Secure Electronic Fund Transfer Model based on Two level Authentication

An Exponential growth of the high-speed internet has resulted in the rapid growth in online marketing. Online shopping provides the services to online shoppers as well as walk-in shoppers. However, security is the main concern in e-commerce in order to safeguard the confidential information, from online fraud, i.e. credit card or debit card fraud, leakage of information by the merchant or bank when a card is not used in online transaction etc. This paper proposed the two-way authentication technique modeled around visual cryptography and steganography techniques to protect the e-commerce fraud. The technique provides better security in term of authentication, identity theft and data transfer.