ING Direct implements two-factor authentication

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ING Direct implements two-factor authentication

Cliff Saran

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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