ATM Cards Research Articles

The Implementation of Regional Policies Related to Sharia Financial Institutions in Lhokseumawe

One of the advantages of the Province of Nanggroe Aceh Darussalam is the Shari'a legal framework included in Law No. 11 of 2006 governing Aceh's administration. This study examines the role of the Indonesian Islamic Bank Lhokseumawe Area in the implementation of Qanun Number 11 of 2018 concerning Islamic Financial Institutions. Bank Syariah Indonesia (BSI) Lhokseumawe Area contributed to applying the Qanun for Islamic Financial Institutions starting from account migration, socialization of sharia products, sharia services and also signing of cooperation agreements with partners to use products from sharia banking. One of the focuses of BSI Lhokseumawe Area in the process of integrating service operational systems in the Aceh region is the customer migration process from the original bank to Bank Syariah Indonesia. This migration process can be done online through BSI Mobile or face-to-face. ATM cards, mobile and internet banking. In this process, the convenience and security of customer data are prioritized. The implementation of the qanun does not necessarily go well, there are obstacles faced in the process of implementing the qanun. Implementing Islamic financial services requires the attention and hard work of all parties and not only the bank. Stakeholders and citizens can continue to be patient and continue to encourage, and provide support to these financial institutions in correcting the weaknesses that occur so that with the presence of the Indonesian Sharia Bank, they can improve sharia economic growth and also for the benefit of the people.

Study of Financial Inclusion among Rural Household

This study examines the factor associated with financial inclusion during the time of the pandemic in rural area. Hundred sample of two states in India- 97 from Madhya Pradesh and 3 from Bihar were surveyed. Data on financial inclusion were analysed by using binary logistic regression. Finding suggest that financially inclusive have more monthly income, belong to forward caste having no ration card are more motivated towards operating bank account, having saving in the post office, avail credit loan and for less period of time, even in instalment having fixed deposit, having insurance policy that to off different types, aware of ATM use, having ATM card, having net banking facility, mobile banking facility, aware of direct cash transfer schemes, aware of no frill account, interest on bank loan, having Aadhar card which is linked with bank account, find difficulty in operating banking facility and belong to male category. This improvement occurred after 73 year of independence and had accelerated after new economic policy.

Privacy-Preserving Media Sharing with Scalable Access Control and Secure Deduplication in Cloud

In this study, role re-encryption is employed in a secure role re-encryption system to minimise data leakage and deduplication (SRRS). It also looks for evidence of ownership to see whether the user is an authorised one. This is for the sake of effectiveness. The role re encryption approach involves sharing the access key for the associated authorised user in order to access a specific file without exposing personal information. We use both the avoid use of text and digital visuals in our endeavour. Personal photographs, for example, are stored on our mobile phones, portable devices, computers, and other gadgets. As these photographs must be kept confidential, we are encrypting them. Nowadays, the text file is equally significant for users. It must be kept safe on a cloud server. Digital photographs must be safeguarded during transmission, but personal identity information such as copies of a pancard, passport, ATM card, and so on, should be stored on a single wnpc. To minimise duplication in our proposed system, we are securing the text file and picture data.

Towards Developing a 4-Level Authentication Method for Securing ATM Cards

In recent years, the rapid development of information and communication engineering has affected every aspect of human life. As a result, the manner in which banking activities are conducted has also changed. ATM cards have made banking easier worldwide; funds are easily accessed, transferred, and withdrawn without hindrances. The advancement in modern technology paved the way for the rapid increase in ATM card usage, which is directly proportional to the rate of fraud attached to it. Presently, ATM cards are seriously having security challenges, in the sense that it is only being secured by four digits ATM pin, which can be easily guessed by fraudsters. This paper discusses the current security issues faced by the users of ATM cards. It also proposes a 4-level authentication method that is solely on the use of ATM cards on POS terminals and Automated Teller Machines. In contrast, the online usage of ATM cards is being excluded. It is believed that if these levels of authentication are strictly adhered to, there will be a significant reduction in ATM cards fraud. Keywords: Automated Teller Machine, Fraud, ATM Cards, Security CISDI Journal Reference Format Onamade, A.A., Bambi, B.J. & Jenyo, I. (2022): Towards Developing a 4-Level Authentication Method for Securing ATM Cards. Computing, Information Systems, Development Informatics & Allied Research Journal. Vol 13 No 2, Pp 11-.14. dx.doi.org/10.22624/AIMS/CISDI/V13N2P2. Available online at www.isteams.net/cisdijournal

Pursuance Scrutiny of Packet Detection Procedure Applied to Network Monitoring

Abstract: Network security might be a convoluted subject, generally just made a plunge thoroughly prepared and persevered through specialists. In any case, as endlessly further individuals come wired'', an adding number of distinctions got to figure out the basics of safety during an arranged world. Network security refers to the projects and procedures in place to prevent unapproved access, misuse, modification, or forswearing of an infinitely network-accessible money vault. The approval of access to the information within an organization is governed by the organization’s leader. Some set of experiences of systems administration is incorporated, additionally as an introduction to TCP/IP and internetworking. We keep on assuming about danger activity, network entanglements, firewalls, and more unique reasons for secure systems administration predisposition. Network security begins with confirming, by and large with a username and a word. Since these needs just a single detail confirming the stoner the name — that is, the word — is usually labelled as one-factor confirmation. With two-factor verification, where the Stoneham’s also used (e.g., a security memorial or dongle,' an ATM card, or a cell phone); and with three-factorr verification, item the stoners also used (e.g., a security memorial or dongle an ATM card, or a cell phone) (e.g., a point or retinal exam).

Smart ATM Pin Recovery System Using Fingerprint Identification

Abstract— In ATM machines the user is identified by inserting an ATM card and authentication is provided by the customer entering a PIN. The PIN provided by the customer is compared with the recorded reference PIN within the bank Server. If the customer forgets the PIN after 3 trials ATM cards are blocked, to reactivate he needs to attend the bank and dothe formalities which could be a time consuming job. So fingerprint biometric is introduced to cut back this sort of error. This project aims at exploring the system to secure ATM pins and passwords with the fingerprint data specified only the legitimate user can access the pins and passwords by providing the valid fingerprint.

Al-Harz and its Applications in Contemporary Theft

The basic characteristic of this research entitled: “Al-Harz and its Applications in Contemporary Theft”, is its inclusion of both the ancient theoretical side and the contemporary practical side. It also dealt with one of the conditions of theft, that is the condition of seizing the stolen money and its suitability with the new types of foreclosure (Alhirz), which appeared recently and did not exist in those early ages, and what is the ruling in terms of applying the penalty (Had) of theft to the thief. The research has been divided into: an introduction, an introductory topic, and three main topics. The research included the concept of petty theft, the concept of Alhirz, and the conditions of theft in general, and then clarified the types of Alhirz and its controls, and the requirement of Alhirz for cutting. The study also deals with contemporary applications of theft such as stealing electricity, water, phones, computer and Internet, theft of intellectual production, credit and ATM cards. The researcher concludes the study by providing important results and recommendations.

Application of Information and Communications Technology in MFIs: Evidence from Bangladesh

This study aims to evaluate the utilization pattern of ICT services by Bangladeshi microfinance institutions (MFIs). In so doing, this exploratory study interviews the staff of 10 prominent MFIs to underscore the ICT usage pattern of the organizations. The questions focused on the usage pattern of seven aspects of digital services such as website, ATM, e-cards and mobile financial services (MFS), smartphone use, MIS, customized software for different departments, and electronic mail and file management system. The results reveal that all the organizations maintain websites and use smartphones for internal and external communications, while none incorporated the services of ATM, debit, or credit cards. Moreover, it finds that only 20 percent of the MFIs included MFS to facilitate transactions and an identical proportion of institutions have electronic mail and e-file management services for their office management. It also claims that employing management information systems (MIS) and using customized software accounts for 20% and 40%, respectively. Therefore, policymakers and microfinance organization should take the necessary steps to foster the use of digital services in the business process so that costs can be minimized to attain the principles of outreach and sustainability.

Multibanking Transaction System by One Touch

The Multi Banking System Interface is geared toward becoming a part of the future banking solution for customers who have numerous bank accounts held at a variety of financial institutions. This interface incorporates all of the established institutions and offers business solutions applicable to individual as well as corporate customers. This method functions as a standardized communication between the customers and all of the different institutions. Any customer who has accounts in multiple institutions and uses this gateway to access those accounts can immediately connect on to the Multi Banking System Interface and complete any kind of transaction they desire. The system will take care of each and every responsibility that is necessary in order to conduct transactions in a seamless manner behind the scenes. Every person has a number of ledgers that are kept apart from institutions; individuals have to carry a number of different ATM cards in order to make transactions; and each ledger may have a different PIN. In customary framework, ATM terminal client acknowledgment frameworks just depend on bank cards, security pin number, and such personality check strategies which measures are not great and capacities are excessively single and on occasion there are episodes where we overlook our own security PIN number, lose our cards, cards get taken, taken PIN numbers.

The Influence of Consumer Behavior and Product Quality on Consumer Decision Making in Selecting Dana as Financial Technology Mobile Payment Application

As technology advances and becomes more sophisticated, consumer behavior patterns shift. The presence of such events stimulates diverse corporate industries to compete to develop innovation. Businesses in the field of financial technology also use it (Fintech). DANA is a mobile payment application that supports ATM cards for online purchases. Although DANA is a new program, it is capable of adapting fast to attract users. DANA has proven to be the third most popular app in Indonesia, with the most users and the most downloads. The goal of this research is to analyze the influence of customer behavior and product quality on the selection to use DANA as a mobile payment application. This type of research is quantitative by using descriptive data analysis techniques that use multiple linear hypothesis models with a total of 400 research samples. The results obtained from this study that consumer behavior and quality product have a significant and positive effect on partial (individual) decision making. As the results of simultaneous testing (collectively) on consumer behavior and product quality to consumer decision making in choosing DANA as a mobile payment application has a significant effect and the results are accepted.

Finger Print Based ATM

In this modern world, all the people were used ATM machines to withdrawal and transfer cash. This research based on implementing Fingerprint mechanism in the ATM System. We were selected this area to increase save and secure for all customers to make easy to do the transaction. The fingerprint minutiae features are different for each human being. There is no worry of losing ATM card and no need to carry ATM card with you always. By comparing different technologies that are used for ATM security, it observes that fingerprint technology performs better and safer than other technologies. Which is making easy and secure transaction also maintaining user-friendly environment with user and ATM machine. This is most promising technology at electronic money transaction.

Sign Language Based ATM Accessing System for the Visually Impaired

Around 285 million individuals all throughout the planet are outwardly hindered and around 35 million are visually impaired. There are 3 sorts of visual impairment night visual impairment, complete visual impairment, and Color visual impairment. One of the issues they face in their routine is during ATM exchanges. Despite the fact that ATMs are recorded with Braille it doesn't totally wipe out the issues looked by dazzle individuals. But the main problem faced by them is performing monitory transaction how difficult for a blind to withdraw money form ATM and the risk in the world .Thus in order to enhance his security while withdrawing money from the ATM we plan to develop a secure environment for them , by designing sign language based ATM accessing system. Concept of real time video processing will be incorporated for the realization of the same. Further it has been noticed that they face difficulty in inserting their ATM card in the designated slot. Thus instead of using magnetic strip based card, we proposed colour coded ATM card, which allows them to access the account upon placing the card in front the camera, the same camera will be utilized to identify the gesture as their pin.

Image and Text Encrypted Data with Authorized Deduplication in Cloud

In this study, role re-encryption is employed in a secure role re-encryption system to minimize data leakage and deduplication. It also looks for evidence of ownership to see whether the user is an authorized one. This is for the sake of effectiveness. The role re-encryption approach involves sharing the access key for the associated authorized user in order to access a specific file without exposing personal information. We use both the avoid use of text and digital visuals in our endeavour. Personal photographs, for example, are stored on our mobile phones, portable devices, computers, and other gadgets. As these photographs must be kept confidential, we are encrypting them. Nowadays, the text file is equally significant for users. It must be kept safe on a cloud server. Digital photographs must be safeguarded during transmission, but personal identity information such as copies of a pan card, passport, ATM card, and so on, should be stored on a single wnpc. To minimize duplication in our proposed system, we are securing the text file and picture data.

Ensuring Security of Ecommerce Online Payment Systems

Nowadays E-commerce is important because most businesses are done online. Examples of e-commerce are Alibaba express, Amazon…etc. As businesses are done on e-commerce, many transactions are done so it is important to provide security. There are three main security issues relevant to doing business online: verifying the identity of the person through which doing business, ensuring that messages sends and received have not been tampered performed. Cryptography is about constructing and analyzing protocols that overcome the influence of adversaries and which are related to various aspects in information security such as data confidentiality, data integrity, authentication, and non-repudiation, Application of cryptography include ATM cards, computer passwords, and electronic commerce. The aim is to study the security of different online payment systems, the threats to which users are exposed and some solutions to strengthen the security. Keywords: e-commerce security-integrity, authenticity, confidentiality, privacy, availability DOI: 10.7176/CEIS/13-2-02 Publication date: March 31 st 2022

Examining the Roles of Automatic Teller Machines in Banking Services Delivery in Tanzania: A Case of Commercial Banks in the Mwanza City, Tanzania

The study was conducted in Mwanza region to assess the roles of information and communication technologies to effective and convenient bank services delivery in Tanzania. Specifically, the study analysed the infrastructures, updated information technology, adequate security system and performance of ATM technology on banking service delivery. The study used exploratory research design and it was carried out in commercial banks found in Ilemela and Nyamagana administrative districts of Mwanza region. Convenient and purposive sampling were adopted to select participants with undisputed knowledge on ICT banking. The sample of 215 bank customers, 52 bank employees and 2 representatives from the regulatory bodies were involved in this study. The data were collected by using observation, interview and questionnaires tools. Data was analysed statistically using the Inferential statistics with an aid of SPSS. According to findings 62.8% of all respondents, own ATM cards and 34.6% and 76.6% of all respondents agreed that ATM is useful in banking services delivery, 92.9% of respondents that ATM services are convenient, 66.2% stated that ATM transaction costs are reasonable and fair. Also, 80.6% of respondents agreed that ATM are reliable all day and night.

A Survey on Authentication for ATM Transaction System

Abstract: In this paper, we proceed to discuss the various implications and concepts related to the hardware and software used in our proposed system of fingerprint authentication for ATM card transactions. This paper refers to many different sources based on the techniques that are being used in the system, i.e. a RFID scanner, RFID tags, a Fingerprint scanner, the Adafruit library and RESTful APIs.

Pengaruh Iklan Cash Card Terhadap Minat Mahasiswa Febi UIN Sumatera Utara

This research is motivated by increasingly rapid technologicaldevelopments, especially in the economic field, namely the paymentsystem. The card acts as a non-cash payment instrument and makesit easier for the public to make transactions or transfers betweenindividuals. This shows that people have switched from cashpayments to non-cash payments which will have an impact on thecurrent formula for money supply. Stability of money demand inpotential member states is imperative for the feasible commonmonetary policy. This study aims to determine the level of influenceof cash card advertising (atm card) on the interest of Islamiceconomics students at UIN North Sumatra and to determine whetheror not there is an effect of cash card advertising on the interests ofstudents of Febi UIN North Sumatra. The research method used is aquantitative method. Collecting data distributing respondentsIslamic economics S1 Stambuk 2019.. Research data collection usesthe questionnaire method with the Likert scale method and is givento 100 respondents. In this study, the data analysis techniques usedwere descriptive analysis and uji t using SPSS 15.0. The results ofthis study indicate that the effect of cash card advertising on theinterest of Islamic economics students at FEBI UIN North Sumatrais 15.49%. After passing several tests, it can be concluded that theeffect of cash card advertising is significant or there is a positiveinfluence on student interest

Image Sketch Based Criminal Face Recognition Using Content Based Image Retrieval

Purpose: Face recognition is a geometric space recording activity that allows it to be used to distinguish the features of a face. Therefore, facial recognition can be used to identify ID cards, ATM card PINs, search for one’s committed crimes, terrorists, and other criminals whose faces were not caught by Close-Circuit Television (CCTV). Based on the face image database and by applying the Content-Base Image Retrieval method (CBIR), committed crimes can be recognized on his face. Moreover, the image segmentation technique was carried out before CBIR was applied. This work tried to recognize an individual who committed crimes based on his or her face by using sketch facial images as a query. Methods: We used an image sketch as a querybecause CCTV could not have caught the face image. The research used no less than 1,000 facial images were carried out, both normal as well asabnormal faces (with obstacles). Findings:Experiments demonstrated good enough in terms of precision and recall, which are 0,8 and 0,3 respectively, which is better than at least two previous works.The work demonstrates a precision of 80% which means retrieval of effectiveness is good enough. The 75 queries were carried out in this work to compute the precision and recall of image retrieval. Novelty: Most face recognition researchers using CBIR employed an image as a query. Furthermore, previous work still rarely applied image segmentation as well as CBIR.

PENGARUH TRANSAKSI NON TUNAI, INFLASI DAN PENERIMAAN PAJAK TERHADAP PERUMBUHAN EKONOMI DI INDONESIA

Economic growth is a development goal that every country wants to achieve, one of which is Indonesia, which is currently focus on increasing economic growth. Therefore, this study aims to analyze the effect of ATM and debit cards, electronic money, inflation and tax revenue on economic growth in Indonesia, either partially or simultaneously. This type of research uses a quantitative approach with multiple linear regression methods, data used are secondary data taken from the publications of the Central Statistics Agency, Bank Indonesia and the Ministry of Finance of the Republic of Indonesia in 2012-2018. The data in the study were processed using SPSS 26. Results of hypothesis testing showed that ATM and debit cards had a positive effect on economic growth, electronic money had a positive effect on economic growth. While inflation has no effect on economic growth and tax revenue has no effect on economic growth. Simultaneously, ATM and debit cards, electronic money, inflation and tax revenues have an effect on economic growth.

Growth and Factors Affecting the Uses of e-banking Services in India

The banking sectors and bankers have started using advanced technology to deliver banking services. In the e-banking, banks are using modern technology for banking activities and operations to provide good quality of services to their customers. This study is based on primary as well as secondary data. A five-point likert scale was used as a quantitative measure to understand consumer’s perception and factor affecting uses of e-banking services. The study found that, the uses of e-banking services like mobile banking, credit card facility and internet banking services are becoming popular in recent period and the comfortable level is higher with the ATM and debit card facility whereas customers are not comfortable while using internet banking services. The major reasons for less use of e-banking services are connectivity problem, less number of ATMs and ignorance of staff members. So, there is a need to increase infrastructure facilities and financial institutions should take initiatives for staff training and awareness related activities to increase uses of e-banking services.