THE PERMISSION CODE PLATFORM

The Permission Code® Smart PIN is a transaction signing platform that generates trust in digital transactions while delivering a frictionless experience for users.

 

The Smart PIN enables businesses to protect themselves against increasingly sophisticated misuse of identities, such as man-in-the-middle attacks.

 

It delivers a combination of security, usability and cost of ownership by empowering customers to digitally sign and authorize transactions over any channel at any time.

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BETTER USER EXPERIENCE, STRONGER SECURITY

Risks to digital transactions are on the rise via both sophisticated threats and simple fraud schemes. As these risks increase, enterprises are experiencing ever-increasing fraud losses. This forces them to increase their security posture, which often ruins their customer’s experience.

In the digital age, attracting and retaining customers of various demographics requires enterprises to deliver excellent customer experience while also ensuring security and trust in each transaction.  

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A NEW ERA IN TRANSACTION SIGNING

UNIQUE IDENTITY

TRANSACTION DETAILS

As a result, even if a fraudster intercepts the Smart PIN, they can't repurpose it for another transaction or misuse the customer's identity. By including transaction details in the Smart PIN, the risk of fraud is eliminated.

Establishing identity is not enough these days. The Smart PIN also contains details on the transaction itself. It links the customer’s identity to the specific transaction being requested and authorized.

 

By binding identity to a request, the Smart PIN provides tamper-proof authorization to execute the transaction.

What makes a Smart PIN smart?

When we say Smart PINs are packed with data, we mean they literally encompass every aspect of a transaction:

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WHO

Validation of
        the customer’s          identity

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WHAT

Authentication of the customer's account data  

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WHY

Authorization of every detail of the transaction

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WHEN

The length of time for which the authorization is valid

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WHERE 

Any geographic restrictions to the transaction  ​​

Seamless Verification

THE TRADITIONAL MODEL, FLIPPED

By empowering the customer - rather than the business - to originate secure transaction instructions, Authoriti has flipped the model.

 

No longer does a customer have to respond to challenges or receive and return a vulnerable one-time PIN. Since the customer is originating the instruction, they can embed details of the transaction in the PIN. This improves the customer's experience.

 

It allows the freedom to conduct the transaction when and where they want, and the freedom from being challenged by security questions.

A TRANSFORMED USER EXPERIENCE
​Reduces customer friction

Scales as your transaction needs grow

Integrates with legacy solutions

Delivered as a low-cost subscription service  

Supports omni-channel distribution (call center, web, mobile, chat, paper, etc.)

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