What is IdCloud Authentication?

IdCloud Authentication is the short name for Thales Digital Banking Identity Cloud Authentication. It is a comprehensive service offer that provides several layers of security to protect online and mobile banking services.

Traditionally these security services were implemented and managed by banks in-house, but over the last few years a growing number of financial institutions have shown interest in moving some of their services and IT infrastructure to the Cloud, in search of greater agility when deploying their customer-oriented services, scalability, and cost efficiency.

Once IdCloud Authentication is integrated into your system, your users can use it to perform the following scenarios:

Scenario	Description
Mobile Enrollment for OATH	Enroll a user’s device (OATH only) so it can generate an OTP.
Mobile Enrollment for OATH + Out Of Band	Enroll a user’s device (OATH and Out of Band) so it can generate an OTP and use Out of Band Channels for authentication.
In Band OATH Authentication	Authenticate a user.
Offline OATH Authentication	Authenticate a user (manually enter OTP).
Out Of Band OATH Authentication	Authenticate a user out of band.
In Band OATH Challenge-Response	Authenticate a user using the challenge-response mechanism, rather than a simple OTP.
Offline OATH Challenge-Response	Authenticate a user (manually enters challenge and OTP).
In Band OATH Transaction Signature	Sign a transaction.
Offline OATH Transaction Signature	Sign a transaction (manually enter OTP).
Out Of Band OATH Transaction Signature	Sign a transaction (Out of Band).