Analysis of Biometric Techniques to Secure ATM Transactions

This report explores the use of biometric security measures to enhance the security of ATM transactions and protect user accounts from fraud and financial loss. It begins by introducing the problem domain, research aim, and objectives, highlighting the vulnerabilities of traditional ATM systems to phishing attacks and unauthorized access. The literature review examines various biometric recognition systems, including fingerprint scanning, face recognition, retina scanning, and others, evaluating their effectiveness in securing user accounts. The analysis and evaluation section discusses the application of biometric systems in ATM security, emphasizing the role of sensor systems in capturing biometric data. The report also acknowledges limitations in current security procedures and suggests future scope for developing alternative approaches in case of physical impairment. It concludes that biometric security procedures offer a robust solution for monitoring and securing ATM transactions, thereby preserving the confidentiality and integrity of user bank accounts. Desklib provides access to this and other solved assignments for students.

Masters in Engineering Management

Contents
1. Introduction:..................................................................................................................................2
Problem Domain:...............................................................................................................................2
Research Aim:....................................................................................................................................2
Research Objectives:.........................................................................................................................2
2. Literature Review..........................................................................................................................2
3. Analysis and Evaluation................................................................................................................4
4. Limitation:.....................................................................................................................................5
5. Future Scope:.................................................................................................................................5
6. Conclusion.....................................................................................................................................6
7. References:....................................................................................................................................6
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1. Introduction:
The Automated teller machine helps in facilitates the working operation of the bank by
providing instant cash to the users according to their requirement. It helps in managing the
load of the bank transaction. The working of the ATM machines starts with the verification
process of ATM card which is being inserted by the user. The users are provided with the
secured PIN number which is used for getting access to the bank account for carrying out
required transaction. The PIN numbers helps in preserving the confidentiality of user account
from accessing through the third party.
The bank provides the confidential code to the user for money transaction through their debit
card and credit card. The customers should take care of their PIN number. It should not be
shared with anyone to preserve it from vulnerability attack. The CVV number of the ATM
card contains security information which denies the unauthorised accessing for fraud and
forgery.
The forgery and the fraud of money can be done by the hackers. The security is the major
concern for doing transaction through the ATM machine. The rules of verification and
validation procedures should be used for preserving the confidentiality for information in
gaining access to the user account. The loss of data confidentiality and integrity of the
information can increase the risks of financial loss to the users. In this paper, we are going to
focus on the designing of ATM eye for security control over the transaction done from the
user account.
Problem Domain:
The security is the major concern for doing transaction through the ATM machine. The
sharing of PIN number with the third party can provide new opportunities to the hacker for
doing forgery and fraud. The loss of data confidentiality and integrity of the information can
increase the risks of financial loss to the users.
Research Aim:
The aim of the research is to focus on the security procedures which are designed for the
ATM security so that it can preserve the user accounts from forgery and financial loss. The
security mechanism used for securing the user transaction from the ATM machines will be
taken under consideration.
Research Objectives:
The research objectives are:
 Analysis of working of ATM machine in the current scenario
 Security controls which are used for preserving the ATM transaction from the third
party attacks
 New security procedures which are designed for keeping an eye on the transaction
from the user account.
 Use of biometric technology in preserving the transaction done through an ATM
machine
2. Literature Review
The technological and the digitization advancement in the ICT working platform give rise to
the security concern while carrying out transaction through the online medium. The phishing
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attack is the most common attack done by the hackers for hacking the confidential
information of the user account for transferring their money into their account by making use
of ATM credentials such as ATM card number, PIN number, and CVV number (Siddiqui,
2014). The users are getting influenced from the phishing pages created by the hackers and
they provide all their bank credentials related to the ATM transaction.
The facilities provided by the banks such as Net banking, ATM transaction, and online
payment are some of the data leakages access points where the hacker can get an opportunity
to retrieve the confidential information of the user. The hackers can retrieve the confidential
information of the user and can transfer the funds from the user accounts to their account
which results in big financial loss to the customers. The high security procedures are required
for resolving the complexities associated with the ATM transaction system (Yarlikas, 2009).
The procedures of verification and validation should be equipped with biometric system
which helps in preserving the transaction from the user accounts without getting matched
with the biometric recognition system of finger printing, eyes, ears, face, voice, and others.
Some of the most commonly used biometric recognition system for securing the confidential
information of the user and unauthorised control provided to the third party are finger
printing scanning system, face recognition verification system, retina scanning system, and
others. Some of them are discussed below:
Finger printing scanning system:
The fingers prints of the individuals are always remain same. It never change with the
passage of time. It is the unique identification code which can be used for securing the user
account because only the user can access their account by making use of their finger print as
a security code or password (Kirwan, Evans, Donohoe, Kilner, Lamoureux, Atkinson, and
Mackendrick, 2015). The verification and validation procedures are used for matching the
finger prints of the user with the database.
Face Recognition verification system:
The scanning of the face helps in recognizing the authenticated user to access their account.
The confidentiality of the information can be preserved. The integrity and accuracy of the
information helps in preserving from the occurrence of fraud (Cabrerizo, and Baque, 2010).
Retina scanning system:
The retina of the eye is the unique characteristics of all individual. The scanning of the retina
helps in protecting the user account from the third party attack because the computer system
will provide access to the account after doing successful matching of the retina with the
information of retina stored in its database (Cabrerizo, and Baque, 2010).
Hand scanning system:
The geometric pattern of the hand is used for preserving the confidentiality and providing
secured password to the system (Woodforth, 2017).
Recognition of the vein geometric pattern:
The geometric pattern of the vein system is the good security mechanism for providing
security control to the user account. The verification and validation procedures are used for
measuring the geometric patter of the vein system of the user hand (Das, 2014).
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Iris Recognition system:
The authentication to the user account is provided after scanning the Iris of the user eyes
(Leemput, Masson, Bigot, and Abitbol, 2013). It is a not a successful technique because the
structure of the Iris changes with the passage of time.
Voice Recognition system:
The voice recognition system is used for securing the user account from the attack of the third
party. The phrase of the sentence is used as a password which is used for analysing the voice
of the user. It does not work properly because the different user have different dialects and
pronunciation (Yassir, and Nayak, 2012). The computer works on the same pronunciation
and dialect which was getting feed into it during the programming of the system.
3. Analysis and Evaluation
The literature review helps in analysing that the application of effective biometric system is
the successful technique of preserving the user account for the third party. The security
procedures works on the sensor system for getting required information about the biometric
passwords which are used by the user for preserving their bank account from the third party
attacks (Suganya, Nithya, Sunitha, and Preethi, 2015). The following figure shows the
working of the ATM machine and biometric security control:
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The working of the ATM system by using the security procedures is described in the
following data flow diagram:
4. Limitation:
There are some gaps in the security procedures which are used for keeping an eye on the
ATM transaction. It helps in carrying out secure transmission of information for accessing the
user account. The complexities arises in the biometric security procedures when there is any
causality happen to the body part of the individual which is used for biometric recognition for
accessing user account.
5. Future Scope:
The monitoring and securing of the ATM transaction through the biometric system is the
most effective technology for preserving the confidentiality of the user bank account from the
occurrence of fraud and forgery by the third party. The alternative approach should be
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developed if in case the causality happens to the body part of the user so that they can user
their account efficiently.
6. Conclusion
It can be concluded that the transaction of the ATM machine can be effectively monitored
and kept secured by making use of biometric security procedures for accessing the user
account. The procedures of verification and validation should be equipped with biometric
system which helps in preserving the transaction from the user accounts without getting
matched with the biometric recognition system of finger printing, eyes, ears, face, voice, and
others.
7. References:
Cabrerizo, L., and Baque, A. (2010). ATM system status analysis methodology. 1st ed.
[ebook] Online. Available at:
http://www.atmseminar.org/seminarContent/seminar5/papers/p_010_MPM.pdf [Accessed 02
June, 2018].
Das, A. (2014). The art of living for ATMS in India. 1st ed. [ebook] Online. Available at:
http://www.math.iitb.ac.in/~ashish/workshop/ATM%20Technical%20Report%202014.pdf
[Accessed 02 June, 2018].
Kirwan, B., Evans, A., Donohoe, L., Kilner, A., Lamoureux, T., Atkinson, T., and
Mackendrick, H. (2015). Human factors in the ATM system design life cycle. 1st ed. [ebook]
Online. Available at:
http://atmseminarus.org/seminarContent/seminar1/papers/p_007_CDR.pdf [Accessed 02
June, 2018].
Leemput, J., Masson, C., Bigot, K., and Abitbol, M. (2013). ATM eye. 1st ed. [ebook] Online.
Available at: https://www.researchgate.net/publication/236893166_ATM_EYE [Accessed 02
June, 2018].
Siddiqui, A. (2014). Biometrics to control ATM scams: A study. 1st ed. [ebook] Online.
Available at:
https://www.researchgate.net/publication/274256399_Biometrics_to_Control_ATM_scams_
A_study [Accessed 02 June, 2018].
Suganya, T, Nithya, T., Sunitha, C., and Preethi, B. (2015). Securing ATM by image
processing- Facial Recognition authentication. International journal of scientific research
engineering and technology, 4(8). Available at: http://www.ijsret.org/pdf/121270.pdf
[Accessed 02 June, 2018].
Woodford, C. (2017). Iris Scans. 1st ed. [ebook] Online. Available at:
https://www.explainthatstuff.com/how-iris-scans-work.html [Accessed 02 June, 2018].
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Yarlikas, S. (2009). A new Automatic teller machine proposal through the analysis of ATMs
of three banks. 1st ed. [ebook] Online. Available at: https://dl.acm.org/citation.cfm?
id=1604356 [Accessed 02 June, 2018].
Yassir, A., and Nayak, S. (2012). An ATM with Biometrics. International journal of advance
research in computer science and management studies, 3(5). Available at:
http://www.ijarcsms.com/docs/paper/volume3/issue5/V3I5-0005.pdf,[Accessed 1 June,
2018].
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