According to the Nilson Report, credit card fraud causes damage to the global economy of $27.85 billion annually, and the damage is expected to reach $40.6 billion by 2027. In addition, incidents of information theft in the short-text one-time password (OTP) or digital authentication process used for bank account transfers continue to occur. Adding extra security layers and procedures for safer financial transactions is never the answer. SSenStone provides authentication solutions that allows anyone to conduct financial transactions easily and conveniently, as well as fundamentally block external threats in the identity and transaction authentication process.

TAP OTAC

As financial payments by physical card are still actively made worldwide, SSenTone provides card tapping mobile OTP that can be easily applied anywhere in the world. By embedding our OTAC Applet to payment cards, we guarantee a strong financial authentication service with both the security of hardware OTP and the convenience of mobile OTP.

OTAC Holderless Card

SSenStone’s OTAC Holderless Card provides safer and easier user authentication necessary for card issuance and activation through the card registration process based on the dynamic OTAC algorithm that changes in real time. 

OTAC Dynamic Token

OTAC technology can create an additional layer of security in the payment process by creating dynamic card information virtually without a network connection. This patented technology is a cardless transaction (CNP) security solution that replaces fixed card information with changing dynamic details, giving users security and complete control.