Initial Target Market

Travel Loyalty
Vality provides user authentication for travelers in all transactions accessing their loyalty points and arranging their  travel itinerary. A DFA is created for each transaction, preventing the any action to be taken on behalf of the real owner, unless he/she agrees to the requested action.  The Vality authentication is based on the users’ account number and other selected identifiers.
Vality provides user authentication in addition to the current access granted to the banking application that would allow ACH or other transactions to occur. Vality authentication obfuscates the customer’s account number that stops account takeovers. In addition, Vality authentication creates non-repudiation records, providing additional proof of the transaction by the account owner.
HEALTHCARE – Insurance and Government Programs
Vality authenticates customers and their devices for all services offered by healthcare providers. Vality Keyless Authentication works with healthcare providers’ membership numbers to protect any Personal Identifiable Information (PII).
Vality provides user authentication for crypto owners in any transaction involving the owners crypto wallet. A DFA is created for each transaction, preventing the owner from transferring crypto value unknowingly. The authentication is based on the users’ wallet address (42 alpha numeric characters) or their ENS (Ethereum Name Service) name.
Vality’s customers are Gaming Operators that create and maintain accounts for guests who play and/or gamble online. Funding these accounts include a card-on-file or a bank account on file before the account is used. Vality’s software prevents account takeovers by securing data in the accountholder’s smartphone. Vality authentication is based on the customer’s account number as assigned by the operator.
For ecommerce payment transactions, Vality provides transaction authentication which includes consumer verification and card/payment credentials authentication. Vality solution can reduce CNP card payment fraud over and above the current data analytics systems that leave about 50% of fraudulent transactions unblocked.