1. Cypak core technology Combat fraud and keep your customer happy
A new, cool and convenient way to identify your customers. For the eWallet, eBanking and eBrokerage industry.

2. The growing Internet fraud
Phishing - User is cheated to reveal username / password to aliens
Pharming / false website - User is cheated to reveal sensitive information on false web-site
Key-loggers - Alien code or hardware intercepting keystrokes
Trojans - Alien code eavesdropping sensitive information
Non-repudiation – User denies performed transaction

3. Hard facts on security
Static identities with username and password is not secure - Trivial to intercept and replay.
Two-factor authentication needed to provide security - Something to have and to know - Access to service not possible without a device - The user knows if the identity/device has been stolen
Secure authentication devices (used for eBanking, corporate login, etc) are often regarded as: - Awkward - Time consuming - Costly

4. Combining security with convenience
Cypak eSecurity - Two-factor authentication devices combining security, simplicity and branding
Keys
Cards

5. System components
The end-user Key or card + reader connected to the USB port
The merchant Authentication Software running on server
No client software required ! Works on all platforms !

6. How it works – the Key
1. Key in USB port connects automatically to your site 2. User enter username/password and press button on key
3. Username/pw and a one-time password is sent to the server

7. Key and Card with PIN-keypad
PIN entered on Key/Card keypad for additional security
Navigation to multiple sites and services

8. Security and system benefits
Insensitive to Phishing, Pharming, Key-loggers, Trojans - A new and unique access code is generated every time
Fights issues of non-repudiation - Strong two-factor authentication ties user to performed action
Unbeatable simplicity - Automatic navigation to specific website - Works in parallel with username/password – no extra step - Minimal redesign of existing website - No client software required at all - Works on all platforms (Windows, Mac, Linux, etc.) - Works on all browsers (Explorer, Safari, Firefox, etc)

9. The marketing opportunity
Increased trust - For the service provider and the user
Brand reinforcement - Corporate profile on Card or Key, exposed in physical wallet or keychain - Customized shapes and colours available for keys and Card readers
Enhanced credit limits - Stronger authentication enables higher credit limits
Card can be combined with withdrawal functionally

10. For more information or