Securing Cardless Automated Teller Machine Transactions Using Bimodal Authentication System

2016 ◽  
Vol 11 (4) ◽  
pp. 469-488 ◽  
Author(s):  
Ameh Innocent Ameh ◽  
Olayemi Mikail Olanyi ◽  
Olumide Sunday Adewale
Keyword(s):  
Automated Teller Machine ◽  
Authentication System

scholarly journals Security Enhancement of an Automated Teller Machine Using Fingerprint and Password

2020 ◽  
Vol 26 (1) ◽  
pp. 45-50
Author(s):  
C. Nwankwo ◽  
◽  
G. Oletu ◽  
O.B. Longe
Keyword(s):  
Traditional Use ◽  
Machine System ◽  
Security Enhancement ◽  
Automatic Teller Machine ◽  
Automated Teller Machine ◽  
Authentication System ◽  
Illegal Activities

This paper focuses on how to enhanced security of Transactions in Automatic Teller Machine system using a multi-factor authentication system (Password and Fingerprint). In order to achieve security and to overcome illegal activities, shortcoming of piracy in money transactions, we propose the idea of using fingerprints of customers and password instead of traditional use of PIN number. After authorized verification, the customer will be able to proceed for transaction else after four successive wrong attempts, the ATM card will be ejected automatically and a message will be sent to the registered mobile number. The proposed system is developed to provide better security to the ATMs. Keywords— ATM, Fingerprint, PIN, Biometric.

scholarly journals ATM Shoulder-Surfing Resistant Pin Entry Using Based Pin and Base Text

2020 ◽  
pp. 01-05
Author(s):  
G. Raja ◽  
M. Bavithra
Keyword(s):  
Password Authentication ◽  
Shoulder Surfing ◽  
Automated Teller Machine ◽  
Wireless Medium ◽  
Authentication System ◽  
Base Text

The main aim of this system is to develop a secure ATM in future. In general, all the keypad based authentication system having several possibilities of password identification by means of shoulder movements. Shoulder-surfing is an attack on password authentication that has frequently been hard to defeat. This problem has come up with a new solution by following two types of proposal idea one is designing shuffled Automated Teller Machine keypad which displays the shuffled texts in the Display which confuses person who standing near you to guess the password. Another one is to develop the GSM application between the user and Automated Teller Machine counter for communicating a password via the wireless medium. If someone tries to input the old password got by shoulder surfing a message containing the location of ATM and the ATM shutter will be closed.

Customers’ Satisfaction Towards Automated Teller Machine

2011 ◽  
Vol 4 (5) ◽  
pp. 333-336
Author(s):  
Dr. R. Renuka Dr. R. Renuka ◽  
◽  
A. Paulraj A. Paulraj
Keyword(s):  
Automated Teller Machine

Use of an Adaptive Neuron Network in the Voice Authentication System

2006 ◽  
Vol 65 (5) ◽  
pp. 427-439
Author(s):  
O. N. Katkov ◽  
V. A. Pimenov ◽  
A. P. Ryzhkov
Keyword(s):  
Neuron Network ◽  
Authentication System ◽  
Adaptive Neuron ◽  
The Voice

Blacklisted Password Authentication System

2019 ◽  
Vol 7 (6) ◽  
pp. 633-635
Author(s):  
Payal . ◽  
Suman Sangwan ◽  
Arun Malik
Keyword(s):  
Password Authentication ◽  
Authentication System

COMPUTER-BASED LOCAL AREA AUTHENTICATION SYSTEM

2018 ◽  
Vol 6 (3) ◽  
pp. 1
Author(s):  
OMOROGIUWA O. S. ◽  
AZIKEN G. O. ◽  
◽  
Keyword(s):  
Local Area ◽  
Computer Based ◽  
Authentication System

PEMBUATAN PENDETEKSI OBYEK DENGAN METODE YOU ONLY LOOK ONCE (YOLO) UNTUK AUTOMATED TELLER MACHINE (ATM)

2019 ◽  
Vol 17 (1) ◽  
pp. 69-76
Author(s):  
Mohammad Shiddiq Ghozali
Keyword(s):  
Neural Network ◽  
Artificial Intelligence ◽  
Object Detection ◽  
Open Source ◽  
Automated Teller Machine

Perkembangan Teknologi Informasi dan Komunikasi begitu pesat di zaman sekarang ini. Diikuti pula dengan perkembangan di bidang Artificial Intelligence (AI) atau Kecerdasan Buatan. Di Indonesia sendiri masih belum begitu populer dikalangan masyarakat akan tetapi perusahaan-perusahaan IT berlomba-lomba menciptakan inovasi dibidang Kecerdasan Buatan dan penerapan Kecerdasan Buatan disegala aspek kehidupan. Contoh kasus di Automated Teller Machine (ATM), seringkali terjadi kejahatan di ATM seperti pengintaian nomor pin, skimming, lebanese loop dan kejahatan lainnya. Walaupun di ATM sudah terdapat CCTV akan tetapi penjahat menggunakan alat bantu untuk menutupi wajahnya seperti helm, topi, masker dan kacamata hitam. Biasanya didepan pintu masuk ATM terpampang larangan untuk tidak menggunakan helm, topi, masker dan kacamata hitam serta tidak membawa rokok. Akan tetapi larangan itu masih tetap ada yang melanggar, dikarenakan tidak ada tindak lanjut ketika seseorang menggunakan benda-benda yang dilarang dibawa kedalam ATM. Oleh karena itu penulis membuat sistem pendeteksi obyek di bidang Kecerdasan Buatan untuk mendeteksi benda-benda yang dilarang digunakan ketika berada di ATM. Salah satu metode yang digunakan untuk menciptakan Object Detection yaitu You Only Look Once (YOLO). Implementasi ide ini tersedia pada DARKNET (open source neural network). Cara kerja YOLO yaitu dengan melihat seluruh gambar sekali, kemudian melewati jaringan saraf sekali langsung mendeteksi object yang ada. Oleh karena itu disebut You Only Look Once (YOLO). Pada penelitian ini, penulis membuat sistem yang masih dalam bentuk pengembangan, sehingga menjalankannya masih menggunakan command prompt. Keywords : Automated Teller Machine (ATM), Kecerdasan Buatan, Pendeteksi Obyek, You Only Look Once (YOLO)  

Financial Innovations and Performance of Commercial Banks in Kenya

2020 ◽  
Vol 2 (2) ◽  
pp. 21-33
Author(s):  
Naomi Wanja Ireri ◽  
Gladys Kimutai
Keyword(s):  
Rural Areas ◽  
Commercial Banks ◽  
Internet Banking ◽  
Ease Of Use ◽  
Primary Data ◽  
The Internet ◽  
Mobile Banking ◽  
Good Opportunity ◽  
Financial Innovations ◽  
Automated Teller Machine

Commercial banks in Kenya have embraced alternative banking channels which represent a shift in delivery of banking and financial services since the alternative banking have become synonymous with commercial banks in Kenya. While banks have succeeded in leveraging available technology and provide alternative avenues to customers for banking services, the challenge it faces today is optimizing the usage of these channels so as to improve on their performance. The general objective of this study was to investigate the effects of financial innovations on the performance of commercial banks in Kenya. The specific objectives of the study were to examine the influence of internet banking, mobile banking, agency banking and ATM banking on the performance of commercial banks in Kenya. The study was guided by agency theory, balanced score card and diffusion of innovation theory. This study employed a descriptive research design. The study targeted44 commercial banks in Kenya as at 2017. The 16 banks which embrace all the four financial innovations from 2013 to 2017were selected using purposive sampling method. The sample size was 80 respondents who comprised of 5 senior management employees in each of the selected banks.This study used questionnaire to collect primary data from the respondents. Content analysis technique was used to analyze qualitative data collected from open ended questions in and reported in narrative form. Descriptive statistics such as mean and standard deviation were used to analyse the quantitative data. Multiple regression analysis was used to show the relationship between independent variables against dependent variable. The study revealed that internet banking, mobile banking, agency banking and ATM banking had a positive and significant effect on the performance of commercial banks. Thisstudy concludes that the banking industry has benefited tremendously from the development of the Internet. The Internet fundamentally changed the way in which banking networks are designed to meet the client demands and expectations. Mobile banking provides a good opportunity to commercial banks in Kenya to reach many mobile phone subscribers in Kenya who had remained unbanked and unreached due to limited access to bank branch networks in the country. The access to the large masses through mobile banking of the population gives banks the opportunity to grow by reaching the unbanked population. Agency banking has led to accessibility of financial service to many customer in remote areas and hence an increase in effectiveness and efficiency in service delivery. Customers are satisfied with the automated teller machine services because of ease of use, transaction cost and service security but not satisfy with automated teller machine dispense of cash. The study recommends that the public and businesses must be encouraged to use Internet banking in their daily activities, including deposits, payments and money transfers. Commercial banks in Kenya should ensure convenience and security of mobile banking through written guidelines on convenience and security of mobile banking. Commercial banks in Kenya should increase the number of agents in estates and in the rural areas. This can be done by reducing the requirements of becoming a bank agent. The banks should employ customized software that records relevant information on automated teller machine cards so that banks can establish whether unauthorized transaction has taken place or not.

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