A Technical Seminar Report on

ONE TOUCH MULTI BANKING TRANSACTION ATM SYSTEM

Submitted to
Jawaharlal Nehru Technological University, Hyderabad in
partial fulfillment of requirements for the award of the degree of
BACHELOR OF TECHNOLOGY

in

COMPUTER SCIENCE AND ENGINEERING(AI&ML)

By

K. MANASA (20C51A6619)

Under the guidance of

Mr.V.NARESH
ASST.PROFESSOR
Department of CSE(AI&ML)

Department of Computer Science and Engineering(AI&ML)

SAI SPURTHI INSTITUTE OF TECHNOLOGY
(Approved by AICTE, Affiliated to JNTUH)
B. GANGARAM, SATHUPALLY, KHAMMAM, TS- 507303
2023 – 2024
 SAI SPURTHI INSTITUTE OF
TECHNOLOGY
(Approved By AICTE, Affiliated to JNTU, Hyderabad)
B. GANGARAM, SATHUPALLY, KHAMMAM, TS- 507303

DEPARTMENT OF COMPUTER SCIENCE AND

ENGINEERING(AI&ML)

CERTIFICATE
This is to certify that the Technical Seminar entitled “ONE TOUCH MULTI BANKING
TRANSACTION ATM SYSTEM “ being submitted by
K.MANASA (20C51A6619)
partial fulfillment for the award of the degree of Bachelor of Technology in Computer
Science and Engineering(Artificial Intelligence & Machine Learning) affiliated to the
Jawaharlal Nehru Technological University, Hyderabad.

Internal Guide Head of the Department

Mr. V. NARESH Mr. A. SRINIVASA RAO

ASSISTANT PROFESSOR ASSOCIATE PROFESSOR

Submitted on

Examiner-1 Examiner-2 Examiner-3

 DECLARATION

I hereby declare that the seminar report entitled "ONE TOUCH MULTI BANKING
TRANSACTION ATM SYSTEM” is done in the partial fulfillment for the award of the Degree
in Bachelor of Technology in Computer Science and Engineering(Artificial Intelligence and
Machine Learning) affiliated to Jawaharlal Nehru Technological University, Hyderabad. This
seminar has not been submitted anywhere else.

K.MANASA (20C51A6619)
 ACKNOWLEDGMENT

I take this opportunity to thank all the people who have rendered their full support to my work. I

render our thanks to Dr. V. S. Ratna Kumari, Principal who encouraged me to do the

Technical seminar.

I grateful to Dr. Ch. Vijaya Kumar, Director for facilitating all the amenities required for

carrying out technical seminar.

I also thankful to Mr. A. SRINIVASA RAO , Head of the Department for providing me with

both time and amenities to make this seminar a success within the given schedule.

I also thankful to my guide Mr. V. NARESH, Assistant Professor for his valuable guidance and

encouragement given to me throughout the seminar.

I would like to thank the entire CSE(AI&ML) Department faculty, who helped us directly and

indirectly in the completion of the seminar. I sincerely thank my friends and family for their

constant motivation during the seminar.

K.MANASA (20C51A6619)
 CONTENTS

S.No NAME OF THE TOPIC PAGE NO

1. Abstract 01
2. Introduction 02-07
2.1 ATM
2.2 Biometric Authentication
2.3 GSM Authentication
2.3.1 GSM Architecture
2.3.2 Features of GSM Module
3. Motivation 08
3.1 Organization of the Report
4. Literature Survey 08-10
4.1 A self-banking biometric machine with fake detection applied to
fingerprint and iris along with GSM technology for OTP
4.2 A self-banking biometric machine with fake detection applied to
fingerprint and iris along with GSM technology for OTP
4.3 A self-banking biometric machine with fake detection applied to
fingerprint and iris along with GSM technology for OTP
4.4 Secure-PIN-Authentication-as-a Service for ATM Using Mobile
and Wearable Devices
5. Proposed System 11-13
5.1 Objective of proposed system
5.2 Architecture
5.2.1 Working of Fingerprint Module
5.2.2 Function of web services
5.2.3 Working of GSM module
6. Comparative Study of Papers 14-15
7. Applications 15
8. Advantages 16
9. Conclusion 17
10. References 18-20
 LIST OF FIGURES

S.NO FIGURE NAME PAGE NO

1 Fingerprint Biometric 3

2 GSM Modem 5

3 GSM Authentication 7

4 Proposed System 12

5 Biometric Fingerprint Working 13

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 1.ABSTRACT

In the realm of traditional banking systems, individuals often find themselves burdened
with multiple bank accounts, each requiring a separate ATM card and PIN. This plethora of cards
and PINs can lead to confusion, forgetfulness, and unfortunate incidents of card loss or theft.
Moreover, the security measures in conventional ATM terminals, primarily relying on the physical
possession of a bank card and entry of a PIN, are far from foolproof. To address these
vulnerabilities, we propose a novel solution: "One Touch Multi-Banking Transaction System using
Biometric and GSM Authentication."
This innovative system leverages biometric fingerprint authentication, one of the most secure and
reliable means of personal identification, to restrict unauthorized access. Fingerprint recognition
ensures that each user's identity is unique and provides an unparalleled level of security.
Additionally, the proposed system incorporates the use of GSM (OTP - One Time Password)
authentication, further enhancing the security of transactions. With this approach, users no longer
need to carry multiple ATM cards or remember different PINs for their various bank accounts.
Instead, they can enjoy the convenience of one-touch, biometric-based authentication, which
simplifies the process and reduces the risk of security breaches. By replacing the limitations of
traditional ATM systems with our comprehensive approach, our solution not only streamlines the
management of multiple accounts but also provides a significantly higher level of security, ensuring
a safer and more efficient banking experience for customer experiences.

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2.INTRODUCTION

2.1 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 10An ATM (Automated Teller
Machine) is a machine that enables bank account holders to complete transaction at any time
without human intervention. In an ATM system customer authenticate 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 which magnetic can be
easily destroyed by strong magnetic fields. About PINs (Personal Identification 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

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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.

2.2 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

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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"
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 a biding.

There are different techniques for biometric. They are mainly Iris Technology, facial
recognition, 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
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
80nodal 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.
2.3 GSM Authentication:
GSM is a mobile communication modem; it is stands for global system for mobile
communication (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
technology 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

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system using 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 of client data, each in its own particular time slot. The digital system has an ability to
carry 64kbps 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.
2.3.1 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.
 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

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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.
2.3.2 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 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.

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Figure 3: GSM AUTHENTICATION

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3. 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.

3.1 ORGANIZATION OF THE REPORT

This report discusses about One touch multi-banking with the help of two technologies viz.
Biometric and GSM Authentication. Also discussed about the existing systems inliterature
survey, proposed system, applications, advantages and conclusion are also discussed.

4. LITERATURE SURVEY

4.1 A self-banking biometric machine with fake detection applied to fingerprint and iris
along with GSM technology for OTP:
In this report, two most stable physiological biometrics as a means of identification of
an individual 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 report 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

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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 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.

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

mated teller machine:
This report 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 seriously by the ICT community.
This system 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 report combines two security
components which are the magnetic stripe card and fingerprint recognition. It looks into the
vulnerabilities of magnetic-stripe cards authentication combined with Personal Identification
Numbers (PIN) or passwords widely used on Automated Teller Machines (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.

4.3 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
observation attacks. In this system, it was proposed the Secure-PIN- Authentication, OTP-
based authentication 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. Fingerprint is verified
using efficient minutiae feature extraction algorithm. To assure the security while doing

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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.

4.4 Secure-PIN-Authentication-as-a-ServiceforATMUsingMobileandWearableDevices:
In this report, 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 . 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-surng or observation attacks, 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 observation attacks, and is also resistant to relay, replay, and
intermediate transaction attacks. ASEPIA user utilizes a Google Glass or a mobile device for
scanning a QR code on the terminal 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 offloaded to the cloud. Have
implemented a proof-of-concept prototype to perform experimental analysis and a usability
study for the SEPIA architecture.

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5. 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.

5.1 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.

5.2 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 validate. 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.

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Figure 4: Proposed System

5.2.1 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 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.

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

5.2.2 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.

5.2.3 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
the 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.

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6. COMPARATIVE STUDY OF PAPERS

6.1 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 manufacturing 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.
6.2 Paper Name: Design and Implementation of Anti-theft ATM Machine using
Embedded Systems
Author: Raj M, Anitha Julian Methodology: In proposed anti-theft ATM system, comprising of
the modules namely, authentication of shutter 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 onARM11 processor, Using Machine to Machine
communication technology implementation of the system is done. This technology is recent
attraction for security purpose using embeded 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.
6.3 Paper Name: Secure PIN Authentication using QR code
Author: Abey Abraham , Alina Poly , Aishwarya T , Anju George Methodology:
6.3.1. 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.
6.3.2. 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.

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6.3.3. 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.
6.4 Paper Name: Smart ATM Pin Recovery and Secured ATM Transactions Based on
Fingerprint Identification.
Author: Ankita Shetty, Ms. Pooja Huilgol, Ms. Priyanka Kulkarni, Ms. Shravani Mahendrakar
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.

7. APPLICATIONS

 It is basically a system a system developed for the Automatic Teller Machine for secure
cardless 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
confidentiality

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8. 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.

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9. CONCLUSION

The 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.

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ATM machine with OTP and facial recognition features,” International Conference On
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[3] W. A. Shier, S. N. Yanushkevich “Biometrics in Human Machine Interaction,” The Inter-

national Conference On Information and Digital Technologies 2015.

[4] http://biometrics.pbworks.com/f/comparisontable.png Last seen 02 Sept2017.

[5] Joyce Soares, A. N.Gaikwad “A Self Banking Biometric M / C with Fake Detection Ap-
plied to Fingerprint and Iris along with GSM Tech. for OTP,” International Conference on
Communication and Signal Processing, April 6-8, 2016,India.

[6] Samarth Bharadwaj, Mayank Vatsa ∗ and Richa Singh, “Biometric quality: a review of
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[7] Ekberjan Derman# 1, Y. Koray Gecici # 2, Albert Ali Salah ∗ , “SHORT TERM
FACERECOGNITION FOR AUTOMATIC TELLER MACHINE (ATM) USERS,” 978-1-
4799-3343-3/ 13 / $ 31.00 c 2013IEEE.

[8] Yun Yang , JiaMi, “ATM terminal design is based on fingerprint recognition,” 978-1-4244-
6349-7 / 10/ $ 26.00 c 201 0 IEEE.

[9] http://www.360biometrics.com/faq/fingerprint_scanners.phpLast seen 02 Sept2017

[10] https://www.bayometric.com/ fingerprint-reader-technologycomparison Last seen 02Sept

2017

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[11] http://www.biometricsolutions.com/fingerprint-recognition.html Last seen 02 Sept 2017

[12] Joyce Soares , A.N.Gaikwad, “Fingerprint and Iris Biometric Controlled Smart
BankingMachine Embedded with GSM Technology for OTP,” 2016(ICACDOT)

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