For user authentication to be reliable, the environment in which it occurs should be protected. SA® (Smart Authentication) functionality within the Cognitive Security Platform® combines Behavioral Passive Biometrics features with Multi-Factor Authentication (MFA) to deliver a frictionless step-up authentication procedure that guarantees high-security levels, PSD2 compliance, and a fluid user experience.
Multi-layers and Behavioral-based validation
The XTN Cognitive Security Platform® aims to deliver a robust security layer for digital identity validation while maintaining a frictionless user experience. This is achieved through the use of behavioral biometrics and a multi-layered approach for checking the identity by evaluating the trustworthiness of the device being used (endpoint trust) and checking for cryptographic information. The user’s behavior is monitored to detect unusual or suspicious activity.
Behavioral Biometrics lets us increase users’ security without introducing friction or requiring dedicated hardware, making it easily integrated with the client’s fraud prevention systems.
Users’ recognition occurs via activities related to the device and how the user interacts with it.
Here is the signals type:
- Device-focused behavioral signals track how the user physically interacts with the digital service and the device ( typing, mouse usage, handling, gait, velocity analysis, and device characteristics);
- Contextual anomaly signals characterizing the environment in which the user usually operates (geo-location, Bluetooth, or WiFi);
- Service-related behavioral signals describe the user’s habits in accessing the application (usual payment transaction amount, transactions timing, most used functionality, etc.).