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| Secure
MOBILE BANKING |
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Discover how
the IPCryptSIMTM excites the financial world as finally having
an highly secure means to offer mobile banking services to their clients, without
the nagging risks that made previous mobile banking initiatives more problematic and
insecure. Read about how the IPCryptSIMTM will make your step into
mobile banking risk-free and easy-to-use.
In addition the IPCryptSIMTM
has demonstrated a new way of 2nd-Factor authentication required
when you want to access and manage your online bank account from your PC.
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Financial services organizations face a new
strategic challenge, m-commerce. The
wireless channels being created by the
collision of the mobile and Internet
technologies, are opening up a new landscape
of threats and opportunities. Mobile payment
is using the mobile phone at the
point-of-sale instead of using credit or
debit cards. This provides an unparalleled
shopping experience combining ease with
flexibility.
IPCryptSIMTM is the answer to secure mobile banking
All mobile devices, whatever type, brand or model, use
a SIM card to operate. Without it you would not be able
to switch on your mobile device. The SIM card is the only
part of the operator’s network that connects and authenticates
the subscriber to the network.
IPCryptSIMTM resides on the SIM card of every type of mobile
device to allow you to secure SMS messages. Its ease of use
interface offers a simplified method of data input to make
it a “simple-click operation” with remarkable user friendliness.
IPCryptSIMTM facilitates the exchange of private, secure SMS text
messages. IPCryptSIMTM can keep eavesdroppers, intruders, paparazzi,
stalkers, and other "monitors" out of your business. IPCryptSIMTM
combines the discretion and mobility of "texting" with the privacy
and security of modern cryptography.
IPCryptSIMTM uses RSA encryption algorithm and offers a 1,024-bit
key length with a 128-bit encryption.
With these highest security standards, an all social levels reach and
ease-of-use for a use anytime-anywhere, IPCryptSIMTM is today’s single
answer for completely secure mobile banking.
When using the IPCryptSIMTM m-banking service, the customer sends an
encrypted text message (SMS), requesting the bank that he wishes to view
his/her account balance, control account movements, make a payment or simply
administer his account. He receives an encrypted text message on his/her
mobile phone with the requested details. The SMS is sent from the bank’s GSM
Mobile Payment server. After this, the customer uses his personal pass-word,
which is chosen when registering as service user to decrypt the message. In
case of a payment, the chosen account is charged and payment transferred to
the merchant.
IPCryptSIMTM use-cases in m-banking
Request of account balance - The user is in a mobile situation (e.g.
in a department store) and intends to know his account balance, e.g.
to verify his account before realizing a spontaneous purchase.
Resulting need: Quick obtainment of account balance. Control of account
movements - The user is waiting for an important cash receipt on his account.
He intends to have the exact details of the cash receipt.
Resulting need: Continuous control over movements on the account.
Instant payment - The user is in a mobile situation and intends to
make a payment by bank transfer from his account.
Resulting need: Instant execution of a bank transfer.
Instant payment - The user is in a mobile situation and intends to make a
payment by bank transfer from his account.
Resulting need: Instant execution
of a bank transfer.
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