• Journal of the Korea Institute of Information Security & Cryptology
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• v.25 no.3
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• pp.501-507
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• 2015

The online banking service handles a banking business over the internet, it is necessary to ensure that all financial transactions are processed securely. So, there are various authentication technique for e-banking service : a certificate, a personal identification number(PIN), a security card and a one-time password(OTP). Especially, the security card is most important means including secret information. If the secret information of card is leaked, it means not only loss of security but also easy to attack because security card is a difficult method to get. In this paper, we propose that a multi-channel security card saves an secret information in distributed channel. Proposed multi-channel security card reduces vulnerability of the exposed and has a function to prevent phishing attacks through decreasing the amount of information displayed and generating secret number randomly.