4thInternational Conference on System Modeling & Advancement in Research Trends (SMART)
College of Computing Sciences and Information Technology (CCSIT) ,Teerthanker Mahaveer University , Moradabad
A Review Paper On
ATM Machine Security With BIOMETRIC OR
Aadhar Card and OTP Password
Ankit Kumar Programmer (MCA)
College Of Computing Science And Information Technology
TMU Moradabad
Abstract- Automated Teller Machine (ATM) is the best
approach for accessing bank’s Account from anywhere at
any time. Being an electronic telecommunication device, it
helps customer to perform transactions/withdraw cash, make
deposits & transfer funds by simply touching few buttons on
screen without need for a cashier or bank teller. A survey
showed that there is no proper security in withdrawing cash
from ATM’s. There are no proper authentication methods
applied for security during ATM transactions. In this paper,
security approaches of ATM have been focused on, and has
been improved using biometric or aadhar card and OTP
Password based authentication technique i.e. face recognition
from three angles, fingerprint, eye recognition, retina and iris
recognition, etc[1]. One of the main motive of biometric or
aadhar card ATM machine is to prevent unauthorised access
means everyone cannot access the ATM means user should
present then the access the ATM otherwise not access the
Account. IF customer health is not good then Aadhar card is
the main useful card to access all information of biometric
because all these information stored in Aadhar card so the
any family member take of the customer aadhar and access
the Account. The use of biometric or Aadhar card in ATM
machine for the purpose of security. This approach in use
coming year this is very useful for customer. any member take
of customer aadhar and access the account not possible one
time password (OTP) is must need when any other person
access the account this one time password send on customer
mobile no and customer e-mail id . this OTP Password only
Valid only for 5 minutes. If customer enter this OTP
Password within 5 minutes then user can access the account
otherwise customer cannot access the account means aadhar
card with OTP code is more secure for the customer.
INTRODUCTION
In modern world, many of people are dependent
on computers for keeping major record of data.
Data are transferred in a cost-effective manner
across wide area network. ATM is one of the
automatic systems being used since 1967 by
many of us. ATM was invented by John
Shepphardbaren on June 1967 at United
Kingdom . It first came in India in 1968. Today,
many people have PIN’s and password for
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operating multiple devices like car, mobile, ATM
machines herein using PIN’s without safety
results in a major difficulty faced by customers
like usability, memorability and security .
Some people used to write their PIN and
password on some paper or diary which is not at
all secure. As, it can be easily attacked and
hacked by someone, resulting the Account holder
can suffer. With the growing sector of banking,
everyone is using ATM machines as these
machines are located in different places and the
customer can access his Account anytime
anywhere. A customer holding a bank Account
can access the Account from ATM systems by
getting a PIN or password confidentially from
bank. By scratching the ATM card into the
machine and entering PIN number, one can easily
perform transaction, transfer money, etc. PIN
number is a crucial aspect used to secure
information of customer’s Account, thus should
not be shared with others. In this regard, an
intuitive approach is to introduce biometric
authentication technique in ATM systems, i.e.,
face recognition technique from three different
angles using high resolution camera. Although
various biometric technique like- fingerprint, eye
recognition, retina and iris recognition, etc have
been devised as an authentication method for
ATM machines, still there is need to enhance the
security in ATM systems to overcome various
challenges[2]. This paper focuses on security of
ATM system i.e., how to augment security of
transaction using face recognition from three
different angles at a time means we use biometric
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 4thInternational Conference on System Modeling & Advancement in Research Trends (SMART)
College of Computing Sciences and Information Technology (CCSIT) ,Teerthanker Mahaveer University , Moradabad
technique.we can use any one of the biometric
technique if user access the account at the time of
transaction OTP code Must need. The study aims
to design a module of an ATM simulator based
on face recognition from three different angles in
order to minimize frauds associated with use of
ATM systems.
A. Advantage of ATM Card
1. No need of paper work at the time of
transaction
2. Access anywhere at any time
3. Time saving
4. Banking and finance
5. Card sharing by family and friend
B. Disadvantages of ATM Card
1. ATM card frauds
2. Use of ATM card duplicate
3. Inability to trace the wrongful users
4. ATM pin can be shared on phone or
recorded using secret cameras
I. BIOMETRIC
The word “biometric” is a Greek word that is
derived from two words- bio (life) and metric (to
measure). Biometric can be stated as measure of
behavioural and physical characteristics that are
captured and stored in database and further
compared with an instance for verification
purpose[3].
II. Biometric ATM
Security Experts says that Automatic Teller
Machine (ATM) in future will have biometric
authentication techniques to verify identities of
customer during transaction. In South America,
there are companies that have introduced
fingerprint technology as a embedded part of
ATM systems, where citizens have already
started using fingerprint in place of PIN or
Password for general identification with their ID
cards. Gregg Rowley said- “Banks will move to
smart cards and biometric . Bank has already
been moved to smart cards and now is the time to
implement biometric authentication approach in
ATM systems. Nowadays, there are devices to
perform biometric identification and
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authentication of following: fingerprint, hand,
retina, iris, face, and voice ATM more secure is a
smart card with biometrics” India is still lacking
in implementing biometric with smart card as a
safety approach. Various ideas are given by
researchers for biometric authentication
including- fingerprint, iris and retina, voice, etc.
Fingerprint approach for identification given by
Oko S. and Oruh J. (2012) not proved efficient as
when citizen will move to ATM system, fingers
may become dirty from natural environment and
will not be able to access his Account with ATM
system, since fingerprints will not match from the
one that was traced during identification.
Secondly, a iris and retina approach proposed by
Bhosale S. and Sawant B.(2012) as a
identification method, but citizens might not
want a laser beamed into their eyes for retina
scan at every time he wants to access Account
through ATM. Thus, iris and retina as
identification authentication proved inefficient.
Vibration detector sensor were also proposed as a
security system for ATM machines by Ajay
kumar M. And Bharath Kumar N.(2013). Voice
was also proposed for security in ATM systems
as a biometric with smart card. The cons were
there at the same time as two citizens can have
same voice and one can easily hack and can fraud
with another’s Account. Thus, this paper came
with an idea of face recognition technique with
Three different angles as a biometric
authentication that cannot be lost, stolen,
harmful, dirty, copied, forgotten and is always
available. Thus, biometric device is ultimate
attempt in trying to prove who you are[5].
III. Face Recognition biometric ATM
Face Recognition is a biometric scan technology.
Face Recognition includes face scan system that
can range from a high-resolution camera,
workstations, software and back-end processors.
Face scan technology is used to analyse and
capture facial characteristics such as distance
between eyes, mouth or nose, and face cut of
person. The ATM system will consist of
embedded camera in machine that will recognize
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 4thInternational Conference on System Modeling & Advancement in Research Trends (SMART)
College of Computing Sciences and Information Technology (CCSIT) ,Teerthanker Mahaveer University , Moradabad
the face standing about Two feet far in front of
system and perform matches against the facial
database. The system will usually come to a
decision in less than five seconds It is very
important that the face is at proper distance from
camera or system, at proper angle and lighting is
appropriate, otherwise distance from camera will
reduce facial size and thus resolution of image.
Facial-scan technology has unique advantage,
over all other biometrics in the area of surveilling
large groups and the ability to use pre-existing
static image .
banks in which sample of user’s characteristics
are stored as identification information. Thus,
while using ATM system, during authentication,
the user is required to provide another
Biometric Authentication process involves: the
matching of extracted feature with the sample
feature already stored in database. When user
provides a sample of same nature i.e., face scan
etc. with its PIN in ATM system, then the system
sends grid points of user’s face to database as
algorithm of numbers through a network to
server. On server side, the user’s current sample
isWorking of ATM system with biometric
authentication can also be explained using state
chart diagram. It shows the state in which an
ATM system can be at any point in time. The
diagram
sample of the user’s biometric characteristics.
Below figure shows working of biometric
authentication process .matched after decryption
and compared with the one stored in database. As
soon as, the sampled images match the current
image, the user is allowed to proceed further as
an authenticated user for transaction, deposit,
transfer, etc., else user is considered as invalid
user and session is terminated. depicts the flow
from one state to another with conditions denoted
with arrows[6].
IV. Advantage and Disadvantage of Biometric ATM
Machine
A. Advantage
 ATM is more secure when we use
biometric
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 Only authorized person can access the
Account
 Fraud person cannot access the Account
B. Disadvantage
 User should be present then access the
Account if user health not well then user
family member cannot access his
Account.
 If user accident than user can not access
his own Account.
V. Major Issues With BIOMETRIC ATM
Today major issue of ATM is security if any
person got your ATM card then the ATM
password easily access with the help of
ATM.now days a new issue become i,e duplicate
ATM card with the help of duplicate ATM card
people do the transaction if a person not
authorised then the user also access the
information.
Daily news Paper printed related to ATM issue.
If we increase the security then unauthorized
person cannot access the ATM.to overcome
this problem with the help of biometric or Aadhar
card.
If biometric mandatory at the time of transaction
of ATM then some fraud people cannot use the
ATM card in the absence of user.
But in some case user can not be present in front
of ATM machine then the user family member
cannot also access the ATM like.
1. if a person health not well then biometric not
possible
2. If person accident then biometric not
possible
VI. To Overcome This Problem With The Help Of
Aadhar Card And OTP PASSWORD
In above we discuss two main point of biometric
these two major point at the time of biometric to
overcome this type of problem user can use
Aadhar card and one time OTP password send on
customer mobile and e-mail. This OTP password
valid only for 5 minutes. If user not enter OTP
password then the transaction not success. An
Aadhar card contain all information like face
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 4thInternational Conference on System Modeling & Advancement in Research Trends (SMART)
College of Computing Sciences and Information Technology (CCSIT) ,Teerthanker Mahaveer University , Moradabad
recognition ,fingerprint, eye recognition, retina
and iris recognition, etc
All these information are stored in Aadhar card
so if a user take out Aadhar card and OTP Code
both are match than user can do the transaction.
Customer All information are also stored in
biometric or Aadhar.
When user do the transaction then all information
match if all information from the existing
database match then the transaction successfully
otherwise not success the transaction.
VII. CONCLUSION:
ATM With Biometric or Adhaar Card With OTP
Code is more secure in comparison simple
biometric system. Here the above proposed
conceptual model, it has been concluded that
biometric ATM or ATM with Aadhar card
systems with OTP code is highly secure as it
provides authentication with the information of
body part i.e., face recognition from three
different angles[6]. Biometric Authentication
with Aadhar cards With OTP Password is a
stronger method of authentication and
verification as it is uniquely bound to individuals.
It is a viable approach, as it is easy to maintain
and operate with lower cost. In this paper, a
technique for ATM system is introduced for
secure transaction using Aadhar card With OTP
Password or biometric to do the transaction.This
Technique is more secure in comparision atm
biometric system in biometric we access the
account but when OTP password option include
at the time of transaction then one security point
increase at the time of transaction if OTP
password not match then customer not access the
account.in this case biometric done by the adhaar
card.now days adhaar card is must for the humen
being.
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