User Authentication Model based on Mobile Phone IMEI Number: A Proposed Method Application for Online Banking System

Abstract

The conventional banking structure is improved with the incorporation of elements of electronic banking, such as transfers over the counter using bank books, where all transfers can now be carried out through the network due to globalization and the development of information and communication technologies. Major risks to this infrastructure, however, often arise at the same time, such as from financial fraud. Therefore, it is important to create trust among banking users by offering security mechanisms. Security frameworks in electronic banking concentrate primarily on demonstrating a safe environment for online transactions, especially the authentication of the user. Several scholars have recommended several methods for the banking industry to authenticate online consumer access. Most of the experiments are based on standard username and password types, but with various password type mechanisms. Password in arbitrary value through a protected channel, for example, as well as biometrics such as retina recognition, speech recognition, or fingerprint recognition. In this paper, we introduced our own model for online user access authentication for the banking industry. The gaps of the current research are identified, and finally, the new authentication model is proposed based on the research gap. The significant difference of the proposed model is that this model provides security to user access without entering a username and password.