QR Code Authentication
Overview
QR Code Authentication verifies users by having them scan or present a time-bound QR code to establish secure possession of a device or session. Typical flows include: (a) web shows a QR; the user scans with a trusted mobile app to approve login; or (b) a mobile app displays a QR that a branch device or kiosk validates.The QR encodes a nonce or challenge that’s signed or confirmed via a trusted channel, reducing password exposure and phishing risk. It’s used in banking logins, payment approvals, and branch/agent-assisted onboarding. Security hinges on short expiries, TLS, device binding, and replay prevention. For compliance, it supports strong customer authentication by adding possession and, often, biometric factors on the approving device, while offering low friction for users.
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FAQ
What is QR Code Authentication?
A possession-based login or approval method using short-lived, scannable challenges. It reduces password exposure and mitigates phishing.
Why do banks use it?
It binds approvals to a trusted device and app, enabling SCA/MFA with a smooth UX. It’s resilient against credential replay.
How is it secured?
Time-limited nonces, TLS, device attestation, and signed responses prevent tampering and replay. Back-end risk checks add defense-in-depth.
Any pitfalls?
Screen-capture/share risks and offline spoofing attempts; enforce expiries, display origin hints, and app-side biometrics.