Corillian and StrikeForce will protect financial institutions' online users with a comprehensive authentication service combining Corillian's Intelligent Authentication with StrikeForce's "Out-of-Band" authentication platform, ProtectID. The joint offering helps to proactively detect fraudulent online activity and prevent illegitimate users from accessing accounts.

Benefits include:

• Easy implementation – no software downloads
• Easy-to-use, uninterrupted online banking experience
• Strong authentication with multiple layers and multi factors
• Device flexibility for financial institutions and their customers

"Online banking is undergoing a permanent shift that requires secure and user-friendly technology, affordable prices, and rapid deployment," said Mark L. Kay, CEO of StrikeForce Technologies. "The FFIEC guidelines present a marked adjustment for the online user and the financial institutions that offer very flexible and streamlined solutions will attract and retain these online customers."

"Financial institutions are looking for strong online authentication methods that don’t disrupt the online banking experience that customers are used to," said Alex Hart, president and CEO of Corillian. "The multiple layers of Intelligent Authentication were designed with the online banking user in mind - to provide ultimate protection of online accounts without compromising the convenience of online banking. StrikeForce’s "Out-of-Band" authentication process complements Intelligent Authentication and provides financial institutions with additional layers of multi-factor protection for their online customers."

StrikeForce's patent-pending ProtectID is the first and only "Out-of-Band" identity authentication solution that creates a separate pathway for users to enter a PIN over the telephone that takes seconds to authenticate the identity of the online customer. Biometric devices, such as fingerprint and iris scanners, as well as one-time passwords (OTPs) can be added or substituted for additional versatility and layers of security. The different multiple methods of authentication eliminate the need to carry or purchase new technology, making two-factor authentication affordable and quickly deployable.

Intelligent Authentication employs a behavioral approach to authentication by building a history of "access signatures" for individual users. This is accomplished by collecting and validating information about each user's computer and method of Web site access without collecting personally identifiable information or requiring participation of the end user in the data collection process. An electronic access signature is created by combining a number of key identification points, such as IP address, Internet service provider, PC and browser settings, time of day and geographic location. It is a zero footprint authentication solution that does not require client hardware or software, is not dependent on the existence of any special marker or cookie on the user's PC, and does not require interrogation of the user's PC via downloaded software.