However, as technology becomes more and more sophisticated, fraud related incidents also become more prevalent. These occurrences generate billions of dollars worth of losses and bring distress most especially to the banking sector. APG***1 PINhandy 1 OTP Generator addresses this problem.  

APG***1 PINhandy 1 is a portable and cost-efficient handheld smart card device capable of managing Dynamic One-Time Passwords, Challenge-Response Authentication Codes, and Transaction Data Signing (PKI digital signatures). It uses a two-factor authentication process where the cardholder is required to insert an EMV card (something he has) into the device and enter a PIN code (something he knows) using the built-in PIN-pad. Verifying both the card and PIN code, APG***1 generates a one-time password that can only be used once for each online transaction. These steps allow the device to inhibit emerging man-in-the-middle attacks that aim to steal and use confidential information.

APG***1 PINhandy 1 supports both PC-linked and standalone modes, and has Secure PIN Entry (SPE) support to protect every PIN code from security attacks when the device is on PC-linked mode. A high quality and reliable device, it is compliant with major banking, computing and safety standards such as Mastercard® CAP and PLA, VISA DPA and EMV Level 1. Banks may now deliver APG***1  to individual customers in bulk/volume without the concern for sensitive data handling!