A Seminar Report

On
One Touch Multi-banking Transaction ATM System using Bio-
metric and GSM Authentication

Submitted to the University of Pune,

in the partial fulfillment of the requirements
for the award of the Degree of
THIRD YEAR COMPUTER
ENGINEERING

By
Ms. Shivani Lingwat
GUIDED BY
Mrs. Madhuri Pagale

For the Academic Year

2018- 2019.

Department of Computer Engineering

Pimpri Chinchwad College of Engineering and
Research, Pune 412101
[2018-19]
 PIMPRI CHINCHWAD EDUCATION TRUST’S

Pimpri Chinchwad College of Engineering and

Research, Pune 412101

CERTIFICATE
This is to certify that the seminar report entitled
One Touch Multi-banking Transaction ATM System using
Biometric and GSM Authentication

Submitted by
Ms. Shivani Lingwat

Have successfully completed the seminar entitled “One Touch Multi-

banking Transaction ATM System using Biometric and GSM Authenti
-cation” in the fulfillment of T. E. (Computer Engineering) and this
work has been carried out in my presence.
Date :
Place :

Mrs. Madhuri Pagale Prof. Archana Chaugule

Assistant Professor, HOD (Computer Department)
Department of Computer Engg PCCOER, Ravet

Prof. Dr. Tiwari H.U.

Principal,
PCCOER, Ravet
 Acknowledgement

It gives me great pleasure to present seminar on “One Touch Multi-banking Transaction ATM
System using Biometric and GSM Authentication” . In preparing this report number of hands
helped me directly and indirectly. Therefore it becomes my duty to express my gratitude to-
wards them.
I am very much obliged to subject guide Prof. Madhuri Pagale in Computer Engineering
Department, for helping me and giving me proper guidance. I will fail in my duty if I won’t
acknowledge a great sense of gratitude to the Head of Department Prof. Archana Chaugule
and the entire staff members in for their cooperation.
I am also thankful to my family for their whole hearted blessings are always for me support and
constant encouragement towards the fulfillment of the work. I wish to record the help extended
to be my friends in all possible ways and active support and constant encouragement.

Place :Ravet, Pune Ms. Shivani Lingwat (TE-38)

Date : 28/03/2019
Abstract:
Every individuals has multiple bank accounts in different banks, people’s need to carry multi-
ple ATM cards for transaction, there may be different PINs for every account. In traditional
system, ATM terminal customer recognition systems only rely on bank cards, security pin num-
ber, and such identity verification methods which measures are not perfect and functions are
too single and at times there are incidents where we forget ours security PIN number, lose our
cards, cards get stolen, stolen PIN numbers. To overcome the bugs in traditional ATM sys-
tem, introducing a new ATM terminal customer recognition system, “One touch Multi-banking
Transaction system using Biometric and GSM Authentication” . Biometric based fingerprint au-
thentication technique is one of the most secure systems, unauthorized accesses are restricted,
as this makes fingerprint a unique identification for everyone. This system also assures a se-
cure GSM (OTP-One time Password) based transaction. Here the proposed system has no risk
overhead in managing multiple account transactions and achieves high security as compare to
the traditional ATM system.

Keywords: ATM (Automated Teller Machine), PIN (Personal Identification Num-

ber), Multi-banking, Security, Biometric authentication and GSM authentication.
Contents
1 INTRODUCTION 8
1.1 ATM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
1.2 BIOMETRIC Authentication . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
1.3 GSM Authentication . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
1.3.1 GSM Architecture . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
1.3.2 Features of GSM Module . . . . . . . . . . . . . . . . . . . . . . . . 14

2 MOTIVATION 16
2.1 ORGANIZATION OF THE REPORT . . . . . . . . . . . . . . . . . . . . . . 16

3 LITERATURE SURVEY 17
3.1 A self-banking biometric machine with fake detection applied to finger-
print and iris along with GSM technology for OTP:- . . . . . . . . . . 17
3.2 Development of stripe biometric based fingerprint authentications systems
in automated teller machine:- . . . . . . . . . . . . . . . . . . . . . . 18
3.3 Smart ATM Pin Recovery and Secured ATM Transactions Based on Fin-
gerprint Identification:- . . . . . . . . . . . . . . . . . . . . . . . . . 19
3.4 Secure-PIN-Authentication-as-a-Service for ATM Using Mobile and Wear-
able Devices:- . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

4 PROPOSED SYSTEM 21
4.1 Objective of proposed system . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
4.2 Architecture . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
4.2.1 Working of Fingerprint Module . . . . . . . . . . . . . . . . . . . . . 22
4.2.2 Function of Web Services: . . . . . . . . . . . . . . . . . . . . . . . . . 24
4.2.3 Working of GSM module . . . . . . . . . . . . . . . . . . . . . . . . . 24

5 COMPARATIVE STUDY OF PAPERS 26

5.1 Paper Name: One Touch Multi-banking Transaction ATM System using Biomet-
ric and GSM Authentication . . . . . . . . . . . . . . . . . . . . . . . . . . . 26
5.2 Paper Name: Design and Implementation of Anti-theft ATM Machine using Em-
bedded Systems . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26
5.3 Paper Name: Secure PIN Authentication using QR code . . . . . . . . . . . . . 27
5.3.1. Registration via bank’s SPAQ website: . . . . . . . . . . . . . . . . . . 27
 5.3.2. Secure Authentication via SPAQ app : . . . . . . . . . . . . . . . . . . 28
5.3.3. Generation of One-Time PIN The OTP is encrypted in the QR code: . . . 28
5.4 Paper Name: Smart ATM Pin Recovery and Secured ATM Transactions Based
on Fingerprint Identification. . . . . . . . . . . . . . . . . . . . . . . . . . . . 28

6 APPLICATIONS 30

7 ADVANTAGES 31

8 CONCLUSION 32
List of Figures
1 Fingerprint Biometric . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
2 GSM Modem . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
3 GSM Authentication . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
4 Proposed System . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
5 Biometric Fingerprint Working . . . . . . . . . . . . . . . . . . . . . . . . . . 23
List of Tables
1 Biometric Device Comparision . . . . . . . . . . . . . . . . . . . . . . . . . . 11
 One Touch Multi-banking Transaction ATM Systems 9

1 INTRODUCTION

1.1 ATM

An automated teller machine (ATM) is an electronic telecommunications device that enables

customers of financial institutions to perform financial transactions, such as cash withdrawals,

deposits, transfer funds, or obtaining account information, at any time and without the need for

direct interaction with bank staff.

ATM & self-service tills at a glance

• Withdraw cash:- You can withdraw cash at thousands of ATMs, in the UK or abroad.

• Pay-in cash or cheques:- Paying in your cash or cheques is easy with our self-service

tills.

• Get a balance or mini statement:- Need a balance or mini statement? You can request one

at an ATM.

• Pay bills or transfer money:- Set up a payment online and use an ATM to make the

payment.

• Change or unlock your PIN:- Find it hard to remember your PIN? Why not change it at

an ATM.

• Top up your mobile phone:- Need a top up? You can use an ATM to do this.
 One Touch Multi-banking Transaction ATM Systems 10

An ATM (Automated Teller Machine) is a machine that enables bank account holders to com-

plete transaction at any time without human intervention. In an ATM system customer authen-

ticate themselves by using a plastic card on which magnetic stripe is mounted known as ATM

card. The magnetic stripe carry details related to customer. Sometimes it happens that data on

magnetic can be easily destroyed by strong magnetic fields. About PINs (Personal Identifica-

tion Number), each account has distinct PINs in traditional ATM system occasionally we forget

PINs or chance to get confused or losing PIN to someone other. So the ATM card have number

of drawbacks like breaking card, losing card, stolen card, losing PIN, forgot PINs, etc. due to

such issues there are maximum chances of frauds. ATM system provides users 24 x 7 services

for performing straightforward transactions, but as the use of ATM increasing in the same ratio

fraudulent attacks on the ATM system are also increasing day by day. All the users of ATM al-

ways finding to keep their every transaction under the secure surveillance in the case of finance

still sometime security becoming major problem, While considering the ATM machines, the

main concern is physical security that focuses on ensuring restriction of access, Recognition

and Validation. As current ATM system in the market having various drawbacks because of the

ATM cards are made up of the plastic card on which a magnetic strip is mounted for storing

of a data like details of the users sometime it happens magnetic strip becomes neutral due to

strong magnetic fields also have other drawbacks like forget ours PINs, lose Our cards, cards

get stolen. Robbers make use of unauthorized card readers over the authorized card readers

to get the codes. Hackers also make use of duplicate devices to achieve the access into bank

accounts of user illegally. The traditional approach for banking transaction authentication of

user which is based upon PIN is becoming scanty now days.

 One Touch Multi-banking Transaction ATM Systems 11

1.2 BIOMETRIC Authentication

Biometric authentication is a security process that relies on the unique biological characteristics

of an individual to verify that he is who is says he is. Biometric authentication systems compare

a biometric data capture to stored, confirmed authentic data in a database. If both samples of the

biometric data match, authentication is confirmed. Typically, biometric authentication is used

to manage access to physical and digital resources such as buildings, rooms and computing

devices.

Biometric technique is based upon user’s physical attribute that is unique and permanent for

everyone. This call for the biometric systems to be integrated in traditional ATM. Biometric

identification consists of determining the identity of a person.

Figure 1: Fingerprint Biometric

The aim is to capture an item of biometric data from this person. It can be a photo of their

face, a record of their voice, or an image of their fingerprint. This data is then compared to

the biometric data of several other persons kept in a database. Biometric authentication is the

process of comparing data for the person’s characteristics to that person’s biometric "template"
 One Touch Multi-banking Transaction ATM Systems 12

in order to determine resemblance. The reference model is first store in a database or a secure

portable element like a smart card. The data stored is then compared to the person’s biometric

data to be authenticated. Biometric authentication fingerprint based system is becoming highly

popular worldwide. The uniqueness of fingerprint of every individual makes the fingerprint

recognition as the most secure system. This prevents the illegal access to the bank account of a

customer. It acts as a latch which opens only if correct key i.e. authorized fingerprint is found.

Biometric authentication has been proved its accuracy because the skin on our hands and feet

show a stream arrangement of hills on every tip of the finger which is exclusive and abiding.

Biometric Accuracy Cost Devices Social ac-

Technology required ceptability

Iris Recognition High High Camera Medium-low

Facial Recognition Medium - Low Medium Camera High

Voice Recognition Medium Medium Microphone, High

Telephone

Fingerprint High Low Scanner High

Table 1: Biometric Device Comparision

There are different techniques for biometric. They are mainly Iris Technology, facial recogni-

tion, voice recognition, fingerprint, palm technology, signature recognition, etc.

Types of biometric authentication technologies:

• Retina scans produce an image of the blood vessel pattern in the light-sensitive surface
 One Touch Multi-banking Transaction ATM Systems 13

lining the individual’s inner eye.

• Iris recognition is used to identify individuals based on unique patterns within the ring-

shaped region surrounding the pupil of the eye.

• Finger scanning, the digital version of the ink-and-paper fingerprinting process, works

with details in the pattern of raised areas and branches in a human finger image.

• Finger vein ID is based on the unique vascular pattern in an individual’s finger.

• Facial recognition systems work with numeric codes called faceprints, which identify 80

nodal points on a human face.

• Voice identification systems rely on characteristics created by the shape of the speaker’s

mouth and throat, rather than more variable conditions.

In our system we use fingerprint biometric technology/device because it provide high accuracy,

low cost as compare to other techniques or device.

1.3 GSM Authentication

GSM is a mobile communication modem; it is stands for global system for mobile commu-

nication (GSM). The idea of GSM was developed at Bell Laboratories in 1970. It is widely

used mobile communication system in the world. GSM is an open and digital cellular technol-

ogy used for transmitting mobile voice and data services operates at the 850MHz, 900MHz,

1800MHz and 1900MHz frequency bands.GSM system was developed as a digital system us-

ing time division multiple access (TDMA) technique for communication purpose. A GSM

digitizes and reduces the data, then sends it down through a channel with two different streams
 One Touch Multi-banking Transaction ATM Systems 14

of client data, each in its own particular time slot. The digital system has an ability to carry 64

kbps to 120 Mbps of data rates.

Figure 2: GSM Modem

There are various cell sizes in a GSM system such as macro, micro, pico and umbrella cells.

Each cell varies as per the implementation domain. There are five different cell sizes in a GSM

network macro, micro, pico and umbrella cells. The coverage area of each cell varies according

to the implementation environment.

1.3.1 GSM Architecture

A GSM network consists of the following components:

• A Mobile Station: It is the mobile phone which consists of the transceiver, the display

and the processor and is controlled by a SIM card operating over the network.

• Base Station Subsystem: It acts as an interface between the mobile station and the net-

work subsystem. It consists of the Base Transceiver Station which contains the radio

transceivers and handles the protocols for communication with mobiles. It also consists

of the Base Station Controller which controls the Base Transceiver station and acts as a

interface between the mobile station and mobile switching centre.

 One Touch Multi-banking Transaction ATM Systems 15

• Network Subsystem: It provides the basic network connection to the mobile stations.

The basic part of the Network Subsystem is the Mobile Service Switching Centre which

provides access to different networks like ISDN, PSTN etc. It also consists of the Home

Location Register and the Visitor Location Register which provides the call routing and

roaming capabilities of GSM. It also contains the Equipment Identity Register which

maintains an account of all the mobile equipments wherein each mobile is identified by

its own IMEI number. IMEI stands for International Mobile Equipment Identity.

1.3.2 Features of GSM Module

• Improved spectrum efficiency

• International roaming

• Compatibility with integrated services digital network (ISDN)

• Support for new services.

• SIM phonebook management

• Fixed dialing number (FDN)

• Real time clock with alarm management

• High-quality speech

• Uses encryption to make phone calls more secure

• Short message service (SMS)

Authentication is a process of exchanging information between a communications device and

the mobile network which allows the carrier or network operator to confirm the true identity of
 One Touch Multi-banking Transaction ATM Systems 16

the user (or device). This validation of the authenticity of the user or device allows a service

provider to deny service to users that cannot be identified. The authentication algorithm used

in the GSM system is contained in the subscriber identity module - SIM – card.

Figure 3: GSM Authentication

 One Touch Multi-banking Transaction ATM Systems 17

2 MOTIVATION

The security and privacy of our data are few of the important aspects when we consider our

bank accounts. It is important for them to be absolute abstract than the necessary ones to know

about it. The transaction with the accounts must also be secure and hassle free at the same time.

The main aim of proposing a card less transaction system is to be creating most secure at the

same time an effective transaction through the Automatic Teller Machine (ATM). It is also an

efficient method in case of multiple bank accounts.

2.1 ORGANIZATION OF THE REPORT

In this report we have discussed about One touch multi-banking with the help of two technolo-

gies viz. Biometric and GSM Authentication. Also we discussed about the existing systems in

literature survey, proposed system, applications, advantages and conclusion are also discussed.
 One Touch Multi-banking Transaction ATM Systems 18

3 LITERATURE SURVEY

3.1 A self-banking biometric machine with fake detection applied to fingerprint and iris
along with GSM technology for OTP:-

In this paper, two most stable physiological biometrics as a means of identification of an indi-

vidual has made the system more reliable. The OTP concept added in the system using GSM

modem further enhances the security.

The growing direct or spoofing fraudulent attacks of thieves has motivated us to focus our prime

concern on the security over money transaction. The accuracy of biometrics in identification

is increasing its usage extensively. The method proposed in this paper focuses on how the

money transaction in an ATM machine will be secured by providing personal identification by

analyzing biometrics like fingerprints and iris patterns which are known for their steadiness and

diversity. Use of biometrics provides a paperless banking environment along with the smart

ATM access. In this system the samples of the fingerprint and iris along with the registered

mobile number of the customer needs to be collected and saved in the database by the banker

if the customer is to access the ATM. The actual operation of the system begins when the

customer is to access the ATM to make a money transaction. The fingerprint and iris samples

will be captured and matched. The system will distinguish between the real legitimate trait and

fake self manufactured synthetic or reconstructed samples by comparing it with the samples

saved in the database during enrollment. After finding valid samples the system generates a

3 digit code which is received by the customer on his/her registered mobile number. This

process is carried out using a GSM modem interfaced with the ARM7. The entered OTP will

be checked, after the OTP is found valid the customer is allowed to make further transactions

otherwise the account is blocked. The ATM terminal will also be secured from fire and thieves
 One Touch Multi-banking Transaction ATM Systems 19

by including a thermistor and a tilt sensor in the system. The experiments were conducted in

real time operation by first performing enrollment and then authentication for two individuals.

3.2 Development of stripe biometric based fingerprint authentications systems in auto-

mated teller machine:-

This paper identifies a high level model for the modification of existing ATM systems to eco-

nomically incorporate fingerprint authentication system.

Access control has been a great concern in this Information and Communication Technology

(ICT) era. The need to control access to certain information and resources has been taken se-

riously by the ICT community. This paper believes that no single security method, algorithm,

key or procedure is entirely secure. Hence, a combination of multiple security compliments

is mandatory to provide a high level of protection against fraud and other threats. This paper

combines two security components which are the magnetic stripe card and fingerprint recog-

nition. It looks into the vulnerabilities of magnetic-stripe cards authentication combined with

Personal Identification Numbers (PIN) or passwords widely used on Automated Teller Ma-

chines (ATMs) today. As a result, the paper proposes a framework for user identification and

authentication in Automatic Teller Machines (ATMs) using Personal Identification Numbers

(PIN), fingerprints and magnetic stripe cards as opposed to the PIN and magnetic stripe cards

authentication method.
 One Touch Multi-banking Transaction ATM Systems 20

3.3 Smart ATM Pin Recovery and Secured ATM Transactions Based on Fingerprint
Identification:-

ATM authentication using PIN-based entry is highly susceptible to shoulder- surfing or obser-

vation attacks. In this system, we propose the Secure-PIN- Authentication, OTP-based authen-

tication service for ATMs using Mobile devices.

In existing ATM system, most often only personal identification number (PIN) is used to verify

authentic user which is not secured enough as it is very easy to copy. Sometimes thieves have a

very strong way to steal account information, that’s why biometric verification system can be a

firm solution. The objective of this paper, is to provide a more secured method using biometric

features and message authentication technique. In our proposed method, PIN verification is

combined with fingerprint recognition, to identify a customer during ATM transaction. Fin-

gerprint is verified using efficient minutiae feature extraction algorithm. To assure the security

while doing transaction through swipe machine, the client will confirm the transaction by an

approval message through GSM technology. In both cases, location will be identified through

GPS. If any illegitimate person tries to use the card it will automatically be blocked by the

system and detail information will be sent to the customer through the message. Hence, the

proposed method will provide more security by identifying and reducing the frauds.

3.4 Secure-PIN-Authentication-as-a-Service for ATM Using Mobile and Wearable Devices:-

In this paper, we propose the Secure-PIN Authentication-as-a-Service (SEPIA), a cloud-based

obfuscated PIN-based authentication service for ATMs or point-of service terminals using per-

sonal mobile or wearable devices.

 One Touch Multi-banking Transaction ATM Systems 21

Credit card fraud is a common problem in today’s world. Financial institutions have registered

major loses till today due to users being exposed of their credit card information. Shoulder-

surngorobservationattacks,including card skimming and video recording with hidden cameras

while users perform PIN-based authentication at ATM terminals is one of the common threats

for common users. Researchers have struggled to come up with secure solutions for secure

PIN authentication. However, modern day ubiquitous wearable devices, such as the Google

Glass have presented us with newer opportunities in this research area. In this paper, we pro-

pose Secure-PIN-Authentication-as-a Service(SEPIA), a secure obfuscated PIN authentication

protocol for ATM and other point-of-service terminals using cloud connected personal mobile

and wearable devices. Our approach protects the user from shoulder-surfers and partial ob-

servation attacks, and is also resistant to relay, replay, and intermediate transaction attacks. A

SEPIA user utilizes a Google Glass or a mobile device for scanning a QR code on the ter-

minal screen to prove co-location to the cloud-based server and obtain a secure PIN template

for point-of-service authentication. SEPIA ensures minimal task overhead on the user’s device

with maximal computation ofoaded to the cloud. We have implemented a proof-of-concept

prototype to perform experimental analysis and a usability study for the SEPIA architecture.
 One Touch Multi-banking Transaction ATM Systems 22

4 PROPOSED SYSTEM

Designing a system which is replacing the traditional ATM transaction system by the biometric

based fingerprint identification technique and GSM based authenticate transaction. For the

purpose of identification, customer fingerprint is required for authentication process. Everyone

has unique fingerprint. Thus human fingerprint is replacing the traditional ATM cards and PIN.

After successful authentication it gives all the distinct account list of customer and gives permit

to perform transactions on the accounts. During transaction process a control transferred to the

GSM module to execute an authentication transaction from the bank side. This overcomes the

drawbacks of the existing traditional system with enhanced security.

4.1 Objective of proposed system

• To provide access to multiple account in a single touch.

• High security based transactions.

• Provides facilities like inter and intra bank transactions.

• No need to maintain multiple cards and the PINs.

4.2 Architecture

The architecture of the proposed system depicted in Figure: 1.The working of system starts

with reading input from user as a fingerprint of user. It will be read by fingerprint scanner. The

input will be verified from the data stored in the database and gets validated.
 One Touch Multi-banking Transaction ATM Systems 23

The architecture of proposed system is divided into three different working modules,

A) Working of Fingerprint Module

B) Function of web Services

C) Working of GSM module.

The databases are stored on cloud. Web services give access to all the bank accounts of user.

Figure 4: Proposed System

4.2.1 Working of Fingerprint Module

Fingerprint scanner reads the data through the optical scanner sensor and authenticates it with

the enrolled data in the database on the cloud. If authentication is successful it provides a UID.

Using UID fetches the detail information from the bank database. On cloud we can securely
 One Touch Multi-banking Transaction ATM Systems 24

handle critical data by the use of biometric fingerprint this helps to use here cloud technology.

In author many of the optical scanner devices uses the Minutiae Algorithm because it gives

high accuracy.

Fingerprint scanner used for scanning is optical scanner. It basically performs two tasks:

• Takes the image of the fingerprint.

• Determines whether the design of new fingerprint image matches the previously stored

image.

Figure 5: Biometric Fingerprint Working

One of the key aspect or major factor which need to consider, quality of the finger image.

Factors affected to the quality of image are x Skin Conditions: - Dryness, Wetness, Dirtiness,

Temporary or Permanent Cuts, Bruises, etc. x Sensor Conditions: - Dirtiness, Noise, Size and

User cooperation. Once the fingerprint is validated the system requests web services for the
 One Touch Multi-banking Transaction ATM Systems 25

account details of the user. The details of all the bank accounts of user are displayed for the

further transaction. The following table gives the detailed information of fingerprint Scanner

devices

4.2.2 Function of Web Services:

Web services play important role of carrying data between cloud and bank database & gives it

to the machine that is used for establishing as an interface for the users.

4.2.3 Working of GSM module

The account details of user are stored on cloud in centralized manner. The account details of

all the bank accounts of account holder are displayed. User needs to select one of the bank ac-

counts for the transaction. If user wants to transfer the money or debit the money from account

he will get OTP on registered mobile number. The GSM module generates OTP for enforce

authenticate transaction from the bank side.This OTP needs to be entered for the transaction to

be carried out. Once the transaction is completed system will get back to homepage.
One Touch Multi-banking Transaction ATM Systems 26
 One Touch Multi-banking Transaction ATM Systems 27

5 COMPARATIVE STUDY OF PAPERS

5.1 Paper Name: One Touch Multi-banking Transaction ATM System us-

ing Biometric and GSM Authentication

Author: Apurva Taralekar, Gopal singh Chouhan, Rutuja Tangade, Nikhil kumar Shardoor

Methodology:

In the proposed card-less multi-banking Transaction ATM system, replaces the traditional ATM

system. It has overcome various drawbacks of the traditional system starting with manufactur-

ing of cards, handling the cards like carrying them, theft of cards, forgetting the pin, fraud calls

related to ATM card or any other. In this system we perform the verification by the use of the

biometrics technology of fingerprint recognition. The later step of authentication is completed

by GSM technology. This two level architecture of security ensures safe, secure and hassle free

transactions at all times.

5.2 Paper Name: Design and Implementation of Anti-theft ATM Machine

using Embedded Systems

Author: Raj M, Anitha Julian

Methodology:
 One Touch Multi-banking Transaction ATM Systems 28

In proposed anti-theft ATM system, comprising of the modules namely, authentication of shut-

ter lock, web enabled control, sensors and camera control. Implementation of the system is

obtained with the use of machine to machine communication technology which allows both

wireless and wired system to communicate. It implements embedded web server based on

ARM11 processor, Using Machine to Machine communication technology implementation of

the system is done. This technology is recent attraction for security purpose using embed-

ded systems to obtain ATM security. The setup is proposed for ATM security, comprising of

the modules namely, authentication of shutter lock, web enabled control, sensors and camera

control.

5.3 Paper Name: Secure PIN Authentication using QR code

Author: Abey Abraham , Alina Poly , Aishwarya T , Anju George

Methodology:

5.3.1. Registration via bank’s SPAQ website:

The user can register in the SPAQ website by providing his personal details. Upon registration,

a randomly generated password will be sent to his email. The website has further options like

update profile, reset password, block and unblock account.

 One Touch Multi-banking Transaction ATM Systems 29

5.3.2. Secure Authentication via SPAQ app :

There is absolutely no need to carry the ATM card for authentication. Once connected to the

network, the user can login to the app using his username and the password generated. Upon

successful login, he can scan the QR code generated on the ATM screen. An 8-digit OTP is

generated of which, the first 4 digits would appear on the ATM screen. The last 4 digits will be

sent to the application on scanning.

5.3.3. Generation of One-Time PIN The OTP is encrypted in the QR code:

For each user login, the QR code generated will be different; hence the PIN generated will be

different for each time. Thus, it ensures more security.

5.4 Paper Name: Smart ATM Pin Recovery and Secured ATM Transac-

tions Based on Fingerprint Identification.

Author: Ankita Shetty, Ms. Pooja Huilgol, Ms. Priyanka Kulkarni, Ms. Shravani Mahendrakar
 One Touch Multi-banking Transaction ATM Systems 30

Methodology:

The proposed methodology is based on identification of fingerprint of the ATM user. The user

inserts the ATM card and enters PIN to perform transactions. If the user enters the invalid PIN

for three times, an alert message will be sent to registered mobile number and also a pop-up

window will open on the ATM machine. The pop-up window displays the message “You have

entered wrong PIN; please give your registered fingerprint to create new PIN” . User provides

the finger impression for authentication. If fingerprint matches then the bank server will provide

flexibility for the user to create his/her new PIN on the ATM machine itself. After that user will

get message that you have successfully got new PIN. Now user can continue transactions with

this new PIN as earlier.

 One Touch Multi-banking Transaction ATM Systems 31

6 APPLICATIONS

• It is basically a system a system developed for the Automatic Teller Machine for secure

card-less one touch transactions.

• It can also be a used in any other enterprise which requires only authorized users access.

• This system gives us two levels of security which helps in data security and confidential-

ity
 One Touch Multi-banking Transaction ATM Systems 32

7 ADVANTAGES

• All the bank accounts are managed in a single finger touch thus no need to carry multiple

cards and remember their passwords.

• The problems like fraud, unlawful entry, cards getting stolen forgetting the PINs are

prevented.

• The system is using biometric instead of PIN for validation. Thus the transactions get

more secure.

• It suspends the fraud calls related to the ATM card verification and all.
 One Touch Multi-banking Transaction ATM Systems 33

8 CONCLUSION

The above proposed system replaces the traditional ATM transaction system. It has overcome

various drawbacks of the traditional system starting with manufacturing of cards, handling the

cards like carrying them, theft of cards, forgetting the pin, fraud calls related to ATM card or

any other. This system provides high security through its two layers of authentication; therefore

making all the transactions possible in just single touch.

 One Touch Multi-banking Transaction ATM Systems 34

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One Touch Multi-banking Transaction ATM Systems 36