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A Cardless Automated Teller Machine (ATM) Transaction Using Hybrid Security Approach

Authors: Okolie, C.C., *Ahiara, W.C., Nwogu, E.R.

DOI Info:


Due to the tremendous increase in the number of criminals and their activities, the Automated Teller Machine (ATM) has become insecure. This necessitated an urgent need to improve security in ATM transactions. However, the ATM systems in use today utilize no more than an access card along with either a Personal Verification Number (PIN) or fingerprint for identity verification, and so not sufficient or sophisticated enough to combat the rising security threats. For that, other attendant security techniques such as users’ mobile number, facial recognition, and One Time Password (OTP) have been integrated in this work to form a hybrid security interface to ameliorate potential security breach. To perform a transaction, a user’s face is captured and checked against a database of face images. Once there is a match, a One-Time-Password (OTP) is automatically generated and sent to the phone number associated with the bank account. This OTP is expected to be entered to complete the transaction initiated earlier. The proposed system which is made up of server and client side(frontend) application have been developed using Python Flask and React frameworks respectively. The user friendly web application designed grants access to user with authentic signature making it possible for cardless ATM transaction. Having tested the new system, it showed a promising result with high efficiency and capability while mitigating ATM security threats.

Affiliations: Department of Computer Engineering, Michael Okpara University of Agriculture Umudike, Nigeria.
Keywords: Authentication, Cardless ATM Transaction, Hybrid Security, Python Flask, OTP
Published date: 2023/12/30

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ISSN: 2635-3342 (Print)

ISSN: 2635-3350 (Online)

DOI: In progress

ISI Impact Factor: In progress

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Chemical Engineering Department, Faculty of Engineering, University of Benin, PMB 1154, Ugbowo, Benin City, Edo State, Nigeria.