top of page
Asian Institute of Research, Journal Publication, Journal Academics, Education Journal, Asian Institute
Asian Institute of Research, Journal Publication, Journal Academics, Education Journal, Asian Institute

Engineering and Technology Quarterly Reviews

ISSN 2622-9374

Screen Shot 2018-08-15 at 7.28.21 PM.png
Screen Shot 2018-08-15 at 7.28.06 PM.png
Screen Shot 2018-08-15 at 7.28.12 PM.png
Screen Shot 2018-08-15 at 7.28.27 PM.png
open access

Published: 22 June 2023

A Novel Approach for UPI Seamless Transaction with Colour Code System by CASS Using Cloud Computing

P. Maragathavalli, Aishwarya Devi V., Sharmila J., Nekkanti Bhavitha

Puducherry Technological University Puducherry, India

journal of social and political sciences
pdf download

Download Full-Text Pdf



Pages: 79-91

Keywords: Advanced Behavior Analysis, Covert Attentional Shoulder Surfing (CASS), Mobile-Based Applications, Online Transactions, Platform-as-a-Service (PaaS), PIN Entry, Platform Independence,
Shoulder Surfing, Unified Payment Interface (UPI).


The rise of mobile payment applications like UPI has revolutionized the way transactions are carried out. However, with this convenience comes the risk of security breaches. One of the most common forms of attack is direct observation through shoulder surfing, where adversaries can notice the PIN entry during a transaction. To counteract this issue, a solution based on Covert Attentional Shoulder Surfing (CASS) has been proposed. This system is intended to provide high-level security to users during transactions, making it an excellent option for commercial and personal transactions. The proposed system provides various features that benefit users in the seamless transaction process. Overall, the proposed system is a reliable and secure option for mobile payment users, addressing the significant concerns of shoulder surfing and fraud detection. Compared to the existing system, our system has a 98 % accuracy rate, a high level of responsiveness. These improvements indicate that our system is more efficient and effective than the previous system.


  1. Andriotis, P., Kirby, M. & Takasu, A. Bu-Dash: a universal and dynamic graphical password scheme (extended version). Int. J. Information. Security. (2022).

  2. Hajek, P., Abedin, M.Z. & Sivarajah, U. Fraud Detection in Mobile Payment Systems using an XGBoost-based Framework. Information System Front (2022).







  9. K. K. Lakshmi, H. Gupta and J. Ranjan, "UPI Based Mobile Banking Applications – Security Analysis and Enhancements," 2019 Amity International Conference on Artificial Intelligence (AICAI), Dubai, United Arab Emirates, 2019, pp. 1-6, doi: 10.1109/AICAI.2019.8701396.

  10. Kim, SI., Kim, SH. E-commerce payment model using blockchain. Journal of Ambient Intelligence and Humanized Computing 13, 1673–1685 2022).

  11. S. Fugkeaw, "Enabling Trust and Privacy-Preserving e-KYC System Using Blockchain," in IEEE Access, vol. 10, pp. 49028-49039, 2022, doi: 10.1109/ACCESS.2022.3172973.

  12. Y. Madwanna, M. Khadse and B. R. Chandavarkar, "Security Issues of Unified Payments Interface and Challenges: Case Study," 2021 2nd International Conference on Secure Cyber Computing and Communications (ICSCCC), Jalandhar, India, 2021, pp. 150-154, doi: 10.1109/ICSCCC51823.2021.9478078.

  13. Y. Zhou, B. Hu, Y. Zhang and W. Cai, "Implementation of Cryptographic Algorithm in Dynamic QR Code Payment System and Its Performance," in IEEE Access, vol. 9, pp. 122362- 122372, 2021, doi: 10.1109/ACCESS.2021.3108189.

bottom of page