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ATM WITH AN EYE ABSTRACT There is an urgent need for improving security in banking region.

With the advent of ATM though banking became a lot easier it even became a lot vulnerable. The chances of misuse of this much hyped insecure baby product (ATM) are manifold due to the exponential growth of intelligent criminals day by day. ATM systems today use no more than an access card and PIN for identity verification. This situation is unfortunate since tremendous progress has been made in biometric identification techniques, including finger printing, facial recognition, and iris scanning. This paper proposes the development of a system that integrates Facial recognition and Iris scanning technology into the identity verification process used in ATMs. The development of such a system would serve to protect consumers and financial institutions alike from fraud and other breaches of security. INTRODUCTION The rise of technology in India has brought into force many types of equipment that aim at more customer satisfaction. ATM is one such machine which made money transactions easy for customers to bank. The other side of this improvement is the enhancement of the culprits probability to get his unauthentic share. Traditionally, security is handled by requiring the combination of a physical access card and a PIN or other password in order to access a customers account. This model invites fraudulent attempts through stolen cards, badly-chosen or automatically assigned PINs, cards with little or no encryption schemes, employees with access to nonencrypted customer account information and other points of failure.

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ATM WITH AN EYE Our paper proposes an automatic teller machine security model that would combine a physical access card, a PIN, and electronic facial recognition. By forcing the ATM to match a live image of a customers face with an image stored in a bank database that is associated with the account number, the damage to be caused by stolen cards and PINs is effectively neutralized. Only when the PIN matches the account and the live image and stored image match would a user be considered fully verified. A system can examine just the eyes, or the eyes nose and mouth, or ears, nose, mouth and eyebrows, and so on. In this paper , we will also look into an automatic teller machine security model providing the customers a cardless, password-free way to get their money out of an ATM. Just step up to the camera while your eye is scanned. The iris -- the colored part of the eye the camera will be checking -- is unique to every person, more so than fingerprints. 2. LITERATURE REVIEW For most of the past ten years, the majority of ATMs used worldwide ran under IBMs now-defunct OS/2. However, IBM hasnt issued a major update to the operating system in over six years. Movement in the banking world is now going in two directions: Windows and Linux. NCR, a leading world-wide ATM manufacturer, recently announced an agreement to use Windows XP Embedded in its next generation of personalized ATMs (crmdaily.com.) Windows XP Embedded allows

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ATM WITH AN EYE OEMs to pick and choose from the thousands of components that make up Windows XP Professional, including integrated multimedia, networking and database management functionality. This makes the use of off-the-shelf facial recognition code more desirable because it could easily be compiled for the Windows XP environment and the networking and database tools will already be in place. For less powerful ATMs, KAL, a software development company based in Scotland, provides Kalignite CE, which is a modification of the Windows CE platform. This allows developers that target older machines to more easily develop complex user-interaction systems . Many financial institutions are relying on a third choice, Windows NT, because of its stability and maturity as a platform. On an alternative front, the largest bank in the south of Brazil, Banrisul, has installed a custom version of Linux in its set of two thousand ATMs, replacing legacy MS-DOS systems. The ATMs send database requests to bank servers which do the bulk of transaction processing (linux.org.) This model would also work well for the proposed system if the ATMs processors were not powerful enough to quickly perform the facial recognition algorithms. In terms of the improvement of security standards, MasterCard is spearheading

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ATM WITH AN EYE an effort to heighten the encryption used at ATMs. For the past few decades, many machines have used the Data Encryption Standard developed by IBM in the mid 1970s that uses a 56-bit key. DES has been shown to be rather easily cracked, however, given proper computing hardware. In recent years, a Triple DES scheme has been put forth that uses three such keys, for an effective 168bit key length. MasterCard now requires new or relocated ATMs to use the Triple DES scheme, and by April, 2005, both Visa and MasterCard will require that any ATM that supports their cards must use Triple DES. ATM manufacturers are now developing newer models that support Triple DES natively; such redesigns may make them more amenable to also including snapshot cameras and facial recognition software, more so than they would be in regards to retrofitting pre-existing machines . There are hundreds of proposed and actual implementations of facial recognition technology from all manner of vendors for all manner of uses. However, for the model proposed in this paper, we are interested only in the process of facial verification matching a live image to a predefined image to verify a claim of identity not in the process of facial evaluation matching a live image to any image

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ATM WITH AN EYE in a database. Further, the environmental conditions under which the verification takes place the lighting, the imaging system, the image profile, and the processing environment would all be controlled within certain narrow limits, making hugely robust software unnecessary .One leading facial recognition algorithm class is called image template based. This method attempts to capture global features of facial images into facial templates. Neural networks, among other methods, are often used to construct these templates for later matching use. An alternative method, called geometry-based, is to explicitly examine the individual features of a face and the geometrical relationship between those features (Gross.) What must be taken into account, though, are certain key factors that may change across live images: illumination, expression, and pose (profile.) A study was recently conducted of leading recognition algorithms, notably one developed by two researchers at MIT, Baback Moghaddam and Alex Pentland, and one a commercial product from Identix called FaceIt. The MIT program is based on Principal Feature Analysis, an adaptation of template based recognition. FaceIts approach uses geometry-based local feature analysis. Both algorithms have to be

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ATM WITH AN EYE initialized by providing the locations of the eyes in the database image, from which they can create an internal representation of the normalized face. It is this representation to which future live images will be compared . In the study, it was found that both programs handled changes in illumination well. This is important because ATM use occurs day and night, with or without artificial illumination. Likewise, the programs allowed general expression changes while maintaining matching success. However, extreme expressions, such as a scream profile, or squinted eyes, dropped the recognition rates significantly. Lastly, matching profile changes worked reasonably well when the initial training image(s) were frontal, which allowed 70-80% success rates for up to 45 degrees of profile change however, 70-80% success isnt amenable to keeping ATM users content with the system. The natural conclusion to draw, then, is to take a frontal image for the bank database, and to provide a prompt to the user, verbal or otherwise, to face the camera directly when the ATM verification process is to begin, so as to avoid the need to account for profile changes. With this and other accommodations, recognition rates for verification can rise above 90%. Also worth noting is that

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ATM WITH AN EYE FaceIts local feature analysis method handled variations in the test cases slightly better than the PGA system used by the MIT researchers . Another paper shows more advantages in using local feature analysis systems. For internal representations of faces, LFA stores them topographically; that is, it maintains feature relationships explicitly. Template based systems, such as PGA, do not. The advantages of LFA are that analysis can be done on varying levels of object grouping, and that analysis methods can be independent of the topography. In other words, a system can examine just the eyes, or the eyes nose and mouth, or ears, nose, mouth and eyebrows, and so on, and that as better analysis algorithms are developed, they can fit within the data framework provided by LFA The conclusion to be drawn for this project, then, is that facial verification software is currently up to the task of providing high match rates for use in ATM transactions. What remains is to find an appropriate open-source local feature analysis facial verification program that can be used on a variety of platforms, including embedded processors, and to determine behavior protocols for the match / non-match cases. 3. OUR METHODOLOGY

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ATM WITH AN EYE The first and most important step of this project will be to locate a powerful open-source facial recognition program that uses local feature analysis and that is targeted at facial verification. This program should be compilable on multiple systems, including Linux and Windows variants, and should be customizable to the extent of allowing for variations in processing power of the machines onto which it would be deployed. We will then need to familiarize ourselves with the internal workings of the program so that we can learn its strengths and limitations. Simple testing of this program will also need to occur so that we could evaluate its effectiveness. Several sample images will be taken of several individuals to be used as test cases one each for account images, and several each for live images, each of which would vary pose, lighting conditions, and expressions. Once a final program is chosen, we will develop a simple ATM black box program. This program will server as the theoretical ATM with which the facial recognition software will interact. It will take in a name and password, and then look in a folder for an image that is associated with that name. It will then take in an image from a separate folder of live images and use the facial recognition program

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ATM WITH AN EYE to generate a match level between the two. Finally it will use the match level to decide whether or not to allow access, at which point it will terminate. All of this will be necessary, of course, because we will not have access to an actual ATM or its software. Both pieces of software will be compiled and run on a Windows XP and a Linux system. Once they are both functioning properly, they will be tweaked as much as possible to increase performance (decreasing the time spent matching) and to decrease memory footprint. Following that, the black boxes will be broken into two components a server and a client to be used in a two-machine network. The client code will act as a user interface, passing all input data to the server code, which will handle the calls to the facial recognition software, further reducing the memory footprint and processor load required on the client end. In this sense, the thin client architecture of many ATMs will be emulated. We will then investigate the process of using the black box program to control a USB camera attached to the computer to avoid the use of the folder of live images. Lastly, it may be possible to add some sort of DES encryption to the client end to encrypt the input data and decrypt the output data from the server knowing that

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ATM WITH AN EYE this will increase the processor load, but better allowing us to gauge the time it takes to process.

ATM SYSTEMS Our ATM system would only attempt to match two (and later, a few) discrete images, searching through a large database of possible matching candidates would be unnecessary. The process would effectively become an exercise in pattern matching, which would not require a great deal of time. With appropriate lighting and robust learning software, slight variations could be accounted for in most cases. Further, a positive visual match would cause the live image to be stored in the database so that future transactions would have a broader base from which to compare if the original account image fails to provide a match thereby decreasing false negatives. When a match is made with the PIN but not the images, the bank could limit transactions in a manner agreed upon by the customer when the account was opened, and could store the image of the user for later examination by bank officials. In regards to bank employees gaining access to customer PINs for use in fraudulent transactions, this system would likewise reduce that threat to exposure to the low limit imposed by the bank and agreed to by the customer on visually unverifiable transactions. In the case of credit card use at ATMs, such a verification system would not currently be feasible without creating an overhaul for the entire credit card issuing industry, but it is possible that positive results (read: significant fraud reduction) achieved by this system might motivate such an overhaul.

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ATM WITH AN EYE The last consideration is that consumers may be wary of the privacy concerns raised by maintaining images of customers in a bank database, encrypted or otherwise, due to possible hacking attempts or employee misuse. However, one could argue that having the image compromised by a third party would have far less dire consequences than the account information itself. Furthermore, since nearly all ATMs videotape customers engaging in transactions, it is no broad leap to realize that banks already build an archive of their customer images, even if they are not necessarily grouped with account information. HISTORY The first ATMs were off-line machines, meaning money was not automatically withdrawn from an account. The bank accounts were not (at that time) connected by a computer network to the ATM. Therefore, banks were at first very exclusive about who they gave ATM privileges to. Giving them only to credit card holders (credit cards were used before ATM cards) with good banking records. In modern ATMs, customers authenticate themselves by using a plastic card with a magnetic stripe, which encodes the customer's account number, and by entering a numeric passcode called a PIN (personal identification number), which in some cases may be changed using the machine. Typically, if the number is entered incorrectly several times in a row, most ATMs will retain the card as a security precaution to prevent an unauthorised user from working out the PIN by pure guesswork..

HARDWARE AND SOFTWARE ATMs contain secure cryptoprocessors, generally within an IBM PC compatible host computer in a secure enclosure. The security of the machine relies mostly on the integrity of the secure cryptoprocessor: the host software often runs on a commodity

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ATM WITH AN EYE operating system.In-store ATMs typically connect directly to their ATM Transaction Processor via a modem over a dedicated telephone line, although the move towards Internet connections is under way. In addition, ATMs are moving away from custom circuit boards (most of which are based on Intel 8086 architecture) and into fullfledged PCs with commodity operating systems such as Windows 2000 and Linux. An example of this is Banrisul, the largest bank in the South of Brazil, which has replaced the MS-DOS operating systems in its automatic teller machines with Linux. Other platforms include RMX 86, OS/2 and Windows 98 bundled with Java. The newest ATMs use Windows XP or Windows XP embedded. RELIABILITY ATMs are generally reliable, but if they do go wrong customers will be left without cash until the following morning or whenever they can get to the bank during opening hours. Of course, not all errors are to the detriment of customers; there have been cases of machines giving out money without debiting the account, or giving out higher value notes as a result of incorrect denomination of banknote being loaded in the money cassettes. Errors that can occur may be mechanical (such as card transport mechanisms; keypads; hard disk failures); software (such as operating system; device driver; application); communications; or purely down to operator error. SECURITY Early ATM security focused on making the ATMs invulnerable to physical attack; they were effectively safes with dispenser mechanisms. ATMs are placed not only near banks, but also in locations such as malls, grocery stores, and restaurants. The other side of this improvement is the enhancement of the culprits probability to get his unauthentic share.

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ATM WITH AN EYE ATMs are a quick and convenient way to get cash. They are also public and visible, so it pays to be careful when you're making transactions. Follow these general tips for your personal safety. Stay alert. If an ATM is housed in an enclosed area, shut the entry door completely behind you. If you drive up to an ATM, keep your car doors locked and an eye on your surroundings. If you feel uneasy or sense something may be wrong while you're at an ATM, particularly at night or when you're alone, leave the area. Keep you PINconfidential. Memorize your Personal Identification Number (PIN); don't write it on your card or leave it in your wallet or purse. Keep your number to yourself. Never provide your PIN over the telephone, even if a caller identifies himself as a bank employee or police officer. Neither person would call you to obtain your number. Conduct transactions in private. Stay squarely in front of the ATM when completing your transaction so people waiting behind you won't have an opportunity to see your PIN being entered or to view any account information. Similarly, fill out your deposit/withdrawal slips privately. Dont flash your cash. If you must count your money, do it at the ATM, and place your cash into your wallet or purse before stepping away. Avoid making excessively large withdrawals. If you think you're being followed as you leave the ATM, go to a public area near other people and, if necessary, ask for help. Save receipt. Your ATM receipts provide a record of your transactions that you can later reconcile with your monthly bank statement. If you notice any discrepancies on your statement, contact your bank as soon as possible. Leaving receipts at an ATM

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ATM WITH AN EYE can also let others know how much money you've withdrawn and how much you have in your account. Guard your card. Don't lend your card or provide your PIN to others, or discuss your bank account with friendly strangers. If your card is lost or stolen, contact your bank immediately.

Immediately report any crime to the police. Contact the Department Of Public Security or your local police station for more personal safety information. FACIAL RECOGNITION

The main issues faced in developing such a model are keeping the time elapsed in the verification process to a negligible amount, allowing for an appropriate level of variation in a customers face when compared to the database image, and that credit cards which can be used at ATMs to withdraw funds are generally issued by institutions that do not have in-person contact with the customer, and hence no opportunity to acquire a photo. Because the system would only attempt to match two (and later, a few) discrete images, searching through a large database of possible matching candidates would be unnecessary. The process would effectively become an exercise in pattern matching, which would not require a great deal of time. With appropriate lighting and robust learning software, slight variations could be accounted for in most cases. Further, a positive visual match would cause the live image to be stored in the database so that future transactions would have a broader base from which to compare if the original account image fails to provide a match thereby decreasing false negatives.

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ATM WITH AN EYE When a match is made with the PIN but not the images, the bank could limit transactions in a manner agreed upon by the customer when the account was opened, and could store the image of the user for later examination by bank officials. In regards to bank employees gaining access to customer PINs for use in fraudulent transactions, this system would likewise reduce that threat to exposure to the low limit imposed by the bank and agreed to by the customer on visually unverifiable transactions. In the case of credit card use at ATMs, such a verification system would not currently be feasible without creating an overhaul for the entire credit card issuing industry, but it is possible that positive results (read: significant fraud reduction) achieved by this system might motivate such an overhaul. The last consideration is that consumers may be wary of the privacy concerns raised by maintaining images of customers in a bank database, encrypted or otherwise, due to possible hacking attempts or employee misuse. However, one could argue that having the image compromised by a third party would have far less dire consequences than the account information itself. Furthermore, since nearly all ATMs videotape customers engaging in transactions, it is no broad leap to realize that banks already build an archive of their customer images, even if they are not necessarily grouped with account information. SOFTWARE SPECIFICATION For most of the past ten years, the majority of ATMs used worldwide ran under IBMs now-defunct OS/2. However, IBM hasnt issued a major update to the operating system in over six years. Movement in the banking world is now going in two directions: Windows and Linux. NCR, a leading world-wide ATM manufacturer,

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ATM WITH AN EYE recently announced an agreement to use Windows XP Embedded in its next generation of personalized ATMs (crmdaily.com.) Windows XP Embedded allows OEMs to pick and choose from the thousands of components that make up Windows XP Professional, including integrated multimedia, networking and database management functionality. This makes the use of off-the-shelf facial recognition code more desirable because it could easily be compiled for the Windows XP environment and the networking and database tools will already be in place. Many financial institutions are relying on Windows NT, because of its stability and maturity as a platform.The ATMs send database requests to bank servers which do the bulk of transaction processing (linux.org.) This model would also work well for the proposed system if the ATMs processors were not powerful enough to quickly perform the facial recognition algorithms. SECURITY In terms of the improvement of security standards, MasterCard is spearheading an effort to heighten the encryption used at ATMs. For the past few decades, many machines have used the Data Encryption Standard developed by IBM in the mid 1970s that uses a 56-bit key. DES has been shown to be rather easily cracked, however, given proper computing hardware. In recent years, a Triple DES scheme has been put forth that uses three such keys, for an effective 168-bit key length. ATM manufacturers are now developing newer models that support Triple DES natively; such redesigns may make them more amenable to also including snapshot cameras and facial recognition software, more so than they would be in regards to retrofitting pre-existing machines .

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ATM WITH AN EYE

FACIALRECOGNITION TECHNIQUE: There are hundreds of proposed and actual implementations of facial recognition technology from all manner of vendors for all manner of uses. However, for the model proposed in this paper, we are interested only in the process of facial verification matching a live image to a predefined image to verify a claim of identity not in the process of facial evaluation matching a live image to any image in a database. Further, the environmental conditions under which the verification takes place the lighting, the imaging system, the image profile, and the processing environment would all be controlled within certain narrow limits, making hugely robust software unnecessary .One leading facial recognition algorithm class is called image template based. This method attempts to capture global features of facial images into facial templates. What must be taken into account, though, are certain key factors that may change across live images: illumination, expression, and pose (profile.)

The natural conclusion to draw, then, is to take a frontal image for the bank database, and to provide a prompt to the user, verbal or otherwise, to face the camera directly when the ATM verification process is to begin, so as to avoid the need to account for profile changes. With this and other accommodations, recognition rates for verification can rise above 90%. A system can examine just the eyes, or the eyes nose and mouth, or ears, nose, mouth and eyebrows, and so on . The conclusion to be drawn for this project, then, is that facial verification software is currently up to the task of providing high match rates for use in ATM transactions. What remains is to find an

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ATM WITH AN EYE appropriate open-source local feature analysis facial verification program that can be used on a variety of platforms, including embedded processors, and to determine behavior protocols for the match / non-match cases. OUR METHODOLOGY The first and most important step of this project will be to locate a powerful open-source facial recognition program that uses local feature analysis and that is targeted at facial verification. This program should be compilable on multiple systems, including Linux and Windows variants, and should be customizable to the extent of allowing for variations in processing power of the machines onto which it would be deployed. We will then need to familiarize ourselves with the internal workings of the program so that we can learn its strengths and limitations. Simple testing of this program will also need to occur so that we could evaluate its effectiveness. Several sample images will be taken of several individuals to be used as test cases one each for account images, and several each for live images, each of which would vary pose, lighting conditions, and expressions.

Once a final program is chosen, we will develop a simple ATM black box program. This program will server as the theoretical ATM with which the facial recognition software will interact. It will take in a name and password, and then look in a folder for an image that is associated with that name. It will then take in an image from a separate folder of live images and use the facial recognition program to generate a match level between the two. Finally it will use the match level to decide whether or not to allow access, at

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ATM WITH AN EYE which point it will terminate. All of this will be necessary, of course, because we will not have access to an actual ATM or its software. Both pieces of software will be compiled and run on a Windows XP and a Linux system. Once they are both functioning properly, they will be tweaked as much as possible to increase performance (decreasing the time spent matching) and to decrease memory footprint. Following that, the black boxes will be broken into two components a server and a client to be used in a two-machine network. The client code will act as a user interface, passing all input data to the server code, which will handle the calls to the facial recognition software, further reducing the memory footprint and processor load required on the client end. In this sense, the thin client architecture of many ATMs will be emulated. We will then investigate the process of using the black box program to control a USB camera attached to the computer to avoid the use of the folder of live images. Lastly, it may be possible to add some sort of DES encryption to the client end to encrypt the input data and decrypt the output data from the server knowing that this will increase the processor load, but better allowing us to gauge the time it takes to process. IRIS RECOGNITION: Inspite of all these security features, a new technology has been developed. Bank United of Texas became the first in the United States to offer iris recognition technology at automatic teller machines, providing the customers a cardless, password-free way to get their money out of an ATM. There's no card to show, there's no fingers to ink, no customer inconvenience or discomfort. It's just a photograph of a Bank United customer's eyes. Just step up to the www.seminarcollections.com

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ATM WITH AN EYE camera while your eye is scanned. The iris -- the colored part of the eye the camera will be checking -- is unique to every person, more so than fingerprints. And, for the customers who can't remember their personal identification number or password and scratch it on the back of their cards or somewhere that a potential thief can find, no more fear of having an account cleaned out if the card is lost or stolen. HOW THE SYSTEM WORKS. When a customer puts in a bankcard, a stereo camera locates the face, finds the eye and takes a digital image of the iris at a distance of up to three feet. The resulting computerized "iris code" is compared with one the customer will initially provide the bank. The ATM won't work if the two codes don't match. The entire process takes less than two seconds. The system works equally well with customers wearing glasses or contact lenses and at night. No special lighting is needed. The camera also does not use any kind of beam. Instead, a special lens has been developed that will not only blow up the image of the iris, but provide more detail when it does. Iris scans are much more accurate than other high-tech ID systems available that scan voices, faces and fingerprints. Scientists have identified 250 features unique to each person's iris -- compared with about 40 for fingerprints -- and it remains constant through a person's life, unlike a voice or a face. Fingerprint and hand patterns can be changed through alteration or injury. The iris is the best part of the eye to use as a identifier because there are no known diseases of the iris and eye surgery is not performed on the iris. Iris identification is the most secure, robust and stable form of identification known to man. It is far safer, faster, more secure and accurate than DNA testing. Even identical twins do not

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ATM WITH AN EYE have identical irises. The iris remains the same from 18 months after birth until five minutes after death. When the system is fully operational, a bank customer will have an iris record made for comparison when an account is opened. The bank will have the option of identifying either the left or right eye or both. It requires no intervention by the customer. They will simply get a letter telling them they no longer have to use the PIN number. And, scam artists beware, a picture of the card holder won't pass muster. The first thing the camera will check is whether the eye is pulsating. If we don't see blood flowing through your eye, you're either dead or it's a picture.

firstdata.com Retail ATM Program Triton RL5000 Model The Triton RL5000 model automatic teller machine (ATM) brings a superior level of performance, reliability and customization options to the embedded PC ATM industry. This durable ATM solution allows merchants to offer their customers the convenience of an on-site ATM, which may lead to increased customer traffic, increased sales volume and an additional revenue source. From small specialty stores to larger petroleum and convenience stores, the Triton RL5000 ATM is easily configured to meet the needs of merchants of all sizes. The Triton RL5000 ATM features the user-friendly Microsoft Windows CE 5.0 operating system and has a large capacity for storing journal records or downloading graphics for improved marketing efforts. The prominent 10.4" LCD display and sleek profile make the ATM an eye-catching component of any merchant location.

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ATM WITH AN EYE Many other on-site ATM programs can be expensive and difficult to implement, while the Triton RL5000 ATM offered by First Data is a complete ATM solution that includes installation, comprehensive training, technical support, service and reporting features. RL5000 firstdata.com 301-333 Retail ATM Program Triton RL5000 Model Features JJMonitor - 10.4" VGA color screen JJAdvertising Potential - Decals and signage - Couponing - Display graphics JJPrinter - 80mm thermal printer with graphics capabilities JJKeypad - Encrypting PIN Pad (EPP) - PCI compliant JJCommunications - Standard dial JJSmall Footprint JJBacklit Topper - Mid-topper standard increases visibility JJCard Reader - Dip standard JJADA Compliant - Americans with Disabilities Act (ADA) compliant and audio compliant JJTechnical Specs

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ATM WITH AN EYE - RISC microprocessor - Microsoft WIndows CE 5.0 - 128 MB flash memory, expandable - 128 MB RAM - Multilingual capabilities - Cassette options available JJSecurity - Electronic lock standard Benefits JJSupplementary revenue source (potential profit from ATM surcharge and/or interchange) JJHigher sales volume from more in-store purchases JJIncreased store traffic JJSuperior customer convenience JJImproved customer loyalty Dimensions Height: 64.9" (with mid-topper) Width: 16.9" Depth: 25.6" Weight: 245 lbs. Color: Bayou Bronze Operating Environment Temperature range: 10 to 40C / 50 to 104F Relative humidity: 20% to 80% non-condensing Power consumption: 2.0A @ 115 VAC at 60 Hz; 1.0A @ 230 VAC at 50 Hz A Global Leader in Electronic Commerce First Data powers the global economy by making it easy, fast and secure for people and businesses around the world to buy goods and services using virtually any form of payment. Serving millions of merchant locations and thousands of card issuers, we have the expertise and insight to help you accelerate your business. Put our

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ATM WITH AN EYE intelligence to work for you. For more information, contact your First Data Sales Representative or visit firstdata.com. 2009 First Data Corporation. All rights reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. CONCLUSION: We thus develop an ATM model that is more reliable in providing security by using facial recognition software. By keeping the time elapsed in the verification process to a negligible amount we even try to maintain the efficiency of this ATM system to a greater degree. One could argue that having the image compromised by a third party would have far less dire consequences than the account information itself. Furthermore, since nearly all ATMs videotape customers engaging in transactions, it is no broad leap to realize that banks already build an archive of their customer images, even if they are not necessarily grouped with account information. BIBILOGRAPHY: All, Anne. Triple DES dare you. ATM Marketplace.com. 19 Apr. 2002. Bone, Mike, Wayman, Dr. James L., and Blackburn, Duane. Evaluating Applications. FacialRecognition Technology for Drug Control

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ATM WITH AN EYE ONDCP International Counterdrug Technology Symposium: Facial Recognition Vendor Test. Department of Defense Counterdrug Technology Development Program Office, June 2001. Gross, Ralph, Shi, Jianbo, and Cohn, Jeffrey F. Quo vadis Face Recognition. ThirdWorkshop on Empirical Evaluation Methods in Computer Vision. Kauai: December 2001. Penev, Penio S., and Atick, Joseph J. Local Feature Analysis: A General StatisticalTheory for Object Representation. Network: Computation in Neural Systems, Vol. 7, No. 3, pp. 477-500, 1996. Wrolstad, Jay. NCR To Deploy New Microsoft OS in ATMs. CRMDailyDotCom. 29Nov. 2001

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