Page 253 - DCAP312_WEB_TECHNOLOGIES_II

Unit 12: Security and Membership

Notes
to liven an instant use ATM card at the point of sale. A personally embossed MasterCard is
then mailed to the customer. Once activated and loaded, cardholders can use their cashplus
MasterCard to make purchases anywhere on the global MasterCard merchant network. The
APS chip and pin technology tracks customer behavior and APS software tracks how much
money the consumer is spending, retailer commissions by channel and outlet, and reconciles
all transactions across the system.

APS is using the TriCipher Armored Credential System (TACS) to provide Device 2 factor
authentication for retailers and staff. This provides strong, affordable security, authenticating
both the user and their location without requiring provisioning of tokens or other hardware
devices because the retailers can use their existing PCs as the second factor. Consumers use
TriCipher’s Armored Passwords, which enable them to use simple passwords while protecting
against password theft. The TACS patented architecture makes it extremely difficult to steal
a user’s credentials, providing critical protection against phishing attacks.
Why APS Chose the TriCipher Armored Credential System (TACS) APS partnered with
TriCipher because TACS was the only system to meet all of APS’ business and IT security
requirements:
• Authentication integrated with a customizable, secure data storage vault.
• The ability to match authentication strength to business risk for different users.
• The ability to manage multiple levels of authentication from a single infrastructure.

• The ability to use the PC as an affordable 2nd factor, avoiding the cost of managing and
deploying separate hardware tokens.

• Easily manageable user roaming capabilities.
• Reliable high availability architecture.
• Certified by appropriate security authorities – TACS is both Identrus and FIPS certified.

• Scalable enough to grow with the business and extensible enough to integrate with new
security technologies.

Deployment
Deployment of the TACS authentication infrastructure for the APS system is complete,
and is currently serving multiple retail users issuing and redeeming cards, consumers and
internal customer service reps. APS has launched and is actively selling its cashplus prepaid
MasterCard, the first of its kind in the United Kingdom.
Questions
1. Explain the advanced payment solutions.

2. Describes the TriCipher Armored Credential System (TACS).

Self Assessment Questions

6. Authentication is the process of obtaining identification credentials such as ……………
from a user and validating.

( a) name and password (b) name
( c) password (d) None of these.

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