Security measures at banks can play a critical, contributory role in preventing attacks on customers. These measures are of paramount importance when considering vulnerabilities and causation in civil litigation. Banks must meet certain standards in order to ensure a safe and secure banking environment for their customers. This paper focuses on vulnerabilities and the increasing wave of criminal activities occurring at Automated Teller Machines (ATMs) where quick cash is the prime target for criminals rather than at banks themselves. A biometric measure as a means of enhancing the security has emerged from the discourse. Keywords-Security, ATM, Biometric, Crime.
Deep Dive into Towards Designing a Biometric Measure for Enhancing ATM Security in Nigeria E-Banking System.
Security measures at banks can play a critical, contributory role in preventing attacks on customers. These measures are of paramount importance when considering vulnerabilities and causation in civil litigation. Banks must meet certain standards in order to ensure a safe and secure banking environment for their customers. This paper focuses on vulnerabilities and the increasing wave of criminal activities occurring at Automated Teller Machines (ATMs) where quick cash is the prime target for criminals rather than at banks themselves. A biometric measure as a means of enhancing the security has emerged from the discourse. Keywords-Security, ATM, Biometric, Crime.
utomated teller machine is a mechanical device that has its roots embedded in the accounts and records of a banking institution [1]. It is a machine that allows the banks customers carry out banking transactions like, deposits, transfers, balance enquiries, and withdrawal. Notwithstanding, we lived in a world where people no longer want to encounter long queues for any reason, they don't not want to wait on queue for too long a time before they are attended to and this has led to the increasing services being rendered by banks to further improve the convenience of banking through the means of electronic banking. On this note the advent of ATM is imperative, although with its own flaws.
Crime at ATM’s has become a nationwide issue that faces not only customers, but also bank operators [2]. Security measures at banks can play a critical, contributory role in preventing attacks on customers. These measures are of paramount importance when considering vulnerabilities and causation in civil litigation and banks must meet certain standards in order to ensure a safe and secure banking environment for their customers. Basically, the ATM scam involves thieves putting a thin, clear, rigid plastic sleeve into the ATM card slot. When you insert your card, the machine can’t read the strip, so it keeps asking you to re-enter your PIN number. Meanwhile, someone behind you watches as you tap in your number. Eventually you give up, thinking the machine has swallowed your card and you walk away. The thieves then remove the plastic sleeve complete with card, and empty your account. The way to avoid this is to run your finger along the card slot before you put your card in. The sleeve has a couple of tiny prongs that the thieves need to get the sleeve out of the slot, and you’ll be able to feel them. The primary focus of this work is on developing a biometric strategy (Fingerprint) to enhance the security features of the ATM for effective banking transaction. The rest of the paper arranged thus: section 2 presents the methodology employed for the work, section 3 examines related work, section 4 presents the system design and the general concept of the implementation, and section 5 concludes the work
The security feature for enhancing the ATM was designed using the client/server approach. There will be a link between the customer’s identification information, customer’s accounts and records in the bank (server). The network is designed to support a large number of users and uses dedicated server to accomplish this. The reason for choosing Client/Server model for this application is because it provides adequate security for the resources required for a critical application such as Banking. Similarly, a descriptive conceptual approach which includes Unified Modeling language (UML) tools such as Use case models, class diagrams etc is adapted. Microsoft Access 2003 as a database software is employed to create database to store cardholder’s information. The work is implemented using Visual Basic 6.0 software tool, used to design the user interfaces and/or cardholder interaction with the ATM Machine.
E-banking can be defined as the deployment of banking services and products over electronic and communication networks directly to customers [3]. It is the automated I J E N S delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels [4]. These electronic and communication networks include Automated Teller Machines (ATMs), direct dial-up connections, private and public networks, the Internet, televisions, mobile devices and telephones. Among these technologies, the increasing penetration of personal computers, relatively easier access to the Internet and particularly the wider diffusion of mobile phones has drawn the attention of most banks to e-banking. However, the continuing convergence of information, communications and media technologies is also opening up new electronic channels (such as “pod-banking”) of delivering banking services.
Significant differences exist among banks in terms of their e-banking capabilities. These differences can take two main dimensions. The first is the use of electronic channels and the second is the sophistication of banking services delivered over an electronic channel. Many established banks in developed countries began with ATMs and evolved through Personal Computer-banking, Telephone-banking, Internet-banking, TV-banking, and Mobile-banking. However, this evolution is not visible in recently established banks and in most of the African countries with the exception of South Africa. It appears that e-banking has dawned in Africa with Internetbanking [5].
E-banking systems can vary significantly in their configuration depending on a number of factors. Financial institutions should choose their e-banking system configuration, including outsourcing relationships, based on four factors, therefore strategic objectives for
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