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// Adaptive Multi-Factor Authentication

AUTHENTRICA

CERF’s Adaptive Multi-Factor Authentication empowers businesses and enterprises to give customers a secure and seamless way to execute transactions. Adaptive MFA provides a wide spread of authentication factors, gives insights from millions of end users, and authentications, and can seamlessly integrate with your business application.

MFA requires one or more additional verification factors, which decreases the likelihood of a successful cyber-attack.

MFA enhances organizations’ security by requiring your users to identify themselves by more than a username and password, as passwords and usernames are vulnerable to brute force attacks and can be stolen by third parties. Enforcing the use of MFA factors like a thumbprint or facial recognition will increase the confidence of organisations against cyber-attacks.

Adaptive Authentication analyses additional factors by considering context and behaviour when authenticating, and often uses these values to assign a level of risk associated with the login attempt. For example:

  • Location from where the user is trying to access the application.
  • The time slot during which the user is trying to access the application.
  • The change in device type usage.
  • The network connection properties

The risk level is calculated based on how these data patterns are and can be used to determine whether or not a user will be prompted for an additional authentication factor.

Key Factor of CERF Adaptive MFA

Authentication via Possession

1-OTPs generated by smartphone apps
2-OTPs sent via text or email
3-OTPs sent via Flash or Voice Calls

Authentication via Inherence

1-Fingerprints, facial recognition, voice, retina or iris scanning or other Biometrics
2-Behavioural Biometrics

Core Elements of CERF Adaptive MFA

Strengthen Security and Authentication

Implement secure and customizable authentication use cases with the flexibility to design Multi-Channel OTP flows and Risk-based multi-level Authentication factors available over flexible APIs.

Enhance Customer Experience

Seamless customer authentication experience with minimum manual intervention without compromising security standards.

Reliability and Scalability

Ability to meet customer transactional scale with Enterprise-grade scalability and reliability standards, ensuring business continuity for Enterprises 

Cost and Operational Efficiencies

Ensure OTP delivery maximization in the shortest possible time and minimum cost, enabling enterprises to achieve exceptional customer experience and cost benefits.

Key Features of CERF Adaptive MFA

Flash Call Verification

CERF’s state-of-the-art Flash Call Verification process ensures faster, and a cost-effective customer log in/transaction authentication. Flash call verification automation makes the authentication process seamless and take customer experience to the next level. Cost- effective Flash call verification can reduce OTP costs by more than 60 %.

CERF Assistant

Implement secure and customizable authentication use cases with the flexibility to design Multi-Channel OTP flows and Risk-based multi-level Authentication factors available over flexible APIs.

Advanced Analytics Backed By AI

CERF’s next-generation AI-based Behavioural biometric authentication methods help in identifying a user based on unique patterns exhibited when they interact with a personal digital device such as a tablet, smartphone or computer. The factors considered include everything from finger pressure on the keypad to the angle at which you hold your phone. With behavioural biometrics, it’s about how the person is using the device — the speed of their typing, how they use their mouse and more — instead of whether their password was entered correctly.

Recommendation Analytics

AI/ML-powered recommendation engine empowering an Enterprise to choose the right channel of delivery for each recipient ensuring delivery maximization, and cost minimisation.

Multi-Channel OTP Verification

The platform gives Enterprises the Flexibility to send OTP across channels such as Flash Calls, SMS, Email, Voice Calls, Mobile Push Notifications, and WhatsApp. Enterprises can choose the channel of OTP delivery based on factors such as use case, cost, time and reliability.

Auto Parsing Of OTP

The Enterprise can use CERF assistant SDK in their Mobile application enabling.

  • Auto parsing of the OTP token sent over SMS and Flash Call
  • Enhanced Customer Experience
  • Behaviour Biometrics AI

    CERF’s AI-based Behavioural biometric authentication methods help in identifying a user based on unique patterns exhibited when they interact with a personal digital device. Behavioural biometrics, it’s about how the person is using the device - the speed of their typing, how they use their mouse - instead of whether their password was entered correctly.

    Visualizations And Reports

    Get deep insights with data visualizations and dashboards to get a 360-degree view of the OTP token journeys across delivery channels.

    Authentication App

  • Has the capability to generate authentication tokens based on Secret questions & Time and Sequence counter with validity.
  • Works even in absence of data network coverage.
  • Available for both iOS and Android.
  • Multi-Channel Authentication Token Journey Flows

    CERF Adaptive MFA gives Enterprises the flexibility to define Multi-Channel Authentication Journey Flow. The user can define flow enabling Multi-Channel concurrency, retry and fallback. Define adaptive flows based on the risk rating. The adaptive flows can have 2 or more factors of Authentication such as Multi-Channel OTP delivery, Physical Biometrics.

    Tips/Alerts To The User

  • In case the delivery has failed on the number or the number is out of coverage
  • Options to try OTP from alternate channels – Voice, Email, WhatsApp, Flash Call or verify number over an In-dial.
  • Authentication OTP Generator

    A software-based dynamic OTP generator with time validity.
    1-Based on time synchronization between the authentication server and the client providing the password (like an OTP generator in Hideez Key)
    2-Based on a mathematical algorithm to generate a new password based on the previous password.
    3-Based on a mathematical algorithm where the new password is based on a challenge (e.g., a random number chosen by the authentication server or transaction details) and/or a counter.

    Actionable Insights Enabling

  • Cost Optimization
  • Delivery Time Minimization
  • Delivery Optimization