In the present day word, online shopping using WAP enabled mobile phone has widely come into use. Credit cards serve as the currency during e-business and e-Shopping. As technology has advanced in the negative side also hackers steal, misuse credit card numbers, even though the network has been made secure. So, in this paper, the authors have proposed a multi-biometric model (integrating voice, fingerprint and facial scanning) that can be embedded in a mobile phone, this making e-transactions more secure. The model is very cost effective as they have tried to use the hardware already present in the phone. This paper uses for image processing or facial reorganization and finger print.