Zero Customer Input Requirements, No Passcodes, Pop-Ups, Pins or Notifications
Faster And Less Costly Onboarding That Removes The Clumsy OTP Experience
Breakthrough Customer Experience Achieved Through Bullet Proof Security
OTP (One-Time Passcode) Replacement solves the mobile access challenge by leveraging and extending the very same identity the Mobile Network Operators use to secure their own network. Behind the scenes security screening provides an elegant and passive verification of your customer versus the clumsy and very visible use of OTPs.
How It Works
Jill upgrades her phone and logs into her banking app. Her device is new to the bank and requires a step-up verification.
Instead of automatically sending an SMS OTP to Jill’s tenured number on file, Jill’s IP address is sent to Payfone through the Mobile Authentication web-services API. Behind the scenes, Payfone authenticates Jill to determine this device is correctly associated with her.
Drive the best experience for your customers without sacrificing your reputation
Behind the scenes authentication of mobile devices utilizing the mobile network's 128 bit crypto key. Does not require downloads, agents or device permissions.
NOTHING TO INTERCEPT
A secure mobile channel outside the reach of fraudsters to ensure the mobile phone number and associated device belong to your customer.
REMOVES COMPLIANCE COSTS
With replacement of the OTP process, all of the associated expenses - SMS messaging, security tokens, and TCPA risk and compliance - go away.