Here's how it works:
1) The user downloads the app on their smartphone and/or PC and links it to their account
2) In the background, 2CHK is "always on" and is connected with Authentify's authentication service
3) The FI notifies the consumer of transactions and gives them the ability to approve or reject transactions (see image on right).
To learn more about Authentify's 2CHK solution, watch its FinovateFall 2011 demo.