One-time password authentication during remote transactions
Our multifactor authentication, or one-time password (OTP), solution is a two-factor authentication service that you can add to your current authentication processes while still minimizing friction for the end user.
Experian’s solutions enable you to increase your pass rates, confirm device ownership to ensure you’re reaching the right consumer for authentication, and add security to risky or high-value transactions.
With Experian’s OTP solution, you can provide faster, more agile mobile transactions while executing identity verification and fraud detection to protect your business from risk.
Multifactor authentication provides confidence while reducing friction
Our two-factor authentication solution enhances your existing authentication process without causing user fatigue. Risk-based authentication tools allow you to assess risk to apply the appropriate level of security.
Generate unique OTPs
We create a new OTP for each transaction, increasing the level of security.
Confirm device ownership
Our multifactored approach appliesdeviceintelligence checks to increase confidence that the message is reaching the correct user.
Maintain low friction with secondary options
If the OTP fails or can’t be attempted by the user, our solution allows for an automatic default to another authentication service, such as a knowledge-based authentication solution, decreasing end-user friction.
How we can help
Our configurable, hosted and seamless multifactor authentication solutions can be tailored to meet your business needs.
Document verification
Combine biometric and document verification to digitally verify and confirm identities in near real time — with the highest level of identity assurance.
One-time passcode
Deliver a time-sensitive, one-time passcode to an Experian-verified mobile number for a simple, secure and familiar verification method for consumers.
Knowledge IQ℠
Quickly authenticate customer identities with knowledge-based questions that are generated from a wide dataset of personal information.
Industry-specific intel
Check out the industries we serve.
Frequently asked questions
What’s multifactor authentication?
Multifactor authentication is a user authentication process where the user is granted access to a platform, application, etc., only after they present two or more identity verification elements. These may include a password, a single-use code, or a unique piece of knowledge.
What’s a one-time password?
A one-time password is a single-use password or code provided to a user as part of a multifactor authentication solution. The code is provided to the user via a secured, previously approved channel to provide an extra layer of security during the authentication process.
What’s knowledge-based authentication?
Knowledge-based authentication is an identity verification step that asks the user a question to which only they should know the answer. It’s designed to prevent identity theft and other types of third-party fraud by asking questions that are easy for the real consumer and difficult for fraudsters.
Insights
Take the next step in multifactor authentication solutions
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