Access Authentication

In the context of an HTTP transaction, the basic access authentication is a method designed to allow a web browser, or other client program, to provide credentials – in the form of a user name and password – when making a request.


Rule result which can impact users such forcing them to register a security profile, KBA-challenging them, blocking access, asking them for PIN or password, and so on.

Adaptive Risk Manager

A category of Oracle Adaptive Access Manager features. Business and risk analytics, fraud investigation and customer service tools fall under the Adaptive Risk Manager category.

Adaptive Strong Authenticator

A category of Oracle Adaptive Access Manager features. All the end-user facing interfaces, flows, and authentication methods fall under the Adaptive Strong Authenticator category.


ASP.NET is a Web application framework that allows programmers to build dynamic websites, Web applications, and Web services. OAAM provides an OAAM .NET development kit (SDK). The OAAM .NET SDK to use for integrating ASP.NET applications with OAAM. It includes the OAAM .NET APIs that are exposed by the OAAM .NET library, OAAM sample .NET applications, OAAM Flash movie page, and other files that are required for .NET native integration. ASP.NET applications, written in any ASP.NET language, can use the OAAM .NET API to call Oracle Adaptive Access Manager.


Rule results containing messages targeted to specific types of Oracle Adaptive Access Manager users.


An Application Programming Interface defines how to access a software-based service. Oracle Adaptive Access Manager provides APIs to fingerprint devices, collect authentication and transaction logs, run security rules, challenge the user to answer pre-registered questions correctly, and generate virtual authentication devices such as KeyPad, TextPad, or QuestionPad.


Attributes are the particular pieces of information associated with the activity being tracked. An example is the time of day for a login. Patterns collect data about members. If the member type is User, the pattern will collect data about users.


The process of verifying a person's, device's, application's identity. Authentication deals with the question "Who is trying to access my services?"

Authentication Status

Authentication Status is the status of the session (each login/transaction attempt creates a new session).

Examples are listed as follows:

  • If a user logs in for the first time and goes through the registration process, but decides not to complete the registration process and logs out, the authentication status for this user session is set as "Pending Activation."

  • If a user logs in from a different device/location, the user is challenged. The user answers the challenge questions incorrectly in all the three attempts, the authentication status for this session is set as "Wrong Password."

  • If a user logs in and is taken to the final transaction page or success page, the authentication status for the particular session is set as "Success."

  • If the user is a fraud and is blocked, the status for the session is set as "Block."


Authorization regards the question "Who can access what resources offered by which components?"


User in the authentication database.


Autolearning is a set of features in Oracle Adaptive Access Manager that dynamically profile behavior in real-time. The behavior of users, devices and locations are recorded and used to evaluate the risk of current behavior.

Black List

A given list of users, devices, IP addresses, networks, countries, and so on that are blocked. An attack from a given member can show up on a report and be manually added to a blacklist at the administrator's discretion.


If a user is "Blocked," it is because a policy has found certain conditions to be "true" and is set up to respond to these conditions with a "Block Action." If those conditions change, the user may no longer be "Blocked." The "Blocked" status is not necessarily permanent and therefore may or may not require an administrator action to resolve. For example, if the user was blocked because this user was logging in from a blocked country, but he is no longer in that country, he may no longer be "Blocked."


Software applications that run automated or orchestrated tasks on compromised PCs over the internet. An organization of bots is known as a bot net or zombie network.

Browser Fingerprinting

When the user accesses the system, OAAM collects information about the computer. By combining all that data, the site creates a fingerprint of the user's browser. This fingerprint could potentially uniquely identify the user. Information gathered that makes up the browser fingerprint include the browser type used, extensions installed, system fonts, and the configuration and version information from the operating system, and whether or not the computer accepts cookies.

The browser and Flash fingerprints are tracked separately. The fingerprints are available in the session listing and details pages and you can get further details about the fingerprint by opening the respective details pages. Hence, you can have both fingerprints available, but if the user has not installed Flash then the digital fingerprint (Flash) is set to null.

Cache Data

Information about historical data during a specified time frame


Cases provide tools to track and solve customer service issues.

A case is a record of all the actions performed by the CSR to assist the customer as well as various account activities of the customer. Each case is allocated a case number, a unique case identification number.

Challenge Questions

Challenge Questions are a finite list of questions used for secondary authentication.

During registration, users are presented with several question menus. For example, he may be presented with three question menus. A user must select one question from each menu and enter answers for them during registration. Only one question from each question menu can be registered. These questions become the user's "registered questions."

When rules in OAAM Admin trigger challenge questions, OAAM Server displays the challenge questions and accepts the answers in a secure way for users. The questions can be presented in the QuestionPad, TextPad, and other pads, where the challenge question is embedded into the image of the authenticator, or simple HTML.

Challenge Type

Configuration of a type of challenge (ChallengeEmail, ChallengeSMS, ChallengeQuestion)


A checkpoint is a specified point in a session when Oracle Adaptive Access Manager collects and evaluates security data using the rules engine.

Examples of checkpoints are:

  • Pre-authentication - Rules are run before a user completes the authentication process.

  • Post-authentication - Rules are run after a user is successfully authenticated.

Configurable Actions

Configurable Actions allow a user to create new supplementary actions that occur after the running of rules.

Completed Registration

Status of the user that has completed registration. To be registered a user may need to complete all of the following tasks: Personalization (image and phrase), registering challenge questions/answers and email/cell phone.


Conditions are configurable evaluation statements used in the evaluation of historical and run-time data.


A cookie is a small string of text or data stored on a user's computer. Oracle Adaptive Access Manager uses two types of cookies to perform device identification. One is the browser cookie (also known as secure cookie) and the other is the Flash cookie (also known as digital cookie). The browser cookie value is constructed using the browser user agent string. The Flash cookie value is constructed using data from the OAAM Flash movie.


Customer service representatives resolve low risk customer issues originating from customer calls. CSRs has limited access to OAAM Admin

  • View the reason why a login or transaction was blocked

  • View a severity flag with alert status to assist in escalation

  • Complete actions such as issuing temporary allow for a customer

CSR Manager

A CSR Manager is in charge of overall management of CSR type cases. CSR Managers have all the access and responsibilities of a CSR plus access to more sensitive operations.


Provides a real-time view of activity through aggregates and trending.

Data Mining

Data mining is the practice of automatically searching large stores of data to discover patterns and trends that go beyond simple analysis. Data mining uses sophisticated mathematical algorithms to segment the data and evaluate the probability of future events. Data mining is also known as Knowledge Discovery in Data (KDD). Data mining can answer questions that cannot be addressed through simple query and reporting techniques.

Data Type

An attribute of data that represents the kind and structure of the data. For example, String.

Delivery Channel

Delivery mechanism used to send the OTP to the user. Email, SMS, IM, and so on are delivery channels.


A computer, PDA, cell phone, kiosk, and others, used by a user

Device Fingerprinting

Device fingerprinting and identification is one of the many attributes OAAM utilizes to assess the risk of an access request or transaction. OAAM provides a full, layered security solution. Device fingerprinting and identification represents only one of the layers.

OAAM provides browser based fingerprinting in a pure web environment. This means that no client software is required, which makes deployment of the solution to large and diverse user populations manageable. As well, not placing any logic on the client ensures that there is no logic to be compromised. If however you want or need to deploy client software such as a java applet or native mobile application, OAAM can accept additional device fingerprinting data (IMEI, MAC, and so on) gathered by the client. Providing additional data such as hardware based unique identifiers increases the pertinence of the fingerprinting.

When using browser based fingerprinting each browser will have it's own device ID. This means the Internet Explorer and Firefox installed on the same laptop will appear as two distinct device IDs in the OAAM console. This is by design and has no impact on the level of security OAAM provides. This is because OAAM is profiling all the device IDs used in a deployment both in relation to users and independently. If it's typical for a user to sometimes use Firefox and sometimes use Internet Explorer OAAM tracks this as part of their profile.

OAAM browser fingerprinting logic utilizes the browser user agent string data along with other contextual data available in the session. This other data can include a one-time use secure cookie and Flash shared object if available. The device fingerprinting logic automatically deals with the situation where a user either deletes their cookies and FSO or does not have them enabled at all. OAAM will assign a new ID for a short period (3 logins) then revert back to first ID from there on if a user's behaviour is consistent (same user and IP for example). The device fingerprinting logic also accounts for common changes in device data such as an operating system or browser upgrade.

Device Identification

During the registration process, the user is given an option to register his device to the system. If a user tries to login from a registered device, the application knows that it is a safe and secure device and allows the user to proceed with his transactions. This process is also called device identification.

Device Registration

Device registration is a feature that allows a user to flag the device (computer, mobile, PDA, and others) being used as a safe device. The customer can then configure the rules to challenge a user that is not coming from one of the registered devices.

Once the feature is enabled, information about the device is collected for that user. To make use of the information being collected, policies must be created and configured. For example, a policy could be created with rules to challenge a user who is not logging in from one of the registered devices.


Information that is made unreadable to anyone except those owning special knowledge


An entity structure is created by combining multiple related data points for optimization. The entity can be reused in multiple transactions by creating new instances of the entity. Entities are not associated with or dependent on any transactions.

For example, shipping address and billing address instances can be created for two different transactions from the Address entity. The address entity can include street number, street name, apartment number, city, state, postal code, and country as its data points.


Tools for the configuration system properties and snapshots

Expiration Date

Date when CSR case expires. By default, the length of time before a case expires is 24 hours. After 24 hours, the status changes from the current status to Expired. The case could be in pending, escalated statuses when it expires. After the case expires, the user will not be able to open the case anymore, but the CSR Manager can. The length of time before a case expires is configurable.

Execution Types

Two execution types for configurable actions are listed:

  • Synchronous - Synchronous actions are executed in the order of their priority in ascending order. For example, if the user wants to create a case and then send an email with the Case ID, the user would choose synchronous actions. Synchronous actions will trigger/execute immediately.

    If the actions are executing in sequential order and one of the actions in the sequence does not trigger, the other actions will still trigger.

  • Asynchronous actions are queued for execution but not in any particular sequence. For example, to send an email or perform some action and do not care about executing it immediately and are not interested in any order of execution, you would choose asynchronous actions.


User-defined enums are a collection of properties that represent a list of items. Each element in the list may contain several different attributes. The definition of a user-defined enum begins with a property ending in the keyword ".enum" and has a value describing the use of the user-defined enum. Each element definition then starts with the same property name as the enum, and adds on an element name and has a value of a unique integer as an ID. The attributes of the element follow the same pattern, beginning with the property name of the element, followed by the attribute name, with the appropriate value for that attribute.

The following is an example of an enum defining credentials displayed on the login screen of an OAAM Server implementation:

bharosa.uio.default.credentials.enum = Enum for Login Credentials
bharosa.uio.default.credentials.enum.companyid.description=Company ID

Fat Fingering

This algorithm handles Answers with typos due to the proximity of keys on a standard keyboard.

Flash Fingerprinting

Flash fingerprinting is similar to browser fingerprinting but a Flash movie is used by the server to set or retrieve a cookie from the user's machine so a specific set of information is collected from the browser and from Flash. The Flash fingerprint is only information if Flash is installed on the client machine.

The fingerprints are tracked separately. The fingerprints are available in the session listing and details pages and you can get further details about the fingerprint by opening the respective details pages. Hence, you can have both fingerprints available, but if the user has not installed Flash then the digital fingerprint (Flash) is set to null.

Fraud Investigator

A Fraud Investigator primarily looks into suspicious situations either escalated from customer service or directly from Oracle Adaptive Access Manager alerts. Agents have access to all of the customer care functionality as well as read only rights to security administration and BI Publisher reporting.

Fraud Investigation Manager

A Fraud Investigation Manager has all of the access and duties of an investigator plus the responsibility to manage all cases. An Investigation Manager must routinely search for expired cases to make sure none are pending.

Fraud Scenario

A fraud scenario is a potential or actual deceptive situation involving malicious activity directed at a company's online application.

For example, you have just arrived at the office on Monday and logged into OAAM Admin. You notice that there are a high number of logins with the status "Wrong Password" and "Invalid User" coming in from a few users. Some appear to be coming in from different countries, and some appear to be local. You receive a call from the fraud team notifying you that some accounts have been compromised. You must come up with a set of rules that can identify and block these transactions.


Collection of like items. Groups are found in the following situations

  • Groups are used in rule conditions

  • Groups that link policy to user groups

  • Action and alert groups

In-Proc Integration

The integration imbeds the processing engine for Oracle Adaptive Access Manager with the application and enables it to leverage the underlying database directly for processing. In this scenario, the application must include the server JAR files and configured properties, as appropriate.


Hypertext Transfer Protocol

IP address

Internet Protocol (IP) address


A job is a collection of tasks that can be run by OAAM. You can perform a variety of jobs such as load data, run risk evaluation, roll up monitor data, and other jobs.

KBA Phone Challenge

Users can be authenticated over the phone using their registered challenge questions. This option is not available for unregistered users or in deployments not using KBA.


Virtual keyboard for entry of passwords, credit card number, and on. The KeyPad protects against Trojan or keylogging.

Keystroke Loggers

Software that captures a user's keystrokes. Keylogging software is used to gather sensitive data entered on a user's computer.

Knowledge Based Authentication (KBA)

OAAM knowledge based authentication (KBA) is a user challenge infrastructure based on registered challenge questions. It handles Registration Logic, challenge logic, and Answer Logic.


A city, state, country, IP, Network ID, and others, from which transaction requests originate.


"Locked" is the status that Oracle Adaptive Access Manager sets if the user fails a KBA or OTP challenge. The "Locked" status is only used if the KBA or One Time-Password (OTP) facility is in use.

  • OTP: OTP sends a one-time PIN or password to the user through a configured delivery method, and if the user exceeds the number of retries when attempting to provide the OTP code, the account becomes "Locked."

  • KBA: For online challenges, a customer is locked out of the session when the Online Counter reaches the maximum number of failures. For phone challenges, a customer is locked out when the maximum number of failures is reached and no challenge questions are left.

After the lock out, a Customer Service Representative must reset the status to "Unlocked" before the user can use the account to log in to the system.


Malware is software designed to infiltrate or damage a computer system without the owner's informed consent. Malware may contain key loggers or other types of malicious code.

Man-In-The-Middle-Attack (Proxy Attacks)

An attack in which a fraudster is able to read, insert and modify at will, messages between two parties without either party knowing that the link between them has been compromised

Multifactor Authentication

Multifactor authentication (MFA) is a security system in which more than one form of authentication is implemented to verify the legitimacy of a transaction. In contrast, single factor authentication (SFA) involves only a User ID and password.

Multiprocessing Modules (MPMs)

Apache httpd ships with a selection of Multi-Processing Modules (MPMs) which are responsible for binding to network ports on the machine, accepting requests, and dispatching children to handle the requests.

Mutual Authentication

Mutual authentication or two-way authentication (sometimes written as 2WAY authentication) refers to two parties authenticating each other suitably. In technology terms, it refers to a client or user authenticating himself to a server and that server authenticating itself to the user in such a way that both parties are assured of the others' identity.

Native Integration

Native integration involves customizing the application to include OAAM API calls at various stages of the login process. The application invokes Oracle Adaptive Access Manager directly and the application itself manages the authentication and challenge flows.

  • SOAP service wrapper API: The application communicates with Oracle Adaptive Access Manager using the Oracle Adaptive Access Manager native client API (SOAP service wrapper API) or through Web services. The application makes SOAP calls to interact with Oracle Adaptive Access Manager.

  • Static linking: The processing engine for Oracle Adaptive Access Manager (OAAM Library) is imbedded with the application. It leverages the underlying database directly for processing.

OAAM Admin

Administration Web application for all environment and Adaptive Risk Manager and Adaptive Strong Authenticator features.

OAAM Server

Adaptive Risk Manager and Adaptive Strong Authenticator features, Web services, LDAP integration and user Web application used in all deployment types except native integration

One Time Password (OTP)

One Time Password (OTP) is a form of out of band authentication that is used as a secondary credential and generated at preconfigured checkpoints based on the policies configured.

OTP Anywhere

OTP Anywhere is a risk-based challenge solution consisting of a server generated one time password delivered to an end user through a configured out of band channel. Supported OTP delivery channels include short message service (SMS), eMail, and instant messaging. You can use OTP Anywhere to compliment KBA challenge or instead of KBA. As well you can use both OTP Anywhere and KBA alongside practically any other authentication type required in a deployment. Oracle Adaptive Access Manager also provides a challenge processor framework. You can use this framework to implement custom risk-based challenge solutions combining third party authentication products or services with OAAM real-time risk evaluations.

Oracle Adaptive Access Manager

A product to protect the enterprise and its customers online.

Oracle Adaptive Access Manager

  • provides multifactor authentication security

  • evaluates multiple data types to determine risk in real-time

  • aids in research and development of fraud policies in offline environment

  • integrates with access management applications

Oracle Adaptive Access Manager is composed of two primary components: OAAM Server and OAAM Admin.

Oracle Data Mining (ODM)

Oracle Data Mining is an option to the Oracle Database EE, provides powerful data mining functionality

Organization ID

The unique ID for the organization the user belongs in

Out Of Band Authentication

The use of two separate networks working simultaneously to authenticate a user. For example: email, SMS, phone, and so on.


Patterns are configured by an administrator and record the behavior of the users, device and locations accessing the system by creating a digest of the access data. The digest or profile information is then stored in a historical data table. Rules evaluate the patterns to dynamically assess risk levels.

Personalization Active

Status of the user who has an image, a phrase and questions active. Personalization consists of a personalized background image and phrase. The timestamp is generated by the server and embedded in the single-use image to prevent reuse. Each Authenticator interface is a single image served up to the user for a single use.


Pharming (pronounced farming) is an attack aiming to redirect a website's traffic to another, bogus website.


A criminal activity utilizing social engineering techniques to trick users into visiting their counterfeit Web application. Phishers attempt to fraudulently acquire sensitive information, such as user names, passwords and credit card details, by masquerading as a trustworthy entity. Often a phishing exercise starts with an email aimed to lure in gullible users.


Authentication entry device used to enter a numeric PIN.


A plug-in consists of a computer program that interacts with a host application (a web browser or an email client, for example) to provide a certain, usually very specific, function "on demand".


Policies contain security rules and configurations used to evaluate the level of risk at each checkpoint.

Policy Set

A policy set is the collection of all the currently configured policies used to evaluate traffic to identify possible risks. The policy set contains the scoring engine and action/score overrides.

Policy Status

Policy has three status which defines the state of the object or its availability for business processes.

  • Active

  • Disabled

  • Deleted

Deleted is not used.

When a policy is deleted, it is permanently deleted from the database.

By Default every new policy created has status as "Active."

Every copied policy has a default status as "Disabled."


Rules are run after the user password has been authenticated. Common actions returned by post-authentication checkpoint include:

  • Allow to allow the user to proceed forward.

  • Block to block the user from proceeding forward.

  • Challenge to challenge the user.


Rules are run before the user is authenticated. Common values returned by the pre-authentication checkpoint include:

  • Allow to allow the user to proceed forward.

  • Block to block the user from proceeding forward.

Predictive Analysis

Predictive analytics encompasses a variety of techniques from statistics, data mining and game theory that analyze current and historical facts to make predictions about future events.

Questions Active

Status of the user who has completed registration and questions exists by which he can be challenged.

Question Set

The total number of questions a customer can choose from when registering challenge questions.


Device that presents challenge questions for users to answer before they can perform sensitive tasks. This method of data entry helps to defend against session hijacking.


An enrollment process wherein the customer registers challenge questions, secret images, text phrases, one-time passwords, and so on for another layer of security in addition to the login process.

Registered Questions

A customer's registered questions are the questions that he selected and answered during registration or reset. Only one question from each question menu can be registered.

Registration Logic

The configuration of logic that governs the KBA registration process.

Risk Score

The numeric risk level associated with a checkpoint.

Rule Conditions

Conditions are the basic building blocks for security policies.


Rules are a collection of conditions used to evaluate user activity.


An OAAM sample application is available for your reference. Before you integrate the APIs into your own application, be sure to download the OAAM sample application. It illustrates how to call the product APIs. It is available as a form of documentation. The OAAM sample application is not intended to be used as production code.


Score refers to the numeric scoring used to evaluate the risk level associated with a specific situation. A policy results in a score.

Scoring Engine

Oracle Adaptive Access Manager uses scoring engines to calculate the risk associated with access requests, events, and transaction.

Scoring engines are used at the policy and policy set levels. The Policy Scoring Engine calculates the score produced by the different rules in a policy. The Policy Set Scoring Engine calculates the final score based on the scores of policies.

Where there are numerous inputs, scoring is a able to summarize all these various points into a score that decisions can be based on.

Secure Cookie

The secure cookie stored by the OAAM in the client's browser is a tracking cookie:

  • It does nott store any information about the user.

  • It is only used to track if the user had logged in from this browser before to identify a device.

  • It is valid for a single user only.

If OAAM is able to find this cookie in the browser, it compares this cookie with an expected value. If the two values match, it means that the request has come from a previously used device, hence the device ID is reused. If it does not match, it may be a stale or a modified cookie, so OAAM does not consider it. If the cookie is not present in the browser, it is a new request. In any case this cookie is discarded and a new cookie is generated.

Security Assertion Markup Language (SAML)

Security Assertion Markup Language (SAML) is an XML-based open standard for exchanging authentication and authorization data between security domains, that is, between an identity provider (a producer of assertions) and a service provider (a consumer of assertions).

Security Token

Security tokens (or sometimes a hardware token, hard token, authentication token, USB token, cryptographic token) are used to prove one's identity electronically (as with a customer trying to access their bank account). The token is used in addition to or for a password to prove that the customer is who they claim to be. The token acts like an electronic key to access something.

Severity Level

A marker to communicate to case personnel how severe this case is. The severity level is set by whomever creates the case. The available severity levels are High, Medium, and Low. If a customer suspects fraud, then the severity level assigned is "High." For example, if the customer wants a different image, then the severity level assigned is "Low." Severity levels of a case can be escalated or deescalated as necessary.

Session Hijacking

The term Session Hijacking refers to the exploitation of a valid computer session - sometimes also called a session key - to gain unauthorized access to information or services in a computer system


A snapshot is a zip file that contains Oracle Adaptive Access policies, dependent components and configurations for backup, disaster recovery and migration. Snapshots can be saved to the database for fast recovery or to a file for migration between environments and backup. Restoring a snapshot is a process that includes visibility into exactly what the delta is and what actions will be taken to resolve conflicts.


SOAP, originally defined as Simple Object Access Protocol, is a protocol specification for exchanging structured information in the implementation of Web Services in computer networks. It relies on Extensible Markup Language (XML) as its message format, and usually relies on other Application Layer protocols (most notably Remote Procedure Call (RPC) and HTTP) for message negotiation and transmission. SOAP can form the foundation layer of a web services protocol stack, providing a basic messaging framework upon which web services can be built.

SOAP Service Wrapper API

The SOAP service wrapper API enables you to create SOAP objects and invoke SOAP calls and abstracts the SOAP Web Service Definition Language (WSDL) and other Web services details from the application code. Libraries for this API are available for the following languages: Java, .NET, and C++.

This integration requires adding lightweight client libraries (JAR or DLL files) to the client library.

Social Engineering

Social engineering is a collection of techniques used to manipulate people into performing actions or divulging confidential information to a fraudulent entity.

Spoofing Attack

In the context of network security, a spoofing attack is a situation in which one person or program successfully masquerades as another by falsifying data and thereby gaining an illegitimate advantage.


Spyware is computer software that is installed surreptitiously on a personal computer to intercept or take partial control over the user's interaction with the computer, without the user's informed consent.

Strong Authentication

An authentication factor is a piece of information and process used to authenticate or verify the identity of a person or other entity requesting access under security constraints. Two-factor authentication (T-FA) is a system wherein two different factors are used in conjunction to authenticate. Using two factors as opposed to one factor generally delivers a higher level of authentication assurance.

Using more than one factor is sometimes called strong authentication.

Temporary Allow

Temporary account access that is granted to a customer who is being blocked from logging in or performing a transaction.


Personalized device for entering a password or PIN using a regular keyboard. This method of data entry helps to defend against phishing. TextPad is often deployed as the default for all users in a large deployment then each user individually can upgrade to another device if they want. The personalized image and phrase a user registers and sees every time they login to the valid site serves as a shared secret between user and server.


A transaction defines the data structure and mapping to support application event/transaction analytics.

Transaction Data

Data that is an abstract item or that does not have any attributes by itself, does not fit into any entity, which exists or is unique by itself is defined as transaction data.

Items that cannot fall into an entity are classified as standalone data.

A classic example is amount or code.

Transaction Definition

Application data is mapped using the transaction definition before transaction monitoring and profiling can begin. Each type of transaction Oracle Adaptive Access Manager deals with should have a separate transaction definition.

Transaction Key

This key value maps the client/external transaction data to transactions in the OAAM Server.


A rule evaluating to true.

Transaction Type

The Transaction Definitions that have been configured in this specific installation such as authentication, bill pay, wire transfer, and others.

Trojan/Trojan Horse

A program that installs malicious software while under the guise of doing something else.


A business, person, credit card, and others, that is authorized to conduct transactions.


Answer validation used in the KBA question registration and challenge process

Virtual Authentication Devices

A personalized device for entering a password or PIN or an authentication credential entry device. The virtual authentication devices harden the process of entering and transmitting authentication credentials and provide end users with verification they are authenticating on the valid application.