Digital Watermarking for a Bank Card Authentication System
Juan Antonio Ríos Chávez, Carlos Aquino Ruiz, Carlos Cortés Bazán, Silvestre Ascencion García Sánchez · European Journal of Electrical Engineering and Computer Science · 2025
Financial systems are under significant threats through bank card frauds using advanced cloning techniques such as skimming. In this paper, we propose a new method to improve the authentication of bank cards based on digital watermarks. The system puts an impermanent watermark into the magnetic stripe by exploiting its vulnerability, inserting a fragile watermark with the help of Least Significant Bit (LSB) algorithm. Character strings produced from authentic 13 personalized people records are included within the types of card data therefore, once each dealing, it's doable to verify the state of knowledge with watermark. Private key mechanism is using for encrypting and decrypt the watermark during transactions. Flu can also detect cloned cards with the help of its combination of MATLAB functions for embedding and extraction along with certain assessment methodologies which test the possibility to identify cloned card using bit error rate (BER) analysis. It will also work in reducing electronic payment security concerns with unauthorized card use.