Abstract
Several problems are encountered by cardholders at the point of sale (POS) terminal, these include; inadequate security of automated teller machine (ATM) card through theft, not remembering personal identity number (PIN) and the problem of identifying cardholder as the owner of the card, these have caused delay process in transactions and also reduce the integrity of the POS machine. The existing POS machine uses PIN-Card as an authentication process in which the security can be easily breached. This paper proffers a solution to reduce the identified problems by applying a biometric system into POS machine. Iris scan was introduced at the authentication level of the existing POS machine. A system prototype was designed to imitate a typical PIN-card based POS system that used iris recognition to improve upon the security of the POS. The developed system demonstrated a two-tier architectural structure for recognition: the identification and verification module. The verification module which focused on the enrolment, normalization, localization, extraction of features and matching of iris images obtained from CASIA database. The experimental results showed that the developed system could significantly minimize cardholder fraud at the POS machine if not totally eradicated.
Highlights
A Point of Sales (POS) is an electronic banking outlet that enables customers to complete the basic financial transactions using debit or credit cards without the aid of bank representative or teller (Ahsan, Iqbal, Hussain, & Nadeem, 2016); it is used in describing the technology a customer employed to make payment for exchange of goods and services (Alimi, Rosenberger & Vernois, 2014)
One of the major problems linked to use of credit and debit cards using POS during transactions is that the people with cards having the personal identity number (PIN) code turn into owner of that account, without any other verification means of actual account holder (Bhosale & Sawawant, 2014)
The point of sale is an electronic device used in completing financial transaction using credit/debit cards needs to be protected from all forms of security flaws which can be as a result of misappropriation of debit cards
Summary
A Point of Sales (POS) is an electronic banking outlet that enables customers to complete the basic financial transactions using debit or credit cards without the aid of bank representative or teller (Ahsan, Iqbal, Hussain, & Nadeem, 2016); it is used in describing the technology a customer employed to make payment for exchange of goods and services (Alimi, Rosenberger & Vernois, 2014). There are several authentication methods of POS like passwords, debit cards, and PINs; these are conventional approaches to POS security verification. These approaches are not generally dependable due to the fact that it can be misplaced, work out or stolen by people (Jafri & Arabnia, 2009). This technique of biometric is quite useful in situations where a large database will need to be searched for recognition while still ensuring there are minimal or no false matches (Daugman, 2009; Gale & Salankar, 2014)
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