Why issue ON-LINE CARD (tm) for 'Protected log-in'?

In just a few words: We've invented a way to issue 'cards' in the form of software application; it's straightforward for your clients, drammatically increases the security of your e-commerce site, moreover, it is cheap and involves no upfront cost for you, because you will be using all our software as a Service.

We know that as an e-commerce business owner you need to:

1. Acquire new customers in a way that will give you an option to service them in a secure and convenient way, both to you and to your clients;
2. Provide your customers with adequate protection against ‘phishing’ fraud and at the same time provide the ‘logs’ of certain customer actions on your site, make them meaningful or even law-enforceable;
3. Retain highest possible degree of control over business-processes of customer payment authorizations and dispute resolution, not to change your core business-processes and procedures every time the conventional card infrastructure modify the ‘rules of the game’;
4. Give your customers a friendly visual interfaces for self-service wherever possible, but retain the capability to approve or discard changes made by customer or even limit or void customer privileges to use your service or its’ parts.

Here’s how we propose you to address these problems:

1. Establish a ‘Private Label’ card program for your clients within our Service and integrate your System with our web-service through standardized interfaces. By doing that you outsource to our company the task of 24/7 supporting advanced security log-in mechanisms, implemented in our Service and customer acquisition business-process, collection and secure storage of *minimized* set of personal data (see Note);
2. Manage your relationship with your clients through secure web-interfaces; approve or decline applications, resolve disputes through embedded CRM sub-system, suspend customers, abusing your service etc.;
3. Issue ‘scratch-cards’ for card ‘re-loads’ and distribute them among your customers or outsource this task to our company; invoke other options of account funding (by card payment, PayPal ® or like).

Note: there is no need to collect a complete set of personal data, and take a risk of identity fraud/theft. Our basic principle is to collect enough customer information to make your contract with the client law-enforceable. In other words you or law-enforcement officers will have enough data entered by new customer to identify him if this information is combined with technical data of access sessions; at the same time nobody can commit identity fraud even if this data (stored securely inside our service) would be compromized.