Passwords are not the most secure way of protecting accounts. Sometimes users forget their passwords and need to reset their credentials. When a password reset request is issued, or when businesses need multi-factor authentication to keep accounts safe from hacking and breaches, an additional authentication method such as phone ownership and possession verification can be utilized.
Zumigo can issue one-time passcodes (OTPs) by SMS link, voice to landline, or email to verify that the mobile phone number belongs to the user and that the device is in the hands of the consumer. Upon entering the passcode, Zumigo compares the existing customer’s name and address to the name and address on file with the carrier and returns a set of risk signal and scores. With SMS link, Zumigo can passively authenticate the mobile number in session.