The ideal solution to strong authentication is built primarily around two factors: End User Requirements and Effective Security. Almost all the solutions available today offer the later. Few meet overall needs of the online user community. Assuming effective security, the ideal solution must meet the following criteria:

• No Hardware Required - It is unreasonable to assume that users will embrace the idea of carrying multiple tokens with them everywhere they go. Nor will the average user feel comfortable adding hardware such as smart card readers or biometrics to their systems.
• No Software Required - Installing software from a single online service provider may be viable. But having to install several types of software from various vendors will not fly with end users.
• Allows Access On Any Computer, Anywhere - The online community uses multiple systems. People access online accounts from home, work, and internet cafes.
• Nothing to Carry, Loose, or Forget - Using decoder cards or similar items gives users just one more thing to loose or forget. And when the card is lost or stolen, so can their online account information.
• Simple and Easy to Use - Solutions can in no way be technical in nature. As digital as the world has become, most people are not technical. The ideal solution is based on something they already know or do, and is not overwhelmingly technical.

One such technology that meets these requirements is Passfaces. This patented technology leverages the mind's innate ability to recognize faces. End users don't need to carry anything, install anything or learn anything to use this innovative technology. By simply recognizing assigned faces, end users can easily and securely log on to password protected accounts from any machine from any location. Both formal and informal studies conclude that people like using Passfaces while providing the strong user authentication required by the FFIEC Guidance.

Read the entire White Paper