AUM - High Frequency Secure Signatures (AUM-HFSS)

大多数支付卡欺诈发生在个人账户持有人不在场的环境中，即通过互联网和电话-无卡欺诈（CNP欺诈）或不知情/暴露，在这些环境中，验证账户持有人对交易的批准变得极其困难，但越来越困难，导致欺诈活动增加。我们的身份验证是通过带有EMV芯片或RFID解决方案的塑料卡，传统的用户和密码组合，生物识别界面或简单的手持安全令牌进行的。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，或者有安全漏洞，或者在身份确认点需要专业设备。密码记录、虚假网站虚假陈述、邮件软件或声音冒充是诈骗分子常用的方法，以确定和操纵帐户持有人的详细资料。此外，从设计角度来看，当前的支付数据输入要求显得繁琐乏味，并不能激发易用性/信心，从而促进用户粘性。对于那些视力受损或听力有障碍的人，那些对技术适应能力较差的人，或者那些记忆力差的人来说，这一点尤其正确，因为今天要记住的密码太多，这使情况更加复杂，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信息不会被截获？AUM项目旨在根除这一切！AUM - HFSS，一个旨在开发一种激进的创新和颠覆性的软件技术接口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，甚至只需按下一个按钮就可以付款！AUM提案将生成“实时动态生成的数字波声学签名”，可以通过移动电话、voip和传统通信架构传递，而无需使用传统的数据传输数据包。这与符合全球PCI数据标准和改进的军用级密码学的2或3因素身份验证相结合，使该主张独一无二。在当今的数字世界中，数据非常重要，因为通过改变我们的身份识别方式来防止欺诈是一种需求和全球机遇。替代系统需要专业设备，具有安全限制或静态数据载体，与um - hfss提案相比，其用途有限，可以通过任何移动电话（即使是没有互联网数据包的移动电话）操作，以进一步激发信心，增加安全交易，并在移动商务环境中易于使用。

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.