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The purpose of this paper is to present the design of a secure and more advanced authentication scheme for executing secure financial transactions over Internet. There has been continuous change in technology day by day, so security mechanisms like authentication schemes are also required to be updated. The security measures have very crucial role in banking and financial sector. For any internet application which deals with personal and private information exchange, single tier authentication is inadequate. Authentication schemes that imply more than one tier for authentication are comparatively safer than single tier authentication scheme.
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