• Munde Shital Balchand
• Dr. Bankat Madhavrao Patil

Authentication plays a vital role in providing security to the online banking system. At present, many banks are using a combination of username and password to authenticate and verify users. Thus, memorizing such usernames and password becomes a difficult task.Now a day’s many people are doing on-line financial transactions. This transaction or records needs to be safe and secure. Now a days there are numbers of attacks present. Phishing is one type of attack. For detecting this attack, numerous anti-phishing mechanisms are used. In addition to this, legacy authentication methods have failed many times and they are less efficient against wide range of users, networks and authentication server attacks. As per the data breach records, the attackers have used the high-tech techniques to steal users credentials which is a serious threat. In this paper, we propose an effective and practical user authentication scheme using a personal device that uses various cryptographic primitives such as encryption, digital signature, and hashing. These techniques make use of different ubiquitous computing and intelligent portable and wearable devices. This technique will enable user to use a secure authentication protocol .Our proposed technique does not require an authentication server to maintain static username and password tables for identifying legitimate users. Also, this technique can secure the user against password attacks as well as it can fight against replay attacks, shoulder surfing attacks, phishing attacks, and data breaches.

Keywords - Authentication, One Time Username ,Access Control.

"A Secure Authentication Schema Using Personal Devices", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.300-313, June 2019, Available :http://www.jetir.org/papers/JETIR1906X76.pdf

"A Secure Authentication Schema Using Personal Devices", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp300-313, June 2019, Available at : http://www.jetir.org/papers/JETIR1906X76.pdf