An Improved Multimodal Biometric Architecture for Securing Online Payment

The need for cashless economy in the banking sector has introduced electronic banking popularly called the e-banking system. This system helps to limit the volume of physical cash in circulations. It encourages the use of electronic (computer platform) to perform payment through bank transfer. This kind of system has been seen to be very useful in moving any economy from cash-based economy to a cashless economy with numerous advantages. However, the current security features of this platform that enable the online payment through bank transfer are very weak. This is so because, during the use of the current online payment platform, the user is expected to provide some security digit codes usually four digit number as personal identification number (PIN) used during registration in the platform to authenticate the money transfer. Since people can easily misplace their PIN, there is need to use a more robust method in securing this platform. Hence, this paper has presented the use of more than one human physiological feature in securing this platform. The primary research objective of this paper is to design a better multimodal biometric architecture suitable for securing online payment platform.