Arculus

For a long time, answering deeply personal questions was the only real option for proving who you were to a call center. Knowledge-Based-Authentication was (and still is) terrible and insecure. 😠 You have to give up information to a stranger, making you uncomfortable. 😠 The information is probably on the dark web anyway, making it easy to get for any fraudster. 😠 Finally, it takes forever to get in, and you feel like you're repeating yourself constantly. We've all been there, and it's all a miserable experience. And it's often worse when you're the most stressed and you urgently need to fix something. When we looked at this problem as a product team, we had a few criteria for solving it: 1) The solution had to lean into the natural capabilities of humans and robots - delegating each task in accessing a call center to the system best able to complete it efficiently. 2) It needed to deliver an invisible customer experience. Where a great outcome is that the person doesn't feel inconvenienced at all. So we started looking for a way for people to do what they are good at, which is solving customer's problems, and robots to do what they are good at, which is authenticating people cryptographically. This is the product we designed: When you call the center, you are asked to tap your credit or debit card to the back of your phone. Embedded in that card's chip is a cryptographic key that proves you are you. From that moment on, you are talking to a human who is there to solve your real human problem. I believe in the power of story to explain why an audience of people should care about the fact that product. The more pain you can relieve going from A to B, the better the story is. What pain is more relevant than delivering a great experience when a customer is frustrated and needs help from the call center?

Pictures Report #Paris: Juan Salvador Ubeira Ruiz from Arculus and Lysa Coombs from CompoSecure with the stunning view of Paris as the backdrop. Don't forget to register to our next event in #Luxembourg here: https://lnkd.in/eFNUeS67

What’s the real cost of friendly fraud? Hint: it’s not so friendly for businesses. Check out our infographic on combating unauthorized transactions with smarter authentication tools. 💳 📱 #FraudPrevention #SmartPayments

Conscious choices. His premium metal card? It’s more than a way to pay; it’s a reflection of his style and a lifestyle built on thoughtfulness and quality. 🌿🛍️👶https://bit.ly/3VmYpXE #MetalSpeaksVolumes #ModernDad #ConsciousLiving

We sure do

There were phones, smart phones, and now actually smart phones. Just like there were cards, "smart" cards, and actually smart cards. Similar form factor, wildly different functionality. A card had an embossed number, a mag stripe, and let you pay for goods and services. A "smart" card can sign EMV transaction using RSA keys, which are huge and relatively slow. It protects the card manager with 3DES keys, which have been sunset by NIST. An actually smart card can sign arbitrary data. It can sign all sorts of messages. It can sign it with elliptic curve and is protected by the latest and greatest flavors of keys and curves. It can communicate on web 2, web 2.5, and web3 rails. Yes, current smartcards speak Sanscrit. Arculus enabled cards speak all current modern languages and are projecting future languages which have yet to be fully defined.

A moment of focus during a busy day, tackling important work with skills and dedication. The premium metal card isn’t just a way to pay; it’s a style accessory that reflects values and lifestyle ☕💻 https://bit.ly/3VmYpXE #MetalSpeaksVolumes #ModernProfessional #LifestyleStatement

The first tap-to-authenticate report has been released by PYMNTS Intelligence and Arculus by CompoSecure, highlighting top #security concerns for financial institutions. Don't miss the full announcement: https://bit.ly/3VoqJZH. #TapToAuthenticate PYMNTS

For a long time, answering deeply personal questions was the only real option for proving who you were to a call center. Knowledge-Based-Authentication was (and still is) terrible and insecure. 😠 You have to give up information to a stranger, making you uncomfortable. 😠 The information is probably on the dark web anyway, making it easy to get for any fraudster. 😠 Finally, it takes forever to get in, and you feel like you're repeating yourself constantly. We've all been there, and it's all a miserable experience. And it's often worse when you're the most stressed and you urgently need to fix something. When we looked at this problem as a product team, we had a few criteria for solving it: 1) The solution had to lean into the natural capabilities of humans and robots - delegating each task in accessing a call center to the system best able to complete it efficiently. 2) It needed to deliver an invisible customer experience. Where a great outcome is that the person doesn't feel inconvenienced at all. So we started looking for a way for people to do what they are good at, which is solving customer's problems, and robots to do what they are good at, which is authenticating people cryptographically. This is the product we designed: When you call the center, you are asked to tap your credit or debit card to the back of your phone. Embedded in that card's chip is a cryptographic key that proves you are you. From that moment on, you are talking to a human who is there to solve your real human problem. I believe in the power of story to explain why an audience of people should care about the fact that product. The more pain you can relieve going from A to B, the better the story is. What pain is more relevant than delivering a great experience when a customer is frustrated and needs help from the call center?

Checking out in style. This sleek card isn’t just a way to pay; it’s a luxury accessory, a symbol of values, and a statement about lifestyle. 🏨💼 https://bit.ly/3VmYpXE #MetalSpeaksVolumes #TravelWithStyle #StatementCard