Kakili N chishi Niranjanamu The study of E-Commerce Security Issues and Solutions, International Journal of Advanced Research in Computer

and Communication Engineering Vol. 2, Issue 7, July 2013 : In this paper we review that E-commerce Security is a part of the Information Security framework and is specifically applied to the components that affect ecommerce that include Computer Security, Data security and other wider realms of the Information Security framework. E-commerce security has its own particular nuances and is one of the highest visible security components that affect the end user through their daily payment interaction with business. E-Commerce offers the banking industry great opportunity, but also creates a set of new risks and vulnerability such as security threats. Information security, therefore, is an essential management and technical requirement for any efficient and effective Payment transaction activities over the internet. Still, its definition is a complex Endeavour due to the constant technological and business change and requires a coordinated match of algorithm and technical solutions. In this paper we discussed with Overview of Ecommerce security, Understand the Online Shopping Steps to place an order, Purpose of Security in E- commerce, Different security issues in E-commerce, Secure online shopping guidelines. Rajpreet Kaur Jassal Study of Online Banking Security Mechanism in India, 2278-8727Volume 13, Issue 1 (Jul. - Aug. 2013), PP 114-121: In this paper we review that Internet banking has gained wide acceptance internationally and seems to be fast catching up in India with more and more banks entering the frayonline banking is defined as the use of Internet as a remote delivery channel of banking system services via the World Wide Web. This system enable customers to access their accounts and general information of bank products and services anywhere anytime i.e the model of banking has transformed from brick and mortar to all pervading through Anywhere and Anytime Banking through PC or other intelligent device using web browser software, such as Netscape Navigator or Microsoft internet Explorer or Firefox. But Online banking continues to present challenges to financial security and personal privacy. Billions of financial data transactions occur online every day and bank cyber crimes take place every day when bank information is compromised by skilled criminal hackers by manipulating a financial institutions online information system. This causes huge financial loses to the banks and customers. So one of the major concerns of people with respect to internet banking is the safety related to data of bank account, transactional information and also the access path of their accounts. The paper starts from the security problems Internet banking are facing, tries to explain suitable set of controls which consists of policies, procedures, organisational structures, hardware and software functions organisation has to establish , tries to explore various of Technology and Security Standards the RBI is recommending to banks for safe internet banking and analyses the current representative of the online banking security controls and measures

N. JamaluddinE-Banking: Challenges and Opportunities in India 23rd International Business Research Conference 18 - 20 November, 2013: In this paper we review that India is still in the early stages of E Banking growth and development. Competition and changes in technology and lifestyle in the last 10 years have changed the face of Banking. E Banking is likely to bring a host opportunities as well as unprecedented risks to the fundamental nature of Banking in India. The concept of Scope of E Banking is still evolving several initiatives taken by Government of India as well as Countrys Central Bank, the Reserve Bank of India have facilitated the development of E-Banking in India. This paper aims to present the E-Banking challenges and opportunities in India.

Chetashri Bhadane, Harsh M. Avlani, Zalak H. Parekh, Credit Card Fraud Detection Using Hidden Markov Model Volume 5, Issue 1, January-2012: In this paper we review that due to a rapid advancement in the electronic commerce technology, the use of credit cards has dramatically increased. As Credit card becomes the most popular mode of payment for both online as well as regular purchase cases of fraud associated with it are also raising. In this paper, we model the sequence of operations in credit card transaction processing using a Hidden Markov Model (HMM) and show how it can be used for the detection of frauds. If an Incoming credit card transaction is not accepted by the trained HMM with sufficiently high probability, it is considered to be fraudulent. At the same time, we try to ensure that genuine transactions are not rejected. Karan singh ,Secure Payment System for Electronic Transaction, Volume 2, Issue 3, March 2012: In this paper we review a secure electronic payment system for Internet transaction. The electronic payment system is to be secure for Internet transaction participants such as Payment gateway server, Bank sever and Merchant server. The security architecture of the system is designed by using Many Security Protocols and techniques, which eliminates the fraud that occurs today with stolen credit card/debit card payment information and customer information. Internet is an insecure and unreliable media. Methodology with help of Security Protocol, secure communication tunnel techniques can protect conventional transaction data such as account numbers, amount and other information.

Jhanvi Deshmukh,Cyber Crime Scenario in India International Conferenceon Advances in Computing and Communication Technologies,(2012): In this paper we review that there has been tremendous growth in use of Internet .Technology give rise to Cyber Crime. Cyber Crime is technology based crime committed by technocrats. This paper deals with variants of cyber crime like Salami Attack, Packet Sniffing, Tempest Attacks, and Bot Networks. It also includes real

world cyber crime cases their scenario and modus operandi. The global spam rate, malware rate and phishing rate is increasing rapidly. And there is a potential impact of cyber crime on economics, consumer trust and production time. The counter measures like GPRS Security architecture, Intrusion Detection System and Agent Based Distributed Intrusion Detection System are used for security purposes.

Dr. Ravinder Kumar Sehgal, Comparitive Study of Online Banking Security System of various Banks in IndiaInternational Journal of Scientific & Engineering Research, Volume 1, Issue 1, Oct2012 : In this paper we review that as modern banking increasingly relies on the internet and computer technologies to operate their businesses and market interactions, the threats and security breaches are highly increase in recent years. So online banking presents challenges to financial security and personal privacy when bank information is compromised by skilled criminal hackers by manipulating a financial institutions online information system. This causes huge financial loses to the banks and customers. To provide customers with secure, reliable ,robust online environment to do online banking the banks should adopt best of breed technologies to authenticate customers identities when they logon, to ensure that their data is transmitted securely and reliably .Bank should have best backup and contingency plans and should formulate best security policies and practices. In India the Reserve Bank of India (RBI) the governing body constituted a Working Group to examine different issues relating to internet banking and recommend technology, security, legal standards and operational standards keeping in view the international best practices. This paper tries to explore various of Technology and Security Standards the RBI is recommending to banks for safe internet banking Raja J, Journal of Internet Banking & Commerce by Vol. 13 Issue 1, p1-17. 17p April 2011 In this paper we review that the success of electronic commerce depends upon effective electronic payment systems. The Internet and on-line businesses are growing exponentially. Due to this explosive growth, electronic commerce on the Internet uses various electronic payment mechanisms that can cater for much diversity of applications. This paper discusses the evolution and the growth of electronic technologies, which can provide more advanced technical supports for electronic payment systems. The focus of this paper is to identify and explain the different methods of e-payment the authors analyses the challenges of electronic payments from different perspective and provide preliminary security countermeasures for each of the issues. Finally a number of solutions have been proposed based on the problem and discussed on the prospect of electronic payment system

Arena Brian P. Joyce, Money Laundering Risks in the Electronic Arena2011: In this paper we review that the advent and increasing application of electronic commercial transactions, e-banking, new payment technologies and digital currencies poses a threat to traditional due diligence systems in the international campaign against money laundering. As the electronic infrastructures of global commercial transactions and Internet financial services incubate, compliance dilemmas continue to evolve Kulwant Malik ,The security of electronic Banking Transaction,International Referred Research Journal,July,2011,ISSN-0975-3486, RNI: RAJBIL 2009/30097, VOL-II *ISSUE 22 In this paper we review that the Internet has played a key role in changing how we interact with other people and how we do business today. As a result of the Internet, electronic commerce has emerged, allowing businesses to more effectively interact with their customers and other corporations inside and outside their industries. One industry that is using this new communication channel to reach its customers is the banking industry. The electronic banking system addresses several emerging trends: customers demand for anytime, anywhere service, product time-to-market imperatives and increasingly complex back-office integration challenges. The challenges that oppose electronic banking are the concerns of security and privacy of information. The current focus of security of information transfer is on the session layer protocols and the flaws in endto-end computing. A secure end-to-end transaction requires a secure protocol to communicate over untrusted channels and a trusted code at both endpoints. The solution addresses the use of secure protocols because trusted channels dont really exist in most of the environment, especially since we are dealing with linking to the average consumers.

Keith W. Diveley, Kurt Hansen, Electronic identifier payment systems and methods Vol. 28, No.3, Jul-Sept. 2008. In this paper we review that A payment service method and system involve

a payment service provider, a customer/payor and a consumer provider/payee. The customer/payor enrolls in the service and is provided a unique identifier that enables the customer to conduct transactions with the payment service provider. The customer/payor interfaces with the payment service provider through various forms of communication, and can facilitate payments to the consumer providers/payees through the payment service provider while remaining anonymous.

Archenaa Jothi ,E-Cash For Safer Online Transactions Volume 4, Issue 8, August-2013: In this paper we review that technology has revolutionized all the fields including

banking. Driven by the internet phenomenon, banks have introduced online banking. It allows the user to perform banking transactions online. Due to the enormous development of e-commerce we are able to purchase anything online. But paying online is still a challenge. Currently debit cards and credit cards are used to pay online which incur high transaction cost and its not secure. To overcome this money has to be digitized. E-cash allows transferring digital money through a secured channel. In this paper we will review some cryptographic algorithms which ensure the security of digital money. To shop online e-coins can be used to make payments. E-coin contains the value of money, serial number, issuing bank and date of expiry. It is encrypted and digitally signed by the bank using blind signatures. Serial number is unique which detects double spending. E-cash offers both secure online and offline payments. Customers can request e-coin from the bank by specifying the denomination. Bank sends the encrypted digitally signed e-coin to the customer. It can be paid to the merchant and it can be deposited in merchants e-cash account to get real money. Customer need to open digital account with the bank to utilize digital money

Yang Jing On-line Payment and Security of E-commerce Nanchang, P. R. China, May 22-24, 2009, pp. 046-050 In this paper we review that along with the information technology, the Internet high speed development, electronic commerce has caused the current distribution realm significant transformation gradually. In the electronic commerce practice, the online electronic payment is the electronic commerce essential link, also is the foundation condition which electronic commerce can smoothly develop. Not the corresponding real-time electron payment means coordinate, electronic commerce only can be does not have the practical significance "the hypothesized commerce", but is unable to realize on the genuine net the transaction. The on-line electronic payment is the electronic commerce development core, is completes on the net the transaction essential step, also is at present restricts the domestic network application development a bottleneck

Shumaila Y. Yousafzai, John G. Pallister, Gordon R. Foxall ,A proposed model of e-trust for electronic banking ,Technovation 23 (2003) 847860 With the phenomenal growth of B2C e-commerce, most industries including banking and financial services sector have been influenced, in one way or another. Several studies suggest that customers have not adopted B2C e-commerce in the same degree primarily because of risk concerns and trust-related issues. This paper extends an area of information systems research into a marketing of financial services context by looking into the element of trust and risk in e-banking. A conceptual model of trust in e-banking is proposed with two main antecedents that influence customers trust: perceived security and perceived privacy. The antecedent variables are moderated by the perceived trustworthiness attributes of the bank, which includes benevolence, integrity and competence. Trust is being defined as a function of the degree of risk involved in the e-banking transaction, and the outcome of trust is proposed to be reduced perceived risk, leading to positive intentions towards adoption of e-banking.