Mobile Authentication Solutions
Background
The rapidly emerging information technology and internet technology has enabled banks to extend their business to broader fields and provide more convenient service. Bank business is more and more relying on internet, such as online banking, mobile banking, online transaction system, ATM, POS and etc, therefore how to protect customer’s account from hacker’s attack becomes increasingly important.
Analysis
Currently the main risks faced by online banking, mobile banking and ATM transaction are Phishing site, Trojan, Man in the Middle and ATM peeping password. To protect customers’ account, most banks use authentication token based on USB technology. This device only supports platforms with USB port, such as desktop and laptop, but it cannot be used on those mobile devices which usually do not have USB port. This constraint is hindering the development of mobile banking. Based on this situation, a technology that can provide security service on both PC and mobile platform for customers becomes the new trend inn the information security field.
Solution
With the development of online banking and mobile banking, how to protect account security effectively and provide user-friendly security service with multiple platform support to different kinds of customers has become the key issue. Considering both information security and demands from many different customers and balancing the security and the ease of use, SecuTech has developed innovative products – UniMate with its own technology. Through the digital certificate stored in the UniMate, it can effectively defend attacks from Trojan, Phishing Site; and through digital sign, it can effectively prove the authenticity of the transaction. Many cases prove that UniMate can meet most of authentication demand from bank system.
UniMate is a 2-factor authentication system based on hybrid-interface technology, USB interface and 3.5mm Audio interface, which supports multiple platforms. The integration of third party application with UniMate is very easy by using the API provided by SecuTech. In the real case, by using the API provided by SecuTech, developers can finish integration in 2 days.
