Securing Online Banking transactions for customer is the primary goal of financial institutions that provides Internet banking facility. Mobile phones play an important role in our society as more and more functions having been integrated within mobile phones, such as Internet browsing, mobile banking, and shopping. Mobiles phones can be used to secure ATM card pins by sending to the customer directly rather than in emails or by other means which has a possibility of hacking. In this paper we have proposed method of generating a Private Key Security Token by bank authentication servers which uses IMSI registers and IMEI number of client’s mobile registered. The key is generated by implementing RIPE MD160 and Hex Encode Algorithm. Token received is valid only for that client mobile only and can be generated upon request by customer dynamically. The client is given a PIN and a Master Key when registered to the Online Banking Services. If in case a client’s mobile is lost, authentication is done using Unique Master Key, else the Private Key Token is used there by making transactions secured and simple without the need of carrying any USB Tokens. The additional functionality provides the client more security on their transactions. Due to this Phishing attacks by the hackers is avoided.
Due to the evolution of the Electronic Learning (E-Learning), one can easily get desired information on computer or
mobile system connected through Internet. Currently E-Learning materials are easily accessible on the desktop computer
system, but in future, most of the information shall also be available on small digital devices like Mobile, PDA, etc. Most
of the E-Learning materials are paid and customer has to pay entire amount through credit/debit card system. Therefore,
it is very important to study about the security of the credit/debit card numbers. The present paper is an attempt in this
direction and a security technique is presented to secure the credit/debit card numbers supplied over the Internet to access
the E-Learning materials or any kind of purchase through Internet. A well known method i.e. Data Cube Technique is
used to design the security model of the credit/debit card system. The major objective of this paper is to design a
practical electronic payment protocol which is the safest and most secured mode of transaction. This technique may
reduce fake transactions which are above 20% at the global level.