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In the current internet technology, most of the transactions to banking system are effective through online transaction. Predominantly all these e-transactions are done through e-commerce web sites with the help of credit/debit cards, net banking and lot of other payable apps. So, every online transaction is prone to vulnerable attacks by the fraudulent websites and intruders in the network. As there are many security measures incorporated against security vulnerabilities, network thieves are smart enough to retrieve the passwords and break other security mechanisms. At present situation of digital world, we need to design a secured online transaction system for banking using multilevel encryption of blowfish and AES algorithms incorporated with dual OTP technique. The performance of the proposed methodology is analyzed with respect to number of bytes encrypted per unit time and we conclude that the multilevel encryption provides better security system with faster encryption standards than the ones that are currently in use.

A Review of Information Security from Consumer’s Perspective Especially in Online Transactions