This paper explains implementation details of online banking authentication system. Security is an important issue for online banking application which can be implemented by various internet technologies and gap between real world and virtual world can be filled up. While implementing online banking system, secure data transfer need can be fulfilled by using https data transfer and database encryption techniques for secure storage of sensitive information. To eliminate threat of phishing and to confirm user identity, QR-code which would be scanned by user mobile device can be used and weakness of traditional password based system can be improved by one time password (OTP) which can be calculated by user transaction information and data unique at user side like imei number of the user mobile device
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