Strategy 14

Loyalty ProgrammeBranded CardsXMS - Mobile Banking

Practise Safe Text
There is little that can be done to prevent text messages being intercepted, but if the text message is encrypted then it will not be readable by anyone.

Even the guys who created the software would not be able to de-crypt the messages!

Public key – Private key

The system works on the basis of “Public key - Private key” technology. This is the basis of digital signatures too.
When you have the software, you “pair” with someone with whom you wish to communicate securely. They, too, need to have the software (or be a special server).

You can only communicate with those with whom you have “paired”. This also adds to the security of the process.

You “pair” by exchanging “public keys” but you never disclose your “private key”.


Xecure Text (XMS)
XMS (Xecure Messaging Service) is a java-based software that sits on your handset and allows you to send, store and receive text messages in encrypted format.

It's as easy to use as normal SMS - in fact, it is an SMS - BUT it is always encrypted unless you apply your "Private key" to decrypt a message.

Snooping - No-one can get to your messages without your "Private Key". If anyone manages to bypass your "Public Key" the message they see will be encrypted and unreadable.

Intercepting - if anyone intercepts your message, it will be in encrypted format and unreadable

Spoofing - your XMS is tied to your handset and so no-one can send a message and pretend it has come from you.

Modification - your XMS cannot be modified since no-one can read it to change it!

Remote Snooping
- cannot happen without your "Private Key" for access and if they did access the message is encrypted and unreadable
 
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