Pain points

Payment card fraud costs the global economy $27.85 billion in a single year, and this is projected to rise to $40.63 billion by 2027, according to The Nilson Report.

- Card Not Present (CNP) Fraud is rapidly increasing

CNP Fraud is rapidly increasing globally through online and offline transactions where static values such as ID/PW account information and card number are exposed. To prevent this, an average of 21 passwords are used per internal employee, and 50% of the work at the Company Help Center is to reset passwords.

Pain points

- Problems are still coming up

Many technologies have been introduced to solve problems of static values and the contactless payment system (Tap to Pay) market is steadily growing with the benefits of convenience and hygiene especially after COVID19 outbreak. However, given that the risk of sniffing attacks during card cloning and NFC communication continues, there is no perfect solution for both online and offline.

- Absence of Integrated Card product covering every function - payment, access, identification, login and etc.

Despite the inconvenience of carrying more than 3.5 cards per 1 person for payment, identification, and access purposes, there is still no multi-purpose integrated card. There is a trend to solve these inconveniences by handling multi-functions with mobile, but there are also problems caused by the centralization of information in mobile phones.

  • PIN/Biometrics

    Expansion of PIN/ biometrics card use

    Static card number

  • Virtual card number

    Virtual card number using mobile phone

    Online only

  • Dynamic CVC

    Change only CVC/CVV 3 digits

    Offline only


Through the patented One-Time Authentication Code (OTAC) algorithm, you can generate your ID/PW and your card number with dynamic codes even in the off-the-network environment without the help of any additional infrastructure. If the OTAC applet is embedded on you everyday credit/debit card, your card can perform not only payment function but also access authentication and financial transaction authentication, and furthermore, it can be used in system login and identity verification, since the IC chip card can be connected to your smartphones and access devices via NFC.

card can be connected to your smartphones and access devices via NFC.

  • OTAC card numbers change constantly without a network connection.
  • The dynamic card number has 0% possibility to be duplicated with others.
           (The quantum random number generation can be duplicated.)
  • It can recognize who the card holder is with only the dynamic card number.
  • All of the above is possible without changing the existing payments infrastructure.
  •  OTAC Applet size is just 10KB, installed in wherever Smartcard chip can go.

All-in-One Card

SSenStone provides an all-in-one simple card and integrated security authentication service that enables your payment, financial transaction authentication, access authentication, and app/web login by simply embedding the OTAC applet. What if one card could be used for a variety of purposes, including access card, ID card, membership card, and even payment? Carrying multiple cards is no longer necessary. Payment, access, system login, Advanced-OTP, or user identity verification, you name it. You can be assured of greater convenience and security via multiple features in one card.

All-in-one Card.jpg

Numberless Card

Numberless Card

A physical payment card holds information, such as 16-digit numbers on the front, expiry date and the three-digit card verification code on the back. The challenge with the current method is that these numbers are static. They don’t change. Sure, we can issue a new credit card with the new details every single week, but do we? Of course not.

SSenStone’s numberless card does NOT contain any card details written on the physical card. Instead, you will use secret card details that dynamically change every time you try to use them, provided by an OTAC algorithm embedded in the card, which means the numbers will not be reused.

Offline payments
The card functions in exactly the same way as any other cards that we use today do - Chip & PIN or contactless.

Online payments
OTAC integrated banking apps will allow users to be able to generate one-time dynamic card numbers, expiry dates and CVV/CVCs. These dynamic card details can be used in ANY e-commerce payment pages around the world.

Biometric Display Card

Biometric Display Card

Many consumers demand a payment method that is as easy to use as it is secure. Consumers will also complain if they have to use banking apps every time they pay for shopping. SSenStone solves this problem with its Biometric Display Card.

SSenStone’s Biometric Display Card gets activated with the user’s fingerprints only. Once the user scans his or her fingerprint, the display on the card will show a one-time dynamic card number, expiry date and CVV number.

This product is unique. There are cards with the biometric facility, but ours is the only one anywhere in the world that has both the biometric facility and the dynamic number regeneration algorithm built into the card.

Virtual Card & Corporate Card

Virtual Card & Corporate Card

Some people don't want to use new card details every single time. If you're with the SSenStone, you don't have to worry about this. 98We provide Virtual Card solutions to businesses where their users can generate virtual cards to be saved on mobile wallets or on a web browser. Upon generation of a virtual card, users can specify the merchants, budget and even the expiry dates. Complete control and personalisation.

The best part of SSenStone’s virtual card is that the user can generate virtual cards as many times as they want. As a result, it is easy to be shared with a number of different users in a most secure way.

A fantastic example of this is a parent creating a virtual card for their child which can then be saved on their mobile wallet. This will give the parent control over the usage and spending.

These features can be furthered into Corporate Cards. Now dedicated account managers of the partner corporations can create virtual cards for their employees on-demand, as many as they want, all by themselves. Banks no longer need to spend a lot of resources in issuing every single corporate card for each employee within its corporate clients.


OTAC, developed by SSenStone, is the original technology that provides all of the following features at the same time.

Main Image

    OTAC is a dynamic code, which means the code keeps changing. As a result, you don’t need to worry about any leak of your personal information, such as your card details, because the codes must have already been changed when others try to use them.

    The network connection is NOT necessary at all for generating OTAC.

    Reducing an authentication stage that requires the network connection directly means there are fewer gateways for the hackers to access our personal information.

    Moreover, this feature enables users to authenticate even when they are in networkless environments, such as on the plane, underground, rural or foreign areas.

    swIDch can guarantee that the code never duplicates with anyone at any given moment.

    There is NO chance of someone else having the same code.

    The users or their devices can be identified with the code alone.

    Once OTAC has been generated, providing OTAC alone is already fully sufficient to identify the user as the code is unique.

    It means, you can forget about the bundles of static information including IDs and passwords.

University of surrey

The University of Surrey, one of the leading global cyber security companies in the UK, conducted OTAC algorithm analysis and academic verification of SSenStone. For the full text of the thesis, please visit the University of Surrey website and download the report.

Contact Us

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make your service reliable with SSenStone!

Inquire now.

5F, 329, Cheonho-daero Dongdaemun-gu, Seoul, Republic of Korea

Contact below if you have an urgent inquiry.

Korea Office (SSenStone)

5F, 329, Cheonho-daero Dongdaemun-gu, Seoul, Republic of Korea (02622)

Tel : 02-569-9668  |  Fax : 02-6455-9668

UK Office (swIDch)

swIDch Ltd Office 176, 1st Floor, 3 More London Riverside, London SE1 2RE

Tel : 020-3283-4081