This document summarizes a research paper about developing an authentication system for banking using implicit passwords. The proposed system uses randomly generated security questions to authenticate users, with answers provided as clickable points on an image instead of text. If the user correctly identifies the points associated with the security question, they are authenticated. The system aims to improve security over traditional username/password schemes while maintaining usability on mobile devices. Key modules described include user profile creation, generation of random authentication questions, comparing login profiles to verify identity, and allowing transactions and balance checks via SMS.