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Intelligent Adaptive Authentication Features

Drive down fraud, improve the customer experience, and meet compliance requirements with Intelligent Adaptive Authentication

Intelligent Adaptive Authentication

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    OPTIMIZE THE CUSTOMER EXPERIENCE

    Authentication Orchestration

    OneSpan’s orchestration technology manages multiple authentication methods across digital channels, all driven by an accurate risk score. This ensures the right level of security and an optimal user experience.

    Convenient Biometric Methods

    Deploy better alternatives to weak and clunky passwords with biometric options, including fingerprint, facial recognition, and advanced behavioral biometrics to boost user experience and reduce fraud.

    Trusted Device Recognition 

    OneSpan’s Intelligent Adaptive Authentication assesses a variety of mobile data points related to device and mobile app integrity to determine the level of trust. This data is used to simplify future access and ensure a seamless customer experience.

    Strong Out-of-band Security 

    The OneSpan Intelligent Adaptive Authentication solution supports secure out-of-band authentication options like user-friendly SMS and push authentication and patented visual cryptograms for transaction data signing. These use separate authentication channels to better protect against Man-in-the-middle attacks.

     

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    REDUCE ACCOUNT TAKEOVER FRAUD

    Real-time Fraud Detection 

    At the heart of the OneSpan Intelligent Adaptive Authentication solution is a powerful risk engine that leverages machine learning to extract and score a vast amount of disparate data in real time. This results in highly accurate risk scores that better detect and prevent ATO fraud.

    Customized Rules and Models

    OneSpan’s Intelligent Adaptive Authentication uses both customizable rule sets and predictive models. These are tuned and optimized to identify all common fraud types and, as a result, are exceptionally effective at stopping ATO and other fraud.

    Multi Factor Authentication

    Sophisticated phishing attacks and weak passwords are fueling fraud by cybercriminals. The OneSpan Intelligent Adaptive Authentication solution leverages extensive MFA options like biometrics, SMS authentication, and push authentication to better protect user and account data.

     

     

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    Meet Strict Regulations Faster

    Pre-configured Rule Sets

    Our solution leverages pre-configured rule sets and models for strict regulations like PSD2. These are based on decades of banking industry expertise and support even the most aggressive compliance timelines.

    Strong Customer Authentication

    The OneSpan Intelligent Adaptive Authentication solution supports all three elements of Strong Customer Authentication (SCA), including password/PIN, mobile and hardware devices, and biometrics as a single integrated solution.
     

    Transaction Monitoring

    OneSpan’s Intelligent Adaptive Authentication continuously monitors the user, device, and transaction across web and mobile channels to identify anomalous patterns which indicate a higher propensity for fraud. This approach exceeds the strictest compliance requirements.

     

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    Easily Leverage New Fraud Tools

    Open Platform Architecture

    Intelligent Adaptive Authentication is powered by the OneSpan Trusted Identity Platform. This is a cloud-based, open-architected platform designed to optimize an extensive list of integrated technologies.

    Seamless Third-party Integrations

    OneSpan’s Intelligent Adaptive Authentication leverages powerful risk analytics, MFA, and mobile security technology. It also has the ability to seamlessly integrate with new fraud platforms via a simple API connection.

    Simple Authentication Updates

    Client-side and server-side orchestration along with an intuitive management interface enables authentication methods to be changed at any time and pushed out to large user populations with no application code changes.

    Strong Partner Innovations

    Strategic technology partner relationships ensure rapid integration of new fraud tools and capabilities designed to stay ahead of sophisticated fraud schemes.

     

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    Eliminate Weak Static Passwords

    Convenient Biometric Methods

    Deploy better alternatives to weak and clunky passwords with biometric options, including fingerprint, facial recognition, and advanced behavioral biometrics to boost user experience and reduce fraud.

    Seamless Authentication Migration

    OneSpan’s Intelligent Adaptive Authentication supports a wide variety of authentication methods, from traditional PIN and password to out-of-band and modern biometrics. This ensures a quick and seamless migration experience.

    Secure Out-of-band Security

    Our solution supports secure out-of-band authentication options like user-friendly SMS and push authentication, and patented visual cryptograms for transaction data signing. These use separate authentication channels to better protect against Man-in-the-middle attacks.

    Authentication Orchestration

    OneSpan’s orchestration technology manages multiple authentication methods across digital channels, all driven by an accurate risk score. This ensures the right level of security and optimal user experience.

     

  • Mobile security app

    Increase Mobile Channel Trust

    Detect Vulnerable Devices

    Jailbroken or rooted mobile devices are at greater risk of being compromised due to removal of important application download restrictions. OneSpan’s Intelligent Adaptive Authentication identifies this vulnerability and applies appropriate security measures to dramatically reduce risk.

    Secure Communication Channel

    Our solution leverages end-to-end encryption, supporting the highest level of security between the server and mobile device exchanges, including authentication credentials, to fully protect all user and transaction data.

    Link Users to Trusted Devices 

    Device binding enables users to securely transact on trusted devices without repetitive authentication challenges. This is done through continuous verification of the trusted device (which has been registered to the user and bound with their credentials).

    Integrated Mobile Security

    Mobile banking malware continues to evolve and propagate faster each year, exposing customers’ personal data and making it easier for cybercriminals to commit account takeover fraud. As part of the OneSpan Intelligent Adaptive Authentication solution, mobile application shielding gives apps the power to defend against malware, even on infected devices.