QS vs Business24 Authenticator

QS-DIW is a Digital Identity Wallet (DIW) app. The app is used by people to authenticate and sign payments and/or contracts as well as present verifiable information (attributes) about themselves. The person must perform Strong Customer Authentication (SCA) to complete all eID transactions. A DIW app can be used by a person to: - Log into a web site. - Gain access to e.g. a secure area, hotel room, sports or entertainment venue. - Open a bank account remotely, involving Know Your Customer (KYC). QS-DIW also meets the PSD2 requirement to perform SCA on payments. When eID credentials are issued to the person by a bank, the app can also be used to:- - Make payments at a POI (e.g. browser) / POS (in a shop). - Sign a contract and/or a direct debit mandate simultaneously. - Review and approve personal and corporate payment requests. - Perform multi-user approvals on payments.  Users can review summary information and optionally drill into the detail of an eID or payment order. They can approve or cancel orders and also monitor ongoing status. Status is categorised with red/amber/green colour coding. All rejects are clearly flagged, with reason information. The user SCA credentials are represented by an asymmetric (public/private) key pair, backed by X.509 (identity and attribute) certificates. The private key element resides within and never leaves the Secure Element of the smartphone. The private key is unlocked via the use of either the device’s biometric sensor and/or a PIN. The user’s biometric data also never leaves the smartphone. The SCA proof is represented by an Advanced Electronic Signature (AdES). The SCA proof is dynamically linked to the eID/payment/consent data, plus audit trail and device attestation information. The following payment formats are fully supported:- - PAIN.001 v3 - Credit Transfer - PAIN.001 v9 - Credit Transfer - PAIN.008 v2 - Direct Debit - PAIN.002 v3 - Payment Status - PAIN.002 v10 - Payment Status - ACMT.007 v1 - Account Opening - PAIN.009 v1 - E-Mandate - PAIN.009 v6 - E-Mandate - PAIN.010 v1 - E-Mandate Amendment - PAIN.010 v6 - E-Mandate Amendment - Berlin Group NextGenPSD2 JSON formats PSD2 = DIRECTIVE (EU) 2015/2366 on payment services in the internal market GDPR = REGULATION (EU) 2016/679 on the protection of natural persons

The Business24 Authenticator app provides a secure method of authentication for Business24 banking in order to further protect you against fraud and keep you safe online. The Business24 Authenticator app allows you to complete authentication by sending a push notification to your registered device (Smartphone or Tablet) for certain online processes. If you’re a permanent tsb customer who’s registered for Business24 Online Banking you can download the app and register your device which will link your permanent tsb customer profile to your device which will then be used to provide authentication where necessary. It’s important to note that our Business24 Authenticator app is for authentication purposes only, as an additional security enhancement. It cannot be used for other day to day banking purposes such as viewing your balance or to make payments. Accessing the app: • To log in to the Business24 Authenticator app you’ll need to be a permanent tsb customer who is registered for Business24 Online Banking. To register for Business24 Online Banking call us now on 1890 500 177 or +353 1 215 1363. • Once logged in you will be prompted to register your device which will link your permanent tsb customer profile to your device. • To complete registration you’ll need to enter a security code which you’ll receive via SMS to your registered mobile phone number. The following country codes are excluded from this service +53 Cuba, +98 Iran, +964 Iraq, +95 Myanmar, +963 Syria, +249 Sudan, +850 North Korea. If you are not receiving your code, or to register or change your mobile number, call us now on 0818 50 24 24 or +353 1 212 4101. Terms and conditions apply. Find out more at permanenttsb.ie/mobile Permanent TSB plc trading as PTSB and PTSB Asset Finance is regulated by the Central Bank of Ireland. Permanent TSB plc is a public limited company incorporated in Ireland. Registered number: 222332. Registered Office: 56-59 St. Stephen’s Green, Dublin 2, D02 H489, Ireland. Permanent TSB plc is tied to Irish Life Assurance plc for life and pensions products. Irish Life Assurance plc is regulated by the Central Bank of Ireland.