PORTLAND, Ore. – Since its launch in October of 2005, 11 major financial institutions have adopted Corillian's new Intelligent Authentication, a product that facilitates multi-factor authentication in accordance with recent FFIEC guidelines. Intelligent Authentication uses computer intelligence to examine and track multiple patterns of online banking behavior and various non-personal attributes of the online banking user. The system then uses this information to determine when it is necessary to block or challenge suspicious visitors. Because this approach only employs a user name and password under conditions the system deems "normal," Intelligent Authentication is generally transparent to the end user. The system also doesn't require any cookies to be placed on the user's computer. The $5.6 billion BECU in Tukwila, Wash., was among the 11 early adopters. From a usability perspective, the username and password approach works quite well for online users, however, the security problems associated with this authentication technique are very real," said Jim Maloney, chief security executive at Corillian. "Intelligent Authentication strikes that critical balance – balancing the usability desired by end users while substantially improving the authentication security mechanism to meet the modern expectations of regulators, financial institutions and consumers," he said.