The document proposes using fingerprints and an F-PIN as a two-factor authentication method to help prevent ATM fraud. It discusses problems with traditional password and biometric authentication, and introduces the F-PIN method which replaces number-based PINs with a sequence of finger presses. The proposed approach uses a fingerprint scan followed by an F-PIN sequence to authenticate users, addressing issues like stolen PINs and replacing biometrics while adding security over traditional methods. The document recommends further research to improve biometric accuracy and address privacy issues.