Today web is the best medium of communication in modern business. Many companies are redefining their business strategies to improve the business output. Business over internet provides the opportunity to customers and partners where their products and specific business can be found. Nowadays online business breaks the barrier of time and space as compared to the physical office. Big companies around the world are realizing that e-commerce is not just buying and selling over Internet, rather it improves the efficiency to compete with other giants in the market. For this purpose data mining sometimes called as knowledge discovery is used. Web mining is data mining technique that is applied to the WWW. There are vast quantities of information available over the Internet. General TermsData mining techniques, e-commerce applications and web mining.

In the current scenario the way banking and transaction system is changing in the world, the validation, authentication and confirmation of a person is very important and should be of more concern. Authentication and verification has always been the part to worry about the security and confidentiality of the consumers. In the rapid changing environment it's not easy to maintain integrity and authenticity of persons. There is a lot of risk to losing money and identity if we lose our ATM PIN. If it is hacked by someone then we can lose entire money. To prevent all these frauds we need some foolproof security solution which we can use along with the current available technology. Biometric is one of the technologies which we can combine with the current technology. We can use fingerprints, iris scan, palm scanning along with the PIN authentication and verifications. Even we can use voice recognition also. Combination of such technologies may help in reducing the ATM frauds and hence can improve the security level of other financial transactions.

Abstract-The large number of reasonably priced computers, Internet broadband connectivity and rich education content has created a global phenomenon by which information and communication technology (ICT) has used to remodel education. E-learning can be explained as the use of available information, computational and communication technologies to assist learning practice. In the modern world, education has become more universal, and people are looking for learning with simplicity and interest. Students are looking for more interactive and attractive learning style rather than old traditional style. Using technological learning, we can enhance the education system. We can deliver quality education to students as well as we can ease and uniform the process of education by using the modern technologies and methods. In this paper, we propose a smart class model to manage the entire educational activities and hence to enhance the quality of education.

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Abstract-With the emergence of new technologies the area of education is also growing very fast. By using new innovations teaching and learning has become technically very strong. Learning is becoming tech learning or e-learning. Educators and students are getting very smart and hence study and learning is also becoming smart. Maximum available learning systems don't involve pen and paper based learning. Due to the emergence of ICTs in the learning atmosphere it doesn't indicate that our traditional education methodologies have become outdated. Smart study is such a stage which allows students continue to learn in smart way by using smart pens and papers. Using smart paper and pen the contents written on the paper can be converted into digital format. Smart study using pen and paper is helpful for practicing handwriting in same traditional manner. This paper presents a smart study platform which combines work with printed and digital contents.Keywords-E-Learning, digital contents, smart pen, smart paper, learning management IntroductionLast few years of ICT (Information and Communication Technologies) has been very innovative and had great impact on our daily life routine. Due the emergence of innovative smart phones, tablets, e-readers and other devices there is a question whether paper and pen are still has some use. Any information written on a piece of paper is static, but when it is being projected on a screen it becomes much more dynamic. The application of ICTs in the field of education has seen a huge transformation. These days paperless working style is on demand and is presenting a realistic picture. Most of the schools, colleges and universities are moving along with this approach by using smart phones, laptops, tablets, and other devices for teaching and learning purposes.