EnStream…Securing Mobile Transactions

EnStream, a joint venture of Canada’s national mobile telecom companies, Bell, Rogers and TELUS, delivers TRUST to the digital world by providing services to enhance the security of on-line  and mobile transactions. EnStream currently offers subscriber verification services and delivery of payment credentials to mobile devices, with other services in development.

Customers increasingly rely on smartphones to execute transactions, access content, manage commercial relationships, control home security and transmit private information.  Industry research suggests:

  • over 65% of Canadian interac transfers, are deposited using mobile devices, and
  • by 2017, over 70% of all e-commerce transactions will occur on a smartphone.

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These communications are sensitive, and security concerns can be a barrier to deployment and adoption. But with the right tools, communication over the smartphone can be made more secure than that over other internet connected devices, since the smartphone is managed by a mobile network operator (MNO).

The MNO’s core business is secure network and device management, including confirming device location authorizing its access to the network and tracking usage as well as related subscriber account status/ownership. This level of device information and security can be used to verify users and reduce fraud for other service providers seeking to engage with their customers over mobile devices. EnStream also delivers efficient data access across all national MNOs through a single business and technical interface, with smaller MNOs being added to provide complete coverage.  Today, EnStream is connected to >27M subscribers or approximately 90% of Canadians.

EnStream is deeply integrated into the systems of Canadian MNOs. With customer consent, EnStream’s secure common core API gateway can confirm the identity of the mobile account holder and the location of the smartphone, and provide other services to ensure secure communication between the service supplier and the customer. With centralized control and a seamless integration point, authentication capabilities are administered efficiently and dynamically in alignment with the risk of a given transaction. This means service suppliers can enhance the security of their transactions (reducing fraud) and leverage mobile account information to legitimize new customer accounts over the mobile device – especially useful in situations of limited consumer credit information.

What’s more, is that these innovative authentication capabilities can be brought to bear much faster than other projects typically required to engage new authentication methods.  With improved digital trust end users can be allowed to do more, essentially making online and mobile transactions more functional and convenient.

EnStream’s customers include financial institutions, credit bureaus, and other online service providers and EnStream adheres to the strictest security, privacy and end-user consent policies in order to protect every mobile subscriber’s information.

 

Please refer to the “Our Solutions” tab for specific MNO data and solutions enabled.

 

 

 

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EnStream has been named a finalist for a Global Mobile Award (GLOMO) in the category of “Authentication and Identity,”  within the digital identity space.   We are the first to pilot Mobile Connect with a smartphone app authenticator (SAA) with our partners Ubisecure and MePIN.  The awards will be granted at the GSMA’s Mobile World Congress on February… Read More

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On March 30th, Robert Blumenthal (Head of Digital Services at EnStream), will participate as a panel member in a PwC facilitated C-Level Thought Leadership event, designed to explore digital identity in Canada.

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