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Secure End-To-End Authentication for Mobile Banking

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Software Engineering in Intelligent Systems

Part of the book series: Advances in Intelligent Systems and Computing ((AISC,volume 349))


The advancement in technology makes Mobile Banking transaction more sophisticated. The OTP SMS is generated by the bank server and is handed over to the client’s mobile subscriber. To avoid any possible attacks like phishing and other attacks, the OTP must be secured. In order to provide reliable and secure mobile transactions without any compromise to convenience, a reliable m-banking authentication scheme that combines the secret PIN with encryption of the one-time password (OTP) has been developed in this paper. The secured OTP while using eZeeMPay salt algorithm seek to give the more secured m-banking transaction. After the encrypted OTP SMS reaches the client’s mobile, the OTP is used again used for decrypting. The plain OTP text should be sent back to the bank will verified at the server to complete the transaction initiated. The combination of OTP with secured OTP provides authentication and security.

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© 2015 Springer International Publishing Switzerland

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Singh, B., Jasmine, K.S. (2015). Secure End-To-End Authentication for Mobile Banking. In: Silhavy, R., Senkerik, R., Oplatkova, Z., Prokopova, Z., Silhavy, P. (eds) Software Engineering in Intelligent Systems. Advances in Intelligent Systems and Computing, vol 349. Springer, Cham.

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  • Publisher Name: Springer, Cham

  • Print ISBN: 978-3-319-18472-2

  • Online ISBN: 978-3-319-18473-9

  • eBook Packages: EngineeringEngineering (R0)

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