Cronto Visual Transaction Signing

Securing Financial Transactions Online Cronto Limited, +44 1223 750001, www.cronto.com

Trojan Malware: Man-in-the-Browser No Transaction Signing = Stop-Gap • Extra passwords, secret questions, OTP tokens etc. DO NOT WORK! • Need to authenticate the TRANSACTION not just the user"These attacks have been successfully and repeatedly executed against many banks and theircustomers across the globe in 2009" Avivah Litan, vice president and analyst at Gartner. © 2011 Cronto Limited 2

CrontoSign • Designed for online banking - full transaction signature - dynamic: no hardcoded use cases - effective personalisation • Based on simple familiar to user concept – take a picture • Uses colour to increase data capacity, speed and robustness • Available as mobile software and standalone hardware © 2011 Cronto Limited 3

Cronto Visual Transaction Signing Cronto Visual Transaction Signing Clickk 1. Bank generates the Cronto visual cryptogramerates the Cronto visual cryptogram a photo of the computer and Customer takesomer takes a photo of screen using the CrontoSign client. the computersing the Cronto client application. © 2011 Cronto Limited 4

Cronto Visual Transaction Signing Cronto Visual Transaction Signing Checkkck 2. Customer checks payment details on ther checks payment visual cryptogram to the web page and enterserates the Cronto details on the phone comparingomer takes a photo of the authorisation code if details are correct the computermparing to the web page and entersorisationCronto client application.sing the code if details are correct © 2011 Cronto Limited 5

Dynamic Personalisation• CronSign Device/App is distributed unpersonalised• Secure credentials provisioned via a CrontoSign image• Update credentials without replacing the device NO Seed Data stored by Cronto © 2011 Cronto Limited 7

Supports Mobile Banking• Easy to display Cronto Visual Cryptogram image on mobile devices• CrontoSign Device provides secure transaction signing• Works across various mobile devices - no custom integration for mobile banking apps• Consistent familiar user experience © 2011 Cronto Limited 8

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Cronto Visual Transaction Signing

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