Biblio

The utilization of the online services especially the access to Internet Banking services has grown rapidly from last five years. The Internet Banking services provide the customers with the secure and reliable environment to deal with. But with the technology advancement, it is mandatory for the banks to put into practice the ideal technologies or the best security strategies and procedures to authorize or validate the originality of the customers. This must be done to ensure that the data or the information being transmitted during any kind of transaction is safe and no kind of leakage or modification of the information is possible for the intruder. This paper presents a digital watermark method for the QR Code (Quick Response Code) In this, a visible watermark is embedded in the QR Code image using the watermark technology (DCT) and describes the functioning feature of a secure authorization system by means of QR codes & the digital watermark for Internet Banking.

Security and making trust is the first step toward development in both real and virtual societies. Internet-based development is inevitable. Increasing penetration of technology in the internet banking and its effectiveness in contributing to banking profitability and prosperity requires that satisfied customers turn into loyal customers. Currently, a large number of cyber attacks have been focused on online banking systems, and these attacks are considered as a significant security threat. Banks or customers might become the victim of the most complicated financial crime, namely internet fraud. This study has developed an intelligent system that enables detecting the user's abnormal behavior in online banking. Since the user's behavior is associated with uncertainty, the system has been developed based on the fuzzy theory, This enables it to identify user behaviors and categorize suspicious behaviors with various levels of intensity. The performance of the fuzzy expert system has been evaluated using an receiver operating characteristic curve, which provides the accuracy of 94%. This expert system is optimistic to be used for improving e-banking services security and quality.