Safe Access To a Smart WorldEncap company presentation

BSK approval obtained in January 2011, valid for 2 years across Norway, providing a general proof of quality for ENCAP’s technology and enabling adoption by all Norwegian financial institutionsBanks’ Standardisation Office approval Encap provides software-based, two-factor authentication and digital signing for the enterprise and banking sectors. Encap represents a revolutionary new approach to authentication for the post-PC era. It replaces hardware and one time password authentication solutions such as tokens, card readers, SIMs and SMS with a mobile client on a smart device. Easy, quick and convenient for users, Encap creates a familiar, intuitive authentication process that works across all platforms – PC, mobile or tablet – and via the cloud. Encap’s unique patented software delivers a ubiquitous security solution that is scalable, easy to integrate and requires no capital investment. Based in Oslo, Norway, Encap’s world class management team has an unrivalled pedigree in mobile banking, finance, enterprise and remote access security. The Encap solution is approved by the Norwegian Banks’ Standardisation Office and used by major banking institutions, enterprises and technology integratorsAbout Encap

Encap provides … … software-based, two-factor authentication and digital signing for the enterprise and banking sectors.

The pain4Mobile banking application problemMobile banking application requires the user to carry and use a separate OTP token for log-on resulting in bad user experience and low take-up and usage for retail bank3D Secure transaction for credit card payment on iPad fails due to lack of Java support resulting in transaction loss for credit card company+Transaction failureiPad payment problem with 3D Secure

Encap represents a revolutionary new approach … to authentication for the post-PC era. It replaces hardware and one time password authentication solutions such as tokens, card readers, SIMs and SMS with a mobile client linked to a smart device.

6System overviewENCAP system for SEB Kort end-usersENCAP system for SEB KortSEB Kort End-User Directory3G/4G/WifiENCAP mobile app… on a PC… on a smart deviceENCAP APISEB Kort applicationsAccess to SEB Kort applications …AuthenticationENCAP Authentication and Signing ServerHTTPSIdentity Management ServerPush notificationsSEB Kort Application Server

Digital Signatures (PKI)The Encap client/server solution offers client side PKI based data/document signing. During the signing process, the clients can visualize the documents to be signed (WYSIWYS). 2-factor AuthenticationThe Encap client/server solution offers secure 2 factor authentication: something you have (a mobile device) and something you know (a PIN code).Encap Core FunctionalitySecure Information sharingThis enables the service provider to distribute content and information, such as a new PIN, electronically - removing the need for costly and cumbersome paper correspondences.

ENCAP APP – separate branded app needed for authentocationNo hardware or SMS neededENCAP API – authentication built into the branded SEB Kort application No hardware, SMS or even a separte app needed for authenticationClient side solutions:ENCAP API

In 2012 roadmapCurrently supportedFuture-proof smartphone platform support(prototype only)Encap provides services for branding and publishing mobile applications based on Encap´s standard functionality.

Easy, quick and convenient for users …… Encap creates a familiar, intuitive authentication process that works across all platforms – PC, mobile or tablet – and via the cloud.

Benefits for the end-user: consistent connectivity via any smart deviceno hardware equipmentno one-time-passwords (OTPs)enabled sign-in via mobile only (no PC)Consistent and simplified user experienceBenefits for Customers to Encap: a unified solution across channel and deviceseasy integration into his business applicationshigh security standards and scalability no hardware or SMS costs high end-user adoptionLower cost and improved ROIBenefits for SEB Kort and end-users

The Encap solution is approved … … by the Norwegian Banks’ Standardisation Office and used by major banking institutions, enterprises and technology integrators.

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