Solutions
Thanks to CCS12 technology, we combine multi-channel authentication with a unique device identification process.
This enables secure, frictionless transactions that eliminate fraud risks while optimizing the customer experience.
Online Payment
With CCS12, online payment is secured through a simple and fast process:
CCS12 authenticates the user, identifies their device, and confirms the transaction via a secure and intuitive flow.
01
Access the payment page from your website or app
02
Enter card details (PAN entry)
03
Receive smartphone notification
04
Authentication and device identification
05
Biometric or QR Code recognition from the enrolled device
06
Payment validated after dual authentication – without re-entering personal data
Wire Transfer
With CCS12, wire transfers are validated only after strong authentication of the sender, ensuring the identity is verified before the transaction is completed.
01
Selecting recipient and amount
The user logs in to their banking interface and opens the “Make a transfer” section.
They either choose a new recipient or select a pre-registered one, then enter the amount to transfer – just as they normally would.
02
CCS12 Authentication
Before confirming the transaction, the app activates the camera.
The user scans their personal QR code to validate the wire transfer.
03
Transaction validated with absolute certainty of the sender’s identity
Wallet Enrollment
Behind every wallet, there’s a bank card
…
… and an opportunity for fraudsters
01
Entering payment information
The user opens their wallet app (Google Pay, Apple Pay, etc.) and taps “Add a card.”
They enter their banking details (card number, expiration date, CVV), just like for an online payment.
02
Reinforced dual authentication
The user receives a notification requiring authentication to access the app
They scan their unique QR code
The cardholder’s identity is then securely verified
Contactless Payment
Before CCS12, no authentication was required
for contactless payments—even in cases of theft or fraud.
Result: high risk for cardholders,
and lack of control for banks.
In case of suspected fraud,
the bank prompts the customer to authenticate using the QR code solution to ensure the integrity of the contactless transaction.
If the cardholder’s authentication is successful,the contactless payment is authorized. Otherwise, all contactless payments on the card are immediately suspended.
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Ready to eliminate bank fraud?
CCS12 helps you secure all your financial transactions.
Security has never been easier or more effective.