Call for Paper - November 2021 Edition
IJCA solicits original research papers for the November 2021 Edition. Last date of manuscript submission is October 20, 2021. Read More

Trifecta Approach to ATM Transaction Security

International Journal of Computer Applications
Foundation of Computer Science (FCS), NY, USA
Year of Publication: 2021
Afia Farzana, Noor Mohammad, Sharif Ahmed, Jannat Ara Mim, Juena Ahmed Noshin

Afia Farzana, Noor Mohammad, Sharif Ahmed, Jannat Ara Mim and Juena Ahmed Noshin. Trifecta Approach to ATM Transaction Security. International Journal of Computer Applications 183(4):18-23, May 2021. BibTeX

	author = {Afia Farzana and Noor Mohammad and Sharif Ahmed and Jannat Ara Mim and Juena Ahmed Noshin},
	title = {Trifecta Approach to ATM Transaction Security},
	journal = {International Journal of Computer Applications},
	issue_date = {May 2021},
	volume = {183},
	number = {4},
	month = {May},
	year = {2021},
	issn = {0975-8887},
	pages = {18-23},
	numpages = {6},
	url = {},
	doi = {10.5120/ijca2021921325},
	publisher = {Foundation of Computer Science (FCS), NY, USA},
	address = {New York, USA}


This is the twenty-first century and everything nowadays revolves around high-performance technology and its security. But there are numerous limitations in this security part and because of this we are facing adverse situation frequently. ATM transaction is one of the biggest inventions for this modern world because millions of people are using ATM for transaction purpose. But in ATM transaction people are facing many types of security issue and for this reason they are afraid for doing big amount of transaction from ATM. This paper works towards reducing this security problem. In our proposed system we are using two types of authentication. One is simple security authentication and another is strong security authentication. In simple security authentication there are two steps. First one is bank provided PIN and second one is entering the fingerprint. In strong security authentication there are three steps. First one is bank provided PIN, second one is location tracking and third one is a choice of option between fingerprint and OTP. There will be a time limit for OTP which is 40 seconds. Actually, our main focus is on strong security authentication. But for some time being we will also be giving the facility of using simple security authentication so that gradually people can be habituated with the strong security authentication. When using strong security authentication becomes a second nature, we will remove the simple security authentication from the system. By following the mentioned process, we are trying to solve the ATM transaction security issue.


  1. Moses Okechukwu Onyesolu and Ignatius Majesty Ezeani, “ATM Security Using Fingerprint Biometric Identifer: An Investigative Study”, International Journal of Advanced Computer Science and Applications (IJACSA), Vol. 3, No.4, 2012.
  2. B V Prasanthi, U Padma Jyothi, Sridevi Bonthu and T Vamsi Krishna, “Security Enhancement of ATM System with Fingerprint and DNA Data”, International Journal of Advanced Research in Computer Science and Software Engineering (12), December - 2014, pp. 477-479.
  3. Srivatsan Sridharan, Gorthy Ravi Kiran and Sridhar Jammalamadaka, “Improvising Authenticity and Security of Automated Teller Machine Services”, International Journal of Computer Science and Mobile Computing, ISSN 2320–088X, Vol. 3, Issue. 2, pg.666 – 674, February 2014.
  4. Jaydeep Shamdasani and Prof .P.N.Matte, “Atm Client Authentication System Using Biometric Identifier & Otp” , International Journal of Engineering Research and Applications, ISSN : 2248-9622, Vol. 4, Issue 4( Version 5), pp.74-78, April 2014.
  5. Krishna Nand Pandey, Md. Masoom, Supriya Kumari and Preeti Dhiman, “ATM Transaction Security Using Fingerprint/OTP”, Volume 2, Issue 3, JETIR (ISSN-2349-5162), March 2015.
  6. Mohsin Karovaliya, Saifali Karedia, Sharad Oza and Dr. D. R. Kalbande, “Enhanced security for ATM machine with OTP and Facial recognition features”, International Conference on Advanced Computing Technologies and Applications (ICACTA2015), 2015.
  7. Frimpong Twum, Isaac Kofi Nti and Michael Asante, “Improving Security Levels In Automatic Teller Machines (ATM) Using Multifactor Authentication”, International Journal of Science and Engineering Applications Volume 5 Issue 3, 2016, ISSN-2319-7560 (Online).
  8. Mithun Dutta, Kangkhita Keam Psyche and Shamima Yasmin, “ATM Transaction Security Using Fingerprint Recognition”, American Journal of Engineering Research (AJER), e-ISSN: 2320-0847 p-ISSN: 2320-0936, Volume-6, Issue-8, pp-41-45,2017.
  9. Dondo Jacqueline Akinyi Madara, Dr. George Okeyo and Dr. Michael Kimwele, “A Fingerprint & Pin Authentication to Enhance Security At The Automatic Teller Machines”, International Journal of Scientific & Engineering Research, ISSN 2229-5518, Volume 8, Issue 4, April-2017.
  10. Hari Narayanan, Uttham K, I Mohammed Junaid and Mohammed Ibrahim, “Advanced ATM Multilevel Authentication Using Fingerprint Verification and OTP Validation”, International Journal of Advanced Research in Computer Science (ISSN: 0976-5697), ISBN: 978-93-5311-910-2, Volume 9, Special Issue No. 3, May 2018.
  11. M. Dutta, K. K. Psyche, T. Khatun, M. A. Islam and M. A. Islam, “ATM Card Security Using Bio-Metric and Message Authentication Technology”, 2018 IEEE International Conference on Computer and Communication Engineering Technology (CCET), Beijing, 2018, pp. 280-285, doi: 10.1109/CCET.2018.8542227.
  12. Christiawan, B. A. Sahar, A. F. Rahardian and E. Muchtar, “Fingershield ATM – ATM Security System using Fingerprint Authentication”, 2018 International Symposium on Electronics and Smart Devices (ISESD), Bandung, 2018, pp. 1-6, doi: 10.1109/ISESD.2018.8605473.
  13. Imran, M. A., Mridha, M. F., and Nur, M. K. (2019), “OTP Based Cardless Transction using ATM”, International Conference on Robotics, Electrical and Signal Processing Techniques (ICREST), doi:10.1109/icrest.2019.8644248,2019.
  14. Syeda Prima Tasnim, “A framework of biometric recognition and personalized mobile application to establish a dynamic connection with the ATM to enable secure transaction”, Department of Computer Science & Engineering, BRAC University, August 2019.
  15. “How GPS Works”.University of Tasmania in conjunction with Geoscience Australia as part of the AuScope GPS in Schools Project – 2014.
  16. Tom Harries,“How Fingerprint Scanners Work”. September-2002.
  17. Chester Wisniewski, “Stealing ATM PINs with thermal cameras”. August-2011.


Automated Teller Machine, GPS, Fingerprint, OTP