napID's patent granted Fraud Filter Layer will not allow others except the owner of the card to even type the CVV, MM/YY, Cardholder name and initiate the card payment

napID will freeze the CVV, MM/YY, Cardholder name fields, pay button in the online payment form and enable it only after receiving the signal from a genuine user from napID mobile app in ONE-TOUCH.

In this methodology, the CVV, MM/YY, Cardholder name and OTP become optional as 2nd and 3rd factor authentication.

Quick Flow:

Awake the credit/debit card in napID mobile app in One-Touch, type the 16 digit card number and select "This is my card" check box in the payment form. Type Validity, CVV, cardholder name and proceed to pay.

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Detailed Flow:

• Awake your credit/debit card in One-Touch in napID mobile app in the payment tab under yyybank.com. (sample card number: 66****87).
• Type your card number and select "This is my card" check box in the payment form.
• Type validity, CVV, cardholder name & Proceed to Pay button will be enabled only for you to initiate the transaction and make the payment.

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

• Hackers/Fraud cannot awake your card in napID mobile app, hence "This is my card" check box will show "Card is sleeping" and they cannot even type the card Validity, CVV, cardholder name and initiate the transaction.
• Try with my card number 6666555544440700 and you can notice the 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 card number is compromised?

• No need to worry, no one can misuse your card number as it will be SLEEP MODE.
• Others cannot even type your CVV & validity 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 card number (sample card number: 66****71) 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 card number.

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