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One Touch Multi-banking Transaction ATM System

Published on Apr 02, 2024


Every individuals has multiple bank accounts in di erent banks, people’s need to carry multiple ATM cards for transaction, there may be di erent PINs for every account. In traditional system, ATM terminal customer recognition systems only rely on bank cards, security pin number, 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 system, introducing a new ATM terminal customer recognition system, “One touch Multi-banking Transaction system using Biometric and GSM Authentication” . Biometric based fingerprint authentication 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 secure 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 Number), Multi-banking, Security, Biometric authentication and GSM authentication.


An 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 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 always 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.

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 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 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

Development of stripe biometric based fingerprint authentications systems in automated teller machine:-

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 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 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.

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, we propose 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 ecient 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.

Secure-PIN-Authentication-as-a-Service for ATMUsing Mobile andWearable 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 personal 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. Shouldersurngorobservationattacks, 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 propose 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. A SEPIA 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 ofoaded to the cloud. We have implemented a proof-of-concept prototype to perform experimental analysis and a usability study for the SEPIA 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.

The architecture of proposed system is divided into three di erent 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.

One Touch Multi-banking

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.

Biometric Fingerprint Working

One of the key aspect or major factor which need to consider, quality of the finger image. Factors a ected 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. The following table gives the detailed information of fingerprint Scanner devices

Design and Implementation of Anti-theft ATM Machine using Embedded Systems

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 on ARM11 processor, Using Machine to Machine communication technology implementation of the system is done. This technology is recent attraction for security purpose using embedded 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.


 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 confidentiality


 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.


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.


[1] A. K Jain, K Nandakumar, and A Nagar, “Biometric Template Security,” 2008, ACM, , DO l.10.1155/2008/579416.

[2] Mohsin Karovaliya, Saifali Karedia,Sharad Oza, Dr.D.R.Kalbande, “Enhanced Security for ATM machine with OTP and facial recognition features,” International Conference On Advanced Computing Technologies and Applications(I CATA2015).

[3] W. A. Shier, S. N. Yanushkevich “Biometrics in Human Machine Interaction,” The International Conference On Information and Digital Technologies 2015.

[4] Last seen 02 Sept2017

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

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