Abstract—Online banking is on the up
each day witha persistent rise in the number of people using this novelservice
to carry out their financial transactions. This amplifiedinterest in the use of
online banking has consequently raisedthe concerns over the security. This has
raised the need toprotect online banking in to guard these transactions as
wellas establishing secure mechanisms for information exchangethat prevent
fraud and safeguard the personal data. With theinternet now popular among all
age groups, online banking hasbecome a necessity.Security mechanisms are,
therefore a mustfor the proper functioning of online banking. In addition
tothis, all the users are required to manage multiple passwordsand devices.
Security which are provided by the extensivelyused systems namely
knowledge-based security and token-basedsecurity can be easily breached when
one reveals his passwordand his cards are stolen. In order to overcome this,
biometricsare used. Banks have started using single biometric systems
forfinancial transactions. In order to provide further security foronline
banking transactions, the proposed system introducesthe use of multiple(face
and fingerprint) biometrics for onlinefinancial transaction where both are
required for authenticationof log-in- process and one biometric is used for
transactionprocess, thus would help overcome traditional
vulnerabilities.Further, this proposed research further explores the matchingat
the feature level, which of course is a under studied problem.Here in this
approach, the feature sets extracted from multipledata sources would be fused
to create a new feature setto represent the individual. Since the feature set
containsbetter-off information about the fresh biometric data comparedto the
match score level or the final decision, combinationat this level is possible
to provide better authenticationresults. Initial results indicate that the
planned technique canlead to large improvement in multimodal matching performance.Index
Terms—Unimodal biometrics, multimodal biometrics,OTP.
I. INTRODUCTION
A number of aspects, including
lesser cost of networkdevices, larger Internet and mobile Internet penetration,
avail-ability of devices and increased use of the smartphones havegone into
commercialising online banking around the world.The circumstance remains that
in spite of the advancementsin security technology, vulnerablity still exist.
Studies showsthat many phishing and social engineering attacks take placearound
the world every month. Though there are many threatsand vulnerabilities, a very
strong authentication mechanismfor customers and transactions will address most
fraud re-lated issues. Apart from incorporating strong authenticationmechanism,
certain banks limit the number of online bankingoperations that a customer can
perform each day.Biometric technology ensures the robust and safe techniqueto
make Secure authentications of persons. A large portion ofsystem breaches are
caused by authentication failure, eitherduring the login process or in the
transaction process whichexist due to the limitations accompanying the existing
authen-tication methods[7]. Current authentication methods are notuser oriented
and are thus an endanger to users security.In the current world, authentication
of online banking users isdone using the following methods:[1]A. KNOWLEDGE
BASEDThis method, which is the most popular and common,asks the users to
authenticate by entering their User Id andpassword. The bank safeguards the
security by ensuring thatthe users have a strong password and that are changed
at afrequent intervals which is assigned to be for few days.B. TOKEN BASEDToken
based method is currently used in almost all oninebank transactions. This
method authenticates the users basedon the knowledge based identity and
something else that theyhave.This is usually done using OTP(One Time Password),
ortoken devices.https://codeshoppy.com/shop/product/
E. FINGERPRINT MATCHING
TECHNIQUESFor accurate personal identification,considering all the cur-rently
used biometric techniques, fingerprint authenticationsystem is the widely used
and appropriate.The existing popularfingerprint matching techniques can be broadly
classified intothree categories depending on the types of features used:[4]1)
Minutiae-based:2) Correlation-based:3) Euclidean distance-based:III. PROPOSEDSYSTEMDESIGNIn the proposed system, the online banking systemensures
robust and secure authentication mechanism by usingthe multimodal
biometrics.Multimodal system includingFingerprint and face are used for the
login process. As theftcan occur at any point of transaction process,
fingerprintauthentication is again done during transaction process.Efficient
encryption and decryption methods are used forproviding the security of data
transmitted and storing the datain the database. Thus the proposed system
ensures improvedsecurity in online banking by using the multimodal
biometricsystem.Figure 1.High level designFigure 1 describes the overall scenario in the
proposedsystem.The planned system consists of a client system which isthe user
doing the online transaction. The bank server enclosesthe database with which
the details has to be compared. Theuser can login with the user id , and
recognising self withfingerprint and face . These details are compared with
thedatabase in the server. Once the login is successful, the usercan make the
necessary transaction by authenticating with thefingerprint once again. The
details are again compared withthe server.The proposed system uses a multimodal
biometric system.Itconsists of two main modules namely,A. Enrolment moduleHere,
the user has to register at the bank with the necessarydetails . This includes
the biometric traits as well as information needed for the authentication.B.
Authentication module Here, the user has to authenticate him/herself using
themulti biometric traits used for the login process and unimodalbiometric ,
used for transaction process.The Authenticationmodule consist of two main
processes.1) Login Process:Here, the user has to login using theuser id
followed by the recognition of face and fingerprintfor authentication .Once the
user login to the system the usercan only view the account details.2) Transaction
Process:Here, the user has to againauthenticate him/her self using the
fingerprint authentication.Only when the user authenticate with the fingerprint
details,the transaction can be done.The authentication mechanism includes the
processes atboth the client and server side. The client side process
includecapturing the finger and face image ,followed by featureextraction and
fusion of the feature extracted,encrypting theEuclidean distance calculated and
sending it to the server.Thisis depicted in Figure 2.Figure 2.Client sideFigure
3 illustrates the server side process. The serverside process include,
decrypting the encrypted data, andcomparing the stored data in the database.
IV. CONCLUSION
Today, the authentication mechanism in online
bankinginclude two factor authentication which is the token basedauthentication
mechanism.This needs an external device todynamically authenticate the user.
However, the chances to thedevice being misplaced or loss can cause a
compromise to thebank account transactiona. There are many vulnerabilities
stillconcerning this area. So a robust and secure authenticationmechanism to be
used in online banking is essential. Thiscan be achieved by using multimodal
biometrics. There areFigure
3.Server sidevarious spoofing
attacks that can occur while using unimodalbiometrics. Thus multimodal
biometrics ensures an efficientmethod for authentication in online
transaction.Certain threatsincluding hacking, phishing etc can also be
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