Next-generation Net Banking Security Using Illusion-oriented Pin Concealment And Real-time Facial Authentication

Abstract

The Rapid Expansion Of Digital Banking Has Improved The Accessibility And Efficiency Of Financial Transactions But Has Also Introduced Significant Security Challenges. Traditional Authentication Methods Such As Passwords And PINs Are Vulnerable To Attacks Like Phishing, Brute-force, And Shoulder Surfing. This Research Proposes A Multi-layered Authentication Framework To Enhance Net Banking Security. The First Layer Uses An Illusion-oriented PIN Mechanism That Conceals User Input Through A Dynamic And Deceptive Keypad. The Second Layer Integrates Real-time Facial Biometric Authentication For Accurate User Verification. Advanced Techniques Are Applied To Extract And Analyze Unique Facial Features. This Combination Ensures That Only Authorized Users Can Access The System, Even If Credentials Are Compromised. The Proposed Approach Effectively Reduces Unauthorized Access And Financial Fraud. It Also Maintains A Balance Between Security And Usability Without Requiring Additional Hardware.

Keywords