2013

BIOMETRIC ATM

SWETA LEENA PANDA 8/1/2013

Table of Contents

1. Introduction a) Introduction to Biometric ATM---------------------- 8 2. Literature survey a) How are Biometric ATMs Effective?-------------------- 9 b) Biometric ATM -----------------------------------------------10 c) Micro-ATMs will perform the following functions- 11 d) Micro-ATMs Need -------------------------------------------11 e )Cash Transaction--------------------------------------------12 f )Cost Reduction-------------------------------------------------12 g )Single/Multi factor Biometric Authentication-----13 h)Why we use it-------------------------------------------------13 i)where we can use it -----------------------------------------13 3. Technical Details a) b) c) d) Fingerprint Scanner------------------------- 15 Iris Detection --------------------------------- 17 face recognition --------------------------------20 Voice Recognition System ---------------------23

4. Conclusion a) Conclusion------------------------- 26 b) Reference---------------------------27

List of Figures Chapter 1. Abstract 2. Introduction 3 How are Biometric ATMs Effective? 4. Biometric ATM 5. Biometric ATM & how it works 6. Single/Multi factor Biometric Authentication 7. Requirements for Biometric ATM 8. Fingerprint Scanner 9. Iris Detection 10. Face recognition 11. Voice Recognition System 12. Advantages of Biometrics 13. Conclusion 14. References 23 25 26 27 page number 7 8 9 10 11 13 14 15 17 20

ABSTRACT

Biometric ATM machines as it seems to be an effective way of preventing card usage and is also a channel to expand a banks reach to the rural and illiterate masses. Union Bank of India installed a first such Kisan ATM at Siyagangai branch Tamil Nadu. Dena Bank has launched the Bio-metric ATMs in Gujarat. Andhra Bank has launched mobile biometric access ATMs, one each for the Twin Cities of Hyderabad and Sceunderabad. Corporation Bank has also introduced talking biometric ATMs. These ATMs talks to the farmer in their local languages. Present study deals with new innovative model for biometric ATMs which replace card system by biometric technology for operating ATMs. Proposed model provides high security in authentication which also protects service user from unauthorized access. In this proposed model user required to authenticate himself with biometric identification (Thumb/ Fingerprint/Iris etc.), Personal Identity Number (PIN) and selection of bank branch from displayed list if necessary. This proposed model is designed for the rural farmers, semi-literate peoples. This model reduces complexity with authenticatio n as authentication is always with you with high security. It also saves time, cost, and efforts compared with card based ATMs and also saves environmental pollution problem of excess number of plastic card.

Introduction to Biometric ATM A biometric ATM (automatic teller machine) recognizes customer not by an ATM card or a personal identification number (PIN), but by some aspect of his or her own body. And banks all over the world are starting to implement this kind of technology. In Warsaw, Poland, the bank BPS has set up such ATMs. (Poland has become a technological leader in recent years.) These machines have also appeared in banks throughout the Middle East, South America and Africa. The first biometric ATM in India was installed by ICIC in 2005, in the state of Andhara Pradesh. Today, biometric ATMs are especially popular in the rural sections of India, where many citizens seem to dislike and avoid technologies involving PIN numbers. These machines are especially popular in Japan. In fact, millions of Japanese banking customers regularly use the nation's tens of thousands of biometric ATMs. One bank in Japan advertised this machine with the line "you are the cash card." In the past, biometric devices usually scanned one or more of the following items for the purposes of identification , fingerprints , palm prints , the eye, either the retina or the iris ,vocal patterns ,a person's signature The latest biometric ATMs, however, examine instead the tiny veins located just beneath the surface of skin. Everyone has his or her own unique pattern of "micro-veins" under the fingers, and reading those veins represents a much more efficient and accurate system than reading fingerprints. According to studies, biometric micro-vein ATMs will only make a mistake one in approximately one million times, which is the same rate of accuracy as the previous champion, a machine that scans irises.

How are Biometric ATMs Effective?

Biometric ATMs are an effective theft deterrent. People can leave their fingerprints on surfaces, and cunning thieves are able in some cases to lift those fingerprints, reproduce them, and use the reproductions to trick machines that read fingerprints. In some gruesome cases, it would also be possible to cut off one more of a person's fingers and use them to fool fingerprint-reading machines. Such a hideous process would not work with vein-reading technology, though. Additionally, with a biometric ATM there are no cards that ATM robbers can swipe, and no PIN numbers that they could skim. These ATMs are also helpful in the immediate aftermath of natural disasters. Customers who may have lost their ATM cards during such disasters would still be able to withdraw much-needed cash.

Biometric ATMs have yet to catch on in North America. Part of the reason is that many American consumers are suspicious of the idea of turning over their personal biometric information to a large bank or other corporation. Could this data be sold for the purposes of advertising and data mining? What would happen if this data were somehow stolen? It's the kind of question that concerns privacy advocates. Another issue is that many banks feel the ATM systems they currently have in place work just fine, and they don't see the need for costly upgrades in their automatic teller machine technology. There's another issue at play. Americans on the whole have become especially concerned with sanitation lately. Look at how many hand sanitizer dispensers have been installed in the last ten years they've been showing up not just in hospitals and nursing homes, but in shopping malls, restaurants, and even churches. Remember the swine flu scare of 2009, during which Vice President Joe Biden said on national television that he'd advise his family to avoid commercial airplanes for fear of germs? Many people in the United States, therefore, would have reservations about using this hands-on technology, especially during cold and flu seasons.

Biometric ATM Biometrics ATM offer ATM type interface along with at-least one Biometrics capture device like Fingerprint Scanner, Iris camera, Palm/Finger Vein scanner , Face recognition camera. They are often called Multi-Biometrics ATM, Wall mount Biometrics ATM, Biometrics Devices / Machine. 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.

Biometric ATM & how it works :-

Biometric Micro-ATMs from Bioenable are latest biometric authentication enabled handheld device.Micro-ATMs are also known as a Point of Transaction Terminal(PoT).pplication Biometric Micro-ATM Micro-ATMs will primarily perform the following functions: 1. Cash withdrawal 2. Cash deposit 3. Balance inquiries 4. Remittances Micro-ATMs Need In the rural area it is not feasible for the banks to availing ATMs for following reasons 1. High ATM Set up cost 2. Low Rural population 3. Transaction volume is low
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4. Low transaction value Micro ATMs from BioEnable Technology is a one stop solution for banks bring ATM services to the unbanked rural areas in a secure manner. Micro-ATM will be operated by the Bank appointed Business correspondents (BC )The Bank appointed BC handle the physical currency , not like a regular ATM machine.All transactions will require online biometric authentication with the UIDAI authentication server in order to be processed. This Biometric Micro ATMs will allow customers to perform basic financial transactions using only their AADHAAR number and their fingerprint as identity proof (along with a Bank Identification Number for inter-bank transactions). Unlike an ATM, the cash-in / cash-out functions of the micro ATM will be performed by an operator, thus bringing down the cost of the device and the cost of servicing the customer. The micro ATM will support the following financial transactions: Cash Transaction :1.Cash Deposit ,Cash Withdrawal 2.Funds transfer 3.Balance inquiry for Bank Account 4.fHigh Accuracy 5. Give strong authentication 6. Biometric authentication is used instead of PIN Cost Reduction :Hidden costs of ATM card management like card personalization, delivery, management, re-issuance, PIN generation, help-desk, and re-issuance can be avoided . Suitable for Indian rural area .Flexible account access allows clients to access their accounts at their convenience. Single/Multi factor Biometric Authentication:1)Fingerprint, Iris, Face, Pal vein 2)Multifactor Authentication: Card + PIN + Biometrics
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3)Online or offline Authentication using smart cards 4)Card less Authentication 5)Biometrics is combination of card or PIN

Why we use it :1) ATM Card frauds 2) Use of ATM card duplicators 3) Card sharing by family and friends 4) Inability to trace the wrongful users

where we can use it :1)Banking & Finance 2)Food coupons / Tickets / Canteen ATM 3)Membership Verification ATM 4)Transaction / Check Deposit ATM 5)Self Service ATM

Requirements for Biometric ATM :-

No 1

Component Processor

2 3

Memory Storage
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Specification Intel Atom processor Z510 and US15W System controller hub 512 MB 8 GB compact ,Flash upto 32 GB

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Display

Printer

Battery life

7 8 9

Dimension Weight Operating temp.

5 inch TFT color LCD,4-wire Resistive touch screen with stylus 2 inch high speed thermal printer ,paper roll with 57*35mm diameter ,length 13 M Li-Polymer Battery, 4000mAh/8000mAh ,operating time 4hrs/8hrs 140*32*292 mm 900g 040 degree centigrade

Fingerprint Scanner :enBioScanc1 Single fingerprint scanner for authentication

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No 1

Component Fingerprint Sensor

Specification NITGEN OPU08 260 (x) x 330 (y)

2 3

Image Size

Image Resolution 4 5 Interface 6 Operating Humidity 7 Compliance Image Scale

500 [PPI]

256 Level Grayscale (8bit) USB 2.0, Plug & Play RH 10~90 % STQC Certified,KC,CE,FCC,WHQL, RoHS, FBI (IAFIS) pliance

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Iris Detection System:Iris detection is a process of analyzing various patterns of human iris using iris recognition device, and storing the image in the database. To make iris detection process work faster, iris recognition system uses certain algorithms. Iris detection process in iris recognition device automatically detects human iris and snaps a photo of it. In Iris detection process, image of the iris is captured. Once captured, iris detection system determines the outer and inner borders of iris. Iris detection system then filters the usable structures for analysis, and calculates the iris

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code which is saved into the database. Iris detection system verifies the identity of a person by comparing the code with the one that exists in it. BioEnable is offering Iris recognition based Time Attendance & Access control system. Recognition ? Iris recognition technology offer Dual or Single eye capture and automatic identification again large databases in just 1-2 seconds. Iris recognition is considered more secure compared to fingerprint and other biometric technologies. Many people have improper fingerprints that are not suitable for fingerprint recognition systems. Iris is second best alternative to fingerprint. Children fingerprints are difficult to scan and can go thru changes overtime, making it not a suitable biometric identification. Iris is suitable for all ages. Eyes are highly protected part of the body and does not go thru much changes over the complete lifespan and good for long terms biometric recognition Iris recognition technology is worldwide used in National ID, Visa entry exit applications

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Model :1)Dual Eye Iris capture camera 2)10 inch spill proof touchscreen 3)Enhanced graphical user interface 4)Store upto 10000 users (2 eyes each) and over 500000 logs 5)Advanced access control mechanism with Door sensors, Fire alarm, Multiple Door lock controls 6)Optional Face Recognition & Fingerprint recognition addons Benefits Why we use it :1)High security identification 2)Touchscreen multi-lingual interface 3)Large user database

where we can use it :1)Time Attendance recording in offices 2)Access control at office, Banks 3)Canteen management & Food coupon system
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4)Visitor management 5)Members management at events

Face recognition system :NAC-5000 Face is a multi-modal biometric solution enable with Fingerprint, Face Recognition system, RFID & Password that comes with accurate and rapid matching speed for stable Time Attendance and Door

Access control. NAC5000 face recognition system is designed to be performed on the 5.7 inches TFT touch screen which is convenient to display the important notice and OEM logo and user friendly interface includes R232/485, TCP/IP, and optional WiFi and USB. NAC5000 Face offers you enterprise level of Entry and Time Attendance management with its LAN communication-based network infrastructure enabling integrated monitoring and systematic management of multiple
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terminals operated independently on a remote location and SDK to be easily integrated with customers application.

5.7 inch true Color LCD with Touch Screen -> Large LCD enable for company logo, important notice. -> Fingerprint and Face quality display Face Technology -> Face Detection -> Face Recognition -> Multi-modal enhanced security Auto-on function with Live Finger Detection -> Recognizes fake fingerprint -> Silicon & rubber fingers detected, distinguished from real human fingers -> Automatically activated when finger placed on sensor Wireless LAN (optional) -> Easy to install in anywhere USB Memory Slot -> User Information & Log data Up/Download
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-> Firmware Upgrade Built-in Camera (optional) -> Takes picture every time log event occurs -> Face recognition Large scale system -> Max 2,000 terminals connected in one network Specification - NAC5000 Face Recognition System CPU Memory Display 1:N fingerprint identification time Fingerprint template capacity Face template capacity Log capacity Network interface PC Interface USB memory slot Camera 32-bit / 620MHz 8MB Flash + 256 DRAM 5.7inch VGA Color / Touch-screen Less than 1 sec (4,000 templates) 40,000 fp. Templates 3,000 templates up to 100,000 TCP/IP, (option) RS-485, Wireless LAN

USB, RS-232 Supports Embedded

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Fake/latent fingerprint recognition Size Certificate Different models :-

Available

167 x 146 x 52 (W x H x D) mm KCC, CE, FCC

NAC5000 S - Standard Model with Fingerprint & Passwords options NAC5000 M - Model with Fingerprint, Password & Mifare 13.56Mhz Cards options NAC5000 R - Model with Fingerprint, Password & HID/EM Card 125Khz options NAC5000 Face - NAC5000 + Face Recognition (NAC5000 S Face/ NAC5000 M Face/ NAC5000 R Face. Voice Recognition System :Voice recognition is not the same as speech recognition, it is speaker recognition. considered both physiological and behavioral. Popular and low-cost, but less accurate and sometimes lengthy enrollment.

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Advantages of Biometrics:Biometric identification can provide extremely accurate, secured access to information; fingerprints, retinal and iris scans produce absolutely unique data sets when done properly. Current methods like password verification have many problems (people write them down, they forget them, they make up easy-to-hack passwords) & sometime our ATM cards are also missed . Automated biometric identification can be done very rapidly and uniformly, with in a minimum of time. Its a rapid process. Your identity can be verified without resort to documents that may be stolen, lost or altered.

Disadvantages of Biometric ATM : The finger print of those people working in Chemical industries are often affected. Therefore these companies should not use the finger print mode of authentication. For people affected with diabetes, the eyes get affected resulting in differences. Sometimes people have some eyes problems also. Biometrics is an expensive security solution.

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Conclusion Proposed conceptual model is designed for ATM users for various transactions like withdrawing cash, balance enquiry etc. Point of Sales (POS) machines will also use biometric authentication. This system requires biometric authentication (finger print, iris recognition) which is always with user, PIN code and selection of bank branch, which then creates virtual account (V-ID) it helps for identification and authentication of service user. This is card less e-banking technique for ATMs, which reduces efforts of handling, operating and various risks associated with cards. The same and simplified procedure will be helpful for Internet, Mobile and POS transactions. Due to unique method of authentication it reduces cost, time, and efforts of both banks as well as service users.

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References [1] Kahate Atul (2004), Cryptography and Network Security, User Authentication Mechanism, pp. 303-304, III rd Edition, McGraw-Hill Publications. [2] Biometric ATMs for rural India, Chirasrota Jena,Weekly Insight for Technology Professionals, 12, March 2007, www. Expresscomputeronline.com, Access date 16-Dec-2011 [3] Handbook of Biometrics. Springer. pp. 122. ISBN 978-0387-71040-2. http://www.springer.com/computer/image+processing/book/97 8-1-4419-4375-0, access on 10-Dec-2011, 5.00pm [4] International References: http://www.rediff.com/money/2005/oct/11atm.htm, Access on 16- Dec- 2011, 11.00 am [5] Jain, A., Hong, L., & Pankanti, S. (2000). "Biometric Identification", Communications of the ACM, 43(2), p. 91-98. [6] Jain, Anil K.; Ross, Arun (2008). "Introduction to Biometrics", pp. 45-60 [7] Krause Micki, Tipton Harold F., Handbook of Information Security Management (Imprint: Auerbach Publications) (Publisher: CRC Press LLC), ISBN: 0849399475, http://www.ccert.edu.cn/education/cissp/hism/ewtoc.html, data access on 13-Dec-2011, 3.50 pm [8] Laudon Kenneth, Traver Carol Guercio, E-Commerce (2005), Second Edition , pp. 237-239, Pearson Education (Singapore), Pvt. Ltd. [9] ONeil Erin, Back to the future at your local ATM,http://banking.about.com/od/securityandsafety/a/biometricatms.htm, access on 16-Dec-2011 at 11.45 am [10] Pfleeger Charles P., Pfleeger Shari Lacorence, Shah Deven N. (2009), Security in Computing, User Authentication, pp. 257 -258, IVth Edition, Pearson Publication. [11] S.C. Bihari, e-Banking, When Convenience Banking can Become Inconvenience, pp. 52-55, First Edition, Skylark Publication, New Delhi [12] S.C. Bihari, e-Banking, When Convenience Banking can Become Inconvenience, pp. 85-91, First Edition, Skylark Publication, New Delhi [13] http://www.indianexpress.com/news/district-gets-its-firstsolar-biometricatm/767886/, access on date 15-Dec-2011, 1.00 pm

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