OSC 歐柏系統 - eCode Study

eCode Study

In this section :

OSC is Taiwan business agent of Todos Data System AB (Sweden) and delivers complete solutions for authentication of remote customers and our flagship solution is eCode. Our main focus is secure eBanking and eCommerce using the Todos eCode solution. eCode is a product portfolio for secure remote identification by smart card based generation of One Time Passwords (OTP), Challenge/Response and Electronic Signatures.

eCode mainly divides into two parts: Host System and End User Devices.

Host System
eCode Central System is the heart of the eCode authentication solution and can operate in both a Single Issuer and Multi Issuer configuration. Each Issuer is unique and has its own requirements on authentication method, security, reliability, availability, capacity and integration to its legacy systems. The modularity and flexibility of the eCode Central System enables it to be fully customized to meet customer requirements. Read more...

End User Devices
The end user devices in the eCode solution are all easy to learn and easy to use. Also, it is easy to manage for the bank as the devices require no personalisation. Thus, they are easy and cheap to distribute and have minimal need for support. Read more...

eCode Reader 　　　 eCode Signature 　　 eCode Authenticator 　 eCode connectable
　　　　　　　　　　　　　　　　　　　　　　　　　　　　　Authenticator

SMS sent OTP　 Printed OTP　　　 eCode Token　　 eCode ezToken　　 eCode Mobile

eCode – Mitigates These Attacks

	eCode server	Authenticator	Signature	Reader	Connectable Authenticator
Identity theft	●	●	●	●	●
Key logging	●	●	●	●	●
Spyware	●	●	●	●	●
Phishing	●	●	●	●	●
Man in the Middle	●	●	●		●
Programmatic	●	●	●		●

	ezToken	Mobile	Token	Printed OTP	SMS
Identity theft	●	●	●	●	●
Key logging	●	●	●	●	●
Spyware	●	●	●	●	●
Phishing	●	●	●	●	●
Man in the Middle	●	●	●		●
Programmatic	●	●	●		●

eCode – Authentication Methods

	eCode server	Authenticator	Signature	Reader	Connectable Authenticator
Static password	●	●	●	●	●
One Time Password	●	●	●	●	●
Signature	●	●	●		●
Transaction Data Signing	●	●	●		●
eCode	●	●	●	●	●
eCode EMV	●	●	●		●
MasterCard SecureCode / Verifie by VISA	●	●	●	●	●
CAP / VISA dynamic passcode authentication	●	●	●		●
FISC II OTP	●	●	●	●	●

	ezToken	Mobile	Token	Printed OTP	SMS
Static password	●	●	●	●	●
One Time Password	●	●	●	●	●
Signature		●	●
Transaction Data Signing		●	●
eCode	●	●	●	●	●
eCode EMV
MasterCard SecureCode / Verifie by VISA	●	●	●	●	●
CAP / VISA dynamic passcode authentication
FISC II OTP	●	●	●

Benefit with eCode:
♦ eCode End User Devices accord with market requirement
　◊ Portability
　◊ diversification
　◊ User-friendly functionality
　◊ The customer side does not have to install any software.
　◊ Quick roll-out
　◊ To reduce customer service cost
　◊ To reduce relative cost

♦ eCode End User Devices accord with market requirement
　◊ Adapting to future service development demand and tendency
　◊ Mebership deposit IC card
　◊ EMV credit IC card

歐柏系統股份有限公司是瑞典Todos在臺灣的代理商，專精於研發先進的安全認證解決方案，提供最完整的、方便的安全認證技術以及產品，統稱為eCode。Todos為歐洲地區專注發展網路安全解決方案的系統廠商，且擁有完整的產品線，其動態密碼解決方案更為歐洲及亞洲多家銀行導入網路銀行使用。

根據多年的經驗，對於廣大用戶而言，最好的身分認證策略就是動態密碼。eCode則提供了遠端網路銀行網站登錄、電話銀行、電子商務以及Visa 3D-Secure/Mastercard Secure code線上購物等作業，是一套完整且有效的地身分認證方式。

eCode動態密碼產品，主要分為伺服器(Server)與載具(end-user device)

動態密碼伺服器：
eCode Server主要功能為處理動態密碼驗證，其演算方式可利用eCode演算法、FISC II晶片金融卡標準的演算法或利用EMV晶片信用卡標準的演算法等。本系統除了動態密碼驗證外，尚包括參數化的系統管理模組。看更多…

動態密碼載具：
載具部份，歐柏提供一系列完整的產品線，對企業而言，其最大優點在於可依不同客戶族群而給予不同的載具。換言之，可為不同的客戶族群量身訂做不同的載具，在差異化服務的同時，有效降低投資成本。看更多…

eCode OTP優勢：
♦ 載具符合市場現有應用的需求
◊ 可攜性
◊ 多樣化
◊ 容易使用
◊ 客戶端不需安裝任何軟體
◊ 大量發行
◊ 降低業者客服的成本
◊ 相對成本低
♦ 適應未來業務發展的需求與趨勢
◊ 會員晶片儲值卡
◊ EMV晶片信用卡