Military Connect allows members of the U.S. Armed Forces, veterans, and military family members to be recognized by apps and websites with a secure Military Connect account.

Military Connect is powered by the world’s most secure personal identity authentication system: AerPass. Military Connect protects your privacy, prevents fraud and identity theft, and eliminates all of the hassles around proving your identity. Multi-Party Authentication technology eliminates passwords and guarantees your security and privacy. Your personal identity information is never shared with anyone without your direct consent, putting you in control of your own data.

Your identity is the key to almost everything you do in life and Military Connect works with numerous brand partners to make access easier and safer for you.

As a member, whenever you choose to access a third-party website through Military Connect, you can assert your identity with a single tap without ever sharing any of your personally identifying information. This not only allows you to skip the basic registration steps required by most websites, but it also allows the website to know that you are a verified member of the military market, and the integrity of exclusive military offers are now protected.

Military Connect is designed as a lifetime benefit that provides access to a wide variety of goods and services for our heroes and their families worldwide.  The Military Connect Network Ecosystem includes a very wide variety of companies which offer the very best benefits, services, and products to our members. Any company who is willing to create a unique to the military offer (i.e., military-exclusive pricing, rich cash rewards) can join Military Connect with ease.

Solution overview – STOP, THINK, CHECK

Engage Hub’s Message Authenticator enables BOI’s customers to quickly and easily verify any SMS they receive from the Bank. If a customer suspects an SMS might be fraudulent, they forward the message with a unique keyword CHECK to a dedicated, secure number 50365 and the solution will immediately confirm if the message is genuine or not – the solution carries out a series of real-time, automated security checks based on the SMS received and confirms its legitimacy back to the customer. If the message is found to be fraudulent, the customer will be instructed to follow a set of simple steps such as deleting the message and clear instructions not to click on the link or engage further.

Our client, BOI, has deployed Engage Hub’s pre-emptive approach to fraud management by investing strategically in technology that protects customers. With the service only being in production for just a few months, the Message Authenticator is handling hundreds of queries per day – while proactively protecting customers from fraud and driving calls away from the Contact Centre.

BOI wanted to find a solution that solved two problems – firstly, a solution that enabled customers to feel comfortable about engaging with certain SMSes and alleviating their fear around potentially fraudulent messages.

Secondly, a solution that reduced the number of inbound calls that were flooding the Contact Centre, resulting in higher call wait times, customer dis-satisfaction and increased costs. Customers, depending on their needs can still engage with an agent if they prefer. BOI, along with Engage Hub, is focused on delivering solutions that increase the customer’s options around how they want to be served.

Results

As a new service, customer adoption of this self-service solution in just the first few months has been very good, with 1000s of customers now using the inbound channel to determine the validity of the message. 49% of messages customers have sent in are instantly recognised as valid messages from BOI and 35% of messages have been found to be fraudulent and customers are advised not to click any links or provide any personal information, successfully avoiding a smashing attempt on that customer.

The key stakeholders includes the BOI’s Head of Group Fraud, the Head of the Fraud Contact Centre and the Head of Fraud Technology – all stakeholders had a vested interest in ensuring the solution met their KPIs, preventative fraud measures, reduced call wait times and costs in the Contact Centre while improving the customer experience in an area that has proven quite tough in recent years given the negative experience it causes most customers.

Conclusion

The solution enables BOI to not only keep a step ahead of the cyber-criminals but to significantly reduce negative customer experience and operational costs. It is an out-of-the-box solution that can be deployed speedily and start positively impacting customers’ experience and reducing the pressure on the Contact Centre. Customer trust has been rebuilt with this simple self-service option.

Perks of mFilterIt Solution:

Smooth User Onboarding – Our solution eliminates almost 16 clicks in the current user journey and could reduce it to a single click. The use of dynamic image to replace HTML boxes and provide a swift customer experience with enhanced security.

Risk Assessment – To create Unique Hashed Device Signature, our solution read more than 50 non-PII (Personally Identifiable Information) parameters. We go deep with our solution which has access to Device Reputation Repository with more than 3 billion devices and over 2 billion transaction validations weekly and helps with actionable insights. Using these insights risk score is generated, on real-time basis. Upon identifying it as high-risk category a dynamic image is being shown.

In-App authentication – Rather than using SMS based OTPs and broken passwords which only causes incombence to the user with no security being provided. Our solution deploys Digital Token based Authentication which is unique to device and app to increase user convenience and enhance security. A token generated is used only once during its lifecycle.

The key differentiators of mFilterIt’s solution include a balance of impregnable security and seamless customer experience, use of a non-tamperable real mobile number as High Integrity Unique Identifier, tight coupling between the mobile app, SIM card, and device through a single SDK, and 100% device coverage which is agnostic to the Telco and data or Wi-Fi channel.

The adoption of our solution has resulted in our clients reaping high acquisition rates through quick and secure user onboarding. It has also helped in plugging business losses and increasing revenue through silent and secure in-app authentication. mfilterIt Mobile Identity Solution builds a secure eco-system that prevents creation of fake user profiles, financial fraud, customer data theft, identity theft, and account takeovers via Mobile App Binding &  Token Based Authentication. The solution also proved essential for eCommerce companies by validating Cash on Delivery Orders and preventing Inventory Blocking by BOTs. The solution finds its application across mobile app ecosystem.

Company Profile

We are pioneers in the space of Ad Traffic Validation (ATV), Brand Hygiene Protection, Digital Commerce Intelligence, Direct Carrier Billing Anti-Fraud, along with Mobile Identity &  Risk Assessment. mFilterIt focuses on protecting the digital integrity of Telcos & Enterprises across platforms, along with identifying fraud & plugging leakages.

mFilterIt empowers brands, Telcos and VAS aggregators with data-driven driven growth &  building customer trust with the help of their proprietary AI-based technology. The organization, along with the parent group works with more than 600 clients across 75 countries with the goal of optimizing media efficiencies, giving a boost to mobile money, and making the customer onboarding &  VAS subscription journey frictionless and secure.

In its simplest form, when a user wants to log in to an account, they can be identified by their SIM card via the network operator, removing the need for passwords – this gives the end-user protection, the company the security they know the customer isn’t a scammer, prevents scams and makes for an awesome customer experience.

Sekura’s business has been supercharged by the SAFr framework; operating in ‘submarine mode’ was necessary in the first two years of Sekura’s beginning while infrastructure was put in place and regular traffic – several thousands of transactions per day – was established.

Now Sekura can spread the word, the business can take full advantage of having a unique platform that is such an attractive offering to network operators and partners who sell the service to end clients and users.

It is incredibly easy for them to connect to, returns results in under half a second and can prevent fraud in several ways. In one case study a SIM-swap was flagged by SAFr, this meant that one person would have been defrauded by £25,000.

Now running at around a million transactions per week, it is easy to see the scope of how much fraud SAFr can prevent. With plans in place for vastly increased traffic in 2023, this will only grow.

The SAFr platform allows other companies to bring their traffic to Sekura for reduced costs and this allows them to take advantage of us doing all the hard work for them in interfacing and negotiating with the operators.

How does it work:

1) A customer initiates a standard call to a contact centre or some other agent, such as a delivery driver or taxi driver etc.

2/- The Tata Communications DIGO Anonymize soluton creates a temporary VoIP call and  bridges the PSTN and VoIP call together. the resulting masked number is what is seen by the contact centre or other agent, whenever a transaction is initiated through the application.

3) Whenever the user or the partner calls on this masking number, the call is routed through the Tata Communications DIGO platform. The platform checks the mapping of the incoming number and initiates the masked VoIP call to the relevant agent or partner.

Leveraging TNID, Carriers, Enterprises, Service Providers, and everyone in the chain of custody can play its part in the creation and support of a “Golden Record” because once it’s once created its immutable. All the data, including the LOA, KYC, use cases, and all telecom features and assets associated with a telephone number, live with the enterprise and its chain of custody.

By creating an attested record of identity tied to a telephone number, hackers and fraudsters face a costly and thus-far impregnable system.

On the horizon Web3, where identity is critical. TNID powers the user to claim, identify, attest, and have others confirm its telco identity attached to a telephone number.

An example of a centralized database perfect storm is clear in the USA messaging industry where required registration endpoints currently exist in separate API connectivity for each and are currently required for Enterprise Texting.  TNID’s single API replaces the deployment and support of NetNumber, The Campaign Registry(TCR), Syniverse, and T-Mobile’s APIs.  All of which are currently required within the USA ecosystem.

This same record provided an instant solution for other business and use case registration requirements into yet more databases for Toll-Free and Short Code texting.

In 2023 will protect texting rights and register the Enterprise into the myriad voice registration databases including MEF’s DNO and many others using the same record.

By "Creating a single record to solve them all," is our mantra and can only be accomplished with a community of willing users.

Within 15 days of adopting Upstream’s Mobile Identity, a leading Brazilian MNO secured 13x more user identifications on their website than they had in the previous 3 months using their own solution. In fact, after a further 1.5 months, they made over another 26x more identifications. This is equivalent to 86.4k total users per day and 1.3 million unique users identified during the said period.

Of those users visiting through the operator’s mobile network, Mobile Identity was able to identify 99% of visitors, in addition to more than 30% of those who visited the website via WiFi. This is because the technology can identify users even via WiFi, if they have already been identified once via the mobile network.

The solution was also able to identify over 1,000 unique users per day interested in the operator’s fibre proposition, that would otherwise be just guest web visitors. Recognising their mobile phone numbers though, means that these became known users that can be reached with personalised promotions for fibre internet via mobile messaging channels such as SMS and RCS or even via call centres. With similar identifications taking place for users interested in other products, such as mobile phones, OTT services, mobile plans etc. it is estimated that Upstream’s Mobile Identity could provide an additional revenue opportunity of €6.4m EUR annually for the MNO.

Mobile Identity’s method of first-party data collection enables brands to quickly build-up their CRM databases, and is capable of exceeding a 10x increase in opt in conversions. Designed to work on any browser, website or application, all that’s required is for the user to give their consent via a simple tick box, ensuring user privacy and control.

Upstream’s Mobile Identity enables brands to act directly upon the data they collect. Marketers acquire the ability to manage different audiences and reach them through a wide variety of channels, with emphasis placed primarily on mobile messaging channels. Cart abandonment retargeting campaigns via mobile messaging by Upstream have been proven to recover over 10% of revenue that would otherwise be lost.

For the consumer, the benefits are also multifold. Mobile Identity simplifies user journeys, eliminating the need for sign-ins or logins. With brands able to personalise content on their websites, and make for smoother check-out processes when completing a purchase, users simply provide their consent once, for a better, more engaging, experience.

Mobile Identity can also replace and improve upon older verification technologies, such as one-time passwords (OTPs), using a mobile phone number to automatically verify users in the background without any effort involved. With 20-30% of users dropping-off when asked for an OTP password, it is considered that silent mobile verification via Upstream’s Mobile Identity can significantly improve conversion rates.

Going into 2023, Mobile Identity provides a practical, and powerful, solution addressing the growing problems faced by advertisers in building accurate profiles of their customers. By unlocking the power of first-party data, which many advertisers previously considered out-of-reach, Mobile Identity enables operators to help marketers answer who their customers are, build CRM databases, simplify authentication experiences, provide personalized customer journeys and engage with their audiences through highly effective mobile messaging campaigns. The potential uplift in digital sales through the application of Mobile Identity is estimated between 20-40%.

Second, VOX360 is the only antifraud technology available to eliminate SPAM / artificial traffic. As the industry rightfully points out, the A2P space is currently seeing increasing attacks of unsolicited traffic towards users (generated by industry fraudsters to bill OTTs – as the recent Twitter scandal suggests). The effect is twofold on users: in the case of SPAM, users are at security / privacy risk, while in the case of artificial traffic, they may receive OTP codes they did not solicitate. Example of the later can include a user receiving an OTP code for any financial application, putting the user in alert (thinking somebody is attempting to enter his account) and generating a highly negative experience that is usually taken up with the operator. In both cases however, such unsolicited traffic generates distrust of users with the SMS channel. To this end, VOX is grateful to be apply its innovation to ensure the continued use of this ubiquitous channel.

So far, VOX360 identified & mitigated more than 99% of fraud instances in Voice & SMS, incl. cross channel threats. Vox Solutions has invested a total US$14 million in its anti-fraud solution. Out of that US$5 million was invested in the last 12 months. Research and Development was spread across three global centers to perfect the solution’s algorithms, AI, machine learning and global database technologies:

• AI algorithms development for Voice, Flash-call and SMS patterns
• Research into data and metadata mining techniques with specific focus on Voice, flash-call and SMS traffic
• Intelligent automation and tool development for robust and scalable operations
• Flash-call monetisation module improvement
• SMS and VOICE firewall capabilities improvement

The results relating to our anti-fraud solution are very impressive. So far 21 customers are using our solution, for which we have managed to reduce voice and messaging fraud by 98%, to increase monthly messaging revenue by between 4-17 times and to double their SMS traffic. We are currently onboarding over 30 new customers in 25 countries. To date this year, new revenue generated reached US$30+ million vs US$13 million, compared to last years period.

It comprehensively secures the data plane in addition to the security provided by ZARIOT on the cellular control plane. From sensitive patient data to household electricity usage patterns, data gathered and shared is encrypted from device to cloud and all the way to the users application.

Data is not visible or available to any 3rd parties without the owner’s consent, and access to subsets of data can be tightly audited and controlled thanks to verification of unique identifiers. The device itself is also protected from cyberattacks as IoT Trust eliminates the need for open IP ports and reduces complexity by reducing reliance on firewalls, VPN, and other security architecture. This allows service providers to offer complete GDPR, CPRA or industry specific (e.g. HIPPA) compliance to their end users, as well as protect business-critical and other sensitive information.

It is highly accessible and economical as it doesnt require added device hardware, can be retrofitted to almost any device with an eUICC SIM, and simplifies secure access to devices for configuration and maintenance, making projects more effective, faster to deploy, and lowering operational costs.

Thanks to Zeotap CD’s impactful suppression capabilities to spend smarter on acquisition campaigns, Virgin O2 reduced cost per order (CPO), while freeing up budget for other prospecting campaigns. Through the use of Zeotap’s CDP, Virgin Media O2 was able to save £1 million in direct budget and increase its conversion rate by 43%. Additionally, the cost per order was reduced by 37% by suppressing 70% of existing customers from its digital campaigns.

This case has been presented at the DTW, Digital Transformation World, in Copenhagen the 20th of September 2022 in a panel entitled Unleashing the power of first party data: How breaking data silos is making customer acquisition more efficient at large scale for telcos and to the DMEXCO, Digital Marketing Exposition & Conference, in Cologne the 22nd of September 2022,  in a lecture, entitled CDP made easy: how suppressing existing customers from paid media, saved Virgin Media O2 £1M, and brought more new customers in return.