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Todos AB - Security for eBanking and eCommerce

Security for eBanking and eCommerce

Patented Todos Technology Promises a New Era in Smart Card Security

Todos has developed a patented technology called Autograf which allows banks to set
up a secure session with a smart card via the internet, a user’s PC and a Todos
connectible smart card reader, such as the C400.

Think of Autograf as a secure virtual private network between the bank and the smart
card reader, immune to computer viruses, eavesdropping and hackers.

Internet crime keeps growing and traditional protection, such as SSL links on web
browsers, look increasingly vulnerable because of computer viruses, spoofing and
man-in-the-middle attacks. This new technology bypasses these risks and provides a
trustworthy, secure communications channel.

The system ensures secure data entry. Hackers cannot modify or steal information that the user enters. This makes the
technology an ideal way to protect sensitive customer data (such as PIN numbers) or transaction information (such as
bank account details).

Banks would like to be able to do more with card readers and Todos’s new technology makes it possible. For example,
they could let customers change their PIN code. Banks would also like to be able to do card management online. They
could, for instance, download a loyalty application or new business functionality directly to the smart card.

In addition, Autograf enhances existing Todos transaction authentication functionality such as Dynamic Signatures
(which varies the level of authentication according to the value of the transaction and the level of risk) and Sign-What-
You-See 2.0 (which lets users verify transaction details, such as price, before approving them). The technology is
currently being tested and will be available on Todos connectible smart card readers.

“Attacks on SSL have made banks worried,” said Peter Gullberg, VP for Product Strategy at Todos. “Our patented
technology takes trust to a whole new level and allows banks to set up secure links directly to the smart card reader
itself, bypassing existing threats and risks completely. We hope it will cut down internet crime and allow banks to do
much more with their smart cards.”