As PCI DSS 4.0 takes full effect, organizations, especially Business Process Outsourcing (BPO) companies, must upgrade their security measures to remain compliant. The new standard mandates stricter security controls, including Multi-Factor Authentication (MFA) for all employees, not just administrators, as well as enhanced logging, monitoring, and continuous authentication to prevent unauthorized access.
Traditional security approaches, such as SMS-based MFA, are no longer safe or sufficient. Organizations must seek more secure, seamless authentication solutions to meet compliance requirements and enhance user experience.
How TypingDNA Helps Businesses Achieve PCI DSS 4.0 Compliance
TypingDNA provides two solutions that address PCI DSS 4.0’s authentication and security mandates.
1. TypingDNA Verify 2FA – Secure MFA Without Phones
TypingDNA Verify 2FA eliminates the need for SMS-based MFA, which is increasingly discouraged due to security risks like SIM swapping, phishing, and device theft. It provides organizations with a phone-independent authentication method that:
- Enables 2FA/MFA without a phone, addressing restrictions on personal phone use in the workplace.
- Eliminates reliance on SMS-based MFA, which is both risky and discouraged.
- Ensures compliance with PCI DSS 4.0’s mandatory 2FA requirement by providing an authentication factor beyond passwords or phones. A valid MFA implementation requires authentication from at least two different categories: 1. knowledge (passwords or PINs), 2. possession (phones or hardware tokens), and 3. inherence (biometrics). TypingDNA Verify 2FA falls under inherence, making it an ideal solution for users without access to a phone or external device.
- Integrates with major IAMs: Okta, Ping Identity, ForgeRock, Keycloak, Microsoft Entra.
- A cost-effective alternative to providing employees with work phones or hardware security keys.
How it works?
TypingDNA Verify 2FA works by having users type four words, similar to a captcha. This action verifies their identity through behavioral biometrics, analyzing their typing patterns using a revolutionary AI engine.
The process only takes a few seconds and eliminates the need for phones or hardware tokens.
2. TypingDNA ActiveLock – Continuous Endpoint Authentication
PCI DSS 4.0 mandates real-time monitoring and logging of access to ensure that only authorized personnel interact with cardholder data. ActiveLock continuously authenticates users based on keystroke analysis, mouse behavior, and face recognition (when available), ensuring that only the legitimate user remains active on a device.
Key Benefits of ActiveLock
- Detects unauthorized access within 100 keystrokes and locks the screen if needed.
- Seamlessly integrates with SIEM tools such as Datadog, Splunk, and Grafana/Loki.
- Works in the background without disrupting workflow.
By implementing ActiveLock, businesses can enforce continuous authentication and session security, meeting PCI DSS 4.0’s logging and monitoring requirements.
Why Businesses Need to Act Now
BPOs and financial institutions handle vast amounts of payment data, making them prime targets for cyber threats. With PCI DSS 4.0 now fully in effect, compliance is critical to avoiding penalties, security breaches, and reputational damage.
How TypingDNA Ensures Compliance
- Meets MFA requirements with Verify 2FA, ensuring compliance with the new PCI 4.0.
- Strengthens endpoint security through continuous authentication with ActiveLock.
- Supports real-time monitoring and logging for PCI DSS 4.0 auditing policies.
Final Thoughts
With PCI DSS 4.0 in effect, organizations must upgrade authentication methods to maintain compliance and protect financial data. TypingDNA Verify 2FA and ActiveLock provide a secure and seamless authentication strategy that meets compliance requirements while improving user experience.
Contact us for more information.