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As the Internet banking service has become popular, many users have been able to exchange goods online. Even though this offers advantage, there are cases of incidents in the Internet banking service arising from security threats. In order to counteract this problem, various security techniques have been applied over the whole area of the Internet banking service. In this paper, we analyze the results of security techniques applied in the user terminal area. In detail, we classify the existing security technologies into network domain, financial institution domain, and user terminal domain, to ensure the security of the Internet banking service. This paper focuses on security techniques in the user terminal domain. Specifically, we classify the security technologies in the user terminal domain into secure keyboard program, PKI applications, E2E encryption, antihacking program, personal firewall, removable media security, and antireverse engineering technique and describe detailed and key techniques of each security technology. For easy understanding and security analysis of security technologies, we describe each security technology in detail and explain each technology by way of example. We consider that this paper will provide criteria for evaluating the security of Internet banking services.

Classification and Analysis of Security Techniques for the User Terminal Area in the Internet Banking Service