Online transactions are scrutinized by hackers who want to turn the e-transaction to their benefit. Fraud schemes are becoming more and more sophisticated, such as man-in-the-middle and man-in-the-browser attacks. Banks are increasingly adopting defense mechanisms using electronic signatures for signing transactions.

DIGIPASS 836 offers a solution against man-in-the-PC and man-in-the-browser based fraud. All transaction data are displayed in a trusted environment and approved with a mandatory "OK" push on the button by the end-user.

DIGIPASS 836 reduces the level of user interaction for authentication, resulting in increased user acceptance for the use of e-signatures in high-risk internet banking transactions.

Optical interface for a trusted enviroment

The optical interface is a feature that automatically downloads data from the PC display on to the DIGIPASS 836. This feature increases the end-user acceptance dramatically since a data transfer is completed within a few seconds. The interface does not require any software or driver as the communication is established through a flashing pattern on the user’s PC (Javascript, Animated Gif or Adobe Flash) and the photo sensors of the DIGIPASS 836.

Customizable positioning icons on the DIGIPASS 836 overlay enable the compatibility of the optical interface with any screen size and resolution.

User-friendly

DIGIPASS 836 is self-explanatory in use. Its new design further enhances user-friendliness. DIGIPASS 836 allows the use of larger character sets to be displayed on the screen to improve readability. If required by the end-user, OTP and e-signature codes can be magnified and displayed using the full size of the screen. Both features add to the user-friendliness for elderly people, considering electronic banking has become extremely popular with the elderly.

1. Cardholders simply insert their standard EMV chip card into DIGIPASS 836, and type their PIN for two-factor authentication (something they know, something they have).
2. Each time a user enters his PIN, a one-time password (OTP) is generated and displayed.
3. The user can type this dynamic, secure password to become authenticated over the bank’s network. This dynamic password cannot be used more than once and can only be  verified by the issuing bank.

The verification of the OTP or e-signature demonstrates the cardholder’s identity and allows access to the network from any terminal on any platform.

DIGIPASS 836 can be used in conjunction with VASCO’s VACMAN Controller authentication platform. For payments, DIGIPASS 836 can also be integrated into the 3D-Secure architecture and allows the cardholder to sign some key data of the transaction.

Easy to deploy and integrate

DIGIPASS 836 is a platform-independent card reader which can easily be rolled out to a vast amount of end-users. Each reader is identical; as a result it does not require personalization prior to customer delivery. Therefore, production and distribution can be managed in a very cost-effective way.

DIGIPASS 836 can also easily be integrated into a 3D-Secure architecture, allowing the cardholder to use it for online payment by entering key transaction data before authorizing payment. Here again, using DIGIPASS 836 for online payment purposes does not require a connection to a terminal or PC, nor does it require the installation of client software or drivers.

DIGIPASS 836 combines the intrinsic security of a smart card with the flexibility of an authenticator. Tthanks to its user-friendliness the cost of helpdesk support is significantly reduced resulting in a lower management cost of the security infrastructure.

Ecological footprint

DIGIPASS 836 with replaceable batteries helps banks comply with new ecological policies and regulations. The authentication device has two removable batteries which can be easily replaced by the end-user.

Benefits

• Replaceable batteries help to reduce ecological footprint
• Optical interface
• Easy to deploy to large customer base
• No installation of drivers or software required
• Easy to integrate
  • platform-independent
  • easy integrationinto 3D secure architecture
• Low total cost of ownership:
  • no personalization required
  • reduced helpdesk costs thanks to intuitive use
• User-friendly personalization required
  • self-explanatory to use
  • enhanced design with large character sets that can be magnified
• customizable with bank's corporate logo and colors to enhance brand recognition 

Features

Display: High contrast, LCD (80x 16 dot matrix line).)

• Optical Interface: 5 photo sensors, 45° tilt angle, screen protective rubber
• Size: 85.8 mm (l), 63 mm (w), 14.8 mm (h)
• Weight: 65 gram
• Keypad: Tactile keypad with silicon rubber key printed with an epoxy layer. Resistant to over 100,000 rubbings. 10 numeric keys, 6 function keys
• Battery Lifetime: replaceable batteries (dual 2032 battery cell)
• Standards
  • HHD 1.4 (Germany)
  • HHD ZUR TAN-ERZEUGUNG (Austria)
  • Mastercard(2004, 2007)
  • VISA dynamic passcode authentication version 1.1
  • Advanced Authentication for Chip (CAP E, PLA)
  • CAP User Interface specification - UK Implementation (APACS)
• Logo: the bank’s logo can be printed on the reader. Color of the casing can also be customized