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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
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
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
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
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
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.

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Dollar_iSignthis brochures

  • 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.