A Conceptual Framework for Enhancing ATM Security through Integrated Multilayer Biometric Authentication

Abstract

In recent years, the security of Automated Teller Machines (ATMs) has been a critical concern due to increasing fraud and unauthorized access incidents. This research paper presents a novel multi-layered security framework for cardless ATMs that leverages facial recognition, fingerprint scanning, and One-Time Password (OTP) verification to enhance transaction security. The proposed system aims to eliminate the vulnerabilities associated with traditional card and PIN-based authentication methods. The system operates in three stages: first, the customer's face is scanned and matched against a database to retrieve account details; second, the customer's fingerprint is scanned for authorization; and third, an OTP is sent to the customer's registered mobile device for final verification before the transaction can be completed. This multi-layered approach ensures robust security by requiring multiple forms of identification, making unauthorized access exceedingly tricky.The proposed system provides several benefits, such as improved security via biometric authentication, greater user convenience by removing the necessity for physical cards, and real-time authorization using OTP verification. Nevertheless, implementing this system also comes with challenges, including substantial initial expenses, potential privacy issues concerning biometric data, and users' need to adapt to new authentication methods.This paper delves into developing and deploying a multi-layered security system, assesses its effectiveness through simulation tests, and contrasts it with existing security protocols. The findings reveal that the proposed system significantly enhances ATM security, providing a practical solution to combat fraud and prevent unauthorized access in contemporary banking.ssThis paper examines creating and deploying a multi-layered security system, assesses its performance through simulations, and contrasts it with current security solutions. The results indicate that the proposed system markedly enhances ATM security, presenting a feasible method to guard against fraud and unauthorized access in today's banking industry.