Changing the way wireless financial transactions are secured.


Our Solution for Securing Financial Transactions

In today’s world of e-commerce, deploying a secure authentication solution for online accounts has become critical to bolster consumer confidence. In addition to securing online access, we believe that a transaction protection solution that verifies and/or challenges high-risk transactions on the Internet is also an essential part of a layered security strategy.

E-commerce transaction security is constantly being challenged by man-in-the-middle (MITM) attacks while new security threats are on the rise such as man-in-the-browser (MITB) attacks. MITM attack is the type of attack that involves a hacker eavesdropping on an internet session and connection, intruding into that connection, intercepting messages, and selectively modifying data. MITB attacks can infect a web browser and has the ability to modify web pages, modify transaction content or insert additional transactions, all in a completely covert fashion invisible to both the user and host web application. The only way to defeat MITM and/or MITB attacks is by utilizing an out-of-band transaction verification and authentication solution that is consumer friendly, cost-effective, easy to manage and deploy.

  • Patented technology U.S. Patent #6,993,658
  • Efficient out-of-band transaction verification utilizing ubiquitous text messaging
  • Zero-footprint technology requiring nothing to install on mobile devices
  • Increased protection against advanced threats such as man-in-the-browser and man-in-the-middle attacks
  • Reduce online fraudulent transaction activity and account takeovers
  • Increases reliability of security for online debit card transactions without PIN exposure
  • Ability to access lower processing fees associated with “secure” debit cards
  • Bolster consumer confidence and loyalty towards e-commerce merchants

DynaPay™ Transaction Verification Process

  1. Customer logs to store website.
  2. Customer orders store items.
  3. Customer goes to check out and enters payment and shipping information.
  4. Customer clicks 'Place Order' button.
  5. A 'one-time-pin' will be sent via SMS to the customers mobile phone.
  6. Customer enters PIN into OTP prompt within the allowed time frame.
  7. Once OTP is verified, the transaction will be complete and the order placed.
  8. Customer receives order confirmation.