Online transactions are scrutinized by hackers who want to turn the e-transaction to their benefit. Fraud schemes are becoming more and more sophisticated, such as man-in-the-middle and man-in-the-browser attacks. Banks are increasingly adopting defense mechanisms using electronic signatures for signing transactions.

How does it work?

Digipass 836 offers a solution against man-in-the-PC and man-in-the-browser based fraud. All transaction data are displayed in a trusted environment and approved with a mandatory “OK” push on the button by the end-user.

The optical interface is a feature that automatically downloads data from the PC display on to Digipass 836. This feature increases the end-user acceptance dramatically since a data transfer is completed within a few seconds. The interface does not require any software or driver as the communication is established through a flashing pattern on the user’s PC (Javascript, Animated Gif or Adobe Flash) and the photo sensors of the Digipass 836. Customizable positioning icons on the Digipass 836 overlay enable the compatibility of the optical interface with any screen size and resolution.

User-friendly card reader

Digipass 836 is self-explanatory in use. Its new design further enhances userfriendliness. Digipass 836 allows the use of larger character sets to be displayed on the screen to improve readability. If required by the end-user, OTP and e-signature codes can be magnified and displayed using the full size of the screen. Both features add to the user-friendliness for elderly people, considering electronic banking has become extremely popular with the elderly

Easy to deploy and integrate

Digipass 836 is a platform-independent card reader which can easily be rolled out to a vast amount of end-users. Each reader is identical; as a result it does not require personalization prior to customer delivery. Therefore, production and distribution can be managed in a very cost-effective way.

Digipass 836 initializes itself and becomes unique and personalized the moment the end-user inserts his smart card and enters his PIN. When the card is removed from Digipass 836, all secrets are permanently erased. The card is inserted at the bottom of Digipass 836 which adds to the user convenience of the optical communication.

Digipass 836 can also easily be integrated into a 3D-Secure architecture, allowing the cardholder to use it for online payment by entering key transaction data before authorizing payment. Here again, using Digipass 836 for online payment purposes does not require a connection to a terminal or PC, nor does it require the installation of client software or drivers.

Low cost of ownership

Digipass 836 combines the intrinsic security of a smart card with the flexibility of an authenticator. Since Digipass 836 requires no extra personalization by the network owner, it can easily be rolled out in an efficient way to a large end-user customer base. Furthermore, thanks to its user-friendliness the cost of helpdesk support is significantly reduced resulting in a lower management cost of the security infrastructure.

Ecological footprint

Digipass 836 is available in a version with two removable batteries. The batteries can easily be replaced by the end-user. Digipass 836 with replaceable batteries helps banks comply with new ecological policies and regulations.

Customization

Digipass 836 can be customized, reflecting the bank’s corporate logo and colors to enhance brand recognition for the end-user. Digipass 836 is fully interoperable with all members of the Digipass family and works seamlessly with OneSpan Authentication Server and Authentication Server Framework.