Out-of-Band authentication (OOBA) is highly valued in term of security. It uses two separate networks (Internet AND the mobile operator network for example) working simultaneously to authenticate a user.
Just think about it.
It's particularly difficult for an attacker to compromise two different communications channels at the same time.
Now, what if your customers could turn their smartphone into a digital key
to unlock the access to all online and mobile banking channels
and secure them ?
This is what Gemalto Mobile Secure Messenger makes perfectly
It's omni-channel unleashed
Gemalto Mobile Secure Messenger is an Out-of-Band server and a Mobile SDK allowing to turn any smartphone into a universal key unlocking access to all banking channels and digital services.
Gemalto Mobile Secure Messenger strongly authenticates and validates operations of eBanking, mobile banking, eCommerce, proximity payment, ATM, branches, etc.
As an example, Gemalto Mobile Secure Messenger can
also be used to replace the traditional SMS OTP by
distributing OTPs through a secure communication
channel directly to the bank application. Banks can thus
better control their authentication costs while providing
an enhanced user experience.
Adapt your validation scenario
All situations does not require the strongest and absolute
security all the time. Gemalto Mobile Secure Messenger
enables you to adapt your validation scenario according to
the level of risk of a particular transaction.
- If the transaction is considered low risk,
the solution can be used to simply
inform the user that a transaction performed on a specific
channel has been validated.
- If the transaction if considered as medium risk, then
a confirmation will be required. In this case the user will
need to explicitly accept or reject the transaction on their
mobile phone. This method is very convenient and simple
for the customer, as confirmation can be done directly on
the notification screen without even launching the bank’s
- If the transaction is considered risky, the customer will
be required to sign it by entering a PIN code or perform
biometric authentication. This
can be done by combining the Gemalto Mobile
Secure Messenger solution with the Gemalto Mobile Protector which includes all the necessary functions
to generate One-Time-Passwords and transaction
Gemalto Mobile Protector also brings all
the necessary security measures including advanced
encryption, biometric authentication, binding, jailbreak
detection and secure PIN pad (or fingerprint support) to
make sure that your Gemalto Mobile Secure Messenger
solution can deliver the highest level of security.
- Allows multi-channel banking and payment services
- High performance Out Of Band Messaging Server based on In-Memory Data Grid technology
- Proprietary Secure Channel (DEP) to overcome SSL weaknesses
- Dynamic scalability with ability to add nodes to increase performance
- Fault tolerant (no single point of failure)
- Disaster recovery with WAN replication
- Push notification Support with GCM, APNS, and MPNS push networks
- Easy to implement API for fast deployment
- Helps banks to comply with FFIEC, NIST, and PSD2 regulations
Why Gemalto ?
Security in general, and especially in the mobile world, is
in constant evolution. It requires permanent investments
to keep up with the latest threats and attacks.
Mobile Suite benefits from a clear and continuously
refreshed technology roadmap which relies on Gemalto’s
experience in the digital and mobile security area.
to its robust experience in secure elements, smart
cards and contactless technologies, Gemalto can ensure
that its customers will always have
access to the latest security innovations.