• Reduce card-skimming fraud at POS and ATMs
  • Provide secure two-factor authentication log-in for Home Banking, e-Commerce and PC Networks
  • Provides information for "real time" risk management
  • Non-intrusive to "bio privacy" of user, and based upon familiar magstripe technology
  • Provides "Dynamic Signature Variance" which meets Sarbanes-Oxley recommendations for frequent changing of passwords
  • Decreases non-repudiation disputes
  • Provides "proactive" protection for consumers, and increases consumer confidence
  • Low cost to implement (Uses existing magstripe cards, and low-cost magstripe readers)
  • Easily and economically integrates into existing infrastructures