napID patent granted secured mobile number verifier is the best alternative for the unsecured, unencrypted SMS OTP 2nd-factor authenticator where the user can verify their mobile number in ONE-TOUCH during all types of digital payments.

You can test the napID netbanking passwordless payment along with napID Mobile number verifier as a 2nd-factor authenticator.

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 and Proceed to Pay.

On the next screen awake your mobile number in the napID mobile app in One-Touch and select "This is my number" check box in the payment form validate it as 2nd-factor authentication.

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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.
• Proceed to Pay button will be enabled only for you to initiate the transaction.
• Awake your mobile number in One-Touch in napID mobile app in the personal tab and select "This is my number" check box in the payment form 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 or mobile number in napID mobile app, hence "This is my id" check box will show "Id sleeping" and "This is my number" check box will show "Number is Sleeping" and they cannot even initiate the transaction.
• Try with my user id user850 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 user id is compromised?

• No need to worry, no one can misuse your user id as it will be SLEEP MODE.

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