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DOI: 10.14569/IJACSA.2018.090253
PDF

Securely Eradicating Cellular Dependency for E-Banking Applications

Author 1: Bisma Rasool Pampori
Author 2: Tehseen Mehraj
Author 3: Burhan Ul Islam Khan
Author 4: Asifa Mehraj Baba
Author 5: Zahoor Ahmad Najar

International Journal of Advanced Computer Science and Applications(IJACSA), Volume 9 Issue 2, 2018.

  • Abstract and Keywords
  • How to Cite this Article
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Abstract: 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, the 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 paper, 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.

Keywords: E-banking; one time password (OTP); global system for mobile communication (GSM); authentication

Bisma Rasool Pampori, Tehseen Mehraj, Burhan Ul Islam Khan, Asifa Mehraj Baba and Zahoor Ahmad Najar, “Securely Eradicating Cellular Dependency for E-Banking Applications” International Journal of Advanced Computer Science and Applications(IJACSA), 9(2), 2018. http://dx.doi.org/10.14569/IJACSA.2018.090253

@article{Pampori2018,
title = {Securely Eradicating Cellular Dependency for E-Banking Applications},
journal = {International Journal of Advanced Computer Science and Applications},
doi = {10.14569/IJACSA.2018.090253},
url = {http://dx.doi.org/10.14569/IJACSA.2018.090253},
year = {2018},
publisher = {The Science and Information Organization},
volume = {9},
number = {2},
author = {Bisma Rasool Pampori and Tehseen Mehraj and Burhan Ul Islam Khan and Asifa Mehraj Baba and Zahoor Ahmad Najar}
}



Copyright Statement: This is an open access article licensed under a Creative Commons Attribution 4.0 International License, which permits unrestricted use, distribution, and reproduction in any medium, even commercially as long as the original work is properly cited.

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