Mobile authentication to secure all digital channels
The mobile is shaking the entire financial ecosystem, requiring more convenience for consumers with new use cases and services including eBanking apps.
Financial institutions have yet to keep up with the necessary security scheme needed to protect these services.
They also need to make sure their security implementations comply with the regulations such as the EU Payments Services Directive (PSD2) or FFIEC in the U.S.
They are facing increasing cyber-attacks, calling for higher levels of security.
Next gen security for new gen services
Reports from security specialists
confirm years after years that mobile malware is on the rise in numbers and sophistication.
wave of infamous SMS malware (like Eurograbber) which
forward to hackers the One Time Code received to validate
transactions, fraudsters now try to disguise themselves
as genuine bank applications to collect card details and online user credentials (HWorm, Houdini).
Field proven, robust and flexible authentication solutions are key for such challenges.
Secure online banking transaction
Gemalto Mobile Authentication Suite helps banks address all these challenges.
- Provides state of the art security to the mobile channel
- Allows all other transaction channels to be secured with the mobile
- Adds biometric authentication, for an unmatched convenience and right level of trust required for digital financial services to spread.
The Mobile Authentication Suite includes :
- Gemalto Mobile Protector: a mobile security and multi-factor authentication SDK
- Gemalto Mobile Messenger: an Out-of-Band messaging server and mobile SDK
Multi-factor authentication including biometrics
Gemalto Mobile Protector is a Software Development Kit providing APIs to easily implement multi-factor authentication and mitigate against malware attacks. It offers 3 layers of authentication:
- What I have : a first layer of authentication in the form of Device Binding which consists of strongly linking the registered mobile device to a specific user account.
- What I know : It's the classic PIN code. This knowledge factor provides an additional layer of security and is used as the backup and root security for the other authentication factors. The solution includes a built-in randomized secure PIN pad to defeat attacks such as key loggers.
- What I am : The third layer is composed of biometric factors including fingerprint and facial recognition. Biometric authentication offers convenience since it eliminates the need to use PIN codes repeatedly.
One-stop shop authentication device
Banking customers often use their mobile banking
application as the primary channel, and switch to the
computer or tablet for more complex tasks. Banks can
embrace this behavior by making the mobile the central
hub for functionality and security.
In other words, Banks can provide a much more fluid experience.
Gemalto Mobile Messenger enables this seamless
experience by ensuring that the mobile can be used
for authenticating to all channels. Your customers can
then use the mobile, tablet or computer to perform their
banking operations, using their mobile phone as their
one-stop authentication device.
Gemalto Mobile Messenger includes an advanced Out-of-Band messaging server and mobile SDK to send and
receive messages, including authentication requests
and transaction verifications, to targeted groups or
It creates a secure
channel between the bank’s information/authentication
systems and the mobile app. All communication is encrypted and signed.
More information on these software are developped in these 2 pages below.
Gemalto Mobile Protector
A Mobile Security and multi-factor authentication SDK including biometrics to integrate into any mobile financial applications
Gemalto Mobile Messenger
A Mobile Out-of-Band SDK to integrate into any mobile financial applications to secure non mobile channels
Mobile Authentication Suite used by over 40 banks
Gemalto Mobile Authentication Suite is already used by over 40 banks across the world to secure their financial services: Mobile banking, Mobile Wallet & Payment, Online Banking, eCommerce, Card Management, P2P money transfers and Cardless ATM to name a few!
What customers are saying
"We have a long-standing and trusted partnership with Gemalto, and their strong local presence has played a key role in ensuring deployment of this new service. Gemalto Mobile Protector also offers us a clear roadmap to deliver further innovation for our customers."
Elena Degteva, Head of Remote Banking Services Department, VTB24, Russia
"The integration of Gemalto authentication technology into the Banrisul mBanking solution is the ideal option to keep Banrisul at the forefront of simple, secure mobile solutions that enhance our customers' experience and streamline our operations."
Jorge Krug, IT Security Superintendent, Banrisul, Brazil
Gemalto is your trusted partner
From strong user authentication to transaction signing and risk management, we're here to help you create a remarkable customer experience and develop innovative payment services for Corporate Banking, eBanking and eCommerce use cases.
Gemalto helps banks to deploy stronger and more secure solutions for corporate use cases such as 3FA (theree-factor authentication) devices, WYSIWYS (what you see is what you sign) methods.
The Gemalto solutions allow retail banks to find the right balance between user convenience and security across all digital channels and use cases.
With the Gemalto eCommerce solutions, banks are empowered to mitigate online fraud (card-not-present in particular) without having any impact on the existing payment infrastructure or on the user experience.