FaceAuthMeTM uses sophisticated machine learning and AI algorithms that capture intelligently facial biometrics and other data of the customer to identify uniquely a genuine customer from a fraudster.
This solution satisfies the Strong Customer Authentication (SCA) requirement as specified by the PSD2 regulation.
FaceAuthMeTM provides the inherence and possession factors in one seamless experience. Personal Information (PII) of the customer is processed securely following GDPR principles.
SCA is now a requirement. In Europe, it is a regulation under PSD2 which comes into force on the 31st of December 2020 for
online payments / E-commerce.
From setting up a new payee or when a customer is making a risky transaction or using their credit card (e.g. to pay for an airline ticket), financial organizations are required to authenticate customers using SCA. FaceAuthMeTM provides a one-stop, seamless authentication experience for all of these authentication needs.
faster customer authentication and self-service options for some tasks i.e. password reset, lost cards
provides a layer of security for key transactions
New Payee Setup
better customer experience when setting up new payees
more secure, faster and less friction when buying online
speeds up the process with less friction and effort for the customer
Intuitive, convenient and low friction authentication customer experience
Here we have the main process Customer Flow and we also offer two options for authentication when FaceAuthMeTM is first used
Whilst FaceAuthMeTM uses secure device binding technology, there is no need to use possession factors, such as SMS, for an existing customer of FaceAuthMeTM. Device binding brings a powerful method to identify trusted devices whilst providing two factors for authentication.
Traditional OTP based authentication is popular. FaceAuthMeTM can be integrated seamlessly to the ACS screens, hence the OTP screen itself can be used whilst additional authentication can be provided with facial biometrics
A new customer to FaceAuthMeTM will be sent an SMS with a secure URL where the customer will be redirected to the FaceAuthMeTM service. Whilst SMS provides the “Possession” factor, facial biometrics provides inherence and thus provides two factors of authentication
Authentication Now &
For the Future
FaceAuthMeTM provides a better alternative to customer passwords/PIN or
knowledge-based question solutions. Other key benefits are:
- Provides Strong Customer Authentication (SCA)
- Easy to use, low friction and secure
- Works on any device
- No software/app download needed
- Easy integration/implementation
- Supports multiple authentication scenarios
- Supports PSD2/GDPR
Headquartered in San Jose, California, USA, Zone24x7 Inc is a digital transformation partner for a wide range of global organizations from technology startups to Fortune 500 entities. Established in 2003, Zone24x7 employees over 300 professionals across all its locations in the US, UK and Sri-Lanka. Zone24x7 holds extensive expertise in the fields of Artificial Intelligence, Biometrics, Cognitive Vision and Data Science. The company has served successfully leading payment device manufacturers, digital payment processing companies and technology providers for the Banking & Financial Services industry.
We have worked closely with the client teams on engagements where we leveraged customer biometrics in a wide range of innovative use cases to improve customer safety and security, protect property and valuables, collect insights from individuals and groups for business-critical analytics as well as threat assessment and also to enhance customer convenience. Read more about Zone24x7 here.
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