Article,
Enhancing Authentication Methods in Online Banking Using Face Recognition with Hybrid Pins
CENTRAL ASIAN JOURNAL OF INNOVATIONS ON TOURISM MANAGEMENT AND FINANCE, 4 (7): 96-113 (July 2023)
Abstract
Researchers have been drawn to this problem because of the increasing prevalence of authentication-related malware and the critical nature of authentication security. Since the current password-based authentication paradigms are inefficient, not robust enough, and susceptible to automated attacks, many such attacks succeed in gaining access to social network accounts. Alternatively, two-factor authentication (using a combination of a password and another piece of information, like a one-time PIN issued by the user's device or an SMS) can be used to bolster the security of single-factor authentication. This study presents a novel approach to preventing shoulder-surfing attacks on authentication systems by employing a three-layer-based authentication system. The first tier uses biometric authentication to solve security and privacy concerns in novel ways. The goal of incorporating face biometrics into a real-time authentication system is to ensure that only authorised users may access ATMs. OTP verification using reverse processing is provided at the second layer of security. Then, have a PIN-based authentication system in place that can be used with ATM software. A hybrid keypad is a keypad that employs the concept of merging two keypads with distinct digit orderings in such a way that the user, when up close to the device, sees one keypad to enter the PIN, but an attacker, when looking at the device from a further distance, sees only the other keypad. Upon entering their credentials, users activate the application's three-factor authentication process
