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Internet Banking 3.0

Internet Banking 3.0. Towards a National Secure (and private) Internet infrastructure for Online Banking. Uniken Management Team. Gopi Gopalan, Chairman of the Board Sanjay Deshpande, Chief Scientific Officer Dr. Pat Shankar, Member of Scientific Advisory Board

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Internet Banking 3.0

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  1. Internet Banking 3.0 Towards a National Secure (and private) Internet infrastructure for Online Banking

  2. Uniken Management Team Gopi Gopalan, Chairman of the Board Sanjay Deshpande, Chief Scientific Officer Dr. Pat Shankar, Member of Scientific Advisory Board Ajay Dubey, Chief Product Architect Nanjundeashwar Ganapathy, Chief Technology Officer Prakash Salvi, Chief Delivery Officer Vivek Saxena, Chief Business Officer Nilesh Dhande, Head of DEEKSHA

  3. Uniken Innovation Center

  4. Internet 1.0 and 2.0!

  5. What’s wrong with the internet ? • Invention TCP/IP • Distributed communication infrastructure • Invention of HTML • Primary objective was to distribute and communicate information • Invention of the browser • Dot Com and ecommerce boom (and bust) • Banking industry’s thrust on Internet Banking (the cost reduction drive) • Birth of Cyber Criminals! (well, they were already there, the world awakened to the fact that they are there)

  6. NOTHINGS WRONG WITH THE INTERNET Its cheap… Its free (as in anyone can use it), its available (almost everywhere now) Anyone can create any website, put any content, on any server, with any IP address with NO GOVERNMENT CONTROL! Its democracy at its best! If anything is wrong it is the fact that its been used for something that it was NOT designed to be used for in the first place. The designers never said it is for doing secure communications

  7. Anatomy of the Internet Infrastructure(The fundamental reason for fraud) Customers PC (Hardware and OS) Browsers Internet(work) [DNS, Routers etc] (Banks) Servers WHAT PART OF THIS IS UNDER THE CONTROL OF THE BANK?

  8. Internet Map of the World

  9. Would you connect your ATM to such a network? Why would you not allow your customer to browse the internet while he is withdrawing cash? BECAUSE YOU DON’T TRUST THE INTERNET. PERIOD. Now, in case of Internet Banking – add the users PC (hardware/OS) and the Browser to this list – and you will now visualize what one is dealing with!

  10. Internet (Banking) 3.0A Uniken R&D ViewpointResearch @ Uniken

  11. The future • From generalization to specialization (from public to private) • TV • Radio • Internet would evolve to a specialized dynamic virtual private networks (layered on top of the underlying communication framework) • Browsers (or web-application entry points) would specialize (Banking Browser, Gaming Browser, News Browser, etc) • The PC would have the technology to dynamically (on demand) become an specialized secure appliance • Mutual Authentication would be de facto standard in identity

  12. Uniken’s Patented Technology Virtual User Access Device Secure Browser Secure Desktop Insecure Customer PC Data Tunnel (RMAP Mutually Authenticated and Encrypted) SSL Pipe ENZEN 2FA Mutual Authentication REL-ID SoftCard + PIN

  13. Dynamic Private Network Layer Phishing X Man-in-the-middle Session Hijacking Replay Attacks X X Pharming X Pharming Man-in-the-browser Man-on-the-machine

  14. TRUBANK 2 STEP BANKING

  15. Step 1: Launch (from PC or USB) and Enter PIN

  16. Step 2: Start Banking

  17. Messaging Add-on (Optional)

  18. National Secure (and Private) Infrastructure for Internet Banking

  19. Thank Yousanjay.deshpande@uniken.com

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