Indian Journal of Science and Technology

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Recently, Certificate has been loosed growth 100 times in a four years as Phishing or hacking. The service that uses a certificate in financial services occur practical and secure issues. Therefore, the Korea government abolished the mandatory system used in the certificate service. However, they did not provide a replacing method for a certificate. And it is not to fill the gaps of the certificate with OTP (One Time Password) or secure card. Therefore, this paper is proposed the alternative method with total authentication service, which is lead the more secure electronic commercial. This total authentication service can be used to verify personal identity and transaction services.

Keywords

Authentication Method, Certificate, Electronic Commerce, Internet Banking, Total Authentication.
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