Applications

Document Signatures

Legally Binding Voice Signature^SM, powered by TradeHarbor’s Voice Signature Service and related applications, enables users to close agreements, contracts and business deals over the phone, on the internet, or on mobile devices. Legally Binding Voice Signature^SM adds control and convenience, saves time and money, and improves reliability for anyone seeking a legally binding signature on a document or form. Users can realize shorter revenue cycles and greatly accelerated sales processes by deploying Legally Binding Voice Signature^SM.

TradeHarbor supports Legally Binding Voice Signature^SM with its Voice Signature Core Web Service; with its telephony-enabled IVR service the VoiceSig Express; with configurable agent-involved and self-service applications; and with Click2Sign^SM.

Strong Authentication

No authentication methodology may be considered “Strong” unless the process also involves “something you are”. Users can achieve greater security, increased fraud and identity theft protection for themselves and their customers by adopting TradeHarbor ‘s Voice Signature Service to secure its most important content and applications. TradeHarbor’s Voice Signature Service and related applications go beyond simple voice-based biometrics to provide strong authentication.

TradeHarbor supports strong authentication with its Voice Signature Core Web Service; with its telephony-enabled IVR service the VoiceSig Express; with configurable agent-involved and self-service applications; and with Click2Authenticate^SM.

Multifactor Authentication

Most often associated with access control for web page login, multi-factor authentication refers to an authentication process that requires the use of solutions from two or more of the three categories of authentication factors. TradeHarbor’s Voice Signature Service and related applications provide Strong Authentication in the form of “something you are” which can be linked to shared secrets and/or username and password – “something you know” and a token or mobile device “something you have” to complete the federally-mandated requirement for multi-factor authentication (see FFIEC August 15, 2006 FAQ Supplement). By deploying the VSS, users can quickly deploy this third and critical authentication factor with little to no capital expense while reducing the potential for fraudulent or unauthorized system access. Because of the low cost of implementation, maintenance and support, the VSS is a fiscally responsible solution for companies seeking to implement true multi factor authentication.

Login Authentication

Web site login functions and processes are many companies only protection against fraud, theft, and unauthorized access to applications and content. Unfortunately, with the evolution of the web, many browsers allow users to save their username and password in the browser, often users with too many logins will write down their usernames and passwords close to their computers or will simply use easy to guess names and phrases. TradeHarbor adds security, convenience, and strong authentication to the website or remote login process. TradeHarbor’s Voice Signature Service supports “Out-Of-Band” authentication by placing an outbound call or receiving an inbound call to authenticate individuals when they are logging in to a corporate or ecommerce website to secure access; prevent fraud; and increase accountability. This “Out-Of-Band” process provides even greater security by calling the number on file for the person (outbound), or providing a one-time, expiring pin for inbound calls, making it extremely difficult for imposters to gain access to an account they are not authorized to access.

TradeHarbor supports strong authentication for website login with its Voice Signature Core Web Service; with its telephony-enabled IVR service the VoiceSig Express; with configurable agent-involved and self-service applications; and with Click2LogIn^SM.

Purchase

Mail Order, Telephone, and Internet credit card transactions fall under the heading of MOTO (Mail Order / Telephone Order) transactions, also called CNP (card not present) transactions. While media attention has focused on the consumer's risk of using credit cards on the Internet, there is an equal and potentially greater risk to the merchant. In the absence of a physical signature from the cardholder to satisfy the "media request", the merchant will lose every disputed credit card transaction, and will be penalized the cost of the transaction, the cost of a chargeback and the cost of the disputed merchandise. TradeHarbor’s Voice Signature Service and related applications provide unsurpassed protection to both the consumer and the merchant by enabling Legally-binding Voice Signatures^SM as part of a simple, easy to implement strong authentication solution when applied to consumer transactions. With the Voice Signature Service, merchants can now have a “legally-binding signature” for remote transactions that can be used for proof in the case of a disputed charge and consumers have a voice biometric-based service that they can rely on to protect their identity and access to accounts, applications, and purchases on the phone, internet, or remote devices. TradeHarbor supports Legally-Binding Signatures^SM for payment authentication with its Voice Signature Core Web Service; with its telephony-enabled IVR service the VoiceSig Express; with configurable agent-involved and self-service applications; and with Click2Authenticate^SM and Click2Purchase^SM.

Password Reset

Password reset functions are often highly automated and when they are not, they are costly to support, they are highly agent-involved (especially if using shared secrets or other known data) and can open a company up to many security risks from social engineering attacks and other invasions into stored personally identifying information. TradeHarbor’s Voice Signature Service can be used to adapt your existing web page for this function. The VSS can be initiated to create an “out-of-band” call to authenticate the person who has forgotten their password prior to allowing the person to reset their password using your existing password reset protocol.

TradeHarbor supports strong authentication for website login with its Voice Signature Core Web Service; with its telephony-enabled IVR service the VoiceSig Express; and with Click2Authenticate^SM.

Agent involved

These web-based workflow applications allow an agent to take a voice signature for an application or document over the telephone – this approach enables agents to capture a legally-binding Voice Signature by just conferencing in the VSS. TradeHarbor provides two agent-involved workflow products: a generic agent-involved process product that can be tailored to your specific needs and a specially designed application that supports agents selling Insurance over the phone. Using these tools, an agent is able to receive underwriting approval and activate coverage even when they are in the field. Users can realize shorter revenue cycles and greatly accelerated sales processes while at the same time avoiding costly professional service engagements and costly up front investments in software and hardware.

TradeHarbor supports strong authentication and Legally-Binding Voice Signatures^SM for agent-involved document signing and sales support with its Voice Signature Core Web Service; with its telephony-enabled IVR service the VoiceSig Express; and with TradeHarbor’s configurable agent-involved workflow applications.

Self-service

Many of the transactions completed over the phone or the internet do not require the interaction of two people. Self-service applications are replacing agent-involved or agent executed transactions in an ever-increasing number. TradeHarbor provides two self-service workflow products: a generic self-service process that can be tailored to your specific needs and a specially designed application that supports Legally-Binding Voice Signatures^SM for contracts, forms and other documents over the phone and internet or using mobile devices. Using these tools allows your users to actively engage in the process of completing their transactions. Users can realize shorter revenue cycles and greatly accelerated sales processes while at the same time avoiding costly professional service engagements and costly up front investments in software and hardware.

TradeHarbor supports strong authentication and Legally-Binding Voice Signatures^SM for self-service document signing and sales support with its Voice Signature Core Web Service; with its telephony-enabled IVR service the VoiceSig Express; and with TradeHarbor’s configurable self-service workflow applications.

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