摘要：I CT (Information and Communication Technology) plays an important role in o ur daily lives, particularly in the fields of e transactions, e learning, e governance, and so on, by incorporating the Internet and Internet based web services via Smartphones, computers, tablets, palmtops, and so on. In modern days, most financial transa ctions have been performed using a client's debit card, credit card, or online account transfer through some verified applications. In most cases, a financial transaction needs a One Time Password (OTP) is used by the bank to verify the authenticity of the ir authentic clients to counter unauthorized access. This paper describes how an OTP can be generated and transmitted effectively and efficiently through the Internet from an OTP Transaction Server to the respective client during a particular transaction i n e commerce. The major modules of our proposed scheme are HMAC SHA 256 function with fingerprint biometric in addition to the ECEl Gamal public key cryptosystem, which is the backbone of our recommended model used for encryption and decryption of the respective plain OTP. To make the authentication process faster and secure, we have imposed The HMAC SHA 256() hashing technique and ECEl Gamal public key encryption. This paper also elaborates on how the fingerprint template of a specific client is used as a private key in the HMACs a private key in the HMAC--SHASHA--256() hash algorithm. Further performance and 256() hash algorithm. Further performance and security of the proposed model have also been analyzed with suitasecurity of the proposed model have also been analyzed with suitable tables, figures, and ble tables, figures, and chartscharts..
