CNBSignIn uses a high-level encryption system to authenticate passwords before access is granted to the user. To accommodate a spectrum of users the PINs also can be distributed through e-mails and SMS messages. CNBSignIn uses a mobile device application and a back-end application to generate and manage the secure two-factor authentication passwords. Once the application is installed on the mobile device, it generates unique, one-time, alpha-numeric passwords for authentication, with a few keystrokes. A back-end system manages the password authentication and provides users access to their data. The solution does not require network availability, SMS messages or phone calls to authenticate the customer's identity.
