Joseph Steinberg of Green Armor Solutions Wins Coveted Award

Joseph Steinberg, C.E.O. of Green Armor Solutions, has been named one of New Jersey’s top forty business leaders under the age of forty by NJBIZ, New Jersey’s premiere business magazine.

http://www.pr.com/press-release/47332

Hackensack, NJ, August 03, 2007 -- Green Armor Solutions, a leading provider of information security software, announced that its C.E.O., Joseph Steinberg, has been named one of New Jersey’s top “Forty Under 40” by NJBIZ, New Jersey’s premiere business magazine.

The Forty Under 40 awards program honors a select group of outstanding business leaders under the age of forty, who, despite their young age, are already recognized across New Jersey’s business community for their strong leadership, outstanding ethics, and professional excellence. Forty Under 40 is sponsored by AXA Advisors and Wiss & Company, Certified Public Accountants.

Joseph and his counterparts will be honored on September 24, 2007 during a gala reception at The Palace in Somerset, NJ, and will be featured in a special supplement to NJBIZ on October 1, 2007.

“We are truly honored to have the opportunity to recognize these outstanding individuals,” said David A. Shankweiler, CEO of Journal Publications, parent company of NJBIZ, of the Forty Under 40 awardees. “As business and community leaders, they are constantly redefining success within the business arena. These individuals share a commitment to business growth, professional excellence, and to the community. They are shaping the economic future of New Jersey.”

Under Joseph’s leadership, Green Armor Solutions successfully created several highly-differentiated information-security products, established a significant portfolio of intellectual property, beat major competitors for lucrative deals, achieved profitability, and won recognition in the marketplace as a technology leader.

Prior to joining Green Armor Solutions, Joseph served in senior-management capacities at several consulting firms and product vendors, after working in technical positions at Citibank and AT&T. He is the author of two books, as well as of numerous articles on various topics related to business, information technology, and digital-age security. Joseph earned an M.S. in Computer Science from New York University, and holds several advanced certifications in information technology. He is also a member of Mensa, an active supporter of programs for the disabled, and actively involved in several charities.

About Green Armor Solutions Inc.

Green Armor Solutions offers innovative solutions to information-security challenges facing today’s businesses. Its Identity Cues series of products leverage a unique blend of psychology and technology to help deliver maximum security with maximum user convenience. They provide strong two-factor authentication and site authentication thereby helping to protect against phishing, pharming, and online fraud, while allowing users to continue to enjoy the simple, comfortable user experience with which they are already familiar. Identity Cues authentication products can help companies address security and privacy requirements as part of compliance initiatives for FFIEC/NCUA Authentication, HIPAA, and GLBA. Green Armor’s systems help secure numerous financial environments including those at First Bank, EPIC Advisors, and hundreds of credit unions. For more information please visit:
www.GreenArmor.com

Green Armor Solutions Wins Award for Best Site (Mutual) Authentication Technology

Green Armor Solutions' mutual authentication technology has been deemed the Best Site Authentication technology on the market by Aite Group. For a full copy of Aite's report please visit:

http://www.greenarmor.com/Green_Armor_Solutions_News-2006-09-26.shtm

Green Armor Solutions Delivers First Complete Mobile-Banking Authentication Platform

Green Armor Solutions Delivers First Complete Mobile-Banking Authentication Platform

Multi-factor and Site Authentication Provided from Mobile Devices and Web Browsers

http://www.greenarmor.com/Green_Armor_Solutions_News-2007-07-19.shtml

July 19, 2007 - Hackensack, NJ - Green Armor Solutions announced today the first complete authentication platform for securing access to web sites from mobile devices and smartphones such as Apple’s iPhone, RIM’s BlackBerry devices, Motorola’s Q phone, Palm’s Treo series, and other handheld computers. The new Mobile Authentication Module for Identity Cues Two Factor assists financial institutions in ensuring proper FFIEC-mandated security is met when users access online banking from mobile devices. Green Armor’s unique technology provides both multi-factor authentication and site authentication optimized for users accessing business systems from handheld devices, and delivers this unparalleled level of security without requiring users to install any software on the devices, re-enroll, carry additional security devices, or undergo extra steps during the login process. Mobile banking offers customers convenient access to banking from essentially anywhere. Yet, it introduces serious risks of phishing and online fraud, as handheld devices typically do not have any anti-phishing technology built in, and criminals can easily implement phony web sites that mimic mobile-enabled banking sites. Green Armor’s anti-phishing technology, now optimized for mobile access as well as computer-based web access, leverages human psychology in its design, and can help defeat such attacks. Green Armor’s system has consistently proven to be both more secure and more user-friendly than competing products. The Aite Group has described Green Armor as providing the “best site authentication,” and Neil Steffen, Senior Manager at EPIC Advisors, noted that after comparing authentication solutions from several vendors he “found Green Armor’s technology to be head-and-shoulders above those of the other firms. The Green Armor system simply offers a much better user experience as well as stronger security than the technology offered by competing providers.” Green Armor’s Identity Cues series of enterprise authentication products now allows organizations to leverage a single authentication platform for both smartphone and computer-based web access. The technology offers unparalleled simplicity for users (users do not need to enroll, install any software, carry any extra security devices, memorize any new information, or perform extra steps during login) and advanced security (for example, offering multiple defenses against man-in-the-middle attacks as well as against next generation psychology-based attacks, both of which are surfacing as serious vulnerabilities in many authentication systems). “With the delivery of our new Mobile Authentication Module, Green Armor Solutions now enables firms to offer users maximum access with maximum security and maximum convenience,” said Shira Rubinoff, President of Green Armor Solutions. More information about Green Armor Solutions and its Identity Cues series of products can be found on the Green Armor Solutions web site at: http://www.greenarmor.com/. About Green Armor Solutions Inc. Green Armor Solutions offers innovative solutions to information-security challenges facing today's businesses. Its Identity Cues series of products (all patent-pending) leverage a unique blend of psychology and technology to help deliver maximum security with maximum user convenience. They provide strong two-factor authentication (exceeding FFIEC and NCUA guidelines) as well as site authentication (mutual authentication) that help protect against phishing, pharming, and online fraud, while allowing users to continue to enjoy the simple, comfortable user experience with which they are already familiar. Identity Cues authentication products can help companies address security and privacy requirements as part of compliance initiatives for FFIEC/NCUA Authentication, HIPAA, and GLBA. Green Armor’s systems help secure numerous financial environments including those at First Bank, EPIC Advisors, and hundreds of credit unions. For more information please visit: www.GreenArmor.com The marks Green Armor Solutions, Green Armor, Identity Cues, Identity Cues Two Factor, and the Green Armor Solutions logo are trademarks of Green Armor Solutions, Inc. All other marks are the trademarks of their respective owners. --- Note: Green Armor Solutions Inc. does not update the contents of its press releases after the releases have been issued. As a result, information in a particular press release may not be accurate if read at a point in time subsequent to the initial release. Furthermore, to the extent that any press release contains information that is not historical fact, that information should be considered opinion or forward-looking.

YODLEE AND GREEN ARMOR SOLUTIONS FORM STRATEGIC ALLIANCE TO STRENGTHEN ONLINE SECURITY

YODLEE AND GREEN ARMOR SOLUTIONS FORM STRATEGIC ALLIANCE TO STRENGTHEN ONLINE SECURITY

REDWOOD CITY, CA and HACKENSACK, NJ – June 4, 2007 – Yodlee, Inc. and Green Armor Solutions, Inc. today announced a strategic alliance that will enable Yodlee’s online banking, bill pay, and transactional services to seamlessly interoperate with Green Armor’s strong, two-factor/two-way authentication solutions.

Yodlee solutions give consumers and small businesses secure online and mobile access to personal account data from thousands of financial sources in order to deliver personalized, functionally-rich personal financial management (PFM) and bill pay applications. Yodlee-powered services are used today by nearly 8 million consumers at leading financial institution and portal sites.

“Yodlee is working with Green Armor to deliver a heightened level of online security while protecting the convenience and access of information that consumers have come to expect on the Internet,” said Joseph Polverari, senior vice president, global alliances at Yodlee. “Green Armor’s approach was appealing to us because it delivers the strength of both two-factor and site authentication without hindering the user experience. Through our own innovation and through partnerships with leading authentication providers like Green Armor, Yodlee is working to help reduce the risk of online fraud and improve customer confidence when it comes to online banking and bill pay.”

Several financial institutions have recently gone live with the Green Armor’s Identity Cues Two Factor authentication system, which both authenticates users to websites, as well as websites to users. Because it leverages a combination of psychology and technology in its core design, the Green Armor platform is more effective, simpler to implement, and far easier to use than alternative offerings. It has also proven to withstand various attacks to which other strong authentication systems have fallen victim.

“According to a recent report from the Aite Group, Green Armor’s design is ‘superior to the approach currently supported by competitors’,” said Shira Rubinoff, President of Green Armor Solutions. “With Green Armor’s Identity Cues systems, two-factor and site authentication are both achieved without forcing users to enroll, install any software, carry any devices, memorize any information, or perform extra steps during the login process. That is a huge advantage for ensuring minimum user impact while delivering maximum multi-factor and site authentication protection.”

Yodlee’s online financial solutions - including PFM, bill pay, banking, funds transfer, wealth management and risk management applications - are privately labeled and available in hosted or enterprise software editions to financial providers worldwide. Yodlee is also an established contributor to industry forums such as the Financial Services Technology Consortium, BITS, and the Liberty Alliance, working to help develop new standards for online authentication and stronger security practices.

More information about Green Armor Solutions and its Identity Cues series of products can be found on the Green Armor Solutions web site at: http://www.GreenArmor.com/.

About Green Armor Solutions Inc.

Green Armor Solutions offers innovative solutions to information-security challenges facing today's businesses. Its Identity Cues series of products (all patent-pending) leverage a unique blend of psychology and technology to help deliver maximum security with maximum user convenience. They provide strong two-factor authentication (exceeding FFIEC and NCUA guidelines) as well as effective site authentication (mutual authentication) that protects against phishing, pharming, and online fraud, while allowing users to continue to enjoy the simple, comfortable user experience with which they are already familiar. Identity Cues products can help companies address security and privacy requirements as part of compliance initiatives for FFIEC/NCUA Authentication, HIPAA, and GLBA. Green Armor’s systems help secure numerous financial environments including those at First Bank, EPIC Advisors, and hundreds of credit unions.

www.GreenArmor.com

About Yodlee
Leading financial institutions trust Yodlee to power critical online banking applications that increase profitability and drive more value from the online channel. Yodlee’s proven consumer banking, payments solutions, wealth management, and risk management applications unify all personal financial account information to deliver a simple, centralized and secure way for consumers to manage all of their financial tasks – any time, anywhere. Yodlee makes financial institutions’ websites essential to their customers and generates new revenue opportunities. Over 100 leading financial institutions and portals, including Ameriprise Financial, AOL, Bank of America, Fidelity, JPMorgan Chase, Merrill Lynch, and MSN, today offer Yodlee-powered solutions to millions of customers worldwide. Yodlee operates in the United States and Europe and is headquartered in Redwood City, California.

www.yodlee.com

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Note: Green Armor Solutions Inc. does not update the contents of its press releases after the releases have been issued. As a result, information in a particular press release may not be accurate if read at a point in time subsequent to the initial release. Furthermore, to the extent that any press release contains information that is not historical fact, that information should be considered opinion or forward-looking.

First Bank Selects Green Armor Solutions for Online Banking Authentication

Cites Green Armor’s Stronger Security and Better User Experience

CLAYTON, MO. and HACKENSACK, NJ – February 6, 2007 – First Bank, with nearly 200 branches in the United States and more than $10 billion in assets, announced today that it has selected Green Armor Solutions to implement two-factor and site/mutual authentication to secure First Bank’s online banking systems. First Bank reported that the selection followed an exhaustive process of comparing and testing authentication solutions from numerous leading vendors.

Green Armor Solutions will enable First Bank to strengthen authentication for online banking and to meet FFIEC security guidelines without sacrificing user friendliness, and without forcing First Bank’s customers to endure enrollment processes or extra steps during each login. The system will also provide simple, straightforward, and psychologically efficient site authentication, helping to protect First Bank’s customers from phishing scams and related fraud without requiring effort by end-users.

“Both the security and usability of our online banking channel are absolutely critical to us at First Bank,” remarked Michael Benney, Senior Vice President of Information Technology. “We thoroughly researched and compared authentication systems from numerous vendors before selecting Green Armor based on its unique strengths in the areas of both security and user-friendliness.”

Green Armor Solutions' Identity Cues™ series of enterprise software products leverages a combination of psychology and technology, thereby delivering a solution that is both more effective and easier to implement than alternative offerings. It stands out in its simplicity for users (users do not need to enroll, install any software, carry any devices, memorize any information, or perform extra steps during login), and its security (for example, offering multiple defenses against man-in-the-middle attacks as well as against next generation psychology-based attacks, both of which are beginning to surface as serious vulnerabilities in many authentication systems).

"We are excited to have been chosen as the authentication platform for First Bank, its affiliates, and its subsidiaries," said Shira Rubinoff, President of Green Armor Solutions. "First Bank’s due diligence during the vendor selection process demonstrates the significance it places on online banking, security, and customer satisfaction. The selection of Green Armor by such an institution highlights the superior nature of Green Armor’s technology and the true business value that our advantages bring to our customers.”

More information about Green Armor Solutions and its Identity Cues series of products can be found on the Green Armor Solutions web site at: http://www.greenarmor.com/.

About Green Armor Solutions Inc.

Green Armor Solutions offers innovative solutions to information-security challenges facing today's businesses. Its Identity Cues series of products (all patent-pending) leverage a unique blend of psychology and technology to help deliver maximum security with maximum user convenience. They provide strong two-factor authentication (exceeding FFIEC and NCUA guidelines) as well as effective site authentication (mutual authentication) that protects against phishing, pharming, and online fraud, while allowing users to continue to enjoy the simple, comfortable user experience with which they are already familiar. Identity Cues products can help companies address security and privacy requirements as part of compliance initiatives for FFIEC/NCUA Authentication, HIPAA, and GLBA.

www.GreenArmor.com

About First Bank

With over $10 billion in assets, First Bank is one of the largest privately owned banks in the United States. First Bank services customers throughout the United States, and operates nearly 200 branches in Missouri, Illinois, Texas and California.

www.fbol.com

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Note: Green Armor Solutions Inc. does not update the contents of its press releases after the releases have been issued. As a result, information in a particular press release may not be accurate if read at a point in time subsequent to the initial release. Furthermore, to the extent that any press release contains information that is not historical fact, that information should be considered opinion or forward-looking.

Tampa Bay Federal Credit Union Selects Green Armor Solutions for Online Banking Authentication Cites Green Armor’s Stronger Security and Better User Experience TAMPA, FL and HACKENSACK, NJ – February 5, 2007 – Tampa Bay Federal Credit Union (Tampa Bay Federal), which has more than 40,000 online members, announced today that it has selected Green Armor Solutions™ to implement two-factor and site/mutual authentication to secure Tampa Bay Federal’s online banking systems. Tampa Bay Federal reported that the selection followed a thorough process of comparing authentication options from several vendors. Green Armor Solutions will enable Tampa Bay Federal to strengthen authentication for online banking and to meet NCUA and FFIEC security guidelines without sacrificing user friendliness, and without forcing Tampa Bay Federal’s members to endure enrollment processes or extra steps during each login. The system will also provide simple, straightforward, and psychologically efficient site authentication, helping to protect Tampa Bay Federal’s members from phishing scams and related fraud without requiring effort by end-users. “We at Tampa Bay Federal were looking to implement strong authentication for online banking without sacrificing the usability and user-friendliness that our members have grown to expect,” explained Cindy Walker, Executive Vice President and Chief Operating Officer. “We compared authentication systems from numerous vendors including Corillian and RSA-Passmark. Green Armor is clearly unique in its ability to deliver strong security with essentially no usability trade off; their psychology-based solution allows us to simultaneously enhance both security and user-friendliness.” Green Armor Solutions' Identity Cues™ series of enterprise software products leverages a combination of psychology and technology, thereby delivering a solution that is both more effective and easier to implement than alternative offerings. It stands out in its simplicity for users (they do not need to enroll, install any software, carry any devices, memorize any information, or perform extra steps during login), and its security (for example, offering multiple defenses against man-in-the-middle attacks as well as against next generation psychology-based attacks, both of which are beginning to surface as serious vulnerabilities in many authentication systems). "We are delighted to have been selected as the authentication platform for Tampa Bay Federal,” said Shira Rubinoff, President of Green Armor Solutions. "It is exciting to once again have been compared against other authentication systems and emerge as the only technology that can deliver greatly improved security without adversely impacting users.” More information about Green Armor Solutions and its Identity Cues series of products can be found on the Green Armor Solutions web site at: http://www.greenarmor.com/. About Green Armor Solutions Inc. Green Armor Solutions offers innovative solutions to information-security challenges facing today's businesses. Its Identity Cues series of products (all patent-pending) leverage a unique blend of psychology and technology to help deliver maximum security with maximum user convenience. They provide strong two-factor authentication (exceeding FFIEC and NCUA guidelines) as well as effective site authentication (mutual authentication) that protects against phishing, pharming, and online fraud, while allowing users to continue to enjoy the simple, comfortable user experience with which they are already familiar. Identity Cues products can help companies address security and privacy requirements as part of compliance initiatives for FFIEC/NCUA Authentication, HIPAA, and GLBA. www.GreenArmor.com About Tampa Bay Federal Credit Union Tampa Bay Federal Credit Union is a federally chartered credit union with nearly half-a-billion dollars in assets. Founded in 1935, Tampa Bay Federal offers financial services to individuals and businesses in the greater Tampa Bay area. Personal and business checking/savings, home loans, auto and personal loans, credit cards, business loans, financial planning, investments and insurance are all available at Tampa Bay Federal. www.TampaBayFederal.com --- Note: Green Armor Solutions Inc. does not update the contents of its press releases after the releases have been issued. As a result, information in a particular press release may not be accurate if read at a point in time subsequent to the initial release. Furthermore, to the extent that any press release contains information that is not historical fact, that information should be considered opinion or forward-looking.

Green Armor: M.I.T.-Harvard Research Paper Underscores the Importance of Leveraging Psychology in the Design of Online Authentication Systems

Report Describes Ineffectiveness of Popular Authentication System Resulting From Failure to Adequately Address Human-Factors Issues

February 7, 2007 - Hackensack, NJ - Green Armor Solutions today noted that a research paper published on Sunday by researchers at M.I.T. and Harvard underscores the importance of Green Armor’s long-held claim that leveraging psychology in the design of a website-authentication system is critical in order to ensure the long-term effectiveness of the system.

The study, The Emperor’s New Security Indicators, describes the failure of a popular site-authentication system to adequately protect online banking users from phishing and Internet fraud during studies run by researchers last year.

Many of the concerns and tests described in the M.I.T.-Harvard paper were previously discussed and conducted in research performed by Green Armor Solutions’ founder Shira Rubinoff in 2004 and 2005, and much of the integral design of Green Armor’s Identity Cues series of products was created specifically to address issues such as those discussed in the M.I.T.-Harvard research.

“As described in the M.I.T.-Harvard study, and as published in Green Armor’s research findings, site-authentication vulnerabilities often stem from human weaknesses, not technological deficiencies,” noted Shira Rubinoff, Founder and President of Green Armor Solutions. “By properly leveraging psychology in the design of a product we can create authentication offerings that are more effective and more secure than the one discussed in the M.I.T.-Harvard report.”

Green Armor’s site-authentication technology, for example, offers numerous advantages over the system tested in the M.I.T.-Harvard study. Psychologically-sound visual cues are used to prove site authenticity instead of images (which are problematic for numerous reasons as described in the research reports authored by M.I.T.-Harvard and Green Armor). Green Armor’s patent-pending medium for achieving site authentication without requiring users to enroll or to undergo a multi-step login process, as well as its multiple defenses against man-in-the-middle attacks, are also important differentiators.

In addition, as opposed to the system mentioned in the study, the Green Armor system does not require the use of challenge questions, and, therefore, does not increase risks of Identity Theft by conditioning users to answer sensitive challenge questions over the Internet before they know the identity of the party asking the questions.

Furthermore, both Green Armor’s white paper (describing its research findings) and the M.I.T.-Harvard study discuss the problem of users not consciously paying attention to images used for site authentication; while such a phenomenon is a critical problem for most site-authentication systems, Green Armor’s technology utilizes several significant patent-pending design elements to help address this issue, and remains effective even if users do not make an active effort to check site validity.

More information about Green Armor Solutions and its Identity Cues series of authentication products which leverage psychology to deliver maximum security with maximum convenience can be found on the Green Armor Solutions web site at: http://www.greenarmor.com/ .

About Green Armor Solutions Inc.

Green Armor Solutions offers innovative solutions to information-security challenges facing today's businesses. Its Identity Cues series of products (all patent-pending) leverage a unique blend of psychology and technology to help deliver maximum security with maximum user convenience. They provide strong two-factor authentication (exceeding FFIEC and NCUA guidelines) as well as effective site authentication (mutual authentication) that protects against phishing, pharming, and online fraud, while allowing users to continue to enjoy the simple, comfortable user experience with which they are already familiar. Identity Cues products can help companies address security and privacy requirements as part of compliance initiatives for FFIEC/NCUA Authentication, HIPAA, and GLBA.

www.GreenArmor.com

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Note: Green Armor Solutions Inc. does not update the contents of its press releases after the releases have been issued. As a result, information in a particular press release may not be accurate if read at a point in time subsequent to the initial release. Furthermore, to the extent that any press release contains information that is not historical fact, that information should be considered opinion or forward-looking.

Identity Cues for Email Anti-Phishing Technology Release

http://www.greenarmor.com/Green_Armor_Solutions_News-2005-11-07.shtml

The Credit Union National Association: Headline
September 27, 2005
Identity Cues Helps Protect Credit Unions From Phishing

RUTHERFORD, N.J. (9/27/05)--Credit Unions' Virtual Assistant (CUVA) and Green Armor Solutions are coming together to provide credit unions with an anti-phishing system.
Identity Cues combines technology and psychology to combat phishing, pharming and other forms of online fraud (Business Wire Sept. 21).

"Education is a good start, but it isn't enough," said CEO Laura Enock, CUVA. "This new technology may be exactly what credit unions need to increase member confidence in online banking."

Identity Cues makes it obvious to users whether they are using a credit union's legitimate website or a phony website set up to enable fraud. It also integrates with online banking applications and does not interfere with the online banking process.

According to Green Armor, Identity Cues uses easily recognizable visual cues (such as colored letters) during every login for users to quickly, and even subconsciously, recognize if the site is genuine.

Cues are displayed as users type their usernames and passwords. They vary between users but are identical on each login for any particular user.

Identity Cues Page

Identity Cues

Green Armor's phishing overview featured at the Computer Crime Research Center's phishing overview page.

Article About Identity Cues

http://www.net4now.com/isp_news/news_article.asp?News_ID=3160

Pharming Information

pharming

Phishing Information

phishing

CSO Article - Green Armor Solutions

CSO Magazine article about fighting phishing and pharming:

http://www.csoonline.com/talkback/071905.html

Analyst Opinion - Identity Cues

Respected Research Analyst, Graham Titterington of Ovum Research, issued a written opinon of Identity Cues by Green Armor Solutions. It can be read online at:

http://www.ovum.com/go/content/c,57016

Thwarting Phishing, Pharming, and Online Fraud

July 11, 2005

Green Armor Solutions and Identity Cues are the topic of an article in NJ BIZ

http://www.njbiz.com/index.cfm?fa=featuredArticle&articleID=21204

A new way to fight phishing, pharming, and online fraud

Green Armor's Identity Cues are the subject of today's editorial in Network World.

To quote Network World:

"Sometimes the easiest answers are the best."

Windows IT Pro Security Update - Phishing and Pharming - June 22

covered Green Armor Solutions' new Identity Cues offering. To quote:

Another new solution, Identity Cues from Green Armor Solutions, works at the Web site level. The first time a user logs on to an Identity Cues-protected Web site, the product generates colored visual cues that will then appear each time the user logs on to the site. A spoofed Web site won't be able to generate the same cues, so a user sent to a spoofed site will immediately know that he or she isn't visiting the legitimate Web site. Identity Cues is definitely a novel concept.

http://greenarmor.com

Green Armor Solutions Introduces Identity Cues Anti-Phishing / Anti-Pharming Solution

June 15, 2005 10:45 AM US Eastern Timezone

Green Armor Solutions (TM) Introduces Identity Cues (TM); Revolutionary Technology Prevents Phishing, Pharming, and Online Fraud - Without Inconveniencing Users

RUTHERFORD, N.J.--(BUSINESS WIRE)--June 15, 2005--Green Armor Solutions today announced the availability of its innovative anti-phishing product, Identity Cues. Unlike earlier generations of anti-phishing technology, Identity Cues is simple for enterprises to implement, requires virtually no ongoing maintenance, and, most importantly, makes no significant demands on users. It also seamlessly integrates with existing back-end anti-fraud systems.

Phishing and pharming are forms of online fraud in which criminals impersonate legitimate online enterprises and trick people into divulging confidential information that is then used for executing fraudulent financial transactions, identity theft, or other illegal activity. According to Gartner, about 57 million Americans were targeted for phishing in a recent 12-month period, and phishing-related fraud has already reached $1.2 billion annually.

Green Armor's patent-pending Identity Cues utilizes a unique combination of technology and psychology to combat phishing, pharming, and other forms of online fraud. It proactively informs users whether or not a website truly belongs to the organization that it appears to represent.

Through the use of easily recognizable visual cues that appear during every login, users can quickly, and even subconsciously, recognize whether a site is genuine. Cues are displayed as users type their usernames and passwords; cues vary between users, but are identical on each login for any particular user. Cues are generated using sophisticated underlying technology (invisible to users) that ensures that criminals cannot generate the correct cues for any particular user. Users who access a phishing site will not see their cues and will quickly realize - even while they are still typing - that "something is wrong."

Identity Cues was designed in part by a psychologist, based on established research about the science of learning (including, but not limited to, works by Reigeluth, Woolfolk and Madigan). It enables even untrained users who never make any conscious effort to remember cues to know whether or not they are interacting with an intended legitimate business. Access need not be from one's own computer in order to be secure, and there is no need to verify the identity of a user before presenting a cue. Criminals cannot verify the validity of a username, nor gain any other valuable information from the Identity Cues system.

The release of Green Armor's Identity Cues marks a major step forward in anti-phishing technology. Before its release, anti-phishing technologies typically worked reactively, stopped only some email-based phishing, or inconvenienced users by requiring them to memorize multiple secrets and undergo several extra steps when logging into systems. Many anti-phishing systems have also proven ineffective against pharming and phishing situations in which criminals pilfer sensitive information but do not execute fraudulent financial transactions.

With Green Armor's Identity Cues, organizations can protect themselves and their customers from phishing, pharming, and online fraud in a safe, efficient, and easy to use manner.

Additional information is available from Green Armor Solutions at http://www.greenarmor.com. Inquiries may also be directed to Joseph Steinberg at (201) 801-0383 or joseph-AT-greenarmor.com.

http://www.greenarmor.com/NEWS-2005-06-09.shtml