International Journal of Engineering and Innovative Technology (IJEIT)
Recently the use of online banking has been increased to perform various online banking transactions. On the other hand, it is been targeted by various attacks found at the client side. Lately, traditional security methods were not capable enough to tackle these attacks such as intruder attacks, phishing attacks, etc. Presently remote authentication is the most efficient technique used to protect various services, resources, security for the unauthorized use. In this paper, the authors use three-factor authentication and upgrade this method by including the fourth factor.