Its true that online banking
has made managing our finances easier.
However, it has also made customers and
financial institutions susceptible to
"phishing" sites designed to
con you into divulging sensitive financial
information. With an estimated more than
11,900 phishing sites active, it has become
a huge tool for identity-theft scammers.
That's why at Independent Bank
of Texas we are taking the next
step in safeguarding your identity and
financial information. IBT provides our
customers with a next generation multilevel
authentication process. This process is
a password enhanced PC forensics solution
that identifies each customer by their
password and specific computer being used
and matches it with a secret unique image
displayed on your login page. Not only
is your identity proven to IBT website,
but our website also proves its identity
to you.
IBT's Identity Theft Solution
combines the traditional user name and
password with the user computer's unique
fingerprint resulting in an end-to-end
protection against phishing, spoofing,
keyboard logging and other fraudulent
attacks. Along with the increased protection,
implementation is done without the need
for new software. For customers with more
than one PC, authentication confirmation
is done through emailing a one-time password
or by answering a unique question.
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Next Generation Multilevel
Authentication Process
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01
| USER VERIFICATION
Using secure cookies and Macromedia Flash
shared objects, the user's computer is
registered with a single device ID. IBT's
ID Theft Solution examines a number of
the user computer's characteristics to
create a unique fingerprint that is checked
each time the user logs in. With this
security measure in place, criminals are
unable to access account information even
if they have the username and password.
02 |
WEBSITE VERIFICATION
In addition to the extra security measures
taken on the user's end, IBT's website
must prove its authentication to the
user. This is done via a secret image
chosen from more than 50,000 that is
unique to each individual customer and
is displayed on the login page. This
visual security measure insures that
the user is on the correct website and
not on a phishing or spoof site.
03 |
LOGIN VERIFICATION
Once the user's computer and company
website are verified, the user then
enters their username and password to
complete the login process. If IBT's
Identity Solution detects anything suspicious
during the login process, the user is
asked to verify their identity by answering
a challenge question. If answered correctly,
the unique image appears and they can
then enter their password to complete
the login.
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