Abstract
AbstractThe automated teller machine (ATM) is a handy solution for users to meet their banking needs. However, using a bank card or check card type of card during ATM cash transaction or withdraw has some drawbacks, such as being vulnerable to ATM rigging, card magnetic strips being destroyed, card manufacture and transportation costs, and taking longer to authenticate customers. This study focuses on near-field communication (NFC) card-emulation mode and fingerprint technology as cash card alternatives that can be employed at the user’s discretion. NFC requires a very short distance between the two devices (usually less than 4 cm), making it perfect for making transactions requiring important data. To collect user information, a fingerprint sensor can also be utilized instead of an NFC tag and reader. Although cash card is not mandatory for authentication, the system will nonetheless be more secure than the current approach, which uses an ATM card. This ensures high level of security during authentication.KeywordsATMCard cloningFingerprint technologySecure authenticationOTPRiggingNear-field communication
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