Towards a Two Factor Authentication Method Using Zero-Knowledge Protocol in Online Banking Services

  • Manish SinghEmail author
  • Yichen HanEmail author
Conference paper
Part of the Communications in Computer and Information Science book series (CCIS, volume 931)


The main objective of our work is to explore the applicability of cryptographic authentication techniques in two factor/step authentication techniques for online banking systems. In particular, we are investigating zero-knowledge protocol as the second step authentication in the aforementioned systems. Many of the existing two-factor authentication schemes involves the third party in their authentication scheme and/or send user information such as passwords over the network. We have proposed a model which utilizes zero-knowledge proof for second step authentication. The proposed system does not involve the third party or require user passwords to be sent over the network. We also have analyzed and discussed some of the security aspects such as key logging, shoulder surfing and eavesdropping which existing one-factor username password-based systems are not immune to.


Zero-knowledge proof Two-factor authentication Online banking 


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© Springer Nature Singapore Pte Ltd. 2019

Authors and Affiliations

  1. 1.Wellington Institute of TechnologyLower HuttNew Zealand

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