India is growing through a digitalization era where nowadays most of the financial transactions are done by Internet Banking & Mobile Banking, so in this paper the proposed system has redesigned ease of doing transaction. the conventional way of doing any transaction is to open a Merchant order page, select appropriate item you want to buy & enter an OTP at Bank gateway page, so in this paper the proposed system has redesigned a concept to overcome the problem of an OTP is compromised by the user, so the proposed system has redesigned that functionalities. In this proposed system implementation of five factors are used. In this proposed system different factors such as face recognition, location history, card details, Transaction history, OTP are used. So by implementing this five factors the proposed system is making the transaction more secure

Keywords : 5 Factor Authentication, Card Details, Database, Face recognition, Location history, Machine Learning, OTP, Regression Algorithm, Servlet, Transaction history