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 Securing What’s at Risk



Zero Touch Fraud Detection and Versatile Authentication

The Internet has seen unparalleled growth as an efficient and cost-effective means for businesses to deliver goods and services to consumers. However, the rapidly escalating prevalence of fraud is threatening its adoption and use. Consumer confidence has been severely shaken, resulting in users decreasing or abandoning online transactions because of identity theft concerns. Organizations conducting online business, particularly financial institutions offering Internet-based transaction services, have come under an increasing number of attacks because of the potentially lucrative rewards for online criminals.

The Entrust IdentityGuard versatile authentication platform provides a range of open multifactor authentication capabilities so organizations can secure information, protect digital identities and help address fraud by tailoring security based on risk.

Leveraged today in a wide array of commercial and government organizations for both consumer and enterprise users, the Entrust IdentityGuard versatile authentication platform is known for its diverse range of affordable, easy-to-use authenticators.

An award-winning versatile authentication platform, Entrust IdentityGuard provides one of the widest ranges of authentication capabilities on the market today. Already boasting some of the most trusted authentication methods available, the solution also includes risk-based authentication based on IP-geolocation and the ability to leverage data delivered through the Entrust Open Fraud Intelligence Network (OFIN).

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Detect - Defend - Adapt

Driven by critical elements such as ease of application integration and transparency to end-users, this solution can: detect who a user is and what they are doing in real time; defend users and businesses against attacks through alerts and stronger authentication; and adapt to changing fraud techniques and authentication requirements. Entrust's versatile authentication platform works as part of a strong, layered security approach and does not impact normal user behavior or back-end applications, speeding deployment and helping to save money. The power of the solution also enables organizations to choose from a wide range of versatile authentication capabilities that can defend users from fraud attacks — today and in the future.

Detect - Entrust TransactionGuard's zero touch approach can detect fraud without invasive integration with existing applications. The solution provides real-time protection by transparently monitoring user behavior to identify anomalies, then calculating the risk associated with a particular transaction. Defined in customizable, pre-built fraud rules and business signatures (transaction sequences like 'Login'), the solution can identify anomalies such as a user login from an unknown machine or from a risky IP address or location; a transfer of unusually large amounts to unknown accounts; or a change of personal information. The real-time analysis is done transparently and does not touch the application or cause extra burden on the user.

Defend - High-risk transactions are managed according to business procedure and the level of risk in real time. Alert generation, case reporting and workflow tools enable an organization to investigate and stop fraudulent transactions before they clear or approve legitimate business, without impacting the user. Organizations may also elect to have users more strongly authorize certain transactions. Entrust IdentityGuard is a versatile authentication platform that provides a range of authentication capabilities from transparent machine authentication, Q&A challenge and out-of-band authorization via phone, to grid cards and Entrust IdentityGuard Mini Tokens. The solution's flexibility enables organizations to match the sophistication of users and sensitivity of the information to the right authenticator.

Adapt - Fraud techniques are constantly evolving and improving in an effort to circumvent fraud detection solutions. Entrust's zero touch fraud detection capabilities include the critical ability to analyze all transactions, not just a subset. This allows organizations to identify and more quickly react to ever-changing fraud patterns without impacting the application. As a world leader in security, Entrust is committed to providing customers with an authentication solution that can evolve and adapt over time. Entrust IdentityGuard is an open versatile authentication platform with a commitment to adding new and innovative authentication capabilities, both from Entrust and from third parties.

Conclusion: Entrust Risk Based Consumer - Authentication Solution Advantages - Zero Touch Deployment - Can be deployed rapidly without integration with back-end applications or changes to user behavior. An ideal solution for organizations that aim to remain up to date with FFIEC regulations. Flexible Implementation Options - Offers flexible implementation options and has no impact on existing applications to help reduce costs and speed deployment to enable a seamless fit with existing infrastructure and fraud management processes. Proven Solution - Has been deployed globally at large financial institutions, government agencies and enterprises, including: US Bank, Schufa, CommerceBank, Bank of New Zealand and the Government of Sweden. Comprised of Entrust TransactionGuard, Entrust IdentityGuard and the optional Entrust Extended Validation SSL certificates, our risk based consumer authentication solution is a key component in a strong, layered security approach aimed at protecting today's consumer online. Addressing the security challenges of today and tomorrow requires a layered approach that protects identities and information at multiple points to defend against ever-changing fraud threats in the online channel. Enabling the Enterprise - Entrust IdentityGuard is also suited at providing strong enterprise authentication to secure any number of productive tools, including VPN remote access, Microsoft® Windows® security or Web-based applications. The versatile authentication platform, Entrust IdentityGuard enables organizations to provide strong authentication to a wider audience, with greater control and flexibility, to determine how to secure different users and transactions — based on the risk associated with those transactions.

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