Four Factor Authentication with emerging cybersecurity for Mobile Transactions

Abstract: Cybersecurity is very essential for Mobile Transactions to complete seamlessly. Mobile Commerce (Mcom.) is the very basic transaction type, which is very commonly used (2 in 5 people uses mobile as transaction medium), To secure this there are various technologies used by this research. The four factors formally known as Multi-Factor-Authentication are: two of them are Traditional methods (User Login-password and One Time Password (aka OTP)) with addition of Geolocation and Facial Recognition. All the data is converted to a text file, which is hidden in an image (using Babushka algorithm). The end-point then decrypts the image using same algorithm.