This document proposes a system that uses triangular location detection with IoT, OpenCV, and Zigbee hardware for user authentication during ATM cash loading for improved security. The system uses three Zigbees connected to the delivery vehicle, user's mobile phone, and ATM. When all three are within range, indicating the vehicle is at the ATM, an OTP is generated and verified between the vehicle and ATM Zigbees. In addition to OTP, user signature is verified using OpenCV after cash is loaded into the ATM, providing multi-factor authentication. This integrated system aims to provide more reliable and effective security compared to existing signature or PIN-based authentication alone.