期刊名称：International Journal of Engineering and Computer Science
印刷版ISSN：2319-7242
出版年度：2015
卷号：4
期号：12
页码：15158-15160
DOI：10.18535/Ijecs/v4i12.12
出版社：IJECS
摘要：Due to rapid advancement in electronic commerce technology. Most of the transactions in the banking are doneonline. As there are many service provider in banking so user must analyze the performance and choose the best among them.Also Credit cards become the most popular mode of payment for both online and regular purchase.In this paper we are introducing the concept of three level of security, the first level is the static User name or password, and inthe second level it uses Hidden Markov Model (HMM) and shows how it can be used for the detection of frauds. An HMM isinitially trained with the normal behavior of a cardholder. If an incoming credit card transaction is not accepted by the trainedHMM with sufficiently high probability, it is considered to be fraudulent. At the same time, we try to ensure that genuinetransactions are not rejected. And to reduce the false positive transactions we will send the dynamic password, which can be sendthrough the use of web services to the user’s mobile phone number instantly and he/she has to enter same password for getting theauthorization from the bank side and suppose if due to the heavy load on the server side , if the user does not get the password inits mobile phone within the given stipulated time, then after a little time interval some personnel questions(either security questionor images) will be asked which can be answered by the end user
