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Multifactor Authentication™


Identify authentication for online transactions

Multifactor Authentication, offered through a strategic partnership with RSA, protects bank customers from online predators by requiring multiple pieces of information to validate identity while supporting compliance with regulatory requirements and FFIEC recommendations. This state-of-the-art security solution deters predators who commit fraud and identity theft by exploiting single-factor authentication – which uses only one piece of information, such as a password – to validate identity. Multifactor Authentication automatically monitors accounts for unusual activity based on account history and requires customers to verify their identities by answering pre-selected challenge questions if unusual activity is detected. An optional module allows customers to select from a library of images that can be displayed upon log-in to further verify that they are connected to a bank’s legitimate website rather than a fraudulent copycat site.

This solution is available to banks automated by the SilverLake System®, CIF 20/20®, and Core Director® platforms.

What It Does

  • Builds a profile for each customer that includes device IDs, IP address, transaction types and dollar amounts.
  • Is invisible to more than 99 percent of customers and only visible during risky and fraudulent transactions (less than one percent of all cases).
  • Requires no downloading of software or buying any hardware, for customers.
  • Invokes additional authentication for risky transactions only by either using a challenge response or an out-of-band, near-real-time automated telephone call.
  • Provides customers with a "cookieless" personalized watermark graphic when they correctly access the bank’s legitimate Web site.
  • Allows the customer to select from a library of tens of thousands of unique images.
  • Requires the customer to verify the image before completing the Internet banking site login.

What It Does For You

  • Ensures that an Internet fraudster cannot access customer data using stolen credentials.
  • Provides a cost-effective, secure and consumer-friendly alternative to tokens.
  • Provides invisible security to customers as they transact online banking.
  • Instills confidence and trust in online banking customers.
  • Provides Internet banking customers with a consistent and simple online experience.
  • Offers powerful security behinds the scenes.
  • Enables banks to proactively protect themselves and their customers from Internet fraud and the related financial losses.
  • Complies with the related regulatory requirements.
     
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  • Product Briefs
    Multifactor Authetication Product Brief

    Multifactor authentication™ derives its name from the concept that a customer can be identified by multiple, separate factors: something he/she knows, something he/she has, and something he/she is. Multifactor authentication uses these factors to verify customers’ identities when they conduct online financial transactions.
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Jack Henry & Associates, Inc. ®