Procert Authentication Platform by Mcarbon
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The document provides an overview of mcarbon's ProCert user identity and authentication platform, emphasizing its role in enhancing security and user experience in banking through methods like multi-factor authentication, sim binding, and omni-channel support. It outlines the features and benefits of the platform, such as cost optimization, compliance with banking standards, and the ability to reduce friction in user interactions. ProCert aims to ensure a unique digital identity for users while mitigating risks associated with identity theft and fraud.
Procert Authentication Platform by Mcarbon
- 2. Authentication An Overview Product Overview Authentication Modules Features & Benefits Use Cases About Mcarbon Questions & Answers In this Presentation Here's what we'll cover:
- 3. "Digital User Identity and Authentication is a critical element of the banking process. It not only protects customers' financial data and privacy but helps build trust.” procert
- 4. Knowledge Possession Inheritence Contextual WHAT YOU KNOW User-name and password, PINs, Security Codes or Passphrases WHAT YOU HAVE Identity and Bank cards , other IDs and Devices (phones customer owns) WHAT YOU ARE Biometrics such as fingerprints, face images, iris images, voiceprints THE CONTEXT Geolocation, IP address,, mobile number, mobile app or website Risks in FinTech What is Digital Identity?
- 5. Procert User Identity & Authentication Platforms works as a facilitator for banks to ensure end customers gets more ease and control over their money. By Selection OK I agree to the Terms & Conditions. Regular carrier charged may apply. Login to your Account Login with Id Cancel Login with Mobile Login with WhatsApp
- 6. How? Security Procert ensures the security, integrity and immediacy of authentication data transfer Omni-Channel It ensure data transfer is agnostic of the channel or across Omni-channel, SMS, Voice, Email, WhatsApp, RCS as well as emerging technology Discovery Discovery of new authentication mediums compliant to the security standards of Bank and regulators Cost Optimization Cost optimisation for the bank through intelligent routing of authentication data Procert works as an integral part of the organization's Identity and authentication process.
- 7. Omni Channel 2FA/MFA SIM Binding Missed of Flashcall Channel agnostic OTP, across SMS, Voice, Email, WhatsApp, and RCS with fallback To ensure the authentication of the App user by binding it the Mobile number SIM Authentication of user identity through a missed call call or flashcall Procert Authentication Modules Secure, accessible and future-ready WhatsApp Social Login OTP-Less Mobile Number Authentication of user identity through WhatsApp
- 8. Omni-Channel Fallback and Multi-channel Security & Data Integrity Omni Channel 2FA(OTP)/ MFA Procert ensure delivery of OTP PIN across channel, SMS, Email and Voice Procert support intelligent fallback for redundancy or multichannel for delicacy Procert tech architecture, infrastructure and processes are compliant and certified as per banking norms (Iso 27001, SOC2) Verify mobile number You need to send an SMS from your phone to verify and register your number on ABC Bank Please ensure your mobile number is registered with your bank and your mobile data is enabled SUBMIT Cancel
- 9. Increased Multi-factor Authentication Continuous Authentication SIM Binding Hardware tokens serve as supplementary form of authentication to passwords, pin and biometric Continuous authentication through device binding reduces risk of fraud. SIM binding is a type of device binding where an individual uses their mobile phone and binds that phone to their SIM card. This provides for greater security in user authentication. Reduces Friction It can minimize steps in authentication to give end-users additional ease An SMS will be send from phone to verify your phone number
- 10. Features & Benefits How it helps Enterprises Authenticate their customer without adding friction. Unique Digital Identity of Mobile App Users Procert ensures that every user has a unique digital identity compliant to RBI guideline. Complex algorithm between Device, Sim and Phone No. Procert generates a unique identity for a user through a combination of Device, Sim and Mobile Number Identity Validation at Every Launch Procert Sim Binding works on the principle of continuous validation Eliminate Identity Theft and SMS Spoofing Device Binding, eliminate the risk of SMS Spoofing, SIM Swapping, identity theft, etc.
- 11. Features & Benefits How it helps Enterprises Authenticate their customer without adding friction. Support for Toll Free and Virtual Mobile Number Procert support for both Toll Free SMS and Virtual Mobile number Support for both Android and iPhone ecosystem Form and format agnostic to cover 90%+ customer universe Enhance User Experience Reduces friction for user interaction and improves user experience 100% coverage in India With connectivity across all operators, Procert support 100% of mobile users within India
- 12. Technical Architecture High level overview of Technical Architecture Distributed Architecture for load balancing and redundancy End-to-End Encryption for Security Compliance to banking security regulations and norms Enterprise Backend
- 13. Technical Architecture High level overview of Technical Flow Distributed Architecture for load balancing and redundancy End-to-End Encryption for Security Compliance to banking security regulations and norms
- 14. Better Customer Experience Because of non-intrusive nature it provide better customer experience Cost Effective Flash call is more cost effective as compared to SMS or Voice based OTP Increasing Usage Flash call usage by enterprise is growing at a CAGR of 128% expected to cross 128 billion calls by 2026 Authentication of user identity through a missed call call or flash-call Missed and Flash Call
- 15. Better Customer Experience Friction-less yet secure Mobile number verification and login through WhatsApp OTP-Less Mobile Number Authentication of user identity through WhatsApp OTP-Less WhatsApp Login By Selection OK I agree to the Terms & Conditions. Regular carrier charged may apply. Login to your Account Login with Id Cancel Login with Mobile Login with WhatdApp By Selection OK I agree to the Terms & Conditions. Regular carrier charged may apply. OTP-Less By Selection OK I agree to the Terms & Conditions. Regular carrier charged may apply. OTP-Less Send this message to continue to login to ABC bank Click on the link to login to https://abcbank.com/ acbd3
- 16. A brief Overview of Mcarbon • Leading provider of Enterprise Messaging Service ⚬ Omni Channel CPaaS platform with ⚬ SMS, Voice, Email, WhatsApp Business, RCS, and Internet Messaging • Video messaging • Use cases to cover the complete customer lifecycle • Strong technology backbone (ISO 27001 certified) • Strong legacy of Telecom Network VAS • Diversified Customer base across Industries • Part of DeviceBook Group of Companies
- 17. Mcarbon Product Stack Mcarbon help enterprises and Brands connect with its customers and profit from it
- 18. Business Model • Flexible • No Capex • Pocket-friendly set up and usage fee
- 19. Do you have any questions? Send it to us! We hope you learned something new.
- 20. Thank you We are eager to hear from you! Contact at sales@mcarbon.com