napID's patent granted Fraud Filter Layer will not allow others except the owner of the user id to even type the password and initiate the net banking payment.

napID will freeze the password field and payment button in the net banking payment form and enable it only after receiving the signal from napID mobile app in ONE-TOUCH.

In this methodology, the password and OTP become optional as 2nd and 3rd factor authentication.

Quick Flow:

Awake the user id in napID mobile app in One-Touch, type the user id and select "This is my id" check box in the payment form. Type your password and proceed to pay.

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Detailed Flow:

• Awake your user id in One-Touch in napID mobile app in the personal tab under yyybank.com. (sample user id: us****06).
• Type your user id and select "This is my id" check box in the payment form.
• Password field and Pay button will be enabled only for you to type the password and make the payment.

The user id goes back to SLEEP MODE automatically the moment you select "This is my id" check box in the payment form or after 30 seconds whichever comes first

• Hackers/Fraud cannot awake your user id in napID mobile app, hence "This is my id" check box will show "Id sleeping" and they cannot even type the password to initiate the transaction.
• Try with my user id user850 and you can notice the password cannot be typed and payment cannot be initiated.

napID can completely arrest fraudulent digital payments using stolen credentials.

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100% Secured

• End to End data encryption.
• Token for each transaction.
• Users can register the napID mobile app only on their instrument where SIM is present.
• 100% Async process.
• Ids will be visible only for specified geography.

What happens when my user id & password are compromised?

• No need to worry, no one can misuse your user id as it will be SLEEP MODE.
• Others cannot even type your password even if it is compromised.

What happens when the mobile is lost/stolen?

• Firstly the app won't open without your face id, biometric etc.,
• No one can understand the cropped, masked and alias id (sample user id: us****06) displayed in the napID mobile app.
• Also, the moment you block your SIM, the app stops working on the stolen device.

100% Data Privacy.

• The customer's data will reside only on the bank's server.
• Cannot predict other's credentials (Alias, Masked & Cropped).
• Automated customer verification in the bank to fetch user id.

Easy to Use (End users)

• One-App & One-Touch for all types of digital payments and for all banks.
• Touch-based installation.
• It only takes 5 seconds to finish the end to end Net banking payment.
• No change in user behaviour, today we use mobile phones for all digital payments at least to read the OTP.

Copy-paste & API implementation. (Bank)

• Do not disturb the exiting Core Banking architecture.
• No need for new credentials, simply use the existing user id.
• The existing flow continues only for genuine users.

YouTube Video Link