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IIJIT:Volume 5, Issue 11, November 2017

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Title:
Securing E-banking transactions by OTP (one time password) method (Look at SMS Technology)
Author Name:
Syed Masaid Zaman , Dr. Manoj Kumar , Dr. Qamar Parvez Rana
Abstract:
Abstract: There are a continuously rising number of customers who use electronic banking because of its expediency. But the security and privacy of Information may be one of the prime concerns to the Electronic banking users. The issue with Electronic banking applications is that they send information straightforwardly to customer in plain text form compromising with security. The solutions to the security issues require the use of software-based solutions that occupy the use of encryption algorithms. For this we suggest a challenge/response -based short-time password authentication methods using Symmetric cryptography in mixture with Software Security model. In this conceals bank hides clients transaction data is secure SMS using IDEA symmetric cryptographic algorithm and propel it to customer application supported handset. Customer application decodes information in secure manner the encryption and decryption are characterized by a secret key that the legal parties have to posses. So, in face of the present security issues and the developing number of attacks and consequent frauds, new internet banking systems ought to be planned as to given better authentication and identification. Keywords: Electronic Banking, security standards, short-time passwords.
Cite this article:
Syed Masaid Zaman , Dr. Manoj Kumar , Dr. Qamar Parvez Rana , " Securing E-banking transactions by OTP (one time password) method (Look at SMS Technology) " , IPASJ INTERNATIONAL JOURNAL OF INFORMATION TECHNOLOGY (IIJIT) , Volume 5, Issue 11, November 2017 , pp. 001-004 , ISSN 2321-5976.
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