Capitol One has created new authentication systems, both only requiring a swipe on a smartphone instead of answering security questions or typing in a password. When signing in from a different computer or browser, banks often ask something like: "What's the name of your childhood pet?" However, the 'SwipeID' app uses unique images captured of the smartphone to authenticate the user.
This means, even when signing in on a computer, the site will automatically send a notification to the user's smartphone that simply requires them to swipe. That swipe opens a page that allows the app to take the required authenticating photo and compare it to one that was originally registered.
Adding to its new authentication systems, the forward-thinking bank also has integrated 'SureSwipe' -- allowing users to sign in to the mobile app with a unique finger-sliding pattern instead of an alphanumeric password.