Secured Authentication for Online Banking using Mobile Phones

Main Article Content

Prof. S Sumathy
R Hemalatha, V Jayashree


Online banking is essentially safe, but equally fraud is also on the rise and consumers need to be more aware. The widespread use of
online banking means more convenience for consumers and offers better ways to monitor account activity. The client accesses the ATM using a
private key which is the security token that is sent to client’s mobile through an SMS by the bank’s authentication server. The key is generated
by implementing SHA256 and Base64 algorithms using the registered IMSI (International Mobile Subscriber Identity), IMEI (International
Mobile Equipment Identity) numbers of the client’s mobile. SMS based mechanism makes sure that the key is delivered to the registered client.
The client is given a PIN and a Master key when registered to the Online banking service. If in case a client’s mobile is lost, authentication is
done using Unique Master key, else the private key token is used thereby making transactions secured and simple without the need of carrying
any USB Tokens. The additional functionality provides the client more security with their transactions. Phishing attacks by the hackers are
avoided to an extent in the proposed methodology. The proposed method has been implemented and tested in Java (J2ME). Initial results show
the success of the proposed methodology.

Keywords: Authentication, OTP, Online Transactions, Security, IMEI, IMSI, Mobile Phone.


Download data is not yet available.

Article Details