Two-Dimensional Hybrid Authentication for ATM Transactions

Abstract

Advancement of information technology leads toward a world with process automation to perform a task more efficiently and avail the services with ease. Banking sectors are not an exception and are moving from traditional manual banking system to an electronic entity. The basic functionality of a bank, out of many, is to deposit money into user accounts and retrieve as per account holder’s necessity. However, as time is precious, eventually account holders may not expect to spend too much time in the queue for depositing or retrieving their money. That is why the need for ATM comes into the picture to make the user’s life easier. However, it comes with some questionable possibilities for false attacks as well. Thus, a proper user authentication mechanism is needed to overcome these fraudulent activities. Our proposed method gives a new dimension to this authentication which is a hybrid version of an existing authentication system for the ATM transaction by using a Graphical pattern password along with current PIN code supplied from the bank. This Graphical password is a version, which has been invented by Google’s Android pattern unlock system. In our proposed mechanism, we combine both Graphical pattern and PIN and incorporated security to enhance reliable transactions. More specifically, the secret encryption key is generated from a PIN using the PRESENT algorithm. Finally, the ciphertext is created using digit stream from the Graphical pattern and secret encryption key. This hybrid process to detect intrusion will significantly enhance security. Our primary focus is to develop a robust and flexible user authentication system to avoid common authentication problems. The proposed approach needs no additional hardware and device dependency.