Advanced Identity Theft Protection
The SiteTrust Adaptive Authentication Module is a complete multi-factor authentication solution with unique flexibility to meet business, consumer and FFIEC compliance guidelines. In its full module deployment that includes end point clients, web filters and the SiteTrust Server, Adaptive Authentication provides secure identification of the customer to their computer, the customer’s computer to the business and the business to the customer’s computer. This critical authentication process is continuously validated with each transaction and delivers the greatest protection available against identity theft and phishing attacks.
Because no single authentication approach can meet the needs of all customers, Adaptive Authentication uniquely offers policy based authentication options based on usage patterns, user preferences and business risk levels. Adaptive Authentication decides which authentication methods will be used based on the customer access point and inability of the consumer to successfully authenticate through different available methods. For example: If the user authenticated successfully with user name and password, but fails proper authentication using out of band cell phone authentication, the system will attempt a third authentication technique such as “email question”. This offers the consumer greater ease of use and the business improved user satisfaction and greater transaction completion rates.
Adaptive Authentication models include:
- Out of band Phone authentication
- Email authentication
- SiteTrust Client Agent strong authentication
- SMS authentication
- Question and answer secondary authentication
- Client Cookie authentication
The Adaptive intelligence capability of SiteTrust automatically applies the appropriate policy based authentication model balancing end user ease of use against business risk while offering access from home, work, public locations and mobile devices. Adaptive Authentication is easy to deploy and includes fully configurable templates for:
- Configurable registration page
- Configurable user option page
- Configurable PIN authentication page
- Security questions template with 5-level question models
SiteTrust Adaptive Authentication offers unique advantages over existing multi-factor authentication tools including:
- Ability to login anywhere and anytime
- No hardware token necessary
- Meets FFIEC compliance guidelines
- Seamless integration with existing infrastructure and security systems
- No code changes to web business applications
SiteTrust Adaptive Authentication is the only solution available that can be deployed as a stand alone solution or integrated into a complete anti-fraud solution as part of a defense in depth strategy.