Card-Less Electronic Automated Teller Machine (EATM) With Biometric Authentication
Citation
Alebiosu M. Iyabode, Yekini N. Nureni, Adebari F. Adebayo, Oloyede A. Olamide"Card-Less Electronic Automated Teller Machine (EATM) With Biometric Authentication", International Journal of Engineering Trends and Technology (IJETT), V30(2),99-105 December 2015. ISSN:2231-5381. www.ijettjournal.org. published by seventh sense research group
Abstract
EATM is an electronic banking outlet that allows banks customers to complete one or more banking transactions without the aid of any bank official or teller. It is a self-service technology in financial service delivery usually adopted by financial institutions to reach their customers outside the banking hall. The user of existing EATM machine uses card to access their account to perform one or more financial transactions. Several problem are associated with the use of card such card cloning, card damaging, card expiring, cast skimming, cost of issuance and maintenance, accessing customer account by third parties, waiting time before issuance expiring or new card. This paper presents the conceptual framework of design, specification, and model of the EATM system that uses no card. The proposed system will use alphanumerical PIN, and biometric fingerprint to control access to the ATM.
References
[1] Firstbank Nigeria 2014, Automated Teller Machine (ATM) http://www.firstbanknigeria.com/products/ebanking/ automated-teller-machine-atm/
[2] Schlichter, Sarah (2007-02-05). "Using ATM`s abroad - Travel - Travel Tips - msnbc.com". MSNBC. Retrieved 25/07/2015. Mushabati, D. (2008).
[3] An Assessment of the Effectiveness of Automated Teller Machines on Financial Services Delivery by Commercial Banks in Kitwe. Retrieved from http://dspace.cbu.ac.zm:8080/jspui/handle/123456789/165 June 21/06/2015.
[4] C.H. Ugwuishiwu, M.E. Ezema and N.G. Ugwuegbu (2013). Design and Implementation of ATM Emulator. Afr J. of Comp & ICTs. Vol 6, No. 4. Pp 165-172.
[5] Sultan S. M. (2009). Impact of ATM on Customer satisfaction: a comparative Study of SBI, ICICI and HDFC bank, Business Intelligence Journal, Vol.2, No. 2, retrieved
[6] Yazeed Abdul Mumin1, Yazidu Ustarz1, Ibrahim Yakubu (2013) Automated Teller Machine (ATM) Operation Features and Usage in Ghana: Implications for Managerial Decisions Journal of Business Administration and Education ISSN 2201-2958 Volume 5, Number 2, 2014, 137-157
[7] Odusina, Ayokunle Olumide (2014) Automated Teller Machine Usage And Customers’ Satisfaction In Nigeria Elite Research Journal of Accounting and Business Management Vol. 2(3) pp. 43 - 47, July, 2014. Available online http://www.eliteresearchjournals.org/erjabm/index.htm
[8] Heli Snellman (2006) Automated Teller Machine network market structure and cash usage Scientific monographs ISBN 952-462-318-8 ISSN 1238-1691(print) ISBN 952- 462-319-6 ISSN 1456-5951 (online)
[9] Mosabber Hossain (2006). Understanding of ATM (Automated Teller Machine) in Bangladesh. HTTP: dspace.bracu.ac.bd/.../Understanding+of+ATM+in+Bangl adesh.pdf?...1
[10] Ahmed Baita Garko (2011) Enhancing The Current Automated Teller Machine (ATM) In Nigerian Banking Sector JORIND 9(2) December, 2011. ISSN 1596 – 8308. www.transcampus.org. www.ajol.info/journals/jorind
[11] Mary K. (2008). Breathe New Life into Your ATM Program with Progressive Marketing and Customer Relationship Management Tools. A First Data White Paper, retrieved from http://www.firstdata.com/en_gr/insights/atmprogramrecommendations-. Html, available on 19/7/2015.
[12] Yingxu W. (2010). The Formal Design Model of an Automatic Teller Machine, International Journal of Software Science and Computational Intelligence, 2(1), 102-131.
[13] Rimvydas Simutis, Darius Dilijonas, Lidija Bastina, Josif Friman, & Pave Drobinov. (2007). the optimization of Cash Management for ATM network. Information Technology and Control, Vol.36, No.1A, retrieved from http://itc.ktu.lt/itc361/simutis361.pdf, available on 14/1/2015
[14] Yekini et al (2012) Automated Biometric Voice-Based Access Control in Automatic Teller Machine (ATM) (IJACSA) International Journal of Advanced Computer Science and Applications, Vol. 3, No.6, 2012.
[15] Fabumni, O.A. (2011). Appraisal of the Use Automated Teller Machine in the banking industry in Nigeria. HTTP: https://www.unilorin.edu.ng/studproj/cis/0730gc071.pdf. Retrived july 25th , 2015.
[16] Jim Bowen (n.d) How ATMs Work available at http://money.howstuffworks.com/personalfinance/ banking/atm3.htm retrived on July 24, 2015.
Keywords
ATM, banking hall, alpha numerical PIN, biometric finger print, electronic banking outlet, selfservice technology, ATM card, card skimming, card cloning.