Deliverables:

• Security and ID layer is entirely off net (including setup) - no part of the security process travels online nor is visible online.
• Instant user setup (90 seconds) - no dispatch of tokens nor time delays for setup.
• Multiple authentication methods – PIN, voice biometrics and other (up to five factors).
• Multiple outcomes - end user can approve a transaction or easily cancel it or flag it as fraudulent indicating various type of fraud.
• Instant feedback to institution regardless of transaction type or outcome.
• Criminal deterrent – institutions are more likely to catch criminals based on instant automated feedback from the end user.
• Private information (accounts / securities / card details) are not required nor visible on this layer nor in the public domain.
• Transaction initiation and authorization is possible without disclosure of account information online nor to the Qpay system.
• Strong masking keys (partitioning) are utilized between the authentication layer and the application layer - the details required for authentication are strongly separated from bank account and card details so if the secure layer is compromised the information is meaningless.
• Simple and attractive for user which drives uptake and reduces errors.
• Substantially lower total cost of ownership than traditional technologies.