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Offline OTP based solution for secure internet banking access

Khan, Burhan ul Islam and Olanrewaju, Rashidah Funke and Anwar, Farhat and Yaacob, Mashkuri (2019) Offline OTP based solution for secure internet banking access. In: 2018 IEEE Conference on e-Learning, e-Management and e-Services (IC3e), 21-22 Nov. 2018, Langkawi, Kedah.

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Numerous applications are available on the Internet for the exchange of personal information and money. All these applications need to authenticate the users to confirm their legitimacy. Currently, the most commonly employed credentials include static passwords. But people tend to behave carelessly in choosing their passwords to avoid the burden of memorizing complex passwords. Such frail password habits are a severe threat to the various services available online especially electronic banking or e-banking. For eradicating the necessity of creating and managing passwords, a variety of solutions are prevalent, the traditional ones being the usage of One- Time-Password (OTP) that refers to a single session/transaction password. However, a majority of the OTP-based security solutions fail to satisfy the usability or scalability requirements and are quite vulnerable owing to their reliance on multiple communication channels. In this study, the most reliable and adoptable solution which provides better security in online banking transactions is proposed. This is an initiative to eradicate the dependency on Global System for Mobile communication (GSM) that is the most popular means of sending the One- Time-Passwords to the users availing e-banking facilities.

Item Type: Conference or Workshop Item (Plenary Papers)
Additional Information: 6796/70886
Uncontrolled Keywords: OTP, e-banking, security, authentication, SMS
Subjects: T Technology > T Technology (General) > T10.5 Communication of technical information
Kulliyyahs/Centres/Divisions/Institutes (Can select more than one option. Press CONTROL button): Kulliyyah of Engineering > Department of Electrical and Computer Engineering
Kulliyyah of Engineering
Depositing User: Dr. Rashidah Funke Olanrewaju
Date Deposited: 07 Mar 2019 17:00
Last Modified: 30 Dec 2019 12:17
URI: http://irep.iium.edu.my/id/eprint/70886

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