The document discusses iSignthis and its digital identity verification solutions. It includes sections on:
- Digital KYC and how iSignthis offers a digital solution compared to traditional face-to-face or paper methods.
- Their payment authentication solution which helps payment services providers satisfy strong customer authentication regulations like PSD2 through a single integration.
- Contact information for iSignthis and details on their stock exchange listing and social media profiles.
The document promotes iSignthis's identity verification products and services for online fraud prevention, payment authentication, and anti-money laundering compliance.
Find out how SecureTrading can help your business successfully trade online. We can help with all aspects of taking payments from processing transactions to counter-fraud services.
We don't just do credit and debit cards, but PayPal, Ukash and leading European methods such a ELV, Sofortuberweisung and iDeal.
Presentación de Amieto Montinari, de ChasePaymentech para el I Foro de Medios de Pago y Fraude Online organizado por adigital. (Madrid, 20 de diciembre de 2012).
Find out how SecureTrading can help your business successfully trade online. We can help with all aspects of taking payments from processing transactions to counter-fraud services.
We don't just do credit and debit cards, but PayPal, Ukash and leading European methods such a ELV, Sofortuberweisung and iDeal.
Presentación de Amieto Montinari, de ChasePaymentech para el I Foro de Medios de Pago y Fraude Online organizado por adigital. (Madrid, 20 de diciembre de 2012).
SITEC eCommerce Class 4
Title: Online Payment
Presenter: Chan Kok Long, Executive Director (iPay88)
Date: 11 August 2015
Venue: The Canvas @ Damansara Perdana
Digital Payments - Netcetera Innovation Summit 2018Netcetera
Kurt Schmid, our Managing Director Digital Payment, asked: “Merchant Tokenization and SRC – the next BUZZ words – how do these change eCommerce Payments?”.
Presentation by Kurt Schmid, Managing Director Digital Payment at Netcetera, at the Swiss Payment Forum, November 2018.
- Where we are coming from?
- Wallets, OEM Pays versus Issuer Pays?
- Proximity and eCommerce payment trends
- The business case and strategic value for issuers?
SITEC eCommerce Class 4
Title: Online Payment
Presenter: Chan Kok Long, Executive Director (iPay88)
Date: 11 August 2015
Venue: The Canvas @ Damansara Perdana
Digital Payments - Netcetera Innovation Summit 2018Netcetera
Kurt Schmid, our Managing Director Digital Payment, asked: “Merchant Tokenization and SRC – the next BUZZ words – how do these change eCommerce Payments?”.
Presentation by Kurt Schmid, Managing Director Digital Payment at Netcetera, at the Swiss Payment Forum, November 2018.
- Where we are coming from?
- Wallets, OEM Pays versus Issuer Pays?
- Proximity and eCommerce payment trends
- The business case and strategic value for issuers?
8 Reasons You Should Switch to Biometrics Authentication for Digital OnboardingPanamax, Inc
Many industries leverage AI-powered smart biometrics solutions to counteract security threats and meet updated know-your-customer (KYC) standards during client onboarding. Our Smart Biometrics solution helps enterprises, governments, and API partners verify users in real-time using robust features, including customizable workflows, API-based framework, data accuracy, and document management.
Beyond the Display: KYC as Your Electronic DefenseAny kyc Account
Explore the world behind the screen and learn how KYC verification acts as your virtual bodyguard, keeping you safe and secure throughout the broad internet.
eKYC provide cutting-edge digital identity verification services.
Our solution is a fast and secure way to verify the identity of your customers, and it can be integrated seamlessly into your business.
Here's a short list of our features:
✅ Digital identity verification.
✅ Liveness verification
✅ Biometric verification
✅ Easy digital onboarding
✅ OCR, MRZ
✅ ID & Selfie match
✅ PEP and Sanction check
✅ Crypto AML
✅ Multiple KYC profile
✅ Full integration support
✅ API, Web, iOS and Android SDK
✅ Support for more than 10,000 document types
✅ Customizable user flow and user interface
We are ready to help your business with reliability and security in the customer verification process. Feel free to ask questions and contact us for further information. Welcome to the world of secure electronic identification with TrustIDnow!
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All You Wanted To Know About Top Online Payment Security Methods.pptxITIO Innovex
As online transactions become an integral part of our daily lives, the importance of robust online payment security methods cannot be overstated, especially when you want to start your own payment gateway business. Visit us at: https://itio.in/
10 Essential Strategies to Safeguard Your Business from Credit Card Fraud 1.pptxdarrengracia
Credit card fraud is an escalating issue in the digital age. Criminals employ diverse tactics, such as phishing and data breaches, to access sensitive information, leading to unauthorized purchases and identity theft. Both individuals and businesses suffer financial losses and reputation damage. Vigilance, secure online practices, and robust cybersecurity measures are crucial. Collaborative efforts between individuals, businesses, and financial institutions are essential to combat this mounting threat and maintain secure financial transactions in our interconnected world.
Credit card fraud is an escalating issue in the digital age. Criminals employ diverse tactics,
such as phishing and data breaches, to access sensitive information, leading to unauthorized
purchases and identity theft. Both individuals and businesses suffer financial losses and
reputation damage.
Payment Network International is a international payment processor. Please enjoy our short company presentation, should you have any question please email info@pni.com.au
apidays LIVE Paris 2021 - Identification & Authentication for Individuals wit...apidays
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December 7, 8 & 9, 2021
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Nicolas Bigand, CTO & COO at L'identité Numérique La Poste at Groupe La Poste
Website Compliance Requirements To Integrate A Payment GatewayITIO Innovex
Want to start your own payment gateway business but clueless about how to get started? In today's digital age, integrating a payment gateway is crucial for businesses looking to accept online payments. Visit us at: https://itio.in/
The Essence of Online ID Verification for Enhanced User Authentication.pdfIDMERIT IDMERIT
The significance of a robust identity verification process cannot be overstated while businesses are struggling to deal with online frauds & thefts. The online transactions are growing continuously, ensuring safe and trusted user authentication becomes a mandatory concern for businesses and service providers. One key solution that takes center stage in this endeavor is online ID verification.
https://www.idmerit.com/blog/the-essence-of-online-id-verification-for-enhanced-user-authentication/
EU Pays has been a reliable & affordable payment gateway service provider to varied business segments comprising of payment gateway solutions for tech support, thereby providing quality payment gateway services for technical support business.
1. Digital KYC
There are only four legally compliant ways to perform a Know Your Customer (KYC) check. Don’t get left behind with last
century’s solution. For more information, check out Digital KYC by iSignthis.
Face to Face Notarised Documents Electronic Databases Digital KYC by iSignthis
Online Fraud
More than $16.31Bn was lost to card fraud globally last
year. With such high risks, it is imperative that online
businesses are protected from third party and “friendly”
Card Not Present (CNP) fraud so that chargebacks don’t
reduce profits. iSignthis not only facilitates compliance
with the world’s most stringent Anti Money Laundering
(AML) regulations, but also reverses chargebacks in
accordance with Card Scheme rules. If your organisation
is looking to mitigate fraud and chargebacks, without
adding complexity to the checkout process, then consider
our CNP fraud solution.
Payment Authentication
The EU has introduced a requirement for Strong
Customer Authentication (SCA), including the use of
two factor authentication (2FA). iSignthis helps payment
services providers (PSPs) satisfy the SCA requirements
of the EU’s PSD2 across the 30+ European Central Bank
recognised card schemes, via a single integration.
We also satisfy the requirements of the United State’s
FFIEC, the Singaporean MAS’ TRMG, the European
Banking Authority’s ‘SecuRe Pay’ and others. To comply
with the new regulatory requirements whilst maintaining
customer experience consider our Strong Customer
Authentication solution.
Get in touch
For further information about iSignthis
or our products please contact us at:
Learn more
Stock Exchange: iSignthis Ltd (ASX :ISX)
LinkedIn: iSignthis Ltd (ASX : ISX)
Twitter: @iSignthis_Ltd
Facebook: iSignthis Ltd
Google Plus: iSignthis Ltd
t
e
w
+61 386 400 900
contact@isignthis.com
www.iSignthis.com
iSignthis Ltd (ASX : ISX) is the global leader in dynamic, digital AML/CTF KYC
identity proofing. Our Paydentity solution incorporates real time electronic
verification to converge remote payment authentication and KYC identification.
This delivers automated customer on-boarding with a global reach of any of the
world’s 3.5Bn financially included persons, no matter where they are located.
iSignthis’ unique solutions protect online customers whilst assisting merchants
with CNP liability shift and providing operators with 100% confidence.
About iSignthis
iSignthis Solutions
Who We Are
Payment gateway
Card acquiring
AML/CTF KYC data
AML/CTF KYC manual
back office support
Anti fraud/payment
authentication
Transaction monitoring
Manual
High friction
High customer abandonment
Manual
Timely (5 to 21 working days)
Low conversions
Historic data
Limited reach
Decreasing match rates
Live dynamic KYC data
Automated on-boarding
of paying customers
Global reach
4AMLD compliant
100% match rates
Our Services
include
2. Why iSignthis?
About iSignthis
iSignthis Ltd (ASX : ISX) is the global leader in dynamic, digital AML/CTF KYC identity proofing.
Our Paydentity solution incorporates real time electronic verification to converge remote payment
authentication and KYC identification. This delivers automated customer on-boarding with a global
reach of any of the world’s 3.5Bn financially included persons, no matter where they are located.
iSignthis’ unique solutions protect online customers whilst assisting merchants with CNP liability
shift and providing operators with 100% confidence.
Get in touch
For further information about iSignthis
or our products please contact us at:
t
e
w
+61 386 400 900
contact@isignthis.com
www.iSignthis.com
1. Proves ownership of financial instrument to reverse CNP chargebacks
Paydentity Core verifies ownership of the remotely presented payment instrument. This is achieved
through our patented payment split which requires a customer to retrieve a dynamic secret from their
account. iSignthis eliminates third party fraud whilst also providing the evidence to reverse “friendly”
CNP fraud. We provide compelling evidence to defend against fraudulent chargebacks by proactively
authenticating transactions with Paydentity Protect.
2. Payment authentication
We verify ownership of the remotely presented payment instrument through Paydentity Core.
These attributes are then dynamically linked to a 2FA, Paydentity Authenticated, to secure
future payments.
3. Global reach
We can reach 3.5Bn financially included persons, located in over 200 countries. If your customer
is able to make an online payment, our Paydentity Core process can usually be applied.
4. Minimises manual processes
Our patented process unlocks the KYC in payment instruments by transforming routine online
payment transactions into dynamic KYC sources. With manual processes taking between 3-21 working
days, Paydentity Verified generates an automated digital KYC workflow in 3-5 minutes using the most
reliable, independent and up to date source of KYC data.
5. Fast and flexible on-boarding
The intuitive, user-friendly process takes place post-checkout thus avoiding the high abandonment
rate of complex, manual solutions. iSignthis also allows for a customised workflow that is flexible to
your own jurisdictional and on-boarding requirements.
6. Exceeds regulatory requirements
We provide the basis for remote customer due diligence and KYC compliance with the EU’s 3rd
and 4th
AML Directive, the incoming European Supervisory Authority Risk Factor Guidelines,
the PSD2, the US BSA & Patriot Act and other global regulatory requirements.
Learn more
Stock Exchange: iSignthis Ltd (ASX :ISX)
LinkedIn: iSignthis Ltd (ASX : ISX)
Twitter: @iSignthis_Ltd
Facebook: iSignthis Ltd
Google Plus: iSignthis Ltd
3. Payment
Instrument Verification
Paydentity Core
How Paydentity Core Works?
The patented Paydentity Core process takes a customer’s online purchase/deposit and splits that transaction amount into two charges,
a random and balancing charge, in order to form a secret. Together the value of these secret charges add up to the original transaction
amount. The customer is then required to independently access their transaction list/account using their secure credentials, in order to
retrieve the value of the two secret charges. The confirmation of the secret successfully identifies a customer, by proving ownership of
the regulated payment instrument, through access to their account.
About Paydentity Core
Paydentity Core is our unique patented process at the heart of every iSignthis solution. Paydentity Core is the convergence of payment
and identity. The process remotely links an electronic payment instrument with a person’s real identity, delivering Payment Instrument
Verification (PIV) and customer identification. By transmitting a ‘secret’ within the data of an electronic payment, we challenge customers
to prove ownership of the electronic payment instrument by confirming the secret.
Proves ownership of financial instrument
Paydentity Core verifies ownership of the remotely presented
payment instrument. This is achieved through our patented
payment process which requires a customer to retrieve a
dynamic secret from their account.
Exceeds regulatory requirements
We provide the basis for remote customer due diligence
to meet compliance with the EU’s 3rd
and 4th
AML Directive,
the incoming European Supervisory Authority Risk Factor
Guidelines, the PSD2, the US BSA & Patriot Act and other
global regulatory requirements.
Paydentity Core Benefits
For example:
Scheme independent
iSignthis verifies ownership of all card types from 30+ card
schemes including VISA, MasterCard, Carte-Bancaire, JCB,
American Express, China Union Pay, Diners and Discover.
High conversion rates
The intuitive, user-friendly process takes place post-checkout
thus avoiding the high abandonment rate of complex,
manual solutions. iSignthis also allows for a customised
workflow that is flexible to your own jurisdictional and
on-boarding requirements.
Start
Eg. Customer makes
a $100 transaction
Transaction is split into
two amounts, creating
a dynamic secret
Eg
Customer retrieves
the dynamic secret
from their online bank
The two amounts
making up the dynamic
secret are entered into
the iSignthis portal
Paydentity
Core achieved
(Payment Instrument Verified)
About iSignthis
iSignthis Ltd (ASX : ISX) is the global leader in dynamic, digital AML/CTF KYC identity proofing.
Our Paydentity solution incorporates real time electronic verification to converge remote payment
authentication and KYC identification. This delivers automated customer on-boarding with a global
reach of any of the world’s 3.5Bn financially included persons, no matter where they are located.
iSignthis’ unique solutions protect online customers whilst assisting merchants with CNP liability
shift and providing operators with 100% confidence.
Get in touch
For further information about iSignthis
or our products please contact us at:
t
e
w
+61 386 400 900
contact@isignthis.com
www.iSignthis.com
Learn more
Stock Exchange: iSignthis Ltd (ASX :ISX)
LinkedIn: iSignthis Ltd (ASX : ISX)
Twitter: @iSignthis_Ltd
Facebook: iSignthis Ltd
Google Plus: iSignthis Ltd
PaydentitybyiSignthis
Eg
4. Strong
Customer Authentication
Paydentity Authenticated
How Paydentity Authenticated Works
Paydentity Authenticated uses the Paydentity Core process, taking a customer’s online purchase/deposit and splitting that transaction
amount into two charges, a random and balancing charge, in order to form a secret. Together the value of these secret charges add up to
the original transaction amount. The customer is then required to independently access their transaction list/account using their secure
credentials, in order to retrieve the value of the two secret charges. The confirmation of the secret successfully identifies a customer,
by proving ownership of the regulated payment instrument, through access to their account. iSignthis then links this verified payment
instrument to 2FA in order to speed up and simplify subsequent transactions.
About Paydentity Authenticated
Paydentity Authenticated uses the Paydentity Core process and links the verified payment instrument to a two factor authentication
(2FA) for future transactions. This speeds up and simplifies the authentication of subsequent transactions, while complying with Strong
Customer Authentication (SCA) under the EU’s PSD2.
Made for 2FA
Paydentity Authenticated verifies the person’s ownership
of the remotely presented payment instrument and dynamically
links a 2FA process to secure future payments.
Mobile ready today
Mobile friendly SCA implementing 2FA via SMS and passcode,
delivering an intuitive user experience.
Paydentity Authenticated Benefits
EU PSD2 compliance
Compliance with European Banking Authority ‘SecuRe Pay’
requirements for PSD2, giving liability shift for SEPA issued
cards, via the global Card Scheme rules.
High conversion rates
The intuitive, user-friendly process takes place post-checkout
thus avoiding the high abandonment rate of complex,
manual solutions. iSignthis also allows for a customised
workflow that is flexible to your own jurisdictional and
on-boarding requirements.
About iSignthis
iSignthis Ltd (ASX : ISX) is the global leader in dynamic, digital AML/CTF KYC identity proofing.
Our Paydentity solution incorporates real time electronic verification to converge remote payment
authentication and KYC identification. This delivers automated customer on-boarding with a global
reach of any of the world’s 3.5Bn financially included persons, no matter where they are located.
iSignthis’ unique solutions protect online customers whilst assisting merchants with CNP liability
shift and providing operators with 100% confidence.
Get in touch
For further information about iSignthis
or our products please contact us at:
t
e
w
+61 386 400 900
contact@isignthis.com
www.iSignthis.com
Learn more
Stock Exchange: iSignthis Ltd (ASX :ISX)
LinkedIn: iSignthis Ltd (ASX : ISX)
Twitter: @iSignthis_Ltd
Facebook: iSignthis Ltd
Google Plus: iSignthis Ltd
PaydentitybyiSignthis
For example:
new customer
Paydentity Core
process performed
and achieved
Future ongoing
transactions
Customer makes
a purchase
Dynamically link customer
identity and payment
account with two factor
authentication (2FA)
Customer completes
a 2FA
1st
Factor
User selected
passcode
2nd
Factor
One time password
by SMS
Paydentity
Authenticated achieved
(Strong Customer Authentication)
Paydentity
Authenticated achieved
Start
existing customer
5. CNP
Fraud Protection
Paydentity Protect
About Paydentity Protect
Paydentity Protect uses the Paydentity Core process to protect merchants from both third party and “friendly” Card Not Present (CNP)
fraud. Paydentity Protect proactively eliminates 3rd
Party CNP fraud whilst also reversing friendly fraud, by providing compelling evidence
to defend against chargebacks.
About iSignthis
iSignthis Ltd (ASX : ISX) is the global leader in dynamic, digital AML/CTF KYC identity proofing.
Our Paydentity solution incorporates real time electronic verification to converge remote payment
authentication and KYC identification. This delivers automated customer on-boarding with a global
reach of any of the world’s 3.5Bn financially included persons, no matter where they are located.
iSignthis’ unique solutions protect online customers whilst assisting merchants with CNP liability
shift and providing operators with 100% confidence.
Get in touch
For further information about iSignthis
or our products please contact us at:
t
e
w
+61 386 400 900
contact@isignthis.com
www.iSignthis.com
Learn more
Stock Exchange: iSignthis Ltd (ASX :ISX)
LinkedIn: iSignthis Ltd (ASX : ISX)
Twitter: @iSignthis_Ltd
Facebook: iSignthis Ltd
Google Plus: iSignthis Ltd
PaydentitybyiSignthis
How Paydentity Protect Works
Paydentity Protect is achieved by allowing the merchant to customise when the customer is deemed trustworthy enough to move from the
Paydentity Core process to Paydentity Authenticated.
Paydentity Protect works in three simple steps:
Prevention: Proactively prevents fraud by positively verifying the customer is the card owner. No more guess work through predictive risk
based systems.
Deterrence: Customers are deterred from false charge back claims, as they are aware their merchant and Payment Service Provider (PSP)
have substantial data and metadata evidence linked to the transaction.
Response: iSignthis is able to report on an extensive range of data and metadata evidence collected during a transaction for
a merchant responding to a chargeback claim.
For example:
The customer repeats
this for future
transactions until
deemed trustworthy
by the merchant
Future ongoing
transactions
Start
Eg. Customer makes
a $100 transaction
If the merchant deems the customer
trustworthy they can choose to progress
the customer to Paydentity Authenticated
Eg
The two amounts
making up the dynamic
secret are entered into
the iSignthis portal
Paydentity
Core achieved
(Payment Instrument Verified)
Paydentity
Protect achieved
(Liability shift, evidentiary
trail initiated)
Customer retrieves the dynamic
secret from their online bank
Eg
Paydentity Authenticated
begins. Customer completes
two factor authentication (2FA)
1st
Factor
User selected
passcode
2nd
Factor
One time password
by SMS
Paydentity Core begins.
Transaction is split into
two amounts, creating
a dynamic secret
Proactively deters fraud before it has happened
Eliminate third party fraud to near zero
Deter and respond to “friendly” fraud
Produce the evidence to reverse chargebacks
Paydentity Protect Benefits
Accept all 30+ cards schemes with confidence
Eliminate customer abandonment of complex manual processes
Eliminate complex business logic
Reduce reliance on predictive systems that often lead
to false positives or false negatives
6. Digital KYC
Paydentity Verified
How Paydentity Verified Works
Paydentity Verified uses the Paydentity Core process, taking a customer’s online purchase/deposit and splitting that transaction amount
into two charges, a random and balancing charge, in order to form a secret. Together the value of these secret charges add up to the
original transaction amount. The customer is then required to independently access their transaction list/account using their secure
credentials, in order to retrieve the value of the two secret charges. Confirmation of the secret successfully identifies a customer.
Paydentity Verified then uses one or more cascading checks to verify any specific personal details required by national KYC rules.
Analysis of the captured data and metadata gives a robust confidence score of the verified identity.
About Paydentity Verified
Paydentity Verified uses the Paydentity Core process to unlock the KYC in a regulated payment instrument to satisfy Anti-Money
Laundering (AML) and Counter Terrorist Financing (CTF) regulatory requirements. Paydentity Verified provides a compliance solution for
regulatory KYC requirements, including the AML 3rd
and 4th
Directive, the U.S Banking Secrecy Act and the Patriot Act. This allows for
enhanced customer due diligence, has a 100% global reach for financially included persons, and minimises manual KYC processes.
About iSignthis
iSignthis Ltd (ASX : ISX) is the global leader in dynamic, digital AML/CTF KYC identity proofing.
Our Paydentity solution incorporates real time electronic verification to converge remote payment
authentication and KYC identification. This delivers automated customer on-boarding with a global
reach of any of the world’s 3.5Bn financially included persons, no matter where they are located.
iSignthis’ unique solutions protect online customers whilst assisting merchants with CNP liability
shift and providing operators with 100% confidence.
Get in touch
For further information about iSignthis
or our products please contact us at:
t
e
w
+61 386 400 900
contact@isignthis.com
www.iSignthis.com
Learn more
Stock Exchange: iSignthis Ltd (ASX :ISX)
LinkedIn: iSignthis Ltd (ASX : ISX)
Twitter: @iSignthis_Ltd
Facebook: iSignthis Ltd
Google Plus: iSignthis Ltd
PaydentitybyiSignthis
For example:
Start
Paydentity Core
process performed
and achieved
Paydentity Authenticated
process performed
and achieved
Paydentity
Verified achieved
(Digital KYC)
Customer makes
a transaction
Personal
details verified
Email, mobile phone,
geolocation and address
Background check
FATF, ECB, optional
document capture
Match screening list
TC40, sanction list,
CIFAS list, Lea watch
lists, iSignthis PEP lists
and BYO PEP lists
Minimises manual processes
Our patented process unlocks the KYC in payment instruments by
using routine online transaction. With manual processes taking
between 3-21 working days, Paydentity Verified generates an
automated Digital KYC workflow in 3-5 minutes.
Verifies current identity
By generating the KYC data in real time, our data, metadata
and analytics are based on live, not historic, data, providing
up to date KYC.
Fast and flexible on-boarding
The intuitive, user-friendly process takes place post-checkout
thus avoiding the high abandonment rate of complex, manual
solutions. It also allows for a customised workflow that is
flexible to your own jurisdictional and
on-boarding requirements.
Paydentity Verified Benefits
Sanction, PEP & fraud screening
We cross check for sanctions, law enforcement or PEP lists,
and we check the metadata such as characteristics and network
data to see if they are inconsistent with the customer’s declared
identity. iSignthis features in built Sanction Screening and
allows import/export of KYC data from/to your PEP provider.
Global reach
We can reach 3.5Bn financially included persons, located in
over 200 countries. If your customer is able to make an online
payment, our Paydentity Verified process can usually be applied.
Real time analytics
Comparative analytics across payment data, cellular and
internet metadata, device information and geo-data, language,
together with TOR, proxy and IP screening.