BIO METRIC ATM

8/22/2019 BIO METRIC ATM

1/23

2013

SWETA LEENA PANDA

8/1/2013

BIOMETRIC ATM


2/23

2

2

Table of Contents

1. Introduction

a) Introduction to Biometric ATM---------------------- 8

2. Literature survey

a) How are Biometric ATMs Effective?-------------------- 9

b) Biometric ATM -----------------------------------------------10

c) Micro-ATMs will perform the following functions- 11

d) Micro-ATMs Need -------------------------------------------11

e )Cash Transaction--------------------------------------------12

f )Cost Reduction-------------------------------------------------12g )Single/Multi factor Biometric Authentication-----13

h)Why we use it-------------------------------------------------13

i)where we can use it -----------------------------------------13

3. Technical Details

a)Fingerprint Scanner------------------------- 15

b)Iris Detection --------------------------------- 17

c) face recognition --------------------------------20d) Voice Recognition System ---------------------23

4. Conclusion

a)Conclusion------------------------- 26

b) Reference---------------------------27


3/23

3

3

List of Figures

Chapter page number

1. Abstract 7

2. Introduction 8

3 How are Biometric ATMs Effective? 9

4. Biometric ATM 10

5. Biometric ATM & how it works 11

6. Single/Multi factor Biometric Authentication 13

7. Requirements for Biometric ATM 14

8. Fingerprint Scanner 15

9. Iris Detection 17

10. Face recognition 20

11. Voice Recognition System 23

12. Advantages of Biometrics 25

13. Conclusion 26

14. References 27


4/23

4

4

ABSTRACT

Biometric ATM machines as it seems to be an effective way of preventing card

usage and is also a channel to expand a banks reach to the rural and illiterate

masses. Union Bank of India installed a first such Kisan ATM at Siyagangai

branch Tamil Nadu. Dena Bank has launched the Bio-metric ATMs in Gujarat.

Andhra Bank has launched mobile biometricaccess ATMs, one each for the Twin

Cities of Hyderabad and Sceunderabad. Corporation Bank has also introduced

talking biometric ATMs. These ATMs talks to the farmer in their local

languages. Present study deals with new innovative model for biometric ATMswhich replace card system by biometric technology for operating ATMs. Proposed

model provides high security in authentication which also protects service user

from unauthorized access. In this proposed model user required to authenticate

himself with biometric identification (Thumb/ Fingerprint/Iris etc.), Personal

Identity Number (PIN) and selection of bank branch from displayed list if

necessary. This proposed model is designed for the rural farmers, semi-literate

peoples. This model reduces complexity with authentication as authentication is

always with you with high security. It also saves time, cost, and efforts compared

with card based ATMs and also saves environmental pollution problem of excessnumber of plastic card.


5/23

5

5

Introduction to Biometric ATM

A biometric ATM (automatic teller machine) recognizes customer not by an

ATM card or a personal identification number (PIN), but by some aspect of his

or her own body. And banks all over the world are starting to implement thiskind of technology. In Warsaw, Poland, the bank BPS has set up such ATMs.

(Poland has become a technological leader in recent years.)

These machines have also appeared in banks throughout the Middle East,

South America and Africa. The first biometric ATM in India was installed by

ICIC in 2005, in the state of Andhara Pradesh. Today, biometric ATMs are

especially popular in the rural sections of India, where many citizens seem to

dislike and avoid technologies involving PIN numbers.

These machines are especially popular in Japan. In fact, millions of Japanese

banking customers regularly use the nation's tens of thousands of biometric

ATMs. One bank in Japan advertised this machine with the line "you are the

cash card."

In the past, biometric devices usually scanned one or more of the following

items for the purposes of identification , fingerprints , palm prints , the eye,

either the retina or the iris ,vocal patterns ,a person's signature

The latest biometric ATMs, however, examine instead the tiny veins located

just beneath the surface of skin. Everyone has his or her own unique pattern

of "micro-veins" under the fingers, and reading those veins represents a much

more efficient and accurate system than reading fingerprints. According to

studies, biometric micro-vein ATMs will only make a mistake one in

approximately one million times, which is the same rate of accuracy as the

previous champion, a machine that scans irises.


6/23

6

6

How are Biometric ATMs Effective?

Biometric ATMs are an effective theft deterrent. People can leave their

fingerprints on surfaces, and cunning thieves are able in some cases to lift

those fingerprints, reproduce them, and use the reproductions to trick

machines that read fingerprints. In some gruesome cases, it would also be

possible to cut off one more of a person's fingers and use them to fool

fingerprint-reading machines. Such a hideous process would not work with

vein-reading technology, though. Additionally, with a biometric ATM there areno cards that ATM robbers can swipe, and no PIN numbers that they could

skim. These ATMs are also helpful in the immediate aftermath of natural

disasters. Customers who may have lost their ATM cards during such

disasters would still be able to withdraw much-needed cash.


7/23

7

7

Biometric ATMs have yet to catch on in North America. Part of the reason is

that many American consumers are suspicious of the idea of turning over

their personal biometric information to a large bank or other corporation.

Could this data be sold for the purposes of advertising and data mining? What

would happen if this data were somehow stolen? It's the kind of question thatconcerns privacy advocates. Another issue is that many banks feel the ATM

systems they currently have in place work just fine, and they don't see the

need for costly upgrades in their automatic teller machine technology. There's

another issue at play. Americans on the whole have become especially

concerned with sanitation lately. Look at how many hand sanitizer dispensers

have been installed in the last ten years they've been showing up not just in

hospitals and nursing homes, but in shopping malls, restaurants, and even

churches. Remember the swine flu scare of 2009, during which Vice President

Joe Biden said on national television that he'd advise his family to avoid

commercial airplanes for fear of germs? Many people in the United States,

therefore, would have reservations about using this hands-on technology,

especially during cold and flu seasons.

Biometric ATM

Biometrics ATM offer ATM type interface along with at-least one Biometrics

capture device like Fingerprint Scanner, Iris camera, Palm/Finger Vein

scanner , Face recognition camera. They are often called Multi-Biometrics

ATM, Wall mount Biometrics ATM, Biometrics Devices / Machine. Most of the

ATM in the past have been using ID cards to identify users but with the wide

acceptance of Biometrics , a new generation of Biometrics ATM are being

deployed for wide range of applications worldwide.


8/23

8

8

Biometric ATM & how it works :-

Biometric Micro-ATMs from Bioenable are latest biometric authentication

enabled handheld device.Micro-ATMs are also known as a Point of

Transaction Terminal(PoT).pplication Biometric Micro-ATM

Micro-ATMs will primarily perform the following functions:

1. Cash withdrawal

2. Cash deposit

3. Balance inquiries

4. Remittances

Micro-ATMs Need

In the rural area it is not feasible for the banks to availing ATMs for following

reasons

1. High ATM Set up cost

2. Low Rural population

3. Transaction volume is low


9/23

9

9

4. Low transaction value

Micro ATMs from BioEnable Technology is a one stop solution for banks bring

ATM services to the unbanked rural areas in a secure manner.

Micro-ATM will be operated by the Bank appointed Business correspondents

(BC )The Bank appointed BC handle the physical currency , not like a regular

ATM machine.All transactions will require online biometric authentication

with the UIDAI authentication server in order to be processed.

This Biometric Micro ATMs will allow customers to perform basic financial

transactions using only their AADHAAR number and their fingerprint as

identity proof (along with a Bank Identification Number for inter-bank

transactions). Unlike an ATM, the cash-in / cash-out functions of the micro

ATM will be performed by an operator, thus bringing down the cost of the

device and the cost of servicing the customer. The micro ATM will support the

following financial transactions:

Cash Transaction :-

1.Cash Deposit ,Cash Withdrawal

2.Funds transfer

3.Balance inquiry for Bank Account

4.fHigh Accuracy5. Give strong authentication

6. Biometric authentication is used instead of PIN

Cost Reduction :-

Hidden costs of ATM card management like card personalization, delivery,

management, re-issuance, PIN generation, help-desk, and re-issuance can be

avoided . Suitable for Indian rural area .Flexible account access allows clientsto access their accounts at their convenience.

Single/Multi factor Biometric Authentication:-

1)Fingerprint, Iris, Face, Pal vein

2)Multifactor Authentication: Card + PIN + Biometrics


10/23

10

10

3)Online or offline Authentication using smart cards

4)Card less Authentication

5)Biometrics is combination of card or PIN

Why we use it :-

1) ATM Card frauds

2) Use of ATM card duplicators

3) Card sharing by family and friends

4) Inability to trace the wrongful users

where we can use it :-

1)Banking & Finance

2)Food coupons / Tickets / Canteen ATM

3)Membership Verification ATM

4)Transaction / Check Deposit ATM

5)Self Service ATM

Requirements for Biometric ATM :-

No Component Specification1 Processor Intel Atom processor

Z510 and US15WSystem controller

hub

2 Memory 512 MB

3 Storage 8 GB compact ,Flash

upto 32 GB


11/23

11

11

4 Display 5 inch TFT color

LCD,4-wire Resistive

touch screen with

stylus

5 Printer 2 inch high speedthermal printer

,paper roll with

57*35mm diameter

,length 13 M

6 Battery life Li-Polymer Battery,

4000mAh/8000mAh

,operating time

4hrs/8hrs7 Dimension 140*32*292 mm

8 Weight 900g

9 Operating temp. 0- 40 degree

centigrade

Fingerprint Scanner :-

enBioScanc1 Single fingerprint scanner for authentication


12/23

12

12


13/23

13

13

No Component Specification

1

Fingerprint

Sensor

NITGEN

OPU08

2 Image Size

260 (x) x 330

(y)

3

Image

Resolution

500 [PPI]

4 Image Scale 256 Level

Grayscale (8-

bit)

5Interface USB 2.0, Plug

& Play

6

Operating

Humidity

RH 10~90 %

7

Compliance

STQC Certified,KC,CE,FCC,WHQL,

RoHS, FBI (IAFIS) pliance


14/23

14

14

Iris Detection System:-

Iris detection is a process of analyzing various patterns of human iris using

iris recognition device, and storing the image in the database. To make iris

detection process work faster, iris recognition system uses certain algorithms.

Iris detection process in iris recognition device automatically detects humaniris and snaps a photo of it.

In Iris detection process, image of the iris is captured. Once captured, iris

detection system determines the outer and inner borders of iris. Iris detection

system then filters the usable structures for analysis, and calculates the iris


15/23

15

15

code which is saved into the database. Iris detection system verifies the

identity of a person by comparing the code with the one that exists in it.

BioEnable is offering Iris recognition based Time Attendance & Access control

system. Recognition ?

Iris recognition technology offer Dual or Single eye capture and automatic

identification again large databases in just 1-2 seconds.

Iris recognition is considered more secure compared to fingerprint and other

biometric technologies.

Many people have improper fingerprints that are not suitable for fingerprint

recognition systems. Iris is second best alternative to fingerprint.

Children fingerprints are difficult to scan and can go thru changes overtime,

making it not a suitable biometric identification. Iris is suitable for all ages.

Eyes are highly protected part of the body and does not go thru much changesover the complete lifespan and good for long terms biometric recognition

Iris recognition technology is worldwide used in National ID, Visa entry exit

applications


16/23

16

16

Model :-

1)Dual Eye Iris capture camera

2)10 inch spill proof touchscreen

3)Enhanced graphical user interface

4)Store upto 10000 users (2 eyes each) and over 500000 logs

5)Advanced access control mechanism with Door sensors, Fire alarm, Multiple

Door lock controls6)Optional Face Recognition & Fingerprint recognition addons

Benefits

Why we use it :-

1)High security identification

2)Touchscreen multi-lingual interface

3)Large user database

where we can use it :-

1)Time Attendance recording in offices

2)Access control at office, Banks

3)Canteen management & Food coupon system


17/23

17

17

4)Visitor management

5)Members management at events

Face recognition system :-

NAC-5000 Face is a multi-modal biometric solution enable with Fingerprint,

Face Recognition system, RFID & Password that comes with accurate and

rapid matching speed for stable Time Attendance and Door

Access control.

NAC5000 face recognition system is designed to be performed on the 5.7

inches TFT touch screen which is convenient to display the important noticeand OEM logo and user friendly interface includes R232/485, TCP/IP, and

optional WiFi and USB.

NAC5000 Face offers you enterprise level of Entry and Time Attendance

management with its LAN communication-based network infrastructure

enabling integrated monitoring and systematic management of multiple


18/23

18

18

terminals operated independently on a remote location and SDK to be easily

integrated with customers application.

5.7 inch true Color LCD with Touch Screen

-> Large LCD enable for company logo, important notice.

-> Fingerprint and Face quality display

Face Technology

-> Face Detection

-> Face Recognition-> Multi-modal enhanced security

Auto-on function with Live Finger Detection

-> Recognizes fake fingerprint

-> Silicon & rubber fingers detected, distinguished from real human fingers

-> Automatically activated when finger placed on sensor

Wireless LAN (optional)

-> Easy to install in anywhere

USB Memory Slot

-> User Information & Log data Up/Download


19/23

19

19

-> Firmware Upgrade

Built-in Camera (optional)

-> Takes picture every time log event occurs-> Face recognition

Large scale system

-> Max 2,000 terminals connected in one network

Specification - NAC5000 Face

Recognition System

CPU 32-bit / 620MHz

Memory 8MB Flash + 256 DRAM

Display 5.7inch VGA Color / Touch-screen

1:N fingerprint identification time Less than 1 sec (4,000 templates)

Fingerprint template capacity 40,000 fp. Templates

Face template capacity 3,000 templates

Log capacity up to 100,000

Network interface

TCP/IP, RS-485, Wireless LAN

(option)

PC Interface USB, RS-232

USB memory slot Supports

Camera Embedded


20/23

20

20

Fake/latent fingerprint recognition Available

Size 167 x 146 x 52 (W x H x D) mm

Certificate KCC, CE, FCC

Different models :-

NAC5000 S - Standard Model with Fingerprint & Passwords options

NAC5000 M - Model with Fingerprint, Password & Mifare 13.56Mhz Cards

options

NAC5000 R - Model with Fingerprint, Password & HID/EM Card 125Khz

options

NAC5000 Face - NAC5000 + Face Recognition (NAC5000 S Face/ NAC5000 M

Face/ NAC5000 R Face.

Voice Recognition System :-

Voice recognition is not the same as speech recognition, it is speaker recognition.

considered both physiological and behavioral. Popular and low-cost, but lessaccurate and sometimes lengthy enrollment.


21/23

21

21

Advantages of Biometrics:-

Biometric identification can provide extremely accurate, secured access to

information; fingerprints, retinal and iris scans produce absolutely uniquedata sets when done properly.

Current methods like password verification have many problems (people

write them down, they forget them, they make up easy-to-hack passwords) &

sometime our ATM cards are also missed .

Automated biometric identification can be done very rapidly and uniformly,

with in a minimum of time. Its a rapid process.

Your identity can be verified without resort to documents that may be stolen,

lost or altered.

Disadvantages of Biometric ATM :-

The finger print of those people working in Chemical industries are often

affected. Therefore these companies should not use the finger print mode of

authentication.

For people affected with diabetes, the eyes get affected resulting in

differences. Sometimes people have some eyes problems also.

Biometrics is an expensive security solution.


22/23

22

22

Conclusion

Proposed conceptual model is designed for ATM users for various transactions like

withdrawing cash, balance enquiry etc. Point of Sales (POS) machines will alsouse biometric authentication. This system requires biometric authentication (finger

print, iris recognition) which is always with user, PIN code and selection of bank

branch, which then creates virtual account (V-ID) it helps for identification and

authentication of service user. This is card less e-banking technique for ATMs,

which reduces efforts of handling, operating and various risks associated with

cards. The same and simplified procedure will be helpful for Internet, Mobile and

POS transactions. Due to unique method of authentication it reduces cost, time,

and efforts of both banks as well as service users.


23/23

23

23

References

[1] Kahate Atul (2004), Cryptography and Network Security, User Authentication

Mechanism, pp. 303-304, III rd Edition, McGraw-Hill Publications.

[2] Biometric ATMs for rural India, Chirasrota Jena,Weekly

Insight for Technology Professionals, 12, March 2007, www.

Expresscomputeronline.com, Access date 16-Dec-2011

[3] Handbook of Biometrics. Springer. pp. 122. ISBN 978-0-

387-71040-2. http://www.springer.com/computer/image+processing/book/97

8-1-4419-4375-0, access on 10-Dec-2011, 5.00pm

[4] International References:

http://www.rediff.com/money/2005/oct/11atm.htm, Access on 16- Dec- 2011,

11.00 am

[5] Jain, A., Hong, L., & Pankanti, S. (2000). "Biometric

Identification", Communications of the ACM, 43(2), p. 91-98.[6] Jain, Anil K.; Ross, Arun (2008). "Introduction to Biometrics", pp. 45-60

[7] Krause Micki, Tipton Harold F., Handbook of Information Security

Management (Imprint: Auerbach Publications) (Publisher: CRC Press LLC),

ISBN: 0849399475, http://www.ccert.edu.cn/education/cissp/hism/ewtoc.html,

data access on 13-Dec-2011, 3.50 pm

[8] Laudon Kenneth, Traver Carol Guercio, E-Commerce (2005), Second Edition ,

pp. 237-239, Pearson Education (Singapore), Pvt. Ltd.

[9] ONeil Erin, Back to the future at your local

ATM,http://banking.about.com/od/securityandsafety/a/biometricatms.htm, access

on 16-Dec-2011 at 11.45 am

[10] Pfleeger Charles P., Pfleeger Shari Lacorence, Shah Deven N. (2009),

Security in Computing, User Authentication, pp. 257-258, IVth Edition, Pearson

Publication.

[11] S.C. Bihari, e-Banking, When Convenience Banking can

Become Inconvenience, pp. 52-55, First Edition, Skylark

Publication, New Delhi

[12] S.C. Bihari, e-Banking, When Convenience Banking can Become

Inconvenience, pp. 85-91, First Edition, Skylark Publication, New Delhi

[13] http://www.indianexpress.com/news/district-gets-its-firstsolar-biometric-atm/767886/, access on date 15-Dec-2011, 1.00 pm

Date post:	08-Aug-2018
Category:	Documents
Upload:	sweta-leena-panda
View:	213 times
Download:	0 times

BIO METRIC ATM

Documents