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.
We create a new OTP for each transaction, increasing the level of security.
Our multifactored approach applies device intelligence checks to increase confidence that the message is reaching the correct user.
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.
Combine biometric and document verification to digitally verify and confirm identities in near real time — with the highest level of identity assurance.
Deliver a time-sensitive, one-time passcode to an Experian-verified mobile number for a simple, secure and familiar verification method for consumers.
Quickly authenticate customer identities with knowledge-based questions that are generated from a wide dataset of personal information.
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.