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== Reliance Authentication == Reliance authentication is a part of the trust-based identity attribution process whereby a second entity relies upon the authentication processes put in place by a first entity. The second entity creates a further element that is unique and specific to its purpose, that can only be retrieved or accessed by the authentication processes of the first entity having first being met. Reliance authentication can be achieved by a single or plurality of tokens with random characteristics being transmitted to a secure area controlled by the first entity, where such secure area is only accessible by the person authorised to use the account. The secure area may be an online banking portal, telephone banking system or mobile banking application. The token is often in the form of a single or plurality of debit or credits to a financial account, where the numerical values of the debit or credits form the token, whose numeric value is to be confirmed by the account holder. The token(s) are retrieved by the cardholder accessing a secure area from the 1st entity's secure area, which is protected and accessible only by satisfying the 1st entity's authentication means. In the case of financial services, authentication to access the secure area normally includes multi-factor and in the SEPA would likely involve Strong authentication. The transmission and requirement to retrieve the token(s) adds a further challenge and response factor to the overall authentication process, when considered from the point of view of the 2nd party, which generates and transmits the tokens. The token(s) may be generated by the 2nd party dynamically, and can thus act as one time password(s). The reliance authentication method has particular application with financial instruments such as credit cards, e-mandate and direct debit transactions, whereby a person may instigate a transaction on a financial instrument, however the financial instrument is not verified as belonging to that person until that person confirms the value of the token. The reliance method often incorporates an out of band response means, once the tokens have been retrieved from the secure area. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Reliance authentication」の詳細全文を読む スポンサード リンク
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