Ruba, N. ., and A. S. A. . Khadir. “Time Variant Password Okamoto–Uchiyama Cryptography Based Three Layer Authentication for Secured Financial Transaction”. International Journal of Intelligent Systems and Applications in Engineering, vol. 12, no. 8s, Dec. 2023, pp. 404-13, https://ijisae.org/index.php/IJISAE/article/view/4131.