Informatics Publishing Limited

A. Meiappane ¹, K. Gideon ², V. Prasanna Venkatesan ²

Affiliations
1 Pondicherry University, Pondicherry, IN
2 Department of MBA, Banking Technology, Pondicherry University, Pondicherry, IN

Abstract

The following paper deals with the Customer Pattern of internet banking of different banks proposition of an Architecture model for the various Measures suggested for the internet banking users of the banking services provided for the customers in India, for effective utilization of the internet banking services & better capitalization of the untapped market potential of the internet banking in India. To use the services provided under Internet banking has following characteristics of Speedy Transactions, Faster processing, No need to stand in Queue, Lower transaction cost, Better utilization of resources, One click Access to Wide-Products. But due to the problem of service disruption of internet banking due to ineffectiveness of the existing system as to the service dis-contentment among the services and service monitoring of the internet banking. We propose Architecture Pattern styles and suggestive framework for effective utilization of Internet banking from the Customer Pattern.

Keywords

Architecture Pattern, Customer Pattern, Internet Banking, Banking Services, Service Monitoring.

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A. Meiappane ¹, V. Prasanna Venkataesan ², V. Premanand ¹

Affiliations
1 Manakula Vinayagar Institute of Technology, Pondicherry, IN
2 Department of Banking Technology, Pondicherry University, Pondicherry, IN

Abstract

There exists many security primitives which use an alphanumeric password which uses hard cryptographic methods. Also the users struggle to remember the password for various internet services and if the user has a same password for various services then it is insecure. To avoid this, graphical passwords are designed and made more secure, memorable and also easier to use since the user is going to just click certain passpoints rather than typing an alphanumeric password. However, this scheme has achieved a limited success and due to its simple architecture it is not used widely. Passpoints also suffer a major drawback of shoulder surfing attacks when the passpoints are exposed in front of others. So to improve the security of this system we introduce a new system called Passpoints for Random Similar Images (PRSIm). This system use a set of similar images and have a common passpoints from which the password is been derived. While logging in a user a random image is generated and displayed from which the user have to identify a common passpoints which is already registered. So the user clicks the passpoints to derive the password which confuses the attackers while we have multiple login in front of them. Thus it is more secure than any other passpoints scheme and also eliminates the shoulder surfing attacks which are analyzed and the results are been given.

Keywords

Graphical Passwords, Passpoints, Authentication, Tolerance Value and Security.

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