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Simple and secure way to sign transactions and e-documents in a smartphone

PayControl — is a software platform with "digital signature in a smartphone" with a high level of security and easy way to sign any operations generated via any digital channels.

Demonstration

With PayControl you can sign any transaction and e-document just in one tap. PayControl does not use SMS or PUSH-notifications, that can be easily intercepted.

PayControl is not only easy-to-use, but also secure thanks to e-signature that is generated to confirm each operation and does not allow to change operation details.

The solution can be integrated both into mobile and internet banking. Moreover, an adaptive authentication and biometrics can be integrated into the platform as an additional protection factor.

Asymmetric cryptographic built in PayControl to create a 'digital signature' implies that digital keys are generated and stored strictly on the side of bank’s clients and cannot be intercepted as well as signature cannot be produced by any third party.

Key points

Confirm and digitally sign any transaction or document in one tap - no more hardware solutions, such as hardware tokens, OTP-generators or scratch-cards, are required to generate a digital signature.

  • Any transaction or document appears right in a smartphone;
  • No dependence on mobile operator service or SMS delivery time;
  • Availability to use the app in off-line mode even in roaming or airplane mode.

High level of security and antifraud protection:

  • Unauthorized access risk protection even in case of device loss;
  • Full transaction details appear on your screen right before signing;
  • PayControl does not use SMS and PUSH-codes, that can be intercepted.

PayControl security

Features to support the security of transactions:

  • Digital signature in PayControl is formed on the basis of four components: operation details, e-signature generated time, user's key and fingerprint;
  • PayControl’s backend app storage protects from phishing, social engineering and data switching.

Security of key user's information:

  • A key is generated in a user's smartphone and stored safely in an encrypted form;
  • Two independent communication channels are used to activate PayControl mobile app in a user's smartphone.

Non-repudiation for transactions:

  • User confirms not just payment details, but also 'sign' to be notified about status of transaction;
  • PayControl uses asymmetric cryptographic algorithms, thus, an e-signature can be generated only by the user.