Enhanced Net Banking Security Using Illusion Pin, Facial Biometrics, And Collaborative Transaction

Abstract

This Paper Presents An Enhanced Net Banking Security Framework Designed To Overcome The Limitations Of Traditional Authentication Mechanisms Such As Passwords And PINs, Which Are Increasingly Vulnerable To Cyber Threats Including Phishing, Shoulder Surfing, And Brute-force Attacks. This System Introduces A Multi-layered Authentication Approach Combining Illusion PIN Techniques With Real-time Facial Biometric Verification. Blockchain Technology Ensures Secure, Transparent, And Tamper-proof Storage Of Transaction Records. A Joint Account Multi-Party Authorization (MPA) Module Enables Collaborative Transaction Approvals, Requiring Consent From Multiple Authorized Users Before Executing Sensitive Operations. By Integrating These Technologies, The Proposed System Delivers A Comprehensive, Secure, And User-friendly Net Banking Environment That Minimizes Fraud And Ensures Robust Protection Of Financial Data.

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