Today, People can do almost everything online (banking, shopping, storing and sharing personal information). To access these services in the most secured manner is very critical. Many authentication methods are available such as username and password, barcode, finger print and face detection. But these methods have some advantages as well as disadvantages. Username and password are not providing security/ To overcome all the drawbacks the QR code along with Face recognition and OTP are introduced. QR code has many applications. QR codes are used in banking transactions for security; it provides more security than barcode. The QR code stores complex password. QR code can be scanned using smart phones. When a user opts for online banking transaction he opens the bank website. On the same page, QR code is displayed after registration; user can scan the QR code image with a scanner. A string is generated after scanning. For authenticating user, IEMI no. of phone is used. The multilevel security is used in this application; therefore this system is very secured method for online transaction than existing system.
In this era the internet banking is increasing gradually because of simple usage and saves more time in our daily lives. This internet banking allows the user to make electornic payments system this enables through the respective banking websites or softwares through the mobile. Another side the transactions can be done at anytime and anywhere this improves the flexibility of the transactions and eliminates the long queues in the bank. SMS banking is also becoming popular in this technical world; which banks sends sms to respective users. This will also provide security which it gives notifications and alerts to user. Though the user may get the status of his/her account status periodically. Some banks services may also provide or enables the customers to perform some transactions using sms. Online banking services arises the security problem which is an important treat. The traditional based authentication only involves the username and password which ensures the less security to the users. There is an enormous links which could create fake authentication to hack the communication which is also called web phishing, pharming etc. Therefore, requirement of the strong authentication scheme is needed.
To enhance the security, we introduced two levels of authentication, which is ease to customer usage and provides strong and secure authentication using OTP, quick response code (QR Code) based watermarking with hadamard transformation. In this paper, we introduce a method where QR code based hadamard transformation authentication scheme is used. To enhance the security and privacy OTP is preferred. QR Code are also called 2D barcodes which holds the data digitally and can be extracted easily. Hadamard matrix is used to generate the secret sequence is called watermarked sequence. These techniques abused in watermarking by using hadamard matrix and OTP to enhance the security. Hence these methods are proposed.
A. One Time Password One Time Password popularly called OTP, a unique password which is used to authenticate the user by generating a 4-bit random number and send to user through SMS of registered mobile number. For Online banking the generation of OTP is categorized as follows: 1. Time based OTP: This type will frequently changes the OTP for every specified interval of given time by the developer. The event based OTP for the online banking we used the span of five minutes. B. Hadamard Transformation The Hadamard matrix is one of the type of matrix which contains only -1’s and 1’s. This is an orthogonal transform. This transform is used in image processing. The hadamrd transform is highly robustness and takes less processing time. In this paper we used 8x8 matrix for the transformation. C. QR Code This is also called 2D barcode. Most of the internet banking and e-commerce websites uses QR Code for transactions purpose. Every user has a unique 2D barcode which improves the secure transactions. This becoming popular due its reputability and has high storage capacity.
In the proposed method, mainly used two levels of authentication we also called multilevel authentication. The OTP sending to the customer’s or user’s phone is the first level of authentication. A secret sequence will be used as the second level of authentication where this 128-bit length watermark sequence is obtained from another sequence of 8-bit length from hadamard transformation. Two main processes are implement here. Embedding and Extraction. Embedding is done on the bank side server. Here two types of QR Code will be designed. At the time of registration, a QR code is generated according to the details given to the user like bank id, phone number etc. This QR code will be taken as the cover image for watermarking hence we call that as the cover QR code. During each transaction, another QR code a unique watermarked QR code will be generated from a variable OTP number, cover QR code and with the secret key. During embedding a two 8x8 matrix is created one is positive and another is negative and we concat both in such a way that the output must be hadamard matrix and 8x8 matrix is generated randomly. Using those two that is hadamard matrix and random generated matrix we do scalar multiplication and produce another matrix and this matrix is multiplied with 8-bit sequence which is done by transposing of 8-bit sequence, it produces 128-bit sequence. This 8-bit sequence is used as the watermarked sequence and it is embedded in already generated QR Code using user details during registration using zxing library. This whole process of embedding is shown in figure 1 in a simpler manner. During Extraction the 8-bit key will extract the 128-bit sequence using zxing library and verifies. If it verifies then this enables high security. This whole process of extraction is shown in figure 2 in a simpler manner.
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