Improved Online Banking Authentication Technology And Its Applications

With the proliferation of computers, and the rapid development of Internet, e-commerce has being unprecedented develop, more and more people begin to bank online banking business. However, with the increase in the amount of network transactions, various Trojans and viruses against the online transactions also emerge. Security issue is the core concerns of e-commerce. Effectively preventing hackers, Trojans and viruses from stealing the customer passwords or transferring the customer funds is the most important criteria to measure an online banking system. Banks take a variety of means to ensure the security of online banking transactions. The authentication of the identity of customers is one of the important means of online banking to ensure the security of online banking transactions.This paper is mainly to study the security of user authentications when online banking transactions were secretly tampered. This paper has an in-depth analysis and comparison of the current online banking methods of customer authentication, pointes out the inadequacies, and presents a online banking method of customer authentication to ensure the security of customer accounts, even if a customer transaction information is secretly tampered. This method is based on the fingerprint authentication technology and the USB-Key.According to the proposition of the authentication method based on fingerprint-USB-Key technology, the customer authentication module of the online banking (test system) of Guangxi XXX Bank was transformed, with the logic designing process, the code transforming process, and data testing process. The feasibility and safety of the method is verified by a transacting test.