ENHANCED SECURITY IN ELECTRONIC BANKING SYSTEM (USING A 3-FACTOR AUTHENTICATION TECHNIQUE) - U.A. Kamalu, J.N. Dike, and A. Braimah (original) (raw)

Securing electronic channels, users’ identification and authentication techniques are designed in such a way that only the authorized users are allowed access to the services while keeping others out. In this work, fingerprint authentication was incorporated as an enhancement to the existing smart card and PIN authentication systems. A three factor authentication model and algorithm based on Gabor Filters (GF) were developed. MATLAB 7.5 was used for the modeling of the system and false rejection rate (FRR) and false acceptance rate (FAR) were calculated. From the result, it was possible to detect genuine users and impostors. Since no single security method is entirely secure, the introduction of fingerprint authentication system will in no doubt reduce the risk associated with identity fraud while doing transactions in Automated Teller Machines (ATMs). KEYWORDS: Electronic Banking, False ance Rate, False Rejection Rate, Gabor Filters, Smart Card, FingerCode

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