A COMPREHENSIVE E-SAVINGS SCHEME: A JOURNEY TOWARDS MOBILE WALLET

By the

BUET- Enrooters
TEAM LEADER:
MEMBERS:

Mobile Wallet Solution

Collaboration between telecom & financial sector Existing technology based e-transaction

Novel concept: e-Load Center

towards Our Mobile Business Solution Wallet

e-Savings & transactions for all income group

Promotional concept : My Savings

Problems and challenges

Solution How secured the e-transactions are going to be? Security Concern Is it protected enough in the Business Gateway? Will the national ID info shared by the government? Identity concern If not, how to confirm someone's identity during e-transaction?

A New Dimension of Security: Digital Watermarking

Channel

A Novel Security Shield: Digital Watermarking

Digital Watermarking in Our Scheme

Next Generation Authentication: Voice Verification

How verification Voiceis it done?
Access denied
No

Yes

Access Match

State of the Art Authentication: Voice Verification

How is it done?

Stored Voiceprint

Voice Verification: Really possible?

US PORTPASS program Canadian border in Taiwan Israeli Bank Leumi Since 2005, U.S homeland Security British IT group BT A number of companies U.S-

Security Breach : How difficult?

An Intruder has to ..
Impossible

Voice Verification in Our Scheme

Registration

Use Voice Verification?? No

Confirmation pin

Use Voice Verification?? Yes

Banking Services

Voice SMS with Pin-code

Voice Recognition

Servers for Transaction

Mobile server
Text

Banking server
Online

Receiver

Sender Mismatch

Receiver

Transmitter Clients

Voice database

Match

User caller Online

Account database Account No: Client Pin: SIM: Balance: Transaction

Transmitter Marker

Receiver Remover

Completed Marker

Failed Remover

Watermarking

Watermarking

Cash flow
Banking Service

Registration fees

SMS charge registration

Bank sectors
Users (individuals Transaction fees /institution) Service charge

Telecom sectors

Transaction fees
Balance checking fees

Loan providing Based on Data Mining

Future Plans
Installation

in JAVA enabled mobile Improvement of Voice Verification Integrating Voice Recognition entirely Voice based
system

Software development

Thanks everyone

Special Thanks to

Mr. Khaled Ansary,Asst. Engineer,IICT,BUET Mr. Saurov Mahmud Sagor,Research ,Engineer,Finder,LBS