-factor authentication into a bank's existing online environment, GPayments provides a simple to install User Authentication Client software (UAC). This software manages the messaging between the Internet banking website and ActiveAccess and verifies digitally signed messages. The integration process is very simple and requires relatively low technical knowledge to complete, further reducing the overall cost of ownership of the solution.

Extensive Reporting and Customer Management

Through the web-based administration application, ActiveAccess provides an extensive set of reports, functions and statistics about customer online authentication activity. Reports are generated over time providing banks with feedback on customer trends and allowing the identification of additional opportunities and service provisions.

Extensive Reporting and Customer Management
Bank Industry Standard Solution

Bank Industry Standard Solution

ActiveAccess was initially developed as a banking solution for online authentication of eCommerce transactions. The solution incorporates bank grade security using hardware security module for secure data encryption and storage. Because of its evolution, ActiveAccess has the level of security expected of this type of Internet security application and required before implementation in banking data centres.