Can you imagine being able to equip your customers with a secure identity management device with electronic certificates simply and economically ? That’s what MEDISCS and KEYNECTIS are offering with their K.Access solution.

	« Mr Smith is a customer of MKBank and in accordance with the security reinforcement recommendations made by the Banque de France, he receives a single-use code to initialise his electronic identity manager. He received the code by e-mail, post, face-to-face in the bank or by OTP SMS, for example. He connects to his bank online and keys in his first-time access code.
He is invited to connect a standard USB key ; the one he uses everyday our one his MKbank branch has issued him with free of charge. He can also use any mass storage device... (MP3 player, Ipod, Mobile phone...) He chooses his PIN code. This is important, because this is the code he will be asked for whenever an online banking operation needs to be validated. (The same logic as for the use of a bank card.) »
	« His USB key initializes, encrypted loading of the safe, the electronic certificate or certificates...Once this operation has been completed, he can obtain the certificate... His Pin code (logical element) associated with his USB key (physical element) have become the means for him to authenticate his identity with his online bank and for all sensitive operations (external transfers, signing contracts and subscribing to services etc...)
When he inserts the key into any PC or Mac, he will be invited to type his pin code on a secure virtual keyboard in a protected zone. On validation, he will be instantly connected to his bank account online. His identity will have been automatically authenticated via the presentation of his electronic certificate without any other operation! His USB key transformed into K.Access is considered by the system as a virtual chip card and it guarantees the highest level of security for transactions. The risks of phishing, pharming and Man-in-the-Middle fraud are thus eliminated. »
	« He can then carry out various operations, such as validating his bank statements online, taking out a loan or subscribing to various services (insurance, etc.) and can also do online shopping in 3DSecure on other sites. Each time, the use of his PIN code will provide strong authentication.