Virtual Token™ multi-factor authentication is the next generation in online security. Virtual Token™ authentication utilizes recently developed government authentication standards in a breakthrough, patent-pending multi-factor authentication process. Instead of shipping expensive hardware tokens to your customers or asking your customers to install complicated digital certificates or other software, Virtual Token™ authentication permits your customers to use their normal computers, laptops, or other internet-ready devices to satisfy the "something the user has" requirement of multi-factor authentication.

With Virtual Token™ multi-factor authentication, there is:
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In a recent Credit Union Journal study of 121 credit unions, Virtual Token™ authentication was rated the most supportable of ALL multi-factor authentication methods. If your call center is burdened with calls from frustrated customers about expired or non-functioning hardware tokens, difficult-to-install digital certificates, or unpopular challenge question processes, consider providing your customers with an easier-to-use (and stronger!) Virtual Token™ alternative. Each customer that you switch to Virtual Token™ authentication reduces calls to your call center and saves you money on your support budget!
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Virtual Token™ authentication is stronger than traditional hardware token authentication yet it can be deployed and maintained for only a fraction of the same cost. Even if you have already deployed traditional hardware tokens to your customers, you can significantly reduce your ongoing maintenance costs by switching customers over to Virtual Tokens™ as their individual hardware token devices fail, expire, or are otherwise returned. Converting just 1000 hardware token users over to Virtual Token™ authentication can save your company as much as $40,000 (or more!) per year in device replacement, shipping, and maintenance costs!
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Any online authentication process that is difficult or unpleasant to use will drive away online customers. In the Credit Union Journal study cited above, credit unions that implemented traditional hardware token systems reported an average 16% drop in online customer activity. Digital certificate-equipped credit unions fared even worse, reporting an average 21% drop in online customer activity. By contrast, credit unions that deployed Virtual Token™ multi-factor authentication reported NO loss of online customers, the only perfect score in the study!
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Virtual Token™ authentication is based on extemely powerful device authentication protocols, not weak challenge questions. Challenge questions simply solicit more of "something the user knows" and do not satisfy the FFIEC's regulatory definition of "true multi-factor authentication". Soliciting personal information through challenge questions erodes customer confidence, assists fraudsters with compromising your customer accounts (by conditioning your customers to disclose personal information), and increases your company's liability under numerous state and federal privacy laws.

With Virtual Token™ authentication, there are:
Show your customers that you respect the privacy of their personal information by protecting their accounts with Virtual Token™ multi-factor authentication.
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Unlike challenge/response, secret image, and other knowledge-based systems, Virtual Token™ authentication is a "true multi-factor authentication" solution as defined by the FDIC and the FFIEC. Virtual Token™ authentication complies with section 8.3 of the PCI Data Security Standard and meets U.S. "Level 3" multi-factor authentication requirements as specified in NIST Special Publication 800-63.
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