Nowadays, there is a tremendous increase in the use of online secure payment systems. Even roadside shops all over India and other countries have access to online payment which made each and every person to go cash-free. But there is one important issue we need to consider which is the security during online transactions. There are several new techniques that are being developed nowadays but each has its own pros and cons. In order to enhance the security during online transaction, we have introduced a two-way authentication system which increases the security during online transaction. This system includes facial and proxy detection before entering the UPI pin. The algorithm used in this paper, will further improve the security and efficiency of facial recognition since it embeds 128 feature points of the user’s face thereby increasing the accuracy of the system. While the data is being transmitted for verification, we have included tripleDES encryption to further enhance the security of the work. After the verification is done by the system, the bank balance of the user is verified and the transaction is done. The proposed system has better efficiency when compared to the existing works and also its simple UI makes it easy to use.

American scientific publishing group