Authentication Step-Up

To minimize damage in fraudulent scenarios, including remote desktop fraud, we recommend designing techniques for step-up authentication. That’s why we offer server-side biometry as an easy-to-use, separate component.

You can apply the authentication step-up in several situations, for example:

• For any payment approval, in case the user logs in via PIN code (to enforce independent factors for login and payment approvals in the same session when the PIN code could have been compromised during login)
• For a high-value transaction, or for every ~10th transaction (to prevent the fraud being carried out via several smaller payments)
• For a transaction to any new account number
• To change sensitive customer data such as password or phone number
• Of course, you can also deploy a more complex decision-making based on the responses from your fraud detection system

User Journey