※ SAFr Smile
Establishing trust digitally is a challenge; provide a customer with a 'smile' underpinned by real-time risk-decisioning technology.
SAFr Smile
SAFr Auth.
SAFr Auth is the ‘building blocks’ of Mobile Identity. The Internet’s missing Identity Layer. A passwordless, secure, real-time authentication method that’s 13x better and far more reliable than SMS OTP, Passkeys & biometrics. Discover why tier-1 banks and fintechs are replacing SMS OTP with SAFr Auth.
- One simple API connects to the mobile network operator in real-time to verify a number belongs to a real human being.
- SAFr Auth provides a complete seamless authentication experience; the user does not need to do anything – perfectly balancing convenience and security. 6x faster than SMS OTP too.
- 100% of mobile devices are enabled for SAFr Auth as it uses the SIM in any phone. It's inclusiveness by design as SAFr Auth maintains the same level of security even on basic handsets.
- SAFr Auth does not need any additional user account to be created which rely on passwords.
- SAFr Auth uses cryptography similar to Passkeys, but the cryptographic key is already in the SIM and does not need to be set up unlike Passkeys. The cryptographic key and the algorithms use the SIM as a secure hardware, unlike the Passkeys relying on the security of the device.
- SAFr Auth is not impacted by generative AI - a looming trillion-dollar fraud problem - as it is impossible to spoof.
SAFr Embrace.
SIM Swap.
Powered by secure and verified real-time operator data, SIM Swap enables you to discover early and powerful account takeover fraud signals before approving a payment, transaction or accessing an account
- SIM Swap uses the mobile number of the customer to determine when the SIM card or e-SIM was last changed.
- This information is, crucially, in real time; scammers have a very narrow window in which they need to reset passwords and gain access to accounts so must act fast. Others' SIM Swap data can be up to 3 days old and totally ineffective at flagging fraud about to happen.
- Totally secure. Sekura.id's solution uses exclusively secure mobile network operator data to provide SIM change information. The SIM cannot be spoofed by individuals or malware.
- 2FA methods such as SMS OTP cannot be trusted if a SIM is swapped - the OTP will go to the scammer. This is where SIM Swap can alert you so you can stop a transaction as part of your risk-decisioning process.
- On one trial for a client, a £25,000 loan application was declined and further investigation revealed it to be a team who had managed to swap a victim's SIM card.
- SIM Swap fraud is increasing every year, it is a devastating and easy-to-perpetrate fraud that allows scammers to empty bank accounts and assume others' identities. Fortunately, Sekura.id has the tools to prevent it.
SAFr Smile.
Scam Detect.
Authorised Push Payment (APP) fraud is where people are coerced into making a payment to someone who is pretending to be someone else or for goods that don’t exist, let’s explore how SIM insight is combatting this insidious fraud:
- Sekura.id can tell, in real-time, if a call is in progress and in what direction - for example a call has come into their customer and has been in duration for 25 minutes
- Scammers are usually in contact with their victim for a prolonged time, gaining their confidence, before they ask them to initiate a transfer.
- This information can be layered into the risk-decisioning process for a bank, for example, who might want to investigate the transaction further or deny it immediately.
- This service can also be used in conjunction with SIM Swap and Call Forward to ensure that if a bank contacts their customer, they are not actually contacting the scammer.
- APP fraud causes financial stress and heartache and many major banks reimburse their customers which costs them many millions.
- What sets Sekura.id's service apart is that because we connect to mobile operators in real-time, APP fraud can easily be prevented before it happens, saving distress for the customer and reimbursement for the bank/enterprise.
- Although the most obvious use case is banking, many other verticals can benefit from Scam Detect.
SAFr Embrace.
Tenure.
Knowledge is the key to building trust in your customer – Identify genuine, trusted customers with the power of the SIM card: a simple but devastatingly effective verification tool.
- In the financial sector, individuals with a long history of using the same mobile phone are more likely to have a substantial credit history. Lenders can use this extended history to assess creditworthiness and make informed lending decisions.
- A prolonged mobile phone tenure can be a valuable factor in identity verification. It is more challenging for fraudsters to maintain a stable identity over an extended period. Therefore, a long tenure with a single device can boost confidence in the authenticity of the user's identity, reducing the risk of identity theft.
- A more humanised method, in a passwordless world, to determine reliability - the unique identifier is the mobile number, the tenure a clue to the degree of trust.
- Check a number hasn't been changed since last login - vital if you use a mobile number as a primary login factor.
- Helps with targeting, databasing and marketing - not logging in for a while: are you still live? Should you send a discount code? Should you purge this number etc.
SAFr Smile.
Operator Lookup.
Operator Lookup & Operator Lookup Plus are Sekura.id APIs that return the home network of a mobile number as well as other basic attributes that can be used in simple validation checks.
- Check if a mobile number that is being used during a registration process is a real number and assigned to a mobile operator.
- Establish a level of trust in a mobile number during a transaction, checking that the number is currently connected to the network.
- Returns basic information such a Mobile Country Code (MCC), Mobile Network Code (MNC) and a readable name for the mobile operator the number is assigned to.
- Can be used as part of a very basic, low cost, high volume validation check around the validity of a mobile number.
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SAFr Pulse
A phone number is the conduit to someone’s digital persona; you get your first phone around the age of eleven, and establish a presence online from then.
A tenure of relationship you can leverage to facilitate positive experiences.
However, we lose touch, but It’s essential you know whether that number is still reachable before you try anything else.
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SAFr Embrace
SAFr Embrace is made up of services like Call Divert, Mobile-to-Person-Match (MPM) and more.
Loyalty is becoming nigh on impossible to achieve; delivering an experience akin to a secure, comforting hug gives you a unique opportunity to create a special bond.
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All products
Everything in one place; a complete range of unique Mobile Identity products and services all available through one single API call.
Let's protect your customers together.
Got questions? Everyone is different, everyone has their own pain points or specific issue they need to solve. With 66 separate data signals available from the SIM, we’ve likely got the answer and can work with you and your teams to protect your customers and your interests too. Talk to us today. You’ll be glad you did.
