This document discusses biometric ATMs as an authentication method that uses physiological characteristics like fingerprints instead of passwords or cards. It notes that biometric ATMs can help solve issues with ATM fraud by providing stronger authentication through factors like fingerprint, iris, or facial recognition alone or combined with cards and PINs. The document outlines the components of a biometric system and various biometric methods like fingerprints, facial recognition, iris scans that are being used in biometric ATMs. It suggests biometric ATMs can reduce costs compared to traditional card-based ATMs while providing convenient and secure access for users.

1. Biometric ATM
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2. Introduction
• Biometrics refers to the automatic identification of a person based on
his physiological/behavioral characteristics.
• Various types of biometric systems are being used for real time
identification most popular are based on face recognition and finger
print matching.
• 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.
• Biometrics based authentication is a potential candidate to replace
password-based authentication.

3. Current Authentication Systems
• User Name
• Password
• One Time Password
Online
Authentication
• Token-based identification
systems
- Identification Cards
• Signature
Bank
Authentication

4. Issues in current ATM networks
• ATM Card frauds
• Use of ATM card duplicators
• Card sharing by family and friends
• Inability to trace the wrongful users
• ATM PINs can be shared on phone or recorded using secret cameras

5. Biometric ATMs solve these issues & offer
• Single/Multi factor Biometric Authentication: Fingerprint, Iris, Face.
• Multifactor Authentication: Card + PIN + Biometrics
• Online or offline Authentication using smart cards
• Card less Authentication
• Biometrics is combination of card or PIN

6. Why use Biometric ATM ?
• Provides strong authentication
• Can be used instead of a PIN
• Hidden costs of ATM card management like card personalization,
delivery, management, re-issuance, PIN generation, help-desk, and re-
issuance can be avoided
• Ideal for Indian rural masses
• It is accurate
• Flexible account access allows clients to access their accounts at their
convenience
• Low operational cost of the ATMs will ultimately reduce Total cost
of ownership (TCO).

7. Applications of Biometric ATM
• Banking & Finance
• Food coupons / Tickets / Canteen ATM
• Membership Verification ATM
• Transaction / Check Deposit ATM
• Self Service ATM
• Retail ATM

8. Typology of identification methods
Characteristics
Physiological
Face Fingerprint Hand Eye
Behavioral
Voice Signature Keystroke

9. Biometric System

10. Biometric System
Data Collection
Transmission
Signal Processing
Data Storage
Decision

11. Biometric System

12. Various Biometric Systems
HAND
• The three dimensional shape of a person’s hand has several
advantages as an identification device.
• Scanning a hand and producing a result takes 1.2seconds.It requires
little space for data storage about 9 bytes which can fit easily
magnetic strip credit cards.

14. FINGER PRINT
A fingerprint scanner system has two basic jobs :
• It needs to get an image of your finger.
• It needs to determine whether the pattern of ridges and valleys in this
image matches the pattern of ridges and valleys in pre-scanned
images.
• Only specific characteristics, which are unique to every fingerprint,
are filtered and saved as an encrypted biometric key or mathematical
representation.
• No image of a fingerprint is ever saved, only a series of numbers (a
binary code), which is used for verification. The algorithm cannot be
reconverted to an image, so no one can duplicate your fingerprints.

16. ATMs of the Future
• Today’s biometric scanners go far beyond basic fingerprint
recognition.
• In Poland and Japan, consumers are already using Hitachi's infrared
scanners that capture the unique pattern of capillaries in the finger
and hand.
• The most secure biometric technology uses a device designed to
perform an iris scan based on more than 2,000 unique measurement
points.
• According to developers, people and pets all over the world will be
connected to a system that uses iris scan identification within the
next decade.

17. Multibiometrics
INTEGRATING FACES AND FINGER PRINTS FOR PERSONAL
IDENTIFICATION
An automatic personal identification system based on fingerprints or
faces is often not able to meet the system performance requirements.
A MULTIMODEL BIOMETRIC SYSTEM USING FINGERPRINT, FACE AND
SPEECH
This system takes the advantage of the capabilities of each individual
biometric. It can be used to overcome some of the limitations of a
single biometrics.

19. Pictures
Poland's cooperative BPS bank
It's the first in Europe to install a biometric ATM
allowing customers to withdraw cash simply
with the touch of a fingertip.
Biometric Reading at ATM Machines Already in use in Brazil

20. Conclusion
• Biometric tokens are the safest means of preventing ATM frauds.
• The main reason for introducing biometric systems is to increase
overall security.
• Biometrics offers greater security and convenience than traditional
methods of personal recognition.
• In some applications, biometrics can replace or supplement the
existing technology. In others, it is the only viable approach.
• The biometric system is only one part of an overall identification or
authentication process, and the other parts of that process will play
an equal role in determining its effectiveness.

21. Thank You