Paper title:

Improving the Security of Internet Banking Applications by Using Multimodal Biometrics

Published in: Issue 1, (Vol. 9) / 2015
Publishing date: 2015-03-31
Pages: 37-42
Author(s): LUPU Cătălin, GĂITAN Vasile-Gheorghiţă, LUPU Valeriu
Abstract. Online banking applications are used by more and more people all over the world. Most of the banks are providing these services to their customers. The authentication methods varies from the basic user and password to username and a onetime password (OTP) generated by a virtual or a physical digipass. The common thing among authentication methods is that the login wepage is provided through a secure channel. Some banks have introduced (especially for testing purposes) the authentication using common biometric characteristics, like fingerprint, voice or keystroke recognition. This paper will present some of the most common online banking authentication methods, together with basic biometric characteristics that could be used in these applications. The security in internet banking applications can be improved by using biometrics for the authentication process. Also, the authors have developed an application for authentication of users using fingerprint as the main characteristic, which will be presented at the end of this paper.
Keywords: Internet Banking, Biometrics, Digipass, Fingerprints, Security

1. C., Lupu, V.G., Gãitan, V. Lupu, “Security enhancement of internet banking applications by using multimodal biometrics”, IEEE 13th International Symposyum on Applied Machine Intelligence and Informatics (SAMI 2015), Jan. 22- 24, 2015, Herl’any, Slovakia, pp. 47-52, ISBN 978-1-4799- 8220-2, 978-1-4799-8221-9, available online at: 9_sami2015.pdf (last accessed: Jan. 15, 2015)

2. C. Lupu, V. Lupu, “The beginnings of using fingerprints as biometric characteristics for personal identfication purposes”, Annals of the „Constantin Brancusi” University of Targu Jiu, Engineering Series, No. 3/2014, pp. 53-56, ISSN 1842-4856, available online at: 3/8_Catalin%20Lupu.pdf (last accessed on Jan. 15, 2015)

3. C. Lupu, V. Lupu, “Biometrics used for authentication in internet-banking applications”, Annals of the „Constantin Brancusi” University of Targu Jiu, Engineering Series, No. 3/2014, pp. 57-63, ISSN 1842-4856, available online at: pdf/2014- 3/9_Catalin%20Lupu.pdf (last accessed on Jan. 15, 2015)

4. C. Lupu, “Development of optimal filters obtained through convolution methods, used for fingerprint image enhancement and restoration”, “The USV annals of Economics and Public Administration”, Volume 14, issue 2(20), 2014, pp. 156-167, ISSN 2285–3332 (printed), 2344–3847 (online)

5. S.S. Hoseini and S. Mohammadi, “Review banking on biometric in the world’s banks and introducing a biometric model for Iran’s banking system”, Journal of Basic and Applied Scientific Research, Part III 2(9), September 2012, pp. 9152-9160, available online at asic.%20Appl.%20Sci.%20Res.,%202(9)9152- 9160,%202012.pdf (last accessed on Jan. 15, 2015)

6. Ross, K. Nandakumar, A.K. Jain, “Handbook of multibiometrics”, Springer, 2006, ISBN 978-0-387-22296-7

7. J.L. Wayman, A.K. Jain, D. Maltoni, D. Maio, “Biometric systems: technology, design and performance evaluation”, Springer, 2005, ISBN 978-1-84628-064-1

8. F. Galton, “Finger Prints”, MacMillan and Co., 1892, available online at fingerprints/index.htm (last accessed on Jan. 15, 2015)

9. G. Pasescu, I.R. Constantin, “Secretele amprentelor papilare”, Editura National, 1996, ISBN 973-97574-0-5

10. D. Maltoni, D. Maio, A.K. Jain, S. Prabhakar, “Handbook of fingerprint recognition”, Springer,2005, ISBN 0-387-95431-7

11. L. Flom, A. Safir, “Iris recognition system”, United States Patent no. 4.641.349, 1987, available online at: (last accessed on Jan. 15, 2015)

12. J. Daugman, “Biometric personal identification system based on iris analysis”, US Patent no. 5.291.560, 1994, available online at: (last accessed on Jan. 15, 2015)

13. J. Daugman, “How iris recognition works”, IEEE Transactions on circuits and systems for video technology, Vol. 14, no. 1, pp. 21-30, ISSN 1051-8215, available online at: (last accessed on Jan. 15, 2015)

14. Moldoveanu, F., “Tehnici de imbunatatire si restaurare a imaginilor”, Bucuresti 2013 15. Canny, J., “A computational approach to edge detection”, IEEE Transactions on Pattern Analysis and Machine Intelligence, PAMI-8(6):679–698, Nov. 1986.

16. Moeslund, T.B., “Image and Video Processing”, August 2008

17. Green, B., “Canny edge detection tutorial”, edu/_weg22/can_tut.html (last accessed: Jan. 15, 2015)

18. M. Burge, K. Boweyer, “Handbook of iris recognition”, Springer, 2013, ISBN 978-1-4471-4401-4

Back to the journal content
Creative Commons License
This article is licensed under a
Creative Commons Attribution-ShareAlike 4.0 International License.
Home | Editorial Board | Author info | Archive | Contact
Copyright JACSM 2007-2023