Procert Authentication as a Service provides a secure , frictionless, and cost-effective user identity and authentication management service on the cloud. Procert brings added convenience to enterprises through easy SDK/API integration on the cloud. But importantly it offers ease of use to end customers in terms of frictionless, yet secure, multi-factor authentication (SMS, Voice, WhatsApp) from anywhere and any device. No wonder more and more businesses are increasingly adopting Procert Authentication as a Service (AaaS)

1. User Identity &
Authentication
Management
procert by

2. Authentication An Overview
Product Overview
Authentication Modules
Features & Benefits
Use Cases
About Mcarbon
Questions & Answers
In this
Presentation
Here's what we'll cover:

3. "Digital User Identity and
Authentication is a critical element
of the banking process.
It not only protects customers'
financial data and privacy but
helps build trust.”
procert

4. Knowledge Possession Inheritence Contextual
WHAT YOU KNOW
User-name and password,
PINs, Security Codes or
Passphrases
WHAT YOU HAVE
Identity and Bank cards ,
other IDs and Devices
(phones customer owns)
WHAT YOU ARE
Biometrics such as
fingerprints, face images, iris
images, voiceprints
THE CONTEXT
Geolocation, IP address,,
mobile number,
mobile app or website
Risks in FinTech
What is Digital Identity?

5. Procert User Identity &
Authentication Platforms
works as a facilitator for
banks to ensure end
customers gets more ease
and control over
their money.
By Selection OK I agree to the Terms & Conditions. Regular carrier charged may apply.
Login to your Account
Login with Id
Cancel
Login with Mobile
Login with WhatsApp

6. How?
Security
Procert ensures the security, integrity and immediacy of
authentication data transfer
Omni-Channel
It ensure data transfer is agnostic of the channel or across
Omni-channel, SMS, Voice, Email, WhatsApp, RCS as well
as emerging technology
Discovery
Discovery of new authentication mediums compliant to
the security standards of Bank and regulators
Cost Optimization
Cost optimisation for the bank through intelligent routing
of authentication data
Procert works as an integral
part of the organization's
Identity and authentication
process.

7. Omni Channel
2FA/MFA
SIM Binding Missed of Flashcall
Channel agnostic OTP,
across SMS, Voice, Email,
WhatsApp, and RCS with
fallback
To ensure the authentication
of the App user by binding it
the Mobile number SIM
Authentication of user
identity through a missed
call call or flashcall
Procert Authentication Modules
Secure, accessible and future-ready
WhatsApp
Social Login
OTP-Less Mobile Number
Authentication of user
identity through WhatsApp

8. Omni-Channel
Fallback and Multi-channel
Security & Data Integrity
Omni Channel
2FA(OTP)/
MFA
Procert ensure delivery of OTP PIN across channel, SMS,
Email and Voice
Procert support intelligent fallback for redundancy or
multichannel for delicacy
Procert tech architecture, infrastructure and processes are
compliant and certified as per banking norms
(Iso 27001, SOC2)
Verify mobile number
You need to send an SMS from your phone
to verify and register your number on ABC
Bank
Please ensure your mobile number is registered
with your bank and your mobile data is enabled
SUBMIT
Cancel

9. Increased Multi-factor Authentication
Continuous Authentication
SIM Binding
Hardware tokens serve as supplementary form of
authentication to passwords, pin and biometric
Continuous authentication through device binding reduces
risk of fraud.
SIM binding is a type of device binding where an
individual uses their mobile phone and binds
that phone to their SIM card. This provides for
greater security in user authentication.
Reduces Friction
It can minimize steps in authentication to give end-users
additional ease
An SMS will be send
from phone to verify
your phone number

10. Features
& Benefits
How it helps Enterprises
Authenticate their
customer without adding
friction.
Unique Digital Identity of Mobile App Users
Procert ensures that every user has a unique digital identity compliant
to RBI guideline.
Complex algorithm between Device, Sim and Phone No.
Procert generates a unique identity for a user through a combination of
Device, Sim and Mobile Number
Identity Validation at Every Launch
Procert Sim Binding works on the principle of continuous validation
Eliminate Identity Theft and SMS Spoofing
Device Binding, eliminate the risk of SMS Spoofing, SIM Swapping,
identity theft, etc.

11. Features
& Benefits
How it helps Enterprises
Authenticate their
customer without adding
friction.
Support for Toll Free and Virtual Mobile Number
Procert support for both Toll Free SMS and Virtual Mobile number
Support for both Android and iPhone ecosystem
Form and format agnostic to cover 90%+ customer universe
Enhance User Experience
Reduces friction for user interaction and improves user experience
100% coverage in India
With connectivity across all operators, Procert support 100% of mobile
users within India

12. Technical
Architecture
High level overview of
Technical Architecture
Distributed Architecture for
load balancing and redundancy
End-to-End Encryption
for Security
Compliance to banking
security regulations and norms
Enterprise
Backend

13. Technical
Architecture
High level overview of
Technical Flow
Distributed Architecture for
load balancing and redundancy
End-to-End Encryption
for Security
Compliance to banking
security regulations and norms

14. Better Customer Experience
Because of non-intrusive nature it provide better
customer experience
Cost Effective
Flash call is more cost effective as compared to SMS or
Voice based OTP
Increasing Usage
Flash call usage by enterprise is growing at a CAGR of
128% expected to cross 128 billion calls by 2026
Authentication of user
identity through a missed call
call or flash-call
Missed and
Flash Call

15. Better Customer Experience
Friction-less yet secure Mobile number verification and
login through WhatsApp
OTP-Less Mobile Number
Authentication of user identity
through WhatsApp
OTP-Less
WhatsApp
Login
By Selection OK I agree to the Terms & Conditions.
Regular carrier charged may apply.
Login to your Account
Login with Id
Cancel
Login with Mobile
Login with WhatdApp
By Selection OK I agree to the Terms & Conditions.
Regular carrier charged may apply.
OTP-Less
By Selection OK I agree to the Terms & Conditions.
Regular carrier charged may apply.
OTP-Less
Send this message to
continue to login to
ABC bank
Click on the link to login to
https://abcbank.com/
acbd3

16. A brief
Overview
of Mcarbon
• Leading provider of Enterprise Messaging Service
⚬ Omni Channel CPaaS platform with
⚬ SMS, Voice, Email, WhatsApp Business, RCS, and
Internet Messaging
• Video messaging
• Use cases to cover the complete customer lifecycle
• Strong technology backbone (ISO 27001 certified)
• Strong legacy of Telecom Network VAS
• Diversified Customer base across Industries
• Part of DeviceBook Group of Companies

17. Mcarbon
Product
Stack
Mcarbon help
enterprises and
Brands connect with
its customers and
profit from it

18. Business Model
• Flexible
• No Capex
• Pocket-friendly set up
and usage fee

19. Do you
have any
questions?
Send it to us! We hope
you learned something
new.

20. Thank you
We are eager to hear from
you! Contact at
sales@mcarbon.com