ING Direct has strengthened its online banking security
with the launch of two-factor, two-way authentication for all its
customers.
It is using RSA’s just launched Adaptive Authentication
tokenless technology, which leans heavily on the firm’s recently
acquired Passmark Security software, to add another layer of
security to its website.
The technology works by using a customer's PC or handheld device
as the second-factor hardware device. The RSA system provides a
positive identification based on device and network forensics,
behavioural analysis and other parameters.
Customers registering for the service select an image from a
library and create a personal phrase, which they will recognise
when logging into their accounts. They also answer at least five
security questions.
After enrolment, when a customer logs in, they need to answer
two of the security questions and then select their image and input
their phrase. According to ING, this approach means that users will
be able to verify that it is safe to log in.
The system additionally scores transactions according to the
perceived level of risk and automatically adds further security
measures such as secret questions or an automated phone call if
needed.
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