Can a hacker, who obtains the application, reengineer it to produce one with challenges matching transactions he might have altered?
Aradiom’s solution includes a unique UserID of each copy of the application. Only the originally obtained copy of the application will produce correct response codes for authentication of transactions. A modified version used by a hacker will not contain the needed personalization data and will always produce wrong codes, which the hacker will not know are wrong until rejected by the bank. After a configured limit of failed attempts, a fraud alert may be activated.
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