Non-connected and totally nomadic, Xi-Sign 4000 needs no software installation. Used with a PC, it is independent of the type of PC, the computer operating system or the browser used.

To access a remote server, you simply insert your bank card in your Xi-Sign 4000 and type in your PIN. You will obtain a one time password, which can then be transmitted to the bank for verification either by typing in on a web page, or using a telephone key pad. The authentication server at the bank checks whether it is the right password according to your identity and gives you access to the banking services. This is a one-time password that does not contain any confidential values, and can only be verified by the bank that issued the card.

The verification of the password or signature, by the issuer, guarantees both the presence of the card and
the consent of the cardholder. If the cardholder enters an incorrect PIN, or if he uses an invalid card,
the transaction is immediately stopped in order to protect all parties against any risk of fraud.

In addition to authentication, Xi-Sign 4000 enables the cardholder to use electronic signature to confirm a value transaction, such as a transfer of funds or a stock market order. In the case of a payment, the solution is perfectly integrated into the 3D Secure architecture and optionally allows the amount and the currency to be entered locally, which means that the user can see what he is signing.
What you sign is what you see!

Xi-Sign 4000 uses the EMV card for all security functions and cryptographic calculations. No key or secret is stored in the Xi-Sign, which is therefore not personalized with user data and so is very easy to manage: no secure transport, replacement when lost.

Xi-Sign 4000 meets the Chip Authentication Program (CAP) specifications, and has successfully completed MasterCard's CAP testing. It also meets the Visa Dynamic Passcode Authentication specification. Xi-Sign 4000 generates passwords based on EMV standard application cryptograms.

The PIN is checked by the card without any connection, and is not exposed to any risk at any time.

The reader can have an optional feature to allow only semi-insertion of the card, which avoids users from forgetting the card in the reader.

Xi-Sign 4000 works with all EMV cards, or private cards. Xi Sign 4000 also works with credit/debit cards that have already been issued, without any need for updating the card.

Optionally, Xi-Sign 4000 can be used to display the most recent payments recorded by the card, or the balance available on a pre-authorized debit card.

The batteries are replaceable which avoids any recycling costs and is in accordance with ecological needs.

The batteries are hidden in a small drawer that can be opened with a pointed object (such as a pen) if the user wishes to replace them.

Personalised to the bank's colors and logo, Xi-Sign becomes a powerful image vector, symbolizing the relationship of trust that it generates.