Published on March 5, 2014
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Introduction • Biometrics refers to the automatic identification of a person based on his physiological/behavioral characteristics. • Various types of biometric systems are being used for real time identification most popular are based on face recognition and finger print matching. • 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. • Biometrics based authentication is a potential candidate to replace password-based authentication.
Current Authentication Systems Online Authentication • User Name • Password • One Time Password Bank Authentication • Token-based identification systems - Identification Cards • Signature
Issues in current ATM networks • ATM Card frauds • Use of ATM card duplicators • Card sharing by family and friends • Inability to trace the wrongful users • ATM PINs can be shared on phone or recorded using secret cameras
Biometric ATMs solve these issues & offer • Single/Multi factor Biometric Authentication: Fingerprint, Iris, Face. • Multifactor Authentication: Card + PIN + Biometrics • Online or offline Authentication using smart cards • Card less Authentication • Biometrics is combination of card or PIN
Why use Biometric ATM ? • Provides strong authentication • Can be used instead of a PIN • Hidden costs of ATM card management like card personalization, delivery, management, re-issuance, PIN generation, help-desk, and reissuance can be avoided • Ideal for Indian rural masses • It is accurate • Flexible account access allows clients to access their accounts at their convenience • Low operational cost of the ATMs will ultimately reduce Total cost of ownership (TCO).
Applications of Biometric ATM • Banking & Finance • Food coupons / Tickets / Canteen ATM • Membership Verification ATM • Transaction / Check Deposit ATM • Self Service ATM • Retail ATM
Typology of identification methods Characteristics Physiological Face Fingerprint Behavioral Hand Eye Voice Signature Keystroke
Biometric System Data Collection Transmission Signal Processing Data Storage Decision
Various Biometric Systems HAND • The three dimensional shape of a person’s hand has several advantages as an identification device. • Scanning a hand and producing a result takes 1.2seconds.It requires little space for data storage about 9 bytes which can fit easily magnetic strip credit cards.
FINGER PRINT A fingerprint scanner system has two basic jobs : • It needs to get an image of your finger. • It needs to determine whether the pattern of ridges and valleys in this image matches the pattern of ridges and valleys in pre-scanned images. • Only specific characteristics, which are unique to every fingerprint, are filtered and saved as an encrypted biometric key or mathematical representation. • No image of a fingerprint is ever saved, only a series of numbers (a binary code), which is used for verification. The algorithm cannot be reconverted to an image, so no one can duplicate your fingerprints.
ATMs of the Future • Today’s biometric scanners go far beyond basic fingerprint recognition. • In Poland and Japan, consumers are already using Hitachi's infrared scanners that capture the unique pattern of capillaries in the finger and hand. • The most secure biometric technology uses a device designed to perform an iris scan based on more than 2,000 unique measurement points. • According to developers, people and pets all over the world will be connected to a system that uses iris scan identification within the next decade.
Multibiometrics INTEGRATING FACES AND FINGER PRINTS FOR PERSONAL IDENTIFICATION An automatic personal identification system based on fingerprints or faces is often not able to meet the system performance requirements. A MULTIMODEL BIOMETRIC SYSTEM USING FINGERPRINT, FACE AND SPEECH This system takes the advantage of the capabilities of each individual biometric. It can be used to overcome some of the limitations of a single biometrics.
Pictures Biometric Reading at ATM Machines Already in use in Brazil Poland's cooperative BPS bank It's the first in Europe to install a biometric ATM allowing customers to withdraw cash simply with the touch of a fingertip.
Conclusion • Biometric tokens are the safest means of preventing ATM frauds. • The main reason for introducing biometric systems is to increase overall security. • Biometrics offers greater security and convenience than traditional methods of personal recognition. • In some applications, biometrics can replace or supplement the existing technology. In others, it is the only viable approach. • The biometric system is only one part of an overall identification or authentication process, and the other parts of that process will play an equal role in determining its effectiveness.
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