AUM - High Frequency Secure Signatures (AUM-HFSS)

管理下的资产-高频安全签名（AUM-HFSS）大多数支付卡欺诈发生在个人账户保持器持有人实际不在场的环境中，即通过互联网和电话-卡不存在欺诈（CNP欺诈）或不知情/暴露，在这种情况下，验证账户保持器持有人对交易的批准非常困难，但越来越困难，导致欺诈活动增加。我们的身份验证通过带有EMV芯片或RFID解决方案的塑料卡、传统的用户和密码组合、生物识别界面或通过简单的手持安全令牌进行。这些系统是有限的，携带静态信息，可以在不知情的情况下复制，或有安全漏洞，或在身份确认点需要专业设备。密钥记录、虚假网站虚假陈述、邮件软件或语音模仿是欺诈者用来确定和操纵帐户保持器详细信息的常见方法。此外，目前的支付数据输入要求显得繁琐、平凡，从设计角度来看，无法激发易用性/信心，以鼓励进一步参与。对于那些视力受损或听力困难的人，那些不太适应技术的人或那些记忆力差的人来说尤其如此，今天要记住的密码太多，这使得记忆力差的人更加复杂，必须有一个更简单的解决方案。消费者或商家如何确保通过电话、互联网或零售环境提供的机密财务细节不会被截获？AUM项目旨在消除这一切！AUM - HFSS，一个旨在开发一个激进的创新和破坏性的软件技术接口MVP原型供全球使用的项目。通过云计算和现代手持界面部署，它将帮助企业验证个人或客户的身份，甚至通过按下一个按钮进行支付！AUM提案将生成“真实的实时动态生成的数字波声学签名”，其可以通过移动的、蓝牙和传统通信架构而不使用传统的数据传输分组。这与符合Global PCI Data标准的2或3因素身份验证以及改进的军用级密码技术相结合，使该提议独一无二。在当今的数字世界中，数据非常重要，因为有必要和全球机会通过改变我们携带身份的方式来防止欺诈。替代系统需要专业设备，具有安全限制或者是静态数据载体，并且与AUM-HFSS提案相比具有有限的用途，AUM-HFSS提案可以通过任何移动的电话（即使是那些没有互联网数据包的电话）来操作，以进一步激发信心，增加安全交易和在移动商务环境中的易用性。

Assets Under Management - High Frequency Secure Signatures (AUM-HFSS)Most payment card fraud occurs in environments where the individual account holder is not physically present i.e. over the internet and telephone - Card Not Present Fraud (CNP Fraud) or is unaware/exposed, where it is extremely yet increasingly difficult to verify the account holder approval to a transaction leading to increased fraudulent activity. Verification of our identities are carried through plastic cards with EMV chips or RFID solutions, traditional user and passwords combinations, biometric interfaces or through simple handheld security tokens. These systems are limited, carry static information which can be copied without knowledge, or have security loopholes, or require specialist equipment at point of identity confirmation. Key logging, false website misrepresentation, mailware or voice impersonation are common methods to used by fraudsters to ascertain and manipulate account holder details. Furthermore current payment data entry requirements appear cumbersome, mundane and do not inspire ease of use/confidence from a design perspective to encourage further engagement. This is particularly true for those visually impaired or hard of hearing, those less adaptive to technology or those individuals with poor memory which is further complicated by the plethora of passwords to remember today, there has to be a simpler solution. How may a consumer or merchant be sure that confidential financial details given over the phone, internet or retail enviironment will not be intercepted? The AUM project aims to eradicate all of this!AUM – HFSS, a project aiming to develop a radical innovative & disruptive software technology interface MVP prototype for global use. Deployed through cloud computing and modern hand held interfaces, it will assist businesses verify the identity of individuals or clients and even make payments by pressing a single button! The AUM proposal will generate ‘real time dynamically generated digital wave acoustic signatures’ which can be passed through mobile, voip and traditional communication architectures without use of traditional data transfer packets. This combined with 2 or 3 factor authentication compliant with Global PCI Data standards and improved military grade cryptology makes the proposition unique.In the digital world today, data is important as there is a need and global opportunity to prevent fraud by changing the way we carry our identity. Alternate systems require specialist equipment, have security limitations or are static data carriers, and have limited use in comparison to AUM-HFSS proposal, which may be operated through any mobile phone (even those without internet enabled data packages) to further inspire confidence, increased secure transactions and ease of use within mCommerce environments.