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| Credit is seldom "yes" or "no." Decision Navigator
gives you the flexibility to offer instantaneous options to your consumers. |
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| Establish trusted relationships with previously unknown trading partners, speed and protect communications with trusted associates and employees through our PKI Manager Family line of digital certificate services. |
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| Decreasing risk and liability while making it easy and pleasant for consumers to purchase from your site are primary goals for e-commerce concerns. Equifax Secure Solutions not only allow you to meet your goals, they provide an authenticated consumer base with access to your site. |
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| On-line new account opening carries a much higher level of risk to businesses than do traditional, in-person account openings. "Invisible" consumers can more easily assume a fraudulent identity than can "visible" ones. |
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| Are you a bank offering credit cards? |
| On-line credit account acquisition is an effective response to increased competition only if risk can be controlled, and consumer assets protected. Additionally, your investment in time, equipment and personnel must be minimal. |
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| Are you a retailer with a proprietary card? |
| As time constraints and personal convenience impel more and more consumers to the Internet, retailers must aggressively move on-line to maintain and expand their credit card holding base of consumers. But, profits cannot suffer from the increased risk of fraud. |
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| Do you need? |
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Instantaneous results |
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Applicant identity verification |
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Credit assessment based on customised criteria |
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Multi-level flexibility |
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Higher profit potential |
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Site security |
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| Your Equifax Secure Solution |
| New account decisioning has never been easier or more reliable with eIDverifier and
Decision Navigator, secured by eBusiness ID Web Server Certificates. |
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| Our seamless, fully automated services start with protected communication by means of an eBusiness ID Web Server Certificate, accepted by 98% of all web browsers. |
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| Our authentication engine, eIDverifier, enables you to substantially reduce your risk of fraud by formatting and verifying the applicant information provided. Its Interactive Query allows applicants to prove they are who they say they are. |
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| The fully automated, customisable features of Decision Navigator
ensure consistent, objective decisioning based on your strict standards. Its unique flexibility permits multi-level consumer assessment based on varying account options and promotions. |
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| This powerful combination of our proprietary software, backed by the highest of industry standards, state-of-the-art technology and data-management resources enable trusted, instantaneous response. |
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| And, because your solution is totally outsourced, you avoid costly investment in equipment, time and personnel. |
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| Protect and expand your credit account acquisitions with Equifax Secure's unique line of products and services. |
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| Is this you? |
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Extending new account credit to on-line consumers |
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Establishing new consumer relationships on-line |
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Working to minimise expensive off-line/manual processing. |
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Endeavouring to reduce costs and risk |
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Developing on-line security and encryption processes |
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| Many Internet services today facilitate transactions between other
parties, primarily on-line auctions. They may also include special interest groups, or
specialised services. |
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| Is this you? |
| Enabling communication between consumers and customers by means of your site. While often involving financial transactions, you may simply be allowing an exchange of restricted information. Site access is usually controlled via PINs. |
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| Auction |
| Increasingly popular with on-line consumers, auction service providers are facing a number of challenges. These primarily relate to identity fraud and lack of payment between consumers using their site. In order to decrease consumer risk, with its accompanying loss of consumers and business revenue, auctions are taking stronger measures to protect site users by authenticating consumers, granting PIN access, and handling payment of funds. |
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| Bill Payment Service |
| Consumers increasingly are opting for simplifying their lives. Bill payment services offer the ease, quickness and convenience of paying bills from one source. Immediate transfer of funds avoids late fees charged when checks don't arrive on time. A major drawback for consumers is the fear that frauds could get access to their account numbers and transfer out large sums of money. Business faces same risk. If they allow fraudulent transfers of funds, the business itself is liable both for the money involved and any legal implications. Site security and consumer authentication is necessary. |
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| Discount Brokerage |
| Providing protected access to consumers, transferring funds, maintaining account information and establishing new accounts all require a high degree of security and speed. |
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| Researching or News Service |
| Both subscription researching services, and pay per document agencies need an easily used, service that protects secure information from unpaid access. |
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| Travel Agency |
| In this highly competitive field, profit per transaction may be minimal compared to volume. Agencies must have a means of protecting their investment by verifying the identity of purchasers, and guaranteeing payment. |
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| Virtual Wallet Registration |
| Simplifying life for consumers puts virtual wallets high on the list. Virtual wallets allow consumers to establish a certified identity requiring one-time registration, which is then accepted by all participating Internet businesses. Must make sure you are registering the "right " person. |
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| Your Equifax Secure Solution |
| A PKI Manager Family Digital Web Server Certificate, remote authentication and PIN assignment and management from PayNet
Secure. |
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| Equifax Secure's web server certificates enable secure communication between trusted parties. Using the most current and secure 128-bit encryption technology developed, they accepted by 98% of all web browsers. |
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| Our remote authentication engine, eIDverifier, accessed via PayNet Secure, verifies the identity of the applicant in a run-time application. PayNet Secure then issues a PIN to authenticated applicants. |
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| Do you need? |
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Complete application information from consumer |
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Immediate verification of Applicant ID |
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Secure transmission of data between one or more areas of web site |
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| Digital signature certificates establish the authenticity of your on-line transactions. |
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| On-line market research is a developing field. How can researchers authenticate the demographic data necessary for reliable study results? |
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| On-line new account opening carries a much higher level of risk to businesses than do traditional, in-person account openings. "Invisible" consumers can more easily assume a fraudulent identity than can "visible" ones. |
|
| Are you a bank offering credit cards? |
| On-line credit account acquisition is an effective response to increased competition only if risk can be controlled, and consumer assets protected. Additionally, your investment in time, equipment and personnel must be minimal. |
|
| Are you a retailer with a proprietary card? |
|
| As time constraints and personal convenience impel more and more consumers to the Internet, retailers must aggressively move on-line to maintain and expand their credit card holding base of consumers. But, profits cannot suffer from the increased risk of fraud. |
|
| Do you need? |
|
| • |
Instantaneous results |
|
| • |
Applicant identity verification |
|
| • |
Credit assessment based on customised criteria |
|
| • |
Multi-level flexibility |
|
| • |
Higher profit potential |
|
| • |
Site security |
|
|
|
| Your Equifax Secure Solution |
| New account decisioning has never been easier or more reliable with eIDverifier and
Decision Navigator, secured by eBusiness ID Web Server Certificates. |
|
| Our seamless, fully automated services start with protected communication by means of an eBusiness ID Web Server Certificate, accepted by 98% of all web browsers. |
|
| Our authentication engine, eIDverifier, enables you to substantially reduce your risk of fraud by formatting and verifying the applicant information provided. Its Interactive Query allows applicants to prove they are who they say they are. |
|
| The fully automated, customisable features of Decision Navigator
ensure consistent, objective decisioning based on your strict standards. Its unique flexibility permits multi-level consumer assessment based on varying account options and promotions. |
|
| This powerful combination of our proprietary software, backed by the highest of industry standards, state-of-the-art technology and data-management resources enable trusted, instantaneous response. |
|
| And, because your solution is totally outsourced, you avoid costly investment in equipment, time and personnel. |
|
| Protect and expand your credit account acquisitions with Equifax Secure's unique line of products and services. |
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| On-line consumer management of account queries, history and transactions allows consumers to take as much time as they need, while relieving demands on your personnel and equipment resources. Thus offering significant cost savings to your financial institution. It reduces employee workload, and need for physical access to existing facilities. Additionally, it lowers chance of clerical error, and streamlines transaction processing. |
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| Are you a bank offering on-line account access? |
| An increasingly Internet savvy consumer base not only makes possible, but also demands on-line access to their accounts. The do-it-yourself nature of on-line banking saves time, money and personnel. It can also increase your vulnerability to fraud unless communication is secure, and consumer identity verification methods are in place. |
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| Are you a brokerage serving on-line consumers? |
| You consumers require 24-hour access to their accounts. You need to provide that access while ensuring secure communication and account integrity. |
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| Are you a utility expanding beyond a local consumer base? |
| With consumers no longer located within a small geographic, even contiguous area, utilities and telecommunications providers need a cost effective, easily accessed, secure means of providing customer service.
Labour-intensive account management results in missed opportunities and lost revenue. You need to
optimise your transactions by authenticating users in an on-line, run-time application. |
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| Are you a mortgage agency facilitating consumer involvement? |
| Consumers want to know current equity in their homes, possibility of home equity mortgages, options on refinancing. They want to know if their payment has arrived or their property tax or home insurance was paid. These processes can easily be automated in on-line settings. However, they cannot be thoroughly protected without eIDverifier authentication of account holders prior to granting on-line access via PINs. |
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| Do you need? |
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Applicant identity verification |
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PIN management |
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Secure site access |
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| Your Equifax Secure Solution |
| PayNet Secure's eIDverifier authentication and PIN management services, along with an eBusiness ID Web Server Certificate or Wildcard certificate. |
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| Why should you have to wait until fraud occurs to protect yourself? With Equifax Secure's eIDverifier no waiting is necessary.
Minimise your risk exposure by authenticating your consumers prior to granting PIN access. PIN management is easily added on by using PayNet Secure's authentication and PIN management services. A simple, on-line process ensures the security of your site and verifies the identity of your consumers. |
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| Equifax Secure's eBusiness ID and Wildcard Web Server Certificates provide optimum encryption security and are accepted by 98% of web browsers today. Secure multiple domains that end in the same second level domain name using our Wildcard Certificates. |
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| Is this you? |
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Expanding on-line services to existing account-holders |
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Reducing costs of manual customer support |
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Eliminating clerical error |
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Speeding transaction time |
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Facilitating access to remote consumers |
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| Prove the integrity of documentation and ensure the integrity of ActiveX Controls, Java Applets and software applications with object signing certificates. |
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| Protect access to restricted technology through customer authentication prior to selling goods and services. |
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| Businesses need to take advantage of the freedom and expansion capabilities available on the Internet. Virtual employees are able to maintain close contact to business information and changes from wherever they are working. A Virtual Private Network (VPN) enables instantaneous, inexpensive communication, free from interception by
unauthorised persons. |
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| Specialisation is also promoted by the ease with which specialty groups can link/network to provide service or product packages. Need for Intranet communication. |
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| Is this you? |
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Requiring communication with and between virtual employees, telecommuters and partners. |
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| Are you a business conducting work at more than one place? |
| Highly specialised knowledge fields make teamwork and communication, not physical proximity, vital to increasing and improving productivity. Physical proximity is not. Secure, trusted on-line communication makes it possible for virtual teams to work together from locations anywhere in the world. |
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| Do you maintain shared information with business partners? |
| To protect shared interests with your business partners, you need to be able to grant immediate access to trusted associates, and quickly revoke access when necessary. |
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| Do you work within a trusted network of associates? |
| In the increasingly project-oriented structuring of industry today, teams are pulled together based on their contributing skills, not compatible addresses. The success of such projects greatly depends upon trusted, on-line communication. |
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| Your Equifax Secure Solution |
| PKI Manager Family Employee and Partner Secure Web Server Certificates |
| Equifax Secure's web server certificates enable secure communication between trusted parties. Using the most current and secure 128-bit encryption technology developed, they accepted by 98% of all web browsers. |
| Equifax Secure delivers web server certificates on-line quickly, efficiently and hassle-free. Step-by-step instructions are provided for each server and system supported. |
| Certificates are issued only to persons you designate, and that can provide the shared-secret information you have specified. You can be sure that no fraudulent access will be granted. Additionally, any change in status can be reflected with immediate certificate revocation. |
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| Do you need? |
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Secure communication with verified parties |
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Shared-secret authentication of person prior to certificate issue |
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Controllable access to secure information via issuing or revoking digital certificates |
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Encryption to protect sensitive information |
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On-line process for purchase and installation of digital certificates |
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| ©2000 Equifax Secure. All Rights Reserved. |
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