Title: A novel approach for increased transaction security with biometrics and one time password - a complete implementation

Authors: Deveshwar Hariharan; G. Venkat Raman; Shriram K. Vasudevan

Addresses: Department of Electrical and Electronics Engineering, Amrita School of Engineering, Coimbatore, Amrita Vishwa Vidyapeetham, India ' Department of Computer Science and Engineering, Amrita School of Engineering, Coimbatore, Amrita Vishwa Vidyapeetham, India ' K. Ramakrishnan College of Technology, Kariyamanikam Road, Samayapuram, Trichy – 621112, India

Abstract: The advent of distributed and ubiquitous computing systems have resulted in the increase of digital financial transactions, consequentially making security a primary concern. Here we address the problem by proposing the usage of biometric sensors embedded in mobile systems to authenticate and generate a one time pin (OTP), as opposed to the existing systems that incorporate static and constant pins. This reduces the risk of spoofing and will make the user impervious to attacks on the automatic teller machine (ATM) centers. We have proposed the usage of a central server that keeps track of requests and processes for the same. This ensures a wider scope for randomisation of the pins, hence reducing predictability to almost zero.

Keywords: biometrics; fingerprint; one time pin; OTP; mobile devices; transactions; debit/credit cards.

DOI: 10.1504/IJAIP.2024.139950

International Journal of Advanced Intelligence Paradigms, 2024 Vol.28 No.1/2, pp.74 - 85

Received: 16 Jun 2018
Accepted: 12 Jul 2018
Published online: 15 Jul 2024 *

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