Özet:

The paper deals with the basic methods of constructing a two-factor authentication system based on cryptographic mechanisms for ensuring the cryptographic security of the authenticators formed. Risk assessment of various methods of online attacks against various two-factor authentication systems is carried out. The PassWindow system, which provides two-factor authentication on the unique ability of the matrix particles to transmit information in a way that it is deciphered only when imposing the physical template of characters of the intended recipient and barcode template, obtained through electron-network devices of users is considered. Resistance to the analysis is provided by a unique generation of barcode template of the card as unique statistical images, a sequence of characters or a more extended animated version. The object of the research is the process of improving the integrity and authenticity of data packets in security protocols of banking transactions based on two-factor authentication methods. The subject of the study are control methods and algorithms of the integrity and authenticity of data packets in security protocols of banking transactions based on two-factor authentication methods. The aim is to increase the integrity and authenticity of data packets in security protocols of banking transactions, threat assessment of two-factor authentication methods. A comparative analysis of various two-factor authentication systems with the PassWindow system in withstanding various Internet attack scenario is performed. Author Biographies Сергей Петрович Евсеев, Simon Kuznets Kharkiv National University of Economics pr. Lenina 9a, Kharkov, Ukraine, 61166 Ph.D., Associate ProfessorInformation Systems Department

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